vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 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:
On XX/XX/2020, certified mail letters were sent out to all three credit reporting agencies : Experian, XXXX, and XXXX to dispute unverified items on my credit reports. I was simply just asking for some proof or verification of the information they have on file for me. It has been more than 30 days and I have yet to receive any proof of any sort of verification in regards to the information that I disputed. The information that is on my report continues to be unverified.

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 2020-06-12 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: NY

Complaint narrative:
On XX/XX/2020, certified mail letters were sent out to all three credit reporting agencies : XXXX, XXXX, and Transunion to dispute unverified items on my credit reports. I was simply just asking for some proof or verification of the information they have on file for me. It has been more than 30 days and I have yet to receive any proof of any sort of verification in regards to the information that I disputed. The information that is on my report continues to be unverified.

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 2020-06-12 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: MO

Complaint narrative:
Acess denied trying to connect to bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I have money on hold through zelle and on " XXXX  '' ( XXXX card reader ). these companies keep telling me its my bank holding my money. I've called numerous times and have trouble shot the problem with representatives with XXXX as well as the other two parties with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Self Financial Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: MN

Complaint narrative:
Due to my lack of awareness with my credit, i had been previously opted in for pre qualifying offers via numerous companies, unbeknownst to me, at the time I had been trying to seek a new residence. I have a total of over 29 inquiries on my reports .... This is due to my incompetency about the pre qualifying offers. Due to these, I have been rendered homeless, unable to rent due to my credit score and the alarming rates at which they appear on my reports. 

When researching he said inquiries as well, even after I had opted out of all of those offers, I went to purchase a car, due to the previously alarming set of inquiries stated, I then was denied by numerous lenders for a vehicle. 

Also too I had written to transunion less than a year ago asking them to please kindly remove all of my info from their systems due to the fact that it states in their terms of service that they reserve the right to sell your identity, Lets also not foget XXXX XXXX. 
They are refusing to remove my sister and my mothers information from my report with them as well. I have asked them what I am to do because they want their drivers license numbers and their social security numbers to prove im me. How is this possible when those two people arent even suppose to be on the report! none the less the info is outside out level of expertise. AND THEY ARENT ME they need to be removed. Pronto please this is so important.

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 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
XXXX/dba/XXXX/dba/XXXX  RE-AGED and RE-ADDED a UNOWED debt of {$620.00} on XXXX XXXX, placing it on my XXXX, XXXX, and XXXX XXXX XXXX  On XX/XX/2017, I, XXXX XXXX XXXX filed a complaint here with consumer finance ( see attachment ) case # XXXX. Within this complaint ( # XXXX ) the debtor sent a request to all three credit bureaus to remove the account from my credit report, in which they did. Fast-forward years later an alert from all 3 major credit bureaus of the collections placed onto my credit report. 
The debt was RE-ADDED to my credit report as a new account ( which is the same old account ), with the same debt amount. 
The debtor did not communicate with me at any time concerning re-adding this un-owed debt, including never sending written correspondence to my home address, meaning they never identified who they were, who they are collecting on behalf of, nor the balance owed.The debt collector did must advise me that the debt was going to be re-added, so that I would have the opportunity to assert my rights under The Fair Debt Collection Practices Act, which would have given me 30 days to demand as has the agreement had been violated, before placing it on my credit report. Whereby I could have reintroduced the former agreement that the debt was removed from my account years before, and the debt was not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I went to XXXX in XXXX California. XXXX XXXX XXXX XXXX XXXX. XXXX, CA,XXXX. I brought in my fully paid off XXXX XXXX. I wanted to trade it for a car that was much less expensive on insurance since the XXXX being a luxury vehicle I was paying XXXX $ a month and I could no longer afford that. XXXX offered me XXXX $ I accepted. The same day I found a XXXX XXXX XXXX that wa 's a little less then XXXX . XXXX gave me a check back for the remaining posture equity I still had. One day my car was gone. It was repossessed. XXXX lied and said there was a loan .which there never was one never needed one never talked about one nor is it any where on all of my credit reports. I believe the car they sold me was a car someone traded in that still owed money on and they didn't know untill it was too late so they manipulated the contact saying " I asked for money back and took a loan on the rest '' WHICH IS NOT TRUE NOR DOES IT SHOW UP IN ANY OF MY CREDIT REPORTS.XXXX  have scammed me out of XXXX $ and my car. I have sent them the proof and go in and they lie and say they will help me and never do.Please please please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 non-monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I have sent a request for validation from the collection agency on XX/XX/2020 and XX/XX/2020 and got no response for both 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 2020-06-12 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: PA

