vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 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: AL

Complaint narrative:
Request for method of validation To Whom It May Concern : I recently received a response to a CFPB complaint that I made under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) ) regarding the validation of the below accounts which you show as validated and belonging to me on your records. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am extremely interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. All previous letters and documents that I sent to you attached along with this correspondence in order to help you process this request. I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Acct XXXX XXXX XXXX   XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX

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 2020-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I would appreciate your help with PNC. 

On XX/XX/XXXX, i asked PNC to put a hold on my loan payment and they agreed to do so for two months. I had to put a stop to all the payments. Since the pandemic there is no way to enter the building and do so. In that regard i reached.out to the PNC XXXX XXXX and i was in contact with XXXX XXXX, Miss XXXX put a hold of the payments and transfers, She mentioned that when i want to go back to the same process for paying the loan and transfer then i should call her back and reverse the process. I contacted via email Miss XXXX in XXXX and asked her to set everything back to normal due to the payment coming out in XXXX. I was very specific and i mentioned what accounts and she verified. I noticed XXXX i did not see any transfer from one account to another to make the payment for the Loan for the land. I contacted Miss XXXX via email and she mentioned that i am incorrect the payment is coming out in XXXX. I replied imminently and sent her a scan of my loan payment schedule the bank had sent me and expressed my concern. Miss XXXX not only ignored my emails she also ignored my phone calls. Due to that fact of knowing that she made an error i frantically transferred funds and as you know the payment coming out the i did not make the dead line and there was not enough funds, and my account borrowed from the line of credit. 
When i reached out to Miss XXXX again the next day she ignored my emails and my phone call she replied at the end of the day and very annoyed and rudely expressed that it was my mistake and not hers. 
I reached out to the branch manger and i expressed being a customer for 17 years thus having a loan for {$720000.00} which is paid off in the next two years. I am disappointed to that i was treated so rudely, causing my loan payment to take from my line of credit due to XXXX mistake, in which she is not acknowledge and willing to fix. I expressed if the bank is not willing to acknowledge and fix the mistake i would be happy to take my business banking to another bank. I also have that email the Bank manger XXXX XXXX expressed that would his pleasure and to help me move banks. 
I would like to express this is not the first time i have had an issue with Miss XXXX, another time i opened a bank account only in my name. She called my ex husband and told him that my checks are available to be picked up. I expressed very highly for there is no one else on my account and do not send the checks to my place of business. I would like a third party to step in and help with this issue and solve the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I've tried to have my bank account allow access to join XXXX  and XXXX to contact my bank. If the bank doesn't want to allow XXXX as a third party interest, then they need to open a function as an option that is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-07-24 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: AL

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I received a call from Bank of America for a credit claim in my name. I did not request this credit claim and did not authorize anyone to do so on my behalf. The amount in credit owed is {$2300.00}. I am an existing customer of Bank of America. I have already notified Bank of America of the claim being unauthorized. They locked my account under suspicion of fraud. I was a victim of identity theft and those funds offered through the claim were sent to people I do not know through bank transfers and XXXX. The amount taken out of the account was approximately {$2800.00}. This included over {$450.00} that was already in my Bank of America account. I called through multiple directories of Bank of America about my situation, opening my account or clearing this claim. They have closed my account and revoked the claim but still require me to pay the debt of the amount the claim is in.

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 2020-07-24 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: GA

Complaint narrative:
I have tried multiple times to dispute inaccurate information on my XXXX and transunion credit report. I have asked both companies to send me any documents with my original signature, or proof that shows that these are my accounts. These inaccurate accounts are listed below. 

the inaccurate items on my XXXX  report are listed below : # 1 XXXX XXXX ( {$8500.00} ) # 2 XXXX XXXX  ( {$620.00} ) I have never done business with these companies. 

These inaccurate items on my transunion report are listed below : # 1 XXXX XXXX XXXX  ( {$2000.00} ) # 2 XXXX XXXX ( {$620.00} ) # 3 XXXX XXXX ( {$170.00} ) I have never done business with these companies.

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 2020-07-24 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: GA

Complaint narrative:
I have tried multiple times to dispute inaccurate information on my experian, XXXX and XXXX credit report.I have ask both companies to send me any documents with my original signature, or proof that shows that this is my account. This inaccurate account is hindering me from getting my career started. I have never filed for bankruptcy. 

All three bureaus are reporting that I filed for bankruptcy. Please delete this 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 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX XXXX and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and 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 2020-07-24 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: GA

Complaint narrative:
I have tried multiple times to dispute inaccurate information on my XXXX, XXXX, and transunion credit report.I have ask both companies to send me any documents with my original signature, or proof that shows that this is my account. This inaccurate account is hindering me from getting my career started. I have never filed for bankruptcy. 

All three bureaus are reporting that I filed for bankruptcy. Please delete this 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 2020-07-24 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: GA

Complaint narrative:
I have tried multiple times to dispute inaccurate information on my XXXX, equifax, and XXXX credit report.I have ask both companies to send me any documents with my original signature, or proof that shows that this is my account. This inaccurate account is hindering me from getting my career started. I have never filed for bankruptcy. 

All three bureaus are reporting that I filed for bankruptcy. Please delete this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I spoke with Mr. XXXX from Consumer Portfolio Services on his direct line at XXXX in regards to my loan and struggling to pay it due to financial hardships with COVID-19. After bringing it current in XXXX with almost {$2000.00} worth of payments that drained my 401k, this company refused to offer any assistance above and beyond the 1 month extension that is available every six months on their loans. I called in XXXX to request a voluntary surrender - and reached a manager that refused my request and changed my due date instead as thats the most they could offer to assist to keep my account current. When speaking with Mr. XXXX and him continuing to reiterate that their company had no other options to assist me with my payments - I requested a voluntary surrender. He agreed and advised he would expedite the order. I requested that he have the repossession company call me before coming to secure the unit and if the call did not go through for the agent to text me - neither happened. In fact, on XX/XX/XXXX I looked outside to find the unit was gone with no contact attempts made to me. I reached to Mr. XXXX - he never called back. Upon contact with XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX FL, they advised that the voluntary surrender order was sent over as a do not contact customer. Which is 100 % opposite of the discussion had with Mr. XXXX on XX/XX/XXXX at XXXX eastern time in a 16 minute conversation that was had. This was a wrongful repossession in my eyes. I had even discussed how I could go about simply surrendering my car to an auction directly - but that was essentially shrugged off. All I wanted was to avoid additional fees and costs added to my loan balance from a repossession company getting involved. That was obviously not cared about in the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-07-24 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/XXXX I set a prepayment with XXXX XXXX  CC and I received a confirmation of the autopayment. XXXX payment schedule confirmation emails do include the amount of the payment. 

XX/XX/XXXX I received an email confirming payment has been received. 

XX/XX/XXXX, my bank informs me there were two attempted transactions that exceed the balance of my checking account, remit on XX/XX/XXXX and XX/XX/XXXX. I determine that XXXX was processing a payment for the entire balance of the card. It was never my intention of paying the full amount. I log into XXXX website on XX/XX/XXXX and submit a one-time payment to above the minimum payment due. I note there is no autopayment set for any amount. 

XX/XX/XXXX I receive written notice from XXXX  via USPS that there was a insufficient payment on a XXXX payment attempt and that there will be a second attempt on XX/XX/XXXX XX/XX/XXXX I receive written notice from XXXX via USPS that there was a insufficient payment attempt on XXXX and I will be assessed a {$50.00} insufficient fund fee. 

XX/XX/XXXX I receive written notice from XXXX via USPS my credit limit has been reduced due to insufficient payment and my credit line has been reduced XX/XX/XXXX I called XXXX customer service explain I never intended to pay the entire balance on XXXX, and I would have adjusted the payment amount had their email confirmation alerted me to a payment problem instead of communicating the a successful payment. Customer service declined to respond to concern of misleading communication and explained they could not remove the fee nor remove the adverse impact on my credit report. Customer service explained I could only resolve the adverser credit reporting and reverse they fees through written dispute directed to FCRA. I replied this response was insufficient as this conflict would have been resolved had electronic communication been not been misleading and I had been setup to fail by a lack of transparency. 

I requested assistance in paying the full amount over the phone and closing my account. Customer Service acknowledged my ask and assisted me in setting up an one-time payment for the full balance of the card and closing the account. 

I noted in the final one-time balance, the dollar amount was clearly listed.

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 2020-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
The Date was XX/XX/2019 XXXX XXXX XXXX XXXX in XXXX XXXX Ca XXXX was it was a {$400.00} dispute and the company was not suppose to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DE

Complaint narrative:
This is about PNC Bank .. Mobile /online banking. I can not link my bank account to any sory of appl.., other accounts or program using XXXX  for transfers or deposits. It tells me that my bank ( PNC ) has blocked these types of linking fpr accounts.

Company response to consumer: Closed with explanation