vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc has terminated connection with XXXX XXXX to try and force me to use XXXX a different virtual bank. 

I have been using XXXX XXXX for over a year and this discriminatory practice by my bank is unacceptable and came without any notice. 

I contacted my bank and they informed me there was no issues and to take it up with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Pavilion Payments US BuyerCo, LLC
State: CA

Complaint narrative:
I did request a short term advance through Global Payments System at XXXX XXXX XXXX, however they never disclosed that they can report to the credit bureaus nor provided a timeline to pay before their company will submit as a collection to the credit bureau. I have never received any paperwork in writing USPS postal mail or via email nor text. I offered to pay in full the total amount of {$770.00}, mailed the cashiers check last year I believe on XX/XX/2019 with the request to delete from my credit file, but they contacted me by phone and refused my payment then sent it back to me via USPS postal mail. I need help in resolving this issue, because when I was at the casino none of their collection process was indicated at all and how can they report to the credit bureau without disclosing their collection practices? Global Payments telephone number is XXXX. Also, they have listed 2 different account numbers on my credit file for the same account when I requested two different amounts. 2 separate cash advances one for {$300.00} & {$400.00} ; but totals {$750.00} because they may be charging {$35.00} for each transaction as well. They do not disclose any information whatsoever regarding their collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: MS

Complaint narrative:
According to XXXX, Equifax and XXXX they have verified that 'alledged account XXXX XXXX XXXX XXXX XXXX and it has a balance of XXXX. This account was sold to the collection agency XXXX, therefore how can it report a balance. I have disputed this account with the bureaus several times and they continue to report this inaccurate information.. 

Furthermore, I disputed this account with the collection agency as well. According to the FCBA and FACTA 312, and the FDCPA, the collection agency and or original creditor must be able to produce 1. complete payment history of the alleged amount/ verification line by line 2. date of last payment 3. charge off date 4. Contract/Agreement with signature 5. proof of photo identification 6. letter of sale or assignment from the seller/original creditor agreements states that debt are sold as is. ( the seller of the debt disclaims all representations and warranties regarding the accuracy of information they provide about individual debts. 

XXXX failed to provide this information, instead they sent an itemized bill and stated that they did NOT have a signature on file. This does not constitute validation and this information needs to be deleted off my credit report. 

Failure to delete this information will result in a lawsuit and a complaint with my state attorney general for failing to adhere to the FCRA, FDCPA, FCBA, and FACTA 312

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: MS

Complaint narrative:
According to XXXX, XXXX  and Experian they have verified that 'alledged account XXXX XXXX XXXX XXXX XXXX and it has a balance of XXXX. This account was sold to the collection agency XXXX, therefore how can it report a balance. I have disputed this account with the bureaus several times and they continue to report this inaccurate information.. 

Furthermore, I disputed this account with the collection agency as well. According to the FCBA and FACTA 312, and the FDCPA, the collection agency and or original creditor must be able to produce 1. complete payment history of the alleged amount/ verification line by line 2. date of last payment 3. charge off date 4. Contract/Agreement with signature 5. proof of photo identification 6. letter of sale or assignment from the seller/original creditor agreements states that debt are sold as is. ( the seller of the debt disclaims all representations and warranties regarding the accuracy of information they provide about individual debts. 

XXXX failed to provide this information, instead they sent an itemized bill and stated that they did NOT have a signature on file. This does not constitute validation and this information needs to be deleted off my credit report. 

Failure to delete this information will result in a lawsuit and a complaint with my state attorney general for failing to adhere to the FCRA, FDCPA, FCBA, and FACTA 312

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 2020-04-25 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: ProCollect, Inc.
State: MS

Complaint narrative:
I am unaware of any collection amount of XXXX from XXXX XXXX XXXX. I have never lived at this address. 

According to the FCBA & FACTA 312, i would like for them to send me 1.A COMPLETE PAYMENT HISTORY of the alleged amount ( verification line by line ) 2. DATE OF LAST PAYMENT 3. CHARGE OFF DATE 4. CONTRACT/AGREEMENT with signature 5. PROOF OF PHOTO IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR I would like for the COLLECTION AGENCY PRO-COLLECT to send me 1. COMPLETE PAYMENT HISTORY of the alleged amount ( verification line by line 2. DATE of LAST PAYMENT 3. CHARGE OFF DATE 4. CONTRACT /AGREEMENT WITH SIGNATURE 5. PROOF OF PHOTO IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR THE INFORMATION PROVIDED FROM PRO-COLLECT DOES NOT CONSTITUTE PROPER VALIDATION

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 2020-04-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: LA

Complaint narrative:
I applied for unemployment around XXXX and I finally got approved unemployment sent out my info to usbankreliacard and my payments are on the card but I never recieved a card its been a month or so I should have received card before I got the payments now I been cut from work due to the virus and I need this help when you call ReliaCard they keep you on hold for hours and never answer Ive tried for 2 weeks everyday all day and unemployment say they cant help me its on relia card how will I ever get my money