Complaint narrative:
Every other friday for 11 years I have used PNC bill pay to send my rent. 2/3 last months PNC schedules my paycheck deposit in such a way that when my bill is paid first it overdrafts my account. They are taking the payment about 1-3 hours early the day prior to when it is scheduled. I never asked them to send it early, I wanted it the day i scheduled it. My paycheck usually is deposited around XXXX XXXX  every other friday and the payment is taken out around XXXX XXXX  the day prior. The excuse they use is the paper check has to be mailed " early '' to get there on time the day it was scheduled to be paid. So please tell me what USPS mail  service runs between XXXX-XXXX at night and how taking that payment at that time vs past XXXX-XXXX  the following day gets it there any faster?? They are using the deposit switcharoo to try to get overdraft fees out of their customers. Also how is it that for 130 out of 132 payments over the last decade this doesnt happen? But conveniently during a time of crisis in this country and people are losing homes and their livelihood they are making money any way possible to recoup the losses the have incurred due to covid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I tried linking my bank account and it would not allow me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX sent a closed account to a collection agency. The account was paid in full at the time of closure. XXXX XXXX was notified in writing the account needed to be closed. The account had been paid in advance. The account balance was not refunded at time of closure. XXXX XXXX then sent the account to a collection agency. The collection agency was notified of these facts upon attempting collection. The collection agency reported to the credit bureaus false information about the closed account - that there was an amount due. No funds are due to be paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I under federal law acknowledges that it is ( I ) the name under which this complaint is being submitted. Not any form of credit repair entity or company. 

Account under the name : XXXX XXXX XXXX  XXXX  currently on my Experian credit report with multiple inaccurate, misleading, & Unverifiable information. 

Last month I specifically asked Experian to delete ( XXXX XXXX XXXX  XXXX  ) Reason ; account does not report balance. Violation of FCRA rules section 1681. 

Reason ; account does not report accurate date of last payment. A violation of FCRA rules section 1681.

Reason ; Account doesn't report name and address of original creditor. A violation of FCRA rules section 1681.

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 2020-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Using the XXXX app, recurved an error message PNC bank has changed link settings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I want to file an complaint. I had borrowed an installment loan from Advance America in XXXX, Texas. I cant remember the exact date. I remember requesting to revoke ACH authorization from my bank account. As of XX/XX/2020, Advance America had taken money from my bank account without my permission. If you can look into this matter, I would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: FL

Complaint narrative:
SOMEONE USE MY PERSONAL INFORMATION AND MY SOCIAL SECURITY NUMBER TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY PERMISSION AND CONSENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-12 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: OH

Complaint narrative:
I tried to send earnest money from my pnc account to my realtor via an app and the app said the bank wont allow the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: FL

Complaint narrative:
SOMEONE USE MY PERSONAL INFORMATION AND MY SOCIAL SECURITY NUMBER TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY PERMISSION AND CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: FL

Complaint narrative:
SOMEONE USE MY PERSONAL INFORMATION AND MY SOCIAL SECURITY NUMBER TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY PERMISSION AND CONSENT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I originally filed a complaint in XXXX # XXXX. The response from the company was they sent you a copy of my note. Which I have. 
I have paid more than the minimum payments and even paid extra payments ahead for this improperly handled loan, attempting to get it paid off. I recently on XX/XX/XXXX got notified that my XX/XX/XXXX payment was due on XX/XX/XXXX. I paid the XXXX payment on XX/XX/XXXX. I called and the customer Service person XXXX, who after multiple reviews agreed that the payment was made and there is some kind of glitch in the system. She said it would be corrected within 48 hours. It isn't and I don't want my credit ruined because of this worthless and corrupt company. 
2nd Issue - While reviewing the payments I pulled the history of my account from the Navient website and downloaded the XXXX file Navient supplies showing all my payments. Wasn't I surprised to find they have been ADDING the payments I make to the principle TO THE balance for 6 years from about XXXX to XXXX. EXACTLY what I complained about originally in my complaint in XXXX. 
Called back Navient, spoke with a person named XXXX who stated " what you are seeing on the screen DOESN'T MATCH what I am seeing. I will send it to IT Dept. '' Additionally, they capitalized interest WHEN I ALREADY PAID THE INTEREST. 
3rd Issue. XXXX XXXX Made my XXXX Payment loan balance is {$40000.00}. Navient " sells '' the loan for {$41000.00} - 12 days later. Why is this the Principal balance, I don't know. I make 3 payments more, All on-time XXXX, XXXX, XXXX. XX/XX/XXXX Navient " sells '' the loan again and puts back the principal balance of {$40000.00}. WHAT DID MY XXXX, XXXX, XXXX payment go to?????? Not MY Principle Balance!!!!! 
I need someone to do FORENSIC ACCOUNTING to get to the bottom of this since I can't see how they applied anything on my account. PLEASE DO YOUR JOB AND HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC
State: OH

Complaint narrative:
I paid off the balance. They sent me a letter saying I still owed money and was 60 days late. I then paid the amount they say I owed and will still not remove the 60 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: MoneyLion Inc.
State: MI

Complaint narrative:
On XX/XX/2020, MONEYLION fraudulently opened a {$500.00} credit builder PLUS loan in my name. I was not aware of this account until it was negatively reported on my credit reports on XX/XX/2020. I have contacted them and even paid the fraudulent loan off to protect my credit as my condo burned down and I am buying a house. I have filed complaints not only with MONEYLION but with the FTC and the police. I submitted all documentation to both the credit bureaus and to MONEYLION but they refuse to remove the fraudulent account, let alone update any credit reporting. 

This has taken a huge hit on my credit and my mortgage was denied because of this illegal and fraudulent account. They refuse to correct this injustice and I am prepared to take this to court.

Company response to consumer: Closed with explanation