vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXXXXXX XXXX ran a hard credit report on me without my consent. It was reported on my Transunion credit report. I have asked tarnsunion to remove this inquiry because it was not authorized by me but they refuse to take a dispute. I contacted them and they told me to get a letter from XXXX XXXX  authorizing removal. When I contacted XXXX XXXX they said they had no record of me in their 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 2020-07-20 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: TX

Complaint narrative:
address wrong:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 

accounts not mine XXXX XXXX XXXX  dept of ed/ XXXX  (all)
XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu (all)
XXXX XXXX XXXX card

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 2020-07-20 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: TX

Complaint narrative:
address wrong:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ln
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

accounts not mine XXXX XXXX XXXX
dept of ed/ XXXX  (XXXX) XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu (XXXX)
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1900.00} on the XXXX STUDENT LOAN partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Bank Statement for verification of my identity so the bureaus will investigate my complaint. ) I had been diagnosed with a XXXX   XXXX and was not able to attend classes anymore. I spoke with the college administrators and explained my extenuating circumstances and provided all documentation needed to show that I no longer could attend the program I was enrolled in. I was not XXXX  XXXX  to get to the school campus and/or classrooms. My request to drop the program and not be charged was granted and the school agreed that I would not owe for the remaining time. I was assured that this account would not go collections nor would it be reported as a collection on my credit report. Unfortunately, they did not hold up their end of our agreement. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs 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 2020-07-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$1900.00} on the XXXX STUDENT LOAN partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Bank Statement for verification of my identity so the bureaus will investigate my complaint. ) I had been diagnosed with a XXXX   XXXX and was not able to attend classes anymore. I spoke with the college administrators and explained my extenuating circumstances and provided all documentation needed to show that I no longer could attend the program I was enrolled in. I was not physically able to get to the school campus and/or classrooms. My request to drop the program and not be charged was granted and the school agreed that I would not owe for the remaining time. I was assured that this account would not go collections nor would it be reported as a collection on my credit report. Unfortunately, they did not hold up their end of our agreement. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs 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 2020-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners
State: OH

Complaint narrative:
This debt of {$100.00} is not my bill. This debt was bought by another debt collector Pendrick Capital Partners II in XXXX, VA. This was reported to my credit bureau again after it was removed and disputed. This was disputed and taken off my credit report by XXXX  when the last debt collector had the account. Now I am being harassed again. The supposed creditor was XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX. I do not owe them a bill. I have not done business with this company. I do not owe the debt please provide validation of the debt with my signature. I have not agreed to any services or signed a contact with the supposed creditor. I want a copy of the signed agreement ASAP. If I am not provided with a copy of the signed agreement I will be contacting an attorney. I believe this fraud and this is not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: NJ

Complaint narrative:
On XX/XX/2020 I notified all three bureaus of inaccurate data reporting for the payment history on my credit file For XXXX  XXXX XXXX Account # XXXX. XXXX  saw they were reporting inconsistently and removed the error. Experian and XXXX  failed to do an actual investigation into the matter since they are still reporting data which isn't consistent which makes it inaccurate because they get the data from the furnisher. Experian is reporting a 30 day late in XX/XX/2020 and XXXX  is reporting a 30 day late in XXXX they both can't be accurate. While I am writing I should include the other inconsistencies as well The last payment reported for Experian is XX/XX/2020 with XXXX  saying XX/XX/2020.

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 2020-07-20 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 file a depute on XXXX to your company experian for incorrect information reporting on my credit report which you fail to investigate in the 30 day time frame by law you are required to respond which means the invalid information must be deleted from my credit report Im demanding you delete this inaccurate information immediately! A 30 day none respond letter dated XXXX was also sent please take care of this issue immediately! Thank you.

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 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
The XXXX XXXX XXXX is not longer in business and cancelled its XXXX XXXX XXXX in XX/XX/XXXXof XXXX as the purchasing agency XXXX XXXX has their own XXXX XXXX account # XXXX. Almost a year of communication with XXXX XXXX resulted in them finally sending us more information on how to return the leased machine. We did so on XX/XX/XXXX via XXXX. We disputed any fees and verified that our written communication to end the lease was received as the new owner has NO liabilities on any previous service agreements/leases etc. When we finally closed the account with XX/XX/XXXXwe were told there was no fees due on XX/XX/XXXX Case # XXXX. The account was closed we were told. XXXX XXXX then referred the matter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we were contacted by XXXX XXXX on XX/XX/XXXX for account # XXXX. We spoke with the woman and disputed the debt. We then mailed her a USPS letter and e-mailed her at XXXX on/after XX/XX/XXXX a dispute and do not contact letter under the Fair Debt Collections Practices Act. The woman emailed us back that our dispute was invalid. he has continued to contact us, a place of business, even though we told her not to. She did so on XX/XX/XXXX at XXXX XXXX  ; XX/XX/XXXX at XXXX XXXX  and today XX/XX/XXXX at XXXX XXXX. This is harassment and a clear disregard of the FDCPA and we are reporting today to you all for further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's text me early this morning offering a settlement of 85 % against my outstanding balance of over {$3500.00}. I immediately, call XXXX to a take advantage of the offer. I spoke with the representative then calculated amount that was only much different than my calculations. I told them that 85 % would be much greater than the outstanding balance. She kept quoting the remaining balance of around {$2900.00} or so. After going back and forwards, I told her that I could send a screen shot of the offer which I did. My phone begin to act up and I had to restart it and the call was disconnected. I explained to them that the settlement was incorrect and that according to what I perceived the offer if 85 % was stated incorrectly, but they said it was not. File will not upload, but I can send in an email?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a long time JPMorgan chase N.A bank client and was maintaining my checking account. I used online banking from checking account for paying my bills.I have an account for XXXX XXXX Credit card company and their address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX But by mistake I set up a different account for XXXX XXXX with does not exit & that was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX - XXXX With a account # XXXX ( That number doesn't exit ) I paid {$1000.00} to that account. When I notice the problem tried to contact with chase bank and ask them for help - that was a wrong payment.

My first concern with chase is : When we do the Online banking for bills either they issue a electronic check to the company or if they have their particulars to their system that match - they release the electronic payment. In both way they have the clients particulars - where they release the money or sent check and its clearly a wrong business transaction, why they are not able to contact with that company about the dispute - since both of them are their client.They way JPMorgan Chase, N.A is dealing is totally unprofessional and they refused to investigate the case & don't want to solve the problem. I want help that commercial bank should have responsibility about their clients accounts, transaction, wrong payment, unwanted seals, disputed bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have written to National Credit Systems several times on 2 different accounts pointing out that their reporting of this alleged debt on my credit report is inaccurate. National Credit Systems continues to report this inaccurate and unverifiable information. 
Account XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: MO

Complaint narrative:
Equifax and XXXX are not researching and properly reporting that the following accounts are in fact in dispute. XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) The collection account listed is reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: NJ

Complaint narrative:
I have a digital savings account via XXXX that I use to save money. Have not been able to draft money or link account to checking account for 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Prior to Covid-19 we were in the process of refinancing one of our homes with Wells Fargo. We went through the application process and provided several documents as requested by the financial institution. This process continued for months to the point our file was extremely large and even had to resign a lock rate sheet to ensure our rate was locked in.

After Covid-19 happened Wells Fargo changed their policy regarding refinances for second homes. However a new credit inquiry was submitted on my credit. As a financial institution if you already know that you were going to deny me loan why would you rerun my credit? This practice is typically done prior to closing. I have requested the 2nd inquiry be removed off my credit. XXXX XXXX XXXX rejected this request with a ridiculous letter that explained how correct they were in their practice. 

As a large financial institution that is continuously in trouble for terrible business practices and continuously being fined I would think after reviewing my case and simply removing the inquiry would have been so much easier than a CFPB complaint. You have wasted several salaries between mine, the CFPB 's and your own employee that has to research and respond to this complaint. I would like the inquiry removed and a formal apology for the deception I was placed through for over 5 months during your refinance process. Learn how to be in touch with the community and the people you lend funds to.

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 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I need to connect my bank to XXXX to use for Payroll. It says that PNC will not let us do that. I will have to change banks if I can not link my PNC account to my XXXX Payroll.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: MS

Complaint narrative:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX MS XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
I sent Collection agency a letter on the XX/XX/2020 requesting a validation of debt. 
I have not received any response from them and its been over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: CITY NATIONAL BANK
State: VA

Complaint narrative:
I had a statement credit when I closed my account with City National Bank and I was told by the representative that this overpayment would be refunded via check. This has not occurred in over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello there, I was told that I get free credit report and after filling out each sensitive information on XXXX I was diverted to TransUnion website where it asks for credit card information before giving my credit report. I don't want TransUnion to have my credit card information, and I should not be asked to enroll their {$29.00} auto enrollment trap set up for consumers like us. Nor should I be required to call their customer service to get the report I deserve without investing an hour of my life. 

Please help me and people myself. 

Sincerely thankful for your service, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
When XXXX hit my wife and I looked into mortgage payment deferral with Wells Fargo. She was temporary out of work. But we did not sign up for it! We continued making out payments and discovered we had Forbearance on our credit from Wells Fargo. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!!

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 2020-07-20 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: NJ

Complaint narrative:
On XX/XX/2020 I notified all three bureaus of inaccurate data reporting for the payment history on my credit file For XXXX XXXX XXXX Account # XXXX. XXXX   saw they were reporting inconsistently and removed the error. XXXX and Equifax failed to do an actual investigation into the matter since they are still reporting data which isn't consistent which makes it inaccurate because they get the data from the furnisher. XXXX   is reporting a 30 day late in XX/XX/2020 and Equifax is reporting a 30 day late in XXXX they both can't be accurate. While I am writing I should include the other inconsistencies as well The last payment reported for XXXX is XX/XX/2020 with Equifax saying XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Placed order on Bloomingdale 's website dated XX/XX/2020 under order number XXXX, the item was solely for a watch, in the amount of {$590.00}. The purchase meets the threshold by the merchant to qualify under the 12 months no interest plan, provided you pay the balance in full during this period. Please have this balance transferred to under this plan.

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