vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I purchased an item on XXXX and the seller never sent the item to me. The seller basically entered and left the post office with the item I purchased. Its highly unlikely the product ever existed. I purchased a UV light during the early stages of the Covid-19 pandemic. Before my purchase I looked at the seller information, the seller was located in the USA, after my purchase the seller was located in XXXX. I was told I have to wait two months the time frame the seller had to make things right. I pointed out the item I paid for isn't being delivered to me. They claimed their hands are tied, rules are rules. Afterwards, I told them the card I used expired. I need to give them the updated information. Paypal told me they can't update the card. They had to send it to the expired bank card. After that they closed the case. Even though I told them my bank wont accept transactions on the old card. I told them other businesses ask me to update my bank card after the expiration date. An example is XXXX. Basically, Paypal believe my money is their money. Its always the run around. Always folks who don't care or understand what they're doing. They've been instructed to steal money while pretending to be customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-20 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: AR

Complaint narrative:
Experian a credit reporting company is using outdated information to purposely report negative information that is over 6 years old and they never obtain real proof that investigations have been conducted they only take a companys position as if it were accurate which is not fair business practice and they do this to people of XXXX, without proper documentation u cant assume or falsely mislead a consumer when you do not have written justification.

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 2020-06-20 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: WA

Complaint narrative:
Transunion has my credit filed mixed with a different person with the same name and different social security and I keep getting inquiries and accounts on my credit report that are of a different person with a very similar name. I have tried all possible way to fix this error but I have not found success.

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 2020-06-20 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: CT

Complaint narrative:
Hello, my name is " XXXX XXXX '', I have been reporting about inaccurate items over a year. However, the response of the credit bureaus didn't make me feel satisfy. There are still some derogatory accounts that not belong to me and our business. I request investigation on these incorrect accounts that I list below. 
** Name ** _XXXX XXXX This name was spelled incorrectly. My only real name is XXXX XXXX. 
XXXX Address reported** XXXX XXXX XXXX XXXX XXXX , CT    XXXX XXXX XXXX XXXX XXXX , CT XXXX XXXX XXXX XXXX XXXX XXXX , CT XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX , CT XXXX These addresses are incorrect and need to remove off my credit report. Someone intended to put them in their to harm and intervene me from obtaining credit. I have attached my driver license and tax return document as proofs for my accurate name and address. 
**Hard inquiries*** _ XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX These 3 account above are unauthorized inquiries. The information which credit bureaus provided, violated Metro2 Report Compliance by not reporting their contact information, remarks and dispute status. 
XXXX Inquiry : XXXX XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro 2 Report Compliance " by not reporting there con contact  information. 
**Collection** XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipt any loans or credit with this company. This collection was added in my credit report. As you may aware of section of 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. I request the credit bureaus provide me full information of this collection and also proofs that you have followed F.C.R.A lawsuit in the process of adding this collection to my 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 2020-06-20 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Care credit/synchrony bank had reported me twice as being late with payments. I had some fraudulent activity on this account awhile ago during there investigation I was assured nothing would be reported as late to the credit reporting agencys till there investigation was complete. The investigation was completed and was proven there was fraud in the account however I was reported twice as late on payments. I contacted them months ago and was assured they would be removed as it was an error. One was removed however the second one was not. I called again and spoke to a customer service rep who looked into it and submitted a statement for the 3 credit reporting agencies to remove that other negative late payment remark. Today I checked XXXX XXXX and that one shows 2 late payment remarks still. This is affecting my credit in a negative way.

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 2020-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  had reported me twice as being late with payments. I had some fraudulent activity on this account awhile ago during there investigation I was assured nothing would be reported as late to the credit reporting agencys till there investigation was complete. The investigation was completed and was proven there was fraud in the account however I was reported twice as late on payments. I contacted them months ago and was assured they would be removed as it was an error. One was removed however the second one was not. I called again and spoke to a customer service rep who looked into it and submitted a statement for the 3 credit reporting agencies to remove that other negative late payment remark. Today I checked credit sesame and that one shows 2 late payment remarks still. This is affecting my credit in a negative way.

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 2020-06-20 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: NY

Complaint narrative:
XXXX XXXX XXXX  had reported me twice as being late with payments. I had some fraudulent activity on this account awhile ago during there investigation I was assured nothing would be reported as late to the credit reporting agencys till there investigation was complete. The investigation was completed and was proven there was fraud in the account however I was reported twice as late on payments. I contacted them months ago and was assured they would be removed as it was an error. One was removed however the second one was not. I called again and spoke to a customer service rep who looked into it and submitted a statement for the 3 credit reporting agencies to remove that other negative late payment remark. Today I checked credit sesame and that one shows 2 late payment remarks still. This is affecting my credit in a negative way.

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 2020-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Hello, my name is " XXXX XXXX '', I have been reporting about inaccurate items over a year. However, the response of the credit bureaus didn't make me feel satisfy. There are still some derogatory accounts that not belong to me and our business. I request investigation on these incorrect accounts that I list below. 
** Name ** _XXXX  XXXX This name was spelled incorrectly. My only real name is XXXX XXXX. 
XXXX Address reported** XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX These addresses are incorrect and need to remove off my credit report. Someone intended to put them in their to harm and intervene me from obtaining credit. I have attached my driver license and tax return document as proofs for my accurate name and address. 
XXXX*Hard inquiries*** _ FXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX These 3 account above are unauthorized inquiries. The information which credit bureaus provided, violated Metro2 Report Compliance by not reporting their contact information, remarks and dispute status. 
XXXX Inquiry : XXXX XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro 2 Report Compliance " by not reporting there con contact information. 
**Collection** XXXX XXXX XXXX Reported XXXX XX/XX/XXXX I never receipt any loans or credit with this company. This collection was added in my credit report. As you may aware of section of 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. I request the credit bureaus provide me full information of this collection and also proofs that you have followed F.C.R.A lawsuit in the process of adding this collection to my 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 2020-06-20 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Hello, my name is " XXXX XXXX '', I have been reporting about inaccurate items over a year. However, the response of the credit bureaus didn't make me feel satisfy. There are still some derogatory accounts that not belong to me and our business. I request investigation on these incorrect accounts that I list below. 
** Name ** _XXXX  XXXX This name was spelled incorrectly. My only real name is XXXX XXXX. 
XXXX Address reported** XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX These addresses are incorrect and need to remove off my credit report. Someone intended to put them in their to harm and intervene me from obtaining credit. I have attached my driver license and tax return document as proofs for my accurate name and address. 
**Hard inquiries*** _ XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX These XXXX account above are unauthorized inquiries. The information which credit bureaus provided, violated Metro2 Report Compliance by not reporting their contact information, remarks and dispute status. 
XXXX XXXX : XXXX XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro 2 Report Compliance " by not reporting there con contact information. 
**Collection** XXXX XXXX XXXX Reported XXXX XX/XX/XXXX I never receipt any loans or credit with this company. This collection was added in my credit report. As you may aware of section of 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. I request the credit bureaus provide me full information of this collection and also proofs that you have followed F.C.R.A lawsuit in the process of adding this collection to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Activehours
State: FL

Complaint narrative:
I downloaded this app my friend said to download you earn money they contact you guys because my bank changed something so I wont be able to link my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: DC

Complaint narrative:
I had enrolled in autopay twice with this company, unfortunately it did not go through. When I was aware of the problem I fixed the problem. The company however has not. I have been told that the reporting are to old and can not be removed. This is stopping me from moving forward with a refinance of my property. The amount is {$15.00} per month.

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 2020-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was trying to link my PNC bank account to the XXXX XXXX app which uses the program " XXXX ''. it keps telling me there was a problem processing my request and that the account could not be connected at this time. 

Later on in the day, i went to use my XXXX app to send a colleague some money. XXXX just started using XXXX as well, and once again did not let me connect my bank account to my app. 

after this, i tried calling PNC bank customer service, and they told me it had to be a third party problem. this is the only place i could think of to come to try and resolve this. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I submitted to Equifax that an account was not mine ( XXXX XXXX XXXX ) they said it was and kept in report I again submitted complaint no still there I then called and told them I have never used that company before, they insisted it was my account, they also refused to remove accts the were closed past the Florida Statute of Limitations and I read that State statute overruled reporting agencies the acct was closed and reopen by a collection agency ( XXXX XXXX ). Can you please help me get these off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: I.C. System, Inc.
State: MI

Complaint narrative:
I recently pulled my Credit Report. 

Completely surprised to see on that report : I C SYSTEM COLLECTIONS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$200.00} Date Updated : XX/XX/XXXX Original Amount : {$200.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I never received a bill, call, email, nothing from this company. Suddenly it just appeared on my Credit Report. 
They did not follow legal debt collection practices, I was not given 30 days to dispute this. 
As of right now, I have still never heard from this company. 
The damage is done. I am trying to get a new mortgage and move, but because of companies like I C SYSTEM COLLECTIONS # XXXX, who have MANY complaints such as the XXXX, XXXX, etc., I have to wait on unscrupulous credit collectors. 
I have never received 1 single item to try to verify this debt. I have never head from them. Now I have to waste my time waiting on this company. 
They never gave me the opportunity to verify the debt.

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 2020-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letters out certified that there are inaccuracies on my credit report. I have a freeze on my XXXX XXXX and asked the Bankruptcy court to send me a letter of non 3rd party consumer reporting. I feel like the Credit bureaus are taking advantage of regular people.

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 2020-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Armed Forces Loans of Nevada Inc.
State: NC

Complaint narrative:
I applied for a loan on Monday XXXX XXXX, started my allotment on XXXX XXXX. I called the company several times on Monday the XXXX and Tuesday the XXXX asking if there was anything else needed and they kept saying no. After several hours of no movement of my application I called back again on both days and then they would tell me something else is needed. The company fails to reach out to costumers basically not trying to help expediting the process. They constantly prolongs the process. This company had terrible reviews. Every review they have is bad and I didnt notice that until after I got involved with them. My loan was finally approved on Tuesday XXXX XXXX at around XXXX XXXX  EST on the online site. The status stated funded. I talked to a lady named XXXX who told me that the money has been released to your bank on Wednesday and I would need to wait 24-48 hours. Now I fast forward to XXXX XXXX Friday and I still have no money. I call and email and they tell me the same thing 24/48 hours and at the point Im past 72 hours. Today is Saturday XXXX XXXX and I still have no money. The company isnt replying to my emails when I call they give me the run around. They tell me what I wan na hear but they are doing nothing. My mother has been evicted because she cant pay her rent, shes XXXX and this loan was for me to help her. I needed the money by Friday the XXXX which was plenty time for the company to fund me but they have failed seriously. Ive contacted my personal back 3 times and they told me that there is no pending deposits from anywhere. My bank asked me to get a trace number for my loan. I asked armed forces for the trace number and they told me there was not a trace number. I think this company is scamming people. They owe me {$2200.00}. Please help me hold this installation accountable for the mistreatment of customers. It seems as if they dont care about peoples needs and they dont put a sense of urgency on anything. They just prolong the process and go home and dont contact anyone about anything furthermore, their office is closed all weekend so if u dont get anything during the week you are XXXX until Monday. In my case I never got any kind of answer about where my loan is and now Im left with no money for the entire weekend and there is nothing I can do about it. They are closed there is no after hours line, there is no emergency line or anything.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: TX

Complaint narrative:
I sent letters out certified that there are inaccuracies on my credit report. I have a freeze on my XXXX XXXX and asked the Bankruptcy court to send me a letter of non 3rd party consumer reporting. I feel like the Credit bureaus are taking advantage of regular people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am unable to link my bank account to my XXXX account. I need to be able to securely and quickly send someone some money. I get this error : " PNC has made a change that prevents you from being able to link your accounts. ''

Company response to consumer: Closed with explanation