vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: CL Holdings LLC
State: PA

Complaint narrative:
A XXXX XXXX employee told me that I was no longer under contract at the time I switched my account to XXXX XXXX XXXX. The month after I got 3 - {$200.00} charges for early termination. I attempted to argue the fact that the employee told me I was no longer under contract because I had reached my initial 2 years, per the contract details, but XXXX stated they had no record of the conversation. I have disputed these charges repeatedly, but I don't have a record of documentation, only phone conversations that XXXX claims don't exist. I had a reference number for that conversation, but they said in was invalid. I don't understand how they are able to get away with lying to their customers and ruining their credit record. My account has now been turned over to Jefferson Capital Systems and I explained to them that I am refusing to pay this balance because I never should have been charged those fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I filed two disputes with XXXX. XXXX  failed to record one of them, despite a full length letter I had uploaded. In the meantime, my formerly excellent credit has been completely destroyed. All of this is in regards to fraudulent use of my SSN to open a credit card account, which should have been resolved by the furnisher six months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I'm am trying to link my PNC account to an investment app called XXXX, but my bank is not allowing me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE LATES AND CREDIT INQUIRIES THAT DONT BELONG TO ME. PLEASE I WAS SICK I CALLED XXXX THEY SAID THEY WOULD UPDATE I HAVE SEVERAL INQUIRIES FROM EXPERIAN XXXX XX/XX/XXXX Experian XXXX CARD XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX, XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  aLL ABOVE IQUIRES ARE NOT MINES

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 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Hi, monday XXXX XXXX I ask a relief foresbance for XXXX, XXXX and XXXX in My morgage : United Whole Morgage and I submitted it in the web I have the screenshot on XXXX XXXX, and I got a Negative report in my Credit Score with delay in the month XXXX, they had a mistake because I ask the plan foresbance with a lot time anticipation for XXXX, and They just are telling me they are doing the investigation and I dont get solve, I am in XXXX and my Negative point is reported yet like a delay in my payments and not like foresbance plan with them, they tranfered the credit for another company and now they are not being responsible with the mistake. 
I need help because that is affecting my credit unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been trying to fix my credit since since 2016 I was XXXX and I find out that my identity was used

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 2020-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed inquiries on my credit report to XXXX, XXXX  and trans union in regards to unauthorized inquiries. I have been contacting each of the companies since XX/XX/2019 to no resolve. I received letters staying that my request are frivolous. 
This is causing me and my family great hardship in the current crisis. I am a XXXX veteran trying to use my VA benefits to obtain a mortgage. With all the inquiries on my reports, makes it impossible to get an approval with a great rate and less money towards upfront fees.

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 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I tried to connect XXXX to my PNC checking account today. ( XXXX ) Previously I had been able to do this. Now, even with login  and pin, pnc denied XXXX access. 

I haf similar issues trying to connect XXXX  app a few months ago. 

I get not wanting to allow competing financial products access to my money, but it is my money, and I am just trying to send money for funeral flowers and save XXXX $ a month in a side account, these are not big bank projects, or at least not big bank projects that PNC does well. Hence allowing authorized apps access ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
My parents were contacted about a supposed legal action against me for a debt. I called the number they were given on XX/XX/XXXX which was XXXX and gave them the reference number of XXXX. I was told I owed a debt from HSBC and was being sued by another collection company. I have no evidence of the debt on either a credit report from XX/XX/XXXX or XXXX of XXXX. The collection company refused to tell me what the debt was for and claimed I was mailed a notice in XXXX of XXXX, which did not happen. 

I called on XX/XX/XXXX and asked for more company information and was told that they worked for XXXX who buys debt and uses XXXX to collect. I asked for a license number, which was refused. I was told this was from an HSBC credit card and I do not recall ever having a card from HSBC and have no record of one on my credit reports over the past 2 years. I asked to be forwarded to someone with a license number and was told this could not be done as this was not in litigation, which is not what I was told on XX/XX/XXXX. I asked for a validation notice to be mailed to me to show the debt originator and chain of custody and was told it would be mailed in 30 days. I said this was illegal and it was due in 5 days and was told there was nothing to be done. I asked about when the debt was purchased and was told there was no information. 

