vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
In XXXX of 2019, I mailed Equifax disputing an inaccurate account on my credit report from XXXX XXXX XXXX Equifax opened the dispute on XX/XX/2019, according to their website. Since then, this account has stayed under dispute. It has not been corrected, updated, or deleted from my credit report in 162 days. Equifax was supposed to resolve this within 30 days, so this has taken 132 days more than is legally allowed and the issue has still not been resolved. 

I have sent Equifax additional disputes in the mail regarding this account after I did not get a response, and Equifax responded each time by saying the account was already being investigated. After that, I contacted Equifax by phone and was routed to their call center in which the representatives have a foreign accent and are not capable of understanding any issues outside their script. I explained to them exactly what was going on and they kept saying that it will remain under investigation and that nothing could be done. They either did not understand or they did not have any authority to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
ftc violations 

XXXX XXXX XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCE CORPORATION
State: FL

Complaint narrative:
XX/XX/2020 {$6500.00} Paid account in full on XX/XX/2020 which has cleared my account. 

I emailed the branch manager, XXXX XXXX, to request the contract paperwork showing paid in full and my title. Due to my having to get an attorney in the prior year when they were adding charges fictitiously. Either way, I called the branch this morning at the direction of the branch manager and was told she was in a meeting. When I advised them that she just told me to call her, the guy cussed and said he didn't have to explain anything to me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
ftc violations 

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 2020-06-01 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: TX

Complaint narrative:
ftc violations 

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 2020-06-01 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: PNC Bank N.A.
State: IL

Complaint narrative:
I'm trying to make a donation through checking account, in order to maximize my donation and not spend any money on processing credit card fees, and they use XXXX for that. It simply states the bank ( PNC ) is " experiencing connectivity issues ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: PA

Complaint narrative:
On XX/XX/2020, a debit in the amount of - {$490.00} was posted from a XXXX 's transaction on my Netspend Visa Pre-Paid Card. 

However, after the transaction was declined, canceled by the store, and no Transaction # or Authorization # issues for that amount the {$490.00} was never restored to the account. 

I've sent multiple documentation to Netspend including the receipt showing the Transaction # and Authorization under the XXXX Mastercard the {$490.00} purchase was ultimately approved. 

I made multiple calls to Netspend supervisors and senior management. I was last told that on the XX/XX/2020 an update will be provided. 13 business days after the dispute was filed with Netspend. There Disclosure clearly states 10 business days for all resolutions. 

I have worked diligently with XXXX 's to address the heart of the matter. There is no question this is an error on Netspend 's part, and at the very least should be provided with credit ( temporary or permanent ) by no later than XX/XX/2020. I was not assured that a credit would be issued ; despite the fact, the account continues to be in negative balance and accruing fees. 

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 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/XXXX I paid my synchrony bank credit card off in it's entirety in an over-the-phone payment. {$2100.00} was taken directly from my checking account that day. The customer service representative then acknowledged it wasn't my fault that my account was past due, and she was going to refund my checking account the {$270.00} over payment ( {$16.00} interest/ {$250.00} late fees ) that shouldn't have ever been tacked on in the first place, the only reason I never made a payment is because they told me I would have no payment due until I received every piece of furniture from that order, which I did not, no statement or account information ever came to my address on file. I had to reach out to them to get my account information and pay my balance. 

About 2 weeks later in early XXXX I received a letter in the mail from Synchrony Bank stating my account had a {$0.00} balance. ( I had requested this letter for XXXX XXXX XXXX XXXX to do a rapid rescore on my credit so I could purchase a home for my family ) On XX/XX/XXXX my Synchrony account was re-charged the difference amount of {$1800.00}. Instead of refunding my personal checking account the {$270.00} as promised, the representative recharged the credit card the difference even though I already paid it completely off. 

My wife and I have both talked to countless reps and supervisors from Synchrony, all of which are no help. They apologize and send it to investigations promising that it will be cleared up, but it never is. Each time we call back they have NO recollection of who we are or what the problem is.It 's now been nearly 5 months, my synchrony account is showing delinquent on my credit report, my score has dropped a HUNDRED POINTS due to this mess. It ruined our ability to buy a home for our children. We both spend hours and hours trying to call and resolve this, we have faxed in our bank statements PROVING the {$2100.00} left our checking account and never returned, we have sent registered mail, they REFUSE to help us. 

