vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit information is being reported as delinquent, when I paid it off years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit information is being reported as delinquent, when I paid it off years ago.

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 2020-06-13 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 connect my XXXX account to my PNC checking account but they are blocking access to it. They refuse to let me connect to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Friday XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The bank blocks/ restricts certain apps such as transferring money. This shouldnt be allowed to restrict me from using or transferring money easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it 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 2020-06-13 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: Synovus Bank
State: MI

Complaint narrative:
Secured credit card FIRST PROGRESS CARD states a charge off but card was secured with my deposit of {$300.00} and account was closed. Incorrect reporting Account closed in 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: MoneyLion Inc.
State: GA

Complaint narrative:
Doing business with MoneyLion has turned into a nightmare from the poor customer service, poorly functioning app, lies, and now reporting errors to my credit file. MoneyLion makes claims regarding the app but it barely functions as it should, I previously had issues taking out a new loan via the app because of it not functioning correctly and giving me errors. I have never been able to successfully make payments of any kind via the app due to errors stating : " It's not you, it's the internet. '' when it's not a device or internet issue. However, on XX/XX/2020, I spoke with a condescending manager who processed my payment in full for my MoneyLion Loan # XXXX. As of today 's date, I received an alert from Transunion that XXXX has reported my account 30 Days Past Due with a {$86.00} balance. This loan does not have a balance as it was paid in full and there has not been a 30 Day delinquency. I also still have yet to receive resolution regarding my XXXX Limit that was {$210.00} not reflecting correctly within the app. Currently, my XXXX is saying that I have a {$0.00} Limit when it should be {$95.00} out of {$210.00} remaining. The {$95.00} that was taken out, was repaid XX/XX/2020. This didn't become a problem until I received an email form a manager by the name of XXXX. Also, my XXXX reward was not paid or deposited into my Investment account for the month of XXXX. I also had to deal with my money not being accessible in my XXXX account due to not being unable to unlock my debit card via the app with no warning from XXXX on XX/XX/2020. These problems are ongoing and unacceptable. I had no one to speak to and this is why I would never direct deposit my funds into this account. If I was stranded on the side of the road, my money would have done me no good as in this account, there was no way for me to access it. MoneyLion has failed to address these ongoing issues properly. There is never a way to reach anyone when you need someone and if and when you do get someone on the phone from customer service, they are no help, they lie, and basically serve no purpose. I scheduled a callback on MoneyLion 's youcanbook me link and no one ever called. The lists of problems keeps growing and growing. I spoke to a gentlemen by the name of XXXX XXXX who appeared to understand that all of the problems that I have been experiencing are no fault of mine. However, the issues have not been resolved and I understand that the issues are not XXXX XXXX 's fault. However, my experience with MoneyLion is beyond unacceptable. This is becoming a nightmare and this company needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the XXXX data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/2020, I contacted Chrysler Capital requesting a deferment of my loan payment due to the events surrounding the COVID-19 epidemic. I was told by the representative that I would be able to defer for three months and the paperwork would be sent to me in the mail. On XX/XX/XXXX my monthly invoice noted that I was 2 months late. I immediately called Chrysler Finance and was informed that the the representative never initiated my deferment. I was then told that it would be initiated during this call and I agreed to make the XXXX payment in lieu of my financial situation. They again reassured me that the paperwork would be sent. I called on XXXX to check on the deferment status and was told for a second time that the deferment was not initiated by the second representative and that my account was 59 days delinquent. I then asked to speak to a supervisor. The supervisor said that they would investigate the matter further and get back to me on the following next business day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
During Covid my husband who is the primary and Im the cosignor called XXXX  XXXX asking for payments to be deferred because Im XXXX XXXX and he is military. Im the head of household. XXXX XXXX stated they would review and not to worry and this was XX/XX/XXXX roughly. We never heard back until we received a late notice letter stating we were 40 days late. We called again on XX/XX/XXXX and a representative apologized stating she would send a letter for us to sign asking for the deferment. No letter was ever sent as of XX/XX/XXXX. We called the morning of XX/XX/XXXX to learn that representative did nothing as of yet and our account is now 59 days late. We spoke to someone named XXXX XXXX who stated he was a supervisor in collection XXXX id number. He stated he would now forward to the office of the president but wouldnt provide us with a contact number to follow up. As a cosignor no one called and he stated I requested that no one called me. I advised that was false due to my husband being in military I have to be called which I argued with then about that 2 years ago when he was XXXX and that never called me. We really need help. It appears they are doing us harm again with this tactic. They are rude and have impacted my finances as a business owner by not helping him while ruining me with the passive comments such as we dont know why they didnt mail it. Please help In addition, in summer of XXXX my husband provided them with his XXXX letter and as a result missed a payment l. He showed a letter from his commander. They stated that it wasnt good enough and reported both of us to the credit bureau. I got involved because Im the cosignor and they never called me. I complained and they told me that they would later notify me moving forward. Ironically they did even when payments were made or etc thereafter. Suddenly they have me as a no contact for XXXX. Ive been trying to still address that XXXX issue since XXXX. The recent incident with covid relief is now impacting us for this company purposely has failed to do thier job after speaking to us on a recorded line, per the representatives, to provide us with help. We no longer can deal with this company and now must find legal help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received an email from Chase.com yesterday XX/XX/2020 at XXXX alleging that I recently deleted my phone number from my Chase mobile account. Since I did not do that, fearing fraud, I immediately attempted to login to my account at chase.com. Upon entering my password, a message appeared that my account had been locked and to call the provided number XXXX. I called and after some time with a customer service rep was told that my accounts were closed with no notice, recourse, access or explanation. I now, during a pandemic, lockdown, riots and everything else, do no have my funds to live, eat, fuel my car, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Ive found several errors on my credit report that I've disputed several times with no change to my credit reports. It's my understanding that as a contracted data furnisher, youre legally required to only report AUD cerified completely accurate information according to the FCRA and reporting inaccurate incomplete information across the credit reporting agencies is a violation. 

SantanderConsumer USA Account # XXXX Santander Consumer USA Please be advised this is my Third WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify and validate that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
I'm not accepting a statement of this account being verified and validated, but would need validation verification. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
XXXX previous complaint number. 

This issue was to be fixed after be restricted for 6 months. 
Still can not use card. Tried to make a charge and declined twice. Contacted Apple Card after about half hour and a few different people no one knows anything or could fix it said they would work on it. Still not heard back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received a debit card from Citi Bank that I did not order nor do I have any accounts with citi bank

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX my identity was stolen to purchase a cell phone at a XXXXPrior to my stolen identity, My credit score was about XXXX with equifax.Because of covid 19, my credit score went down.Now that my identity was stolen to purchase a cell phone my credit score went down again to XXXX.I disputed the XXXX account/trade line many times.Finally, after XXXX did there investigation, they found that my identity was stolen and issued me a letter.I sent the letter to Equifax disputing the unathorized account again.Recently, equifax finished there investigation and deleted the account on my credit report ( confirmation No. XXXX ) .Now that the XXXX account was deleted, My FICO/credit score stayed the same.My FICO score should have immediately gone up because of the  Deleted trade line

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the XXXX data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.

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 2020-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
On XX/XX/2020 I received a call from a woman who identified herself as an employee of Regional Finance and inquired when I will be paying the loan they have in my name. I never took a personal loan from Regional Finance and had never heard of the company so I told the woman exactly that. She nonchalantly told me " ok I'll transfer you to fraud '' as if this happens every day! XXXX XXXX answered the phone for the fraud department. She informed me I need to fill out & get notorized an affidavit stating I had no involvement with the loan and give her a copy of my license and a police report. So I did all of that the same day ( XX/XX/20 ). I also filed a dispute with XXXX. 

About 2 weeks later I received something in the mail from Regional Finance. When I opened it I discovered it was a packet asking me to get an affidavit signed and notorized stating I had nothing to do with the loan. At this point I can only assume XXXX did nothing with the information I gave her. I called Regional Finance to ask them if they had any information or status on the dispute I already filed -- there was no one there because of COVID-19. So I filled all the paperwork out once more and mailed it to Regional 's HQ in XXXX, SC. 

On XX/XX/XXXX I was informed that XXXX  deemed my loan as " accurate ''. There is no information as to how or why that happened. There is no one available for a phone call. Their " help bot '' only directs me to the dispute center when I try to receive more information. So I filed another dispute. On XX/XX/XXXX, I also lost that dispute. 

At this point I filed a complaint with the Texas Attorney General and waited to hear back. It is now XX/XX/XXXX and I have heard nothing ; but I received a notice that " my '' Regional Finance account has been updated to delinquent status. I did not take out this loan so I will not pay for this loan. 

I need this removed from my credit report and rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the Equifax data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the XXXX  data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.

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