vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2020 I wrote Barclays Bank a letter attempting to settle a debt. I received a letter dated XX/XX/2020 requesting I call the company. I made several calls, and finally was able to get in touch with a manager that stated she could assist me with this matter. We spoke and agreed on an amount. I was told to mail the check to the billing department. I was also told the this would be considered fulfilled once the check was received, process, and cashed. On XX/XX/2020, I sent the payment agreed upon, with a letter stating the conversation ( attached ). This letter clearly states the terms for which this was to be considered paid in full and removed, once the check was cashed. I consulted with and attorney that stated, if they did not agree they should not have cashed the check and returned it. I reached out to the credit reporting agencies to have the debt removed as promised, only to have Barclays reject the agreement after receiving payment. I have attempted to contact Barclays again and was told " someone will call you back '', however no one has. This is not right.

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 2020-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I spoke with a XXXX from XXXX and told them that they are showing my account past due for XXXX on my credit report. He stated that he would get them to fix that because it shows that I have made all the payments they just don't show applying it to my account. He stated that their systems have been making big mistakes lately and they had a bad glitch. He said he will send it to their internal credit dept. and it should take 72 hours. In XX/XX/XXXX I went to apply for a car loan and we was denied due to the late showing my XXXX report. 
On XX/XX/XXXX I contacted XXXX at XXXX and spoke with XXXX. She looked at my account and confirmed the same as the rep from the previous call that I was never late for XXXX or any other month. We though that this happen because my scheduled payments were changed from the XXXX of every month to the XXXX of every month. After further investigations XXXX stated that would not be the case either because my change started in XXXX and it is showing on the credit report that XX/XX/XXXX was late. XXXX from XXXX stated that she would be sending this to the internal credit dept. to have them send an update to the credit bureaus showing I was never late. 
On XX/XX/XXXX I sent an a dispute to XXXX  and the came back with their results on XXXX showing the balance had been updated but the past due still shows on my account which made my fico score drop 56 points. 
XXXX I sent another dispute through XXXX and showed records that I am attaching here if able to show proof from my account at XXXX, I was never late and they received all my payments every month and the XXXX payment shows received. 

I feel that being turned down for credit because of the error XXXX created and XXXX not seeing the proof I sent to fix it is making my life stressful. I need to get this repaired and my credit report fixed. I have taken all the proper steps in contacting the bank, contacting the credit bureaus and still can not get it fixed. I have proof and I even have the statement from XXXX showing my payments received. 

I am asking for someone to please assist me with this matter because it is become a true hardship to get any of my credit in line and I am afraid that the current credit l have now will start pulling my line of credit or reducing my high limits due to this error that XXXX has created. I don't know where else to turn. 

Thank you, XXXX XXXX XXXX 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 2020-07-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I spoke with a XXXX from XXXX and told them that they are showing my account past due for XXXX on my credit report. He stated that he would get them to fix that because it shows that I have made all the payments they just don't show applying it to my account. He stated that their systems have been making big mistakes lately and they had a bad glitch. He said he will send it to their internal credit dept. and it should take 72 hours. In XX/XX/XXXX I went to apply for a car loan and we was denied due to the late showing my XXXX report. 
On XX/XX/XXXX I contacted XXXX at XXXX and spoke with XXXX. She looked at my account and confirmed the same as the rep from the previous call that I was never late for XXXX or any other month. We though that this happen because my scheduled payments were changed from the XXXX of every month to the XXXX of every month. After further investigations XXXX stated that would not be the case either because my change started in XXXX and it is showing on the credit report that XX/XX/XXXX was late. XXXX from XXXX stated that she would be sending this to the internal credit dept. to have them send an update to the credit bureaus showing I was never late. 
On XX/XX/XXXX I sent an a dispute to Experian  and the came back with their results on XXXX showing the balance had been updated but the past due still shows on my account which made my fico score drop XXXX points. 
XXXX I sent another dispute through experian and showed records that I am attaching here if able to show proof from my account at XXXX, I was never late and they received all my payments every month and the XXXX payment shows received. 

I feel that being turned down for credit because of the error XXXX created and Experian not seeing the proof I sent to fix it is making my life stressful. I need to get this repaired and my credit report fixed. I have taken all the proper steps in contacting the bank, contacting the credit bureaus and still can not get it fixed. I have proof and I even have the statement from XXXX showing my payments received. 

I am asking for someone to please assist me with this matter because it is become a true hardship to get any of my credit in line and I am afraid that the current credit l have now will start pulling my line of credit or reducing my high limits due to this error that XXXX has created. I don't know where else to turn. 

Thank you, XXXX XXXX XXXX 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 2020-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Agency of Credit Control
State: CA

Complaint narrative:
This company is illegally attempting to collect a debt not owed by me. They added this on to my report an this is affecting my ability to get a mortgage with COVID

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
to whom it may concern my credit card was used on fraudulent activity on XXXX XX/XX/2020 amount of XXXX dollars. it was over the internet transaction. the activity was attempt of XXXX first and it was denied and then second attempt of XXXX went through. i called the citi mater credit card company on XXXX XX/XX/2020 and they said it was pending and they were able to stop it and i should be able to have my money back 2-3 business days. on XX/XX/XXXX, they charged XXXX on my card. and they said their fraudulent investigation takes up to 90 days. 
i didn't get any text alert or phone alert to approve the transaction nor they didn't keep their promise.

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 2020-07-03 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:
ftc violations listed and filed to FTC XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Creditor Name XXXX XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- ATTORNEY GENERAL-XXXX Account Type XXXX XXXX  Account Status Open XXXX XXXX XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have saved over XXXX dollars with the XXXX app. Your institution has stopped XXXX  from accessing my money to help me save. I want it back available to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
ftc violations listed and filed to FTC XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Creditor Name XXXX XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- ATTORNEY GENERAL-XXXX Account Type XXXX XXXX  Account Status Open XXXX XXXX XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/XXXX 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 2020-07-03 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:
ftc violations listed and filed to FTC XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Creditor Name XXXX XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- ATTORNEY GENERAL-XXXX Account Type XXXX XXXX Account Status Open XXXX XXXX XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/XXXX 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 2020-07-03 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: LEXISNEXIS
State: CA

Complaint narrative:
I called Lexisnexis on XX/XX/2020 to file a dispute for inaccurate information on my report ( such as : misspelled names, addresses and bankruptcy ). They did not complete the investigation within 30 days. I called back on XX/XX/XXXX to check the status and was told it was still within 30 day time frame for investigation and would be complete around XX/XX/2020. On XX/XX/2020 I had not received any investigation results and called customer service to report the non response and the rep told me that they could not print my paperwork so they had not been able to mail my results. They are in violation. I expressed in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. The rep stated that all info was suppressed and I would be receiving these results in the mail within 10 business days. I have not received anything in the mail removing the above inaccurate information I disputed on XX/XX/2020. I am asking that all inaccurate names, addresses and bankruptcy be removed from this third party Lexisnexis report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
About two years ago my original checking account Chase Bank Visa debit card was cancelled for fraud by someone in the State of Florida trying to empty my banking account by billing other websites without my permission by the bank, while I'm living in XXXX. 

I have been unable to have a replacement Chase Visa card mailed to me 8 times possibly for theft within the XXXX postal service. 

I went to the local Chase Bank branch for help in XXXX XXXX XXXX, but they will not even allow me in to office to get help only being for large corporate account clients. 

I have talked to the bank 's customer service several times trying to get a card with no success. 

I even asked Chase Bank customer service to have a new card sent to my forwarding address service ; which they refuse to do to use XXXX or XXXX to get a new card to me at my own expense using my former XXXX Visa debit card tied to XXXX which is now also unavailable for my use with XXXX mail forwarding service. 

