vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I was checking my account balance after XXXX and my account read XXXX  I knew i had at least XXXX  to my name. there was a hold on my account from my bank of XXXX dollars. when i contacted the bank Friday morning. I was given the phone number to XXXX XXXX XXXX XXXX of XXXX  XXXX. I called the law firm I had not received a notice that a bank Lien was going to occur. The representative sent me an email with a copy of the letter to me about the lien. My first issue is i already have a creditor garnishment of 25 % being deducted from my paycheck this stated last week. by the way both of these credit card debt are from XXXX both judgement occurred in XXXX and XXXX so i believe this is a very old debt. I guess there is a deadline that coming up so they both are suing me at the same time. my case is a hardship case. I do not always work 40 hours a week. I live in an expensive part of the country XXXX county Virginia. I have no savings. I do not own a car I own no property.I have plenty of medical bills for a medical condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: IN

Complaint narrative:
Here we go again. I was notified by a company that I do business with that my credit rating went down. It went down because it showed I was delinquent on a payment on my mortgage. The credit reporting agency it showed as Trans Union. I called the bank that reported it and read them the riot act. They showed me the report that they submitted through all the credit rating agencies it was titled a uniform credit report as I recall. Its all the same information went to all the reporting agencies. The bank shows that they did not report me as delinquent. I called TransUnion and they claimed that the bank absolutely did report that I was Delinquent. I contacted the bank again they assured me they did not. I filed a dispute. The bank responded to the dispute at my request the next day. I then called TransUnion to find out why it takes 45 days to fix their mistake when Delinquent reports show up instantly. The lady then informed me that it was absolutely the banks fault. So I asked her to pull up all of the reports. She said she couldnt as long as the dispute was outstanding and asked if I wanted to cancel the dispute. I asked her if I cancel the dispute would she be able to see the report the bank just submitted in the prior report that the bank submitted in mid XXXX. She said yes. So I canceled the dispute. She pulled up the report from the other day that showed that I was never late in the day account was closed. She then stated she couldnt pull up the report from me but was able to see that the report stated that the account was closed and all payments are on time. And then I asked her to pull a previous reports and she said she could not and we all know the TransUnion still has that information. So today I checked my credit report and it shows the fix from the bank and it still shows theDelinquency report the Trans Union created on its own. So now my credit report still shows a false mistake by Trans Union and a delinquency that never existed. Why wont Trans Union remove the delinquent report that is false. When I asked Trans Union why only Trans Union showed the delinquent report and the bank said they never submitted a delinquent report and all the other reporting agencies did not show that they couldnt answer that so basically Trans Union was saying the bank was wrong XXXX was wrong XXXX was wrong and XXXX ( spelling? ) was wrong.

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 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE IS NOT REPORTING TO CREDIT BUREAUS AND IS RUNNING MY CREDIT BY REPORTING WEEKS LATER!! They will inform the bureaus immediately if i miss one payment, but when I make a payment early/on time, CAPITAL ONE will not update my payments for up to one month OR MORE!! 

I paid my credit card balance precisely one week ago and I also completed two separate payments to the exact same credit card. All of my payments have been deducted from my bank account and have posted to my bank account as well. The problem is that I called capital one about updating my available balance and was given an ultimatum. It has never taken more than 2 days to update. I have made and posted 3 separate payments to this credit card and the balance is {$1.00} but my available credit is {$0.00} and it has been that way for a week now. I believe that I was targeted by the senior account manager due to their extreme rudeness and me, clearly informing them that they are not helpful whatsoever and that my problem was not addressed or merely resolved. How can capital one just take our money and hold it hostage. 

This is directly ruining my credit score due to the fact that they are not reporting on time. This credit card is completely useless and it has only made my credit score drop by over 100 points. They only ruin my life and credit instead of helping make it better. I wish this company could be brought to justice!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I had an XXXX  account cc from Comenity Bank. I had paid that monthly bill in multiple payments. Always on time and even extra. The due date was on the XXXX. On XX/XX/XXXX, the store site was down to pay. But eventually it worked. Ib this day I also made the full amount payment. Over 300 dollars to finish it off. Then, a month later I get a bill for XXXX dollars 2 late charges. Even if they want to accuse me of being late once, that's XXXX, but i got charged another late fee for a late fee? And the whole bill is paid off. This bank is despicable. I closed that cc after this. 

