vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 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: PA

Complaint narrative:
XXXX  car loan is paid off. They are still reporting it delinquent will not fix. No title sent either getting run around.

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 2020-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is in response to Trans Union response for complaint # XXXX. that they are still working on problem from initial dispute. That it may take up to 60 days. 
Transunion dispute has no active disputed being performed that initiated in XX/XX/XXXX going forward. this is stated in the Dispute center at transunion it says no open disputed. 

Let me be clear FCRA say 30 days to investigate and if the furnisher or consumer provides additional information than a extra 15 day. The Dispute was signed for on XX/XX/XXXX. The furnisher provided no extra information, Better yet the furnisher said they don't do investigation or report to the Credit Bureau. So Transunion was in violation on the 31st day for failure to complete investigation. FCRA says the remedy for that is DELETION of negative item. It is to be removed from Credit Report. 
They are also in violation for reporting false information willfully and negligently. 

In this case we are talking about the Public record that Transunion failed to investigate. So for Transunnion to say they are still working on the problem they are lying and Time is Up. Transunion needs to DELETE PUBLIC RECORD IMMEDIATELY. I have everything well documented and will file legal action

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 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Had a legit XXXX deposit deposited into my account. For days it sat as a ledger balance instead of available balance then suddenly bank decided that it was no good sent it back without telling me. Other issue is connecting bank with other apps. PNC will let a few go but the majority its stopped it from linking up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-04-25 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: TX

Complaint narrative:
ftc violations attached and listed XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX SXXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 24 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 30 accounts, 18 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 9 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ftc violations attached and listed XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 24 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 30 accounts, 18 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 9 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported

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 2020-04-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc violations attached and listed XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX   XXXX XXXXDispute XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 24 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 30 accounts, 18 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 9 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported

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 2020-04-25 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: FL

Complaint narrative:
I filed a dispute XX/XX/2020 with Equifax and XXXX  about incorrect data being reported. I also mailed the Collection Agency ( XXXX ) a request for validation of this account XXXX  promptly and correctly investigated and deleted the incorrect account. ( XXXX had a different address on my XXXX  report ) Equifax " updated '' the incorrect data but did not properly investigate or delete. I sent a letter to the reporting Collection Agency ( XXXX ) at the address shown on my Equifax report of XX/XX/2020 and the letter was returned undeliverable.The notice from Equifax that my dispute was denied included a DIFFERENT address for XXXX. How could they properly investigate an account when their own reports prevented me from submitting my dispute to XXXX?? I have available copies of the letter I tried to send to XXXX and a copy of the returned undeliverable envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, I went to do food shopping at XXXX XXXX. I tried to purchase the food supplies by using the Chase debit card and realize the card was deactivated. I could not find a direct answer for the reason of the closure from the branch on that very same day. I was told by one of the bank representative to call " XXXX. It has been difficult for me to try to resolve this issue during the COVID-19 and I have health issues. I was severely stressed out when I called the number that was issued to me and waited for 45 minutes and a representative picked up the call was the problem. This individual I could not understand clearly because he was from XXXX with a severe accent. I could not get the answers when I ask " Why is my account closed? '' and " How can I pick up my remaining funds from this account that was restricted? ". The only thing I understood was the remaining funds will be sent through casher 's check by mail within 10 business days. I was furious because I needed to open up another bank account and still have responsibilities to pay other creditors. I had to use a different credit card to pay for the food groceries and it was raining that day. All this has placed myself to a health risk due to COVID-19. This XXXX was the number to call for disputes and it turned out this number is the issue. The Chase bank representative I spoke with had an attitude and said " You will never ever have an account with Chase again '' with a stern voice. I deposited this money with this Chase bank in trust and expected to receive it back the same way. Why did Chase just give me the money on the same day instead of mailing it by mail which takes more time. I know XXXX XXXX does not do that and XXXX  XXXX XXXX. 

So you can the frustration I am currently going through. I still do not have my money but I managed to open up a new account with XXXX  XXXX XXXX. My other concern is that I still have a final direct deposit from the Veteran 's Administration going directly to the restricted Chase account. I hope the bank do not decide to sent it through mail again. Once again, why can I receive it on the branch before the account go to a complete closure or I prefer if the direct deposits ( XXXX  and XXXX by from the Veteran 's Administration ) return to the VA since the changes has been made with them for myself to receive the future funds. Please look at this manner, it is completely unsatisfactory. I need the money to pay for rent, utilities, auto, insurances, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: RI

