vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 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: TX

Complaint narrative:
Pulled my credit report and saw that its showing 20 missed payments for my mortgage company that consist of one late payment in XXXX of XXXX. 9 30-60 day late payments in XXXX and 10 60-90 day payments in the XXXX. This information is incorrect. That is considered foreclosure there is no way that after 3 years I would still be in the-home with that many missed payments. I currently still reside in the home and since XXXX of XXXX credit reporting has been accurate. Im requesting validation of late payments/missing payments for those years mention above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
SOMEONE USED MY IDENTITY WITHOUT MY KNOWLEDGE THEY RECIEVE MEDICAL ATTENTION ALSO SUMMITED FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT AND KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
SOMEONE USED MY IDENTITY WITHOUT MY KNOWLEDGE THEY RECIEVE MEDICAL ATTENTION ALSO SUMMITED FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT AND KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On  XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: NJ

Complaint narrative:
On XX/XX/202, i noticed a fraudulent transaction on my Frontier Master Card account ending with XXXX for an amount of {$27.00}, I reported that to Frontier Master Card Customer service who made me wait 2 hours and then a XXXX lady answered the call and was reluctant to provide her name and emp ID or any identification ID and refused to take my complaint saying that Fraud dept is closed today and she is the only one available today, I told her this is a multibillion dollar bank how can there be only one employee working on sat, it is usually 24/7, After 45 min of explaining her situation she finally transferred me to a manager at Barclays in USA, I told her about this fraudulent transaction from XXXX XXXX XXXX  XXXX and she blocked my card and marked it fraud pending investigation. 
Exhibit A - On XXXX XX/XX/2020 I received a mail that I have been credited the {$27.00} Fraud disputed amount from XXXX XXXX   XXXX XXXX please check exhibit A and confirmed that account has been closed Exhibit B - On XXXX XX/XX/2020 after a month I received a letter that the Barclays investigation dept has determined that XXXX XXXX XXXX  XXXX  {$27.00} is a valid transaction and therefore its re posted, XXXX XX/XX/2020 again after waiting 2 hours on hold and requesting the XXXX agent to please let me talk to manager which she would refuse or try to disconnect ( attached Call log ) I was able to talk to XXXX who refused to re open case # XXXX and told me to fax more supporting docs to them again to review but at this time they cant help, I told them to go to XXXX website and see for themselves it been shut down by the XXXX Govt and its an XXXX website and there is no customer service operation when you call them it says it has been disconnected, I provided all the hard evidence to show that this was indeed a fraudulent transaction but they refuse to help me and never responded back saying case is closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have Contacted Synchrony Bank to request for them to remove wrongful late payments that have been reported unfairly on my credit report. I explained to them that I had been working hard to fix my credit and paid a lot of money to Get my scores up and having them report a late payment on my credit report affected my credit by over 60 points. It Also ruined my chances of a better job. They have refused to do anything about the matter. I made them aware that the account was paid on time and in full before the reporting late dates. I requested a letter stating that there was not a late payment in the month of XXXX since the account was paid off in full before reporting dates and they refused to assist me with that as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
Hi, I tried to contact you about this late payments on my payment history, I am sure that I pay on time always with my bills ... though I think there are times that I have not because the bill did not get to me on time or I simply did not received it. Please help me resolve this. 
DPT ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have received a bill from Citi bank regarding Citi Aadvantage card in the amount of {$290.00}. The bill was for the billing period of XX/XX/20-XX/XX/20. I have send a check using my XXXX  XXXX XXXX account and paid the bill on time. The money was taken of from my XXXX XXXX XXXX account, but Citi bank keeps sending me bills and saying that I didnt pay them the bill. They keep adding late fees. I have contacted my bank as well as Citi bank and Citi bank has informed me that they do not know where the payment went, they cant locate it. I have sent multiple letters to Citi bank showing that I have paid the bill and money was taken from my account but Citi bank just keeps sending me bills for that same amount of {$290.00} and keeps adding late fees. I do not know what to do anymore please help me resolve this problem. I have attached some of the documents from my correspondence with a bank. I can provide more since its been going on for 5 months now. I am very tired of sending them proof and would like the issue resolved as soon as possible.

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 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
The original creditor was XXXX XXXX XXXX I received a letter to my address I lived at for 12 years stating I had {$600.00} bill to a address I never heard of of lived I reported it was identity thief sent all the documents proven I never lived there now its has been on my credit with a new debit collector I have spoken to new collector and all 3 credit bureaus to get removed and disputed numerous of times. And when I speak to the collector they continue to say to me they have reported to all 3 credit bureaus of the inaccuracy but it still comes back as accurate this has been going on back and forth since 2018 and it just seems its not getting resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I work for XXXX  and I wanted payroll direct deposit with my Bank PNC. Unfortunately, everytime I try to use the XXXX App to initiate the direct deposit, PNC rejected. I call them and they told me that I have to do the old fashion way thru routing number and accounting. XXXX does not use it. Dear CFPB, Could you tell me bank to stop blocking XXXX from depositing my payroll check into my account. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: NY

