vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am a student moving out and was selling furniture online ( Total price was {$180.00} ). 
I was contacted by an individual who was interested in buying the same. 
The buyer sent me money through her 'company financier ' in the form of an e-check, for {$890.00} which I deposited into my PNC bank account using the mobile deposit feature on XX/XX/2020. 
The amount of the deposited check was posted into my account on XX/XX/2020. The buyer then asked me to deduct the amount for my furniture ( {$180.00} ) and send the difference ( {$700.00} ) via XXXX to movers who would be picking up the furniture. 
The next day, XX/XX/2020, she told me that the initial movers had canceled and so sent me another check of {$750.00}, through the 'company financier ' to be sent to a new moving company. I again waited for this e-check to be deposited into my account, once the funds were in my PNC account, on XX/XX/2020, I sent the entire amount via XXXX to the second movers. 
On XX/XX/2020, the predecided day on which the movers were supposed to pick up the furniture, none showed up and I received an email from the buyer saying that she would no longer be buying the furniture. 
On XX/XX/2020, I was informed by PNC bank that the initially deposited check of {$890.00} was being returned. I was then again informed that the second check of {$750.00} was being returned as well. 
As a consequence of this, my bank account has also been overdrawn which is negatively affecting me. I had made the payments against these checks only after PNC made them available in my account which should have reflected that they were verified. 
As a student account holder, I would've expected PNC bank to be more vigilant about the activity before allowing funds to be present in the account. 
Due to this entire transaction, I have lost $ XXXX $ XXXX {$1600.00} which is incredibly difficult at this point in time and caused a grave inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX pulled a unauthorized credit/hard inquiry on my Equifax report confirmation number XXXX.When I discovered it I immediately disputed this Unauthorized hard inquiry.I never asked this company or gave permission to pull my credit.This is FRAUD.When I got the Dispute results back from Equifax, it says, Please contact the creditor, with a address but no phone number.Well i tried looking up this company only to discover that this company has pulled unauthorized credit pulls on lots of people.There is a forum online with the same problem.Equifax also said in results '' Inquiries are a factual record of file access '' which means that Equifax DID NOT investigate it.If they investigate my dispute, they will see that this inquiry is Unauthorized and Fraud.Because of Equifax not doing there job, it has caused my credit score to decrease on this unathorized inquiry.I have a right under the credit laws to have a dispute fully investigated.Therefore, Im demanding Equifax to reinvestigate my dispute to the fullest.I did file a FTC Fraud complaint on XX/XX/2020. 


" Inquiries are a factual record of file access but they are still " any '' item. They have to reinvestigate " any '' disputed item at your request. Futhermore, the collector or creditor must certify a permissiple purpose for an inquiry. This certification is part of the factual record ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: NY

Complaint narrative:
To Whom It May Concern, I was looking at my credit report. I noticed a few inaccurate information on my credit report on XX/XX/XXXX. The following inquiries I believe to be fraud as I never authorized them to run my credit or gave anyone permission to run my credit. I have no accounts with these people. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Again I never signed anything with these companies and would just like this removed so my credit is accurate. I also have a XXXX XXXX account that I was late once on XX/XX/XXXX. The customer service rep said they would remove it back in XX/XX/XXXX as a common courtesy but from looking at my score it appears was never removed. I also have another late fee from XXXX XXXX back In XX/XX/XXXX and they also they said they would remove it since I've since always paid on time. The reason I was late with those cards was because while working for fed ex at the time I had got injured on the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: NY

Complaint narrative:
To Whom It May Concern, I was looking at my credit report. I noticed a few inaccurate information on my credit report on XX/XX/XXXX. The following inquiries I believe to be fraud as I never authorized them to run my credit or gave anyone permission to run my credit. I have no accounts with these people. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX. Again I never signed anything with these companies and would just like this removed so my credit is accurate. I also have a XXXX XXXX account that I was late once on XX/XX/XXXX. The customer service rep said they would remove it back in XX/XX/XXXX as a common courtesy but from looking at my score it appears was never removed. I also have another late fee from XXXX XXXX back In XX/XX/XXXX and they also they said they would remove it since I've since always paid on time. The reason I was late with those cards was because while working for XXXX XXXX at the time I had got injured on the job.

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 2020-05-18 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-05-18 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEGASTAR FINANCIAL CORP
State: MN

Complaint narrative:
I was provided with contact information for XXXX XXXX XXXX a lender at MegaStar Financial Corp. by a realtor with the best of intentions. When I got in contact with Mr XXXX one of the first things he advised me to do was pay off my debt including a {$15000.00} vehicle loan. This is a substantial amount of money for me at any time but especially now because Im currently furloughed due to COVID-19. I felt a genuine unease not only because Im a first time home buyer but because my mental ability for making decisions has been severely compromised due to XXXX both of which require me to rely heavily on people who are supposed to be professionals. I proceeded with Mr XXXX advice and after paying off all but my car, which I was still reluctant to do, I contacted him to let him know the progress. The first thing he said was what about the vehicle? It was obvious that Mr XXXX wanted me to pay off my car. After I did what he advised I contacted him once again to let him know. It was at this point that Mr XXXX informed me that I was ineligible for a loan at this time due to the furlough. A fact Mr XXXX had neglected to inform me of prior to paying off the vehicle. If he had informed me I would not have had a reason to proceeded in paying off my car loan at this time. My lease is up on my apartment next month and I dont have a house or the {$15000.00} I will need for a place to live and to fund my education over the summer. Im less than 60 days away from being homeless. Advising a furloughed restaurant server with limited funds in the middle of a pandemic to pay off a {$15000.00} car loan is not only incompetent it is negligent. In his follow up call Mr XXXX actually used his own lack of debt as some kind of standard because like he said he only pays cash for his cars. Mr XXXX is a working banker and I am an out of work waiter, his comparison only further proves the incompetence. There is however something called an ethical standard. {$15000.00} may not be a lot of money to him or anyone reading this but it is to me. The distress this has placed on me is borderline fatal at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On Thursday XX/XX/XXXX, I made a payment over the phone with a CapitalOne Credit Card collection agent. This payment was in the amount of {$1200.00} to bring my Credit Card balance back to good standing which is my {$800.00} Credit Limit. I must admit I have had a very rough time financially since testing positive for COVID19 back in XXXX and been furloughed from my job. Back in XXXX I did call CapitalOne to look for COVID19 assistance and I was enrolled in a program that prevent me from accessing late fees. This was a huge help for me, because it prevented my balance from going higher while I was fighting to survive at home while I was on isolation without any income. The CO agent advice me it would be on my best interested to pay the whole amount of {$1200.00} to bring my due balance back to XXXX which I agreed to do even though that is all the money I had left from my stimulus package. I thought maybe if I pay the full amount now CO will stop reporting negative payment to my credit. On Friday, XX/XX/XXXX I saw my payment had posted and my balance was back to {$0.00} and my available credit was {$800.00} which was a great feeling. But that all changed today Monday XX/XX/XXXX when after logging into my CO bank account I noticed my credit card had been CLOSED DOWN. I immediately contacted CO to see if there was a glitch in the system. The customer service informed me my account was scheduled to closed on Sunday XX/XX/XXXX. When I asked how is that possible? I just made a payment on Thursday and it was posted on Friday. How can my account closed 3 days after me making a payment? The agent stated my account was already scheduled to be closed because it had been over the limit for 91 days. The 91 days supposed it take into effect on Wednesday, XX/XX/XXXX. But when I called on Thursday XX/XX/XXXX the agent stated my account was still open and that I should make a full payment to bring it back to good standing, however the account was closed down on Sunday XX/XX/XXXX, three days after I had already submitted a full payment. 

CapitalOne made a mistake and allowed a closure to be processed even when the payment had been submitted and processed. The agent I spoke today informed me this account can not be re open and that I have settled my debt with capital one. What debt?? My credit limit was {$800.00} I just owed {$430.00}. So this means I get nothing? This is very unfair, specially to someone who has been home not working or getting paid due to COVID19. I don't know how I am going to make it to the end of XXXX. I am a single mother of a XXXX XXXX XXXX daughter and all I wanted was to pay my due balance and have my credit card back to good standing. 

Please help me. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ULRS, Inc.
State: CA

Complaint narrative:
Since early XX/XX/2020. United Legal Group has been contacting me everyday, they are calling my extended family members my mothers and XXXX brothers. I dont know how they got their contact information, I never gave anyone their numbers. I have asked them to stop calling me since I have a loss of income due to the coronavirus pandemic. They have noted to me that they dont care of the pandemic and I still have to pay. They have told me that they can garnish my wages and seize my property by taking me to court if I dont pay. I have asked them multiple times if they can contact me in XXXX when I may have a job and circumstances are more better for me to pay for at the moment I have no income. I dont have any money to even pay my own bills, I feel harassed my this credit company, they have even yelled at me and are very condescending. I feel afraid if I get a job after the pandemic is over that they will take my wages, Im afraid to pick up my phone for fear Im going to be harassed by them.

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 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX  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. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-05-18 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: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: TX

Complaint narrative:
ftc violation all enclosed please

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 2020-05-18 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: NJ

Complaint narrative:
Upon reviewing my credit file I noticed a derogatory mark stating that I was pass due on an account from XXXX with a XXXX balance. I send all three bureaus validation of debt letters along with a request for a method of varication. They sent me a letter stating the account was verified as reporting accurately. I contacted the original creditor and was told that my balance was XXXX balance. I also noticed that all 3 bureaus were reporting 3 different open and close dates. According to the original creditor the open date was XXXX2015 notXXXX2015 per transunion and not XXXX2015 per XXXX and XXXX. If they actually completed a through investigation then why is the reporting information different from the information the original creditor has provided me. Due to the apparent neglect of my credit file. I would like this account completely removed from my file immediately. This is a major violation of the FCRA.

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