vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: TX

Complaint narrative:
* XXXX was notified of maturing PNC heloc note on or about XX/XX/XXXX. I was unaware that the note was a 15 year vs 30 years. 
* I also received a Refi notice/option by mail from PNC a couple of days prior to the loan maturing email. 
* I contacted PNC Refi on XX/XX/XXXX, specifically noting the need to Refi the expiring loan. I provided the Refi CSR the maturing loan number that matured on XX/XX/XXXX. 
* Apparently no one from the Refi Dept alerted the Loan Dept of the ongoing application for refi, as I found that no payment was taken by auto draft on XX/XX/XXXX as expected. 
* I called the Loan Dept on XX/XX/XXXX and provided them with the information/CSRs involved in the refi, and requested how to handle the loan payments until the refi closed. 
* CSR noted I should make my " regular '' payment amount until the loan closed, and took my payment over the phone. 
* That was apparently not the exact protocol. These incorrect instruction provided by the CSR on XX/XX/XXXX have led to a complete fiasco ( as is my ongoing refi ), and subsequently caused PNC to report " late payments '', although all payment been made thru XX/XX/XXXX as instructed by a PNC representative. 
* Attached documents explain in detail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Me and my girlfriend were sending money back and forth basically I sent her two payments one for XXXX and another for XXXX and then I sent her a request for the XXXX back she had already sent me the XXXX by the time she received the request and then within 7 minutes she sent me {$450.00} so I should have had a total in my account of over {$900.00} except for the fact that the XXXX even though it shows that it's a completed transaction to my account it never went in my account I explained to cash app the only way they could see the transaction is if they went into the support part of the menu and from there they could see the transaction it wasn't in our regular activity log for some reason but once you go into support and report a payment issue it'll have you select what payment and then on that screen you could obviously see that the XXXX and the XXXX both were completed to my account but only the XXXX went into my account I've tried every day to talk to him by phone and work it out done Mobile support through the app every since the XXXX of XXXX not to mention countless emails to no avail which they do admit that the money is missing or my frustrations or Justified is that how they put it but they never credited my account with a provisional credit like they were supposed to they keep giving me reference numbers but when I call and give the reference number to the person or through the email or the chat basically those numbers don't do anything and we have to start everything all over every time I don't even know why they give those numbers out it's not like they're really attaching them to a case or anything like that it's just ridiculous how unprofessional cash-up support is I've been hung up on about six times cuz they get frustrated cuz they can't figure out where the money went and then they hang up on me or they tell me they can't provide any further information and then they make me start the dispute all over again and again and again I just want my XXXX back from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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:
Before XX/XX/2021 I reached out to Equifax regarding a bankruptcy that is reporting on my credit file. I disputed the information due to inaccurate verification on their behalf. I was told that they verified my information with XXXX and with the US XXXX  and I would have to contact them. I went through the proper steps and contacted both XXXX and the US bankruptcy XXXX that they said they contacted. I received letter back from XXXX saying they couldn't verify it so they deleted it off of my report and the US Bankrupty XXXX that they listed stated they do not work with the credit agencies nor do they report to them. With that being said Equifax couldn't 've possibly verified this information therefore it is unverified information and it needs to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: FL

Complaint narrative:
" False Credit Reporting '' on the above account number for XX/XX/2021. OVERCHARGE on account of {$2300.00}. 

SEE Attachment for correction ASAP. 

( 1 ) XXXX XXXX was paid in XX/XX/2021 ( See Attached ) ( 2 ) Mortgage sent to address on bill from new takeover company XXXX on XX/XX/2021. XXXX provided WRONG ADDRESS for payment. Resubmitted payment. ( 3 ) Letter from XXXX stating payment was made but to wrong address per XXXX. Payment made within the 30 day period. ( 4 ) OVERCHARGE went from {$2300.00} to {$3500.00}. 

Filing another complaint against you with CFPB and now an attorney for recover of several {$1000.00} 's in overpayment.

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 2022-08-20 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: FL

Complaint narrative:
" False Credit Reporting '' on the above account number for XX/XX/2021. OVERCHARGE on account of {$2300.00}. 

SEE Attachment for correction ASAP. 

( 1 ) XXXX XXXX was paid in XX/XX/2021 ( See Attached ) ( 2 ) Mortgage sent to address on bill from new takeover company XXXX on XX/XX/2021. XXXX provided WRONG ADDRESS for payment. Resubmitted payment. ( 3 ) Letter from XXXX stating payment was made but to wrong address per XXXX. Payment made within the 30 day period. ( 4 ) OVERCHARGE went from {$2300.00} to {$3500.00}. 

Filing another complaint against you with CFPB and now an attorney for recover of several {$1000.00} 's in overpayment.

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 2022-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have been one of the defrauded by Sallie Mae for their practices, e.g. forced to take private high-interest loans through Sallie Mae/Navient when I was unable to pay Sallie Mae/Navient, but I did not go to a for profit school. However, I need remedies too. 

As of today, per Sallie Mae/Navient, I have paid over XXXX on an original XXXX loan and they say I will not pay off the loan until XXXX. I have no idea how to get them to rectify the problem and I have called and emailed. They have no claims department and have no remedies. Please help/advise. They are the most horrible lenders I have ever dealt with and they forced me to take out the loan in the first place when I was experiencing economic hardships. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one fraudulent hard inquiry needs to be erased. I have never applied to capital one. 
Inquiry : XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
My complaint is against Midland Credit Management , Inc . 

