vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 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: GA

Complaint narrative:
XX/XX/2020 tried to send XXXX to XXXX XXXX  XXXX  and on XX/XX/2020 I tried to open an acron account. Recieved notice about 3rd party being blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: NY

Complaint narrative:
I have a loan with XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, and Wells Fargo Card Service. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. There was definitely an error on their part.

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 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Customer Service is extremely rude XXXX, and hung up the phone on me on XX/XX/XXXX. I asked for a balance transfer, then I asked to speak with a manager, they refused to let me speak to a manager, and then Hung up the phone. I then called in again to call up to complain, the XXXX XXXX working on the phone, placed me on hold for 15 min and Did Not File my complaint. Rudest customer service, and I wil

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 2020-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
Never received any written documentation. Accounts showed up in my credit report twice. I asked for written documentation to validate debt and have yet to receive anything. The account is reporting twice, both are not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
Company has yet to notify me in writing of any debt. I have requested and tried to dispute the debt from my credit report. They sent a letter stating I would receive documentation. 60 days later I have yet to receive anything. I am requesting paperwork of date of service, and signatures. Im

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: OK

Complaint narrative:
There is a false judgment for money on my credit. I have disputed to Experian, The XXXX XXXX   XXXX  and XXXX XXXX XXXX, which is the XXXX XXXX XXXX of XXXX XXXX. XXXX XXXX placed a judgment on my credit claiming I owe {$2600.00} and gave a case number from the court docket that had no award for money.. I was never served or notified of this being filed even tho XXXX XXXX had my forwarding address. In court, the judge rules that XXXX XXXX can take posession of the property only and that NO MONEY is awarded. Regardless, they placed a money claim on my credit report. I have contacted Experian and disputed this several times and each time they say the claim is accurate after speaking with XXXX XXXX and their XXXX XXXX. I have sent in court documents that show they were only awarded possession of the property. Regardless, they refuse to remove the {$2600.00} claim from XXXX XXXX. Also, this is on my credit report twice. Once by XXXX XXXX as well as once by XXXX XXXX XXXX even tho it is 1 case. So when my credit is run, it appears that I have been evicted twice. This has cost me money and problems when I have tried to rent a property. Once in 2018 and once this year. Now Experian is telling me I can not dispute this anymore and will not take a dispute claim from me. I am never told what exactly is investigated or what documents they look at or how they decided in the other parties favor. I'm just told its accurate. How is it accurate when the court papers say NO MONEY AWARDED?

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 2020-07-28 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Auto has been repossessed since XXXX, in XXXX of XXXX there was a XXXX amount added to my outstanding balance, in addition to this while I had the vehicle and made payments over the phone they charged a fee XXXX that I was always told would be credited to my account. I was told in XXXX by my salesman that my credit score was below 500 and at the time of purchase did not have a valid driver 's license, I paid gave my salesman XXXX down and had to give him an additional XXXX some of which he said was a loan origination fee. There has been a class action lawsuit against Santander that includes 34 states but not Missouri. This account has continued to do damage to my ability to do anything!!!! THIS ACCOUNT IS BEING REPORTED AS A NEW LATE PAYMENT every month DURING A NATIONAL PANDEMIC ... AND VIOLATING THE " C.A.R.E.S ACT ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 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: Granite Edvance Corporation
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Auto has been repossessed since XXXX, in XXXX of XXXX there was a XXXX amount added to my outstanding balance, in addition to this while I had the vehicle and made payments over the phone they charged a fee XXXX that I was always told would be credited to my account. I was told in XXXX by my salesman that my credit score was below 500 and at the time of purchase did not have a valid driver 's license, I paid gave my salesman XXXX down and had to give him an additional XXXX some of which he said was a loan origination fee. There has been a class action lawsuit against XXXX that includes 34 states but not Missouri. This account has continued to do damage to my ability to do anything!!!! THIS ACCOUNT IS BEING REPORTED AS A NEW LATE PAYMENT every month DURING A NATIONAL PANDEMIC ... AND VIOLATING THE " C.A.R.E.S ACT ''

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 2020-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: MS

Complaint narrative:
I go to an ATM to get some cash mid-vacation and my transaction gets cancelled ( not by me ) so I try a purchase at XXXX with cash back, it gets denied. I call eppicard and they say I have to talk to level 2 service person to authorize out of state use, I talk to them, they say they're putting the authorization through, could take 24 hours, I go get gas before the 24 hours is up, transaction goes through fine, after 24 hours, I go to XXXX to make a purchase and try to get cash back, get denied ... try without cash back, goes thru fine, buy food, get gas, pay for hotel rooms, all fine, try to get money out of the atm, denied, try to make a purchase with cash back at XXXX, get denied, after 48 hours, I try to make a $ XXXX purchase at XXXX get denied, try to make a < {$100.00} purchase, get denied, try to make {$5.00} ish purchase, get denied, now getting denied every purchase attempt everywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Nelnet, Inc.
State: MA

Complaint narrative:
I can't believe what I saw on my credit report.. It says late 180 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: CA

Complaint narrative:
The bank service does not work anywhere. It did not work work woth XXXX  and now avail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: CA

Complaint narrative:
i filed a complaint with you approx 2 mos ago regarding transunion. they responded immediately and stated they would fix the problems with my credit report. they have not done anything and everytime i try and communicate with them they send an email stating they cant find me in system its always same email. then i received an email from transunion saying they agreed their were numerous errors on my report and they have done nothing to correct them now they have stopped me from trying to log into their website. they continue to try and charge me for any service and now i am getting third party emials from companies wanting to sell or loan on their disclaimer it states transunion gave them my information which i never authorized them to do. i have tried over 15 times  in the last two months to get a simple cc and have been denied in whole or part due to transunion credit report. i am attaching a credit report from them i got on XXXX nothing on their is correct

