vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly tha I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX, XXXX, N/A, N/A, N/A, N/A, N/A, N/A, N/A, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Original Creditor : XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: WI

Complaint narrative:
im trying to link my bank account with another financial app and my bank is telling me that they can not link accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$150.00} XXXX {$110000.00} XXXX {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$150.00} XXXX {$110000.00} XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Every time I pay my Macys credit card bill in full I get charged a {$2.00} fee the next month. Before I knew about this shady financial practice I would ignore my Macys bill because I knew I had paid it in full previously but then that {$2.00} fee doubled and endured late fees and even went to collections. Several others are complaining about the same issue. I feel this is a fraud and possibly even worthy of a class action lawsuit. I would like all of the fees and late charges ever charged to my credit card after it had been paid in full to be reversed. Please look into this issue. It is not right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the US DEPT ED/XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Today XX/XX/2020 I tried to transfer my PayPal balance to my checking account to pay bills. I do not have a Cell Telephone because I am poor. PayPal Inc. refuses to allow me to gain access to my money because I have no Cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TX

Complaint narrative:
There is a collection account on my TransUnion credit report that is with XXXX  # # XXXX opened XX/XX/2015 reflecting a balance of {$2400.00}, this is not correct. I had only 2 accounts with XXXX  # XXXX and # XXXX which has {$0.00} balance and paid as agreed. This outstanding account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: AR

Complaint narrative:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from 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 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, N/A, N/A, N/A, N/A, N/A, N/A, N/A, XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Original Creditor : XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, N/A, N/A, N/A, N/A, N/A, N/A, N/A, XXXX XXXX XXXX, XXXX  , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Original Creditor : XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the US DEPT ED/XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: NC

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the US DEPT ED/XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2020, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/2020, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! 

I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! 

Well - as of XX/XX/2020 - 60 days would have been XX/XX/2020 or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!!

SOOOOOO Done ....

If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... 

Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. 

I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - not by paper check - to an account I designate, within 3 days of receipt of this complaint. PERIOD..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: KS

Complaint narrative:
On XX/XX/2020, I contact EOS-CCA regarding a XXXX bill that been placed with them for collections. I advised them when I went in for service the XXXX rep started 5 accounts without my consent.

Further, I advised them I contacted XXXX corporate that day and reported the fraud. Subsequently, I have spoken with an attorney who has affirmed I have a case against XXXX XXXX and am in the process of filing litigation against them now. 

I contacted EOS-CCA because while I could end up profiting greatly from this, I wanted to avoid litigation and decided to propose a settlement offer of {$150.00} and I would then agree to waive my rights to file suit against XXXX XXXX for an issue they are clearly liable for. 

Instead of taking my proposal to their client, an " XXXX '' who was completely aggressive and confrontational refused to ( and a copy of the audio recording I made of the call is attached XXXX to corroborate this. 

I have spoken with an attorney that has conferred by denying to act as the " agent '' that has a duty under " agency relationships '' the collector " XXXX  '' decided to act out of her own emotion and nefarious intents instead. Subsequently, this constitutes tortious interference with a business relationship and I have been advised by my attorney that because suits based on agency relationships do not fall under the purview of the Fair Debt Collections Act and are based on agency law instead that I do have a claim of action. In addition to damages for violation of the FDCPA, violation of The Brady Decision, the Intentional Infliction of Emotional Distress, as well as punitive damages.

I wanted to advise the CFPB of this because this is an example of the worst kind of collection practices that merit an audit by federal regulator officials into the conduct of this agency. 

I am pursuing a lawsuit against EOS-CCA currently. 

It's important to note, that EOS-CCA 's actions not only are a violation of collections law and agency relationship. They are directly responsible for preventing their client from exercising their legal rights in civil suits to mitigate their damages. 

Further, I would contend they have a duty under a civil-action theory to attempt to prevent their client from getting sued ( which they learned about during the dispute in the phone call but intentionally blocked from being presented to their client regardless of the validity of the legal claim held by me against their client, while in the same breath telling me I can not call their client because they represent them. What a bunch of XXXX XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: AP

Complaint narrative:
I was listed as a buyer on a car loan Contract that I did not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Financial LLC
State: PA

Complaint narrative:
Loan until payday so unreasonable with my loan nothing but rude and make excuses

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I got my credit report, I disputed FRAUDULENT accounts from my report. I was FALSELY accused of using a credit repair company, I HAVE NEVER USED A CREDIT REPAIR COMPANY. I received notice as if I'm incapable of submitting a dispute and an affidavit on my behalf. I demand a response within 10 days. If I don't have a response in 10 days, I will be filing a complaint with the Office of the Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: GA

Complaint narrative:
I got my credit report, I disputed FRAUDULENT accounts from my report. I was FALSELY accused of using a credit repair company, I HAVE NEVER USED A CREDIT REPAIR COMPANY. I received notice as if I'm incapable of submitting a dispute and an affidavit on my behalf. I demand a response within 10 days. If I don't have a response in 10 days, I will be filing a complaint with the Office of the Attorney General.

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