vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 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: IL

Complaint narrative:
On XXXX XXXX I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA.XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 

Experian Negative Accounts : XXXX XXXX US BANKRUPTCY XXXX US BANKRUPTCY XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX ( CAR ) US BANKRUPTCY XXXX US BANKRUPTCY 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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Opened a new HELOC ( at the same bank ) because the available draw on the old HELOC had ended at the end of 10 years. I received a statement on the old HELOC which showed an escrow balance of {$110.00}. Waited for a week to 10 days for PNC bank to send me a check for that balance. I was surprised that it hadn't been paid/settled/ credited to the new HELOC. Nothing ever came so I called PNC to ask for a check to be sent and they offered instead to deposit the funds in my checking account also saying they were surprised it hadn't been settled at the same time as the closing/opening of the old and new HELOCs. On XX/XX/XXXX I received a check from PNC for the {$110.00} and made a mobile deposit. The NEXT day, they credited my checking account with {$110.00} and did a stop payment on my deposit AND charged me {$12.00} for that stop on THEIR check which they sent me. The stop is justified but the service charge is NOT. I called PNC and was told I would have to speak with someone in the mortgage department ( which was closed ) to get that corrected. When the mortgage department re-opened, I called and was told it would have to be corrected by the customer service department which I had already called. I'm tired of the run around and all the wait times on hold!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: IL

Complaint narrative:
On XXXX XXXX I disputed the following information with XXXX, XXXX, & Transunion and they have yet to respond in the time allowed by the FCRA.Transunion, XXXX, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 

XXXX Negative Accounts : XXXX XXXX US BANKRUPTCY XXXX US BANKRUPTCY XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX TRANSUNION NEGATIVE ACCOUNTS : XXXX XXXX  ( CAR ) US BANKRUPTCY XXXX US BANKRUPTCY 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 2021-10-14 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: IL

Complaint narrative:
On XXXX XXXX I disputed the following information with XXXX, Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA.XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 

XXXX Negative Accounts : XXXX XXXX US BANKRUPTCY XXXX US BANKRUPTCY XXXX EQUIFAX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX ( CAR ) US BANKRUPTCY XXXX US BANKRUPTCY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NJ

Complaint narrative:
I am a victim of identity theft I sent in a letter with FTC report, copies of my ID, bank statement, and social security card and Equifax has not remove the fraud information from my credit report. I also reached out to the collection and they agreed to remove it. XXXX and XXXX has deleted the fraud accounts but Equifax hasn't done anything. Everything was sent in certified with a return receipt in XXXX. All information is in the letter I sent certified. I demand these 2 collection accounts to be deleted immediately. 

Collections Accounts from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NJ

Complaint narrative:
As a consumer I demand Equifax, XXXX and XXXX remove the accounts listed on the affidavit of fact for a list of the violations from these accounts Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By Equifax reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: DISCOVER BANK
State: CA

Complaint narrative:
I purchased an item from XXXX in XXXX and returned it in XXXX. XXXX sent me an email dated XX/XX/XXXX stating they processed a refund for the item in the amount of {$34.00} to my original form of payment which was Discover card ending in XXXX. I waited a month to allow sufficient time for Discover to post the credit to my current account. When this did not happen, I called Discover on XX/XX/XXXX. Discover said their records only go back to XXXX, so since the card is from XXXX they do not have the record and therefore can not issue the credit. I subsequently called XXXX on XX/XX/XXXX and asked if they could process the refund to my current Discover card, but they said they could only credit to the card used, XXXX. 

I feel the responsibility for issuing the credit to me lies with Discover. Since Discover closed my XXXX account, it is their responsibility to transfer any credit from the XXXX account to my current account. The merchant, XXXX abided by their return policy and issued the refund back to my original form of payment. The transaction successfully went through to Discover and they have my money, but is unwilling to transfer it to my current account. Discover has a history of not transferring credits from my closed accounts to my current account unless I call to initiate the process. This has occurred several times in the past. I feel Discover is using deceptive practices to avoid crediting consumer accounts. I then filed a complaint with CFPB on XX/XX/XXXX against Discover. 

Discover responded to the complaint on XX/XX/XXXX stating they will not return my money because they don't have a record of my Discover card ending in XXXX. Discover stated in their response that they maintain records for up to 7 years, but the card in question is 6 years old. So why they don't have a record of the card does not make sense. 

Whether Discover still have the record of my XXXX card is irrelevant. I used the XXXX Discover card to pay for the item. XXXX has a record of this Discover card transaction. I paid Discover cash for the credit used. Since XXXX sent the credit to Discover and Discover no longer have the XXXX account record, they should have issued me a check. 

I made an error on the XX/XX/XXXX complaint that XXXX issued me a gift card. XXXX did not issue me a gift card for this item. XXXX confirmed that they issued a credit to the Discover card that I used to pay with. Discover did not do their due diligence in investigating my complaint. Discover is using this error to avoid returning my money. I have already paid cash to Discover for this item in XXXX. For Discover not to credit my account or send me a check for the amount is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 193 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NC

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 193 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Continental Finance Company, LLC
State: NM

Complaint narrative:
I received a credit alert from XXXX that XXXX XXXX on XX/XX/21 @ XXXX XXXX  mst they pulled my credit without authorization. The number provided no one answers to resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CCB/XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX XX/XX/21 XXXX XXXX XXXX XXXX charged my accounts to my unemployment debit card. An initial seven-day trial was opened. On XX/XX/XXXX, {$50.00} and {$29.00} were charged. My unemployment debit card is issued by Bank of America and a dispute has been filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX XXXX. There is only one source of information which is the original creditor of this alleged account. How can the date of activity be different for every bureau if all of you should be verifying your information from the same source? Immediately Update this account. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had a loan on a XXXX silver XXXX XXXX XXXX Santander Consumer USA. Due to Covid 19 I was in a very difficult situation and I was late on the last 3 payments of my car. On XX/XX/XXXX my vehicle was repossessed from my apartment. It was then sold on XX/XX/XXXX for {$30000.00}, I owed {$11000.00} to the bank. Now I have a surplus of {$18000.00}. I have called countless times and they tell me I have to wait until accounting comes through with the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted 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 explanation
Consumer complaint received 2021-10-14 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 have contacted all three Credit Bureaus/Agencies ( XXXX XXXX Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tate and Kirlin Assoc
State: MD

Complaint narrative:
I applied for XXXX XXXX XX/XX/2019 and never used it but was charged. I have dental insurance and my insurance paid for most of it. I paid my part, and I have proof. I have mailed a letter to the XXXX asking for verification of the amount and I didn't get it. Also, I sent a letter to each of the credit reporting agencies to verify the debt amount. And I didn't get anything that proved that I owe them. I have the original bill from XXXX it shows the amount I paid. And I recently got a letter from Tate and Kirlin Associates , INC for the same bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was formerly a XXXX customer who merged or got bought out with PNC Bank. The transition happened on XX/XX/XXXX and at the time I was supposed to be able to log into my account, I wasn't able to. I figured it was probably just running a little slow with all the people trying to log in and gave it a few hours. 

A few hours later on XX/XX/XXXX, I tried to log in and my second attempt at logging in I received an error that my account had been locked for trying to log in too many times with incorrect information. 

I tried to reset my password which didn't work so, I thought maybe I was one of the people who needed to enroll and start a new account. When I did that, it tells me my information is not recognized - the information I used was my SSN and my new PNC Bank Virtual Wallet account number. 

I called the main help number and get someone who is helpful but unable to help me. They can see my account and confirm that I do have an account with PNC but are unable to help me get into online banking so, they transfer me. I was on hold for 2 hours and had to hang up because I had a meeting at work I needed to be on the phone for. 

On XX/XX/XXXX, I tried all the steps above again with all the same results except I couldn't stay on hold with them for 2 hours, only 30 minutes and then had to hang up. 

On XXXX XXXX same story except the slightest bit more information from one Help Desk employee : my username didn't get transferred over. And now here I am, typing this while waiting for someone to answer as the phone rings endlessly after being transferred to the Online Banking Division. I expect I'll let it ring for another hour and forty five minutes then have to hang up because of a work meeting in 2 hours. 

The only other way they advertise to get ahold of anyone is through XXXX. I've messaged them several times there in response to their " How can I help you '' threads as well as sending them DMs - none of which have been responded to. 

I can't get in to pay my bills! I can't get in to see my accounts! I can't get in tomorrow to check to make sure my paycheck will be deposited because now I don't trust that anything will be done correctly if they couldn't even port over my username correctly. 

I'm in IT - how was there no testing of anything? No double checking that they got everyone? They took months to get this transition set up and they miss people? There are LOTS of people on XXXX who are in the same or similar situation. It also sounds like you can't go into a branch and have them help you- they refer you to the Online Banking department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I do not own this account. Please remove off credit. 
Collection Agency NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2600.00} Status Date XX/XX/XXXX Status UNPAID

Company response to consumer: Closed with explanation