vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-26 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: IL

Complaint narrative:
I have contacted TransUnion many times and explained that the accounts that they are reporting under my name a fraud accounts. I have sent all the requested documents & they continue to report the accounts that do not belong to me. I am requesting again for the fourth time to please delete and block the accounts that you are reporting for several Accounts from the Dep of Ed/XXXX. I am asking again to please delete & block this information. I have been sending the request for these accounts to be deleted since XX/XX/2019 and nothing has been done just a computer generated response. Please delete these 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 2020-07-26 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: TX

Complaint narrative:
FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ALLY FINCL {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: TX

Complaint narrative:
FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ALLY FINCL {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Cash app has continued to fall short of providing any type of resolution to my problem. For over a year, I used a single account with cash app. One that I even have the account and routing number that cash app provided me with at the time. This account was compromised and I can no longer access this account. Since then there have been multiple transactions from online vendors that were refunded successfully ( verified with multiple vendors ) more than several attempts to contact a live agent at cash app. Ive reached out to XXXX XXXX XXXX and square and they all advise me to contact cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: NY

Complaint narrative:
Information on my credit report is not correct. I do not recognize this information. This is identity theft and I need it to please be removed from my credit as soon as posible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: NY

Complaint narrative:
Information on my credit report is not correct. I do not recognize this information. This is identity theft and I need it to please be removed from my credit as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I would like to connect my PNC debit account to XXXX and it no longer allows for the interoperability for consumers to do so, likely as a move for PNC to reduce competition. I would like to link my account to XXXX. Please voice this concern of PNC customers to the company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a loan with Jpmcb Card. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Jpmcb Card with no successful resolution. XXXX only reporting me late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a loan with Citi/Cbna. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Citi/Cbna with no successful resolution. XXXX only reporting me 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 explanation
Consumer complaint received 2020-07-26 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: NJ

Complaint narrative:
There are inaccurate accounts and personal info on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am a victim of identity theft. Someone opened a synchrony bank/JCPenney charge card with a high balance of {$740.00} using my personal information without my consent. The charge card was opened XX/XX/2015. The status was closed but it had a written off of {$740.00}. I submitted the necessary documents to Synchrony bank/JCPenney such as police report, my ID, statement that this charge card is a fraud and I was not the one, who opened it. 
The result of my dispute with the company was that I am authorized and benefited from the purchase. Again, this charge card is a fraud. 
Attached are my documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: NJ

Complaint narrative:
There are inaccurate personal info and accounts on why credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Im trying to get a payday loan so i can make it to work until i get paid this coming Friday. I have direct deposit set up with in my pnc checking account. I have only received one paycheck in the amount of approximately 500 dollars since I went back to work XX/XX/XXXX. I cant get the loan because I cant attach my pnc account to this app, XXXX, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Cashier 's check scam/fraud through XXXX ; no assistance from Bank of America. 

I posted an item on XXXX for sale. An individual XXXX XXXX XXXX, XXXX ) contacted me, saying he wanted to purchase the item for his daughter. He said he was in the hospital, so would send me a cashier 's check for the cost of the item, plus additional for movers to pick up the item. My item was selling for {$1200.00}. 

" XXXX XXXX '' sent me a cashier 's check for {$2500.00} ( USPS tracking number XXXX ). Return address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, NY XXXX. The check was drawn from XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX. XXXX : XXXX XXXX. Numbers on the bottom of the check : XXXX XXXX XXXX. 

I received the check on XX/XX/19, and immediately deposited it into my Bank of America checking account. After I received notice from Bank of America that the check cleared, I then transferred, through XXXX, {$1200.00} to XXXX XXXX, XXXX XXXX. 

After I transferred money through XXXX, Bank of America notified me that the cashier 's check did not clear. This meant I was immediately out {$1200.00} through the scam. 

I immediately contacted Bank of America by phone. After hours on holding and reciting the story to several individuals, BofA told me that they started a fraud claim. Ultimately, I received a letter from BofA saying there was nothing they could do to help me because I approved the XXXX transfer. 

Adding insult to injury, BofA charged me a returned check fee of {$12.00}.

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
Consumer complaint received 2020-07-26 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: NC

Complaint narrative:
There are some inaccurate accounts and other info on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: NJ

Complaint narrative:
My credit report has inaccurate accounts and personal info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unifin Inc.
State: NJ

Complaint narrative:
Company has sent a letter in the mail about collecting {$950.00} from unknown debtor. No further details have been supplied in the undated by UNIFIN, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: OH

Complaint narrative:
I tried to make a payment online for a rental application but was unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
On XX/XX/2016, I signed a lease for an apartment, which included a {$170.00} bond agreement in lieu of a security deposit, which was paid to XXXX that same day by cashiers check. 

