vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 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:
I have fraudulent application made on my account, I would like for them to be removed, I did not authorize or made these inquiries, I contacted trans union many times they said they need a police report, which I have provided and also found out that by law we do not need a police report, its just a way for them to give us a run around, please at this point remove these inquires or I will take legal action within 30 days, trans union file # XXXX I would like these items to be removed : XXXX XXXX  XXXX XXXX, CA XXXX Inquiry from XX/XX/2019 XXXX XXXX   XXXX XXXX, CA XXXX Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 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 2020-07-31 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: TX

Complaint narrative:
XXXX Attempted to initiate a wire transfer from PNC Bank to XXXX XXXX XXXX XXXX. 
The PNC wire transfer department went through a complicated process to verify my identity. 

XXXX PNC called to say that wire transfer was delayed because of a problem with the information on the wire transfer form. I resubmitted the wire transfer form through a secure email. 
Later that day, they said we have to submit the wire transfer form through online banking. We tried to set up online banking, but PNC said we need a PIN number. We applied for the PIN number. 

XXXX I called an found out that PNC cancelled the wire transfer because we did not send the secure message through online banking. I never received the PIN in the mail, and we found out that PNC sent the PIN to the wrong address. PNC refused to help us and to send the PIN to the correct address. We are out of State, and the branch can not help us over the phone. 

I think PNC Bank should be more sensitive in this time of Covid-19,  in particular. No one will help us. Please submit our complaint, and I will also submit a complaint to the Michigan Attorney General 's office. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: AL

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$17000.00} XXXX/XXXX  XXXX {$220.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$990.00} XXXX/XXXX  XXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: VA

Complaint narrative:
XXXX XXXX XXXX ( collector for XXXX XXXX XXXX ) is reporting collections on my transunion report that was included in a bankruptcy that was discharged on XX/XX/2019. I disputed with transunion & it was updated to include a statement that it was included in bankrutpcy, but that is insufficient as it still is showing as an active collection account that is impacting my score. I need this account removed. It is not an active collection 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 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I had a fraudulent charge from my checking account. It shows as a cash app debit app in the amount of {$2300.00} at XXXX on XX/XX/2020 ( credit union time XXXX ). My bank states that because they are 3rd party app Visa takes zero liability. I dont know who the person is, they are not in my contacts. They dont even show up in my cash app transaction history. There were 2 attempts at chargers that fraud protection caught and cancelled but this transaction was not seen or recognized by Visa fraud protection. Please help!! Ive had no success at reaching cash app. Can not find an email address and all the support numbers and directionS given to reach support lead to a dead end. I know other people have been victimized as Im hearing all of the stories. Is there any way you can help me get in contact with cash app to dispute this charge and request to be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Great American Finance Co
State: WV

Complaint narrative:
I had an account with Great American Finance. I paid this account off in full in XX/XX/XXXX. I was never late nor did I ever miss a payment. After I paid this off I continued to get bills saying I still owed a balance. Each month I called Great American Finance and I was told " don't worry about the bill, we see you paid this off {$0.00} balance we will send it to be updated '' then I started to get negative reporting on my credit report - 30 days late. I called them again and they said they would update the credit reports and credit bureaus - I waited XXXX and now XXXX - each month they keep reporting as 30 days late - this has dropped my credit by over 30 points each month. I spoke to a manager at Great American Finance on XX/XX/XXXX and it was suppose to be corrected and they were suppose to send me paid in full letter and get my credit updated. On XX/XX/XXXX when I called back the company hung up on me 2 times and refused to allow me to speak with a manger. I have made multiple attempts to resolve this with the company and they will not stop reporting this as negative when the account was paid off early in full no late payments. I have also opened disputes with all three of the credit bureaus - however Great American Finance keeps putting this back on there each month. I am at a loss at this point and need assistance in correcting this companies incorrect reporting on my credit. I am wanting Great American Finance to stop reporting false information to the credit bureaus and correct what they have already reported falsely. I am wanting all three of my credit reports XXXX, XXXX, XXXX, updated to reflect that I have never been late nor have I ever missed any payments. I want it to reflect good standings that is correct and also I want my points back on my credit score that were taken due to this false reporting. I also want it updated that the account is paid in full with no balance owed. Thank you for all your help as I have struggled with getting a resolution in dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Belk Rewards Card ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.

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 2020-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
We had a XXXX XXXX totaled in 2019, where the loan was carried with Ally Financial. It has taken us nearly a year to track down The gap payment between XXXX and Ally. We stayed in communication with Ally the entire time. We were warned about possible late payment credit reporting and then reassured beginning of XXXX That would not happen since we were communicating with them. The day after, we received negative alerts on our credit. This was XX/XX/XXXX. I have spoken with Ally no less than 10 times where I have been told the negative credit reports would be reversed. It is XX/XX/XXXX. Im on my Fifth phone call with them in 13 hours and going on 6 hrs of call time today. 
I have been transferred between representatives multiple times, but never had resolution. 
This practice has caused me financial loss through work hours, as well as the inability to get funding on a new vehicle because of the incorrect negative reporting.

