vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I discovered an allotment of {$35.00} bi-weekly from my payroll ( with the U.S. Postal Service ) to PNC Bank. When I called the bank, the bank told me there was no record of this allotment. I cancelled this allotment on XX/XX/XXXX. I fell ill, and forgot about this problem. Recently, I ran across the printout from the Postal Service where I cancelled this allotment to PNC. I decided to pursue this inquiry, as I do not recall ever authorizing this allotment or withdrawing any money that went to PNC Bank. I provided PNC Bank with a copy of the allotment cancellation, which included the Routing Transit Number XXXX, Account Number XXXX, Account Type Savings and Amount {$35.00} bi-weekly. I sent this information to PNC Bank by certified mail. PNC Bank replied on XX/XX/XXXX stating they are " unable to locate an account on file at PNC Bank ''. Signed only by " PNC Bank Retail Operations ''. I don't know how many times the {$35.00} allotment went to PNC -- I didn't catch this allotment till XX/XX/XXXX. I don't know if there's been any fraud involved, but my money seems to have disappeared. I would appreciate it very much if you would investigate as I am not getting any cooperation from PNC Bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: PA

Complaint narrative:
Trans Union XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) has  Discrepancy in the High Balance, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You 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 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I contacted XXXX XXXX XXXX about resolving a balance I owed to them. They informed me that they had sold my account to a company called LVNV Funding. I called LVNV Funding and they told me that a company named Resurgent Capital Services LP was handling this account. I called Resurgent Capital Services and was told that a company called XXXX XXXX was handling my account. I called XXXX XXXX and they offered me a settlement to pay this account and it will not be reported to my credit report. However, Resurgent has reported this to my credit report after this. I called them and they seem interested only in harming people 's credit profiles rather than the account being paid. 

This is an overly convoluted process when I had willingly been trying to settle this debt before ever being contacted by this company. This is very deceptive and confusing for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: CO

Complaint narrative:
Transunion refuses to fix an error with an account discharged in bankruptcy. The creditor is XXXX XXXX XXXX. The discharged debt is reported as an OPEN account on my credit report. As a result the discharged debt shows as an ACTIVE DELINQUENT account on my credit report. This is violation of the FCRA and federal bankruptcy laws. Transunion has also suspended my access to the dispute center so I can not add a note to the credit report explaining why it is inaccurate or open a new dispute with them. Customer service does not fix my access to the dispute center. I have access to all other Transunion account features ...

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 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: FL

Complaint narrative:
LJ Ross has attempted to collect a debt even after receiving supporting documentation that the debt is not owed. 

The debt claimed was to XXXX XXXX, in the amount of {$100.00}. LJ Ross placed negative records with XXXX, XXXX, and XXXX. 

The reporting date was XX/XX/2019. 

I wish to pursue damages against LJ Ross and have the negative strikes removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: PA

Complaint narrative:
Trans Union XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) has Discrepancy in the High Balance, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You 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 2019-10-09 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-10-09 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. XXXX billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( XXXX ) bureaus to remove the lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
On XX/XX/2013 to XX/XX/2013 @ the address is XXXX XXXX XXXX in XXXX XXXX, LA. XXXX, my niece, XXXX XXXX used my name, Mr. XXXX XXXX, and my SSN # which is XXXX to apply for XXXX XXXX Data & Telephone Services without my knowledge and/or approval. XXXX is contacting myself, Mr. XXXX XXXX to collect on this debt which is NOT mine, but is that of my niece XXXX XXXX and it is having a negative impact on my credit score and  report.I would like for this matter to be rectified as soon as you possibly can. If you need any further information, please do not hesitate to contact my son, XXXX XXXX directly at ( XXXX ) XXXX or myself at ( 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 2019-10-09 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing  department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( XXXX ) bureaus to remove the lates however, I have not been successful.

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 2019-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I got a mortgage loan in XXXX XXXX XXXX XXXX, after having a foreclosure in XXXX, on XX/XX/XXXX, this company transferred my loan to Loancare, a XXXX company in XXXX XXXX, VA. 
I received information about the transfer including fees to make payments. I always pay online and have that service with XXXX XXXX  with NOT fee, however the new loan service Loancare charge fee on every pay option except autodraft, forcing the customer to provide them with routing number ( ABA ) and checking account number ( DDA ) and authorizing them to automatic withdraws every time, so customer will not have any control over those withdraws. 
Special request fees ( see attachment ) : Pay-by-phone ( over the phone check ) up to {$15.00} Automated phone system up to {$15.00} Online Payment fee up to {$10.00} Autodraft fee No fee Loancare did not provided any information about mail payments or bill pay service from my bank ( for this I need a physical address where payments need to be sent, most of the time headquarters address are different that payment address and if it sent to wrong address payment will be late ). 

I would like to know if this is even legal that a company enforce customer 's to share routing number and checking account number as only way to no charging to make a payment. 

I contacted company but they stated that whatever is on the letter applies. I do not want to add {$10.00} every month to loan just to make a payment online ( phone payment are more expensive ). It is like paying {$120.00} dollars more per year so in 30 years adding {$3600.00} dollars to your loan for just one customer just to pay. This is absurd. 

Thank you for your assistance and please help consumer from over pay to this companies.

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 2019-10-09 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX ) and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( 2 ) bureaus to remove the lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: PA

Complaint narrative:
Trans Union XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) has Discrepancy in the High Balance, last Verified date, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 
Balance owed : If this account is a charge off/ collection how will it currently have a balance owed, past due amount ect. 
XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You 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 2019-10-09 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Good day, today I got my new credit report from credit monitoring My XXXX, and I'm still see that XXXX  and Experian still reporting a late payment on XX/XX/2015. When is not a late payment reported in Transunion. These account is been dispute several time, and always came back as verified. How one Credit Bureau report a different information compare with the other two. The only way negative accounts can actually stay on your credit report if it is complete accurate and verifiable.

Also Credit Bureau should get information from the same FurnisheXXXX XXXX XXXX XXXX ) in this case.

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 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
the account was overpaid and they close account they sent me a check for XXXX for the overpayment and then stop payment after the account was closed they continue to send me bills each month that increase each month and I have not made any charge since the account was closed I have been trying for the last six month for them to correct the problem. On XX/XX/2019 I receive a letter from Walmart/synchrony account was sold to XXXX XXXX XXXX XXXX. 
another letter that XXXX XXXX would be servicing the 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 2019-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019, I filed a dispute with Equifax, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, Equifax has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, Equifax has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my Equifax report : XXXX XXXX # XXXX XXXX (  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2019, I filed a dispute with XXXX, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, XXXX has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, XXXX has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my XXXX report : Pentagon FCU # XXXX 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 2019-10-09 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: IA

Complaint narrative:
Experian has a security freeze on my credit report and will not remove it. I have jumped through all of their hoops to no avail. I exhausted all means on line and nothing worked. They claimed they needed more information so I complied and mailed everything they asked for. NO RESPONSE!!!!! I need this resolved as I need to get a loan for my son. It is very important. There is no possible way to speak to a real person on any of Experians contact numbers. I do not feel that a company that is headquartered in XXXX should be able to operate in this country without a phone contact with real people who have the ability to resolve issues. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IA XXXX email : XXXX phone : 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 non-monetary relief