vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX XXXX I have had made purchases with my debit card totaling over {$500.00}. Those purchases were cancelled and each merchant told me that the funds were released on their end. My bank, BBVA, still has a hold on those funds. I called the to speak with a representative and they said that they did not see any money that should be credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
This company placed an inquiry on my equifax report twice without my consent, while this inquiry was removed from XXXX  due to fraudulently using my information such as social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: TX

Complaint narrative:
After viewing my credit report. I saw that there were multiple fraudulent accounts. I have reached out to the credit bureaus for help and there has been no relief.

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 2021-08-22 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
i filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: CO

Complaint narrative:
XXXX this is a paid account and closed with a XXXX  balance. Per FCRA if an account is paid in full current payment history is reported. Ive sent dispute letters to all three credit reporting agencies to remove the payment history that is more than two years old. It is still being reported incorrectly and I haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Purchased XXXX XXXX gift card for {$150.00} on XXXX  ( I have register receipt ) at XXXX in zipXXXX. to give as XXXX gift but did not gift it. I tried to use card in XX/XX/ and there was no money in card.. I have been working on this with visa, capital one, my bank and their XXXX  and XXXX advisors since then. They point at each other as problem. I paid XXXX with my capital one card ( whch I have closed and destroyed ). They in turn paid XXXX and XXXX paid XXXX I have copy of emails going back and forth. 

Since I paid capitalone.walmart for the visa card, I hold them responsible for the bogus card. So I paid off my cap1 card but withheld {$150.00}. I believe they should get money back from XXXX XXXX who after all got money they did not earn. 

Cap one in turn has damaged my credit rating which was near excellent XXXX. I dont need {$150.00} but I wont be cheated!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint and dispute with Bank of America they found that it was 100 % in my favor and if my money was supposed to be deposited immediately however I've had been having trouble for the last 15 days receiving my money back from Bank of America now yesterday XX/XX/2020 the claim says resolved and paid this is fraud nothing has been resolved and nothing has been paid and nobody knows nothing at Bank of America they say they can not access my account to be able to help me

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 monetary relief
Consumer complaint received 2021-08-22 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: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
Negative mark on credit report. Due to having the same name as my father. His past debt is on my credit report from a collection agency that will not respond to my request to get removed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: WA

Complaint narrative:
First off, to preface this issue, I would like to explain that I have tried to resolve this issue with BBVA, in fact they admitted over the phone that the bank was indeed wrong in charging me the NSF fee, but they weren't able to do anything about it due to the same error being made the month before, in very similar circumstances. So, their system won't " allow '' them to refund the fee, even though it was charged by mistake! This was verbally admitted to me on two occasion. Anyways, moving on : On XX/XX/21 I was charged an NSF fee of {$32.00} for an attempted {$32.00} debit from my account. This makes zero sense, as my account balance the day before, on XX/XX/21, was {$100.00}, and on XX/XX/21, my account balance was {$350.00}. This is all shown on my statement. The bank employees confirmed this as well, and weren't able to give me a single reason as to why I was charged the fee, and like I stated above, it appeared to be a mistake. 

That being said, no one was able to help me. They said it was impossible to refund me the fee since a similar incident happened the month before in XXXX, when I ALSO had funds available for the debit but was charged an NSF fee regardless. 

I find this to be absolutely bonkers, immoral, and wrong on so many levels. I am requesting assistance in getting this fee refunded to me, and compensated for my time in resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX this is a paid account and closed with a zero balance. Per FCRA if an account is paid in full current payment history is reported. Ive sent dispute letters to all three credit reporting agencies to remove the payment history that is more than two years old. It is still being reported incorrectly and I haven't received any response.

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 2021-08-22 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  this is a paid account and closed with a zero balance. Per FCRA if an account is paid in full current payment history is reported. Ive sent dispute letters to all three credit reporting agencies to remove the payment history that is more than two years old. It is still being reported incorrectly and I haven't received any response.

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 2021-08-22 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
i filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received ay investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
unauthorized use, YOU VIOLATED UNITED STATES CODES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
SunRise Credit Services there are about 15 people who call me & tell me that XXXX XXXX XXXX told them to collect what I owe XXXX XXXX XXXX. I spoke with my cable company, which they told me that they do not do that type of communication. When I went to my XXXX XXXX XXXX store I had the GM listen on speaker phone to the fraud woman, the GM corrected the SunRise woman & the woman hung up when busted by the actual XXXX XXXX XXXX cable company GM in California .... Why are these people not arrested, its the same group sitting in 1 small room around a table together.

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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
unauthorized use, YOU VIOLATED UNITED STATES CODES

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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2021-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Negative mark on credit report. Due to having the same name as my father. His past debt is on my credit report from a collection agency that will not respond to my request to get removed.

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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2021-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I put money in my chase bank account and havent looked at my chase bank account for four months because I was out of state. Now I checked and there was {$1200.00} missing. I didnt lose my debit card and ID .I went to the police department to make a report and went to chase bank but they wouldnt repay the money to me. They said that it is not their fault but chase bank should be responsible since I put my money in their bank account. They should take responsibility in securing my money. Now that it is stolen they should repay that amount to me because they are responsible for losing my money. Please help me. My number is XXXX and email is XXXX. My name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 3rd complaint with the CFPB in regards to the information that is on my credit report, once again I have been denied credit due to whats showing on my credit report, I will share the number that the creditor has compared to what Experian is reporting. This is problematic because my EIDL loan was also denied, if someone from Experian doesnt fix this I will be speaking with an attorney regarding defamation & incorrect as well as inaccurate information

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 2021-08-22 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: MI

Complaint narrative:
I been paying on my accounts with XXXX XXXX XXXX and on time and more money to pay my XXXX XXXX off, my end loan personal loan down, and I been paying to get my credit card back down and I have disputed after dispute and i have emailed and mailed y'all company CFPB about all three credit bureau 's wasn't reporting right and XXXX still not reporting my credit right because out of all my dispute to XXXX my credit XXXX XXXX XXXXXXXX have received all the disputes from all three credit bureaus and XXXX felled to update all two loans and my credit card payments and now this is XXXX XXXX XXXX and XXXX isn't updating my payments for my credit score to go higher and I just paid off two collections that was reported on my credit report and no changes. I want XXXX  to get my credit report reporting correctly and update my credit score. I will be emailing or uploading documents from XXXX XXXX XXXX XXXX and from the collection agency to show I have paid them off and I also paid the XXXX XXXX with XXXX XXXX  XXXX off it was {$240.00} now it's XXXX owe.

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 2021-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: IN

Complaint narrative:
I have spoken with the company and they have deferred the loan for me which just extends out the time also its more of a predatory lender situation due to damaged credit, of course my score is my fault but to be taken advantage of by high rates and payments to know now Ive paid way over the value of the loan its self with fees and such. They dont try to refinance or lower monthly payments Ive asked in the past. Its Exeter Finance and if I had known how they would effect me I dont think I would have allowed myself to even get the car. Its been years my car should now be paid off and its far from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: TX

Complaint narrative:
I have tried to call Experian several times and no answer or I get voice mail. They are continues to report inaccurate information monthly on my credit card balances. On XX/XX/, the creditor XXXXXXXX XXXX or XXXX XXXX balance was XXXX instead of them reporting my account on the reporting date it was reported on the XXXX. I called the credit card company and was informed that they reported the correct amount which the amount reported caused my score to fall tremendously. 
This is an ongoing problem with Experian, also cards that has been paid off they continue to not update showing some have not been updated since XX/XX/. 
I tried to call and ask them to update my account per the closing date or report date by the credit card company and I never get a reply even by sending them certified mail.

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