vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
On XX/XX/2020, I opened a National Bank of Arizona checking account through their website. I funded the account with a {$50.00} electronic funds transfer from my existing XXXX XXXX  checking account. I received an email that said " your account has been approved and opened '' with instructions on how to verify two small deposits to my XXXX XXXX  account from National Bank of Arizona to verify the external account and instructions on how to set up online banking. I set up online banking and when the small deposits hit my account on went to sign in to online banking on the National Bank of Arizona app. When I went to sign in, I got an error message that said to call customer service. On XX/XX/2020 I called customer service and the agent I spoke to let me know that I needed to go into a branch to finish opening my account and verify my identity. I let them know that I am not comfortable going into a branch during Covid-19 because I have an immunocompromised child and we are self-isolating as a family. I asked if my account could instead be closed and the electronic transfer reversed. They said they would close the account. on XX/XX/2020 I received an account summary statement from National Bank of Arizona. I called customer service again that same day and they said the account was not closed and to call the local branch. I called the local branch and they said I had to come into the branch to close the account and reverse the electronic funds transfer. I told them I would have to think about it, as I don't want to go in and left it at that for the time being. On XX/XX/2020 I received an email that stated " If you do not validate your External Account within 60 days of opening the account, the account will be closed. '' so I decided to just wait that 60 days out and let the account close itself. On XX/XX/2020 I received the same email. The account was not closed after 60 days despite the fact that I never verified my external account. I received another account summary statement in the mail on XX/XX/XXXX. I called customer service again today XX/XX/2020 and was told that I had to go into the local branch to close the account and get the electronic funds transfer reversed " in this case '' when I asked what " this case '' was, they said they could not tell me anything " in order to protect the privacy of my account ''. So as of now, the account is still open even though the 60 days has passed since opening the account online and monthly maintenance fees are being charged.

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 2020-10-14 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: NC

Complaint narrative:
I was approved for an XXXX credit card with a {$300.00} limit ending in XXXX in XX/XX/XXXX and immediately paid the {$75.00} annual fee. The only charge to card was an {$87.00} paid in full without interest. I decided to close the account in XX/XX/XXXX prior to a relocation and after the final payment of {$87.00}. I never received the prorated refund amount paid on the {$75.00} annual fee for the closed account. In XXXX, XXXX, my family relocated to another state and I submitted a letter to close the XXXX card and mailed the letter and card back to XXXX aka XXXX XXXX. 

In XXXX, I noticed a collection amount on my credit report that with each month continued to grow by hundreds of dollars. I disputed the amount with the credit bureaus and the negative entry was removed. Again, in XX/XX/XXXX the negative tradeline was back on my credit report for a total of {$380.00} which I am assuming is the bank having charged another annual fee in XXXX to the closed and unused account and then repeatedly adding late charges and fees to the balance to increase it. I have not received any bills from XXXX aka XXXX bank due to relocation and I believe this may have been intentional. Now, XXXX aka XXXX XXXX  has finally reported the account as " Closed '' but has placed a Charge-Off amount of {$380.00} which I do not owe. This {$380.00} exceeds the original credit limit which places further damage to my credit. This account was closed in XXXX with a {$0.00} balance, and the card was mailed back to the bank. The collections department has been unreachable since Covid and XXXX   aka XXXX XXXX  refuses to reply to any disputes, My credit has been severely damaged and this has prevented me from refinancing my home and also caused my other lines of credit to have increased APR 's as I'm seen as a credit risk due to my XXXX  score dropping XXXX points when this was added to my reports.

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 2020-10-14 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: NY

Complaint narrative:
I sent 4 rounds of letters to the credit bureaus, but they are not doing what they should do. I have a inquiries I didn't authorized and errors on my credit report.

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 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX I was in a car accident that was my fault. I was XXXX years old and had no financial help. I used a XXXX XXXX credit card to pay to fix the other persons card which made the total {$4100.00}. This maxed out my limit and then I proceeded to make minimum payments. XXXX XXXX then closed my card in XXXX of XXXX. Multiple collection agencies passed it around and it recently ( XXXX ) landed at a new collection agency. The current agency is Porfolio Recovery Associates. They are falsely reporting that my card closed in XXXX when it closed in XXXX. Due to this card being closed for just under 7 years I would like to have it removed from my credit. I am now 6going on 7 years older and would like to progress in life and I can not do that with this delinquency from when I was younger and immature at the hands of a recovery agency I have never heard of nor has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
This debt is invalid due to identity theft. The original account by XXXX XXXX was reported as fraud and blocked. 

It has been sold to JEFFERSON CAPITAL SYST and they are attempting to collect on a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: NY

Complaint narrative:
I sent 4 rounds of letters to the credit bureaus, but they are not doing what they should do. I have a inquiries I didn't authorized and errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: NY

Complaint narrative:
I sent 4 rounds of letters to the credit bureaus, but they are not doing what they should do. I have a inquiries I didn't authorized and errors on my credit report.

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 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Myself XXXX XXXX XXXX and My wife XXXX XXXX XXXX, resident of XXXX XXXX, XXXX XXXX, XXXX, PA XXXX are Senior Citizens and own investment properties and dealing with Mr. Cooper a mortgage servicing company has been a disaster and one of our loan numbers XXXX is being reported wrong to the credit companies and we have been sending letters and proofs that our payments are made on time and we have Home Owners insurances. We have all the proofs but the people at Mr. Cooper either are too XXXX  or untrained that they don't understand anything about Mortgage. We are getting all the lates on our credit report and they don't care. We need someone to look in to their practices of business. We need this fixed ASAP. We need to refinance our properties and all these lates off our credit so we can get better interest rates. We also need Credit Companies to do their job and investigate before they put these lates and XXXX us folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
XX/XX/20 received collection letter from XXXX XXXX, for XXXX XXXX XXXX   XXXX. for the amount of XXXX. The debt owed was XXXX this debt was settled through Rausch Sturm on XX/XX/20 in the amount of XXXX. 
this account stills shows as open collection and has dropped my credit 30 points, as we are in the process of buying a house. 
I contacted XXXX  XXXX, they show it as open, yes they are not trying to collect the full amount, but what I had agreed to settle with rausch sturm. They told me to contact rausch sturm, which i did. They show it as paid!!! They do not know why it wasnt reported back to XXXX  XXXX, and said they would send it to the back office, so XXXX   XXXX  is trying to collect on a debt that has been settled 5 months ago, and damaging my credit in the process. I asked rausch sturm how is it that XXXX  XXXX  is trying to collect the amount we settled on and not the whole debt if you have had no contact with them?? This is showing up on the 3 major credit reports as and open collection and has dropped my credit score!! It is illegal to try and collect on a debt that has been settled, and settled 5 months ago!!!

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 2020-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally Financial is reporting an auto loan on my XXXX  credit report. They just started reporting about 4 months ago. I called and spoke with them and found out that the vehicle was reposessed in XX/XX/2016. They referred me to a collection agency who informed me that the statues of limitations has past for collecting on this debt. I informed and submitted an Identity Theft Police report which shows the vehicle being mentioned as fraudulent. The collection company informed me that Ally Financial told them to keep the account open no matter what and still contact me to collect on a debt that they know that is fraudulent and also past time limit to collect.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I've been trying to contact someone at XXXX XXXX at XXXX XXXX XXXX XXXX for the last 2 days to fix an issue with my account. 

At the XXXX checkout page, when I try to purchase a new phone and use my XXXX XXXX account, the system keeps redirecting me to a new credit application page. 

I've been on the phone with XXXX at XXXX and they basically said that the issue is with XXXX XXXX, operated by TD Bank. In a recent email exchange, one of the Customer Support from XXXX E-Commerce, I received the following instructions : XXXX XXXX XXXX XXXX XXXX ) XX/XX/2020, XXXX XXXX Hi XXXX, Please make sure that you have linked you XXXX account to your TD Account by going to this linked : XXXX XXXX XXXX XXXX XXXX Also, contact TD by calling XXXX. Check with TD if your address has been updated and then wait after 3 business for the change to reflect on your XXXX account. 
Warm regards, XXXX XXXX XXXX Customer Care XXXX I've tried to link my XXXX account to my TD account ( XXXX XXXX XXXX, and got the following message : We could not find your TD application We identified your XXXX Account but did not find a TD Bank application associated with your XXXX Account. Please sign-in with the email address used to create your XXXX XXXX account. If you lost your account, we can help you find it. If the XXXX Account email address and password you used when applying with TD Bank, N.A., for XXXX XXXX  is different than your current account, please contact XXXX Customer Care. 