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 2020-04-25 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: ME

Complaint narrative:
Letter dated XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding Personal, Secured Loan from XXXX that was Paid, Closed, NEVER LATE- the 3 Agencies had Reported incorrectly with showing Late Payment. 
Submitted the Letter from XXXX XXXX XXXX XXXX dated XXXX XX/XX/XXXX to all 3 Credit Reporting Agencies and ONLY XXXX  corrected the information to report properly ... TransUnion and XXXX  now have Reported as 2 Late Payments, and showing as NEGATIVE Account ... 
Both TransUnion and XXXX  make obtaining Report OnLine impossible. 
TransUnion asks what County I lived in 23 Years ago- yet can't report correctly information from a letter sent to them 6 months ago. And XXXX  was breached, and I have no assurances that they should have my personal information- but they could at least update the Correct Information when provided to them- and it should NOT take over 6 Months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I used my citi bank Master Card on the XXXX of this month to buy new Tires for my car XXXX it was paid by citi bank ... I get an email from citi bank saying my account has been closed as of the XXXX. I called today on the XXXX and spoke to Supervisor she told me my account is closed and I cant do anything about it she wants me to pull my credit again ( I asked why did the charge go through used it so it cant be cancelled ). I feel am being discriminated because of having good credit citi does not want to respect that I already used the card .... They should open my account without having to pull 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 2020-04-25 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: FL

Complaint narrative:
I disputed a negative impact on my credit report with experian. The comapny was XXXX XXXX  who is an ambulance provider. The original debt is a little over {$2000.00} and with the interest they have charged me its over {$4000.00}. I offered them {$1000.00} all I had with no job and moving across the country along with the covid 19 going on. They refused the amount I had to offer. This account is 6 yrs old. Experian did not do much to get it off. It is still 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 2020-04-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
* I received an email ( on XX/XX/XXXX ) from CitiBank that my account is closed due to 'Inactive for continuous 24 months as per the card agreement. ' * Last transaction was on XX/XX/XXXX ( {$75.00} XXXX and last payment activity was on XX/XX/XXXX ( 16 month ago ), less than 24 month per the card agreement but yet, CitiBank closed the account. CLEARLY, THERE'S A BIG GAP BETWEEN 24 MONTH AND 16 MONTH. 


XXXX CITIBANK ALSO FAILED TO PROVIDE NOTIFICATION/COMMUNICATION AND FAILED TO REACH OUT TO CUSTOMER PRIOR WRONGFUL ACCOUNT CLOSURE ( EVEN IF INACTIVITY DID NOT PASS 24 MONTH ) * Spoke ( XX/XX/XXXX ) to customer service ( XXXX ) ( XXXX ), could not assist, unprofessional, need additional coaching and training. I asked XXXX and XXXX, why Citibank closed my account although inactivity did not pass 24 month, neither could answer, but stated that Citibank has right to do so. I also asked XXXX to provide any communication sent out to me regarding account inactivity prior account was closed, but XXXX could not provide any proof. This is clearly a ABUSIVE BUSINESS PRACTICE of major bank where INTENTIONAL ACTION can be justified all the times, as if their right is being honored for any given situation and customers right 's are ignored, especially when America is going through COVID19 situation. I am sure that Citibank 's response will state that Citibank closed my account due to inactivity, stated in customer agreement, but fail to address the fact that regardless of inactivity going on for less than 24 month, Citibank closed my account anyhow. 


* In order to reopen the account, Citibank will pull my credit XXXX hard inquire as if I'm applying for new credit card ) and process. 


XXXX Citibank should not have closed my account since inactivity did not even come close to 24 month. 


XXXX The question is simple, on my account, did inactivity occurred passing, more than 24 month? If not, why did Citibank closed my account? Citibank should reopen my account per error made by Citibank. Wrongful account closure. I expect to see reasonable explanation from Citibank, rather than saying account was closed due to inactivity. Consumer Financial Protection Bureau should be actively involved in this case, asking Citibank a very question of why Citibank closed my account even if inactivity did not pass 24 month.

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 2020-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
1. On XX/XX/XXXX, ( aprox ) 2020 They ( " afni '' XXXX call me to tell me that I have a debt of {$57.00} whit cell company. XXXX XXXX XXXX I told them that I DON'T HAVE ANY SERVICE WITH THIS CELL COMPANY. 


2.They ( " afni '' ) still are trying to talk with me by phone, but I never answer they callings. 

