vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 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: Diversified Acceptance Corporation
State: CA

Complaint narrative:
This company is fraudulently reporting an account on my credit, on behalf of " XXXX XXXX '' however, XXXX XXXX states that they do NOT have an account in collections nor did they even give this company permission to report my information as being in collections. This company company is running scam and reporting incorrect and fraudulent information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
The Company in question " Optum Bank '' is a Financial Health Services company that handles our HSA. As of right now we have 9 requests for reimbursement from our HSA that has been marked as " Stop Pay '' by the company. This has been the third consecutive time this has happened and each time we have contacted the company to find out the problem. Each time we have been told that the problem has been handled and to resubmit the requests and it should go through however every 24 days it returns to being labeled as " Stop Pay ''. The HSA account itself has {$2000.00} in it and should easily cover the accumulated {$770.00} cost of the reimbursements. We had first applied for these reimbursements in early XXXX of XXXX  and are coming into the forth month of struggling with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recieved a settlement check for medical bills for less then I could have recieved but because I needed to pay my bills i accepted the low settlement. Then when i took my check to my bank they put a hold on it which was fine because they stated that it was just so they could verify the funds. The other bank has paid them the money and the branch who put a longer hold then required according to the call center refuses to lift the hold even though they have my money. Now they wont close my account or give me my money. I deposited the check on XX/XX/2021 in the bank and they recieved the funds on XX/XX/2021 or sooner and they refuse to give me my money till XX/XX/2021 even though they have it and its not their money

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 2021-03-10 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... XXXX XXXXXXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX TN ) XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX TN ) XXXX ... XXXXXXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... AD ASTRA REC ( Original Creditor : XXXX XXXX XXXX XXXXXXXX TN ) XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020 and XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My Full First name is XXXX XXXXXXXX XXXX and my Last Name ' XXXX XXXX So my total Full name is " XXXX XXXX XXXX '' as per state government-issued ID. I have got my credit report from XXXX when I first looked at it showed me my name as 15 names. The same name is shown on the XXXX report in different ways wrongly. 


XXXX XXXX XXXX Name ID # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Name ID # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: GA

Complaint narrative:
I sent this to Equifax without response, after pointing out a potential breach : Why do your Equifax Customer Service agents request identity verification from consumers ( drivers license, social security card ) be sent by mail without a warning that the use of USPS in the transmission of such sensitive information could easily lead to mail theft and identity theft? 
I would like a reply, and I will continue to make this inquiry through the different contact points within the Equifax corporate structure until I get a reasonable response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Conn's, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Lease was opened on XX/XX/XXXX and it was a early turn in and it reported an open balance of {$660.00} on XX/XX/XXXX and this balance was paid in full and this shouldn't be reporting as balance owing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had set up a checking account with Suntrust back when my mortgage was through Suntrust. After refinancing with a different bank, I withdrew the remaining funds in my Suntrust checking account back to my main account with XXXX XXXX. Unbeknownst to me, Suntrust was using a third party payment processor that tacked on a {$3.00} fee to my withdrawal, thus bringing me to - {$3.00}. Suntrust did nothing to announce this fee. Moreover, it is beyond me why they need a third party vendor when they are a bank. I couldn't put more money back in to my account without hitting the minimum transfer of {$10.00}. And if I wanted to close the account, which I absolutely do at this point, I would again have to eat a {$3.00} fee from this hidden vendor. I called their representative, they said they would have to wait for the overdraft fee to process in order to waive anything. So I waited and called today. I've been given the runaround by their representatives for almost an hour. I'm now up to a {$42.00} fee to access my money. This is absurd and predatory.

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 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Upon starting a new service on XX/XX/XXXX, I was informed by XXXX XXXX that I had an existing balance in collections of {$410.00} from electric service at a previous residence. I didn't know about that balance, and promptly paid the {$410.00} balance plus a {$100.00} deposit for the new service at my new residence. 
I later received collection calls from Online Information Services regarding the {$410.00} balance. I spoke with XXXX ( phone : XXXX ) at OIS on XX/XX/XXXX about getting the balance off their records as it was paid in full. On XX/XX/XXXX I mailed copies of the statement showing the {$410.00} charge to the new account, brought forward from the old account via my SSN, and the payment that was made to XXXX  the balance out moving forward. All of the hard copies showing all of this was mailed to : Online Collections XXXX XXXX XXXXXXXX XXXX, NC XXXX I am still reveiving periodic phone calls from OIS to collect, and every time I explain that I have already paid the balance, AND have sent them proof. 
In XX/XX/XXXX I filed Chapter XXXX Bankruptcy, and included this " phantom '' balance in my filing, hoping to get the collections to stop once and for all. The Bankruptcy was discharged on XX/XX/XXXX. 

