vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This is now a willful violation I demand a proper investigation show me a receipt of payment For XX/XX/XXXX ..Do not use the XXXX system.. 
PNCs Account payment history is in accurate and is a reason to delete the entire account off of my credit report attached is proof that it is in accurate the inaccuracy is harming me. I have disputed this multiple times and XXXX and Pnc still can not prove the alleged payment in XXXX of XXXX I have documented proof on The creditors ( PNC )  letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by PNC Bank I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 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 Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$850.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-02 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: LAND HOME FINANCIAL SERVICES
State: MA

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

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers.

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

Company 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 2022-02-02 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: FL

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name with XXXX Bank. I am a victim of identity theft and did not open this account # XXXX. XXXX Bank is attempting to collect an alleged debt on the basis of fraud. I am not responsible for any payments for this account XXXX. I have no business with XXXX Bank and its successors. I do not have a contract with XXXX XXXXSection 611 and 609. XXXX Bank has report false, derogatory and defamatory information about me to Experian. Please provide verification of your claim, including a lawful contract ; a hand signed invoice in accordance with Bills of Exchange Act ( 1882 ) and proof of agency. I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms : that you are a third party interloper, you have no legal standing, no first-hand knowledge of this matter, your claim is fraudulent ; any damages I suffer you will be held culpable, you agree to pay all fee scheduled ; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter.FCRA 611 ( a ) [ 15 USC 1681i ( a ) ] and Section 609 ( a ) ( 1 ) ( A ). Breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or consideration was given, Fraud!

15 USC 1692 K and 15 USC 1640 Civil liability. 15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.

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 2022-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I was contacted by CREDIT CONTROL CORP in XXXX of XXXX for a medical debt originating from XXXX XXXX. I asked for copies of bills to sent to me I had moved in XXXX of XXXX and XXXX of XXXX. I updated my address with CREDIT CONTROL CORP on a phone call in XXXX. At that time, I made a good faith payment of about {$100.00} while awaiting copies of the statements. I gave the phone operator my credit card to keep on file. I never received the copies of the statements. On XX/XX/XXXX I was alerted via email from XXXX and XXXX that this account for about {$150.00} was placed in collections. I called CREDIT CONTRO CORP the same morning XXXX XXXX, XXXX and paid the balance in full. They said they had my card on file and that I had made a previous payment. When I asked why I didn't receive the statements they refused to give me an explanation. I asked for this to be removed from my credit report asap as I am going to settlement on a house on XXXX XXXX. They said they will not remove the debt collection from my credit reports. 
I feel I was not given proper notice and statements AFTER making a good faith payment in late XXXX of XXXX for about half of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IA

Complaint narrative:
I have a mortgage with Amerihome mortgage. We bought our home in XXXX of XXXX. We have made every payment online since then every month to Amerihome through our online account with them. On about XXXX i received a phone call from their debt collection department asking how we can bring our mortgage current as they have not received one payment. I asked how that can be because I have made every payment online and had never received a phone call a letter nor an email that we have ever even missed a payment. Told the representative that i can gather my bank statements and would send those to them. That was the day before XXXX so they were closed until after the holiday weekend. I called first thing the next week spoke to a gentlemen received an address of where to mail which was Amerhome Mortgage XXXX XXXX XXXX XXXX XXXX Tx XXXX and an email account where i mailed my bank statemts as well as emailed and he said allow about a week and to check back. About a week and half later i received my bank statements back from the mailing address with a sticky note from XXXX XXXX XXXX. attorney that said please send this to your lender that they could not find my account. I immediately called them back said thye had no idea what that was about and saw my emial with my bank statements and would work on finding where my payments had been applied. I have had several phone calls with them each one not finding where any of my payments are. During this back and forth it has now been sent to their attorneys XXXX XXXX XXXX and i have called and left messages and sent a message via their website and no response. Have talked to Amerihome customer service and all they say is they can see the notes but I need to talk to XXXX XXXX XXXX but XXXX XXXX XXXX doesnt answer phone or return calls. Now I am in foreclosure when I have never missed one month of payments. At this point I do not know what to do. I will attach my bank statemnts showing every payment I have made through XX/XX/XXXX. XXXX payment XXXX was also made online and XXXX was made on phone with them and they can not even find that payment. Thank you any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: IL

Complaint narrative:
The accounts listed below are in accurate. I did not consent or authorize anyone to benefit from my credit. This is a violation of my consumer right. 

Account 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 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
Thank you for taking the time to look at my case. 

Company : Revolut, amount {$20.00}. Date XXXX XXXX, 2021. 

The case is regarding Revolut, a virtual debit car wallet with a physical card too. I recently opened my account with them ( back in XX/XX/2021 ). On XXXX XXXX, 2021, I was attempting to pay a friend using XXXX, so Revolut came out and I knew I had money on it, so decided to pay using it. The transaction was declined by XXXX because I had {$20.00} on Revolut and the amount I needed to pay was a bit higher. However, Revolut kept the {$20.00} they charged me ( although their rules say do not charge for declined transactions ). I contacted their customer service several times and each time they give me a different answer. First time I contacted their customer service they told me that my card was compromised and they issued me a new card number. Second time, the agent told me that I had spent that money myself with an authorized charge, which is not true. And when I tried to file a chargeback, they denied it to me saying the charge was authorized. However, XXXX XXXX did not take the money, and the history of charges show Revolut as the merchant ( attachment no. 1 ), so Revolut took my money without being authorized and without any services bought. I repeatedly asked what is the charge for, and they have no answer to me. As you can see in the attachment ( no. 2 ), I filed a complaint with them, they responded on XX/XX/XXXX again denied me a refund, still with no explanation of who took my money and what they did charge me for which you can see in the letter. 

Thank you for your consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$4900.00} XXXX XXXXXXXX {$1200.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2022 my Bitcoin and Etherum investment were stolen form Coinbase a. My username and password were compromised. 
I am writing to you because Coinbase had a major security breach that they refuse to acknowledge. They let a hacker access my account from Wisconsin, totally different IP address. They failed to authenticate his identity with XXXX authentication that is linked to my cell phone. This authentication gives a six digit code every few minutes that you have to insert at log in. Coinbase did not send me any email about the actions taken place in my account. These two security measures are in place to protect the end user, but Coinbase had a major security breach in enforcing it. They refuse to acknowledge that they failed with this protection. They refuse to activate their up to 250,000 dollars fraud protection. 
I know that this investment entity is relatively new, but it is a reputable and suppose to be a secure company. I know that there are other victims out there. 
We plead for help to recover our investment. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NC

Complaint narrative:
I am a victim of identify theft. I had filed a complaint to Experian on XX/XX/2021 through a certified mail with the tracking number, XXXX. Thirty days have passed already but I have not received any response from Experian. According to Federal Credit Law spelled out in the Fair Credit Reporting Act ( FCRA ), a Credit Bureau is required to respond to you and complete their investigation within thirty days. If they do not report within the timeframe, they must remove the negative listings disputed.

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: AR

Complaint narrative:
On XX/XX/2021 there was four inquiry on my credit report from the companies listed : Flagship Credit acceptance, XXXX XXXX auto finance ( finance ), XXXX XXXX ( finance ), XXXX XXXXXXXX XXXX that i do not recognize. I have dispute them with the companies and also XXXX, XXXX, and XXXX has verified and remove the inquiries from credit report but XXXX and XXXX will not remove them. Even though i have put a fraud alert on all 3 accounts.

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 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$4900.00} XXXX  XXXX {$1200.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: IL

Complaint narrative:
Ive sent numerous notices to this consumer reporting agency regarding inaccurate reporting on my credit file. There are numerous dates that dont match across all 3 credit reporting agencies, numerous balances that dont match, and even numerous account numbers that dont match. Ive reported this information and their system only comes back to be verified. I have never received any type of investigation report, nor how the information has been deemed accurate. These items shall be deleted from my consumer file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown thing on my credit report. on this day over 60days later i have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigates these items within 30 days given reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has cause my family. furthermore my information was impacted by the XXXX XXXX XXXX which may have resulted my information to be in the hands of the wrong person.

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 2022-02-02 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: WELLS FARGO & COMPANY
State: MA

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

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

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

Company 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