vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I mailed into TransUnion a letter that disputed several hard inquiries on my report. Included with the inquiries I also included a copy of my police report and a statement from XXXX  that I was involved in a data breach. When I called on XX/XX/XXXX to TransUnion they stated that they did receive my inquiry but due to the fact that it appeared to be professionally written they ignored the request. I tried to dispute the inquiries over the phone with TransUnion and to validate that I did send in the dispute letter along with the supporting documents and Transunion refused to take any action.

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 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
My wife had XXXX  surgery. After insurance payment and discounts, the remaining balance was {$340.00}. The bill was outstanding as we awaited additional insurance information. The remaining balance was paid on XX/XX/2020. Mountain Land Collections Inc. had sent a collection notice to the wrong address. On XX/XX/2020, I received a call from Mountain Land Collections Inc. wherein they obtained an updated address. During the call, I informed them that the remaining balance was paid on XX/XX/2020. I then forwarded them an e-mailed copy of the receipt showing payment on XX/XX/2020. Later that week, I received a new invoice dated XX/XX/2020, to my updated address claiming the debt was still due and owing. This was sent the day after proof of payment was sent to Mountain Land Collections Inc. I phoned to the physician 's office on whose behalf Mountain Land Collections Inc. was allegedly acting, and they confirmed that no outstanding amount was owed. The physician 's office also e-mailed me notes that Mountain Land Collections Inc. inquired about the bill with the physician 's office on XX/XX/2020, and were told the balance was paid. Thus, Mountain Land Collections Inc. verified that the amount was paid and no balance was due and owing, yet they opted to send an invoice for collection to me regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
target keeps reporting me to credit agency, I told them I lost my job, plus There is a pandemic going on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Caine & Weiner XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : Ref # XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws, I hereby request that you cease and desist and communication with me, as well as my family and friends, in relation to any and all alleged debts that you claim I owe. 

You are notified that if you do not comply with this request, I will immediately file complaints with appropriate state and federal regulatory bodies, including but not limited to, attorneys general, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Civil and criminal claims will be pursued. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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:
I've never had a XXXX card or XXXX account this isn't mine XXXX sent me a letter stating that itS my account due too the person making payments on this account that not mine.

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 2020-06-22 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: CT

Complaint narrative:
XX/XX/2020 XX/XX/2020 Unable to add account multiple times after verification with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TX

Complaint narrative:
I have been trying to contact Transunion for over a week on trying to identity why I am unable to view my active disputes & dispute history online. 

Every time I call Transunion support, they end up transferring me 3-4 times, and I end up getting transferred to a " complaint and support dedication '' hotline where I have to leave a voicemail with my name & personal information. I have left several voicemails and no call has been returned. 

I have advised representatives multiple times that I am not trying to make a complaint about the company. But rather, I am simply wanting the ability to dispute online and see my active & previous disputes. 

My last resort now, is making a complaint with the CFPB since I am unable to get any support from Transunion.