Today, XX/XX/XXXX, I received yet ANOTHER call from OIS trying to collect the balance. I informed the caller that I had filed Chapter XXXX and the debt, which was not owed to begin with, was wiped out in the bankruptcy. She still asked for proof the debt was paid. 

This is harassment at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
A teller at the drive through at the Prosperity Bank in XXXX XXXXXXXX Tx, used my payroll check to call my employer without my permission to file a complaint about me being " rude '' or " disrespectful ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The account on my credit report with Westlake Portfolio is reporting incomplete information that I have disputed multiple times with Experian. The information is still not correct and the account is still on my credit report. The payment history is incomplete with missing payments. The account was opened in XX/XX/XXXX. However, there are no payments reported until XX/XX/XXXX, which is over a year from when the account was opened. There are also missing payments throughout the payment history. This is incomplete information and a violation of the Fair Credit Reporting act.

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 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I received a letter in the mail on XXXX that a " Synchrony XXXX '' card was applied for but was denied. I looked on my XXXX XXXX account and found a hard inquiry had been made by Synchrony bank on XXXX. On XXXX, I called Synchrony and they verified that an internet application had been made for their music card in my name. I have been given a file # for the case and they will remove the inquiry from my credit report. The file # with them is XXXX, they can be reached at 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 non-monetary relief
Consumer complaint received 2021-03-10 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: PA

Complaint narrative:
I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review the following : Fraudulent items listed on my credit report are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX, XXXX  CARD, XXXX/XXXX, XXXX XXXX XXXX as XXXX on my Identity Theft Report attached.. Please remove all from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Fraudulent checks and deposits were made in my checking account and then disbursed through XXXX XXXX. This caused the checks and deposits to be charged back, making me lose my personal cash and the transactions out to via XXXX XXXX still be disbursed to someone I don't even know. I'm in the hole quite a bit of money at the moment and for no reason. Please help.

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
loan with PHH XXXX loan number XXXX reported to them back in XX/XX/XXXX that this mortgage was not reporting a credit agency for both my wife and I was told they would start reporting Had my credit pulled for a VA cash out refinance and found out still not reporting to any credit agency was told that is was because we had a chapter XXXX BK and it needed to be reaffirmed after agent XXXX # XXXX found out we reaffirmed with XXXX that it will have to be go to their BK department now I was on hold for 45mintues and still on phone Agent told me that it shows that we reaffirmed with XXXX even OCWEN serving reported up until XX/XX/XXXX as reported on updated credit report. 
XXXX agent has no pull to correct this and now have been told it has be submitted their credit operation department to investigate I Need this to report to all 3 credit agencies for both my wife and I to finish our refinance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The account with XXXX XXXX on my credit report is reporting incorrect information that I have disputed several times with Experian. The balance is reporting as {$830.00}. The past due balance is reporting as {$1100.00}. This information is not right. THERE IS NO WAY THE PAST DUE BALANCE IS MORE THAN THE BALANCE. I have already disputed this information and Experian did not correct the information or delete the account. They allowed the company to verify this OBVIOUS inaccurate information as accurate. ALSO, the account payment status is reporting as 180 days past due, but the account has been charged off since 2018. How is the account 180 days last due??? This is CLEARLY WRONG. I have disputed this information several times.

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 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: TN

Complaint narrative:
I have suffered with the XXXX Virus 2 times. XX/XX/XXXX and again recently XX/XX/XXXX after taking the XXXX XXXX XXXX. BSI Has refused to offer mortgage assistance or a forbearance to me so I can keep my home from foreclosing. Received foreclosure letter from foreclosure attorney dated XX/XX/XXXX but received it in the mail. XX/XX/XXXX, XXXX.The Tennessee law states I was to receive 30 day notice prior to the foreclosure sale of which it is only a few days prior to the sale date. I was affected by XXXX and we have been under a foreclosure moratorium since XXXX of XXXX. BSI customer service is rude, unwilling to help homeowners and they disregard federal laws moving forward with foreclosing on homes. I'm a elderly woman who has filed bankruptcy several times to keep my house from foreclosing and keep a roof over my head. I have requested mortgage assistance several time, BSI will not work with me. I Need Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I called the LVNV on XX/XX/2021, trying to figure out where the debt was coming from. I spoke with a representative who told me it was for XXXX XXXX, and I owed them XXXX dollars. I explained that that is incorrect, seeing as I have the final bill and I owed XXXX at the account closing time. She told me that my final bill was XXXX dollars, and we bickered back and forth. She asked if I wanted something verifying the mail 's debt, and I said yes : I have yet to receive anything In the mail. I reported them to XXXX, and somehow they verified the obligation to them, but not me. On XXXX, they moved the account from Open to Closed without any explanation, and also on XXXX, I was informed that the debt has yet to be valid. However, I have not received anything showing that I owe a debt to LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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 — Investigation took more than 30 days
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation