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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have a loan with WF CRD SVC, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 bureaus and WF CRD SVC, XXXX XXXX  XXXX, and XXXX XXXX XXXX   XXXX with no successful resolution. There was definitely an error on their part.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
The Home Depot/Citibank North America says that I am late on the dates below though 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 XX/XX/2020 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: 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: NV

Complaint narrative:
I have a loan with XXXX XXXX XXXX, XXXX XXXX XXXX, and CAPITAL ONE BANK USA. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 bureaus and XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and CAPITAL ONE BANK USA with no successful resolution. There was definitely an error on their part.

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: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This account does not belong to me. I do not remember applying for this card. If this account is accurate why is it only reporting in XXXX? 

The year this account opens is very suspicious to me. I would like to know from the application to transactions made in this account. I need to know how my identity is compromised for someone to open to the account without my knowledge. 

This account was just brought to my attention because of the high balance reported that prevented me from qualifying for a mortgage. I have written to the FTC and disputed this account with XXXX  before and came out to be fully verified. 

This account is preventing me from buying a house and it would make a huge difference if you are able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is inaccurate and therefore needs to be removed from 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: 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: NY

Complaint narrative:
I am writing in reference to XXXX account number XXXX. This account does not belong to me. I do not remember applying for this card. If this account is accurate why is it only reporting in Equifax? 

The year this account opens is very suspicious to me. I would like to know from the application to transactions made in this account. I need to know how my identity is compromised for someone to open to the account without my knowledge. 

This account was just brought to my attention because of the high balance reported that prevented me from qualifying for a mortgage. I have written to the FTC and disputed this account with Equifax before and came out to be fully verified. 

This account is preventing me from buying a house and it would make a huge difference if you are able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is inaccurate and therefore needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: NC

Complaint narrative:
In a letter received in late XX/XX/2020, State Collection Services , Inc. request {$200.00} within 30 days for a non-existent debt. 

I have written to the company requesting they immediately close this case, and cease contacting me about this, or any other, non-existent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
As I in the process to repair my credit, on XX/XX/2020, I contacted Midland Funding LLC at XXXX, located in XXXX, MI and debt collector, regarding to my credit card debt with XXXX XXXX on the amount of {$1100.00}. I was connected with Mr. XXXX XXXX, who introduced him as an Account Manager for Midland Funding LLC. We agreed to settle the amount due on the total of {$950.00} and paid on XXXX XXXX and was provided with the confirmation number of # XXXX. Mr. XXXX mentioned to that I will received a letter within 10 day as confirmation since they do not send emails as payment confirmations and the balance will cleared from my credit. On XX/XX/XXXX, I contacted Midland Funding LLC since I have not received the confirmation letter nor was the balance due cleared from my credit. I was told that the letter was " just generated and will be mailed on that week ''. As of XX/XX/2020, not only have I not received the letter, but the balance on the account still is on my credit. I feel that Midland Funding LLC has acted on " bad faith '' and has not kept their word on our agreement/settlement.

Company response to consumer: Closed with non-monetary relief
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: OH

Complaint narrative:
I am trying to connect my checking account to my XXXX  account for automatic deposits and withdrawals etc and it uses plaid ( PLAID ) to authorize my bank and it says that PNC stops it and I have had this happen numerous times I would like that fixed so I can have my bank account linked to other accounts as I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Synchrony bank is in violation of my bankruptcy discharge order datedXX/XX/XXXX. There are two accounts on my XXXX  credit report that fail to mention that the accounts were discharged in bankruptcy. I have disputed the accounts twice with XXXX and after the second time I disputed it the notation of it being discharged in chapter XXXX bankruptcy was removed. On my credit this Account is still reporting as an open an active account when it has been close for years and was discharged in my bankruptcy. The other account ( Walmart ) fails to mention that it is closed. I am planning to file a motion with the bankruptcy courts to review the conduct of synchrony banks collection tactics Against me and to report their violation of the post discharge injunction. Section 623 at the fair credit reporting act States the furnishers duty when a consumer is initiating a dispute. There is also a violation of a bankruptcy discharge order. Complaints and civil suits are about to be filed against synchrony with the proper authorities And courts if this isnt resolved quickly. Synchrony bank is actively trying to collect on me for deaths that have been legally discharged by a judge and I am going to let the courts know about this

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
S.P.S don't want to honor the forbearance extension plan. What should I do, Thanks XXXX XXXX

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
This debt was settled and paid as agreed

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This debt was settled and paid as agreed with debt collector.

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 accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
In less than 2 weeks several problems with this bank : 1 ) charge made from my credit card to put {$25.00} on this account, vs. asking me to deposit. The issue was they " open '' an account but not really, until a payment is made. They didn't indicate that one when you fill out the paperwork. I got the acct approved but apparently they didn't do squat with it until they took money from me. XX/XX/20. 
2 ) XXXX  up the billpay. Acct created on XX/XX/20, but multiple bills before that time went against my account. Refused any straight answer for why this happened. Never would address it. Nor did they address why they took, on the same day ( XX/XX/20 I believe? ) a bill pay scheduled for the future on XX/XX/20 out on XX/XX/20. 
3 ) XXXX  up the account telling me the account was only 2 weeks old ( it was over that ) and refused to tell me WHEN the account wouldn't be considered new ( one person said 30 days but you can't trust anything they say, multiple flip flops on stories given to me were pointed out in conversations ), that they had massive fraud going on from check deposits ( I had a direct deposit from a known local state agency for my check ) and why that was an issue, what other XXXX ups they hadn't done yet, and why I couldnt ' get money from a teller. They also wanted to charge {$10.00} for checks that I was told in the branch that they could print 3 checks a day for free. 
Hiding all this on their XXXX  page.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Innacurate employer on credit report. I do not work for XXXX XXXX. I work for XXXX  which I have sent my stubs to transunion multiple times only to have it reappear.