The creditor Midland Credit Management forwarded the debt collection to law firm XXXX XXXX XXXX for legal action. The case was to be filed with XXXX XXXX municipal court on or around XXXX XXXX.for the amount of {$12000.00} I contacted XXXX XXXX XXXX on or around XX/XX/2022 And settled the account with a one time payment offer of {$10000.00}. 

The account was closed and the case through XXXX XXXX Municipal court was dismissed XX/XX/2022. 
I was told at that point to wait approximately 2 weeks for the activity to reflect on my credit report as paid.the communication would be sent to Midland Credit Management from XXXX XXXX XXXX. 
XXXX XXXX XXXX and XXXX XXXX clerk of courts sent me notification via U.S mail stating case was dismissed. XXXX XXXX XXXX sent additional receipts for payment, settlement and account closed. 
I have monitored my credit since XXXX this account is still showing negative. 

I have contacted XXXX XXXX XXXX 4 times requesting help on how to remove this from my credit they informed me that they Reported and informed mid land credit management that The account had been paid and there is nothing that they could do at this point. and that Midland management Was responsible for reporting the account not XXXX XXXX XXXX. 

I have called Midland credit management weekly since XXXX. And have Escalated the matter to their customer solutions department. They continue to tell me it will be a 7 to 10 days and the account will reflect on my credit. 

I have tried 2 times to dispute the credit reporting through XXXX XXXX. Midland credit management reported the balance being reported as accurate. 

I have all the documentation needed stating this account has been satisfied. I offered to send it to midland credit management they stated notarized documentation from the clerk of courts and receipts from XXXX XXXX XXXX is an unacceptable form of proof. 

I continue to call Midland credit management weekly and have the the same conversation. this account has been paid please Report it accurately on my credit report. they continue to tell me it will be removed/Reported accurately within 7 to 10 business days. It has not been. 

This negative reporting on my credit report is impacting my credit score tremendously and is keeping me from being preapproved for a mortgage and a loan to send my daughter to college.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
this week while checking my email I received an update on my credit report upon viewing I notice a hand full of inquiries that were not made by me. I tried disputing and received no response this is a violation of my rights as a consumer. I'm currently stationed at XXXX XXXX with the US XXXX I've been here since XX/XX/2022 there no way these inquiries were made be me. 


XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Of 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 non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2020 {$540.00} and XX/XX/2020 {$540.00} showing late payment during pandemic has not been late before or after every since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
CFPB COMPLAINT AGAINST SANTANDER Account Number Ending In : XXXX VIN # XXXX First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies. 

VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by Santander. 

The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies. 

Santander was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2022, I transferred {$300.00} to my Venmo account. Venmo then transferred it all plus fees to an old unused bank account without my consent. After fees, they transferred {$290.00}. I contacted Venmo and they said I made the transfer, but in fact I did not. I contacted my bank and they stated they had returned the money back to Venmo on XX/XX/2022. The money is still not in my Venmo account and no associate can help. They simply said nothing can be done. This is theft. The bank confirmed once again they sent the money back on XX/XX/2022, but Venmo will not contact the bank or provide my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
I didnt recieve any type of notfication about any debt owed from both the medical provider or the debt collection agency that a debt was owed and wasnt made aware until it was put onto my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I learned, while viewing my credit information on XXXX, that Comenity Capital Bank/ XXXX XXXX opened an account in my name in the amount of {$12000.00} ; I have never asked Comenity Capital BankXXXX for credit in any amount, and have never received any credit or money from them, and if they are making that representation they are misinformed, or complicit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 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: MI

Complaint narrative:
this week while checking my email I received an update on my credit report upon viewing I notice a hand full of inquiries that were not made by me. I tried disputing and received no response this is a violation of my rights as a consumer. I'm currently stationed at XXXX XXXX with the US XXXX I've been here since XX/XX/2022 there no way these inquiries were made be me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Of 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 non-monetary relief
Consumer complaint received 2022-08-20 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: MI

Complaint narrative:
this week while checking my email I received an update on my credit report upon viewing I notice a hand full of inquiries that were not made by me. I tried disputing and received no response this is a violation of my rights as a consumer. I'm currently stationed at XXXX XXXX with the US XXXX I've been here since XX/XX/2022 there no way these inquiries were made be me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act the all credit collection accounts under my name has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

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 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
XXXX Phone : ( XXXX ) XXXX Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Trans world systems inc XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX Time of call : XXXX local time Date : XXXX XXXX XXXX  Phone : ( XXXX ) XXXX Time : XXXX local Date : XXXX Company : Trans world system INC. 
Phone : ( XXXX ) XXXX Time : XXXX local Date : XXXX Phone : ( XXXX ) XXXX Time : XXXX Local Date : XXXX The same debt collection agencies have attempted to contact me with the following numbers on these days. When asked for information about the company the agents refused to answer about where the company was located, company phone number, employee ID, refused to transfer to a manager, and refused to stop calling me then proceeded to call me before XXXX before i went into work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: Checkr, Inc
State: KY

Complaint narrative:
A extra last name is on my background which is causing a accuracy about my identity and my livelihood please remove the extra last name I provided my first certificate my driver license and my high school diploma to prove that I dont have two last names

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Received a credit card on XX/XX/2022 from Bank of America that I did not open. I talked to customer service to report this and cancel this card.

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 2022-08-20 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act the all credit collection accounts under my name has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

Company response to consumer: Closed with explanation