3. On XX/XX/2020 I received a Collection Notice letter from " afni ''. 

I call to XXXX to ask them about this Notice, They ( XXXX  ) don't know nothing about that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This is not my Debt and I'm falsely accused of debt on my social security credit report. 
XX/XX/2020 ( 1 mo ) {$340.00} and another one for {$310.00} Original Creditor Name XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Someone named XXXX called and told me she was from Chase Bank and they had noticed suspicious activity on my account from my debit card. She talked to me for a while, and knew my debit card number, address, etc, she told the information to me, she did not ask me to give the information, just the way Chase has done in the past when I have called them for something. 
The charges were to XXXX in Florida there were around 22 debits for {$100.00} each transaction. XXXX said that XXXX XXXX  would bring me a new card by XXXX the following morning, and that they were going to try to catch the people using the card, and they would freeze my accounts. She kept telling me not to worry. I believed her. I checked my checking account a couple of hours later, and saw that there had been no hold put on my account, so I put a lock on it. I had around {$900.00} The next day, XXXX XXXX did not come, and I decided to call XXXX at the number she had called me from. The man that answered said that it is XXXX XXXX. I told him that XXXX had called me from the number that I called and he said she wasn't in. I asked if she works there, and he would never say. I asked what affiliation they have with Chase, and he assured me there is no affiliation. I asked why XXXX XXXX would have my checking and Debit information, and he said he knew of no reason why. 
I called Chase after I hung up, and they didn't know anything about my debit card being illegally used the day before and that there was no record of a XXXX calling me. They told me it would take 10 days. 
All of this happened while the whole country is in lock down, and there is no possible way that I was in Florida when this happened. 
Today, XX/XX/2020, I received communication from Chase through online letter held at the bank, that they have put my account back like it was, but that I can not access the {$900.00} for my bills or any other reason, I have attached the communication, they said that my account is closed and I can not get the direct deposits of Supplemental Security Income checks that the joint owner of the accounts, has coming in every month. My house payment is automatically paid every month through that account, and it won't be paid either. They don't say anything about opening a new account. What am I supposed to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I sent a dispute letter on the reporting on certain accounts. They are reporting inaccurately and reporting one account that does not belong to me nor they can verify. This has been an ongoing issue for the past couple months and they keep saying its verified without giving me proper documentation and reporting inaccurately. There is regional acceptance auto loan they kept saying verified with no documentation, XXXX XXXX that I do not own and reporting inaccurate, inquiries that I mentioned that werent authorized at all and they could not provide and proof of documentation. Medical bill thats being report with an unknown source no name to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: ME

Complaint narrative:
Letter dated XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding Personal, Secured Loan from XXXX that was Paid, Closed, NEVER LATE- the 3 Agencies had Reported incorrectly with showing Late Payment. 
Submitted the Letter from XXXX XXXX XXXX XXXX dated XXXX XX/XX/XXXX to all 3 Credit Reporting Agencies and ONLY XXXX corrected the information to report properly ... XXXX and Equifax now have Reported as 2 Late Payments, and showing as NEGATIVE Account ... 
Both XXXX and Equifax make obtaining Report OnLine impossible. 
XXXX  asks what County I lived in 23 Years ago- yet can't report correctly information from a letter sent to them 6 months ago. And Equifax was breached, and I have no assurances that they should have my personal information- but they could at least update the Correct Information when provided to them- and it should NOT take over 6 Months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: OH

Complaint narrative:
This is my 3rd time disputing these address on my credit file. I have never lived in XXXX XXXX  in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX XXXX XXXX SS XXXX my only address should be XXXX XXXX XXXX  XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2020-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: WA

Complaint narrative:
I've repeatedly asked ACS Student Loans for copies of my payments and payment history when the company was being sold. I believe they over charged me interest and mislead me with payment options. I was trying to collect the information and while it was easily obtainable on the site as soon as they sold my loan to XXXX XXXX, the information was no longer available and I was unable to collect any of it. I've been paying on this loan for over ten years and now it's bounced from ACS to XXXX XXXX, to XXXX while not transferring my payment history. The amount of money I've sent to these companies in return for poor customer service and now getting my loan bounced around is embarrassing. Additionally I'm now ineligible for zero interest through the CARES Act. I need access to my past payment history and all interest charges to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Since I have opened my PayPal Extras Mastercard account, I am told I am accumulating points that expire after 24 months, and I am seeing these points expire month after month after month without the ability to redeem them on their online site. I know that I am paying a premium in my finance charges for this feature, but am not able to access the points I am eligible for and the company continues to expire them. I have asked for all my expired points to be reinstated and for me to be able to redeem my current points. I realize with the COVID situation, it's hard to talk to someone, but Synchrony Bank inherently makes it difficult to raise the issues through their automated question service, then it goes offshore to people who don't understand the issue. I find this practice VERY deceptive of offering points, then expiring them, and not letting you redeem them- this has been going on for a VERY long time, so I would like to claim my benefit.

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 monetary relief