These people had my SSN, drivers license number and address. Other phone numbers I was given were XXXX & XXXX. I was told not to contact these two companies directly as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-06-01 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting a fraudulent account that was a result of identity theft. Fraudulent accounts are continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed inquiries on my credit report to XXXX, experian and XXXX XXXX in regards to unauthorized inquiries. I have been contacting each of the companies since XX/XX/2019 to no resolve. I received letters staying that my request are frivolous. 
This is causing me and my family great hardship in the current crisis. I am a XXXX veteran trying to use my VA benefits to obtain a mortgage. With all the inquiries on my reports, makes it impossible to get an approval with a great rate and less money towards upfront fees.

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 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal has not responded to my communication request through email and their messaging system, which states that money was sent to them by XXXX through Visa.

This is an update to the case - please do not close as duplicate as it is using new and updated information. I am only uploading one single document to prevent confusion. 

Per XXXX - " When we completed our research, we sent your funds back to PayPal through Visa. The merchant can locate the funds by using ARN numbers XXXX and XXXX " Paypal has stated on their website that I won this case - This was miscommunicated to XXXX XXXX, who sent the funds back to Paypal. So, now that the money is back to Paypal 's hands, per Paypal 's policies I won this case based on the seller having no protection due to it being sold through Paypal Gift.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I HAVE LATES AND CREDIT INQUIRIES THAT DONT BELONG TO ME. PLEASE I WAS SICK I CALLED XXXX THEY SAID THEY WOULD UPDATE I HAVE SEVERAL INQUIRIES FROM XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  aLL ABOVE IQUIRES ARE NOT MINES

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE LATES AND CREDIT INQUIRIES THAT DONT BELONG TO ME. PLEASE I WAS SICK I CALLED XXXX THEY SAID THEY WOULD UPDATE I HAVE SEVERAL INQUIRIES FROM XXXX  XXXX XX/XX/XXXX XXXX  XXXX CARD XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax aLL ABOVE IQUIRES ARE NOT MINES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I would like to open an account with XXXX  investing and I can not because PNC will not allow me to do so. PNC has no right to control how I spend my money and I feel they are restricting me from investing in my future with an account with XXXX. XXXX is an inexpensive way for me to save up money for the future. I would appreciate it if PNC would allow me to link up my account to XXXX   and start investing for my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian has an account listed on my credit report that is a fraudulent account. I never signed up for an account with this company. It is negatively affecting my credit, thus affecting my ability to provide a better life for myself and my children. After speaking with the company they continue to allow the information to be on my report. This account is not listed on either of my credit reports with XXXX  or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax ; XXXX  and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX XXXX   partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These student loan accounts have been deferred and reporting these items as late is a violation of the Fair Credit Reporting Act. The FCRA mandates that items need to be reported accurately on a credit report. I have attached a copy of the deferment letter for reference. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Had to place a credit freeze on my account after the security breach at the credit bureau. Now they wont release my credit without faxing my info, waiting 7 days, then mailing me a response. You cant talk to a human being until being put through multiple questions by a computer. If you go through their web site, changing the password does not work so they completely lock you out after one attempt. No company should be able to shut down your life for a month. Credit is too important for any company to do this. They failed the first time. Shut them down. Now they are taking it out on the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX XXXX   partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These student loan accounts have been deferred and reporting these items as late is a violation of the Fair Credit Reporting Act. The FCRA mandates that items need to be reported accurately on a credit report. I have attached a copy of the deferment letter for reference. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX XXXX   partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These student loan accounts have been deferred and reporting these items as late is a violation of the Fair Credit Reporting Act. The FCRA mandates that items need to be reported accurately on a credit report. I have attached a copy of the deferment letter for reference. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney This original creditor was XXXX XXXX during XXXX of XXXX. I was in automobile accident and was treated at XXXX XXXX  recommended by my attorneys. XXXX XXXX  had been paid in totality after the settlement of the accident and we were in communications with them prior to them selling the account to Amcol Systems. I do not owe anything to XXXX XXXX  and or Amcol Systems and their negative presence on my credit report is negatively affecting how I am viewed to lenders and my score. I am asking that they be removed from my credit report all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: IL

Complaint narrative:
Experian say I have 21 late payments on XXXX  XXXX  with XXXX. I file a bankruptcy. I should have 21 late payment in my credit history.

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 2020-06-01 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: CA

Complaint narrative:
I tried to donate to The XXXX XXXX to help bail protestors in DC out of jail. I got a notice when I tried that said " PNC has made a change that prevents you from being able to link accounts ''. I'd like to be able to donate to this fund ASAP.

Company response to consumer: Closed with explanation