vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, i write to all these 3 agencies to fix the issues of my amounts were paid in full as agreed as for XXXX and XXXX XXXX card alleged balances. I called even last week XX/XX/17 and i just given the run around with nothing. I am suffering from there actions as i cant get the house to buy when i have done what is right long time ago. I now reach out as my last hope as they just not right with me.

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 2020-07-21 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: FL

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting that I am ( 120 plus ) days late on the DP EDXXXX account. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. ( Attached is a spreadsheet of accounts for reference. ) I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: WA

Complaint narrative:
On XXXX XXXX, 2020, in preparation for closing my account, I transferred all but {$50.00} to my new financial institution, taking into account pending transactions on the account, and leaving sufficient funds to cover any charges. At the time, I used KeyBank 's website to lock my debit card to prevent against future charges. 

The KeyBank website states " When you lock a card, it's temporarily frozen. That means we won't process any new purchases, ATM transactions, or recurring debit card payments until you unlock your card. '' ( screen shot attached ) On XXXX XXXX, 2020, I was charged multiple charges from recurring debit card payment transactions, causing my account to go negative. I called and spoke with a customer service representative who told me that, despite the language on the website, the KeyBank internal policy states that it may take up to XXXX hours for a lock to take effect, and customers are responsible for any charges and overdrafts that occur in that time period. Furthermore, she stated that the internal policy says that all recurring debit card payments, will also be authorized ( e.g. XXXX ). 

This information is in direct conflict with the policies published online. Their website is deceptive and harmful to customers, as it does not align with their internal policies and is punitive to customers. Furthermore, it makes it incrementally more difficult to resolve pending transactions on the account, preventing me from closing the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21 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: FL

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting that I am ( 120 plus ) days late on the DP EDXXXX account. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. ( Attached is a spreadsheet of accounts for reference. ) I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-07-21 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: FL

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting that I am ( XXXX plus ) days late on the DP ED/XXXX account. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. ( Attached is a spreadsheet of accounts for reference. ) I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-07-21 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: OH

Complaint narrative:
PNC will not allow account to link to another institution. I ended up using my debit card to link instead of checking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, i write to all these XXXX agencies to fix the issues of my amounts were paid in full as agreed as for XXXX and XXXX XXXX card alleged balances. I called even last week XX/XX/17 and i just given the run around with nothing. I am suffering from there actions as i cant get the house to buy when i have done what is right long time ago. I now reach out as my last hope as they just not right with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XXXX 2015 Signed a Contract with Ally bank with a co-signer that they requested loan was approved the dealer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Never came back and discussed the terms of the loan He Just stated that the Loan was approved This Bank wasn't going to give me a loan for a car that was worth XXXX Used but they approved a loan for XXXX for 72 Months if I was told that I would be paying almost XXXX for a used car NO DAWM DEAL I would have just walk to work The Bank and the dealer took Advantage of myself and my co-signer because if I was unable to pay the Bank would have REPOSSESSED OR MADE THE CO-SIGNER RESPONSIBLE and Damaged me forever IF THIS IS NOT UNFAIR THEN WHAT IS DON'T LET THIS HAPPEN TOO YOU DON'T SIGN ANTHING THIS TAUGHT ME A XXXX DOLLAR LESSON WOW

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 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2020 and XXXX XXXX, 2020. {$100.00} was withdrawn from my checking account using an ATM card no longer in my possession and has not been used in over 6 months. I reported this to Wells Fargo and my claim was denied stating that they found the transactions were made by me or someone I gave permission to, Neither of these are true. I escalated the claim to the Executive office and was basically denied for the same reason. The money was taking out of my sons savings account. I have no idea how someone was able to do this and I refuse to just give away {$200.00}. I read that I should only be liable for {$50.00} if reported timely please confirm this to be true or not.

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 2020-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I have repeatedly requested detailed transaction history of the debt that Portfolio Recovery says that I have, they just plain don't respond. I believe there are inaccuracies. This is causing great harm to my credit profile. I never received any validation, nor any type of my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: MD

Complaint narrative:
My mortgage company XXXX, reported my loan to the credit bureau as missing payments during the forbearance period of Covid 19 for the month of XXXX ( Forbearance period is until XXXX, 2020 ) As a result, my credit score decreased 60 points and as consequence I was declined for a business loan for my company that is necessary to continue in business and to be able to pay our employees.

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 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is failing to report my positive credit history on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and Passport for identification purposes so the bureau will investigate my complaint. ) I have contacted the bank and I was told by a representative that they do in fact report positive credit history to all three ( 3 )  bureaus. Experian is failing to their job and report this credit history. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I respectfully request that Experian report this positive payment history. I have contacted the bureau to fix this however, I have not been successful.

