vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-30 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:
On XX/XX/XXXX, I wrote a dispute letter to Experian credit bureau, asking for verification of a XXXX XXXX account thats being reported on my Experian credit report per 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. ( Verification Letter Attached ) The verification letter was sent certified mail and was received on XX/XX/XXXX by Experian. ( Delivery certification letter confirmation attacked ).

On XX/XX/XXXX I received a letter stating that Experian investigation was complete. After reviewing the report, Experian stated that Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ( Experian report page 1 and 2 attached ) After reviewing my report, I did my own investigation and placed a call to XXXX XXXX to see if they had any information on me for this account. On XX/XX/XXXX I placed a call to XXXX around XXXX XXXX and spoke with a representative name XXXX ( AKA ) no employee number was given. He indicated that they have no information on this account, because they sold it to a third party on XX/XX/XXXX. 

After placing the call to XXXX XXXX, I knew that Experian was in clear violation of the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I am very concerned about the validity and accuracy of Experian investigation, as this inaccurate item remains on my credit report, which is a clear violation of the FCRA. If Experian had investigated properly, rather than using a XXXX XXXX, they would have known, that this account does not exist per XXXX XXXX, but Experian claims to have verified this account was accurate. 

It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain the reasons for my dispute is not reasonable.

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 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
THIS COMPLAINT about Unautorized hard inquires left on my credit by the third party after complaint XXXX XXXX, i have a fraud alert on my credit bureau after figure out someone uses my identity to apply for a credit line, so i submit a claim for all creditors run my credit without authorization XXXX was able to locate the following inquiries in our systems. 
XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: NE

Complaint narrative:
A collection account was removed from my credit report from XXXX XXXX XXXX. My credit score did not increase at all for the removal of the collection account from my credit report. This should have increased my credit score by at least 23 points.

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 2020-05-30 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: Long & Foster Financial Services, Inc.
State: PA

Complaint narrative:
This complaint against below Prosperity Home Mortgage LLC run my credit without authorization and left a hard inquiry so i filed fraud alert and claim all creditors run without my authorization to remove hard inquiry due to impact my credit XXXX was able to locate the following inquiries in our systems. 
XX/XX/2018 Prosperity Home Mortgage LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i made a complaint here .. I asked WF for free plain checks after 13 months of being a customer. They refer it somewhere and i get an email saying its being researched. Not sure what needs to be researched its called loyalty. I also complained that my account ending in XXXX was closed. i want it open. its the pandemic GIVE <ME a break i am unemployed and struggling now i know in the one size fits all world no one cares i know this but i do. Everything is so complicated in this bank and should not be. Just give me free checks. BIG DEAL. but it would be to me. Today someone named XXXX XXXX called me from wells fargo her number is XXXX she hung up on me when i was shocked she took my time up to tell me she received my complaint before i could say much she told me she would close it and hung up on me. she absolutely hung up on me. WHY waste my time? why be rude? why do i have to go thru all this? Just help me expeditiously. i want acct ending inXXXX re opened without XXXX. 
please pull the call and listen this XXXX person has no business working for the bank. you dont call a customer to tell me you have my complaint JUST do the right thing quickly it must be to justify her job. but i the customer have nothing but she got paid by the bank to treat me this way

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 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I need to be able to link my checking account to the XXXX XXXX, Pnc has made changes and it has locked me out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS XXXX DOB XXXX XXXX. I was looking over my credit report and notice my XXXX XXXX CREDIT CARD IS NOT REPORTING ON MY CREDIT REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: Franklin Collection Service, Inc.
State: NE

Complaint narrative:
A collection account was removed from my credit report from Franklin Collection Service. My credit score did not increase at all for the removal of the collection account from my credit report. This should have increased my credit score by at least 23 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: NE

