vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax and XXXX stated that I have been late on a payment in XXXX with my XXXX XXXX. XXXX XXXX has send me a letter stating that I have never been late. So I don't understand why I have a late payment on my account, which is bring down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Receivables Performance Management, LLC
State: OH

Complaint narrative:
Hello, I recently checked my credit report and it inaccurately displays information regardiing my XXXX account that is with Receivables Performance Management. I settled an agreed upon amount of {$1500.00} with the company to close out my account and report my account as settled. 

I checked my report today XX/XX/2020 & the information still shows the full amount & it was not updated. I have the documents from the company and the agreement that certifies this 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 2020-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I wrote a certified letter to portfolio Recovery to validate a debt. Instead of them validating the debt. They sent me a detail payment plan for a debt that hasn't been validated. It has been over 30days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several accounts reporting that does not belong to me : XXXX   - Date Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX & Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am trying to link my checking account with PNC to a website but got the message below : PNC has made a change that prevents you from being able to link your accounts. 

I should be able to utilize my account in anyway I choose. Unfortunately, this problem prevented me from taking advantage of a great opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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 — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Back in XXXX to XXXX I had adverse financial difficulties and I was not able to pay off my obligation to two debts those debts were adquired by another and anothe and posibly another company that bought those debs Now I need to refinance a car I purchased and they pay no attention to how I have been paying my debts for the pass 5 years instead they look only to those unpaid debts of years pass I believe that's an unfair practice that this financial institutions look at 8 years pass and not at how a person is financially performing at present and in the pass 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 i checked my credit report and found a collection agency trying to collect a debt that i have no knowledge of I C system is trying to collect over XXXX $ that i do not owe them i dont know who this company is nor have i signed any agreement or contract with them nor any of there affiliates

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 2020-08-07 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: FL

Complaint narrative:
XXXX XXXX erroneously reported a 30 day late to my credit report for a business credit card that was in forbearance because of a hardship occurred during the COVID-19 Pandemic shutdown. I spoke to someone at XXXX  XXXX and they assured me that the erroneous mark would be taken off when I write the credit report department and provide that department with a copy of report that has the error circled. Well I did just that and now XXXX XXXX has a different story of the mark being there. No investigation, it didnt matter if account was in forbearance and sorry that they know how important my credit is. When the pandemic first happened the FCRA gave guidelines as to how and when furnishers should report. XXXX XXXX is not recognizing accounts in forbearance. They did not investigate what was said to me on the phone as well. They sent me a 1 page letter with a brief message. The person I spoke to knew my Mother died alone with no one there. They knew the business had a hardship and when it got to XXXX XXXX credit department nothing mattered.

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 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a checking account with Citibank I went through their prompt submitting the information they wanted they asked for more information I submitted that information as well at this point I was awaiting their approval to start using the account and up on calling them checking on the status of my account opening I was told that my account opening was closed I dont see a reason why they wouldve done this to me Its extremely frustrated and I feel embarrassed and violated for their way of treating people when Im just trying to get a checking account to manage my financials in times like these

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 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
COVID 19 cut my extra income down and had problem with overdraft and forgiveness stopped have since been able to maintain budget and working on savings to get back to pay off but still some gaps that having a couple extra dollars will help to close

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: VA

Complaint narrative:
XXXX XXXX XXXX is listed on my credit report for XXXX dollars XXXX couldn't explain the bill I spoke with reps and supervisors I disputed the bill with XXXX I never received a bill from XXXX I found out about bill when I found out by credit alert trans union has bill on my credit report without proof I owe because there is no proof trans union didn't remove from my credit bureau also medical bills which I never received a bill XXXX had the account with a credit agency

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 2020-08-07 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Back in XXXX to XXXX I had adverse financial difficulties and I was not able to pay off my obligation to two debts those debts were adquired by another and anothe and posibly another company that bought those debs Now I need to refinance a car I purchased and they pay no attention to how I have been paying my debts for the pass 5 years instead they look only to those unpaid debts of years pass I believe that's an unfair practice that this financial institutions look at 8 years pass and not at how a person is financially performing at present and in the pass 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 i checked my credit report and found professional debt me is trying to collect a debt that i have no knowledge of i dont know this company nor have i signed any contract nor entered and deals with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: NY

Complaint narrative:
I claimed chapter XXXX bankruptcy in XXXX of XXXX and has been discharged already, and still says open on credit report. Also XXXX credit report shouldnt it fall off after 5 years for a chapter 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 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I booked a stay on XXXX XXXX for the dates XX/XX/XXXX to XX/XX/XXXX. I wasn't able to get into the suite booked due to some garage key error and that's the only way to get in. My husband and I sat outside a one way narrow garage until someone could let us into the building. I reached out to the host regarding this and requested a new room with a new key. We got the new room and the new key and the same thing happened. We would left the condo sparingly because we knew it wouldn't work. On the second key the host become unresponsive. Frustrated with fighting with the building security to prove we brought a stay here with XXXX XXXX and not being able to have access to a condo we paid for we had to leave. I contacted my bank USAA to place a dispute but after providing proof of the booked stay and a cancellation notice I got a generic response that XXXX XXXX can't refund a cancellation. This was ridiculous, the cancellation ( I was told by the host ) needed to happen so we can change condos. I never not showed up and expected to get refunded, I showed up and literally didn't have access to a stay I paid for and paid for room change and didn't have access to either. I got royally XXXX  here. I've attached the proof sent to USAA. Also during the dispute XXXX XXXX sends me a message telling me I could get my account with them cancelled for trying to dispute ... retaliation much! I've used this company before and this was my first very big issue and deeply disturbing. The first amount paid from my account was {$370.00} on XX/XX/20 the second was {$79.00} on XX/XX/20. The on XX/XX/20 I get the automated response from my bank telling me my dispute was denied and it wasn't based on the reason provided. No one looked at this. This was absolutely unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TN