PLEASE help us get the {$1800.00} fraudulent, erroneous charge + any fees they may tack on removed from this Synchrony account and get our {$270.00} in fees and interest returned to our checking as promised, and make them fix my credit score they single-handedly ruined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
XX/XX/XXXX AAFES was paid in full through filing their credit card as a federal account and paid their debt through my tax return of XXXX. All debts were paid. A year later XX/XX/XXXX they report that i have an collection account with XXXX  balance starting in XX/XX/XXXX. When i called aafes numerous times and ask them if I had an open account and they confirmed it's been closed since XX/XX/XXXX and it's fully paid and no money owed. I have sent their collection company correspondence in regards to fixing this error they made on my credit report and they still have not fixed this issue and I need assistance into pushing this issue to getting resolve as I'm in the process of getting home for my family and this false information popped as a current collection and that isn't correct. it's affecting my health and my family sustainability.

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 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX was paid in full through filing their credit card as a federal account and paid their debt through my tax return of XXXX. All debts were paid. A year later XX/XX/XXXX they report that i have an collection account with zero balance starting in XX/XX/XXXX. When i called aafes numerous times and ask them if I had an open account and they confirmed it's been closed since XX/XX/XXXX and it's fully paid and no money owed. I have sent their collection company correspondence in regards to fixing this error they made on my credit report and they still have not fixed this issue and I need assistance into pushing this issue to getting resolve as I'm in the process of getting home for my family and this false information popped as a current collection and that isn't correct. it's affecting my health and my family sustainability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been trying to resolved a late payment being reported by Capital One. I been a card holder since XX/XX/2019. Each month I have had issues trying to pay my balance via capital one website. I still do not have proper access to my account via their website. Therefore I can't used my card and can't review my statement or balance.Sometime everything went through, but most time I was left to call them to process my payment. They begin to add late payment to my credit report unless I setup auto draft. 
This is the only thing effecting my credit and denied my access to purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
% % % % % My name is XXXX XXXX XXXX. I have been trying to fix incorrect information in my credit report but i seen like never working. I spot that all of addresses and employment information that are incorrect and belong to me. These information make a really bad effect to my credit report and also our association. we are in a harvest time with the outbreak and really need a support to uplift all my affords in the last 15 years. Here are the addresses and employment information : % % % % % % % % % % % ADDRESSES REPORTED XXXX XXXX XXXX XXXX, IN XXXX!!!!! 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & & & & & & & & & & & & & & & & XXXX XXXX XXXX XXXX XXXX, IL XXXX $ $ $ $ $ $ $ $ $ $ $ EMPLOYMENT INFO : 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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
% % % % % My name is XXXX XXXX XXXX. I have been trying to fix incorrect information in my credit report but i seen like never working. I spot that all of addresses and employment information that are incorrect and belong to me. These information make a really bad effect to my credit report and also our association. we are in a harvest time with the outbreak and really need a support to uplift all my affords in the last 15 years. Here are the addresses and employment information : % % % % % % % % % % % ADDRESSES REPORTED XXXX XXXX XXXX XXXX, IN XXXX!!!!! 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & & & & & & & & & & & & & & & & XXXX XXXX XXXX XXXX XXXX, IL XXXX $ $ $ $ $ $ $ $ $ $ $ EMPLOYMENT INFO : XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
At the end of my lease, I received an invoice for over {$1000.00} approximately 6 days before the " due date '' shown on the document charging me excess wear. The car was in pristine condition. No support detailing the purported " excess wear '' was provided. I asked for additional information and after four attempts a service rep directed me to a third party report which included blurry and unintelligible photos of supposed wear with minimal notes. The notes I could read were in direct contradiction to the lease agreement 's definition of excess wear. I tried on several occasions to challenge the assessments and the agents would not even explain to me how to formally appeal the determinations. Just another example of a leasing company trying to take advantage of their customers by submitting invoices with no evidence or description and with almost no lead time before payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: IL

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX/XXXX  XXXX wrong status PUBLIC FILINGS BANKRUPTCY : DISCHARGED CH-XXXX  XXXX inaccurate Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2020 I sold a XXXX XXXX Lighter on PayPal ( Item  # XXXX ). PayPal states the sale Total as {$9.00}. 
2.9 % Commission plus XXXX cents is XXXX cents. PayPal charged XXXX cents. 
Upon calling PayPal at their number XXXX there is no Customer Service Employees Working due to the XXXX Virus ; not from their houses, not from their bedrooms. They then disconnect me. 
PayPal Inc. Attorney XXXX XXXX never answers his telephone at ( XXXX ) XXXX ; it is unknown where he is working from. 
They have a new " Resolution Center '' on their website, but it is inferior and as soon as PayPal is noted as the one in Error, the PayPal Inc. Resolution Center sas " there is no problem to resolve '', and disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank keeps blocking access to connect my bank account to mobile apps. This is very frustrating as these are valid, safe, financial apps that I need to use to help manage my money and obtain loans and other money services. 

