vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I visited PNC of XXXX NJ to enroll in a forbearance program on a personal line of credit early on when the Corona virus came about. I spoke with a banker there who never informed me that branches can not do forbearance or extension programs. As a result of our discussion I was led to believe that the process had started and the loan was put on extension. On the contrary nothing was done and as a result the line of credit fell into a 120 day delinquency. I am in the process of trying to get approval for a mortgage and I have been advised by 4 lenders that based upon the delinquency there is no way I could ever qualify. I have sent disputes in to all 3 credit agencies and awaiting their decision. I  am a retired XXXX XXXX on a XXXX pension from XXXX. I need to qualify for a mortgage in order to down size to a smaller house due to loss of income as a result of Covid. PNC claims there is no proof that a request was put in and are of little help to rectify my credit report. I am not looking for anything other than getting this delinquency removed from my credit report. As of now PNC has escalated the case within corporate for investigation. The reason for my submission to CFPB is to help me in having PNC Bank simply write a letter to the credit agencies and remove error of the 120 day delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 Best Buy reported to XXXX bureau a hard inquietud under my name that I did not authorized.I contacted both XXXX and Best Buy to clarity this issue and to creat and aleart on the XXXX bureau. They assured me everything was going to be clarify and required from me to contacted best buy to let them know I was victim of identity theft. They were supposed to send al letter to equifax explaining that I never applied for Best Buy credit Card inquiry and to request removzing this inquiry from my credit report. Up to date nothing is being done and this hard inquiry remains on My XXXX 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 2020-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Due to COVID-19 I received a 4 month deferment on payments, however I continued to make biweekly payments despite deferment. On XX/XX/2020 the online system and statement showed {$2100.00} as unpaid balance, {$9.00} finance charge and {$570.00} late charges, totaling {$2700.00}. Therefore I paid the {$2700.00}, upon completion of payment a notice appeared stating I would receive information on title tracking. My statement showed I had a XXXX balance due for XX/XX/2020, however I never received any information concerning my title. When I went back online there was a {$580.00} late charge balance showing, therefore I emailed Ally asking them how could I all of a sudden owe {$580.00} after my balance was paid early in full. I contact Ally by phone on XX/XX/2020 @ XXXX central time and spoke with XXXX , who didn't appear to be able to assist me and was frustrating my wife, so I requested to speak with a supervisor. I was conected to Ms. XXXX, I asked if she was a supervisor and she stated she was taking supervisor calls. I explained she could review my statement from XXXX, XXXX and XXXX see that the current {$580.00} late fees had been notated after my balance was paid in full, which was not ethical. The online account now stated I owed {$600.00}. I informed Ms. XXXX I had no choice but to pay the {$600.00} to receive my title or continue having charges added. I told her I would pay the {$600.00} and file a complaint requesting a complete investigation. 
It is unethical and wrong to take advantage of customers because they have no choice but to pay. If those fees were owed the online system would not have recalculated my required payment due to early payoff, and my statement would not state zero balance for XX/XX/2020. Only for {$600.00} to supposedly be owed XX/XX/2020. Modern day theft is what these companies are allowed to do.

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In XX/XX/2020, I paid in advance for a product from XXXX XXXX. XXXX failed to deliver the product. I requested a refund on multiple occasions. XXXX refused to refund my money. I raised the concern with American Express. Inexplicably, AmEx sided with the vendor despite the fact that I was charged for a good I did not receive and the vendor admitted in writing to AmEx that it did not provide the good. 

Instead of responsibly resolving the matter, XXXX has engaged in ad hominem attacks, misstatements of fact, and defamation. All of this evidence has been provided to AmEx. I attach a portion of here as well. 

