vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/2020 I used an atm and atm said transaction error or something and did not dispense any money but still still charged my account XXXX $ I called the atm company they said dispute with bank so I called and filed a Dispute with my bank indi and now there saying I get no provisional credit even thuu I go its been over 10 buisness days they say there waiting for the response of the merchant which I thought is what the credit was for was for consumer to have access to there money back while waiting for the response and I thought was mandatory if not sorry Im wrong there saying it could be 90 days until I get my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc.
State: TX

Complaint narrative:
When cashing a check they needed a picture of the check with VOID written on it. When I wrote VOID in big letters they still rejected the check. 
The transaction number is XXXX. I was cashing a check for XXXX dollars. It had a XXXX dollar fee so it was going to be XXXX dollars. I am XXXX XXXX and am using a XXXX account. I have a voided check worth nothing. I called multiple times but I was waiting for almost an hour on hold. I also sent a complaint to the XXXX  but they just said my complaint was only for information purposes and still didn't give me my check. They have the pictures of the front and back of the check and the voided check. They have to have a human check the pictures. Their program is too faulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Braviant Holdings, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, someone used my e-mail address to commit fraudulent loan stacking with XXXX XXXX XXXX online. One of these companies, D.B.A. " Balance Credit '', out of XXXX, TX still has not stopped trying to collect. I get e-mails almost every day from them even though all of the other loan agencies stopped immediately. None of the loans appeared on my credit report, so I did not file a police report. Balance Credit will not stop e-mailing me unless I provide a police report, so we have been in an annoying back-and-forth for weeks. They are not getting money from me because I owe them nothing, yet they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: CO

Complaint narrative:
I had frozen my credit reports 2+ years ago due to the large data breech, and a desire to protect my credit. I now need my credit information to be available in order to change cell phone providers. I had no issue removing the credit freeze with XXXX  and XXXX. 

With Equifax, I am trapped in an automated black hole, and can not get this report unfrozen. The cellular provider I need to sign up with ( XXXX XXXX XXXX ) only uses Equifax. I have tried to login to myequifax.com, but am told to contact customer service after entering my login information ( I have also tried updating the password several times ). I have called a half dozen customer service numbers listed on their website, including the one I was provided when login failed, only to be directed to the same automatic phone tree, and told they can not complete my request, and then hung up on. There seems to be no way to speak to a live person, or to get this report unfrozen. I am at a loss as to what to do! Many message boards indicate this is a common experience of those trying to access Equifax. I am hoping the CFPB can provide some solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was at the XXXX dealership and when they ran my credit to see what bank would approve me for the loan I was told that I didn't qualify without a co-signer due to an account reflecting badly on my credit history. The account is from XXXX  XXXX XXXX with negative payment history with a credit limit of {$2500.00}. This account is not mine and I didn't give anyone permission to open this account on my behalf. I'm not sure who is responsible for opening this account ; I did not benefit anything from it being opened in my name such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account. I have already filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Submitted a first time home buyer application from last XXXX to XXXX XXXX of Bank of America on XXXX XXXX in XXXX Ct. 
She has been giving me the go ahead to find condos in a specific price range, indicative of inexpensive HOA fees. 
I believe I am racially discriminated, they initially intended to forward my application to a XXXX XXXX mortgage personnel because she deals with low income loans. 
Now, I am being punished, every condo I try to close on, she throws it out and I have to inform the seller of my misfortune. 
Just Friday, XX/XX/XXXX, she ran figures with me and distinctly told me to find a condo within a specific price range, today XX/XX/20 found just that and informed her, and she did not speak/ call me all day ... almost end of day, very impersonal, emailed to say the numbers wont work and boldly sent numerous emails stating she misinformed me. She mocks/ disregards me at her leisure. 
Complained numerous occasions to her manager XXXX XXXX, and still no resolution. 
I believe my rights and privileges are violated and disregarded as an XXXX XXXX  female. 
XXXX. Found a condo in an undesirable area, she XXXX XXXX told me to put up beautiful pictures, so I dont have to look outside at the guys that hang out on the corner! ) XXXX 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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was at the XXXX dealership and when they ran my credit to see what bank would approve me for the loan I was told that I didn't qualify without a co-signer due to an account reflecting badly on my credit history. The account is from XXXX  XXXX XXXX with negative payment history with a credit limit of {$2500.00}. This account is not mine and I didn't give anyone permission to open this account on my behalf. I'm not sure who is responsible for opening this account ; I did not benefit anything from it being opened in my name such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account. I have already filed a police report regarding this unauthorized account.

