vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 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: NV

Complaint narrative:
Experian did not contact the data furnisher! The data furnisher is " US Bankruptcy Court ''. not a third party vendor such as XXXX XXXX. Experian stated, they verified the information with " The public record vendor has verified the accuracy of the disputed information. The results summary was sent to you, XX/XX/2020, for review. '' XXXX XXXX DID NOT VERIFY ANY INFORMATION FOR EXPERIAN. STOP LYING ON THIS COMPANY! XXXX XXXX HAS FROZEN MY ACCOUNT DUE TO FRAUD AND HAS NOT GIVEN EXPERIAN ANY INFORMATION. COMPLAINT ID XXXX STATED THE BANKRUPTCY WAS VERIFIED BY THE FURNISHER. LIAR! LIAR! LIAR! DO NOT SEND ME ANOTHER LETTER SAYING YOU VERIFIED THAT BANKRUPTCY! 

Under the FCRA, consumer reporting agencies are required to provide consumers with the information in their own file upon request, and consumer reporting agencies are not allowed to share information with third parties unless there is a permissible purpose. There are several permissible purposes outlined by the FCRA. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. 
XXXX XXXX HAS SENT ME A LETTER STATING MY ACCOUNT IS FROZEN DUE TO FRAUD WITH A PIN NUMBER ON IT. WHEN I CALLED XXXX XXXX THEY STATED THEY DID NOT GIVE EXPERIAN ANY INFORMATION.

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 2020-06-06 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: NY

Complaint narrative:
I have attempted to investigate and remove inaccurate information from my credit report and the credit bureau has not conducted a correct investigation to fix the problem.

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 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX I was contacted by a company called XXXX XXXX that I owe a debt of over {$6000.00} for a credit card that originated with Bank of America. I explained to them that I have never applied for nor have I ever had a card with Bank of America. They explained to me that they understand then a few days after I received a letter from a lawyer that he is trying to collect on this debt and he has a judgement against me for the approx. {$6000.00} and he was going to start garnishing my wages. I called several lawyers for assistance but most did not want to take the case because of the judgement which I did not understand. They stated they got a judgment against me back in XXXX for a credit card that they said I received in XXXX. I migrated to the US in XXXX so I could not understand why they would think on my arrival in the country Bank of America would just decide to give me a credit card. 
Anyway, I finally found a lawyer to represent me in court to stop the garnishment but unfortunately the lawyer I had did nothing to help me in court and I ended up trying to defend myself in court because to my dismay the Judge who presided was not interested in what I had to say as I had a " judgement '' against me. That is when I realized how serious this really is and there is no way out but to pay. She gave me a reprieve and had the lawyer return all my funds to me but interest would continue to accrue on the outstanding amount until my daughter attained the age of XXXX. My daughter is now XXXX and the lawyer has resurfaced to collect the now over {$10000.00}.

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 2020-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Im not able to show my bank information to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal has been holding my money for a while now and will not release it so that I can buys the kids uniforms. You can not talk to anyone due to Covid so I can not get nothing solved. I need the money to be release so I can pay for my football leagues fields and uniforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6900.00}, {$5400.00}, {$11000.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Fidelity payment servers constantly crash, cause " service unavailable '' errors and why not? Fidelity make A LIVING OFF THE LATE FEES that they themselves cause. 

I was charged {$40.00} for a payment due on XX/XX/XXXX, as I was forced by Fidelity to make a payment on XX/XX/XXXX instead of the XX/XX/XXXX due date. 

The same thing happened on XX/XX/XXXX, Fidelity charged me {$40.00} for a payment due XX/XX/XXXX that was pushed out by Fidelity to XX/XX/XXXX. 

Fidelity must refund the {$80.00} ( {$40.00} + {$40.00} ) for illegally pushing payments past the due date.

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 2020-06-06 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: CORELOGIC INC
State: TX

Complaint narrative:
Date : XX/XX/2020 Applied today to Refinance with XXXX XXXX, to replenish my emergency funds for COVID19 and to make small repairs to my home. 

During my Application over the phone with my Mortgage Company, Credco was used to obtain my credit score and information. My Loan Officer informed me that my Credit Scores were significantly lower than what was reported to me by XXXX, XXXX  and XXXX. Credco 's report was full of inaccuracies which Credco claims to obtain from the 3 credit reporting agencies directly and then blend them into one report. 

The Credit Score and Information will GREATLY effect what Interest rate I receive and cost me more money thus financially injuring me as well as causing suffering due to having to take the time to get them to correct their errors. 

