vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: GA

Complaint narrative:
Back in XX/XX/2019, I discovered that my personal information has been misused by an act of an identity theft crime. The problem was reported to all three credit bureaus as soon as I discovered fraudulent financial activities using my personal information. 
Exactly, seven credit card accounts were made using my identity and I reported each accounts to credit bureaus and requested removal and suppression of inaccurate accounts ' information from my credit report. 
I successfully filed two separate identity theft reports, FTC and local law enforcement, and submitted to credit bureaus. 
Unfortunately, XXXX  and Trans Union credit reporting agencies are not honoring official identity theft reports from two different law enforcement agencies and still reporting few fraudulent accounts ' information on my credit report. 
I am very concerned about their illegal action towards me. Neither XXXX  and Trans Union did not submit any significant proof that accounts belong to me, and creditors did not provide any result of their investigations nor the method of verification. 
I requested to see who approved these accounts, who witnessed myself creating these account, and who witnessed using these accounts for myself. 
Both parties are violating FCRA and continuing to post inaccurate accounts ' information on my credit report. 
Please advise them to remove all of fraudulent accounts that are currently being posted on my XXXX  and Trans Union credit report. I will attach each copies of police report and FTC identity theft report to CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX These accounts are still being fraudulently reported 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 2020-07-14 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: NC

Complaint narrative:
My credit report is inaccurate I have an updated list of missing items on my credit report. 
I need all my my credit reports to reflect the same info I need all inquiries 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 explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have purchased from a scammer for one of the golden retriever puppies online for {$750.00} via Zelle on XX/XX/2020 and then sent {$1100.00} for shipping insurance via XXXX XXXX app @ Zelle. I have just talked with XXXX about a possible refund on XX/XX/2020, but they have told me that they are not responsible for Zelle. I have also contacted Zelle to try to reverse my transaction, but the company told me that the money has already been transferred, and a refund was not possible. I trusted the bank for Fraud protection and thought that Zelle which is included in the XXXX XXXX  app not covering authorized fraud/scam. It should not be the case and Zelle should put out a statement that they do not cover fraud/scam damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
PNC Bank is not allowing my account to be linked to my XXXX account. This is frustrating since XXXX only allows investing funded through valid checking accounts and this is my only checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Recently received a letter from Midland Credit Management , Inc, in regards to a debt that is not mine and never known to me. Send company a Validation letter on XX/XX/2020. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
XXXX XXXX of XXXX XXXX ( XXXX XXXX hospital ) never sent any copy of a medical bill to me even though they had the correct mailing address in their system. They claim their system shows that they sent bills to me even though I did not receive any. Other XXXX XXXX of XXXX XXXX customers have the same issue ( not receiving any bills until they are sent to debt collection ). Their errors are going to impact the credit scores of many people, including myself hence this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MS

Complaint narrative:
I got a call from ERC telling me I owed money to XXXX XXXX XXXX I told them I am waiting on a check from XXXX XXXX XXXX due to filling a dispute with this company due to the service always being off and hardly ever on which was why I discontinue service and returned their product the service was more off than on told them I was returning it that I was not satisfied with it and have it back immediately I would try on many attempts to fix the problem to get a credit and each time the service stayed off it became a real problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: NC

Complaint narrative:
My credit report is inaccurate I have an updated list of missing items on my credit report. 
I need all my my credit reports to reflect the same info I need all inquiries 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 explanation
Consumer complaint received 2020-07-14 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: NC

Complaint narrative:
My credit report is inaccurate I have an updated list of missing items on my credit report. 
I need all my my credit reports to reflect the same info I need all inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: SC

