vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account.

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 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
All 3 of my credit reports have wrong information, all the companies that was Identity theft was removed. per XXXX XXXX XXXX, I also had to get connected with The Attorney General Office and made police reports. I been seeking help for over 3 to 5 years on some of these accounts. It was found out all the accounts is Truly Identity Theft and was Removed from my credit files. but yet its all still showing I have attached the information from my Attorney office to prove it should have been removed over a month ago. Life is not good with so much Identity theft. Im fighting hard to clear my name please you guys remove it forreal I have know Idea how its still showing when all the companies renoved it. Please see the attached proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
All 3 of my credit reports have wrong information, all the companies that was Identity theft was removed. per XXXX XXXX XXXX, I also had to get connected with The Attorney General Office and made police reports. I been seeking help for over 3 to 5 years on some of these accounts. It was found out all the accounts is Truly Identity Theft and was Removed from my credit files. but yet its all still showing I have attached the information from my Attorney office to prove it should have been removed over a month ago. Life is not good with so much Identity theft. Im fighting hard to clear my name please you guys remove it forreal I have know Idea how its still showing when all the companies renoved it. Please see the attached proof

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 2020-06-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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 2020-06-15 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: NC

Complaint narrative:
I have a checking account with PNC. I also have an account with XXXX, a FDIC member mobile debit card backed by XXXX XXXX  that I have so I can use to make online purchases and protect my various accounts and cards with PNC/XXXX  XXXX and XXXX. When attempting to connect my PNC account to my XXXX  account, PNC refuses to acknowledge XXXX 's routing/account number or link to directly and is prohibiting me from transferring money to my XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
There is an medical collections appearing on my XXXX credit file called Advanced Collection BU. I have reached out to both XXXX and the collections company asking for them to provide proof that this account is mine. The medical collections company has not responded at all and the credit bureau, XXXX, only advises me that the debt has been validated but does not provide me with any documentation to support the account. I am submitting this complaint in the hopes that I can get some kind of response from both the collection company and the credit bureau, XXXX, provide me with documentation to support this account or have this collection account removed from my XXXX  credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
Collection appeared on my credit report recently for a debt I do not owe. After further rear garage it was Determined that the alleged amount was for a emergency room visit from 6 years ago ( from a hospital and original collector who no longer exist ) when my daughter had 100 % paid state XXXX and never pays for any medical expenses out of pocket. I attempted to explain this to a representative who was not only rude but would not assist me in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: DC

Complaint narrative:
My problem is linking my PNC account to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit reports. Because this information is incorrect it is harming my credit score. The account need to be removed from my credit report. Since COVID-19 have been XXXX, unable to work and can not afford credit score to continue to be harmed since. This trade-line should be removed immediately or I will sue under every law possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
I have a mobile banking account with Cash app. My first account was hacked so I opened a new one. I ordered a replacement phone had to send it back because it didnt work. The company XXXX refunded my cash app card that I used with the first account the refund amount was {$100.00} they will not activate the first account so I can get my refunds. They told me they can merge the account if I have the old cash tag name which I dont have. Today they sent me messages telling me that my phone number and email I used to set it up wasnt enough

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: MI

Complaint narrative:
XXXX XXXX XXXX is not updating information correctly. I've paid this collection in full on XX/XX/2019 the amount is {$1600.00}. I include receipt and proof that this company has been going back in forth reported incorrect information on my credit report. Equifax is not investigating this at all and needs to be liable in a investigation with my proof of information and also they have deleted this and updated things on my credit profile and not removing these negative or incorrect items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT

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 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT

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 2020-06-15 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: CITIBANK, N.A.
State: VA

Complaint narrative:
CITIBANK has not tried to resolve the inaccuracies on my credit report. I have been trying to contact someone since XXXX. The last complaint filed, I receive a response stating to give them a call, I called the number that was provided, left a voicemail and have not heard back. This company refuses to assist me with how they are reporting and at this time if the information is not updated correctly I will seek legal action. They continuously hurt my credit score with the false information thats on my credit report for XXXX, XXXX   and XXXX. I'm trying to buy a home and this is my way of moving forward. XX/XX/2019 should be the only past due payment. The many times that I have tried to correct this there is no hope but to sue this company. 

With XXXX  they are reporting 5 late payments, XXXX   shows 1 late payment and XXXX  they are reporting 2 late payments. This information is incorrect and again I have tried to resolve this with no assistance. It seems as if no one at Citibank cares, cant read and definitely and are ok with giving incorrect information on customers 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 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P.
State: PA

Complaint narrative:
I have sent this company certified mail three times since XXXX and asked for proof this debt was not paid and they never give me the information Im requesting but they keep sending me 100 things in the mail to pay it but are refusing to give me proof. I have all 3 certified mail receipts to prove they in fact received my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has been displaying an offer to me on their website and mobile app ( once I logged in ) to open a checking account, transfer {$50000.00} into it, and hold it there for ~60 days to receive a bonus of {$750.00}. 

I clicked on the link for the offer to apply while logged into my account with the offer prominently displayed. The account was opened on XX/XX/2020. I then followed up with Bank of America on XX/XX/XXXX to confirm I was on track to meet the promotion requirements. 

I spent 1.5 hours on the phone as they looked into it ( spoke to XXXX XXXX and supervisor XXXX XXXX ), and was told they couldn't see the offer attached to my account, and that the offer would have needed to be e-mailed to me or mailed to me so I could not have possibly gotten the offer in this manner. This was despite me saying I had screenshots from the offer page while being logged into my account ( so they basically just told me I made it up - did I make up the screenshots then? ). They then told me they would put in a " research '' request that would take 30-60 days. So at this point they want to hang on to my {$50000.00} for two months while they decide if they can find in their system that I was targeted. 

False advertising on Bank of America 's part - if they are going to entice me to open an account and ask me to transfer so much money in, they need to follow through on their advertising.

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 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I currently have my personal PNC account connected to an app called XXXX that will take round ups of money spent and invest into stocks for you. I just recently started another PNC account and when I tried setting that account up on XXXX  I was notified that PNC has changed something that does not allow for their customers to use XXXX  anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: VA

Complaint narrative:
XXXX has not tried to resolve the inaccuracies on my credit report. I have been trying to contact someone since XXXX. The last complaint filed, I receive a response stating to give them a call, I called the number that was provided, left a voicemail and have not heard back. This company refuses to assist me with how they are reporting and at this time if the information is not updated correctly I will seek legal action. They continuously hurt my credit score with the false information thats on my credit report for XXXX, XXXX   and TransUnion. I'm trying to buy a home and this is my way of moving forward. XX/XX/2019 should be the only past due payment. The many times that I have tried to correct this there is no hope but to sue this company. 

With TransUnion they are reporting 5 late payments, XXXX shows 1 late payment and XXXX  they are reporting 2 late payments. This information is incorrect and again I have tried to resolve this with no assistance. It seems as if no one at XXXX cares, cant read and definitely and are ok with giving incorrect information on customers 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 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I currently have my PNC bank account set up with XXXX ( A brokerage to invest in stocks ) and I just recently created a new bank account with PNC and upon trying to connect the new account to XXXX I was informed that PNC has made changes that will not allow for accounts to be connected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Dear Madame or Sir, On XX/XX/2020, I purchased plane ticket from XXXX XXXX for {$700.00}, disputing the charge after they refused to give me refund on XX/XX/2020, then went on to grounding their entire fleet on the day I was supposed to travel. In addition they also wanted {$300.00} to issue ticket even after issuing me a confirmed itinerary ( XXXX ). This request for {$300.00} is FRAUD and not issuing refund of {$700.00} after grounding the fleet is against United States law. 

My credit card company, XXXX XXXX XXXX XXXX XXXX   Mastercard, issued by Barclays Bank Delaware, has reviewed the evidence of non-delivery of service ( {$700.00} ) and also the fraudulent request for {$300.00}. At first, they issued provisional credit or {$700.00}. But, to my surprise, in a letter dated XX/XX/2020, they closed the matter ( CASE ID - XXXX ) by reapplying the charge to my account (?! ). 

This is WILLFUL negligence by Barclays - they are knowingly ignoring the evidence presented by consumer whom they offered to protect against such charges.

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 2020-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: TX

Complaint narrative:
I call on XX/XX/XXXX and asked for the pay off amount. The lady told me that a draft for {$530.00} was already scheduled to come out of my bank account. the balance was {$1700.00}. 
{$530.00} Drafted out of my account that night. 
I paid your over the phone {$1200.00} On XXXX the XXXX they drafted {$120.00}. And I received an email that they will draft again tomorrow. 
Please see the pay off drafts out of my account attached. And they reported on my credit that my balance just went up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: OR

Complaint narrative:
Both Transunion and XXXX  are reporting incorrectly that my credit utilization is 54 %. It has never been over 10 %, a fact confirmed by the sole creditor on my record. 

TransUnion refused to help me, with their agents repeatedly telling me that they couldn't do anything and that it was my fault because they don't make mistakes. I spoke to the supervisor, a man named " XXXX '', who again blamed me and my bank and told me they wouldn't help me. When I mentioned that the FCRA requires them to fix inaccurate information in a timely manner, he hung up on me. 

I have been unable to contact XXXX, despite several phone calls. They have also refused to remove a hard inquiry, that never happened from my record. XXXX XXXX XXXX XXXX  has verified that the inquiry never happened and is falsified. It also never appeared on the TransUnion report, because it never occurred in the first place. 

My creditor, XXXX  XXXX XXXX, has said it is on the reporting companies to correct their mistakes, as XXXX  has provided accurate information, of which I was provided a copy.

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