vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Transunion several times regarding the unauthorized credit inquires. I called the companies listed and their response we dont have that information contact the bureaus directly which I been doing this is the 4th time. Please delete these inquires off my report as its a against the federal fair credit reporting act to report wrongful information. I have contacted this company XX/XX/2020, XX/XX/2020, and XX/XX/2020 with no results or notice. I provided my current electric bill and ID every time these letters were sent so theres no reason why I have been ignored. I kindly ask, please resolve this issue.

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 2020-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX opened on XX/XX/2020 an unauthorized Credit Card account # ( XXXX/XXXX - XXXX ) under my name but with an unknown ( XXXX ) email address. 
XXXX also made hard inquiries on my credit report which reduced my credit score. I have an account with XXXX with another email but I have NEVER applied for credit card EVER with XXXX. This is fraud by XXXX and is purposefully forcing costumers to sign up for their credit 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 2020-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX opened on XX/XX/2020 an unauthorized Credit Card account # ( XXXX/XXXX - XXXX ) under my name but with an unknown ( XXXX ) email address. 
XXXX also made hard inquiries on my credit report which reduced my credit score. I have an account with XXXX with another email but I have NEVER applied for credit card EVER with XXXX. This is fraud by XXXX and is purposefully forcing costumers to sign up for their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc doesnt allow to link account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I called PNC and talked to customer service after a hold was placed on my account. I was told there was no hold and I should be able to move my money to my other bank account. Not only was the hold still there, my account was relieved of access to the transfer function at all. I called back, was quickly put in touch with someone, and then put on hold after explaining my problem. I never heard from anyone again. After multiple angry voicemails, I am ready to close my account. They will not let me even add them to XXXX XXXX to transfer my money. Nobody can tell me why they are withholding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Confirmation Number XXXX XX/XX/1963 XXXX I am writing to dispute the following data in my credit file. I have listed all inquiries below. It is a letter meant to bring unnoticed mistakes to Equifax 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. I have severe problems with XXXX XXXX XXXX! These kinds of companies are probably responsible for different breaches at Equifax. 
My credit file was a breach was years ago without any compensation. I completed all the appropriate I am still trying to get my V. A. Loan that I have rightly earned. I sent certified letters to you all over sixty days ago. Please delete these as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? 
Why should my family continue to stay in a hotel since I can not obtain a loan? Why has this been going on for nearly two years? Why will Equifax not take their knee off the necks of XXXX Americans, particularly my neck? I am begging to have these inquires, and you all will not let me breathe? Could you all show God 's kindness to XXXX who risked his life in fighting for a country I love dearly? Equifax could make this right in a matter of minutes. 
1-XXXX XXXX 2XXXX 3XXXX XXXX XXXX 4-XXXX 5XXXX XXXX, all inquires 6-XXXX 7XXXX XXXX XXXX, all inquires 8XXXX XXXX 9XXXX XXXX 10-Confirmation : XXXX 11-XXXX XXXX, all inquires 12-XXXX XXXX  XXXX 13-XXXX XXXX XXXX  14-XXXX XXXX  15-XXXX XXXX 16XXXX XXXX XXXX   XXXX 17-XXXX  XXXX XXXX XXXX  18-XXXX 19-XXXX XXXX XXXX XXXX 20-XXXX  XXXX 21XXXX XXXX 22-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2020 I had fraudulent activities on my debit card. I called TD bank to make them aware that I did not make those charges. They told me that I had to wait for the charges to be posted to my account in order for them to dispute them. Their 3rd party fraud department contacted me to let me know that these people are still trying to pull money from my account and asked if I wanted them to block the charges and I told them yes. On the 14th the charges posted and the bank filed a dispute. My account went into - {$90.00} and then I was charged an overdraft fee of {$35.00} which put my account into - {$120.00}. I transferred {$270.00} to my account from XXXX XXXX. When I transferred that money because of the negative balance it took the {$120.00} from the {$270.00} to balance my account. Now today on the XXXX my account was credited the amount that was fraudulent of {$310.00} and the overdraft fee was not credited and the balance from my {$270.00} was not credited. I called the bank and they are rudely telling me that they do not owe me any money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
First credit services/XXXX XXXX XXXX XXXX gym membership was cancelled due to sickness and was told account would be closed and no further charges. They did not close account and placed on collections. 
I have called and try many times to have this removed from my credit report and they did not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: Nelnet, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
In attempting to use XXXX to receive money PNC will not allow it to connect. XXXX is a popular virtual cash exchange application and it is important that PNC allows it to connect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My account was previously linked to XXXX & PNC unlinked it without my request or permission and now can not relink and I usw this service foe othwr financial including credit building

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: HI

Complaint narrative:
Authorized user purchased jewelry in XX/XX/2020. The cost was {$1000.00} for a " deposit. '' User did not receive the final product. She has never received the final product. 

I made a dispute with Citi and they found in the merchant 's favor. 

