vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX XXXX to denal ( health ) to department credit cards ; XXXX. XXXX which is a utility bill that i never had etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Apparently I owed Kohls {$3.00}. 
I had no idea I owed this money. I was never given anything that I knew of letting me know this {$3.00} debt was owed. This hit my credit report terribly and i wasn't even aware. 
I am trying to purchase a home and this {$3.00} late for all these 30, 60 and 90 day lates has ruined my credit ... over XXXX dollars. 
I can't believe I am finding this out this way. This is incredibly frustrating. 
The debt has since been paid ... all {$3.00} that was owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NY

Complaint narrative:
I submitted a dispute letter regarding a late payment on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't recieve a response. To my knowledge, the company has 30 to 45 days to respond to my dispute. They are in clear violation of the fair credit reporting act. I understand that we are in difficult times but this account has to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am so so upset that these agencies are still reporting fraudulent accounts totaling over {$2000.00} or more which not ever mine. I am disturbed how I cant have my finances better due to all these fraud accts charged off. Please do your due diligence and find the evidence that these accounts were all fraud. Having no knowledge of these fraudulent entries on my credit report as i was not paying attention that they did not delete these off since I reported back then. I was wondering why my credit was just being basic with limited lines until the banker asked me to pulled my report and then I see all the errors and fraudulent accounts that were not removed with all different variation of names. i cant even determine the exact amounts or dates as I did not have no accounts with the account numbers reported companies, and I no opened accounts on the dates posted on my credit reports. I have been a victim of ID Theft.

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 2020-08-03 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: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
I just received a civil summons for a court date with the National Collegiate Student Loan Trust for the full amount of loans they apparently, serviced at one time. Those loans went into default in XXXX, then in XXXX, I began working with a debt collection service on a XXXX XXXX XXXX, after my XXXX Income Tax Return was garnished. I successfully completed all requirements of the XXXX XXXX XXXX as was then transferred to a new Loan Servicer and began making monthly payments there on time. That's when I last week, I was served by the county sheriffs with civil papers by the National Collegiate Student Loan Trust for the full amount of said loans plus accrued interest. 

I called my current Loan Servicer and they informed that I am up-to-date and in good standing. As my current servicer, no one else should be seeking settlement or have legal standing to do so. My current servicer advised me to contact CFPB based on the prior settlement against the National Collegiate Student Loan Trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I have no legal or binding contracts with this company I have no debt or no money owed to this company as is a third party collections

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: FL

Complaint narrative:
TRANSUNION FAIL TO VERIFY INFORMATION 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 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I reported to the bank when I found several transactions were unauthorized and unrecognized in my account. The bank took care of it immediately. However, my appeal to those unauthorized transactions were declined very soon because they said there was no error found in those transactions. I called the customer services at once and talked to their supervisor and they promised me to escalate the situation. However I have waited for over a week and got no response. When I call back to know the details they told me they have nothing to do although I reported to them that my information, including card number, social security, was stolen but they insisted there was no error. They also told me those transactions were made by inserting chips ; however, those transactions were made online, like membership fee for dating website, how is it possible to use chip to make those transactions, regardless I never heard of the merchandise. 
The customer service never listen to the customer as well as the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITY NATIONAL BANK
State: PA

Complaint narrative:
A negative balance of {$76.00} on my City National Bank credit card was sent to me by check in XX/XX/XXXX. I never received the check. I requested a new check in early XXXX and also did not receive a check. I called and emailed again in late XX/XX/XXXX and still did not receive a check for the {$76.00} that City National Bank owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: FL

Complaint narrative:
Hello, Please help me. 
I have called multiple times only to be hung up on XX/XX/2020 when trying to dispute the following charges on my Way2Go card for unemployment. Someone needs to get this in line. These are clearly fraudulent charges from XXXX, XXXX. Also what is the balancy inquiry fee? seriously? 


XX/XX/2020 IVR BAL INQUIRY FEE XXXX - Cleared - {$0.00} XX/XX/2020 INTERNATIONAL PURCHASE FEE XXXX XXXX XXXX / XXXX XXXX - Cleared - {$0.00} XX/XX/2020 PURCHASE XXXX XXXX XXXX / XXXX XXXX XXXX Cleared - {$280.00} XX/XX/2020 INTERNATIONAL PURCHASE FEE XXXX XXXX XXXX / XXXX XXXX - Cleared - {$0.00} XX/XX/2020 PURCHASE XXXX XXXX XXXX / XXXX XXXX - Cleared XXXX {$150.00} XX/XX/2020 INTERNATIONAL PURCHASE FEE XXXX XXXX XXXX / XXXX XXXX - Cleared - {$4.00} XX/XX/2020 INTERNATIONAL PURCHASE FEE XXXX XXXX XXXX / XXXX XXXX - Cleared - {$8.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$13000.00} XXXX XXXX {$440.00} XXXX XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX {$310.00} XXXX {$1300.00} XXXX XXXX {$130.00} XXXX  XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CardarelliBridgewaterandAssociates,INC.
State: CA

