vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Id like to transfer money to XXXX for a car that Im purchasing but pnc bank will not allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TX

Complaint narrative:
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked for XXXX  XXXX XXXX XXXX to provide ALL OF THE FOLLOWING : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 

AND 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( XXXX  XXXX ) the exact amount claimed of {$1500.00}. They also placed a remark on my account stating, " Account information disputed by consumer, meets FCRA requirements. '' No, this does NOT meet FCRA requirements if you FAILED to provide me all of the information that I requested. On multiple occasions, they failed to provide me with " HOW '' they validated the debt that I supposedly owe them. 

Also, the FCRA states that all data being reported must meet specific criteria such as : 1 ) information being 100 % timely, 100 % accurate and 100 % verifiable. If they couldn't verify the debt properly, how does this meet FCRA requirements? This is clearly a violation of my rights as a consumer, therefore, against the laws. I have no contractual obligation to XXXX XXXX XXXX XXXX, therefore, not owing them any debt. 

I've sent them letters ( And to the Collection Agencies ) dating back to last year and these dates are as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2020-06-19 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: TX

Complaint narrative:
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked for XXXX XXXX XXXX XXXX to provide ALL OF THE FOLLOWING : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 

AND 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( XXXX XXXX ) the exact amount claimed of {$1500.00}. They also placed a remark on my account stating, " Account information disputed by consumer, meets FCRA requirements. '' No, this does NOT meet FCRA requirements if you FAILED to provide me all of the information that I requested. On multiple occasions, they failed to provide me with " HOW '' they validated the debt that I supposedly owe them. 

Also, the FCRA states that all data being reported must meet specific criteria such as : 1 ) information being 100 % timely, 100 % accurate and 100 % verifiable. If they couldn't verify the debt properly, how does this meet FCRA requirements? This is clearly a violation of my rights as a consumer, therefore, against the laws. I have no contractual obligation to XXXX XXXX XXXX XXXX, therefore, not owing them any debt. 

I've sent them letters ( And to the Collection Agencies ) dating back to last year and these dates are as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: TX

Complaint narrative:
I am disputing the debt as reported by ENHANCED RECOVERY CO L for {$260.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
On XX/XX/2020 this new alleged collection account appeared on my credit report. I didnt receive anything in writing about this debt. I have no knowledge of this collection account this account do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Tried to access my account with PNC to set up a XXXX XXXX XXXX. I wanted to link up to transfer funds, but even though I had my account info correct it would not let me. this was being done through the XXXX XXXX XXXX. After entering correct access info several times the network prompted me to file a complaint with your agency. So I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: MI

Complaint narrative:
I sent them a letter asking to send me verification that this is my debt i have a common name i have mail coming to my home from a person same name as me. There debt was merging to my file. I have sent 2 letter to this company asking them to send documents stating who there are they keep sending me the same computer generated documents they are fake and fraudulent. I need this removed off my Credit report this is hurting me from getting credit in this pandemic to feed my family. This company is taking advantage of people during these hard times. There saying i owe. XXXX dollars for a cell phone bill float from almost 7 years ago. I never had a phone through that company I have been on my mother phone plan XXXX. Since 2001. The documents they sent me are payments being taking out of a account thats not mines. the docs are fraud who charges a credit card everyday for a payment thats not real.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: AL

Complaint narrative:
I realized my debit card had been stolen through the GoProgram AL Child Support. I was able to immediately cancel the card but I could not dispute any of the transactions that occured through my online account or through calling them to dispute the transactions. I tried to call the number multiple times to other ever get a recording saying " we are experiencing heavy call volume. Please try again later. '' I tried to call my local DHR and they told me they had no other way to help other than to keep trying the same number. I tried to call XXXX XXXX, who issued the card. They told me they only issued the plastic and again I would have to contact GoProgram directly. It has been a week now and I still not can not get anyone to answer my calls. I had almost XXXX taken out of my account and I can not get any of my funds back because no one answers. 
The transactions that were made were : 1. XXXX {$14.00} XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX  {$340.00} XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX {$120.00} XX/XX/XXXX 5. XXXX {$30.00} XX/XX/XXXX 6.XXXX ( 4 transactions on XX/XX/XXXX ) {$27.00}, {$19.00}, {$13.00}, {$15.00} 7. XXXX {$20.00} XX/XX/XXXX 8. XXXX XXXX XXXX {$27.00} $ XX/XX/XXXX 9.XXXX XXXX {$21.00} 10.XXXX XXXX XXXX {$10.00} XX/XX/XXXX 11. XXXX XXXX {$15.00} XXXX 12. XXXX XXXX XXXX  {$110.00} XXXX 13. XXXX   {$33.00} XXXX 14. XXXX  {$8.00} XXXX 15.XXXX {$11.00} 16. XXXX   {$21.00} I did not realize my card was stolen until XX/XX/XXXX when I signed into my mobile account. I was able to cancel the card immediately. All of these transactions happened in XXXX, GA, XXXX, GA and some were even in New Jersey. I live in Alabama. The total amount of money stolen from my account is XXXX. I can not believe I have spent over a week calling over and over again everyday and there is no bank associated with this " goprogram '' or no kind of customer support that answers the phone. It also frustrates me that I can not dispute any of these transactions online. There is a button for it on my account but it does not let you click it. It just says if you suspect fraud, call immediately. Well calling immediately does no good if no one can answer the phone. I just want the money back in my account. Please help!!! I do not know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This company treated me horrible after weeks after submitting my Uber application their security center requires me to send each time documents to verify my identity by mail which I sent and finally today I was approved after calling them to confirm theyve received them and was approved for only XXXX not only this bothers me is that I get so little when I have good credit I have credit lines in XXXX and higher and they only give me {$250.00} they dont even offer the Uber card any longer and their card technology I dont understand why this bank lacks card technology latest like many us banks have started migrating over to contactless they dont offer it or even know what it is but Im the XXXX they offer it to everyone how is this fair but in the USA they dont when will Barclays get up to date they say they will but never do time for them to iodate their card technology I also want a higher line

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 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
on XX/XX/2020 I sent to Equifax a certified letter Detailing my private information. I told them I had only the information of : Name : address : Phone : DOB : SS # : Work : And that no other past information was to be reported because I can only be reached at the current information provided. 

With this letter, I sent a second letter detailing companies who affected my credit by pulling credit inquires without my written permission and none of these issues have been fixed. 

I have called several times and even tho they state they have been fixed when they send me a new credit report the information is still showing. 

Attached is the first set of letters. I have sent a second set of new credit inquires which has not been responded to which I will file at a later date when the 30 day mark is reached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: CA

Complaint narrative:
I contacted this company via XXXX because of an error on my report. The account is resolved but yet it is still reporte only to find The company is CLOSED and the agency XXXX will NOT release the error from my report. XXXX XXXX has confirm the amount as XXXX and should be removed however it is being being report by XXXX According to FCRA it is error and should be deleted from my report. They can verify the account because the business CLOSED and XXXX XXXX has not authorized the release because of the absence of receiving a response from a company whom is CLOSED for business confirmed via the XXXX. See below. ********************************************************************************************** RE : Complaint ID # XXXX Dear XXXX XXXX : Thank you for contacting XXXXXXXX XXXX XXXX serving the XXXX XXXX ( XXXX ) for assistance with resolving your dispute regarding XXXX XXXX XXXX XXXX. A copy of your correspondence was forwarded to the company ; however, XXXX was unsuccessful in reaching the company for a response due to one of the following reasons : The company has confirmed to be out of business The company is believed to be out of business The company can not be located At this time, XXXX regrets to inform you that we can be of no further assistance. If you wish to pursue this matter further, you may try contacting your local Attorney General 's office or the Bankruptcy Court. The company 's XXXX XXXX XXXX has been recently updated and is available online at XXXX, or by calling. XXXX appreciates that you took the time to contact us. Your experience with the company will be kept in XXXX files for three years as part of this company 's record. Regards, Your XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
We have done business with a bank for more than several years, and have had a money market fund the entire time. That account included transactions by check, EFT, and checks issued at a branch. Being a money market fund, we abided by the restrictions of Reg D. We recently ran out of checks for this account, and have been refused in our attempts to order checks. 
Since this has been a demand account from its inception, with check access in place the entire time, I refuse to believe it is within my bank 's right to restrict access to MY funds in this manner, especially in light of the fact that applicable regulations were abided by, even with check access to our account. I will be glad to pay the bank 's price for checks, but I have not been offered that opportunity. The manner in which we conduct our household business has been built around check writing and transfer ability from all of our PNC/ banking accounts. That my bank would restrict such responsible money management abilities is troubling. 
It smacks of restraint of trade to think that a financial institution could restrict access to a customer 's money by disallowing a common instrument of commerce-A CHECK!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive completed approximately 5 or more disputes with Experian regarding a Chapter XXXX Bankruptcy reported to my credit. This public record does not and has never belonged to me. After disputing this multiple times, I filed a complaint with CFPB and as apart of Experians response they cited that have yet to complete the dispute and was awaiting documents. Experian has expressed during a verbal conversation that they receive all data from XXXX XXXX. After requesting XXXX XXXX to investigate this inaccurate public record, they swiftly and accurately removed it. I sent correspondence of this to Experian along with my Drivers License and FTC and Police Repor. On XX/XX/2020, I received dispute results reading that they are unable to remove it and that the company that reported to Experian has certified that this is accurate. Referencing back to my previous statement, I was told that this information comes from XXXX XXXX. XXXX XXXX HAS NO RECORD OF THIS IMFORMATION. Experian has taken this opportunity to target less than credit worthy and possibly XXXX American people in maintaining inaccurate information to disable the ability to be exposed to better credit and life opportunities.

