vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-31 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: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that they have notified all Three Credit reporting Bureaus to remove any account listed on the attached letter. I filed a case with the CFPB dated XX/XX/XXXX and XXXX XXXX XXXX stated that they notified the all three credit bureaus a month ago. The case number for reference is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have a past XXXX bill that was OPENED in XXXX ... NOT XXXX the creditors are stating it was opened in XXXX of XXXX WHICH IT WAS NOT.. I been disputing to get them to update my credit report am XXXX XXXX I have XXXX XXXX XXXX in both ears I can not hear on the telephone or I would call the creditors and speak to them but unfortunately I cant cus I cant hear on phone..I am on limited income SSDI am due to the Corona Virus I am supporting family members cus they were layed off till they can get a job I only get XXXX a month I cant make the payments am trying my best to get my credit back in order I just recently payed off one credit card and am trying to contact XXXX to see if I can make payment arraignments but there not responding now that I payed off the last credit card I cant afford to pay no more then XXXX dollars a month I am aware I owe but I thought I would try my best on tying to dispute this And have it removed from my credit report because they listed the wrong info about when the XXXX account was opened I have documents to prove it it was open in XXXX its an old debt That I was unable to pay due to lay-off at the time and I know now how important it is to pay you bills on time an am learning through my past mistakes am am dealing with the conquences now On trying to better my credit and Now I know how important it is to have good credit I know now you cant get no where in life with out having that..The creditors have added comments On my credit report that it will be signed over to an attorney they marked it Dergotory am trying here ok can you please look it over on trying to delete this from my credit report due to wrong dates to when the account was opened.. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
the nationawide collection inc represent XXXX XXXX the XXXX XXXX told me that they take legal action through the collection agency, they are helped a powerfull person who has money and power from XXXX XXXX XXXX people 4 men 6 women they know everything about this the collection agency threat me to take to the court within one week

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 2020-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have an account with Paypal, who decided to lock my account despite it having a valid password, and the account having been validated by phone several times. They have now fully locked my account, and say this can only be open by calling their telephone center. However, calling the center leads to a message that says due to Covid-19 they have suspended the telephone center. Meaning there is no way to resolve access to accounts with Paypal right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
As of XX/XX/XXXX, this debt was paid directly with the original creditor. I have reached out to the organization requesting assistance. I was told they could not assist me because I was not paying them directly. In fact according to the amount the company representative indicated I owe shows I have made overpayment and am due a refund. They show no payments since XXXX and were unwilling to follow up stating the company takes 120 days to report a payment, at this rate it would be years before this debt would show paid in full. 
If I am paying, why won't anyone help to satisfy what is owed, is it because DNF is not receiving any money for receiving payments from me. This is inappropriate business practices.

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 2020-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On or about XX/XX/XXXX I opened a new BB & T checking account, using a promotion offering a {$200.00} new account bonus. On XX/XX/XXXX, 2 deposits totaling {$800.00} were made to my new account, fulfilling the first step of the bonus requirements. 

On XX/XX/XXXX, a letter was sent to me, informing me that my new account was being closed immediately, and sternly warning me to not use the account for any further deposits of withdrawals. It stated that my remaining balance would be returned by check after 10 days. 

The week of XX/XX/XXXX, I contacted BB & T about having not received a check for my balance. I was informed I had to go into a branch " to sign something '' before I'd be given my money. 

It is outrageous that the bank insist I unnecessarily travel to a branch at a time our state is under an emergency stay at home order, when the branch lobbies arent even open, to collect something I was told would be sent to me 3 weeks earlier. It is now a more than a month later, and I've still received no check.

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 2020-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
XXXX account can not connect to my PNC bank account because of some changes that were made by PNC. I can not send money which is a major inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: FL

Complaint narrative:
I'm trying to make a donation with my bank account, and PNC will not authorize me to log in to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This message is for XXXX XXXX, I did receive your response on XX/XX/2020. And this is not about the previous complain filed but this is a new fresh complaint and this is regarding the bed, the previous one was for the recliner and the sofa. 

And this claim is {$1000.00}. I opened this claim on XX/XX/2020 and by now this should have been resolved. Please resolve it, otherwise I will have to go to the court regarding this and I am serious about 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 2020-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I use the XXXX app which originally was linked to my PNCaccount. XXXX has made a change to their system and now my app cant connect to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent letters to Experian, XXXX, and XXXX asking them to remove my incorrect, names, address and phone numbers. They never responded. Please remove this outdated 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 non-monetary relief
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent letters to XXXX Transunion, and XXXX  asking them to remove my incorrect, names, address and phone numbers. They never responded. Please remove this outdated 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 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent letters to XXXX, XXXX, and Equifax asking them to remove my incorrect, names, address and phone numbers. They never responded. Please remove this outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I XXXX XXXX XXXX only made one transaction on XX/XX/2020 for XXXX. It's a Fraudulent second transaction XX/XX/2020 which I XXXX XXXX XXXX didn't make for 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 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have a XXXX account and my bank PNC will not allow a link or transfers from my account to my XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 @, I attempted to withdraw {$120.00} USD from a Chase Bank ATM @ XXXX XXXX XXXX in XXXXXXXX NY XXXX. Due to a distraction on my phone, I did not retrieve the funds from the ATM in an expedient manner. The funds were pulled back into the ATM and my account was debited for the amount. 

The card I used at the ATM was my XXXX XXXX card issued by XXXX.I called the bank branch manager the following day. I was told I needed to dispute the charges with the card issuer as it was considered a problem on their end in terms of crediting my account back. I asked them to review the security footage to see that the ATM had taken the money back. They refused to honor that request. My benefits card agency instructed me to dispute the charge with the bank and the bank instructed me to dispute the charges with benefits card issuer. I have been given the run around and I desperately need those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCTXX/XX/XXXX XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XX/XX/XXXX with ACCT XX/XX/XXXX XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

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 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I was trying to link my account to my XXXX Account and PNC is not allowing this connection for whatever reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have received written correspondence from three different collections companies over the past 4 years trying to collect on a Credit Card Debt. The debt has been sold Original Debtor Listed : XXXX XXXX XXXX  XXXX XXXX 1st Collection  Company  : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 2nd Collection Company XXXX XXXX , XXXX XXXX , MO XXXX Current Collection Company Resurgent Capital Services LVNV Funding LLc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: NY

Complaint narrative:
After reviewing my most recent Transunion credit report I've notice that the following accounts are in fact inaccurate and therefore in Violation of FCRA rules section 1681. 

Account under the name : XXXX XXXX XXXX Violations ; Account does not report last date of activity, a violation of FCRA rules section 1681 Violations ; Account does not report first date of delinquentcy, a violation of FCRA rules section 1681 Violations ; Account does not report last date of activity, a violation of FCRA rules section 1681

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 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
im havent been able to link my pnc banking to my XXXX  account for bank transactions for over 6 months. pnc says they dont know why thats happening, and XXXX  told me to contact them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: KY

Complaint narrative:
On XX/XX/2020 someone fraudulently opened a account in my name with XXXX XXXX. I was told its a cable bill. Im on XXXX and live with family so I wouldnt have opened a cable account myself. I contacted the collections company to attempt to have it removed IC systems on XX/XX/XXXX and again on XX/XX/XXXX. The collection company IC Systems states that this bill belongs to me and they are going to sue me to collect a debt in the amount of {$250.00} with XXXX XXXX. This is not my account. I never opened the account. It was fraudulently opened by someone other than myself and I would like it removed from the credit bureaus 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 2020-06-01 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: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
Pulled my report from XXXX  and paid off items in collections. Most have been settled and deleted. Paid XXXX XXXX debt with phone number provided on XXXX  fico 8 credit report. Came out of my bank as a payment to diversified collections ( collection company ) asked for pay to delete when paid on the phone and it was agreed upon. Paid on XX/XX/2020, XXXX will not report as paid and continues to affect credit report despite payment and verbal agreement on monitored phone call. Dispute twice with XXXX  with no change.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All three credit bureaus, TransUnion, XXXX, and XXXX  have misreported information on my credit reports that should be removed immediately. XXXX XXXX I submitted dispute documents, drivers license, and social security card to all three bureaus to have information deleted or removed ( see attached files, also notarized ).

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 2020-06-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
All three credit bureaus, XXXX, Equifax, and XXXX  have misreported information on my credit reports that should be removed immediately. XXXX XXXX I submitted dispute documents, drivers license, and social security card to all three bureaus to have information deleted or removed ( see attached files, also notarized ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All three credit bureaus, XXXX, XXXX, and Experian have misreported information on my credit reports that should be removed immediately. XXXX XXXX I submitted dispute documents, drivers license, and social security card to all three bureaus to have information deleted or removed ( see attached files, also notarized ).

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 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
XX/XX/6000 dollars They said that they were going to let me know of a second review on releasing my funds but never called me back and I have done everything they have asked my they still havent sent the money in the mail.

Company response to consumer: Closed with explanation