I looked " Credco '' up on FTC.gov and found that " Credco '' has been Sanctioned and Penalized for these very things before. 
https : //search.usa.gov/search? query=Credco & submit.x=0 & submit.y=0 & affiliate=ftc_prod I am sure I am not the only recent " Credco '' victim

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 2020-06-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6900.00}, {$5400.00}, {$11000.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I'm trying to transfer money from my PNC account to my XXXX  account so i can invest but it won't let me because PNC won't allow it for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Date : XX/XX/2019 Company : Portfolio Recovery Original Creditor : XXXX XXXX XXXX Original Balance : {$5200.00} Action taken : I filed a dispute with Portfolio Recovery The dispute ended XX/XX/2019 Result : Portfolio Recovery declined the dispute request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I have an XXXX  account and originally my two accounts were linked for XXXX 's on purchases and weekly withdraws for long term savings. As of today, XX/XX/2020, it is no longer allowed and my account was unlinked and unable to reestablish due to a new PNC policy. Its not a problem on their end ( which was implied with one of the above questions ) it is a problem with PNC. Could we please take care of this situation as soon as possible? I would rather not have to change banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I'm trying to except business payments made through my XXXX XXXX and it's not working. Why can't I receive payments through XXXX XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2020-06-06 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: NC

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2020-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, I am so glad there is an agency that I can turn to. I was sent prequalified auto loan advertising, many time from Capital One. I even have 3 credit card accounts and a auto loan with them now. All my cards have 60 % credit left, never late and the auto loan is more than 1/2 paid of in 1/2 the time. I bought a car 3 weeks ago, was asked for a pay stub. I provided a XX/XX/XXXX stub. We were furloughed late XXXX but my company pays for all benefits. They told us we are not laid off. Then just yesterday XX/XX/XXXX they wanted a newer pay stub I wont have one for 3 weeks. They will not pay the dealer even with a note from my employer stating I am employed. They said it was new just that day because of Covid-19. The deal closed on XX/XX/2020. I have the means to make the payments. The pay stubs provided are good for 45 days. Please look into random changes. And if they change rules it should be enacted going forward not retroactive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: TRUIST FINANCIAL CORPORATION
State: KS

Complaint narrative:
i received a letter from regional acceptance corporation stating that my request to investigate was denied because it relates to an inquiry or request for a consumer report i did not allow nor did i accept this company to have access to my credit report. it is showing that i gave permission to said consumer. 

another account- crescent bank also rejected my dispute to investigate. it shows that i supplied the dealership ( car smart auto sales ) with personal information about my credit report. however, i have never been or inquired information on the vehicle ( XXXX XXXX XXXX  ). i did not request or apply for an indirect auto loan. this bank is listed on my credit report TWICE. i didnt accept or authorize acceptance the first time around. 


XXXX XXXX : sent me a letter as well, stating an inquiry through a dealership about a vehicle i tried leasing or financing on. : dated XX/XX/XXXX. 
vehicle. XXXX XXXX XXXX. i did not, authorize permission. i never tried leasing or financing on said vehicle.

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 2020-06-06 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:
I have previously disputed my bankruptcy with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response which was sent you you multiple times stated the opposite. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: WI

Complaint narrative:
A judgment was levied against me after credit card debt was sold from XXXX to XXXX  XXXX XXXX, and I was XXXX  XXXX and on Social Security XXXX. I did not even know there was a judgment against me until I began to look for apartments and realized that suddenly no one agreed to rent to me unless I paid a year 's rent upfront, which was and has been impossible. The law firm that rendered the judgment will not remove it and I can not afford to pay it. My understanding has been that because I have been XXXX  XXXX, this judgment should not have been rendered in the first place. 
This judgment occurred sometime in late 2008. It is for {$12000.00}. ( I desperately need to move from a dangerous living situation, but no one will rent to me as long as this judgment remains. ) Apparently, this occurred with many individuals and a class action suit was filed against XXXX and XXXX  XXXX XXXX. But the attorney, XXXX XXXX, who issued these judgment has refused in general to remove them.

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 2020-06-06 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:
I have previously disputed my bankruptcy with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response which was sent you you multiple times stated the opposite. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 2020-06-06 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:
I have previously disputed my bankruptcy with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response which was sent you you multiple times stated the opposite. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 2020-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have requested my PayPal account be closed, however they will not do so unless I upload financial statements and my ID. 

I have never used this account, but I have linked a credit card and bank account to it and I no longer want them to have my information.

Company response to consumer: Closed with non-monetary relief