vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I'm trying to connect my bank account to my XXXX account and I'm unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I inadvertently sent two payments for the full amount due to my credit card with XXXX XXXX. When I realized my mistake I called customer service and was first told that I had to call back after the payment had posted to my account I had called XX/XX/XXXX. On XX/XX/XXXX I called again and asked for a refund to be processed and I understood that that would take 3 to 6 business days. On the XXXX I called again and saw that there was no movement of my funds so I asked to speak up to a manager and was told that payments to customers are done by check and then it takes 10 days for them to process the check. This means I will not have my funds available to pay my XXXX bills until like XX/XX/XXXX. Is this the best and most efficient way for a bank to handle a refund of excess payment? If that is the case with the CFPB please have this procedure expedited by EFT such as the payments I make to the credit card company. Thank you

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 2020-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XX/XX/2020 I called into Victoria Secret to add a authorize user on my credit card account. I was told I am not allowed to add a user due to my account being too new. I advised the rep I did not read that in the terms and conditions and I was able to add a authorize user two days ago and the rep rushed me off the phone due to the call being near closing time. I spoke to a Sr. Rep XXXX rep number is XXXX he stated by law their not allowed to add a authorize user to the account for the first 30 days. I asked where in the is that stated in the terms and conditions? XXXX stated its in a newer version not the version online. XXXX continued to give me the run around I then asked to be transferred to his manager. I  spoke with XXXX who stated their not allowed to give their full rep id out only the last four # XXXX, XXXX advised that is not in their terms and agreements its just a extra security measure their deciding to take on my account. I asked XXXX is this just my account he stated yes. I told XXXX that is showing prejudice against my account. I asked him if he could send me out that information or direct me to their website where it states you have to wait 30 days before you can add a authorize user. He stated no its not in writing its just a measure they are taking. However he told my daughter my credit line without asking me. I am not pleased with the way my account is being handled. I have NOT use this card and yet my account is being flagged and targeted. Once I was approved for my card I was offered for the same opportunities as their XXXX dollar customers I expect the same treatment. I will be filling complaints with each entity/agency!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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:
I have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters that were sent via certified mail XX/XX/2020 .It has been well over 30 days and I haven't received any 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 2020-06-26 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: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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:
They are continuously reporting fraudulant accounts on my credit report and I'm about tired of it this was reported to my local police station and according to FTC should be blocked from showing on my credit profile because this doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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:
They are continuously reporting fraudulant accounts on my credit report and I'm about tired of it this was reported to my local police station and according to FTC should be blocked from showing on my credit profile because this doesn't belong to me

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 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
They reported in my credit report that Im deceased which Im not XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-06-27 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: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: NV

Complaint narrative:
On XX/XX/20 I filed bank dispute XXXX with representative XXXX XXXX ext XXXX for purchase made on XX/XX/20 to card ending in XXXX for {$230.00} paid to XXXX XXXX. As of XX/XX/20 merchandise was returned to store at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX -phone # XXXX to supervisor XXXX & cashier XXXX XXXX whose name is on return receipt. Both workers knew I closed my XXXX account before refund but assured me refund would not be " in limbo '' .XXXX XXXX today confirmed XXXX blocked refund but refused to issue refund check. 
XXXX falsely accused me of filing multiple past claims which I closed without repayment in a fraudulent attempt to refuse issuance of final refund credit, despite receipt of both faxed & email copies of store return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am extremely dissatisfied with the way billing disputes of Barclays Bank ( XXXX ) handled my situation. On XX/XX/XXXX, I called and had an agent who tried to assist me with billing dispute in regards to goods that were not received. I let them know that I paid for multiple transitions but no product was provided. 5 day later I received 25 letters in mail stating that my cases got denied because of the merchants cancellation policy. I did not need to cancel anything, I was telling the agent that I did not receive custom product. I then ( on XXXX, XXXX ) faxed my supporting letter about the transaction and stating that I did not receive the product. I received 5 letters that 5 cases were resolved in my favor, latest being case # XXXX for {$9.00}. On XX/XX/XXXX received multiple letters dated XX/XX/XXXX for cases XXXX, XXXX, XXXX stating that bank is unable to pursue credit due to REASON UNABLE TO ASSIST. This is very disappointing and dissatisfactory. I do understand that we are in the pandemic and bank is short staffed, but there is has been a zero attempt to help me in this difficult time. The cases have not been properly investigated and no merchants have been contacted to address the situation or no response was received. I would like action to be taken and assist me with all the disputes that have been opened/closed.I feel am being discriminated against and no investigation being done in regards of the services that were not provided by the merchant. Up until today I received very little help from XXXX from Office of the president ( XXXX ext XXXX ) who closed the complaint case, stating that she saw some policy on the website, with no specifics.

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 2020-06-27 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: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive been trying to log in to their website and see my credit score and report and I cant see nothing and Ive tried contacting them numerous of times and they just forward my calls or cant tell why that is happening.

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 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive been trying to log in to their website and see my credit score and report and I cant see nothing and Ive tried contacting them numerous of times and they just forward my calls or cant tell why that is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: AL

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
For the last 2 months, I have ran behind on my payment, but way within my grace period. Example bill due XXXX each month. I start getting unkind calls on the XXXX. Last month it was already in the mail, when they called. Prior to this, it was paid on time, before time. If I paid extra on principle, they never applied. Placed in holding

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: AL

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-06-27 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: AL

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-06-27 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: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX Initial complaint filed over the phone. NewRez/Shellpoint is incumbering property tax and insurance payments from my checking account for my mortgage property located at XXXX XXXX XXXX XXXX # XXXX, XXXX CA. They are not paying my taxes promptly. This mortgage financing company is fraudulently taking insurance payments from my checking account when they clearly know I have purchased property insurance already. I would say they are embezzling my funds. Now they are trying to increase my monthly payment by {$400.00} because of an increase in insurance payments. This is fraud. They knew I had property insurance already yet they continue to take money from me for property insurance. I want them to stop taking money our of my account for property taxes and insurance effective immediately. I also want to be reimbursed for the unnecessary payments I made to their company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
I cancelled my XXXX XXXX account and returned my equipment XX/XX/XXXX. I kept getting billed for the amount of the equipment, even though I had already returned it. It wasn't until late XX/XX/XXXX that they finally credited my account ( I have the return receipt to prove it was returned ). During this time, XXXX XXXX sent the bill for {$140.00} to collection. When they finally credited my account, I contacted XXXX XXXX to check my balance. I was told my account had a XXXX  balance and the agent suggested the {$2.00} had been written off. They were not even aware my bill had been sent to collection. 
When I contacted Credence, with the assistance of XXXX XXXX, Credence argued that the entire balance of {$140.00} was an outstanding debt. The only amount that may have been outstanding was the {$2.00}, which I paid at that time, even though XXXX XXXX told me I owed nothing. 
I have appealed this negative record on my credit report and Credence refuses to remove the {$140.00} that I never owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 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: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-06-27 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: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I disputed these aligations with this company for a few months now. I've went about the situation the correct and diligent way ( following the FCRA Federal regulations ) to no avail my request was STILL not honored by this company who goes by the name " ARS '' Account Resolution Services. I was sent bills claiming that I owed three medical bills. Seeing how I've always had insurance I know indeed this debt was not actually mines. So, I disputed this account with the three credit bureaus ( XXXX XXXX, XXXX, and XXXX. Which came back quote on quote verified ... So I then sent this company ARS a verification letter according to the FCRA ( Fair Credit Reporting Act ) they had to provide a signed contract by me ( which they NEVER did ... I even offered to settle this with this company if they could provide me ANY substantial proof that this debt is and was indeed mines! Moral of the story they NEVER provided me ANY type of proof showing me ANY contract showing that I've received services from the company in which they represent.

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