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 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This debt was settled and paid as agreed with debt collector.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my addresses ftc violations that were filed accounts also : XXXX XXXX XXXX XXXX inquires not mine avantus niches fcu

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 — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Ive gotten between one and seven calls, usually leaving automated messages, every day for months. Ive had to pay for a service to block the automated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had purchased medicine that's apparently originating from XXXX and it's counterfeit. The package arrived clearly was tampered with and the medicine is a clearly counterfeit version from some unknown manufacturer in XXXX. I've tried to return the medicine but the company will not accept it stating its due to Corona virus fears. 


I had called Chase in XX/XX/2020 to request a refund and the representative has accepted my claim stating that I will need to fill out a letter which will come in the mail. Few weeks later, after the letter never came, I called again and was told that Chase will send out another letter which I should fill out and return. 

Then I called again in XX/XX/202 and another rep has finally informed that the letter is available online in my portal for the bank and that I should download it and return and hopefully they can accept the claim since it's been over 90 days but I'm not sure. I'm hoping you guys could help me to make sure this claim is accepted. Thank you, XXXX XXXX

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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  address not mine accounts that were filed to the ftc 60 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC will not allow XXXX connection

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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX address not mine accounts that were filed to the ftc 60 days ago

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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address not mine accounts that were filed to the ftc 60 days ago

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX National Credit Systems opened a collection action against me in the amount of {$950.00}. NCS reported to all three credit bureaus that XXXX XXXX XXXX  is the original lender. The invoice by XXXX XXXX to me was not a loan, but rather charges for damages to an apartment I rented for 15 years. The claim of damages was for smoking in the premises which was not dissalowed. 

I disputed the charges with XXXX XXXX, National Credit systems, and all three credit bureaus stating that this was not a recurring payment, a loan, or a charge permitted under the rent agreement between myself and XXXX XXXX. In the only telephone conversation with NCS, I stated that this charge was a contract dispute, I would not pay it, and would welcome any lawsuit against me to collect the charges. NCS stated they would not pursue the matter further, but reported the uncollected charge to the three major credit bureaus. I also requested to XXXX XXXX to sue me in court, but they have not done so. 

NCS inititially reported this unsubstantiated charge five times to XXXX between in XXXX according to XXXX  records. NCS has also just recently reported it again in XX/XX/XXXX to XXXX, and XXXX has reported it again as a late payment. According to credit laws and regulations, this is not allowed as this is not a recurring payment as explained above. 

My filings with the three credit bureaus stated that this charge was a contract dispute with XXXX XXXX and not unpaid rent or any other recurring charges, but all three credit bureaus replied to me that they had validated the charge. Their " validation '' would require them to make their own legal opinion of fifteen years of contracts, contract amendments, apartment rules changes, grandfather clauses in the contract, and XXXX XXXX managements to me acknowledging that smoking was acceptable under my contract terms. 

The deragatory negative reporting of this charge by the three credit bureaus without a proper validation process of a contract dispute leaves the door open for abuse to me by XXXX XXXX and National Credit Systems. This matter can only be settled by a court of law and should not be allowed to be reported as a derogatory account on my credit reports. I can not bring a lawsuit in small claims court since I can not show a monetary loss or expense. XXXX XXXX or NCS will not sue me as they both know that they do not have the contractual basis to charge me the {$950.00}. A court could rule on this matter in 30 minutes, but XXXX XXXX and NCS has chosen in malicious behavior instead. And the three credit bureaus should not be able to list this on my credit reports based on their delinquint and abbreviated " validation process ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC will not link my checking accounts to XXXX Investing.

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: FL

Complaint narrative:
I disputed the accuracy of a bankruptcy listed on my equifax credit report back In XX/XX/2020. I  followed up the beginning of XXXX because its been longer than 30 days and its still listed as under investigation on the My equifax portal and wont allow me to dispute it again. I called the customer service lien and explained to the young lady the issue and she kept telling me it was disputed a few days earlier on XX/XX/20. I asked her how could I dispute something online when its been in the dispute process for nearly the past two months.I told her I had all the documentation showing that its said its been in dispute for over 3 days and why wasn't it being removed accord to the fair credit reporting act. She said she would put an escalation ticket in and someone would be getting back to me. I've heard nothing. it's now XXXX and been over 30 days again if we are going with the lady saying it was disputed on XXXX. This is clearly a violation and the item needs to be removed because it has went past the 30 day deadline. I have all the information printed and kept for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I have paid my XXXX XXXX Bill. XXXX has XXXX Balance in their system. Months later a Company name Amsher Collection Service added a {$140.00} collection amount in to my credit. 
Their phone system is set up to not receive phone calls. 
They illegally add an amount that does not exist. 
I think They called me lying under the name of XXXX to get paid. 
My credit drop 54 point.

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