Complaint narrative:
To whom it may concern I have what I believe is a very simple problem XXXX  shows all my accounts but transunion and XXXX   do not show. I will show you current screen shot of XXXX. Hope this  can be resolved asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello. I am here because I have no where else to go. I had been approached for unemployment benefits with benefits starting XX/XX/XXXX. As of today, XX/XX/XXXX I have yet to reciprocate my edd card from Bank of America. I had unemployment benefits within the last three years but am no longer in possession of my old card. After realizing that is where my initial deposits will be going contacted Bank of America to replace it with a new card which I was told was going to arrive 7-10 business days. Two weeks passed and nothing in the mail so repeated this after verifying my address which was accurately reflected on my account. I called again today after yet again no sign of card though I was informed it was mailed XX/XX/2020. The agent informed me Bank if America made an error in doing a standard shipment instead of express apparently. Granted 15 days is over either limit while I have been wrecked financially charging up credit and damaging hard earned credit. I asked to speak to supervisor but the agent refused saying they Re not  'trained to do that ', essentially refused to assist me any further besides repeatedly telling I can get yet another card issued. I made repeated calls only to be told to hold while being bounced around with no resolution, adding to distress in top of existing emotional trauma caused by having to continue to wait for payment approved back in XXXX and this is XX/XX/XXXX. One of the last agents I spoke to informed me I should be getting a call back in half hour at the most to resolve the issue and I waited over an hour with no call. I called back again and once agony I am being told to hold again and again while being told ' I am waiting for a resolution ' by the agent just like all of them and finally gave up and decided to fike this complaint in addition to seeking legal advice on how to proceed to see and convince these institution to show any kind of regard to human suffering. I am quite certain I am only one of  many left in this limbo and unspeakable distress and lack of sleep through no fault of our own and intend to reach out to all affected nationally to address the indefensible BREACH of duty Bank of America seems perfectly OK with with respect to folks suffering from unemployment while I am sure assessing the government and thus taxpayers fund fir service they are not devoted to providing. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern I have what I believe is a very simple problem XXXX  shows all my accounts but XXXX  and experian do not show. I will show you current screen shot of XXXX. Hope this can be resolved asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Debt collector continues to call regarding a debt that it not owed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
I sell on XXXX, and my PayPal account was limited on multiple occasions. When I was limited, PayPal had me submit the required information so that they may review it and un-ban my account. I had my account limited 4 times within one month and each time I was able to provide the necessary documentation and my account was released. When my account was banned for the 5th time, I had submitted my information and some time passed where I had not received an update regarding my account as I could not withdraw any of my funds which are desperately needed. I contacted customer support through email as their customer service phone number is not working because the call center is closed. The agent told me that they are waiting for a specific transaction that was in transit to a customer of mine, and once it was delivered, my account will be released. A few days later, I had received notification that my account was permanently banned and all my funds are withheld for 180 days. After contacting support 3 times, I was not able to find the reason for my ban.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: LA

Complaint narrative:
In 2010, I started school at XXXX XXXX XXXX in XXXX XXXX, LA. School went as planned after graduation however, everything immediately turned into a never ending nightmare. This institute was sued for predatory lending and i was a victim of its bad practices. If that wasnt enough i could not find a job in my field, my transcript was not available to me, nor was my payments being sent to lower my loan balance. The loan was then consolidated without proper paperwork. I made payments for over a year it wasnt calculated and it also gave me late pays on my credit report. This institute is now affecting me for a mistake I made in allowing myself to fall victim of this predatory scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Account was closed and paid as agreed. Due to COVID-19 pandemic I was adversely affected due to the XXXX industry coming to a complete halt. I spoke with AMEX regarding correcting or removing the 30 day late and was assured that AMEX would not report a late on my credit if my account was paid in full. The account was paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I have a cancelled check stating they received the payment on XXXX XX/XX/2020. They entered the date in their system as XXXX XX/XX/2020. They began charging penalties and late fees. They harassed me with phone calls. I have been receiving third party notifications that they have reported me to credit agencies. I have been receiving calls from third party agencies offering me " debt relief ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I'm trying to use XXXX point of sale and would like to link them to my account for my checking account statement and it said for some reason that you all do not allow that so it would be awesome if you all could allow it to save a lot of time and effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently filed a dispute on XX/XX/2020 yo all 3 credit bureaus about the inaccurate information on my credit report. I have XXXX XXXX and The collection agency reporting on my credit report for the same collection balance. If the credit bureaus are getting the information from the creditors how can it be reporting differently. There should not be both the creditor and the collection agency reporting for the same collection as this is inaccurate information and it needs to be removed from my credit report. Please see attached documents of proof of the inaccurate information being reported. What the credit bureaus also tried to do was update the information which should have never happened because I have proof the the information was inaccurate with the account status. It should have been removed as this was inaccuracies reporting on my credit file. 

* If you look a the smart credit you will see when the account status showed different for the different credit bureaus. 

*If you look at the most recent credit report you will see that the information has been updated. 

Two Different companies reporting the same information please remove those accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently filed a dispute on XX/XX/2020 yo all 3 credit bureaus about the inaccurate information on my credit report. I have XXXX XXXX and The collection agency reporting on my credit report for the same collection balance. If the credit bureaus are getting the information from the creditors how can it be reporting differently. There should not be both the creditor and the collection agency reporting for the same collection as this is inaccurate information and it needs to be removed from my credit report. Please see attached documents of proof of the inaccurate information being reported. What the credit bureaus also tried to do was update the information which should have never happened because I have proof the the information was inaccurate with the account status. It should have been removed as this was inaccuracies reporting on my credit file. 

* If you look a the smart credit you will see when the account status showed different for the different credit bureaus. 

*If you look at the most recent credit report you will see that the information has been updated. 

Two Different companies reporting the same information please remove those accounts immediately.

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