PNC Bank keeps blocking access to connect my checking account to these apps due to security purposes ( which I understand ) but this is our choice and our decision to use these apps on our phones. 

I called PNC Bank and they explained how its part of their security processes but they need to have an option available to where we can contact them and say - " Hey, this app is safe and it is my decision to allow my checking account to connect to this app ''!! 

Quit block access to use these apps on our phones. This is very frustrating as I need to have this option available to me. If you continue to block app access to connect my checking account, I will be forced to close my accounts with PNC Bank and take my business elsewhere to a bank that will allow this. 

My apps that I use include - XXXX and XXXX - which I have had connected to my bank account for sometime now. I then changed my password to online access with PNC Bank and it disconnected these apps. So when I go to reconnect the apps and connect PNC Bank account using the new password, it keeps saying that - " PNC Bank has made a change that prevents you from being able to link your accounts ''. 

PNC Bank, Quit Doing This!!!!! Please give us access to allow these apps to connet to our accounts if we choose to have this happen. Give us the option to allow or block certain apps. 

I have contacted these app companies directly to see if there is a way to manually connect my checking account using the routing and account number and the only way to do it is by linking directly with no options to connect manually. 

I will continue to complain and voice my concerns over this because this should be the customer 's decision, not the banks. 

STOP BLOCKING ACCESS TO APPS!! I am so frustrated with this. I have money that is transferred from these apps to my checking account and these apps automatically hit my account for payments to pay them back for these advances and loans that I get with them. If you constantly block them, I have no way to pay these loans or advances back. 

STOP DOING THIS PNC BANK!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, I opened a dispute with Citibank credit card, the dispute number XXXX for the amount of {$1000.00}. The credit is no longer investigating this dispute as they said that their are satisfied with the results on their end. 

Here is a timeline : On XX/XX/XXXX, I started inquiring about 3 rooms for my trip. I had advised the hotel that I will enter the country through a cruise ship that will dock on XX/XX/XXXX at XXXX XXXX. I will check out on XX/XX/XXXX to catch my flight home. 

On XX/XX/XXXX, I proceed to book the 3 rooms with them. My confirmation numbers are XXXX and XXXX. The third room was booked by our friend under her card separately. Everything was officially confirmed on XX/XX/XXXX. 

On XX/XX/XXXX, 9 days later I started to contact the hotel requesting to cancel the rooms due to the breakout of the COVID - 19. My family members and children traveling with me were not comfortable in going to XXXX because of the virus. The hotel refused to cancel and refund the money. They had advised that XXXX was still open and will continue to be fully operating in XXXX. I have reached out to the hotel from XX/XX/XXXX through XX/XX/XXXX asking them to cancel, which they refused to. They did offer to reschedule for a later date, however, as the virus became a global pandemic and is not safe to travel at this time. 

I have also contacted the cruise line on XX/XX/XXXX to cancel the cruise and airline tickets. As you can see it was a large group of us traveling. They were very understanding and agreed to cancel the trip. I have also attached the cancellations from the cruise line so that you can see the trip was cancel in full. 

Again I have reached out on XX/XX/XXXX asking them to cancel and refund and again they refused to. I have explained to them again that New York is still on lockdown and I am not sure when we will be reopening. I have explained that the cruise and airline tickets have all been canceled and I can not travel at all. I have told them a few members that were traveling with me have been tested positive for the virus and are slowly recuperating. 

I have had this trip planned since XXXX, believe me, if I could I would love to go but with the situation with the world right now it is not safe and I refuse to put my family and children 's health at risk. 

Please review and advise if you need any further documents or information. 

Please help to reverse this charge. 

Best regards, XXXX XXXX Attachments Displaying CITIBANK.pdf.

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
There are 8 inquiries on my report from XX/XX/XXXX to XX/XX/XXXX that are i am not familiar with. I havent opened or tried to open a credit card since my XXXX back in XXXX  XXXX there are many inqs that need to be investigated for fraud. i have tried to contact these companies before to no avail.

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