I wrote a letter to Citi to appeal, have not heard back. 

Willing to take merchant to court and have Citi employees as witnesses.

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 2020-07-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX   keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
This debt collection company has found a loophole in the law. They reported to the credit bureau and every month they add additional charges ( interest or penalties ) and also report to the credit bureau so every month my credit is dinged by additional collections amounts owed Company is PROGRESSIVE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX for emergency room visit Had I been admitted after staying there 7 hours there would be no extra charges outside what insurance paid. 
This has been happening sinceXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
-My Wells Fargo ( " WF '' ) auto loan detail on my XXXX  credit report has not been updated since XX/XX/2020 ( see " Exhibit A '' ). For example, the date of last payment shows as " XX/XX/2020 ''. 
- I have had to file multiple disputes ( see " Exhibit B '' ) with XXXX   over the past few months in-order to get the details to correctly be reflected on said 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 non-monetary relief
Consumer complaint received 2020-07-16 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: Penn Credit Corporation
State: PA

Complaint narrative:
A Dept collection company '' Penn Credit Corp '' has reported a dept to the leading Credit Agencies. 
I am in agreement that I owe money on a Medical Hospital bill. The amount reported is greatly over reported. They attempted to " Balance Bill '' above and beyond what they received from their contracted agreed prices for medical services-in- network. ( Which is illegal to attempt to collect additional money above and over Contracted Agreed rates and Balance bill. 
*** ( Most importantly they have reported the Hospital collection debt..which was one Total sum of money. From one Hospital. To all three Credit Agencies and fraudulently reported this a total of ** ( 9 ) **  individual times all dated the same and debt. Not one time, Nine Times over!! 
This credit reporting incidence decreased my Credit history so very Negitively - 9x.Greater. This caused a catastrophic reduction in my Credit Scores. 
Which I have suffered greatly for several years. And have been unable to resolve. 
I believe it is highly illegal to report a single debt more than one time. Not as many time as they want. That averages about- 25 to 45 points x 9 times. Drop in score of approx -negitive 450 point. From one collection company. 
Any help would be appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: MD

Complaint narrative:
The credit bureau Experian has failed repeatedly ( 4 times ) to properly verify and validate a debt by providing key information I requested 4 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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I went online I was changing 2 XXXX XXXX XXXX and keep 1. T was deleted it. The next day l saw, it deleted, Personal Information : please see. I have to keep it. I tried to call them and it want let me. Experian Report number XXXX. I paid off my XXXX XXXX XXXX and going to buy a car. I need to change it back. 

Name XXXX XXXX XXXX Phone XXXX Cell XXXX Birth year Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx 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 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
I have a mortgage through PHH Mortgage company. I confirmed with a PHH representative that all of an excess monthly mortgage payment will automatically be applied to the principal balance. For several months, my excess payments were being applied to my principal balance. However, on XX/XX/2020, I sent a payment of {$7000.00} to PHH. As my monthly payment is {$1700.00}, {$5200.00} should have automatically been applied to my principal balance. Without my express permission, instead of applying the full amount to my principal balance, PHH deducted {$1700.00} as an " advanced '' XXXX payment. I called PHH and explained the issue and stated unequivocally that I wanted ALL excess mortgage payments to be applied to my principal, and not to any advanced monthly payment. On XXXX XXXX I made a {$7000.00} mortgage payment. Despite my previously stated instructions, PHH once again failed to apply the excess amount to my principal. As before, they deducted {$1700.00} as an " advanced '' XXXX payment. Given that practice has only begun as I am approaching mortgage pay off, I believe PHH is deliberately refusing to apply my excess mortgage payment to principal in order to increase the life of the loan to increase their interest profits.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: IL

Complaint narrative:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am trying to link my PNC bank checking account to my broker account in the XXXX app for stock trading. I get an error that says pnc has made changes that make it not possible to link my accounts together through their easy linking partner called " plaid ''. There is no other way for me to link my account through XXXX and pnc needs to allow me to link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: Block, Inc.
State: WV

Complaint narrative:
I was trying to CashApp my last car payment and when I went to send the payment of {$820.00} they locked my account after I tried to send the payments in smaller amounts. The app says that my account will be unlocked in 24hrs that was on the XX/XX/XXXX, now their saying that I have to wait 45 days. CashApp set me back on my last car payment and my little girl had to wait until I got my next paycheck to celebrate her birthday. CashApp has been nothing but stress, I contacted the XXXX, my states AG, and now Im asking for you help with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX 2020- An unauthorized transaction of {$1000.00} was removed out of my account. My email was compromised. I've been a victim of identity theft. My email was logged in with different IP Addresses. 
I submitted a police report the day of the activity. USAA denied my fraud claim when providing evidence of fraudulent activities to my account .... 
The Fraud Department failed to provide me with any paperwork of any sort stating my claim was denied. I was told by the bank I can't appeal their decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation