vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hello, I opened a Gap credit card in XXXX and have made on time and paid off my balances in full. I did not use my card for months and was in good standing. I lost my job in due to Covid-19 XX/XX/XXXX. My credit took a hit and had a few late payments on other accounts but not this account. After months of dormant activity, I used my card in XXXX and paid the balance in full. I made another purchase on XX/XX/XXXX and planned to pay off the balance again on XX/XX/XXXX. 

I received an alert on my credit report that the card was closed. When I called Gap companies, I was informed that the card wasnt closed because of my payment history ; it was closed because of my XXXX Credit Bureau report. I was then told to contact XXXX because once my account is closed, I can never get another card or have it reopened. 

I dont understand why XXXX XXXX this but my account should not be closed. This caused my credit score to drop drastically and it has negatively affected me. If the company doesnt want to reissue my card, they should not require me to pay a balance on a card I can no longer use but Im keeping with my positive payment history, Ill pay it off. If Gap no longer wants me as a card holder, fine but my credit report reflecting this account should be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I attended a XXXX  about Real Estate business and gave the XXXX XXXX XXXX XXXX XXXX my confidential information in hopes that they would give me some terms to elect from in order to be taught and trained by their XXXX XXXX XXXX, Not only was I never given any training but the XXXX XXXX XXXX XXXX XXXX created fraudulent Credit cards in my name totaling over $ XXXX, where I was told that the training I was interested in was less than XXXX. I was under the impression that they had their own financing program and that I could pay as I was taught. I never was told that they were going to fraudulently apply for over XXXX of credit cards without my authorization or knowledge and then forwarding XXXX dollars into their own account. 

The account I am reporting here is the PNC Bank. I have attached a copy of the statement where I received a newly acquired credit card having a $ XXXX withdrawal made into the XXXX XXXX account by the XXXX XXXX XXXX XXXX XXXX See attached ( PNC_ReceiptForFraudulentAccount.pdf ). I made repeated attempts to get the XXXX XXXX XXXX to resolve my fraud situation or resolve my fraud situation, but to no avail. 

I then took my documentation to the XXXX  XXXX XXXX because I am a Senior Citizen of 68 years of age and this criminal act has robbed me of my life 's savings and all of my XXXX and XXXX XXXX XXXX represented me for free under their XXXX  XXXX XXXX program for free.. XXXX XXXX XXXXXXXX , under the assistance of Attorney XXXX XXXX , fought my case and won!, but the PNCBank still would not respond to my attorney.s inquiry. See Attachment ( XXXX ). Attorney XXXX has since taken anew job in the private sector and could not proceed with representing me against the PNC Bank. She recommended that I seek assistance from the CFPB which is why I am appealing to you. 

Here is thanking you in advance for any assistance you may provide me with in hopes of helping me resolve this horrific nightmare, I am really struggling to pay these extreme payments and I don't know how long I can continue to do this without my health completely failing. I will be glad to assist you with any questions you may have and do not hesitate to contact me for any reason at ( XXXX ) XXXX. Thank You. 

Respectfully, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one I had years ago paid what I was told to pay and told them to closed the card I shredded the card and all and years later now in 2021 yall calling me saying I owe money when it was settle years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC.
State: VT

Complaint narrative:
Today, 8 days before closing, I got a call from my realtor today about a hiccup in the loan process. Naturally, I was very confused. She explained that something had happened, and now my husband and I were no longer eligible for our loan. I freaked out a little and texted our loan officer who did a very poor job of explaining via text that there was an algorithm update, and thats just how it is. I spoke to him on the phone later, and he clarified : The bank ( Homebridge ) runs the loan through an algorithm provided by XXXX XXXX, and this algorithm gets updated fairly regularly. What seems to have happened is that the previous version of this algorithm deemed us worthy, the update happened, the bank finished the underwriting process and ran the loan through the NEW algorithm, and even though NOTHING has changed on our side, the code has now deemed us unworthy, as of XX/XX/XXXX. Our loan officer told us he and the real estate lawyer have been on the phone with XXXX XXXX for the last 3 days trying to figure out whats going on, and no one at XXXX XXXX can figure it out either. No one on either side of this process can identify a single thing that change our eligibility EXCEPT FOR THE UPDATE IN THE ALGORITHM. Now, the ONLY way we qualify is if we double our down payment from 5 % to 10 %, which raises our closing costs to $ XXXX. There is no way we can come up with $ XXXX in a week or less, and since we're currently renting, we might end up homeless if our landlord has rented out our unit without telling us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Opportunity Financial, LLC
State: WI

Complaint narrative:
The company opploans is sending approval notices back to back to my home address implying that I can secure a personal loan up to {$4000.00} with a pre-approved status with a offer code and expiration date, it is a apply online asking for routing and account information and a fast funding option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I've had reoccurring issues of not having access to cash from PNC bank. I've been told they couldn't fill a $ XXXX cash withdrawal which is absurd. Most recently on XX/XX/2021, I needed $ XXXX cash withdrawal when that account had over twice that " available ''. The branch said they cant fill that order, they didn't have enough cash .... in discussions with the bank manager there they had something like $ XXXX cash on hand and thus didn't think they could give me " so much '' of it. I dont know how that is even legal for them to refuse access to funds. I told them it's not acceptable to deny the cash and I need a resolution the same day ( was buying a car ). I had to drive 40 mins from home to a branch that had cash for me...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
1. XXXX is fraudulently reporting inaccurate information and duplicating exact accounts numbers and reporting that accounts are pass due when they are paid and current. Accounts : XXXX XXXX XXXX not late or missed payment this account is paid in full and closed. This XXXX XXXX XXXX is listed multiple times. XXXX XXXX same account listed multiple timesXXXX XXXX XXXX account listed multiple times. This is a revolving weekly account its never late. XXXX XXXX XXXX XXXX so closed and paid in full. Why is it listed as a missed payment and late. XXXX  XXXX account is open and never late. 
2. XXXX is reporting using old accounts and reporting them as new. This is an on going problem and its discriminatory as iam a person of XXXX and these practices XXXX is unfair and hinders my opportunity for financial help because the accounts are not being updated and old accounts are recycled for the credit bureaus and credit services to keep billing and getting paid meanwhile my credit profile is not going in a positive direction because XXXX is not updating accurately. Iam making an honest attempt through cfbs to help correct this problem as I will have no other record but to seek legal action if XXXX does not correct this matter in 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX. Equifax is fraudulently reporting inaccurate information and duplicating exact accounts numbers and reporting that accounts are pass due when they are paid and current. Accounts : XXXX XXXX XXXX not late or missed payment this account is paid in full and closed. This XXXX XXXXXXXX XXXX is listed multiple times. XXXX XXXX same account listed multiple timesXXXX XXXX XXXX account listed multiple times. This is a revolving weekly account its never late. XXXX XXXX XXXX XXXX so closed and paid in full. Why is it listed as a missed payment and late. XXXX  XXXX account is open and never late. 
XXXX. Equifax is reporting using old accounts and reporting them as new. This is an on going problem and its discriminatory as iam a person of XXXX and these practices Equifax is unfair and hinders my opportunity for financial help because the accounts are not being updated and old accounts are recycled for the credit bureaus and credit services to keep billing and getting paid meanwhile my credit profile is not going in a positive direction because Equifax is not updating accurately. Iam making an honest attempt through cfbs to help correct this problem as I will have no other record but to seek legal action if Equifax does not correct this matter in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM SUBMITTING A COPY OF INFORMATION WHICH WAS SUBMITTED TO THE US XXXX OFXXXX  GA REGARDING THE DISCHARGING OF TRUSTEE, AND CLOSING OF ESTATE. THEY WOULD NOT UPLOAD STATING MY CASE WAS CLOSED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: WA

Complaint narrative:
Credit Karma has frozen my account for over two weeks now, which has caused me to miss credit card payments and has significantly lowered my credit score. I have submitted to them all needed documentations. I have reached out to them over 20 times over the last two weeks. They state that the department that handles account locks and freezes doesn't have a direct line or phone number to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
This is XXXX XXXX, Formerly of XXXX XXXX XXXX XXXX MD XXXX We have made PHH/ Ocwen aware of the mortgage servicing law of 2013 on first and second mortgage on the same home.

Simply if the first mortgage is modified the second is mandatory. This did not happen with us and we spent four years trying to fix the issue.

