vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
i check my credit pretty regularly and i noticed last week that this Allied Collection Services showed up on my report for two bureaus which is XXXX  and XXXX. I am not happy because i have never received any letter regarding this collection or anything. i am disputing the validity of this debt until they can prove other wise. This company went about it the wrong way and in an unethical manner. Something just should automatically appear on ones credit report unless numerous attempts to try and collect via phone and mail. This comes as a surprise to me and i am not happy because i am gradually trying to increase my score to own my own home one day and this knocked my score down by 42 points. I have research my own information about this company and they dont do things the right way they do it their way. I am asking this so called debt they are saying is mine off of my credit report and for them to prove its mine under law. Also on this report on XXXX XXXX there is no account number or anything so i dont trust anything. Again, Allied has not contacted me to settle anything if this was my debt, they just put it on ones credit. Also i know what a collection letter looks like and most times they offer a settlement amount. i have nothing to reference to but this screenshot from XXXX XXXX. XXXX will say they will work with people and i know that any they will still put thru to collection services..my thing is this XXXX account associated with Allied Collections Services is inaccurate and i am disputing this debt because i was never contacted of this debt by Allied collection Services and it mysterioussly popped up on my credit report last week

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 2020-06-09 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:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Noticed on my Experian credit report a hard inquiry from XXXX XXXX XXXX dated XX/XX/2020, with an address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX and a phone number of XXXX. 

Called Experian at XXXX for assistance on this, and they hung up on me. Called the number listed by the alleged inquiry, got a voice mailbox. 

I have never heard from this company, never done business with this company, and I never authorized them to pull my credit at any time.

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 2020-06-09 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I rented a car in XXXX from XXXX XXXX XXXX XXXX in XXXX, Florida. Their online policy states that they take a {$250.00} deposit to be refunded when the car is returned. They never returned the deposit. I tried to contact the company and they never responded. In XXXX I contacted Chase Bank, as it was their Southwest credit card.  They refunded the money, then recharged my account in XXXX saying that XXXX " denied '' the dispute. No reason or explanation was given. As per Chase 's instructions, I faxed Chase the XXXX written policy and the contract with XXXX that says that XXXX will refund the deposit when the car is returned. Chase never responded to me. I called Chase again and an agent said that they ( the credit card company ) are " deciding '' the matter. Again, I never heard back from Chase. When I asked to speak to a supervisor, the agent said that they don't have supervisors available, and that " supervisors can't do anything ''. Again, no reason or explanation was given for their " decision ''. I then went on line and saw that many other people complained about this practice. It seems that Chase and XXXX may be in collaboration in this underhanded scheme, and many other people are scammed in this same manner! .I was under the impression that credit card companies must look out for their customer, and that consumer businesses must be held to their written contracts. I have all the documentation, and can send that to you. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called Wells Fargo on the telephone to try to get the bank to implement the feature of the system that would automatically block any transaction that overdraws the debit card. When I got to a certain point in the conversation, the phone automatically hung up abruptly as if it had been programmed to do so automatically by either the phone company or the bank itself, ( or the United States government? ) so that I could not effectively add that feature to my debit card.

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 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC Bnank is holding my account hostage and not allowing me to use apps such as XXXX or XXXX XXXX. Whe nI attempt to connect my bank to these apps they say that the connection can't be made. PNC Help told me that they're trying to protect me, but it's my account and I wish to do what I please with it. The only option I can currently think of is to close my PNC account and move my business elsewhere, but need a short term solution. Can you do anything to make them stop holding my account hostage?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: WA

Complaint narrative:
I have requested all three credit reporting bureaus for the dispute on my credit reports. I have a mixed credit report with my brother so I sent all documents needed for the dispute. It has been more than three months since I submitted the request via mail. XXXX already made an dispute but I have not heard anything from XXXX  and Transunion.