Complaint narrative:
I have been monitoring my credit report and notice that my credit card XXXX XXXX wasn't being reported on my Equifax credit report, but was showing up on the other 2 credit bureaus reports. It was there previously and for some reason was removed. I called XXXX XXXX first and they explained to me that they report every 30 days to all 3 bureaus and couldn't understand why it wasn't there. I then called Equifax who told me that they only get what is being reported to them and there wasn't much they could do and to call back XXXX XXXX. I did my research and looked back to when I purchased 3- bureaus reports through XXXX. In XXXX of XXXX  my XXXX XXXX card was reporting to Equifax as well as the other 2 bureaus. In XXXX of XXXX  it was gone from Equifax for whatever the reason but still reporting to the other 2 credit bureaus. It hasn't been on my Equifax report since and it's effecting my credit score without the positive payment history I have with that credit card over that time frame. It wasn't until i was getting my credit together to try to purchase a house did I notice this vital information missing from Equifax, especially being I just paid the card down and was looking for the results on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I tried to buy PPE from a site, XXXX and they take PayPal. The site appears legitimate but upon further review is known to fail to deliver on their products. I tried to have PayPal stop the transaction but nothing happened and the charge went up from {$61.00} to {$70.00} for the purchase which makes it even more suspicious. Please tell PayPal to shut down this merchant and refund the money - there are many complaints about this site. It appears to be based in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
My attorneys office had sent a letter to portfolio recovery. Since the letter has been sent ( early XX/XX/2020 ) I have received about 18 calls from them. I have to ask why they are calling me. Is all I get is who they are personally. Not who they represent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ACQ Holdings, LLC.
State: MO

Complaint narrative:
I took out a payday loan in XXXX of 2016. I made months of payments. When I asked, after many, many, many payments, what my payoff amount was, I learned that not XXXX cent of the hundreds of dollars I had paid back, for a {$600.00} loan, had not been applied to the principle. Not XXXX cent! I quit paying out of frustration at getting no explanation. We are currently in litigation. I find, in court, that most of the court cases are for EasyCashASAP. So, I am not the only person. I simply would like for their practices to be investigated. Thank you. Also, I do NOT want a response from them!! Therefore I will not be passing along my loan number. Just please check them out!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, I reached out to Wells Fargo in an attempt to refinance a current vehicle loan. After a hard inquiry on my credit, I was informed that I was approved and given my new monthly payment along with APR. I was told to check my mail as I would receive correspondence that way and to continue to make normal payments. After a few months I had not received anything nor did I receive emails or phone calls. On XX/XX/XXXX, I reached out to Wells Fargo to inquire about the delay. The first representative " XXXX '' informed me that Wells Fargo was no longer exercising refinance options for customers and that I should take my business to another financial institution. I asked to be forwarded to a supervisor and upon transfer was hung up on. After calling back, I asked to be transferred to where they were attempting to transfer me to which was the escalation department. After a brief transfer and a long pause, someone answered the phone with the greeting, " hello '' without identifying themselves. I explained my situation and stated my desire to have the hard inquiry removed from my credit since my refinance was not going to be honored. The escalation employee told me that I needed to write someone else within Wells Fargo despite being forwarded to the correct department able to handle my inquiry. The representative seemed to have had the impression that it was my fault that my refinance did not work out despite myself being informed by the previous representative that refinance options ceased on XX/XX/2020, which meant I was only given three days to respond to correspondence I never received. The escalation employee informed me that they attempted to call my cell phone but only got the busy signal. I find that hard to believe as my cell phone is always on me and always on therefore they would have never gotten a busy signal and I do believe this was an error on their part as they have the correct mailing address on file for 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 explanation
Consumer complaint received 2020-07-14 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal without notice nor explanation closed my account, first claiming I violated their terms of use, and then later telling me that I was a high risk of fraud. The cryptic responses continued to talk about refunding buyers but thats not how I used this account. I sold nothing for which a refund would be due. 
As Ive been an identity theft victim, including through their platform, I should be able to know basic information when such immediate and drastic action is taken. If they know something I dont, then speak up. 
Their customer service is universally bemoaned as abysmal, and for good reason. Im shocked this companys practices arent illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 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: FL

Complaint narrative:
XXXX XXXX XXXX  In the FCRA 611 - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) ( ii ) ( 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. 

The number for this item has no number, how can I contact them to discuss with the about the account? 