I have suffered much as a retiree in the first three weeks without a Chase Visa card to have money in XXXX with much stress. I had funds transferred using the service XXXX to the hotel manager in XXXX using those funds to open a local bank account with Visa card that saved me. Since then the XXXX XXXX government has changed their laws against foreign tourists not working inside XXXX or having a corporate business inside the country. I was lucky in having a grandfathered in local debit card with XXXX XXXX  available to use only domestically inside XXXX, but can not pay for any international product purchases or service transactions. 

XXXX also has an international account access via MasterCard debit card that is unavailable to me to solve my situation, but will not allow because of residence within XXXX. 

Two days ago I called Chase Bank customer service, but was hung up on because of poor connection service from XXXX using my US telephone forwarding service XXXX, which is not Chase Bank 's problem. 

If a new card could be sent to the local US Consulate Office in XXXX XXXX XXXX for me to pickup in person for example would be quite helpful to my situation. 

I'm trapped inside the country because of Covid now with no way to fund further travels if I so desire in the future making even returning to the US difficult after arrival. 

The XXXX locals I give money to do online transactions for me but sometimes am cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ive paid the loan on time except in XX/XX/XXXX. The company showed my account as repossessed and every time I would contact the company about my account status no one could tell me how to fix it. I had my car and it was not repossessed. They reported my account as repossessed for two months when in fact my account was not repossessed. On several occasions the customer service rep would keep me on the phone for over an hour reading notes and then would constantly transfer me to another person who would brush me off and tell me they would fix it and call back in 30 days. This was done several times. All calls are recorded but no one seems to know why my account shows a delinquent status. 
In XX/XX/XXXX I paid ahead for my payment due in XXXX ... in XX/XX/XXXX Ally financial reported my account as delinquent for XX/XX/XXXX. I paid early and my payment was not due until XXXX back in XXXX. This company does not report to credit bureaus properly. I requested they change the status of my account and they gave me a confirmation number and still no one has done anything to fix my account status which is affecting my life and credit score. I am unable to apply for a mortgage because this is affecting my FICO score. 
I feel that I have exhausted all attempts to correct my account with this unprofessional company with no success. My last attempt was on XX/XX/XXXX, I stayed on hold for 45 mins before someone came on the line and disconnected the call. Ally Financial is extremely unprofessional and negligent when it comes to my personal credit file. Please make them fix 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 2020-07-03 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: FL

Complaint narrative:
I sent out letters certified over 45 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding to this request in a timely manner.

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 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have existing personal account with the Bank for 20 years and opened a small business account online on XX/XX/2020 by uploading required information including funds transfer from my personal account. On XX/XX/2020 I received a secure message from the Chase Online that I need to upload a business identification document by XX/XX/2020 by responding to their secured message and enclosing the document in that response email. I did respond and enclosed the required document within minutes on XX/XX/2020. On XX/XX/2020, I received a communication via Chase Online system that my account has been blocked and shall be closed soon as I had not provided the requested information. I called the Customer care on the number given in the communication on XX/XX/2020, who advised me to contact another number handled by their Compliance Department. I called the other number and was told to go to a Branch to resolve this as the information sent by me earlier in response to their request on XX/XX/2020 was collected for the documentation purposed only and I should have gone to the Branch to avoid this situation. My complaint pertains to the carelessness and negligence in Bank 's handling of customer concerns and misguidance and unlawful blocking of accounts. The communication from the Bank and my responses are there for review to note that ; ( 1 ) The bank asked to provide information by responding to secured email on XX/XX/2020, which was done on the same day, ( 2 ) The Banks never required me to go to Branch for providing this information as per the request for information on XX/XX/2020, ( 3 ) The customer servicer misguided and refused to help me on XX/XX/2020 by stating that I should have gone to the Branch instead of sending information via secure message on XX/XX/2020 as directed by Bank, ( XXXX ) The Bank had unlawfully blocked my account and is holding my funds in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: OH

Complaint narrative:
Pnc, wont let me link accounts to other apps so I can transfer money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent out letters certified over 45 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding to this request in a timely manner.

Company response to consumer: Closed with explanation