vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 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: TX

Complaint narrative:
On XX/XX/XXXX, I wrote a dispute letter to TransUnion & XXXX  & XXXX   credit bureau, asking for verification of a XXXX XXXX account thats being reported on my TransUnion & XXXX  credit report per 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. ( Verification Letter Attached ) The verification letter was sent certified mail and was received on XX/XX/XXXX by TransUnion & XXXX. ( Delivery certification letter confirmation attacked ). 
On XX/XX/XXXX I received a letter stating that TransUnion & XXXX   investigation was complete. After reviewing the report, TransUnion & XXXX stated that Outcome : Remains. This item was not changed as a result of our processing of your dispute. ( TransUnion report page 1 and 2 attached ) After reviewing my report, I did my own investigation and placed a call to XXXX XXXX to see if they had any information on me for this account. On XX/XX/XXXX I placed a call to XXXX around XXXX XXXX  and spoke with a representative name XXXX ( AKA XXXX no employee number was given. He indicated that they have no information on this account, because they sold it to a third party on XX/XX/XXXX. 

After placing the call to XXXX XXXX, I knew that TransUnion & XXXX  was in clear violation of the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. 
I am very concerned about the validity and accuracy of TransUnion & XXXX  investigation, as this inaccurate item remains on my credit report, which is a clear violation of the FCRA. 
If TransUnion & XXXX  had investigated properly, rather than using a e-Oscar system, they would have known, that this account does not exist per XXXX XXXX, but TransUnion & XXXX  claims to have verified this account was accurate. 

It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form through the e-Oscar system that does not even contain the reasons for my dispute is not reasonable.

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 2020-06-04 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: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
XXXX  resolved a mistaken dispute that was verified as accurate by both myself and the lender, Dovenmuehle. Now that account is reporting, it's missing information. Such as loan balance, and payment history. Please update missing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: AL

Complaint narrative:
XX/XX/2020-XX/XX/2020 My bank continued to change transaction dates on my online banking. This app particular does not allow screenshots to be taken for proof. But they change dates of transaction to make it appear that there is no money in my account when there is supposed to be money that covers every transaction and then charges {$36.00} overdraft fees on those items.As well as changing the type of deposits made into something that appears to be a simple credit to only withdraw the money at a later date to cause more overdraft fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: TX

Complaint narrative:
I received a letter from the data furnished stating my social that was given to them shows no record of having an account and experian is in violation next is filing a law suit because they reporting a false account on my credit

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 2020-06-04 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: AZ

Complaint narrative:
In early XXXX, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a 'suicide ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX  XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the  companies ( XXXX and XXXX XXXX ) have refused to even contact the police officer assigned to the case. XXXX  XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. 

XXXX was communicative with us up until recently. Last month, they asked us to mail and fax them a copy of the police report from the police station we filed it at. We mailed AND faxed them a copy. We called a few days later to confirm, but nobody could tell us anything. We checked in again, and now they are telling us that they never received it and they require us to go to the police, have the officer call them, and submit the report even though just a month ago they said otherwise. Moreover, XXXX refuses to give us a copy of the transaction history. I have no way to access the transaction history of the card because I don't know any of the login information. I can not dispute the payments made on the card because they won't give me a copy. 

XXXX has led us back and forth on this fraud claim even when we have tried to be diligent in our response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion Credit Reporting Bureau received my request for re-investigation of disputed information on XX/XX/2020 as provide by certified receipt. TransUnion failed to conduct a re investigation of my dispute and they failed to notify me of their decision to terminate a re-investigation ( if such a decision was made ) pursuant to Civil Code 1785.16. 

Upon my request for re-investigation of the disputed information pursuant to my letter to TransUnion dated XX/XX/2020, consumer law requires that they re-investigate and record the current status of the disputed information before the end of the 30th business day period beginning on the date they received such notice of the disputed item from me.

Since the end of the 30-business-day period has elapsed on XX/XX/2020, TransUnion must delete the inaccurate information immediately pursuant to Civil Code 1785.16 ( b ). Despite that I again notified TransUnion of the problem on XX/XX/2020, TransUnion continues to ignore my requests as if their modus operandi is to make it as difficult as possible to the consumer to remove inaccurate information. To date, TransUnion continues to report the inaccurate information on my consumer credit report from 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 2020-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DFC Global Corp.
State: CA

