vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, operates and offers the XXXX XXXX secured visa credit card. I had an account with their XXXX secured credit card that was cancelled by the company and the outstanding balance was charged off. I have not been contacted by the company at any point and they have made no attempt to make me aware of this, nor has the company tried to collect the charge-off debt. It has been sitting on my account for years, unknown to me until very recently. The entire time, it has been pulling down my credit score. 

I have tried to issue a payment to the company, but have been unable to do so. The company lists a phone number, but the phone number brings the caller to an automated system that does not allow you to do anything whatsoever unless you enter your XXXX account number, which I do not have ( because I no longer have an account ). I can not reset an account. There is no way to get in touch with a human or make a payment over the phone. There is no email contact information for the company. There is the option to mail the company, which I have done several times. Once on XX/XX/XXXX, once on XX/XX/XXXX, once on XX/XX/XXXX, and once again on XX/XX/XXXX. I have never received a response from the company. 

I have disputed this account with the credit agencies, explaining that I am attempting to make a payment and the creditor is unable or unwilling to accept the payment ( because they are unreachable and unresponsive ). The agencies are give back generic responses that the creditor has confirmed the account information is accurate. This doesn't matter, my complaint is not that the information about the debt is inaccurate - my complaint is that I am trying to make a payment and the creditor is entirely unreachable. They are literally impossible to pay. I am *trying* to give them my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, operates and offers the XXXX XXXX secured visa credit card. I had an account with their XXXX secured credit card that was cancelled by the company and the outstanding balance was charged off. I have not been contacted by the company at any point and they have made no attempt to make me aware of this, nor has the company tried to collect the charge-off debt. It has been sitting on my account for years, unknown to me until very recently. The entire time, it has been pulling down my credit score. 

I have tried to issue a payment to the company, but have been unable to do so. The company lists a phone number, but the phone number brings the caller to an automated system that does not allow you to do anything whatsoever unless you enter your XXXX account number, which I do not have ( because I no longer have an account ). I can not reset an account. There is no way to get in touch with a human or make a payment over the phone. There is no email contact information for the company. There is the option to mail the company, which I have done several times. Once on XX/XX/XXXX, once on XX/XX/XXXX, once on XX/XX/XXXX, and once again on XX/XX/XXXX. I have never received a response from the company. 

I have disputed this account with the credit agencies, explaining that I am attempting to make a payment and the creditor is unable or unwilling to accept the payment ( because they are unreachable and unresponsive ). The agencies are give back generic responses that the creditor has confirmed the account information is accurate. This doesn't matter, my complaint is not that the information about the debt is inaccurate - my complaint is that I am trying to make a payment and the creditor is entirely unreachable. They are literally impossible to pay. I am *trying* to give them 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 2021-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: WV

Complaint narrative:
We received a {$500.00} prepaid netspend card as a gift. This card is asking for a copy of ID, a current bill and SSN to prove identity. This is not how this card is advertised. It is clearly a way for them to hold on to money. They are affiliated with XXXX and XXXX, both places have absolutely nothing to say about them. I called XXXX  they said they can't do anything at all. If you call one of the numbers they have for customer service ( not the one the card - XXXX ) and try to leave a message it hangs up on you. You can easily get ahold of someone at any hour to purchase a brand new one of these cards but to get in contact with customer service you must wait for their business hours of XXXX to XXXX ... I don't think all this could make it anymore suspicious or obvious what this company is in it for. I can't imagine anyone wants to give very personal information and documents to a company with VERY low reviews.