Complaint narrative:
CARDARELLI, BRIDGEWATER & ASSOCIATES INC contacted me today and left me a voicemail ( attached to this complaint '' stating the following. This is civil claims processor XXXX here with the county. We're calling in regards to a requested summons that was issued this morning from the department of check and arbitration. They have requested that we do have you served between 24 to 48 hours at your residence or place of employment. If you would like to resolve this matter on voluntary terms, you need to speak with the plaintiff immediately at XXXX XXXX XXXX XXXX. If they do end up granting you an adjournment and you resolve the matter voluntarily, make sure they fax us over the stand down order. We need that legal document as soon as possible. If we do not receive that legal documentation, make yourself available. Thank you. Good luck. And you have officially been notified. : This is a total violation of the fair debt collections practices act XXXX d Any conduct the natural consequence of which is to harass, oppress, or abuse any person
 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 15 ) Documents are not legal process forms or do not require action by the consumer

Company response to consumer: Untimely response
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Having been a victim of identity theft dating back 2 years ago, I have been fighting continued attempted use of my identity. I created a credit freeze with a PIN number with Experian, for which they charged me to do. Recently, someone was able to contact Experian pretending to be me, to have my email modified to an account which is not mine, but is a domain currently in use by scammers, XXXX. I have attempted to report the fraud that Domain is being used for without success. With that account they were able to lock me out of Experian, lift my credit freeze, apply for loans and credit in my name being able to easily provide my more recent details due to Experian 's lack of security and proper control. 

Experian offers no direct contact for consumers, but instead offers a circle of web forms and an automated phone system that takes you no where. I was finally able to contact a person through their business support side who after much discussion, was able to to change my email back, however I am still locked out of my online account. 

At the current time, I believe my credit freeze is back in place, but can not confirm that and I can not confirm that someone can not just take my account back over again. The system in use by Experian is severely lacking, ignoring PIN numbers and secondary verification in order make critical account changes. I believe their system is being widely exploited by scammers and identity thieves to exploit the XXXX XXXX XXXX relief loans due to the Covid19 crisis.

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 2020-08-03 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: PA

Complaint narrative:
I can not pay my rent with XXXX with my banking account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I've tried twice now to link my PNC account with another account ( once on XX/XX/2020 at XXXX. and once about a month before at XXXX ) using XXXX, but I'm being informed the PNC has made a change the prevents me from being able to link accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My family went on a Debt Management Plan in XXXX due to an unforeseen occurrence in our income. We were being responsible, and not default on our debts. We notified all of our creditors of this switch and that our payment may be delayed while going on the plan, as we paid XXXX XXXX XXXX and they paid the creditors. All of our creditors agreed. We had around 20 total credit cards. 

Some of the XXXX XXXX & a XXXX credit card are showing as payment late. Some are due to the Debt Management Plan payment not being adjust even though they were agreed to, and are paid on time as agreed every month. We have never missed a single payment. 

1 ) XXXX XXXX XXXX XXXX Card-Marked as Late-Paid as Agreed 2 ) XXXX XXXX XXXX Card-Marked as Late-Paid as Agreed 3 ) XXXX XXXX Card XXXX-Marked as Late-Paid as Agreed 4 ) XXXX XXXX XXXX Marked as Late-Paid as Agreed We have had all of these cards for over a year and have never paid late. I spoke with the credit bureas direct, who advised me of my rights to challenge the incorrect reporting and demand verifiable information. After researching this, I followed up with these letters. 

As of XX/XX/31 XXXX is reporting verified as accurate on my credit report when in fact the information is not accurate at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Haven't received updated term sheet from Amerisave Mortgage Corporation since XX/XX/XXXX. Lender has had all my documents to close the loan since XX/XX/XXXX and made me pay {$500.00} for an appraisal. They did not rate lock the loan yet and I have requested information on when we should rate lock for the lowest interest rate and in fact asked them to rate lock on XX/XX/XXXX BUT they never did nor sent me confirmation of anything. They have ignored my calls and not called me back since XX/XX/XXXX and every email i write to them seems to get ignored or given a fraudulent reply about them going to send the updated term sheets. The company is MIA it seems and has all of my confidential information with them which makes me very worried.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Been using the XXXX app to round up money and invest and it stopped rounding up in XXXX of 2019 and I havent been able to link my bank account back since then

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$13000.00} XXXX XXXX {$440.00} XXXX   XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX {$310.00} XXXX {$1300.00} XXXX XXXX {$130.00} XXXX  XXXX {$470.00}

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 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$13000.00} XXXX XXXX {$440.00} XXXX   XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX {$310.00} XXXX {$1300.00} XXXX XXXX {$130.00} XXXX XXXX {$470.00}

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 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
2 attempts for validation of debt, all that was received is an itemized statement. This collection was placed with all three credit bureaus. I requested a copy of the original contract with my signature, dates, amounts to prove the debt belongs to me. I requested to know whether this agency is licensed to collect debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
For two years payments have been made to XXXX XXXX XXXX,  however the bill isnt going down being the interest rate is set at 130 %, which causes the terms of the loan never be paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation