vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-19 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: DC

Complaint narrative:
There are a series of issues but the main issue is that the credit card company ( Barclaycard XXXX XXXX Mastercard ) closed a dispute I filed due to the length of time that had passed from when the charge was posted. The reason for the length of time was two-fold : 1 ) When I originally called to file the dispute ( which can not be easily done online or by phone but rather must be faxed or mailed ), I was told to first attempt to resolve it with the merchant. I attempted several times to resolve with the merchant and ultimately when it was not resolved, returned to my credit card company to officially file the dispute. 
2 ) After taking over a month to review my case, I received a notification that the time a dispute could be filed had passed. 

I called the credit card company again letting them know that I had followed their instructions. They assured me they would look into it and reopen the case. After several more attempts to reach them, they have stopped responding to me regarding this issue.

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 2020-07-19 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A FCRA VIOLATION. I HAVE NOT HAD PROPER INVESTIGATION RESULTS AND I AM UPSET PLEASE REMOVE THESE INACCURATE ACCOUNTS 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 2020-07-19 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A FCRA VIOLATION. I HAVE NOT HAD PROPER INVESTIGATION RESULTS AND I AM UPSET PLEASE REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A FCRA VIOLATION. I HAVE NOT HAD PROPER INVESTIGATION RESULTS AND I AM UPSET PLEASE REMOVE THESE INACCURATE ACCOUNTS 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 2020-07-19 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian I strongly believe your company is refusing to conduct A proper investigation on my behalf And I strongly believe you are violating the FCRA. Claiming that you cant verify me when disputes are sent by no other than me with proper documentation and identifying myself. I have sent you factual base evidence of negative and violation thats reporting on my credit file and your office refused to remove or do a proper investigation on this XXXX day of XX/XX/2020 Im requesting your office to provide me a copy of everything in my credit file this will need to to include every dispute that you claim you conducted with dates of the result also alll credit contracts and credit application that your office should have on file in order to report. I know your office will say you are not required by law to send that information in which I know that is not true the law is clear your office should have contract copies of credit application in the consumer credit file and I need that information sent to me fcra 609 clearly stated that I have the right to asked and that you would have to provide this information upon request I will be waiting

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 2020-07-19 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I submitted lease payments via my banks electronic bill payment system on XX/XX/20 and XX/XX/20, which were both paid timely. These were the first two payments made on a new lease, and due to an accounting error by the bank ( they were going through a merger at the time ) the payments were made to my previous lease account.

I did not become aware of this until I received a statement from Ally Financial indicating that I was in arrears on my lease payments. 
I contacted both Ally and my bank ( XXXX XXXX to determine what had happened because I had confirmation of the payments being made by the bank to Ally. 
After several calls to a call center, apparently the error was found and the funds were reconciled to the proper/current lease account. The reconciliation took place on XX/XX/20 according to Ally 's records. 
my problem/grievance is that even though the problem has been addressed and rectified, Ally has not corrected the information it forwarded to the 3 credit reporting bureaus, and now they all report my credit rating as lower by a significant score. 
I want the record corrected, and my score prior to this error, reinstated.

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 2020-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Account was paid off and settled XXXX, The account is now being reported on my credit report as a collection account with a balance of {$3.00}. This is a violation of FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have asked Experian to remove old addresses and phone numbers not connected with my current credit history and they have repeatedly denied my request. Also since calling and providing them with my most current living address they have started to mail reports to a prior address. I have informed them that I do not live there anymore, but they still send information to that address. I considered this a breach of personal information. 

They are sending my personal information to someone else and refuse to use my current address and I feel that this could affect my livelihood. I have called their customer service, who was extremely rude and unhelpful, to ask them to take off the old addresses and contact information and use my current information but the person on the phone only added my current address nothing else. When I asked her to take all the other off she got snappy and kept cutting me off. I have been in dispute with them for about 5 months now and have sent letters with my current address and identity confirmation, but they claim that what they have is not enough. 

I have the right to request the removal of old information and have been denied. I do not appreciate them ignoring my concerns and request.

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 2020-07-19 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: IN

Complaint narrative:
I am curious if the credit reporting company stated that it was taking this long to do something because I was the son of XXXX XXXX would you except it? I got the information from the bank for Trans Union. I called Trans Union and ended the dispute. I did that because Trans Union could not look into my case while the dispute was open. So I ended the dispute and they made a notation to my credit report. But they failed to remove the notification of the delinquent report. They have continued to blame XXXX XXXX  for this erroneous report. So lets keep this simple. I am requesting a copy of the report that XXXX XXXX  sent and or around XX/XX/XXXX stating that I was delinquent on a payment of XXXX.My guess is they wont be able to produce one because XXXX XXXX  has told me repeatedly that they have never submitted one

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 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC is not allowing XXXX  to have access to accounts. 
I tried to sign up, but the issue is at PNC 's end. 
This bank should allow information-pass through to XXXX so end users can use this service with their PNC accounts and thus have another line of protection since XXXX generates unique credit card numbers and I think ( in my case ) can limit fraud occurring. XXXX cards can also have set limits placed on them, unlike traditional credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I authorized XXXX  to save money for me and PNC is no longer allowing XXXX  to have access to my account! I've been using XXXX for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: MI

Complaint narrative:
I submitted lease payments via my banks electronic bill payment system on XX/XX/20 and XX/XX/20, which were both paid timely. These were the first two payments made on a new lease, and due to an accounting error by the bank ( they were going through a merger at the time ) the payments were made to my previous lease account. 
I did not become aware of this until I received a statement from XXXX XXXX indicating that I was in arrears on my lease payments. 
I contacted both XXXX and my bank ( XXXX ) to determine what had happened because I had confirmation of the payments being made by the bank to XXXX. 
After several calls to a call center, apparently the error was found and the funds were reconciled to the proper/current lease account. The reconciliation took place on XX/XX/20 according to XXXX XXXX records. 
my problem/grievance is that even though the problem has been addressed and rectified, XXXX has not corrected the information it forwarded to the 3 credit reporting bureaus, and now they all report my credit rating as lower by a significant score. 
I want the record corrected, and my score prior to this error, reinstated.

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 2020-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have a derogatory mark on my credit score from rapid cash LLC. During that time I was going through financial hardship from job loss. The interest rate that was applied to this loan was too much for me to pay at the time and it took a while for me to get back into the workforce and now I have not been able to get a hold of them in order to resolve this issue. I would like to be forgiven the negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
The credit card company debited my bank account for annual renewal fee WITHOUT sending a statement. When this fee showed up on my bank account without any prior notice I disputed it. On XX/XX/XXXX I received a postal letter that my account was overdue. Then I spent 25 minutes on telephone with their representative before she told me that an account supervisor would have to do this. The account supervisor was to call me back later on XX/XX/XXXX. This never happened. Today I have been on their website for almost an hour trying to cancel account but I end up in a loop that constantly sends me back to a previous location.

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 2020-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I originally had phone service with XXXX and decided to go with XXXX XXXX XXXX. However, before doing that- I visited a XXXX store to make sure i didint owe an outstanding balance. I was advised by the representative that assisted me name XXXX that my account was all paid up and she assisted me in closing the account. 

About 2 in 1/2 months later I received a bill alleging I owed for a final bill that was past due?? I got XXXX on the phone and demanded to speak with a manager. XXXX apologized for the error and said the final bill had not come out at the time I visited the XXXX store. He said the account was being sent to collections and that I could pay him and it would be resolved. I also moved which explains why there was a delay in me receiving the final bill. 