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was at the XXXX dealership and when they ran my credit to see what bank would approve me for the loan I was told that I didn't qualify without a co-signer due to an account reflecting badly on my credit history. The account is from XXXX  XXXX XXXX with negative payment history with a credit limit of {$2500.00}. This account is not mine and I didn't give anyone permission to open this account on my behalf. I'm not sure who is responsible for opening this account ; I did not benefit anything from it being opened in my name such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account. I have already filed a police report regarding this unauthorized account.

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 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I had been receiving calls from a woman stating she was going to serve legal documents in order to appear in court due to a debt owed to Ace cash express, she left several voicemails to my daughters phone stating she was an independent processor for XXXX county,  never indicating what company she was calling from or what she was calling about. I decided to call the number back on XX/XX/XXXX and got a call back on XX/XX/XXXX I spoke with an XXXX XXXX who stated Ace cash express was a multimillion dollar company and had a lot of evidence against me to file a civil suit against me in order to collect a debt owed for the amount of XXXX, however that they were looking for the amount of $ XXXX, I didnt recognize the account or the amount owed, I asked for a copy of the information to be sent through mail and proof of the debt owed but he told me I only had 24 hours to respond and after that we would have to go to court where I would owe more than {$2000.00}, stated my only options were to pay the debt or get an attorney. He provided an account number and also my personal information, I advised him I couldnt even look into the information because my daughters email was hacked. After speaking with him I looked into ace cash express where I found I did have a previous loan with them for the amount of XXXX. This company completely scammed me, they never indicated where they were calling me from, only stating they were calling from XXXX county about a civil suit, they refused to provide me with documentation of the amount owed and also charged me double the amount owed. Throughout the call I thought I was speaking with someone from XXXX county but then received an email stating it was from port-side solutions, which was never mentioned throughout the call, But then a charge from XXXX XXXX XXXX on my daughters card. XXXX XXXX phone number was XXXX, but Im still not even sure what company he was working for because as I stated he indicated he was calling from XXXX county.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX not only allowed someone else to obtain an auto loan in my name, but they REFUSE to cooperate with law enforcement or the FTC to remove the fraudulent account from my report. They are rude to me every time I call them, and one of their " fraud specialists '' told me that it was probably my fault that my identity was stolen, because people leave their wallets laying around all the time. They have made absolutely no effort to help me resolve this, all they do is lie and scam. They just agreed to pay {>= $1,000,000} in a lawsuit for subprime lending and shady lending practices. I think it's time they answer for letting people fraudulently open auto loans in other people 's names and refusing to co-operate with the law and FTC to get the accounts removed from the identity theft victim 's credit reports. Luckily, XXXX  has been great and removed the account, which is obviously fraudulent. Equifax and XXXX  will not remove the account until XXXX does their part. I have disputed this account several times with XXXX  and Equifax, and both refuse to stop reporting on my credit report. Unfortunately, XXXX has also failed to stop reporting the account, so all 3 parties are currently in violation of consumer protection laws in regards to this account. I am XXXX XXXX, the one reporting this issue on behalf of myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion stated that they have certified proof that I do have a bankruptcy on file XXXX I requested this information to be sent here to the cfpb immediately the certify copy they give you the right to complete and have this continue on my credit report you failed to provide me with any information before you do not give me anything in writing except somebody else showed you something but you did not show that something to me with the supposed to be certified and I supposed to be made aware of who gave you the information to put on my credit report regarding a bankruptcy I still did not see that information requested be sent here do not send it any place else I will not accept it I'm requesting it to be sent here to the cfpb uploaded so it can be reviewed by me and the cfpb immediately.

