vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: TX

Complaint narrative:
RE : Requesting a Method of Validation Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX - This information reported by this agency doesnt match the data on the previous report and has this listed as a new debt as of XX/XX/2020 which is also illegal. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX Please include all names and contact information of employees that you spoke to at XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,

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 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX three purchases were made on our PNC account at XXXX in the XXXX XXXX XXXX area. When these purchases were made on XXXX, XXXX, XXXX and posted to our account on XX/XX/XXXX in the amounts of {$29.00}, {$26.00} and {$36.00}, totaling {$92.00}. When we received an email from XXXX stating the purchases had been made we called the bank immediately. It is impossible for me to make purchases in the XXXX area and the XXXX XXXX   XXXX area on the same day within very close time frames. It also defies all logic that I would make three online purchases in the XXXX XXXX  XXXX area that would be delivered to addresses where I am not. This logic, coupled with the fact that we called the bank immediately is proof that we did not make these purchases. 

We were issued a provisional credit on XX/XX/XXXX XXXX for the full amount ( {$92.00} ) while the investigation was pending. On XX/XX/XXXX PNC Bank sent us a letter that we received on XX/XX/XXXX informing us that the investigation was complete, and they are removing the provisional credit to our account. The letter states that we are now responsible for the {$92.00}. We immediately phoned PNC and they are still removing the provisional credit ( taking our money ) while sending the dispute through to their dispute department again. I made several phone calls to PNC today ( XX/XX/XXXX ) and I am unable to speak with anyone regarding the details of the investigation that was conducted into these purchases on our account. I am unable to get the reasoning or findings in the investigation that were used to determine that we are responsible for the {$92.00}. Any assistance in the matter would be much appreciated. 

The reference number for the dispute is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/20 6 fraudulent deposits were made to my primary checking account. Each deposit was for an amount slightly over XXXXwith a cash back of XXXX. On XX/XX/20 and again on XX/XX/20 a total of 9 deposits of slightly over XXXX were made into my secondary checking account with the same XXXXcash back for each deposit. On XXXX the XXXX when we discovered this fraud we immediately called Chase banks fraud department and filed a report. We were told that our accounts would be frozen and the money that had been withdrawn would be put back into our account by XXXX the XXXX. On XXXX the XXXX our bank closed both accounts and took over XXXX from us. As of XX/XX/20 our bank has not returned our money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 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: NJ

Complaint narrative:
My bill with Capitol One was due XXXX - I sent up a payment arrangement online XX/XX/2020 for payment to be automatically taken out. Payment was never processed - I went to use my card and my card was not approved for payment. When I called on XX/XX/2020 I was advised this was due to my missed payment. After back and forth as I had set up a payment arrangement and fund were never processed, I was told all I had to pay was {$6.00} prior to XXXX and the services would be restored the following day by XXXX. I made the payment and expected my services to be restored XXXX XXXX on XX/XX/2020. I wet to use my card today XX/XX/2020 and again card was not approved. After calling capitol one yet again - I had to be transferred to a supervisor because previous rep ID # XXXX advised he could not see the notes taken during my previous call onXX/XX/2020 with the supervisor. Spoke with supervisor XXXX who advised there was nothing she could do, advised in order to have my services restored I would need to pay XXXX. I understood but reiterated I was advised to pay {$6.00} and not {$6.00}. I asked to have the hold lifted being that I was told incorrect information and its only XXXX. I again was advised there was nothing that could be done. So I requested to have the call pulled, even if the restriction could not be lifted to at least know that I was told incorrect information and to have their reps properly trained to avoid this type of miscommunication moving forward. I was advised No again. I was on this call for an hour and got no where. I have been a client with capitol one for 11 years and never missed a payment and to think I have to go through this over XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I originally tried to contact the credit bureaus by via mail, and some of my dispute have been ignored. There's medical debts and a vehicle that I never owned that has been place on my credit. 

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2020, XX/XX/2020, and XX/XX/2020. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.

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 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I received a collection notice from Optimum Outcomes, collecting for XXXX XXXX XXXX XXXX. a hospital bill. I NEVER received a bill from the hospital nor do I recall services provided on XX/XX/2020. 

This matter is being looked in to by a medical advocate for seniors, as well as re-investigating this with the original creditor. I am requesting time to look into this matter pursuant to the FAIR CREDIT REPORTING ACT and the FAIR CREDIT BILLING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I currently have an open complaint with your company against this bank, # XXXX. They have again changed information on how much I owe and submitted an time extension to you to resolve this problem. I am unable to pay this company without knowing how much I owe and whether this account is paid off. They have reported my account delinquent on my credit, causing my credit score to decrease 24 points. They reported twice within 2 days of each other that I was delinquent. However, The bank website shows {$0.00} past due amount and {$0.00} payment due. Copies of all these documents are attached. I have attempted to contact them and again was told that they agent could not change anything about credit reporting. I am now asking that they immediately make this correction on my credit report before it causes hardship to my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: OH

Complaint narrative:
I currently have an open complaint with your company against this bank, # XXXX. They have again changed information on how much I owe and submitted an time extension to you to resolve this problem. I am unable to pay this company without knowing how much I owe and whether this account is paid off. They have reported my account delinquent on my credit, causing my credit score to decrease 24 points. They reported twice within 2 days of each other that I was delinquent. However, The bank website shows {$0.00} past due amount and {$0.00} payment due. Copies of all these documents are attached. I have attempted to contact them and again was told that they agent could not change anything about credit reporting. I am now asking that they immediately make this correction on my credit report before it causes hardship to my finances.