AmEx should find in my favor and refund my money in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX @ XXXX this person cashapped me {$500.00}, which I was expecting because we were in a group, she gifted me my {$500.00} as expected along with others. Then on XXXX XXXX I received a notice from Cashapp that stated they were refunding the {$500.00} that was gifted to me over 2 months ago because she filed a dispute. Why? When I received this noticed I contacted my bank XX/XX/XXXX after work about XXXX, I left a message with the customer service explaining the situation, it was late and they were closed but she will put a note in and they will return my call tomorrow morning XX/XX/XXXX, by then cashapp had already started deducting my {$500.00} from my bank account. I tried contacting cashapp as the bank had ask me along with unlinking my bank information until I find out what was going on. Cashapp does not have a number to call for customer service but in their terms and conditions they do. I tried calling all of the different numbers but to no avail, no one answers, one automatically hangs up with a beeping sound, and one talks about military loans and things etc., So I found an email option, I emailed cashapp ( XX/XX/XXXX ) and ask them if they can give me some clarity to what was going on and why they took {$500.00} from my banking account? I then received an email from cashapp stating my account is closed. Also stating after reviewing my transfers of funds they stated I was in violation of their terms. I don't understand that also, I did nothing illegal to have my account closed, I also have {$130.00} in there that now I don't have access to or can't get. I'm confused about this whole cashapp situation and would like for my {$500.00} to be returned because I did not steal it! And would also like to have access to my remaining money in my cashapp account. Cashapp did not contact me at all about anything, ( you would think they would if they said it was a dispute, a dispute consist of more than 1 person ). This transaction ( gift as stated in the memo ) took place over 2 months ago and for them to think it is ok to go into someone account and take their money with no communication whatsoever, and then close your account keeping the money that is in there!! I will be waiting to hear from cashapp so I know how to proceed with this situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX has been reporting for a period of time that exceeds the FCRA timelines for deletion eligibility. The statute of limitations for this account has been met, and I am requesting that the data be removed from my credit 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 2020-09-18 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: MA

Complaint narrative:
XXXX XXXX  XXXX XXXX, XXXX has been reporting for a period of time that exceeds the FCRA timelines for deletion eligibility. The statute of limitations for this account has been met, and I am requesting that the data be removed from my credit report, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
In XXXX of XXXX a company called New Rez began servicing my mortgage. The terms of my mortgage only included Flood Insurance, I was paying Property Taxes and Home owners Insurance. In XX/XX/XXXX New Rez made a payment on my Property Taxes. Over the next 10 months I made extra payments to them to repay the funds. On XX/XX/XXXX I emailed the company in an attempt to make sure that this porpblem would not repeat itself, I never received a response. I have attached a copy of that e-mail. I have since received notification that my next payment due on XX/XX/XXXX will more than double from {$1400.00} to {$2900.00}. They justified this adjustment stating that an Analysis of my Escrow account had been completed requiring the increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: MA

Complaint narrative:
XXXX XXXX Account number XXXX, Paid before colections, paid as agreed, and current. PLEASE DELETE.

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 2020-09-18 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: MA

Complaint narrative:
XXXX XXXX Account number XXXX, Paid before colections, paid as agreed, and current. PLEASE DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I was a cosigner on my step-daughters car with USAA. USAA said their policy was to contact cosigners if the borrower was not making timely payments. Weeks after my step-daughter had 'promised to pay ' USAA XXXX they sent me a letter saying the payment was not made and it had been reported to credit agencies. I called them, and they said, it was too late to fix it - the borrower ( my step daughter ) did not pay and she continued to promise to pay. I inquired to their policy of contacting the cosigner to make a payment before it was reported to the credit agencies - they said it was an oversight because the borrowed continued to promise to pay when they spoke to her. I was never notified to rectify the issue. I know this is their policy and they have stated this is their policy, it had happened once before and they did let me know before it was too late. This time they failed to inform me until after it was too late, they never called or contacted me via email or phone or text or other means to pay the payment before submitted the late to the credit agencies. 

They said it was too late for them to fix it, and if it did indeed end up on my credit, to file a dispute. I filed a dispute when XXXX and they returned the dispute that the creditor said the file was accurate. We ended up paying off the loan in full, so the loan is now closed and no longer outstanding with USAA. But it has effected my credit as a 30 day late and I am fairly livid that USAA could not fix it, did not follow their protocol for cosigners and have now reported my dispute was inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
To Whom It May Concern ; My PayPal account is being held XXXX and I am in need of assistance. Here are the facts : In XXXX, I placed an order for my fianc for a medication from oversees - the total was {$49.00}. I never received the order and started to call the company requesting a refund. On XX/XX/XXXX, I called and requested a refund. On XX/XX/XXXX, I received an email that a refund was being processed. On XX/XX/XXXX, this company send me XXXX separate payments - not for good, not for services, not for anything other than a refund. 

I then was quickly notified that my account was being held and that all funds would not be available for 6 months. This is not acceptable. I did nothing other than receive a refund from a company being shady. 

I have been trying to relay this information to a multitude of representatives since then and keep getting told that all I need to do is send in the information related to this company, the order and the refund. I have sent everything via screenshots and today was told it doesnt look good for you. Doesnt look good is not acceptable when your company is holding funds that are from a legitimate XXXX  sale. 


