vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: LA

Complaint narrative:
On XXXX XXXX I received a collection notice from AFNI COLLECTIONS in regards to doing business with XXXX XXXX XXXX  XXXX in the amount of {$7000.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692k CIVIL LIABILITY consumer is requesting {$1000.00} USD for violating me directly and causes of mental confusion and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a claim with bank of America XXXX XXXX  for theft of my first card and they auto denied my claim.i never received my first card because someone stole it and used all my XXXX XXXX.all the transactions that before XX/XX/XXXXare done by whoever stole my card.when I found out that I can file a claim and I filed the claim.i just received a letter from them saying that they denied my claim.they don't have no reason to deny but still they did.i even told them that m ready to provide them with whatever they want but they are not listening.when I ask them the reason then they don't have any answer.so please help me with this.i never received any help during the covid and now when I found out that I can get my money back they rejected my claim.so plz help me out with this I will be really grateful.thank u

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 2021-12-03 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: GA

Complaint narrative:
I have a lot inquiries on my credit report, I sent I called Equifax about 8 times over the last XXXX months about these inquiries. I sent in my FTC report to them along with my identification as requested. Every time i call and follow up about the inquiries they tell me they don't have any documentation on file for me. I am fed up with the XXXX that they are pulling! They are not intentionally keeping these items on my credit report to continue to make money off of these negative remarks while i'm over here being abused and getting denied for thousands of dollars in credit. I asked for an investigation to be launched to find out what is happening to my documents that I am sending them and they tell me they don't have access to the back office to look for it. What XXXX back office? How the XXXX can someone add these things to my report with no problem but when i call they give me the hardest time about my XXXX. I spoke to XXXX XXXX ID XXXX the department supervisor and he states that there is no other way for them to assist me without a FTC Report on file. He also stated that he can not investigate what happened to my documents and that the FCRA requires the FTC report in order for them to delete the inquiries which is a XXXX XXXX lie. There is no way that they did not receive not XXXX of my XXXX copies of my FTC report! Are they throwing them out? is this a tactic to continue to prey on consumers that work hard to make a living?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WESBANCO BANK, INC.
State: WV

Complaint narrative:
Wesbanco upgraded their online banking software in XXXX. Ever since then, I have had several issues accessing my account, and encountered several late fees because their upgrade caused ALL electronic payees to be re-entered. I lost access to my account for XXXX days straight, of which e-bills were " lost ''. Wesbanco claimed it was my responsibility to re-enter those, but how could I when the bill was already an e-bill, and was to be delivered to their XXXX XXXX system? Fast forward to yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ), where I can not access any current transactions, all activity is from XX/XX/XXXX. I can not see deposits and it showed my account with a negative balance although I had deposited money and transferred money in from another account. I have tried contacting them, and have saved messages between myself and Wesbanco. They use the same excuse over and over that it's a problem or " feature '' of the new system. Please advise. I will attach a message from today 's communication with them, but I do have others highlighting the issues from the initial system upgrade. Thank-you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2021 I closed my checking and savings accounts with PNC Bank. I authorized a check in the amount of my full remaining balance to be mailed to my home, as well as all sufficient paperwork that explicity states that the accounts are closed. I received all of that, the check was in the correct amount, and I also received a final statement that shows a balance of {$0.00}. 

On XX/XX/2021, I received an email from PNC Bank with a warning my checking account was overdrawn. I was able to log in to my online banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I saw that PNC had charged me a month service fee of {$13.00}, which is issued for not having the minimum balance in the checking account ( {$500.00} ). Of course I wouldn't have a minimum balance because the account was closed on XX/XX/2021. However, the online statement showed a balance of {$0.00} on XX/XX/2021 -- XXXX days after my account was closed, with the memo " Interest payment ''. 

I called a local PNC branch and the banker could not provide an explanation as to why there was XXXX XXXX put into my account, and why it was still opened. He issued me a check for the XXXX and ensured that the account was now closed. I asked for him to send a paper document to my home that would confirm the new closure of my account, but he said that they don't have anything. 

I think it needs to be investigated as to why my account was reopened with XXXX XXXX in order for PNC to charge fees. There should have not been an interest payment because the account was closed and there was no money in it for them to even issue interest in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I contacted XXXX regarding the billing error on my account with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. 
Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. XXXX continues to furnish this innacurate alleged information. 

I also stated that I so do believe I am a victim of XXXX identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. 

On XX/XX/XXXX I called XXXX to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: MI

Complaint narrative:
On XX/XX/XXXX I contacted XXXX regarding the billing error on my account with XXXX XXXX, pay pal credit card, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. 
Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. XXXX continues to furnish this innacurate alleged information. 

I also stated that I so do believe I am a victim of XXXX identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. 

On XX/XX/XXXX I called XXXX to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.

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 2021-12-03 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2021, I logged onto XXXX to obtain a recent copy of my credit report. I was denied a credit report due to an open dispute. It has in fact been 30 days since I mailed the dispute. I have received no communication from Transunion to state that they received my dispute, that an investigation has begun, etc.

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 2021-12-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and XXXX have gotten into the wrong hands.

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 2021-12-03 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I recently received my XXXX credit report and noticed inaccurate reporting on my file. 

You are reporting this collection account as an XXXX XXXX XXXX XXXX as well as a PAST DUE BALANCE, which is not under FCRA XXXX. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletion has been removed. 

ACCOUNT NAME : XXXX ACCOUNT NAME : RESURGENT RECEIVABLES LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX  XXXX balance. Account number XXXX XXXX balance XXXX XXXX account number for XXXX XXXX XXXX I dont owe these Ive despited to the bureaus no proof of debit. I need these removed asap its hindering for financing home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Can you please run an investigation because the company is unheard of, the balance is unknown and the number is off?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the WELLS FARGO with the account number XXXX still remains on my credit report in violation of XXXX XXXX. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2021-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: FL

Complaint narrative:
This was a loan of {$12000.00}, with {$7200.00} to be sent to a creditor to pay off a loan balance and {$4200.00} to be sent to my bank for my use, and also included a {$600.00} fee. I was notified by email XXXX XXXX that " on XX/XX/XXXX payments totalling {$7200.00} were made on my behalf '' to the accounts I selected as part of the balance transfer and the {$4200.00} would be deposited into my checking account. The {$4200.00} was indeed deposited within XXXX hours. As of XX/XX/XXXX, the balance transfer of {$7200.00} has not been received by my creditor, XXXX. During various phone calls I have been told the transfer was made by check, it was sent the XX/XX/XXXX ( later told it was sent XX/XX/XXXX ), would take XXXX days, then XXXX days, then XXXX weeks and has now been XXXX days. Can not get any phone calls or emails from Lending Club, can not get them to cancel the check and make the transfer via XXXX or any other action. I am being charged interest on a loan amount of {$12000.00} although neither I nor my creditor have received {$7200.00} of that total amount. Absolutely the worst service I have had from any financial company. Have contacted them at least XXXX times with still no resolution other than they are " looking into it '' and will get back to me ASAP which they never do. It is absurd that I have to pay them interest on loan proceeds I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: PENTAGON FEDERAL CREDIT UNION
State: KS

Complaint narrative:
Started an application with Pen Fed Credit Union for XXXX XXXX XXXX around XX/XX/2021. Started the application through XXXX and they pushed me to Pen Fed as my best Refinance choice. Both of these places had application processes that asked where your income comes from. On both application processes I told them about both of my jobs including a XXXX job and a XXXX XXXX job and listed my incomes for each. Never were requirements for the application to be approved given. My income etc. automatically qualified me. Pen Fed then returned with requirements that my self employed income be verifiable for XXXX years through tax returns. Where are these requirements listed and given during the application process? I provided bank statements, account transfers, ledgers for my business and my personal income and a letter from my employer. None of this was good enough. Pen Fed ran my credit when it was unnecessary. There is no reason these requirements should not automatically be provided when I input self employment income into the application.

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 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
I was recently release from prison and reviewed my credit report and notice that there were collections that I am not responsible for. I am a victim of idenity theft. I have attempted to reach collection company and have not recieved a return phone call. I made a effort to call on XX/XX/2021. Below is a copy of the collection and information. 

AFNI, INC. 
Original creditor : XXXX {$350.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$350.00} {$350.00} Payment Info Original balance {$350.00} Balance {$350.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX XXXX internal collection department Status date XX/XX/2021 2021

Company response to consumer: Closed with explanation