They have We Help During this Pandemic all over the place. Unbelievable to rip off customers like this. My credit is good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern my name is XXXX XXXX. When applying for unemployment I was given the option to receive direct deposit I checked to have it sent to my own personal account and summited the application. I got approved for unemployment and logged on to my account on unemployment and seen a payment was sent to me in the amount of XXXX on XX/XX/2020 but when I checked my bank account XXXX with Bank of America nothing was there. I checked again the next day to see if any deposits came to my account then I noticed the last 2 digits of my Bank of America account number was wrong. Instead of my account XXXX It had XXXX I contacted Bank of America to let them know what happened and they told me if the account name didnt match the name on the direct deposit it would be rejected. I called unemployment several times to see if the payment was rejected no one was able to help me. I finally went inside Bank of America and explained everything that happened and spoke to a branch manger name XXXX XXXX, she informed me that the wrong account number that my money went to is an active account and the direct deposit did go through to someone elses account she said she can see the direct deposit was made out to me and came from the unemployment office and it was a business account that my money went into. She filed a claim and they notified the person of that account. The person of the account did notice a mistake had been made and agreed to sign and email a ACH authorization form to have the funds sent back to the correct account. It has been 2 months and I still have not received my money. XXXX XXXX the branch manager I spoke to is located at XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX and can be reached at XXXX. I can be reached at XXXX account number XXXX or XXXX XXXX XXXX whos name is also on the account with me. 

I read on channel 9 news XX/XX/2020 same thing happened to a older couple by the names XXXX XXXX and XXXX XXXX who put XXXX in wrong account said it was a nightmare just to get it back from Bank of America after weeks of calling and having to go on XXXX XXXX news got their money back and a extra XXXX for the troubles I think same should happen for me as well. Give me my money back and XXXX extra for my troubles its been 2 months.

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 2020-07-18 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: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
I have XXXX XXXX that I monitor regularly and noticed that XXXX XXXX  from XXXX is on my credit report which I never used or have a XXXX account. Dates go back on this account from XXXX. I got married in XXXX with my husband and we bought a house together in XXXX. I also received a letter in the mail from Credit Corp Solutions collection agency from Utah, demanding payment for {$1200.00} and that is dated XX/XX/XXXX. I called the number on the letter ( XXXX ) XXXX, and spoke with a representative stated that I don't have a XXXX account. I then told them the address that they had on file was XXXX XXXX XXXX in XXXX, which I lived there 20 years ago with ex-boyfriend. The collection agency sent me a large packet of paperwork with detailing the charges to my address with my maiden name. Every charge in the packet is detailed in the name " XXXX '' and multiple similar charges repeat over several dates, which I don't recognize. In this packet, they demand me to complete, notarize and return to them. They have my current address, social security number and date of birth. I filed a police report with XXXX police department and also spoke to the fraud department at the bank about this situation. Bank told me there is no money coming out of my account and debit card is fine, bank told me that they are fishing for someone to pay this bill. There is an investigation on this case and here is the police report number : XXXX. I was at work on XX/XX/XXXX and I got a call at XXXX XXXX, from an anonymous number, which I didn't answer, who did leave a message, which was Credit Corp Solutions calling me about returning the pack. I called them back to tell them to stop calling me on my work phone and I'm not returning the packet with my signature on paperwork. 

Thank you for reading what I had to say. I hope this helps everybody who is having the same issue as I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I was trying to make both an XXXX & XXXX account which both use XXXX  and you guys will not connect with them for some reason. It is a very very much incobvience that i can not connect my account to these apps!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Self Financial Inc.
State: NV

Complaint narrative:
XXXX Previously I filed a complaint with CFPB against SELF Lender. 

Self lender received my emailed cancellation request and responded with an with a cancellation email. 

This was all done within 30 days of my account being opened. 

There was no bill! 


The reason for this complaint today as of XX/XX/2020. 

SELF Lender going by this name, XXXX XXXX XXXX has reported me to the credit bureaus. 

They have my status as CURRENT and they have me with a balance of {$1600.00}. How is this all possible on a closed account with no balance? 

This will be reported and disputed with all credit bureaus and I am seeking legal advice if this doesn't get removed from my credit files immediately. 

This false information has dropped my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2020, my husband and I visited the PNC Bank branch in XXXX XXXX, NJ to close on a home equity loan. The purpose of the loan was to refinance my 1st mortgage with XXXX XXXX, along with a small home equity loan currently with PNC. After the closing, we were advised that the right of recession would expire on Friday, XX/XX/2020 and that two loans will be paid in full within one to two business days and the net proceeds would be disbursed to me. As of today, XX/XX/XXXX, both loans which were subject to refinance are still active, including the home equity with PNC. Additionally, the net proceeds have not been disbursed. I left a voice mail for the loan manager on XX/XX/XXXX which went without a response. This morning, I contacted the branch at which the closing took place, and it is closed. 
Given that I am out of alternatives, and now the new loan and the existing loans are concurrently accruing interest, I was left with no choice but to ask for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: TX