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 2020-08-07 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: OH

Complaint narrative:
I currently have an open complaint with your company against this bank, # XXXX. They have again changed information on how much I owe and submitted an time extension to you to resolve this problem. I am unable to pay this company without knowing how much I owe and whether this account is paid off. They have reported my account delinquent on my credit, causing my credit score to decrease 24 points. They reported twice within 2 days of each other that I was delinquent. However, The bank website shows {$0.00} past due amount and {$0.00} payment due. Copies of all these documents are attached. I have attempted to contact them and again was told that they agent could not change anything about credit reporting. I am now asking that they immediately make this correction on my credit report before it causes hardship to my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: OH

Complaint narrative:
I currently have an open complaint with your company against this bank, # XXXX. They have again changed information on how much I owe and submitted an time extension to you to resolve this problem. I am unable to pay this company without knowing how much I owe and whether this account is paid off. They have reported my account delinquent on my credit, causing my credit score to decrease 24 points. They reported twice within 2 days of each other that I was delinquent. However, The bank website shows {$0.00} past due amount and {$0.00} payment due. Copies of all these documents are attached. I have attempted to contact them and again was told that they agent could not change anything about credit reporting. I am now asking that they immediately make this correction on my credit report before it causes hardship to my finances.

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 2020-08-07 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: CA

Complaint narrative:
i have sent dispute letters on XX/XX/2020, as of today date XX/XX/2020 i still have not received anything from the credit bureaus. i feel the time frame as been long enough to contact me with what im asking for.

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 2020-08-07 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: CA

Complaint narrative:
i have sent dispute letters on XX/XX/2020, as of today date XX/XX/2020 i still have not received anything from the credit bureaus. i feel the time frame as been long enough to contact me with what im asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
I was flagged as having a delinquent account with the XXXX XXXX XXXX XXXX for a joint credit card under another member, XXXX XXXX XXXX XXXX. This account was under his information and we were no longer in contact for over 4 years before the account was put into collections for non-payment. I was never contacted regarding outstanding payments for this account even though I have an account with the XXXX XXXX XXXX XXXX and had my email, phone, and living residences on file. 

I only found out about the delinquent account when I received an official credit report which showed the damaging effects that it had on my credit score when trying to purchase a home in late XXXX. Throughout the mortgage/loan process I reached out to the XXXX XXXX XXXX XXXX multiple times and they said that they would look into it and eventually someone at their call center said that the case was closed and the flag removed, that was in XXXX XXXX. I also followed up with the debt collector that the account was sent to and they also said that the issue was resolved. I checked back in XX/XX/XXXX and it still shows the delinquent account, it is still hindering my credit score from improving appropriately. 

I filed a dispute request through Transunion in XX/XX/XXXX and there was no change in the issue at hand so it said to go through this site for next steps. 

I'm looking to get this removed from my account, credit report, etc so that I can financially move forward without the damaging effects from another person continuing to hinder my credit.

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 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have attempted to setup accounts now on XXXX and XXXX investment accounts. These Institutions use XXXX services to manage money Transfers. My bank is PNC Bank. They have cancelled transfers using XXXX   transfer platforms. I CAN NOT ACCESS MY OWN FUNDS TO TRANSFER ELECTRONICLY WHICH IS LIMITING MY INVESTMENT OPTIONS. This is very frustrating. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have had a used vehicle loan with Ally Financial for a little over 3 years. The terms of my loan state that any amount that I wish to pay, over the minimum payment, will only apply directly to the principal if it's requested in writing. 
Since my very first payment, I've sent additional funds every month, clearly marked " apply excess to principal. ". 

I realized several months ago that they weren't applying the excess that way, and reached out to Ally. First I was told that I must " request it in writing '' to have excess applied that way, rather than the next payment. 

When I explained that it was marked that way, I eventually spoke to a " Supervisor '' who explained to me that it was their policy, not the loan terms, that allowed the application of additional funds, but they apologized and applied the current payment, at that time, to adjust the principal owed. 

However, all payments should have been re- amortized, as each and every " extra '' principal amount would have a domino affect on the percentage of the NEXT payment that should apply to the principle. 

Then it happened again - and I spoke to them about it again, via email. And it stopped for a little while. I sent 2 payments that were applied correctly, and it now appears that they've gone back to their " old tricks '', but even worse. 

I recently started sending them completely separate checks, marked " apply to principle only '' for a much larger amount, in addition to my overpayment of the scheduled loan. They are taking interest out of these separate payments, as well as not applying the additional payments correctly? They're essentially " double dipping '' monthly interest payments rather than applying the amount to principal. 

This is clearly a " predatory '' and intentional misunderstanding of their own policies ; that amounts to an undisclosed prepayment penalty on the loan.

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 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One has failed to refund XXXX in fees and interest from " late '' payments on purchases that were under dispute and ultimately refunded. Capital One has been asked to refund these numerous times, yet I have not received any personal contact from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I originally tried to contact the credit bureaus by via mail, and some of my dispute have been ignored. There's medical debts and a vehicle that I never owned that has been place on my credit. 

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2020, XX/XX/2020, and XX/XX/2020. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
My husband and I have been joint holders on a personal checking and savings account with this bank. Yesterday ( Thursday, XX/XX/XXXX ) I contacted their Customer service office because I could not get into my online baking. The account was locked and I asked them to reset it. They asked me a lot of questions to verify who I was. Then, the CSR advised me that she needed to speak with my husband to get permission for me to access the account. I am highly insulted and I feel this is a sexist and discriminatory practice. I am a joint holder on the account. I do all of the banking and handing of finances for our household. I spoke with another manger today and she essentially told me " it is what it is. '' This is discrimination. Why do I need my husband 's permission to access a joint bank account? This is insulting and degrading.

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