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 2020-07-31 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: AL

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$17000.00} XXXX/XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$990.00} XXXX/XXXX XXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX {$260.00}

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 2020-07-31 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: AL

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$17000.00} XXXX/XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$990.00} XXXX/XXXX  XXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX {$260.00}

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 2020-07-31 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX  XXXX {$2500.00} XXXX  XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$150000.00} XXXX/XXXX   XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX {$28000.00} XXXX XXXX XXXX  XXXX XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX   XXXX {$550.00} XXXX XXXX {$550.00} XXXX  XXXX {$4600.00} XXXX   XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00}

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 2020-07-31 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Back in XXXX I was involved in a terrible XXXX accident and was in the hospital for several months that Resulted in me losing my job. In XX/XX/XXXX I contacted Wells Fargo and explained my situation and was told that they had a loan modification program I was told at that time while my loan was under review that I did not have to make any payments due to my circumstances While my account was under review. This dragged on for Seven months XX/XX/2014 through XX/XX/2014 after my loan was modified I then received notice that my credit history was impacted due to the lack of these payments While I was waiting for a response. Why'd it take Seven months for them to review my loan remodification? I believe the information I was given at the time was inaccurate and therefore not my fault. Why did they just add another 10 years to my mortgage rather than reducing my interest rate like I was asking? Wells Fargo has a complete disregard for consumers and their only interest is making money for themselves With an absolute lack of empathy whatsoever for any of their clients. 
Wells Fargo customer service has been unwilling to acknowledge their mistake I feel this practice is is wrongful and they should own up to this mistake. I ask that this negative report be removed from all three credit bureaus my next step will be to challenge this in a court of law in the state of Kansas.

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a debt reporting from XXXX XXXX XXXX and XXXX on my credit report. I have complained to the reporting bureaus and they keep stating the debt was verified but I have yet to receive correspondence validating this debt is mine. I called XXXX XXXX today and the automated system could not locate the account using my social security number. Once I spoke to a live representative, I asked them to verify where they have been sending correspondence and they stated they last mailed in XX/XX/XXXX to XXXX XXXX XXXX XXXX in XXXX Ga. I told them I do not live in XXXX. Rather than investigate the origin of the account, the representative attempted to get me to provide my correct address for an update-I did not do so. I have not lived in XXXX since XXXXthe address they listed is a public college dormitory that belonged to Georgia XXXX XXXX and was sold to Georgia XXXX XXXX at the end of the XXXX school year ( a year after I last lived there ). The credit report states that the account was originally opened in XXXXhow can an account attached to an address I have not lived at since XXXX have been opened credibly in XXXX? This debt does not belong to me and is fraudulent. My tax returns, wage statements and other documentation will prove I have not resided in XXXX when this account was opened. The bureaus keep updating this information when I dispute it as accurate, but have yet to provide me with proof of how they verified the debt. The disputes have finished in less than a week with a verified status.

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 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( XXXX XXXX Visa Card ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.

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 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: MI

Complaint narrative:
I received card ( debit/credit ) in the mail that I did NOT apply for and don't want. Did someone use my ss # to apply for unemployment in Pennsylvania? That's the reason listed as to why I got this card. That is what they did with my number in NY. Please fix this. My credit was compromised back in XX/XX/2020 and many charges were made in my name at that time. Please try and catch these unscrupulous people. Thanks

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 2020-07-31 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: IL

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. XXXX  XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX,. XXXX XXXX  XXXX, XXXX XXXX IS FRADULENT, XXXX/XXXX XXXX XXXX,. XXXX 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 IL XXXX My name is XXXX L XXXX XXXX My phone number is 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 2020-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Bill Pay Service with 53rd Bank Effective XX/XX/XXXX, most of our bills are being paid via checks. 

This is causing a delay in our bills being paid on time. Due to late payments, one of credit cards assessed late fee of {$27.00} and another of {$37.00}. 

The checks are taking 1 to 3 weeks to clear. 

Most recently, our auto insurance bill was due on XX/XX/XXXX, the check cleared XX/XX/XXXX. 

We schedule our bill payments up to 5 days in advance of due dates and the funds are always available. 

I have reached out to 53rd Bank on 7 occasions on these 3 different payees. 53rd is only addressing 1 payee. Each time we are requested to provide same information over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
i check my report and notice a large debt from credit collection services , inc on XX/XX/2020 and send them a dispute letter asking them to verify this alleged debt and more information that i have submitted below. this item is not correct and i dont owe credit collection service anything

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$2500.00} XXXX XXXXXXXX XXXX XXXX XXXX {$780.00} XXXX XXXX  XXXX {$150000.00} XXXX   XXXX XXXX $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX   XXXX {$550.00} XXXX  XXXX {$550.00} XXXX XXXXXXXX {$4600.00} XXXX   XXXX XXXX {$3800.00} XXXXXXXX XXXX XXXXXXXX {$53000.00}

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