Complaint narrative:
I currently have my home mortgage with PNC Bank. On Friday, XX/XX/XXXX, my wife, a XXXX  in a XXXX XXXX, XXXX XXXX for XXXX. Now, we are both mandated   to quarantine  for at least the next 14 days. With our next payment due on the 1st, we are worried that we might not be able to make our payment of {$1700.00}. After reading about the CARES ACT, passed on XX/XX/XXXX, I reached out to PNC, by phone, regarding mortgage forbearance on our FHA loan. The cares act states that one can receive up to 12 months forbearance on a current mortgage, due to coronavirus related issues. I was told by a bank representative that their policy was 90 days, without making a payment, or making partial payments, with no late fees and no credit reports, for the missed payments. However, at the end of the 90 days, we would have to pay the total, {$5100.00} missed payments. I stated that if someone couldn't make one payment, being out of work for an extended period of time, how would they expect us to pay 3 payments. She responded that a review was possible, at the end of 90 days, but with no reasonable solution given to us, it seems like we will be forced into a possible foreclosure. There was no mention of adding the missing payments at the end the mortgage due date. THIS IS OF NO HELP TO ANYONE. A 3rd grade student can see that this is a set up for failure, or better yet a total disaster for the American homeowner, who by no choice of his own is thrown into this ring of fire. Please help us, and millions of others, facing total devastation due to this XXXX  plague, the coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Due to some past credit issues due to medical problems I have a credit card that has a higher interest rate with Capital One. The rate has and continues to be 22.99 %. This is despite the dramatic decrease in the prime rate I am being charged 22.99 %. In XX/XX/XXXX and XX/XX/2020 I had two late payments due to my income being impacted by COVID-19. I have a medical condition that places me in a vulnerable group. Ironically issues and medical bills is what placed me in a disadvantaged situation when trying to secure a credit card with a FAIR interest rate. At this time I was also assessed a {$39.00} membership fee. This is in addition to two late fees of {$38.00} each plus the {$39.00} fee plus 22.99 % interest. I called Capital One as according to their website " we are here to help. If you are impacted by COVID-19 let a customer service representative know '' Well I called. I spoke to XXXX who told me I do not qualify for any assistance. I asked to speak to a supervisor XXXX who also told me that there was nothing that could be done however he would see if I qualified for a skip a payment program. Sure. So Capitol One does NOT lose all the fees and now I get to pay 22.99 % interest on top of the fees that Capital One will still pocket. COVID-19 is devastating to this country yet Capital One is still and is making certain the continue to profit on the most vulnerable population with credit issues. This is shameful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25 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: FL

Complaint narrative:
I had a medical bill that I received back in XX/XX/XXXX for XXXX XXXX in the amount of {$200.00}. This bill was paid XX/XX/XXXX. I received confirmation of my payment, and heard nothing else about this account. Then in XX/XX/XXXX, this account showed up as a delinquent account on my credit report across all agencies. The collections group, XXXX XXXX XXXX, said that they would take care of the mistake, but they did not. 

I contacted XXXX, who took it down within two days and were very helpful. It took 3 tries to get XXXX to remove it. Equifax still refuses to remove it even after showing them proof multiple times that this account is not delinquent, and even after every other agency has removed it. I had a dispute on XX/XX/XXXX that they said they would not remove it, and another that was completed XX/XX/XXXX. I can't buy a house, I can't do anything with a new credit card, nothing that I wanted to because Equifax has ruined my credit score by keeping this incorrect information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's American Express credit card owed me {$860.00} ; customer service would never answer calls or intentionally disconnect calls ; i requested the balance of {$860.00} to be sent to me in the form of a check instead i received a check for {$8600.00} ; i tried to call customer service numerous times without avail, their website statement showed that somehow i " owe '' the credit card {$7700.00} although i never used this card since XXXX of 2019 because of their problematic activity ; when i called customer service i was rudely told i " requested the money " from the card and would be charged for it ; i tried to deposit check for {$8600.00} and it " bounced '' ; credit card explained they canceled the check and told me that i would be responsible for the feel related to bounced check, they acknowledged they made a mistake because the check was for the incorrect amount but did not feel i had to be notified either by phone call, message, or e mail not to deposit the check, as of right now, card billed me for {$7700.00} and refused to withdraw charges/refund fee for bounced check ; customer service would not answer calls

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 2020-04-25 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: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I had a medical bill that I received back in XX/XX/XXXX for XXXX XXXX in the amount of {$200.00}. This bill was paid XX/XX/XXXX. I received confirmation of my payment, and heard nothing else about this account. Then in XX/XX/XXXX, this account showed up as a delinquent account on my credit report across all agencies. The collections group, Paragon Revenue Group, said that they would take care of the mistake, but they did not. 

I contacted XXXX, who took it down within two days and were very helpful. It took 3 tries to get XXXX  to remove it. XXXX still refuses to remove it even after showing them proof multiple times that this account is not delinquent, and even after every other agency has removed it. I had a dispute on XX/XX/XXXX that they said they would not remove it, and another that was completed XX/XX/XXXX. I can't buy a house, I can't do anything with a new credit card, nothing that I wanted to because XXXX has ruined my credit score by keeping this incorrect information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
On XX/XX/XXXX Nissan Motor Acceptance took out from my account {$240.00} of which {$5.00} was processing fee and {$240.00} was payment towards the balance. The confirmation number given to me by Nissan rep for this payment is # XXXX. Please investigate where Nissan posted this payment. It should have posted to the above named account # XXXX but didn't. The correct owed balance should be {$400.00} and not {$640.00}. If you need more information please don't hesitate to contact me at XXXX. I tried to resolve this with the company and they still cant seem to find my payment. I paid {$510.00} on XX/XX/XXXX to settle this account but the balance was still incorrect and nobody seems to know where my payment of {$240.00} went to. I called my bank and they gave me a trace number for transaction of # XXXX company that took payment was Nissan Motor acceptance XXXX XXXX XXXX XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.

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 2020-04-25 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.

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 2020-04-25 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 use XXXX XXXX XXXX on occasions but fight with them to link MY accounts. I have the information and I have the funds being deposited. It helps me throughout the week but is a continuous problem. I have had to redo passwords build new accounts more than necessary because of their continuous blocking. 
I have given my permission and called them to which they say it isn't them. ( XX/XX/XXXX-XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
This account does not belong to me. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I can not get my bank account to connect with venmo. Ever since i changed my password on my XXXX   app I can not get my venmo to connect. I have been trying for 5 days now every day.

Company response to consumer: Closed with non-monetary relief