vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
This company is reporting that i have one 30 day late payment with them and also a 60 day late payment with them. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I was not aware that an outstanding debt existed until I received a notice from XXXX   indicating a negative item was placed on my credit report from an agency by the name of Collection Bureau of Hudson Valley from XXXX New York. 
It appears the alleged debt originated from a XXXX I had performed at XXXX Hospital in New York back on XX/XX/2017. According to the collection agency they represent XXXX XXXX XXXX, XXXX. 
This negative item on my credit report truly surprised me as I never received any invoices from XXXX XXXX XXXX XXXX and I have never received a validation notice or any type of correspondence from Collection Bureau of Hudson. 
it should be noted that I moved from previous address in XXXX, NY in XX/XX/2017 ( after  the XXXX took place ) to my current address in XXXX, NY. I filed forwarding addresses orders with the US Postal Service and my mail has been sent to my new address accordingly. It should also be noted that at the time of my XXXX I was fully covered by XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out to experian about an account that keeps popping up on my account. I have submitted everything they ask for over three months. The representative XXXX was very rude and XXXX and talked to me crazy. I requested to speak with a supervisor and he refused. I have never been treated so poorly.

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 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2020 I was at home and i relieved a text alert that someone was checking my balance on my card .Then they withdrew XXXX dollars before I could call the company .My card was used at an atm machine in another city 95 miles from where I live.and my card was in my wallet the whole time.i called to dispute the charges right away and the bank now refuses to give me my money back.i have since called the bank in the city where my money was withdrawn, I filed a police report and still the bank will not give me my unemployment back.i have had XXXX  XXXX  for overt 10 years and I have never had so many fraudulent charges over that time.I will be closing my account and moving somewhere else!

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 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been trying to set up my automatic monthly payment from my checking account to pay more than the minimum payment due with my Discover card. 
I have been trying on their website, and by telephone. It will only pay the minimum. If I try to modify the payment amount I get a " this page is unavailable '' webpage. I have not tried paying by mail yet. My most recent attempts by phone and on the website were on XX/XX/2020. The lady at the website could not alter the payment amount either. I will file this complaint, and perhaps also try a different web browser. I usually only use XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Account being reported as having two 30 day late payments. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments, i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2020-08-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Account being reported as having two 30 day late payments. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments, i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Account being reported as having two 30 day late payments. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments, i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2020-08-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I have repletely asked this company to stop using threating tactics. I have already told them I never opened an account online and they are harassing my friends/family, calling non-stop at my job, leaving me voicemails in which comes thru my company email, and besides threating calls that I getting arrested and I have a court date. When asked for more the details repeating I am not the correct party they just continue to harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has been longer than 30 days and I haven't seen any updates or received any protection from the bureaus.

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 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago from the credit bureaus. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a bank account with chase jp Morgan. The company closed my account of the blue around XX/XX/XXXX. I deposited a check for XXXX on XX/XX/XXXX for a car accident check. On XX/XX/XXXX 2 random deposits came into account for XXXX and XXXX. They closed the account and said we have to give 2 names which we have no idea who they are and no connection to the account. They won't even send a check for the money that was in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Equifax refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Equifax Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This complaint is a followup to XXXX. There were errors and omissions in the bank 's response to me. This complaint is on those errors and omissions. 

XX/XX/2020 XXXX XXXX Assistant Vice President, Executive Services Sun Trust now Truist XXXX XXXX  XXXX XXXX, VA XXXX Re : Everyday Checking Account ending in XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX Federal Deposit Insurance Corporation ( FDIC ) Case XXXX North Carolina Commissioner of Banks ( NCCoB ) File XXXX Dear Ms. XXXX, While I have already spent more than an intended amount of time on this matter, I would like to continue to address the important points of my complaint that were either omitted or incorrectly characterized by your response letter, dated XX/XX/2020. 

To facilitate review I have now enumerated the errors and failures of Sun Trust Bank now Truist. 

1. You now state that my account was suspended due to high risk suspicious activity. You do not state the nature nor the details of the suspicious activity. 

2. You state that upon further review and verification of the transactions the suspension was removed. 
You do not state the length of time it took to remove the suspension nor do you state why the reactivation email sent to me by Sun Trust failed to explain the suspension and reactivation. 