Complaint narrative:
all ftc violations listed : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 77 Months Monthly Payment {$850.00} Responsibility Joint Account Balance {$39000.00} Highest Balance {$37000.00} Payment Status 90-119 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late XXXX Remarks Affected by natural disaster Creditor Name XXXX XXXX Account Type Telecommunications/Cellular Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$360.00} Highest Balance {$360.00} Payment Status Collection/Charge-Off Worst Payment Status - XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$130.00} High Balance {$130.00} Remarks Medical XXXX XXXX {$330.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$330.00} High Balance {$330.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$200.00} High Balance {$200.00} Remarks Medical XXXX XXXX XXXX  {$830.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$830.00} High Balance {$830.00} Remarks Consumer disputes this account information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX + {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$150.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$830.00} Original creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The response XXXX, XXXX, TRANSUNION is not consist with the Fair Credit Reporting Act or FCA. The Fair Credit Reporting Act gives the credit bureaus no more than 60 days to complete a complaint of a customer. 
The credit bureaus never responded to my initial complaint dated XX/XX/2020. So therefore the credit bureaus only have 30 days to answer my complaint fully from the date of XX/XX/2020 this is an continuing case that with no response from XX/XX/2020 case. That I do not have an account with XXXX and I do not owe XXXX any money as the credit bureaus are reporting. If the credit bureaus fill I owe another creditor than they should report the that creditor so I can issue a dispute with that company. Like I did the XXXX account. XXXX has issued a written statement stating I do not owe the company any money. The XXXX state my XXXX was sold and they are not the original creditor any more. My account was sold to XXXX. XXXX XXXX XXXX is a fraud reported by the state of Michigan. Once account is sold then the original creditor would be listed as XXXX. Have your client XXXX XXXX XXXX to send me documents that the original creditor is XXXX not XXXX with the creditor Code so I can send the documents to the state of Michigan for review. So to all the credit bureaus have your client XXXX XXXX XXXX send me documents stating XXXX XXXX purchased from the original creditor XXXX onXX/XX/2020 my account for {$270.00} with the chain of custody. Then I will send the documents to the state of Michigan for review. The XXXX account the Credit Bureaus list for $ XXXXis not mine. 

Under the Fair Credit Reporting Act the original creditor is the last creditor to hold the account and that would be XXXX. 

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
Consumer complaint received 2020-07-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
The response Equifax, XXXX, XXXX  is not consist with the Fair Credit Reporting Act or FCA. The Fair Credit Reporting Act gives the credit bureaus no more than 60 days to complete a complaint of a customer. 
The credit bureaus never responded to my initial complaint dated XX/XX/2020. So therefore the credit bureaus only have 30 days to answer my complaint fully from the date of XX/XX/2020 this is an continuing case that with no response from XX/XX/2020 case. That I do not have an account with XXXX and I do not owe XXXX any money as the credit bureaus are reporting. If the credit bureaus fill I owe another creditor than they should report the that creditor so I can issue a dispute with that company. Like I did the XXXX account. XXXX has issued a written statement stating I do not owe the company any money. The XXXX state my XXXX was sold and they are not the original creditor any more. My account was sold to XXXX. XXXX XXXX XXXX is a fraud reported by the state of Michigan. Once account is sold then the original creditor would be listed as XXXX. Have your client XXXX XXXX XXXX to send me documents that the original creditor is XXXX not XXXX with the creditor Code so I can send the documents to the state of Michigan for review. So to all the credit bureaus have your client XXXX XXXX XXXX send me documents stating XXXX   XXXX  purchased from the original creditor XXXX on XX/XX/2020 my account for {$270.00} with the chain of custody. Then I will send the documents to the state of Michigan for review. The XXXX account the Credit Bureaus list for $ XXXXis not mine. 

Under the Fair Credit Reporting Act the original creditor is the last creditor to hold the account and that would be XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Schrier, Tolin and Wagman, LLC
State: VA

Complaint narrative:
case number XXXX the paperwork about the Garnishment was not sent to my current address in XXXX XXXX. XXXX   instead it was sent to my brother XXXX in XXXX  XXXX. I moved from XXXX   XXXX in XXXX. The credit card debt is from XXXX when I lived in XXXX XXXX . I moved from XXXX XXXX In XXXX they had placed a judgement on me in XXXX  XXXX in XXXX. I assume there is a deadline for being able to collect. In my Last paycheck from XXXX my employer The Garnishment amount is the full 25 % they can collect. I would like to claim the Homestead exemption of {$5000.00} ( 34-4, Code of Virginia  ) since I do not have any assets. I have medical bills for a long term condition that i can go into more detail I live in an XXXX XXXX XXXXXXXX XXXX  it is a housing for people in XXXX. The full garnishment is a burden

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