I have contacted Ocwen with no response. Their attorney responds with the questions are untimely what does this mean?

I have contacted Ocwen and their attorney to start contacting me my phone as my cognitive reclinds with to many hours on a computer screen.

I have XXXX XXXX  and under the ADA act I would prefer phone contact.

I have phoned and texted the attorney for Ocwen and had no response.

If they do intend to contact me a simple response would help.

Disregard my complaint if this is a simple oversight from the attorney. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these Items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I got a new job offer XX/XX/XXXX and was told after my background check that unfortunately I did not pass the background check because of information on my XXXX report. 

I requested the report on XX/XX/XXXX and found that Bank of America reported that my bank account was closed for " suspected fraud activity. See below for the details of the report. 

I wrote a dispute letter to XXXX on XX/XX/XXXX and I got a response on XX/XX/XXXX from XXXX that the information had been verified accurate by Financial institution. They did not provide any details on the fraud that was perpetrated and all calls to Bank of America was met with numerous call transfers and them telling me that they can restrict or close your account at any time, for any reason or no reason. 

This information has prevented me from starting my new job and has cost me lost wages. I need help to fight this erroneous information on my report. 

Account Closed by Bank Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX Date of Closure : XX/XX/XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
Regional XXXX is violating bankruptcy law by reporting a debt on our credit files that was included in bankruptcy and continue to report monthly as delinquent debt. This illegal reporting has caused us harm and we will sue for violation of Bankruptcy and FCRA laws. This is a joint loan- XXXX and XXXX XXXX XXXX attachments included to prove. Filed complaint on the 1st and creditor sent back without researching and just said no account. As you can see we had an account, it is continuing to be reported. I will sue for {$10000.00} in damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
Cashapp. I accidentally sent XXXX to two people in stead of one. I requested a refund like this app told me too but the receiver did not have access to his account anymore. I contacted cashapp support and basically was told that they can not cancel the payment even though it had not been accepted or received I litteraly tried for hours to reach someone they asked for Info such as who was the intended recipient and a bunch of info about him but said sorry next time verify who you send money to.. well obviously my phone was in my purse and it just added this person by mistake. I dknt understand why it couldnt be canceled immediately the other person didnt even accept the payment. Also when you try to reach support they say its outside of business hours all the time I called and it just hangs up chat they dont respond for hours and when I finally see they did they are gone again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FEDChex Recovery, LLC
State: VA

Complaint narrative:
On an unknown prior date, I received an e-mail from " FCR Collection Services '' about an attempt to collect a debt. The only information provided was my name and an " account number '', with a link to a website XXXX. The e-mail also included numerous spelling errors and did not include the name of the creditor, the amount owed, any information about disputing the debt, or any contact information for the debt collection service other than the website and a phone number. I reported the e-mail as a phishing attempt via XXXX 's e-mail reporting feature. 

I never received any physical mail about this supposed debt. 

On XX/XX/2021 at XXXX XXXX  I received a text message from a number unknown to me ( XXXX ) XXXX, the entire contents of which was : " ( my first name ), FCR Services is a debt collector for your XXXX  account. To view terms, account details, or pay please click : XXXX XXXX XXXX '' I saw this message the morning of XX/XX/2021. Since this time they did indicate the name of the creditor, and I knew I did have an XXXX  ( electric car charging ) account, I searched my e-mail for " FCR '' and found another e-mail in my spam folder similar to the previous. I accessed the website www.paymybalance.com with my " account number '' from the e-mail, my phone number, and my zip code. The site listed a balance due of {$11.00}. The website had a link to dispute the debt. I completed their dispute form and attached my current invoice ( XX/XX/2021 ) from XXXX showing {$0.00} balance. 

I never received any confirmation of the dispute, but several hours after disputing the debt I did receive another similar e-mail that " FCR Collection Services '' was attempting to collect a debt. 

I'm still not entirely certain that this isn't a phishing attempt. Their communications have not included the required information including a contact address so I am unable to mail the CFPB-recommended dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is unable to access my equifax application. Many of Equifax employees have been telling me there is no freezes many but yesterday they removed a freeze and this morning a supervisor removed an internal block that he claimed was the problem. This did not fix problem Lender still does not have access to my equifax report.

Company response to consumer: Closed with explanation