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 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent THREE ( 3 ) letters to the debt collector to explain that I had nothing to do with this debt, that my IDENTITY was stolen, and also to give me information and proof of my signature on these debts/contracts. I was told the next step is to get an attorney, which I can not afford, I am on a fixed income ( XXXX ). The Identity Theft website had you on the list to send a complaint about this company. Thank You PORTFOLIO RECOVERY ASSOCIATES, LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had an account with Bank of America since 2009 ( credit card and checking ). It is my oldest account, and I was a happy and loyal BofA customer, trusting it since 2009 when trust in the bank was at an all time low post the financial crisis. 

Like my other cards, I have paid ALL my bills in life on time, have never missed a payment ( on anything ) and have a pristine credit report/score. 

However, 5 days ago, with no notice or warning, BofA shuts down my oldest credit card account. No warning was given, and after spending an hour with their account closure department, they were unable to provide a reason why this was done, and unable to reinstate it. We are in the middle of a global pandemic. Banks ( like BofA, who have stuffed themselves silly with all sorts of bailout money while engaging in share buybacks - looking at you XXXX XXXX ) are screwing customers for no reason. These deceitful business practices should NOT be allowed to continue

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from Pay Pal Credit/Synchrony Bank. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted XXXX, XXXX, and XXXX  on XX/XX/XXXX to file disputes. Then I contacted PayPal/Synchrony and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from Synchrony Bank on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted Synchrony Bank and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.

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 non-monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX not only allowed someone else to obtain an auto loan in my name, but they REFUSE to cooperate with law enforcement or the FTC to remove the fraudulent account from my report. They are rude to me every time I call them, and one of their " fraud specialists '' told me that it was probably my fault that my identity was stolen, because people leave their wallets laying around all the time. They have made absolutely no effort to help me resolve this, all they do is lie and scam. They just agreed to pay {>= $1,000,000} in a lawsuit for subprime lending and shady lending practices. I think it's time they answer for letting people fraudulently open auto loans in other people 's names and refusing to co-operate with the law and FTC to get the accounts removed from the identity theft victim 's credit reports. Luckily, XXXX  has been great and removed the account, which is obviously fraudulent. XXXX  and Experian will not remove the account until XXXX does their part. I have disputed this account several times with Experian and XXXX, and both refuse to stop reporting on my credit report. Unfortunately, XXXX has also failed to stop reporting the account, so all 3 parties are currently in violation of consumer protection laws in regards to this account. I am XXXX XXXX, the one reporting this issue on behalf of myself.

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 2020-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: HI

Complaint narrative:
I graduated with my XXXX  but plan to go back to school. Because if COVID-19 I could not enroll or get in contact with my institution for the paperwork that Sallie Mae needed for my forbearance. Now they constantly call me and my family, demanding for {$1000.00} payment a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I contacted Experian to correct some information in their reports. I can not dispute online. Their website does not allow me to do that. It gives phone number. The agent helping me advises me to do it online. I said to her that i can not do that because I spent time already by waiting over the phone. She did not accept my dispute to remove fraught alert over the phone. I had to go to their website again to upload files. There is clear information on their website. their website is not customer friendly. it is like built for not helping to people including their phone system. Their voice recognition on the phone is not working properly. It is again like built for not helping to people. Their website is too limited. It is so difficult to upload documents. When you upload, the size of the document should not be more than 15 KB. if it is bigger than 15KB, you have to resize it first and then upload. When you try fixing the size of the documents and upload it, it is kicking you out of the entrance dispute form. In that case, each time you have to start from the beginning. Fill in the form and upload again. The capability of their website is so limited and after a few times it is not accepting anything and advising you to mail the documents. What is this? They charge so much money. They use our information to make money like credit card referrals all the time and advertisements. They cause for data breach all the time and we have to deal with this silly website. This is very greedy that they are taking so much from us and not giving anything. I urge you to advise these companies to serve better to us. Thank you

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