SIGN IN WITH DIFFERENT ACCOUNT I've also called XXXX XXXX ( TD Bank ) at the XXXX informed and waited for at least XXXX until the connection dropped. 

From TD Bank XXXX XXXX XXXX XXXX my account is in good stand. Here 's a quick snapshot of my account as of XX/XX/2020 : Acc ending in XXXX Available Credit : {$2900.00} Total Current Balance : {$220.00} Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Services, Inc.
State: FL

Complaint narrative:
On XX/XX/20 after MONTHS of trying to reach National Credit Service ( NCS ) I was finally able to get someone on the phone to make payment arrangements. At this time they informed me that my account would be in delinquent status unless I pay the loan off in full for {$20000.00}. I am unable to do this so I started payment arrangements. I called again on XX/XX/20 to see if I could get proof of my payment plan including information on if my payments are going to interest or principal etc. I was informed that they could not tell me but could send out a paper showing my payment and they referred me to look at XXXX for information. I again asked if my payments could change the status of the account and was told that I would have to pay {$20000.00} to change the status of my loan. I was able to log onto XXXX and I can see that my balance is {$17000.00} to pay the loan in full. NCS is being deceptive to exhort additional funds from me against my remaining balance. This is obviously unfair collection practices and fraudulent actions on their part. The Department of Education gave my loan balance as {$13000.00} as of XX/XX/20 with NSC trying to collect a {$3000.00} fee and interest on top of that. NCS 's deceptive actions leave me no choice but to report them for this to be resolved. Their poor ethics, terrible customer service and unfair practices leave no room for anyone to pay down a loan. The payments that I am making are going ONLY to NCS fees and not even toward my loan balance. This needs resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake Financial provided extensions for loan payments during the months of XX/XX/2020 and forward for COVID related hardships. They claimed the payments would not affect credit reports. Now those payments are showing up as late on our credit reports. The company is not honoring their extension policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
The original creditor is XXXX XXXX XXXX. My daughter was seen at XXXX XXXX on XX/XX/XXXX. I provided all insurance information which was XXXX XXXX XXXX during that time with an effective date of XX/XX/XXXX. The representative did not update her account with that information and caused an insurance denial on the XXXX policy that was termed in XX/XX/XXXX. I provided the updated insurance to XXXX the day of the visit, XXXX XXXX XXXX after receiving a bill and IC System ( collection agency ). This information apparently was still not updated. 
I spoke with XXXX in the billing department for XXXX XXXX XXXX. He was not able to pull up any account with my daughter 's name on it, only my name and nothing with that date of service. I haven't been to that hospital in 10 years. 
There are two issues, no account with my daughter 's information and the insurance information provided on multiple occasions and now this is showing on my credit report due to their negligence.

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 2020-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: OH

Complaint narrative:
absolute resolutions investments llc is takeing me to court for a debt that i have no knowledge of, i contacted them and told them the signiture that they have is not mine and the bank account number is not mine and has never been mine yet they still insist that i owe this debt, they are sueing me in court and have now sent me a letter stateing they may submit to the credit reporting agency which they have already done, i am tryig to figure out how they can do this. i fully intend to stand up in court on XX/XX/2020 and tell the judge how they are trying to railroad me for someone elses debt, i am on XXXX  and i can not have my bank account garnished and they think i am going to fold and pay this debt which i am not i will stand up and fight untill someone hears what i am saying,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$810.00}, {$0.00}, {$690.00}, {$590.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my 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 2020-10-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: HILLTOP HOLDINGS, INC
State: OH

Complaint narrative:
I had a forbearance in XXXX XXXX and XXXX. And end of XXXX i decided to end my forbearance because of going back to regular hours of my job. I made some of my total debt and after couple weeks i called again to pay rest of my debt bc of forbearance. Person at phone told me that there is a new option XXXX  XXXX  brought and told me to put my debt to end of my mortgage payment and i can start monthly payments with no interest or anything. Person at phone also told me not to make any payment until i receive some papers by mail. I wait weeks and weeks. Called them end of XXXX andXX/XX/XXXX times. Each time i call they said i will receive papers and let me wait. But at other hand primelending kept sending me bills to make payments all of them once. Each time i make a call they ask me to pay and i remind them i had applications for put my debt to end of mortgage payments. Their answer is " well i will take a note here '' this situation scares me that one day i will get forclosure papers. Please do something. It's so stressful situation. XXXX XXXX XXXX

Company response to consumer: Closed with explanation