From XX/XX/2016 through XX/XX/2016, I was receiving monthly bills form XXXX demanding an additional {$1000.00}, despite my signed agreement stating that the total premium was to XXXX {$170.00}. I spoke with my landlord about thjis, and I was told to ignore the bills. 

I was recently informed that the {$1000.00} debt is showing up on my credit report, and I requested a validation of the debt from Fair Collections and Outsourcing, the company reporting the alleged debt. The black-and-white copy of the contract they sent back has significant alterations compared to the original that is still in my possession. Specifically, my original copy, which is signed in blue ink, shows that the total premium due was " XXXX ''. However, the low-quality black-and-white copy the debt collector sent back shows a total premium due of " {$1.00} XXXX ''. The bond coverage amount is adjust as well. Instead of reading " XXXX '', it now reads " {$1.00} XXXX ''. 

The omission/inclusion of the dollar signs and spaces in the above quoted numbers are not random, they are an exact reflection of the differences between my original contract and the copy provided by Fair Collections and Outsourcing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
M & T Bank XXXX XXXX XXXX XXXX MD XXXX I have Home Equity ( HE ) Line of Credit with M & T Bank, we have been paying regularly and never been late. In XXXX we received a call from M & T bank that due to COVID 19 hardship we can have 3 months payment suspension and bank will not report it late. They deferred the XXXX payment but in the month of XXXX, they took out XXXX payment {$450.00} on XX/XX/XXXX2020 from my M & T checking account made me negative balance in my M & T check account. On XXXX XXXX  I was charged XXXX as over draft fee and my total negative balance become - {$310.00}. I called the bank, after the long hold and transferring me to few departments in HE they told me it is M & T HE department fault and they will reverse the XXXX amount soon. As of today XX/XX/XXXX20 ( after 15 days ), I am still in negative balance of - {$110.00}, as last week my direct deposit of {$200.00} came in. M & T is keep on charging me {$38.00} of over draft fee. From XX/XX/XXXX I have been calling M & T every other day, On XX/XX/XXXX, they filed a complain ( # XXXX XXXX name XXXX ), upon my request. I have spoken to M & T representative ( s ) : -XXXX  XXXX -XXXX  XXXX and XXXXXXXX XXXX . Some the customer service representatives were very rude and unprofessional. My checking account and HE are in M & T bank but I am surprise no one knows there how to reverse and fix the issues. 
I am very disappointed with M & T Bank as I have to spend almost 2 hours to get hold and talk to M & T customer server rep. every other day starting from XX/XX/XXXX. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I explained to navient that the student loan in which they're saying I owe money on is no way my student loan I was XXXX  since 1995 along was taken out during my XXXX  it is not my fault they gave this child alone and on with it saying I was responsible for the law says a person XXXX  can not obtain any loan I've explained this to navient over and over again I've set them letter stating that I was XXXX  at the time in which this long was taken out but they will not remove this loan from my credit and it's hurting me and my family now after doing 20 years in the penitentiary and I'm trying to buy a home and it's hurting me I need some help with this I need somebody to get in touch with me and help fix this matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: MoneyLion Inc.
State: SC

Complaint narrative:
Moneylion incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of Moneylion, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, money lion has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: CA

Complaint narrative:
At the end of XXXX, I opened a SoFi bank account with a {$75.00} welcome member bonus. I had to " download the all-in-one app, set up direct deposit, and BOOM, get another {$75.00}. '' I downloaded the app and set up direct deposit. My company direct deposited {$500.00} on XX/XX/XXXX. Two months later, I still had not received the welcome member bonus. On XX/XX/XXXX, I contacted SoFi to request the bonus. In one day, BOOM, XXXX responded that I had not qualified because their offer " requires two direct deposits. '' However, the offer attached for the welcoming member bonus specifically states to " set up direct deposit. '' There is no language as to depositing one, two, or three deposits. I downloaded the all-in-one app and set up direct deposit. SoFi states that they sent out a mysterious e-mail requiring two direct deposits. I never received any such e-mail and fulfilled the welcome member bonus conditions that were given in the original contract/webpage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several items reporting on my credit file that does not belong to me. The following does not belong to me : Personal Information that is incorrect : XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( XXXX  & Equifax ) XXXX XXXX XXXX XXXX ( Equifax ) The following accounts are reporting inaccurate late payments status : XXXX - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, XXXX & Equifax ) XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$840.00} ( XXXX, XXXX, Equifax ) The following accounts was open as a result of identity theft ; these are not mine : XXXX XXXXXXXX - Date Open : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) XXXXXXXX XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( Equifax ) The following inquiries were not authorized by me : XXXX XXXX  ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( 9 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( 2 TIMES ) XXXX  ( 5 TIMES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation