vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report:XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Conn's, Inc.
State: TX

Complaint narrative:
To whom it may concern ; XXXX XX/XX/2020 I received an alert on my credit report stating Conn Appliances had reported a missed payment. My monthly payments are due every XXXX of the month. My payment prior to this date was made on XX/XX/2020. On XX/XX/XXXX, I called Conn 's customer service phone # and processed a payment over the phone I asked the rep what my balance was to bring my account current because I knew I owed XXXX but it wasn't 30 day 's late. She said {$150.00} and that would put my account at a {$0.00} balance. My account should not of been reported 30 days, especially by them reporting it on XX/XX/2020 it hadn't been 30 days. 

On XX/XX/2020 I called to speak about this matter they stated I needed to send an email to dispute the issue. Which I did, I called a few days later XX/XX/2020 and the rep I spoke to stated Conn 's did not report a missed a payment advised her they did and also let her know I sent an email about this issue. She looked into and she did see my email and stated the email was sitting there unread but she would fwd to the right department but she could not give me a time frame of when it was going to be reviewed. A week later XX/XX/2020 I called back and spoke to XXXX XXXX Employee ID # XXXX from the billing department he reviewed my account and he stated this was an error by Conn 's and he stated I would received a letter via email stating this matter had been taken care of. He asked me to call back within 72 hours in case I did not receive it. 

I didn't receive the letter, I called back XX/XX/2020 and spoke to XXXX a ( supervisor ) she stated she needed to send the account to " Maintenance '' to update billing and she would make a note for the credit bureau department that this was in fact an error. She also stated the issue would be resolved within 72 hours. She wasn't sure on the letter to my lender, but she assured me she would call me back same day to confirm. If for whatever reason I didn't answer she would leave a voice mail or call back again. I was off of work that day and had my phone on me all day and she did not call me back. I called back today and spoke to another ( supervisor ) she stated she needed to further review my payment 's on the account because she notice XXXX 's payment was NSF I'm not sure why because on my bank account it was drafted. She stated she would get back to me by the end of next business day. I have been getting the run around on this matter for the past month and no one, not a rep nor a manager have been able to resolve this issue. If my account was in fact late why didn't I get a written document via email or mail or a phone call. Attached are copy 's of my bank statements from 2020, including XXXX 's draft!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
XX/XX/XXXX customer called the company about a settlement letter for {$1200.00} from the original creditor XXXX company representative called and transferred to manager where he asked for the letter to emailed to him XXXX company representative called and stated that the offer was approved and wanted to set up payment ... planned for XXXX but the company was closed XXXX company representative called in the morning and afternoon ... I submitted the credit card info just to be told there is a problem. They asked for a copy of the letter XXXX company representative called again to offer a XXXX settlement and then transferred me to a manager. I politely said no stating you agreed to one amount just change it to a higher amount when I was ready to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Trying to establish a payroll account for my new job

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX. XXXX XXXX Balance amount is inconsistent with other credit agency. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC will not allow me to access my account via third party app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
We changed phone companies, XXXX XXXX XXXX sent a bill saying we still owed them {$25.00}. 
I emailed them for an explanation, they said it was a mistake dont worry about it. 
I kept checking my account there & they continued to show a {$25.00} balance. 
I contacted them several times & each time they said not to worry about it because we did not owe any amount. 
Now we received a letter fro XXXX XXXX  demanding the money., I have all the correspondence saying we owed nothing. 
Its only {$25.00} but come on how many people are they doing this too?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  XXXX XXXX Balance amount is inconsistent with other credit agency. Please delete 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 2020-07-08 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report:XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , XXXX  XXXX XXXX , XXXX  XXXX, XXXX  , XXXX  , XXXX XXXX XXXX , XXXX XXXX  , U S DEPT OF ED/XXXX , XXXX XXXX  , XXXX XXXX XXXX Inquiries : XXXX/XXXX  XXXX 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 2020-07-08 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my reportXXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , XXXX  XXXX XXXX , XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX  , U S DEPT OF ED/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Company Inquiries : XXXX/XXXX XXXX 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 2020-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XX/XX/30 customer called the company about a settlement letter for {$1200.00} from the original creditor XXXX company representative called and transferred to manager where he asked for the letter to emailed to him XXXX company representative called and stated that the offer was approved and wanted to set up payment ... planned for XXXX but the company was closed XXXX company representative called in the morning and afternoon ... I submitted the credit card info just to be told there is a problem. They asked for a copy of the letter XXXX company representative called again to offer a XXXX settlement and then transferred me to a manager. I politely said no stating you agreed to one amount just change it to a higher amount when I was ready to pay

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 2020-07-08 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid an escrow balance over the course of many months. I actually overpaid slightly, and Bank of America sent me a refund check for the overage. Two months later, Bank of America now says I have a balance and is charging me a monthly fee. I have attempted to call them numerous time and sit on hold for over an hour without an answer. I am unable to go to an office because they are closed by the time I am off work

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 2020-07-08 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-08 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: The CMI Group, Inc.
State: CA

Complaint narrative:
A company called Credit Management sent a bad debt notice to credit agencies for a debt that I do not owe. I contacted them over a week ago and have not heard back a word while their mark on my credit report has affected my credit negatively in a substantial way. I need to make them responsive in order to get this bad mark removed ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I am perplexed as to why receivables performance remains on my credit report after I have asked for a validation of this account. There is/was never a contract with the original creditor XXXX, I see a balance reporting of {$110.00}. What are the steps taken to validate this account as mine? 


Receivables performance did advise of a prorated amount and XXXX advised they don't require contracts if it isn't a business. However, that is not acceptable as I am advising this is not my account. This has become a direct violation of FDCPA and if not resolved immediately I will further my reporting.

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 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I sent two payments through cashapp to someone who was supposed to repair and upgrade a computer for me to start working. He never did any of the work or upgrade and refused to issue a refund on either payment. Both payments totaled {$500.00} and it put me far behind on bills and also made me lose a job opportunity. I have spoke with cashapp several times about it and was told there was nothing they could do or were going to Do to help me and I was basically going to have to take the loss. I tried disputing the charges with my bank with no luck their either. Cashapp let a man steal XXXX $ from me and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I tried calling company and telling them I have no knowledge of this account also they have no signature or proof that I setup this account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Southern Financial Systems, Inc.
State: LA

Complaint narrative:
On XXXX XXXX, I was XXXX  and went to the Er at XXXX XXXX Hospital in XXXX XXXX Ms . I explained to the er nurse what happened and she documented everything. I got a call from the hospital about a month later in regards to the bill and I explained to the lady that I am fully covered by XXXX and XXXX as I am XXXX. However Im not sure if they would cover it as it was the result of an XXXX. She said that she would look into it and get back to me. I did not hear from her and now I have a southern financial systems reporting a failure to pay on my credit report. I did not enter into any sort of contract with southern financial systems and did not give XXXX XXXX hospital permissions to release any of my information to said company. I have provided information necessary to get this debt paid. Why is it on my account and why is a company that I have no dealings with reporting it? I have never received a paper bill only the phone call from the billing agent asking when I would make a payment. I told her at that point of my full coverage insurance and notified her that I had never gotten a bill. Also the XXXX advocate group agreed to pay any over allowed balances from the hospital bill from the XXXX. I did not get any other correspondences besides this popping up on 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 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC will not allow me to access my account via the XXXX investment site

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I paid the account off. I was later told that there was a financial charge that was applied after I paid the account off. I then made that payment. Now each month they are charging me a finance charge when I totally paid it off. 

I have called and got a very rude rep that would not hear what I was answering.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
After reviewing my credit I noticed an account from XXXX XXXX XXXX original creditor is XXXX in the amount of {$1200.00}. I paid this account off in full and closed the account there is no balance owed.I sent letters to XXXX XXXX XXXX asking for proof that this is my account bearing my signature. They sent me letters stating the amount owed but no proof that this was my bill. I then sent Experian, XXXX, and XXXX  letters explaining that this must be a fraudulent account as my XXXX account was closed out and paid off. The credit bureaus sent me copies of my report and said the account was valid, again they did not verify my signature or show me proof of any purchases. This account was closed in good standing and had no balance owed when I closed it out.

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 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: ME

Complaint narrative:
Blackwell Recovery XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX On XX/XX/2020, I received a letter from you dated XX/XX/2020. The letter claims that I have a balance due to XXXX XXXX XXXX subject to a contract. 

I dispute the validity of this debt. I know of no such contract. Please provide evidence of such a contract showing my valid signature. 

Our arrangement with XXXX was based on monthly payments, which we ceased several years ago. Since then, we have not used nor intend to use XXXX 's services.

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