Complaint narrative:
The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over 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 2020-08-07 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-08-07 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: TN

Complaint narrative:
The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over 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 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
on the above date we booked a round trip flight from XXXX to XXXX leaving XX/XX/20 and arriving back to XXXX on XX/XX/20 -XXXX XXXX record locator XXXX. All fees associated with flight have been returned except for this {$80.00} Booking fee. To be sure XXXX XXXX cancelled this flight and in numerous conversations they claim that the {$80.00} Customer Service fee is non refundable! When we discovered in XX/XX/20 that XXXX had cancelled the flight we requested all funds back. As we initially received nothing we did a detailed dispute with Barclays ( Bank ) and we rcv 'd most of our expenses back but not the {$80.00} fee for XXXX Booking Fee for  this flight. 
My complaint is against Barclays Credit Card-acct ending in -omitted but available ( XXXX XXXX Master Card  ). As evidenced in the attached documents this Barclays credit card has failed to consider our claim of theft of services by XXXX XXXX. In their two rejection letters of XX/XX/20 and XX/XX/20 they cite frivolous and non relevant justifications : a computer chip and a need to " ... dispute closer to the receipt date ''?????? makes no sense the plane was due to leave in a few weeks. what are they talking about?? 
Barclays customer service was polite but abusive e.g., e mails - directing us to call disputes at Barclays to disabled phone numbers. Although polite they demonstrated no insight or objective review of claims by the Airline that they ( XXXX and Barclays ) were entitled to payment on a flight they booked AND CANCELLED solely by XXXX. To be clear all calls to Barclays disputes ended with a computerized hang up-they have been a nightmare. That is the staff at Barclays-Disputes-failed to protect us from fraudulent billing by XXXX XXXX -theft of services.

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 2020-08-07 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: AFNI INC.
State: LA

Complaint narrative:
I have a loan with AFNI ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX ). 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 XXXX, XXXX, XXXX, AFNI ( Original Creditor : XXXXXXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
CHRYSLER In XX/XX/2020 Chrysler offered Covid payment deferment, however, failed to mention it could take 45 days and they would report you to the credit companies for late payment if any payments we paid late even with APPROVAL of deferment. Our account was current, filed for deferment, we were told it was placed on our account as approved, and then next month was informed on our credit monitoring that the payments went in our credit as LATE PAYMENT, hurting our credit scores tremendously. 
Since then I have written two letters to the resolution department for Chrysler, I have been informed there is apparently no other way to contact them, no phone number just a PO BOX . And have yet to get this situation resolved. 
Not only do they have a terrible customer service layout for settling this type of issue but the representatives do not give full or accurate information on your account or details on what their " programs '' entail. 
This remark on our credit is inaccurate and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I need with a loan I have a bank account n can back in payment looking for a couple hundred to help me pay my note due to COVID-19. Let me know if u can help out n I will appreciate it if u can.. n thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-08-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I sent an ACH transfer for XXXX $ from Bank of America to XXXX XXXX for closing costs of an escrow payment. XXXX XXXX says they do not accept ACH transfers, only wire transfers and state that the funds were rejected and returned. Bank on America was contacted on XX/XX/2020 and stated that funds would be returned in 3-5 business days, as long as they were rejected by XXXX XXXX. After waiting 3-5 business days, the funds were not returned and Bank of America opened a claim. XXXX XXXX was contacted and never returned our calls nor when Bank or America reached out to them. We contacted our escrow officer who states that XXXX XXXX has trace numbers showing the ACH transfer was rejected. Bank of America says they don't see any proof that the funds were rejected or returned. After 45 days, Bank of America says the claim is closed and they are no longer able to help us and that we should contact a lawyer. XXXX XXXX says " they verified with FIS back in late XXXX that the return was processed and sent to the FED on XX/XX/2020 which is when the trace number was issued and if Bank of America is claiming they have not received the credit, they will have to reach out to the FED and ask for assistance '' " Our central ops representative also replied on XX/XX/2020 to a fax sent by XXXX XXXX from BofA ACH recall/acceptions regarding this return and have not heard back from them. In my response we provided XXXX with the timeline of the transaction and the trace number. '' We called BofA claims department on XX/XX/2020 with this information and they state they have not received any information at all from XXXX XXXX and they do not know who XXXX XXXX is or where the information was sent.

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