Complaint narrative:
A collection account was removed from my credit report from XXXX XXXX. My credit score did not increase at all from the removal of the collection account from my credit. My credit score should have increased at least 23 points from the removal of the collections account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
Somebody created a " Cash App '' account in my name using my credit card information. On XX/XX/XXXX, this criminal sent themselves {$2200.00} from my bank account. I have contacted XXXX XXXX, who is doing an investigation. I have attempted to contact Cash App, which does not have a phone number. In order to email them, you have to have an account. I had to create an account to contact them. I asked them to do an investigation and gave them all my information. After waiting 3 days, they sent me an email today stating some irrelevant information about how to dispute if I didn't receive goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Cavalry claims to have purchased a debt I allegedly owe from XXXX XXXX. I sent a validation letter from the reference # XXXX The only paperwork they have sent in their collection efforts is statement on a credit card billing cycle. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I am requesting the dates and a signed contract showing I have previous business with this companie. 
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA. 
I would like them to cease collection activity with regard to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NY

Complaint narrative:
This is not fair unbelievable I am very mad I mailed my payment 3 weeks in advance its always received before the due date each month and for some reason it got delayed and I was a charged a late fee I called customer service they were very rude with understanding why it was received one day after the due date after telling them the truth I dont deserve to be treated this way Im a loyal good customer I always pay on time and before my due date not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX Discover Card called me to offer me a 0 % credit card for the life of the card because I have good credit. They saw that I had a XXXX XXXX with a XXXX high limit on it. They asked me to transfer the balance from my Chase card to the new Discover Card but I would have to pay a one time fee of {$3900.00} but I told them only if the limit was the same as my Chase card and 0 % financing for the life of the card would I consider. He said the limit would be the same or more. He transferred me to a manager and the manager said you only qualify for {$8000.00} with Discover card. I promptly him that I did not want to continue can you please cancel or don't submit the card he said ok. I received the card in the mail 2 weeks later the APR was 0 % until XX/XX/21 instead of what they told me on the phone which was 0 % for the life of the card as long as you pay your minimum balance on time each month in addition to that my APR would be 22.9 % after the initial period ending XX/XX/21. I called Discover and they were in the process of transferring the maximum amount the new card could hold on the account. So I asked Discover to stop it all. The Agent said they will attempt to cancel the pending transfer to the card and cancel the card all together. I insisted that they provide me with some type of confirmation number or proof that the transactions will occur but the refused to provide me with anything over the phone and there policy was to send a letter in the mail. They transferred me 3 times to different people just to tell me that the will only send me an email in 48 hrs or a letter that will come in the mail in the future. Very disappointed I feel like I was deceived right from the beginning. So in the end I believe they will charge me the one time fee of {$3900.00} and transfer {$4100.00} from my XXXX account to max out the {$8000.00} limit on the new Discover Card. Which means I would've paid them {$3900.00} just to get {$8000.00} maxed out Discover Card. This is predator lending at its finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: I.C. System, Inc.
State: NE

Complaint narrative:
A collection account was removed from my credit report from IC System. My credit score did not increase at all from the removal of the collection account from my credit. My credit score should have increased at least 23 points from the removal of the collections account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: PNC Bank N.A.
State: IN

Complaint narrative:
i was trying to connect my PNC banking account to my XXXX XXXX XXXX, and it would not connect due to changes that PNC have made that hinder the interaction of the two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: RFNA, LP
State: LA

Complaint narrative:
This account was paid in full by court order of wage garnishment. The loan company still reports that I owe them money. The garnishment was satisfied and complete. Should be reported as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: NE

Complaint narrative:
A collection account was removed from my credit report from XXXX XXXX. My credit score did not increase for the removal of the collection account from credit report. My credit report should have increased by at least 23 points for the removal of the collection account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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:
I contacted this company on XX/XX/XXXX regarding why my payments are being reported late on my credit report, spoke with a manager by the name of XXXX who informed me that I was correct my payments were not being report correctly and were not late, that it was due to a system glitch that my payments were being rejected. She informed me that she has submitted a dispute to have the negative remarks removed and insured the issue would not occur going forward. Since then I have been making more payments to my account and loan that are still being marked as late and in collections with my credit report. Im certain my consumer rights have been violated by this company unethical  way of applying my payments and reposting them as past due when they have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: NE

Complaint narrative:
A collection account was removed from my credit report from XXXX. My credit score did not increase. My credit score should have increased by at least 23 points for the removal of the collection account from my credit.

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 2020-05-30 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: The Outsource Group, Inc
State: NE

Complaint narrative:
A collection account was removed from my credit report from Medicredit. My credit score did not increase. My credit score should have increased by at least 23 points for the removal of the collection account from my credit.

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 2020-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Didn't receive enough information to verify debt. 
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA. 
I would like them to cease collection activity with regard to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: GA

Complaint narrative:
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS XXXX DOB XXXX XXXX. I was looking over my credit report and notice my XXXX XXXXXXXX CREDIT CARD IS NOT REPORTING ON MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS XXXX DOB XXXX XXXX. I was looking over my credit report and notice my XXXX  XXXX CREDIT CARD IS NOT REPORTING ON MY CREDIT REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I HAVE THIS CREDITOR ON MY XXXX CREDIT REPORT THAT WILL NOT AND HAS NOT UPDATED THIS ACCOUNT SINCE MY BANKRUPTCY XXXX WAS DISCHARGED IN XXXX OF XXXX. THE OTHER 2 BUREAUS HAVE UPDATED THIS ACCOUNT SEVERAL TIMES AND THE MOST RECENT UPDATE IS WHAT I'VE BEEN TRYING TO DISPUTE AND NOT GETTING ANYWHERE WITH XXXX  AND THAT'S WELLS FARGO HOME MORTGAGE. IN THE LAST FEW MONTHS I'VE BEEN GOING BACK AND FORTH WITH WELLS FARGO AND XXXX TO FIND OUT WHO'S RESPONSIBILITY IS IT TO UPDATE MY ACCOUNT CORRECTLY. LAST XX/XX/XXXX THIS WELLS FARGO ACCOUNT MORTGAGE LOAN WAS PAID OFF AND CLOSED. DON'T KNOW HOW TO EXPLAIN IT OR WHAT, BUT THE OTHER 2 BUREAUS HAVE MADE THE RIGHT CORRECTIONS AND UPDATED THE ACCOUNT. THEY BOTH SHOW CLOSED AND PAID.CI HAD ADVISED WELLS FARGO OF THAT YESTERDAY AND THEY STATED THAT THEY CAN'T UPDATE MY ACCOUNT AND HAVE NO AUTHORITY TO SHOW MY ACCOUNT PAID AND CLOSED. I SAID MY HOUSE HAS BEEN REFINANCED AND I NO LONGER HAVE TIES TO WELLS FARGO PLEASE UPDATE MY FILE AND SEND IT TO XXXX THEY STATED AGAIN THEY CAN NOT. I MENTION TO THEM THAT WELLS FARGO IS RUINING MY CREDIT BY LEAVING THIS OPEN MORTGAGE ON MY CREDIT REPORT. ALL THEY KEPT SAYING IS SORRY AND CAN'T HELP YOU. I SAID SORRY BUT YOU NEED TO DO SOMETHING IF THE OTHER 2 BUREAUS ITS UPDATE LAST YEAR WHEN WE REFINANCED. 
*******PLEASE HAVE THIS FIXED AND UPDATED SO MY XXXX   CREDIT REPORT SHOWS PAID AND CLOSED!!!!!!!!!!!!!!!! PLEASE PLEASE 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 2020-05-30 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: IL

Complaint narrative:
I have been using an overdraft protection app, and my bank PNC has blocked this app from linking to my account. My bank also rearranges my bill pay, and or large purchases to fall off so other smaller bills will come through, such as XXXX or XXXX XXXX monthly fees, ( these types of bills if the money is not there, the service is disconnected it does not cause an overdraft ) so by dropping off a large payment and letting these smaller bills go through, and then posting the large bill or purchase will cause an overdraft. I use these apps for this purpose, and now they have blocked this app. This is not legal, and PNC has class action lawsuits for this, apparently they have not stopped, please help me with this issue. Thank You

Company response to consumer: Closed with monetary relief