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 2021-06-26 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: MA

Complaint narrative:
On XX/XX/2021 I made a payment of {$750.00} to XXXX XXXX XXXX for a debt they acquired from XXXX. The original amount of the debt was {$3800.00}. 
Until today, the amount of debt shown is still {$3800.00} with {$0.00} payments. 
I disputed this with Experian and they concluded that XXXX XXXX was accurate. I then disputed again with a picture of the payment from my bank account to them and they just emailed me letting me know that XXXX XXXX XXXX has certified that the information they have is accurate and they will not change anything on my credit report. 
I will upload a picture of the payment and the decision from Experian. 
Im writing to you in hopes that neither one of these companies is able to get away with something like this. 
Thank you

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 2021-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Did not inform me i could dispute the validity of this account reporting on 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 2021-06-26 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: TX

Complaint narrative:
XXXX Experian : XXXX XXXX : XXXX open dates dont match up XXXX XXXX Experian : XXXX XXXX : XXXX open dates dont match up XXXX XXXX Experian : XXXX XXXX : XXXX open dates dont match up I have attached screenshots taking with the account numbers posted by them i have also attempted to dispute with creditors and furnishers they never sent proof showing the accurate information they clearly have two different open dates which is a mistake by law it must be removed. XXXX removed the account but XXXX and experian verified it which doesnt make any sense at all.

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 2021-06-26 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: TX

Complaint narrative:
XXXX XXXX : XXXX Transunion XXXX XXXX open dates dont match up XXXX XXXX XXXX : XXXX Transunion : XXXX open dates dont match up XXXX XXXX XXXX : XXXX Transunion : XXXX open dates dont match up I have attached screenshots taking with the account numbers posted by them i have also attempted to dispute with creditors and furnishers they never sent proof showing the accurate information they clearly have two different open dates which is a mistake by law it must be removed. XXXX removed the account but transunion and XXXX verified it which doesnt make any sense at all.

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 2021-06-26 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: OH

Complaint narrative:
In XX/XX/XXXX, my bank froze my accounts. There was a positive balance of {$23000.00}. 
I was locked out of my bank and all of my money until XX/XX/XXXX. I lost my home and my car. My husband died riding a bike to work, because we couldnt afford a car. 
The XXXX distributed {$4000.00} out of a {$26000.00} loan. The other {$22000.00} was blocked/denied and my loan was terminated. 
When I got control back of my bank, it had only {$2700.00} in it. 
I was told that the money in the bank went back to the original depositor. That is not true. 
My son ( just turned XXXX ) and my father got their paychecks deposited into my bank. 
They never got their money returned and neither did I. 
The depositor verified this on 4 occasions. 
I am paying money on {$12000.00} I never got, as is my son and my father. 

PNC bank has told me numerous lies about law enforcement having a hold on my money, when in fact, they did not. 
So, to sum it up. Me, my son and my father are all paying back money that PNC took from me. They didnt send it back to the depositor. They did not call to ask me any questions about my account before they cut me off of my money and took everything I held dear. There was NO correspondence from XX/XX/XXXX until XX/XX/XXXX. There should be upward of XXXX in my account. Thats just what I can count. The statements I always had online have been removed and online access has been blocked. 
One teller told me that PNC tried to return it, but it came back in XXXX and they blocked that deposit also. 
This bank destroyed my life and had an attitude while doing it. 
I have multiple recordings of them lying to me back and forth when I have called, as I recorded each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: LA

Complaint narrative:
PayPal closed my account without reason. My money is locked in the account. I have tried to contact them about this and can not get through. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Did not inform me I could dispute the validity of this account reporting on 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 2021-06-26 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: GA

Complaint narrative:
I wasnt aware of debt, showed up on credit report when trying to get an apartment, call the company and paid the account in full XX/XX/2020. Creditor advised me that my account will be updated, credit report wasnt updated advised credit bureaus no resolution there as well.

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 2021-06-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I had an auto loan with USAA Federal Savings Bank ( USAA ) that I paid off on XX/XX/2021. 

I am in the process of trying to get a mortgage to purchase a home so I requested XXXX update my credit report showing that this loan was paid off. XXXX opened an investigation which they closed on XX/XX/2021. XXXX  stated they contacted USAA and USAA certified that there was still an existing balance of {$18000.00} on that account and that all of the information was up to date. 