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 2020-06-09 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: IL

Complaint narrative:
PNC not allowing me to upload funds to XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I accidentally paid $ XXXX XXXX {$150.00}, on Cashapp. It was an accident, as I meant to pay XXXX XXXX at $ XXXX. I immediately requested a refund, to which I have not received, even with repeated requests! I emailed customer service, and was told there is nothing they can do! I want to know who I sent my money to, did they actually receive it, or did the app keep it ; something that I can use to pursue legal action against. They say I just lost my money because I did not send it to the right person, period! 

PENDING TRANSACTIONS XXXX XXXX - XX/XX/XXXX For Refund Yesterday + {$150.00} XXXX XXXX - XX/XX/XXXX For $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Sunday + {$150.00} XXXX XXXX - XX/XX/XXXX For You know what! 
Sunday + {$150.00} XXXX XXXX - XX/XX/XXXX For Refund Saturday + {$150.00} XXXX XXXX - XX/XX/XXXX For Refund Saturday + {$150.00} XXXX XXXX - XX/XX/XXXX For Still waiting for refund Saturday + {$150.00} XXXX XXXX - XX/XX/XXXX For ... until they file with the XXXX. 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For The XXXX wants me to keep requesting my refund ... 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For Theft report filed. Call XXXX XXXX. 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund! Police report has been filed! 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund Thursday + {$150.00} ORIGINAL TRANSACTION - XX/XX/XXXX XXXX XXXX Refund Requested Wednesday {$150.00} ORIGINAL TRANSACTION - XX/XX/XXXX XXXX XXXX Paid/Completed Wednesday {$150.00} COMPLETED - The correct XXXX XXXX - $ XXXX - XX/XX/XXXX XXXX XXXX Replied Saturday {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under  Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-09 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:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: UT

Complaint narrative:
My original FHA loan originated in XXXX of XXXX at a rate of 4.75 %. We did a streamline refinance in XXXX of XXXX to a rate of 3.25 %. I made the XXXX and XXXX payments XXXX XXXX was skipped due to streamline ), these were on time, actually 2 weeks early each but irrelevant. I received a call from my loan officer who stated they canceled my FHA case number by accident and would would need to re-sign. She then had another loan officer contact me who stated we must do a full re-fi as the case number was canceled and can't be re-instated since it was canceled before closing. He stated the company is not able to sell my mortgage now since there is no case number. They are offering a no cost re-fi and a lower interest rate but I have to go through full credit pulls and the entire process. I have reluctantly agreed but am skeptical. Am I obligated legally to do this? If I refuse do they have a right to keep the monthly PMI I am paying for an FHA loan that technically doesn't exist since there is no case number? I have not signed or closed anything on a full refi yet as it is just getting started.

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 2020-06-09 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: IL

Complaint narrative:
I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. The last time I sent this issue to them they only opened a new dispute and I received the same results. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to TransUnion several times and they say the same thing over and over and over and over again, The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. The following accounts that are reporting are : US Dept of EducationXXXX, XXXX XXXX  As well as the incorrect address of XXXX XXXX XXXX XXXX XXXX, IL XXXX I have never lived at this address. I have been a resident of my current address for over 15 years. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
Mobile money application Cashapp is holding my {$500.00} based on a claim that was filed through my XXXX XXXX XXXX account on the date of XX/XX/2020. The claim has been closed on both parties and XXXX XXXX has stated that they released the funds to them on XX/XX/XXXX. CashApp has frozen my account because of this claim and I have tried contacting them to either unfreeze or check if there are {$500.00} pending to be released to me but they have not responded. Both parties banks have confirmed that the money is now in limbo and we would just like that money returned to the original senders account. Also, Cashapp had stated that a refund would take place and it obviously was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal credit union has two of my closes accounts. Credit card and closed car loan amount. My phone number is blocked in there system and determined i am NOT allowed to dicuss settling these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT ASSETCARELLC/CAPIOPART XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ASSETCARELLC/CAPIOPART XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief