vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a complaint with FTC re TransUnion refusing to correct false information on my credit report and to remove same regarding names used, addresses, employers, etc. The complaint Number is XXXX. I performed a dispute with TransUnion, but every email communication came back returned as undeliverable. I disputed each incorrect address, name used, etc and changed my password due to Straffic breaching alert received from XXXX XXXX. The XXXX XXXX XXXX  XXXX on my credit report is a false employee and so is XXXX XXXX. Addresses such as the XXXX XXXX, XXXX XXXX XXXX, XXXX Texas, etc. were never addresses where I lived and there are others Such as past telephone numbers. My last date of employment with XXXX XXXX was XX/XX/XXXX and XXXX XXXX XXXX XXXX is my DBA as a XXXX XXXX, XXXX and XXXX. And TransUnion uses an outside site to upload documents to support your dispute, which never made it possible to upload the same.

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 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Recently cashapp decided to randomly close my account claiming i violated the terms and conditions and when i asked support how i did so they just refused to give me a response and said they practice their right to keep this information closed. I had over 5k in my account when they decided to close it and they instructed me to simply add a new debit card or bank to cash out my remaining funds mind you the previous card i had on it was taken off because i lost it. The app wont allow me to add any sort of new banking information and Ive sent countless emails to support for days on end with no response to help me with this problem but support replied to my email regarding my closed account immediately to tell me to go XXXX myself. This company and their support are a joke and dont care about the consumer or how much money they could possibly lose. Im almost certain they closed it due to a large deposit made into my account that was from my unemployment and now i cant use any of the money that was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: FinCo Services Inc DBA Current
State: MA

Complaint narrative:
I opened an account in XXXX of 2020 With current online banking I had money in my savings pod and my account was randomly suspended within the same month with no explanation at least 400 $ i contacted customer support via email numerous times and have gotten no response it is now XXXX Ive only received an automated email stating someone from the support team will beach out to me and no one has

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Scam : XXXX XXXX called me from omemainfinancial. He sold a 4 year loan at 9 %. He had my full name, address, routing number, name of bank, home address. While I'm the phone He emailed me a contract to confirm terms and confirmed I could afford payment. Asked what it was intended for, seemed reasonable ... Untill the very last thing he asked " I need you user name and password " to deposit check via mobile deposit. That's when I stopped. He said that Covid19 prevented his staff from doing deposits so they must be done via mobile deposit. I hung up. 

He had much of my info, very much. Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I caught PayPal redhanded charging me for items yes, that I did buy. But then they charged my bank account also, a few years back. Then they wanted another credit card account number that they could charge and again, they did the same thing. I did happen to resolve this issue, even at a loss of credit/money on my part. But now I made a XX/XX/2020 payment and my account does not reflect this payment, although it can be proven by my bank account. I was just getting ready to make another payment, but not until they post a credit on my account for the month of XXXX. These people will not answer their phones, I tried messaging them on their page & XXXX. They have not responded. Just a robotic automatic response. No live person.

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 2020-07-03 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: PA

Complaint narrative:
PNC will NOT allow electronic transferring of money. They make it IMPOSSIBLE to remove money from their accounts. They limit the amount to XXXX per day and XXXX per month. They lie saying it is a security risk. It is not. 

I am NOT eligible for grants because PNC will not accept electronic handshakes. See attached image ... this is a grant I qualify for but can not get because of PNC bank 's greed in not allowing online transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: CA

Complaint narrative:
***XX/XX/XXXXI placed an order with XXXX XXXX XXXX . I have dealt with this company for many years. 
***XX/XX/XXXX The payment of {$330.00} was paid on my Barclay Bank Visa to XXXX XXXX XXXX . 
XXXX tried delivering the package before the store opened ( new driver ). We asked XXXX to hold our shipment and we would pick it up, they agreed but an employee mistakenly sent it back to XXXX XXXX XXXX. The tea company was going to reship it immediately back to me but it was left in their warehouse by mistake. I then called Barclay Bank to hold the funds because it was approximately two months since placing the order. 
XXXX XXXX XXXX XXXX  reships the order. I called Barclay to release the funds. 
XXXX I called XXXX XXXX to say the order arrived, they said they had not received their money. I assure them that Barclay Bank said they would release they money. I had placed several calls to Barclay Bank asking why it was taking so long to release funds to XXXX XXXX XXXX. 
XXXX I called Barclay after hearing from XXXX XXXX XXXX to tell them they had STILL not receive funds. The representative said he recommends I give them a different credit card because Barclay Bank already refunded me back the money. I them took the advise and gave a different credit card to pay for my merchandise. 
XXXX Barclay charges me for {$330.00}. I call them and they explain they have deposited it back to XXXX XXXX. I tell them what the last person from Barclay Bank advised regarding giving a different credit card so would they please refund my money back to me. He tells me to have XXXX XXXX XXXX write a letter stating their side of things and fax it to Barclay Bank. 
XXXX XXXX XXXX XXXX  sends me a letter stating all the facts. 
XXXX I fax the letter to Barclay Bank . 
XXXX I called Barclay Bank and spoke with XXXX  . He said to wait because it may take time to decide whether they would return my money back to me. 
XXXX I receive a letter from Barclay Bank refusing to return my money and the representative said the returned it to XXXX XXXX on XX/XX/2020. I called Barclay Bank, spoke with XXXX and asked to speak to a supervisor but like the MANY past phone calls I have made, I get disconnected! 
XXXX I called the Accounts Receivable and Credit Manager ;  XXXX XXXX whom I have dealt with all along to ask once again if they received back the {$330.00} as Barclays insists. She again said no. 
XXXX My husband said to call a branch of Barclay Bank  because I was having such difficulty in communication. I called the branch in XXXX XXXX, CA. The man whom I spoke with said, There is no one to speak with, no one at all.

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 monetary relief
Consumer complaint received 2020-07-03 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: PA

Complaint narrative:
XXXX XXXX XXXX is being reported inaccurately on my report. I contacted XXXX XXXX to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me

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 2020-07-03 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: PA

Complaint narrative:
XXXX XXXX  XXXX is being reported inaccurately on my report. I contacted XXXX XXXX to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: PA

Complaint narrative:
XXXX XXXX XXXX is being reported inaccurately on my report. I contacted XXXX XXXX  to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me

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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently paid off a truck loan ( XX/XX/XXXX ), activity was reported on XX/XX/XXXX and XXXX dropped my credit score 23 points without reason or explanation. I called XXXX  XX/XX/XXXX @ XXXX to inquire and XXXX, the customer service representative acknowledged that she don't know or understand why. As an XXXX American  male I've been a victim of this kind of discrimination for years and I need answers.

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 2020-07-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently paid off a truck loan ( XX/XX/XXXX ), activity was reported on XX/XX/XXXX and XXXX dropped my credit score 23 points without reason or explanation. I called XXXX  XX/XX/XXXX @ XXXX to inquire and XXXX, the customer service representative acknowledged that she don't know or understand why. As an XXXX American male I've been a victim of this kind of discrimination for years and I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover, without my authorization, signed me up for Payment Protection and have charged me over {$3200.00} since XXXX. I have asked to be refunded the full amount and they said they would only return the past six months. I struggle every month to pay my bills and they have taken advantage of me. I also know that there was a class action lawsuit which they admitted no wrongdoing. What concerns me is that Discover continued with the unauthorized program after they were caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: TX

Complaint narrative:
I continuously dispute 2 of the collections on my account. Provided documentation that the account I have was paid off and cancel but for some reason the debt collector XXXX XXXX XXXX thats collecting for XXXX XXXX is saying I owe {$630.00} and XXXX XXXX XXXX stating I owe {$720.00} which is fraudulent. I contacted XXXX XXXX directly and asked if I owed anything or do they see any old accounts in the system. She did a through investigation and check with My personal information looking for this information. She was able to pull up my old account but it was showing paid by me. She even sent out a bill copy that was requested in her back office to get this sent out to show I didnt owe anything and everything is good. The only account I have thru XXXX XXXX XXXX is XXXX and XXXX internet service ... No XXXX XXXX. The old Accounts I had with XXXX XXXX at different addresses showed I transferred service and no balances. Sent my documents in to all 3 credit bureaus and seem like they look at the other credit bureaus and say its accurate. I even requested documentation and dates which the credit bureaus dont ever send to me. Now at one point it was remove 2 years ago and than added back this XX/XX/2020. The debt collector XXXX ( XXXX XXXX XXXX ) also popped up on my report in XX/XX/2020 as a new account. I disputed this one as fraudent a couple years ago and they deleted but it came back up in XXXX as a new account they XXXX XXXX I never had no account with XXXX XXXX and havent borrowed or got a pay day loan for no amounts. For me to get a mortgage loan I had to forcibly settle with this unknown company because the credit bureaus wouldnt take it off my report. I asked also for documentation and dates and etc. even these so call late paymentS and no one will send me anything! Im sick and tired of fighting back and forth with these unknown companies and credit bureaus that I had to make a complaint and on top of that wasted money that could of been on my children. Police Report was made with XXXX PD in Texas for fraud and stolen items. Report number 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