As part of the dispute process I provided XXXX proof that the account was paid off in it's entirety with a statement from USAA, the top of which states, " Congratulations! You've paid your loan in full. '' A cursory investigation by USAA would have shown that they account was paid off, but they failed to take any steps to correct this misinformation on my credit report in direct violation of the Fair Credit Report Act, 15 U.S.C. 1681s-2.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2021, I attempted to dispute inaccurate information on my credit score affecting my credit score, because I am trying to apply for my va loan to purchase a home, I've contacted the credit bureaus to delete over 13 accounts that exceeds past the 4 year california statute of limitations, but the creditors keep illegally re-aging the accounts that total up to {$20000.00} and the credit bureaus keep allowing me them to, when I dispute the items to let them know what they are doing is illegal, experian, transunion, equifax blocks me from filing the disputes, this has became on ongoing problem for years and something needs to be done about it, I am tired, and frustrated because they keep my scores in the low XXXX 's when my scores should be in the mid XXXX to XXXX, everytime I contact them they do not fix the issues that these creditors are illegally causing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WV

Complaint narrative:
I have reached 120 qualify payments and can apply for loan forgiveness however FedLoans is saying that three of my payments that were made which I have documented and bank statements proving were made on time and were qualifying payments have not been included in this is delaying my forgiveness process. I have asked for a manual review as far back as XX/XX/2020 was still no resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I also contacted the local branch here, just like other customers who also encountered being limited, but to no avail. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for almost a month now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX Thank you in advance for responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
On XX/XX/2020, sent them a letter to provide me with factual evidence that I have any legal obligation to pay the debt and provide me all the proper documentation I need. listed in the letter attached here but I never receive any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED BANKSHARES, INC.
State: PA

Complaint narrative:
First of all I had this bank for many years at XXXX Pennsylvania the bank was called United Bank the main office is out of Virginia but every time you ask they would say West Virginia I found out this later after this incident. What did happen is I took out a life insurance policy for {$25000.00} for {$110.00} and change once I made this transaction legal I was swindled by the life insurance Company buy set me up an automatic payment plan being how I can get a {$50000.00} policy for the same {$110.00} and change from XXXX XXXX XXXX XXXX I tried to cancel it but the life insurance company what you cancel it. The first month was a XXXX to establish everything I was headed for the second month and called the life insurance Company was forced to put in my information automatically then they hung up on me twice I called the bank ask them to stop the automatic payment before they took it and the lady there told me they don't do that, this was directly from an employee 's mouth I went to the same bank withdrew all monies except {$64.00} and change the Bank stoled {$64.00} and the change and put a payment that I owed them of {$92.00} and change in the whole fact of the matter is it should have been insufficient funds then I would have cancelled the life insurance policy as I tried previously. Sincerely, 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 monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/2020, sent them a letter to provide me with factual evidence that I have any legal obligation to pay the debt and provide me all the proper documentation I need. listed in the letter attached here but I never receive any.

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 2021-06-26 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: KS

Complaint narrative:
Trying to buy my daughter a bed from XXXX XXXX XXXX while its on sale. Capital one has the money on my card on hold even though XXXX may refunded it. I disputed it after it didnt show In 10 days and it refunded the next day. Theres no reason I shouldnt be able to use my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2021, I attempted to dispute inaccurate information on my credit score affecting my credit score, because I am trying to apply for my va loan to purchase a home, I've contacted the credit bureaus to delete over 13 accounts that exceeds past the 4 year california statute of limitations, but the creditors keep illegally re-aging the accounts that total up to {$20000.00} and the credit bureaus keep allowing me them to, when I dispute the items to let them know what they are doing is illegal, experian, XXXX, XXXX  blocks me from filing the disputes, this has became on ongoing problem for years and something needs to be done about it, I am tired, and frustrated because they keep my scores in the low XXXX 's when my scores should be in the mid XXXX to XXXX, everytime I contact them they do not fix the issues that these creditors are illegally causing

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