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 2020-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Please check as reference my CFPB inquire # XXXX and the attached letter with date XX/XX/2019 to the Debt Collector XXXX XXXX  XXXX XXXX in their response the said they will stop and cease any collection activity for the amount of {$300.00}. Now checking my credit report in XXXX  shows another Debt Collector is reporting the Amount of {$300.00} such amount has been disputed in the past as you know. I opened immediately a dispute within XXXX  and this new Debt Collector SUNRISE CREDIT SERVICE still flagging as a validate debt. 
That is the reason Im open this complaint against the debt Collector ( attaching debt validation letter along with the XXXX report affecting my credit score ) The CFPB should be aware this act is Intentional and with the goal to harm me, I would like to ask the CFPB to ask XXXX  and the Debt Collector Sunrise Credit Service to remove immediately this vogus Debt Collection 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 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I pay a hefty annual fee for the " benefits '' offered on my XXXX XXXX Amex card, notably the extended warranty offer. However when trying to utilize the feature, the company process does not even allow me to upload the docs they require, after hours on the phone and repeated calls to get resolution I am finally contacting you. I have been hung up on, told repeatedly to use a link that will not work, even told to upload to a 3rd party fax service putting my financial info at risk ( that did not work either ). They advertise these features for having the card with an annual fee, however when you go to use them they dont work and the support to help is pathetic, almost as if they want to discourage you from trying to use the feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AE

Complaint narrative:
In the summer of XXXX I started having problems with my student loans. I had not been working for almost a year and it was time to recalculate my payments I initiated a recalculation over the phone and was told my payment would be set at XXXX $ and then I double checked later in the next month I saw that it was indeed set at XXXX $ and I have a screen shot showing XXXX $ due and paid. Then XXXX of XXXX I discovered in my junk email that I was defaulting on my loans. I immediately called and had account placed on an administrative hold was trying to have credit cleaned up and payments set back to appropriate income based repayment. I have spoken to customer service reps numerous times I have been told multiple times the repayment should be at XXXX $ and my credit would be restored.. I am a dependent of an XXXX in the XXXX with a XXXX XXXX XXXX. I have spoken to them at least 20 times and reached out to my congressman for assistance in this matter. I am at a loss as to how to make this right. I am being told currently I am past due and owe almost XXXX $ a month which is out of line for my family size and income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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:
Please check as reference my CFPB inquire # XXXX and the attached letter with date XX/XX/2019 to the Debt Collector XXXX XXXX  XXXX XXXX in their response the said they will stop and cease any collection activity for the amount of {$300.00}. Now checking my credit report in Experian shows another XXXX Collector is reporting the Amount of {$300.00} such amount has been disputed in the past as you know. I opened immediately a dispute within EXPERIAN and this new Debt Collector XXXX XXXX XXXX still flagging as a validate debt. 
That is the reason Im open this complaint against the debt Collector ( attaching debt validation letter along with the Experian report affecting my credit score ) The CFPB should be aware this act is Intentional and with the goal to harm me, I would like to ask the CFPB to ask Experian and the Debt Collector XXXX XXXX XXXX to remove immediately this vogus Debt Collection 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 2020-07-28 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: MO

Complaint narrative:
PNC does not allow to securely connect with other services that may withdraw or deposit money. For instance, I have tried using XXXX a debit card for my child to which I can link my bank account to load money for her use and PNC doesnt allow. There are several stock investment services that I would like to use, but PNc doesnt allow linking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: WI

Complaint narrative:
This writer submitted a request for an investigation and it was a fallow investigation. They did not properly investigate my concern. Instead they submitted an email stating the dispute was final after 3 days. When in fact the creditor sent an email citing their error from inaccurately reporting my payment history. I have a copy of the email. But Experian refuses to re-investigate it.

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 2020-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Was previously with Great Lakes Borrowers during my enrollment at XXXX XXXX University from XXXX to XXXX. Was placed on forbearance due to difficulty making a XXXX a month payment. Tried multiple times to refinance or get a better payment plan and was refused. When XXXX took over my loan from Great Lakes Borrowers, not only were they offering better and affordable monthly payments but they were also very helpful in enrolling me in public service loan forgiveness for law enforcement which Great Lakes Borrowers advised me was not available with them despite my loan types. Prior to graduation from XXXX in late XXXX, my student loan debt total was about XXXX however after graduation, and after my grace period, my total owed sky rocketed to almost XXXX owed and the explanation given from Great Lakes Borrowers was that it included interest accrued while I was enrolled in school which should not have been the case during enrollment and the 6 month grace period. This is in reference to the loan ( s ) taken over from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The credit reporting agency Experian has multiple incorrect addresses on file for me. I have disputed it and they continue to verify it but again not true! I looked up one address and it belonged to a business!! But they refuse to reinvestigate it.

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 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX charged my debit card without being authorized. I disputed the transaction with them and BB & T. My account was negative because of XXXX and BB & TS lack of crediting my account. BB & T then allowed XXXX to debit my account which clearly did not have the money and this was with my debit card the charge should have been denied due to lack of funds! Then BB $ T charged me a 36 dollar overdraft fee! This is appalling with everything going on now for this to be allowed!!! Thieves!!! 
overies for free XXXX Your cancellation is confirmed. 


CANCELLATION CONFIRMATION Your membership : XXXX. XXXX Membership Membership Expiration Date : XX/XX/2020 Confirmation number :

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