3. In reference to contact information you discuss how this is achieved once you sign in. However you do not explain how this can be done if you can not sign in. This is what happens when the account is blocked. You can not sign in. 

4. You have omitted the issue of Sun Trust now Truist not having a contact written reference on a website or even a postal address. You have provided no solution for written contact correspondence to Sun Trust now Truist. 

5. Concerning the outdated information in my profile, you state it is the client 's responsibility. I would expect this to be a joint responsibility, particularly regarding a 10 year old password date. Time spent on alleged suspicious activity would be better reallocated to client profile review. 

Sincerely, XXXX XXXX Copies to : Consumer Financial Protection Bureau Federal Deposit Insurance Corporation North Carolina Commissioner of Banks

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 2020-08-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There has been many dispute letters sent to Equifax and two complaints filed with the CFPB. 

First dispute sent XX/XX/2020 and a letter sent each month through XX/XX/2020. Equifax has removed all accounts except for : XXXX   XXXX  ( UNVERIFIED ) XXXX/XXXX  XXXX  ( UNVERIFIED ) BANKRUPTCY ( UNVERIFIED ) I am not sure why Equifax has decided to ignore these 3 accounts. These are just as invalid as the 8 accounts they removed on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
I received an email an email on XX/XX/XXXX telling me that my forbearance, which was under the CARES act, was ending soon ( XXXX ) and I needed to request the extension as soon as possible if I needed it. I was told I could request this through XXXX I attempted this, and they said they can not process that request. I also emailed you directly and never received a reply. I was asking for the additional 6 months as specified in the CARES act and also as mentioned in the letter you have sent me during my last CFPB complaint. 

I sent a letter with tracking to you on which was received by you on XX/XX/XXXX also requesting this extension. 

I then called on XX/XX/XXXX to confirm you had received the letter. I was told by the representative you have, and the request will finish processing XX/XX/XXXX. I called on XX/XX/XXXX, and was told you did not receive my request and the forbearance was ending XX/XX/XXXX. I was also told you refuse to extend an additional 6 months in accordance with the CARES act, and would only look into extending it 3 months at a time. 

I have also previously called to inquire what you will need from me as far as income requirements and other questions when I do eventually restructure the loan to bring it current, and no one is able to give answers to the questions. I do not understand how you expect me to eventually bring this loan current if you can not tell me what will be required of me at the time. 

In short, I want you to extend the forbearance the additional 6 months in accordance with the CARES act and also give me the contact information for someone who is knowledgeable in the restructure process for the mortgage at the end of the forbearance so I can ensure I am prepared for it. I was told the options at the end of the forbearance are restructuring or a partial claim to bring the mortgage current. 

This is my second complaint with CFPB largely due to your unresponsiveness and inability to follow up or answer questions at all and/or in a timely manner ( generally 4+ weeks ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was told that i was going to enter a service and receive a product but i never did. I entered multiple times which i contacted XXXX and XXXX  to cancel the payments but informed me that there is nothing they can do. Therefore i decided to file a complaint and i will also be filing a complaint with the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Tried several times to use my debit card to link to several different sources for payment! 
Says PNC made changes. 
Not Happy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: U.S. BANCORP
State: OR

Complaint narrative:
I received an unsolicited credit card from US Bank in the mail on XX/XX/2020. I made several attempts to contact US Bank by phone to complain and cancel the card. But, the wait times are so long it is  extremely inconvenient. I resent the fact that US Bank can send a credit card to someone that has absolutely no contact with the bank. The potential for fraud if this card were to fall into the wrong hands is enormous. My potential liability through no fault of my own is unacceptable. I have worked hard all my life to maintain a spotless credit rating and the potential this unsolicited credit card represents to do harm to my credit rating is also unacceptable. 
I do not nor have I ever had any account with US Bank. I do not want this credit card. But most concerning is that this type of practice of sending an unsolicited credit card to an individual is legal. This practice should be illegal and US Bank should be held responsible for consumer fraud.

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 2020-08-04 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Please link my Pnc checking account with my XXXX  account

Company response to consumer: Closed with explanation