That said, I paid the bill ... .. about a month or so after that Allied Collection placed the account on my credit. I contacted Allied Collection Agency and advised them that the account was already paid and requested they remove the debt from my credit. I also contacted XXXX and was told they would also request the account be removed. It has been several months and the account has not been deleted from my credit. However, Allied has now reported the account on my credit as PAID when I never paid them - I paid XXXX before it was in Allied system.

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 2020-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have written to Equifax several times pointing that there reporting on my credit report is inaccurate ... they are not showing who it is who is trying to collect debt. Equifax has failed to respond but continues to report this inaccurate and unverifiable information. See attached excerpt from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
The company named Frist Point Collection Resources Inc has put a collection on my XXXX  credit report for the amount of {$58.00}. However the account listed is in breach of FCRA guidelines and there for must be removed off my credit report upon being notified. The violations are as follows : *Ignoring an investigation request on XX/XX/XXXX, and again on XX/XX/XXXX through the XXXX  dispute process *Willfully reporting false information after being notified of reporting error. Errors that are currently reporting : Date Assigned is inaccurate, Status date, Date of first delinquency, Balance date * Have not received a letter notifying me of my legal right of dispute within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: Uplift, Inc
State: NY

Complaint narrative:
XX/XX/XXXX collection account was opened for {$1400.00} XX/XX/XXXX it was raised to {$2500.00} XX/XX/XXXX it was reported I never received any notice. I have never used this company for any service at all. I called the company multiple times to rectify it and have it removed from my report as this was not me and must be some sort of mistake. They refuse to do anything about it. The company name is uplift inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have been enrolled in the Federal Public Service Loan Forgiveness program ( PSLF ) since I started medical residency at a non-profit hospital system in XX/XX/XXXX, and have been making qualified payments towards the program monthly since that time. I last re-certified my employment with the non-profit hospital system in XX/XX/XXXX. Therefore I should have accumulated 47 months ( XX/XX/XXXX - XX/XX/XXXX ) towards the PSLF program. However, my federal loans servicer ( Fed Loans ) has only counted 39 months towards PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
Im trying to login in to my PNC account to pull funds straight from my bank account. PNC wont allow me to connect with the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I had made a purchase on XXXX. I need to file a dispute to this transaction because the seller posted a miss leading description of the item. Ive been trying to contact PayPal all weekend and still have not spoken to a single person yet. Theyre managing and controlling my money yet they make themselves inaccessible? How could you allow this to happen? PayPal is handling billions of dollars of other peoples money but they wont provide customer service. I contacted PayPal via telephone yesterday several times and each time it disconnected me and told me that a telephone agent was not available and to go through chat. I tried to chat feature. I sent my message they responded back many hours later. Obviously Im not gon na sit glued to my computer all day because PayPal wants to take advantage of its customers and not provide telephone support. I saw their response an hour after they made their comment and replied back. About 18 hours later I get my next response from PayPal. How the XXXX are they allowed to control my money without being regulated and they set the rules? How are they not forced by laws and regulations to provide telephone or face-to-face customer service even during COVID-19? Ill tell you exactly what PayPal is thinking The more difficult they make it for us to contact them when we have a problem means PayPal has to release if you were funds back to customers and doesnt get to keep as much for their own wallets. How can you allow this to happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: FL

Complaint narrative:
I have been reaching out to Equifax on countless occasions to allow me access to log into my Equifax account unsuccessfully. Every time I call I am being told to give it 24hrs. The following day of not having access, I call back to having the next representative telling me the same thing. It has now been a week going back and fourth with no resolution. I would like to see what has been changed from my XXXX  account from my credit monitoring alert I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have written to Equifax several times pointing that there reporting on my credit report is inaccurate ... they are not showing who it is who is trying to collect debt. Equifax has failed to respond but continues to report this inaccurate and unverifiable information. See attached excerpt from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, happy Sunday. To my dismay, I woke up this morning, checked my chase app, and found that not only have they not transferred the money I requested, they have now locked my account, too.

Company response to consumer: Closed with explanation