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 2020-06-19 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: LA

Complaint narrative:
XXXX XXXX is saying I owe them XXXX dollars but I have never purchased anything from them. They put this is in here in XX/XX/2020. It's also saying the bill is late. I don't know who they got this information from but this is not me. They are messing my credit up and I am trying to get it straight. Can you please contact me as soon as possible regarding this matter.

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 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: American Consumer Credit Counseling, Inc.
State: NH

Complaint narrative:
I signed up with American consumer credit counseling back in XX/XX/2018 to help put my credit card payments into a debt management plan making one lump sum payment and lower interest rates on my cards. After 5 months I was still being reported as late and damaging my score severely the company insisted it was my fault and continued taking my money monthly and doing nothing. Causing my score to tank. Horrible service

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
on XX/XX/2020 I sent to XXXX a certified letter Detailing my private information. I told them I had only the information of : Name : address : Phone : XXXX : SS # : Work : And that no other past information was to be reported because I can only be reached at the current information provided. 

With this letter, I sent a second letter detailing companies who affected my credit by pulling credit inquires without my written permission and none of these issues have been fixed. 

I have called several times and even tho they state they have been fixed when they send me a new credit report the information is still showing. 

Attached is the first set of letters. I have sent a second set of new credit inquires which has not been responded to which I will file at a later date when the 30 day mark is reached

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 2020-06-19 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: NY

Complaint narrative:
XXXX XXXX Mastercard owned by Barclays, ending in XXXX, failure to remove a charge billed on XXXX, XXXX, XXXX for XXXX on XXXX XXXX for a cancelled flight by XXXX and US for dates XXXX. And failure to remove a charge of XXXX dollars for a charge to XXXX. Barclays charged me twice, once in XXXX on both charges and again in XXXX on both charges.. Barclays is no stranger for violation of credit laws. In XXXX I made purchases with my XXXX XXXX XXXX cards ending in XXXX, and XXXX, for failure to receive XXXX bonus points for every XXXX dollars purchased. I spent XXXX dollars on XXXX XXXX Purchases.. Never received the bonus points as stated.. They were not down payments. Barclays thinks this is very funny, because they think they will not get in trouble. Plus the reps have be very nasty. When you reach them after long wait times, they just hang up. Shame on Barclays. Thanks

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 2020-06-19 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: OH

Complaint narrative:
Experian continues to lower my score each time i submit a dispute about account with XXXX XXXX XXXX. The account has been delinquent 10 yrs and they are allowing the creditor to to still report even though acct is 10 yrs old n experian isnt asking for proper records showing the account has been deliquent for 10 yrs. and experian can not explain to me why they continue to lower my credit score with disputes n no changes to credit report at all. Experian is completely fraudulent in lowering my score and i feel they are doing it with no just cause and maybe should have a class action lawsuit against them. They lower my score 17 points today with no reason why? N 8 points last week no explanation. Theres no changes. I need answers and need experian to fix this and make it right.

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