Complaint narrative:
Company called repeatedly and then started contacting my family members saying I had a serious case about to be filed in court. I eventually spoke to them and agreed to give them payments using my debit card which was my silly mistake. I changed my banking information so they could not receive any more payments so they have started the harassing phone calls again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
Stimulus debit card. WHY did the government do the debit card? How much is this costing to use this service? WHY do I have to pay to get my money from this card? WHY do other people get a check? This is not constitutional we are not being treated equal. I'm going to pay {$10.00} to get cash. I will have to make 3 trips to the bank because you can only take out {$1000.00} out at a time and since they were stupid enough to put my husbands name on he has to go to the bank 3 times with me to do anything with this XXXX card. I get social security and so does my husband why did we NOT get a CHECK. ( direct  deposited ) They said we would receive a check, whey in midstream do they change to cards? I want to go to the bank and get my money, just like the people that got checks. I don't want rules and hoops to jump threw to receive my money on their terms. WHO is related to someone at this business? Who is benefiting from this transaction at the other end of my information that they have released to them. I never gave permission to them to give out my information. They think this is safer, are they crazy now someone else has our information. HACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I called Capital One to see why my applications were getting denied. They couldn't figure it out either. So they found a rogue credit card being used on my account or name. But I told them that couldn't be because I no longer have an account with them I have been locked up since XXXX. So there is no way that could have happened. They keep insisting that it was an account I had. I was definitely a victim of Fraud, I have trying figure this out since I got out of prison. I got out of prison XX/XX/XXXX. This card was open before my release date so obviously I did not make this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal has received refunds from XXXX for the returns I have made, and refuses to send the refunds to my XXXX XXXX XXXX XXXX MasterCard which I used to pay for my purchases from XXXX through PayPal. Instead, PayPal has put the three refunds for the total amount of {$210.00} into their bogus " Balance '' account and is trying to force me to take one of their debit cards with that amount on it as my only option to access my refunds. It is my money, but PayPal is sitting on it and is dictating how I should use those refunds. PayPal offers no option to request a transfer of that bogus " Balance '' back to my credit card which they should have done in the first place according to their own stated policy.

Today I wasted over 4 hours online on their Chat board trying to fix this issue, but they kept changing their agents every few minutes and kept giving bogus arguments as to why the refunds belong to PayPal and not me -- they repeatedly said the funds used to pay for the purchases came from the Balance account and not my credit card, which is totally false. Even if they came from " Balance '' account, what was the source of the funds in the " Balance '' in the first place if not from my previous transactions with my credit cards? This is the question they refused to answer every time and the  agents kept disappearing instead of answering this simple question. I have used this new credit card 13 times over the last two months to make purchase from XXXX through PayPal, and XXXX has processed 24 transactions for these purchases ( XXXX breaks purchases into separate shipments and charges my card for individual shipments on their own ) and the total of their charges on my card is {$2400.00} which exactly matches the total sum of my orders, indicating that every single XXXX for these purchases came from my credit card -- not a single XXXX came from PayPal 's bogus " Balance '' account. This is just a big new scam by PayPal. 

It is worth mentioning that I have no other financial relationship with PayPal -- I have no PayPal debit or credit cards, nor had I had any in the past. Every single transaction I have had with PayPal since PayPal was created has been through my own credit cards and bank accounts. Moreover, I have had many refunds from XXXX through PayPal in recent times, but now PayPal has started to play games with my refunds.

I would attach four photos I have taken of the PayPal webpage to document the refund transactions in dispute.

The attached photos indicate the date, amount and the transaction IDs for the refunds and what PayPal did with those refunds. PayPal should have no problem in identifying my account and spotting these transactions. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the TXXXX XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX balance due indicated. 

My XXXX  XXXX XXXX account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from XXXX  XXXX XXXX. It is being reported that my account is 120+ days late in XXXX ( XXXX  ), after the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by Transunion, XXXX  & XXXX  that my account is 120+ days late in XX/XX/XXXX. The XXXX  status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt XXXX w/SSN ) XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX XXXX ( prompt XXXX w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt XXXX w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my Transunion, XXXX  & XXXX  ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, XX/XX/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 2020-06-04 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: CA

Complaint narrative:
After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the XXXX XXXX XXXX XXXXXXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX balance due indicated. 

My XXXX  XXXX XXXX account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from XXXX XXXX XXXX. It is being reported that my account is 120+ days late in XXXX ( Equifax ), after the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by XXXX, XXXX  & Equifax that my account is 120+ days late in XX/XX/XXXX. The Equifax status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX  XXXX XXXX ( XXXX ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt 0 w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my XXXX, XXXX  & Equifax ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the XXXX XXXX XXXX XXXXXXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX balance due indicated. 

My XXXX  XXXX XXXX account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from XXXX  XXXX XXXX. It is being reported that my account is 120+ days late in XXXX ( XXXX ), after the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by XXXX, Experian XXXX XXXX  that my account is 120+ days late in XX/XX/XXXX. The XXXX  status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) XXXX  XXXX Loan XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt 0 w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my XXXX, Experian & XXXX  ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, XX/XX/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 2020-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a credit card from BANK OF AMERICA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and BANK OF AMERICA with no successful resolution. XXXX, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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