Please remove from 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 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have been wrongly been not allowed to purchase bitcoin off coinbase. I have done nothing wrong and yet they have limited and not allowed me to personally buy bitcoin off their exchange

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
From XX/XX/XXXX, XXXX- XX/XX/2020 I noticed that my card was blocked at the end of XX/XX/XXXX. I was sent a letter on XX/XX/XXXX that they would soon be closing my accounts and wouldn't have any access to my funds.Apparently, there were deposits made to my account that were not associated with my account name, which flagged the fraud department I believe. However, I was told in order to lift the block from my account I was to bring proof to the Chase Branch that I was to receive these deposits. However, they never clarified what type of documents to bring in. These deposits ( $ XXXX ) were made as a wire transfer I believe. But, I was under the impression that any wire deposits or any deposits made to my account by another person would be verified by the bank. After that I was told that Chase would end their relationship with me and would soon close my account after review and would mail a check with my remaining balance. However, because I used the funds deposited in my account that weren't associated with my name I would be responsible to pay back that amount. But, I was told that my account would be sent to collections to set up payment. The issue is that all the money I had was put in Chase bank and I have no source of income now. I wanted my money that I had before the deposits were made. The original balance of my account before this was about ( $ XXXX-XXXX ) that I had saved and was a part of my unemployment that I had received. I asked if I could have my final deposits and then set up a payment plan with collections, if I was to repay back the bank. But, it seems that Chase has taken all the money in my account without providing a payment option. This has left me with no money to my name and it seems more realistic to provide the consumer with their remaining funds and to set up a payment plan with collections rather than to take all the remaining balance of an account. The representative on the phone that I spoke with could not help me or provide me with any clear answers. I would hope that I could just have my life savings back and set up a payment plan with Chase rather than being cleared out of all my money as I am currently unemployed especially during this pandemic with no other form of income than what I had in my Chase bank account. I am waiting to see if I will even receive any money back from Chase and the wait times to speak with anyone are over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
After I locked into a rate ( as the loan agent guided me through the web side ), I noticed that the bank fees has increased and also lender credit was not there any more. Instead there were more to put out of my pocket. They did not notify me about it but wanted to upload paper works to move through the applications process ( emails attached ). 
When I brought that to their attention, they said the mistajke happened due to an overlap in their website due to XXXX of XXXX holiday! Finally after more e-mails they agreed to go back to my lock rate with same pay out of my pocket. 
Then the loan officer stated that he can not pull my XXXX  credit due to is is forzen. I have checked my self ayt XXXXsite and also talked to two XXXX  agents and verified that the credit file is Unlocked and not frozen. As I went back to the loan agent, he told me to go through another sister company of theirs as they only requires 2 credit scores ( but their fees are much higher! ). I am assuming that this bank advertised false rate and now they are back paddling with any excuses they can get. 
I still have 40 days locked at that rate and the loan agent is actually telling me that he will not be able to get the XXXX  credit score by himself and blaming on XXXX  ( again, I verified with experian that is not true ). 
this is a huge waste of my time for two weeks in between my job to get all the paper work submitted to them and they can not keep their advertise loan rate with the out of pocket expenses for me. First they increased the estimated cash to close without my knowledge and now they are not able to pull my credit report ( which is not Locked ). 

Kindly see the e-mail exchanges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I need PNC to link to my XXXX XXXX XXXX Grant application and it is not working. They suggested I contact this agency to advocate that PNC link my account so I am eligible for grant money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: VA

Complaint narrative:
I have been given false hopes or discriminated or treated unfairly. I have been working for 5 months with AFN with a senior loan officer who has been misleading me and getting information with no result twice after telling me I was prequalified preapproved for a refinance cash out which I have been trying to accomplish. Twice she pulled my credit causing me to get my numbers lowered or questioned by credit bureaus unnecessarily except the first one. Later, she revealed to me that her company was pressuring her personally to submit applications and she admitted that my loan is rejected but the company would not give me the real reason for the denial. She is leaving the company and she would like me to apply with her new company since it is a better company. She revealed that my separation agreement is a concern and that the dots do not connect she was told verbally and via internal email she could not share. I submitted a legal document regarding my separation and gave all the information required. I was treated unfairly with no good faith to make this a reality. I spent a lot of time losing time and money with false hopes and till date I have no written reply from the company. The loan officer has left to another company supposedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: PA

Complaint narrative:
XXXX XXXX XXXX with whom I do not have any contract with reported a delinquent account on my credit reports. I never received any correspoence from them therefore wasnt able to confirm the validity of the charges. As a result my credit repot is blemished with this unauthorized account. I requested method of verification used to determine this debt is valid but they ignored my request. They have not practiced proper credit reporting procedures per FCRA.

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