vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1.XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. Us Sm Bus Admin Oda on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is Reporting inaccurate information in my credit report. For the Auto Loan they are reporting to Transunion I was 30days late 12 times/60days late 6
times and 90 days late once. They are reporting to XXXX I was 30 days late 19 times/60 days late 11 times and 90 days late 2 times/ To XXXX they are reporting 30 days late 12 times/ 60 days 6 times and 90 days 1 time/ they are also reporting inaccurate dates of Last Payment. to XXXX last date of payment is XX/XX/XXXX but to Transunion the date of last payment is XX/XX/XXXX and to XXXX date of last payment is XX/XX/XXXX. If these dates are all different and nothing matches this is a big discrepancy. They don't know if I was late or not because they don't have an accurate date of last payment. It also states it has never been disputed when it has several times.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is Reporting inaccurate information in my credit report. For the Auto Loan they are r
eporting to XXXX I was 30days late 12 times/60days late 6 times and 90 days late once. They are reporting to Experian I was 30 days late 19 times/60 days late 11 times and 90 days late 2 times/ To XXXX they are reporting 30 days late 12 times/ 60 days 6 times and 90 days 1 time/ they are also reporting inaccurate dates of Last Payment. to Experian last date of payment is XX/XX/XXXX but to XXXX the date of last payment is XX/XX/XXXX and to XXXX date of last payment is XX/XX/XXXX. If these dates are all different and nothing matches this is a big discrepancy. They don't know if I was late or not because they don't have an accurate date of last payment. It also states it has never been disputed when it has several times.

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 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2021, I spoke to a customer service representative from the XXXX XXXX XXXX and entered into agreement to purchase automobile insurance. I spoke to the representative for an hour and I was told everything was okay and the payment of {$120.00} had been processed. I kept watching my checking account and I noticed that the funds were available, but they were not withdrawn. The customer service representative said that the payment had been successfully processed, so I continued to draw available funds from my checking account. 
Then, I received a letter from the XXXX XXXX dated XX/XX/2021 and received by me on XX/XX/2021 regarding the Notice of Rescission of New Business Policy. The reason for the Rescission was for nonpayment of the initial premium payment. However, I was told the payment had been processed but that my financial institution refused to honor the transaction. When I contacted the XXXX XXXX XXXX, I was told that I had to make a payment of {$210.00} by XX/XX/2021 to be insured with their company. 
In addition, The funds were available in my checking account and savings account. I received a letter from PNC Bank dated XX/XX/2021 that I had exceeded the number of permissible transfers allowed during a monthly service charge period. This is the first time I ever received any type of communication from PNC Bank regarding such a matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NV

Complaint narrative:
This is the second time its happened its clearly seen on my credit report through XXXX the account was charged off in the amount of XXXX dollars give or take but can be found on XXXX which shows account closed with the amount I mentioned give or take. 
Now this happened where this new company or debt collector by the name of Fidelity Creditors SVC twice now filed a dispute prior on credit karma and now again through all 3 bureaus first dispute went good but then reappeared not sure how long after. Company or agency I mentioned is obviously playing games lying and ruining and now re trying to collect something that is clearly wrong and way over charged off amount from XXXX. Company provides not only an open account which is false and way past the time frame of XXXX closing and charging off years ago but also wrong amount clearly and being its the second go around they are playing games and jeopardizing a young XXXX XXXX XXXX like myself an account that shouldnt be opened and false intentional amounts over what was charged off and closed. Its taken me years and years to fix my credit due to financial circumstances and I have the opportunity to buy the condo Im currently renting. 
Im hoping to not only have this issue finally finished and handled not go back again to dispute twice gets fixed and same issue I want this false amount off fixed and the company should not even show on my collection accounts for all 3 bureaus end of story account is charged off nothing more then XXXX and account is closed. I want this company disputed action taken for them and most importantly reflect and be removed from collections accounts on all major credit bureaus. 
My time frame for this buy was until next month so if there is anyway a miracle can happen on timeliness quick results or turn around I would be so greatful! 

Thank you very much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My edd prepaid debit card was stolen in XXXX I called Bank of america to report stole the close that card and sen new one was supposed to have around XXXX on it I get the card it won't activate an they froze my acct and that canceled the claim I did everything to verify my identity they ufroze my acct and they keep denying my claimi sent police reports copy my driver lience and they still say no error and deny again there is much miscommunication difference story eventide I call to try and get my money back th act like it's a joke and tell me they rode my acct to protect me never hourning the zero liability could y help get my money back

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
A detailed look at my credit report I found that the reported balances are inaccurately reporting {$22000.00} ( XXXX  ), {$22000.00} ( XXXX  ), {$14000.00} ( XXXX  ) when I reviewed the information presented reflects that The original balance was XXXX. The deficiency balance was reported as {$7300.00} but on the account statement it reflects that the balance is {$5200.00}. Clearly the reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
A detailed look at my credit report I found that the reported balances are inaccurately reporting {$22000.00} ( XXXX  ), {$22000.00} ( XXXX  ), {$14000.00} ( XXXX  ) when I reviewed the information presented reflects that The original balance was XXXX. The deficiency balance was reported as {$7300.00} but on the account statement it reflects that the balance is {$5200.00}. Clearly the reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NE

Complaint narrative:
My original loan was through XXXX XXXX, but this year when they got " out of the student loan '' business, they sold it to FirstMark Services a division of Nelnet. I requested a deferment/forbearance in XXXX and never heard back. I was able to make a double payment that month so all was XXXX. However, this month when my bill came I was like " XXXX '' cause they said they were putting in my forbearance request. I tried to call for 6 hours off and on but the number kept disconnecting. Finallly I got through to someone and he couldn't tell me what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I had opened a PayPal account and was using it pretty often well I ended up messing up and violated the user terms and agreements so my account was permanently limited on XX/XX/2020 when I still have {$900.00} in that account and I was told that I can no longer use PayPal and any money I have in the account will be held for 180 days at which time I was supposed to get an email with instructions on how to withdrawal my money out it has been 11 months now almost a year and I have still not received any information on how or when I will be able to transfer my money out I've tried countless times to contact PayPal to receive any information or answers and haven't gotten any response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My wallet was stolen containing my ID, social security card etc..A few days after loans, credit cards, electric, gas etc started being opened in my name using the stolen information. Sparaticly over the years I continue to be having issues with things being opened in my name. I have tried to correct this directly with the companies and have either just been dismissed all together, told it would be taken care of just to have nothing be done about it. Honestly believe they just told me what they thought I wanted to hear just to get rid of me. So I tried disputing items on my credit report some were taken care of however many still remain and have been refused to be removed. I don't know what else I can do. I know my credit is ruined, I've been homeless because I haven't been able to pass the credit portion of the application apartments or rent to own homes that I can afford turn me down I am permanently XXXX and on social security XXXX and have been for almost 20 years I have XXXX boys XXXX of which I had to send to live with other relatives because we lost our home. My youngest was only a little over a year old when I sent him to temporarily stay with his sister until I got back on my feet. He will be XXXX in XXXX and I have NOT seen him since the night she picked him up. She refuses to allow me any contact with him and will not let me know how he is doing infact I was told she would file harassment charges if I continue to contact her in anyway. She filled for custody of him and I didn't even know about it until it was all said and done. I was homeless so I wasn't receiving any mail. For first 4 months faithfully every day I contacted her to find out how he was if he needed anything until one day I was called everything but a white woman and told I was a useless no good for anything XXXX XXXX XXXX  and he would be better off having never of had me for a so called mother, she was a better mother than I ever could be she was his mother now and actually has him call her mom.I would try to set up time to visit and she would either not be home or set it up and cancel last minute, have us come and not be there when we got there and she lives in XXXX Ohio I live in XXXX Ohio . So basically my whole life has been effected one way or another by this and IS NOT GETTING ANY BETTER! Please someone help me so hopefully I can get my life back! My boys back! Our home back.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX, XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: FL

Complaint narrative:
On XX/XX/XXXX I pad XXXX  the full balance of my credit card which was {$1100.00}. TransUnion refuses to update my credit file with proper information pertained to this account, they refuse to fix my report. I will attach a detailed letter outlining my dispute.

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 2021-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
In XX/XX/XXXX, I called Citibank to convert my account to a basic banking account, which I was told would not incur fees as long as I maintained a $ XXXX monthly average balance. This is an inactive account, one that I opened 25 years ago and kept open in recent years mostly so as not to damage my credit score. 

Last week, ( XX/XX/XXXX ) I saw an email from Citibank alerting me that my savings account had a negative balance. I called them up to find out what was happening. It turns out the specialist who had converted my account to the basic banking product left my linked savings account out of the package meaning I incurred $ XXXX/mo monthly maintenance fees and $ XXXX/month overdraft fees. 
The first supervisor I spoke to reversed two thirds of the charges, and informed me I would need to call back to get the rest reversed. He admitted that this was a clerical error on Citi 's part and my linked account should have been converted to the basic product at the same time as my checking. 
All seemed fine, until I called Citi yesterday to reverse the remaining fees ( {$170.00} ) reversed, only to be told this was not possible. While originally I was willing to consider the " clerical error '' that led to the high fees was the result of an honest mistake, my latest interaction makes me think Citibank is preying on customers who are too busy or unable to track their accounts on a regular basis. 
In summary, late last year Citibank had assured me I would not pay any monthly maintenance charges as long as I maintained a balance of $ XXXX/month, but ended up finding a way to charge me $ XXXX/month and refuses to reverse the charges even though they resulted from their clerical error. 
In addition to the hefty fees, Citi has damaged my credit score.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Related to NYS Attorney General File # XXXX attached XXXX XX/XX/XXXX communication stated : our records indicate that on or about XX/XX/XXXX, Mr. XXXX accepted our offer of an exchange for his phone Related to # s XXXX and XXXX, Consumer Financial Protection Bureau communicated : STATUS Company response is in progress as of XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX follow-up resolving texts were received from XXXX, # XXXX : " Hello Mr. XXXX, This is XXXX with XXXX XXXX XXXX XXXX. We will be reaching out to offer you a refund due to the time it has taken to get a device in stock. What is a good contact # and time for us to go ahead and reach out to get the process started? Background : 4 months past, the initial communication from XXXX was XX/XX/XXXX : Good Morning this is XXXX the supervisor of the XXXX XXXX XXXX XXXXHere is your ticket # : XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, attached letter advised : still investigating your dispute claim. 

XXXX supervisor XXXX refund offer was accepted, never an exchange as XXXX XX/XX/XXXX mischievously reported to and by NYS Attorney General. The scope, confusing and credit score negative impact of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, credit bureau reporting is attached ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Bureau Reporting. 

4 transactions are detailed in attached PURCHASE of XXXX XXXX XXXX XXXX XXXX and RETURN of XXXX XXXX  XXXX. The XX/XX/XXXX and XXXX, XXXX refund of the XXXX XXXX XXXX XXXX purchase ( 1 ), XXXX  XXXX return ( 4 ) and 2 other related transactions ( 2 and 3 ), as evidenced in attached, remains awaited. 

Please confirm the transaction order of the XXXX supervisor XXXX refund to be 4, 3, 1 and 2. 

Reply, reflecting XX/XX/XXXX and XX/XX/XXXX promised XXXX refund, from XXXX XXXX XXXX XXXX XX/XX/XXXX letter also remains awaited. 

Confirmation is awaited from Experian and XXXX  that they will not be willing maligned participants in the XXXX XXXX XXXX XXXX XXXX mischief as they did to my burdensome XXXX fraud hurt ( XXXX XXXX account # XXXX XXXX XXXX ), re : attached ACTIVITY ON EXPERIAN AS XXXX XXXX EXPERIAN XX/XX/XXXX to XXXX XXXX. 

XXXX  chose avoidance of the XXXX fraud. Confirmation is awaited from XXXX  that they will not be willing participants in the XXXX XXXX XXXX XXXX XXXX mischief.

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