Again, I am not asking for anything other than to release the funds that are rightfully mine. 


Sincerely, XXXX XXXX Paypal ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18 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: MA

Complaint narrative:
XXXX XXXX XXXX was paid prior to my filing for bankruptcy, was at a XXXX   balance before collections, and should not have gone to collections in the frist place.

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 2020-09-18 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: PR

Complaint narrative:
The company said that the account belongs to me and that information is correct but, that is not true. That account belongs to someone in US and I have never had a account with XXXX. I live in XXXX XXXX and my address is totally different. Someone stole my information or did a mistake. Expirian did a very bad job in the dispute and I very disappointed. I want that account to be removed, is not mine!

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 2020-09-18 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: NJ

Complaint narrative:
A wrong name is listed on my credit report which is XXXX XXXX. 
A wrong address is listed as XXXX XXXX XXXX XXXX XXXX, FL XXXX A wrong closed account is listed : XXXX XXXX - never have a XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i viewed my credit report and seen inaccurate things reporting that did not belong to me i contacted the credit bureaus they informed me that i needed to file a police report i did that and sent the necessary documents in XXXX and Transunion responded and still did not remove the items however XXXX did remove the negative items from my credit file im asking help in this situation ive contacted and reached out to the credit bureaus with little to no results. below i am attaching the documents i received from XXXX and the police report i filed

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 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX I dont know what more information you need I mean you do have the report in front of you correct? In the comment section the consumer dispute meets FCRA requirements is missing. Experian refer to FCRA 623A ) b this information is required 30 days of a completed investigation. You know you this and I do too. Not sure why you are playing and FDCPA 806 explains it as well Explain to me whats your take of those statues

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 2020-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Dear XXXX, I am writing to present a case that is related to an unsuccessful saving account opening, which could be resulted from the bank 's internal miscommunication or potential internal misbehavior. The bank 's denial, due to a loose tracking and review of a previously closed case, is blocking my right to access my other credit card and checking accounts, as well as the request to open a saving account. 

I applied for the Citi Accelerate Saving Account on Citi 's website on XX/XX/XXXX and funded the account with my Citi checking account ( {$1500.00} XXXX right after the opening. Starting from XX/XX/XXXX morning, Citi blocked my access to my credit card, checking and the new saving accounts without any notification. 

On XX/XX/XXXX, I tried to communicate with their Twitter Ask_Citi agent, Online Chat agent, Customer Service agent, New Account Creation agent and New Account Fraud Service agent. Through the texts, messages and phone calls, I understood my access to all my accounts was blocked due to the failure of that new saving account creation. Their New Account Agent and New Account Fraud Service agent told me the failure was due to a " negativity of one account '' related to my current address. New Account agent directly told me " Citi is losing money on this account. '' I checked all my documentations related to Citi and realized that " negativity of one account '' can be traced back to my checking account application in winter XXXX. I keep all letters and checks to show I do not owe Citi a cent and vice versa. 

The New Account Fraud Service agent heard my statement and told me Citi is going to send me another debit card, but has to cancel my saving account due to that " negativity '' record, which would be on file for five years. I immediately expressed my concern toward this record because : first, it obviously introduces inconvenience to me when I have transactions with Citi ; second, Citi could possibly use the record to claim their benefit or even call for third-party collection. I insisted this false record should be removed to avoid future problems. The New Account Fraud agent refused my request for further escalation and hung up my phone call directly.

I express my wish to provide the copy of all crucial documents to help Citi clear the internal errors. However, through my communication with so many agents, I see no Citi 's agent is taking ownership to help client resolve an existing issue. This is deteriorating consumer 's rights and creating a very deep fear. I don't know who else can help and therefore I would like to seek help from this platform. If you know anyone else who can help, please pass that information to me. 

Thank you for your help.

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 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
I had XXXX XXXX service for about 2 weeks did not work put wiring around the back of my flowers and tv never worked, cancelled after talking to them many time, took photos and thought it was taken care of the service was over a year ago, contacted XXXX and service reinstalled, had no issues, fast forward a year and received one phone call I asked many times for a bill and still have not gotten one, if you look I pay all my bills on time ... .so why would I not just pay XXXX does not make any sense and told the person that calls send me a bill ... .again still waiting so I don't know what else to do thank you ... .XXXX XXXX does not work up here in XXXX XXXX MI when they put it 3 ft off the ground and run lines on the side of your house and not bury them in the ground ... .I even  paid for the rest of the bill that they said I owed which was like 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