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 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Made a {$1200.00} payment out of an account Ive used before on XX/XX/XXXX and was told the next day that my payment posted but was on a 7 day hold. Called my bank with Capital One on the phone and verified the payment came out of my account. Was told they wouldnt clear the payment regardless. Called back on XX/XX/XXXX and was given the run around for an hour until my bank was closed. Called again on XX/XX/XXXX and was told the funds wouldnt be available until XX/XX/XXXX even though I explained that my truck was in the shop and I needed to pay to get it out so I could have a vehicle. I will have no vehicle for two weeks because capital one felt like holding my funds for absolutely no reason. When this happened before because I used a new account they called the bank and pushed the payment through. This time they are completely unwilling to do anything to help me even though they know the payment has cleared. There was nothing they could do was the last response I heard from capital one and when I asked for a reason for the hold on the payment I was told he couldnt tell me the reason. I will be canceling both of my capital one cards after over two years because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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:
Searching my recent credit report, found out a few accounts and inquiries which I never opened before. I carefully looked all of these accounts and listed all of them in identity theft report. Sent request to investigate and remove all of them from credit report as soon as you can. I uploaded personal information like ssn and dl. I think personal info was stolen and used by someone else. all accounts are fraud. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-06-22 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:
Searching my recent credit report, found out a few accounts and inquiries which I never opened before. I carefully looked all of these accounts and listed all of them in identity theft report. Sent request to investigate and remove all of them from credit report as soon as you can. I uploaded personal information like ssn and dl. I think personal info was stolen and used by someone else. all accounts are fraud. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
-Initially phone call on XXXX information for settlement request. - rep did not know -phone call - XX/XX/20 in regards settlement request - fax # XXXX provided -fax letter requesting settlement date XX/XX/20 - to fax # XXXX XXXX fax # given by Citi Cards rep ) XXXX phone call to check on letter submitted, rep did not know about this type of request and stated that it can take few days to view any letters on them systems. 
XXXX phone call to check if fax was received, rep stated no they don't have anything on them systems about any of my request. 
XXXX - received letter stating that my request was not clear. 
XXXX - fax letter explaining request for settlement reason and provided proof of funds. 
-phone call XX/XX/20 to check if any correspondence was received they stated nothing, they don't have anything. 
XXXX - fax letter requesting settlement. 
XXXX phone call - rep stated that they don't have any letter from me on them systems. 
XXXX fax another letter requesting settlement XXXX phone call - representative stated that they don't do settlement and stated that I have to talk to the repayment plan dept. was transfer - long hold time did not talk to anyone on the repayment plan dept. 
XXXX phone call rep stated that for settlement request I have to call on of after XX/XX/20 when my statement is ready to be cut out. 

Besides of response from letter received dated XX/XX/20 about Citi Cards not understanding my settlement request, never again Citi Cards responded or provided me any information about my request, neither a denial, a suggestion or an offer or explanation or instructions on my request. Every representative I spoke with had no clue of an idea about a request for settlement, they always said that no documents from me on them systems. I was provided a few time the same fax # XXXX and I did a few times ask for a different fax and they keep given me the same fax #.

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 2020-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient the Federal Student Aid has informed me that on XX/XX/04 two different FFELP Consolidation loans were took out in my name. One for the amount of {$27000.00}. The other amount for {$22000.00}. Documents of recorded amounts the government loans were is included in this complaint with interest and interest rate. 

I need a copy of the government consolidation loans contracts of {$22000.00} and {$27000.00} that are in my name. 

I tried talking to your representative it has been about 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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:
XXXX has verified that the late payments on a closed credit card were indeed fraud. They sent me the credit card statement reversing the charges. The credit report companies have ruined my credit score and have not changed it back to the original which I believe was XXXX. This is severely hurting my credit and its due to their incompetence. Ive been dealing with XXXX since XXXX. Fix this. NOW.

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 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: WI

Complaint narrative:
XX/XX/XXXX I requested that the ( Chapter XXXX Bankruptcy Acct # XXXX ) be removed due to non-verification that this account belongs to me. Per FCRA section 609 ( a ) 2 the credit bureau is obligated by law to disclose to me the source they are claiming to have verified that this account belongs to me. FCRA states that the furnisher of the debt is the only person or entity that can verify that the debt belongs to the debtor. In this case that would be the United States Bankruptcy Court XXXX District of Wisconsin. 

I have proof via postal correspondence dated XX/XX/XXXX, from U.S. Bankruptcy Court Clerk, XXXX XXXX XXXX that the court " does not report information to any credit agency. '' Lexis Nexis is required by law to provide me the Business name, address, and phone number of the source they verified this account with. I was not provided that I have only been told that from Lexis Nexis, that they are not held by the same guidelines as Credit Bureaus. Which is untrue due to the fact that the FCRA Acts states that they are held to the same reporting laws as the Credit Bureaus. This does not constitute as a Proper Investigation, I need the name of the business, the address, and the phone number of the person Lexis Nexis verified this information with. Third party credit reporting agency information is not considered the original furnisher of the debt. 

I have submitted proof to Lexis Nexis that the original furnisher of this debt states that it " does not report information to any credit agency. '' Please delete this unverified account immediately. XXXX  was reporting this same account and after receiving the proof of this letter from the U.S. Bankruptcy courts, they deleted the unverified account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I opened a new account with paypal to save money for my sons college and to put away money me and a few girlfriends intended on using for business. I have been processing transactions for months with no problem. 2 Girlfriends sent me money to hold while we are planning out our next business move. As soon as the transactions went through PayPal decides I am fraudulent and processing fraudulent transaction with no founded reason and locks my ability to transfer money. They then proceed to send me an email saying they were going to hold XXXX plus dollars for 180 days. They told me they didn't have to disclose why. They just felt like it was fraudulent activity going on? On what grounds not sure. I sent in my Picture ID to verify who I was and everything so not sure about how they came to that conclusion! I am XXXX! And would love some assistance in recovering my funds and never doing any business transactions with them again! Below I have attached the two text messages from my girlfriends who sent the money as verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Fraudulent charges were made using my debit card # and pin on XX/XX/XXXX. I received a text message from my Chase Bank account asking if I authorized the amounts or were they fraud. I responded no not to authorize them. I called chase to disable my debit card immediatelyXX/XX/XXXX. Monday morning XX/XX/XXXX I followed up with a call to Chase Bank to report the fraud. They reversed the charged and launched a claim. 

The charges are as you see below : XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$97.00} XXXX XXXX {$12.00} 21 days later Chase reauthorizes the charges saying because the pin # was used there is nothing they can do. Chase claims they can not verify if my debit card with chip was used or not. Which I thought was suppose to be a protection against debit card fraud. I feel that the investigation by chase does not protect the consumer against fraud of someone else stealing your card # and pin. In addition per FTC if you report the fraud you should not be charged again. 

Chase Bank case # Case ID # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of America scheduled but failed to execute payment to my consumer credit card. Payment was scheduled for the full amount ( only {$20.00} ) multiple times in XXXX and XX/XX/XXXX through the app but failed to process and actually pay off the amount. As a result, the balance remained unpaid, and the account was reported as delinquent to the credit bureaus. 

I only noticed the failure to execute once my credit score was reduced by 100 points. After calling BofA on XX/XX/XXXX, they said it was impossible to fix, and after escalating to the supervisor, they said they were unwilling. We never received a text or email on the payment being late, and the supervisor said I should have seen the message on the app. I had assumed it was a delay on their end and the message was dated. As the husband of an XXXX XXXX XXXX XXXX XXXX, my time was limited and had assumed the issue was already handled when scheduling previously. 

When calling again on XX/XX/XXXX ( when again the web payments failed ), BofA acknowledged their tech issues but did not offer to undo the negative mark 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 explanation
Consumer complaint received 2020-06-22 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: NJ

Complaint narrative:
XXXX has verified that the late payments on a closed credit card were indeed fraud. They sent me the credit card statement reversing the charges. The credit report companies have ruined my credit score and have not changed it back to the original which I believe was XXXX. This is severely hurting my credit and its due to their incompetence. Ive been dealing with XXXX since XXXX. Fix this. NOW.

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 2020-06-22 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:
XXXX has verified that the late payments on a closed credit card were indeed fraud. They sent me the credit card statement reversing the charges. The credit report companies have ruined my credit score and have not changed it back to the original which I believe was XXXX. This is severely hurting my credit and its due to their incompetence. Ive been dealing with XXXX since XXXX. Fix this. NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: Block, Inc.
State: CO

Complaint narrative:
My account was unnecessarily locked on XX/XX/XXXX in my CashApp account ( appears to be a DBA of Squarem Inc. When you request it to be unlocked it states the turn around time is about 24 hours. It's been a week and still no unlocked or a response. I have sent DOZENS of email. Only one time did a get a response one that asked me to answer some questions, i did that, and still nothing back after that. I have also tried calling, emailing, messaging in XXXX & XXXX & XXXX all with no response. I spend HOURS last week trying to get this resolved. I have over {$700.00} in my Cashapp i need to pay bills with. I need my account unlocked

Company response to consumer: Closed with explanation