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 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
Received a copy of my credit report and there is an account with Southwest Credit Systems for a XXXX bill that I haven't had that service in over 7 years and this company is reporting it as though I just had an account therefore Re-ageing an old and I do mean OLD account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: CA

Complaint narrative:
There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX  ( TU  ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Inaccurate late reporting : XXXX XXXX - ( TU, XXXX  & XXXX  ) ; Opened - XX/XX/XXXX ( TU  ) ; Opened - XX/XX/XXXX ( XXXX & XXXX  ) ; Balance - {$6500.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX - ( TU, XXXX  & XXXX  ) ; Opened - XX/XX/XXXX ( TU ) ; Opened - XX/XX/XXXX ( XXXX  & XXXX  ) ; Balance - {$800.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX XXXX XXXX - ( XXXX  ) ; Opened - XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

XXXX - ( XXXX  ) ; Opened - XX/XX/XXXX ; Bal : XXXX ; the status is incorrectly reporting that I was late. Please remove late reportings. 

XXXX XXXX  - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : XXXX ; the status is incorrectly reporting that I was late. Please remove late reportings. 


The following accounts are reporting either due to error or Identity Theft, Please remove the following items : XXXX - ( XXXX, TU, XXXX  ) ; Opened - XX/XX/XXXX ; Bal : XXXX ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Bal : {$360.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : {$6100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX  - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : {$200.00} ; This account belongs to someone else or it is a direct result of identity theft. 

So XXXX XXXX XXXX - ( XXXX  & XXXX ) Opened - XX/XX/XXXX ; Bal : {$0.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX - ( XXXX  & TU ) Opened - XX/XX/XXXX ; Bal : {$18000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NIC, Inc.
State: AZ

Complaint narrative:
Today XX/XX/2020 I called Nemos Investigations and Collections in XXXX, AZ. I spoke with XXXX  XXXX I asked her if there was a way she can write a letter indicating that I paid my {$80.00} debt collection and report it to the credit bureaus. She began to raise her voice and lecture me on how I shouldn't have done this and they sent multiple letters. I informed them I was financially struggling two years ago and that's why I had now paid this. I was not rude at all and didn't want to upset her. She said that the FDCPA and FCRA told them not to delete anything from the reports because that's our fault for not paying. IO then asked if I can get a letter sent that i paid off the {$80.00} and she refused because she said she sent one two months ago and she was not going to waste her time sending another one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I was scammed by cash app out of {$4500.00} on XX/XX/20. I called them initially to report a missing refund that hadn't been credited to my account for {$18.00}. I was told I needed to verify my identity and my account by adding money to my cash app, making a payment to them, assuring me my money was not actually coming out of my account, that that was a part of the verification process. The money did in fact come out of my account. The initial amount the took was {$1700.00}. I was told in order to get that amount back I needed to make another payment of {$49.00}, which I did, in a desperate attempt to get back my money. They then instructed me to purchase XXXX  gift cards, total amount {$1000.00}, so that they could use the XXXX cards to secure my money, {$1700.00}, and they would refund me all the money, for a total of {$2700.00}. I did what they asked, only to be told I needed to purchase XXXX  gift cards for the same reason, in the amount of {$1300.00}, plus {$500.00} more dollars, total of {$1800.00}, because I requested they refund my money back on the cash app itself, and that in doing so, I caused all the money to be stuck in their server. I was promised a total of {$5000.00}, which included a {$500.00} inconvenience fee for me for their so called mistake. I never received a XXXX of my money back. Not only did I not receive the original {$18.00} I called about, but they scammed me out of {$4500.00}. I have filed a complaint with the Federal Trade Commission and filed a police report. Is there any way I can get my money back and these people be prosecuted for fraud/scam. I also have first and last names of so called managers that I spoke with and also multiple telephone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I submitted two disputes : {$830.00} each for original transactions happened on XX/XX/XXXX with XXXX. Citi let me enter only one dispute in their online system. They have this limitation in place to avoid duplicate disputes, however in my case its not a duplicate. On the same day - XX/XX/XXXX - I contacted Citi rep via app messaging to request help with submitting the second dispute, since I couldnt do it myself on the website. The rep was XXXX and she reassured me that she entered second dispute, and it should show up in my account in 2-3 days. I have screenshots of this conversation and can serve it to you. A week has passed, but only one dispute shows in the system - the one I submitted myself. I contacted citi multiple times for the status of the second dispute, but they claim they have no record of it. They advised me to call the dispute department directly. I called them three times, but I was never connected to a rep. After going through the verification steps, the call always ends with a message that the department is closed- please call during business hours ( although I was calling during business hours and they claim that they work 24/7 ). I exhausted all my patience to have my dispute handled properly. I never received a temporary credit for the dispute that I submitted through the rep. The cycle is the same : I contact a rep for help, they tell me there is no record of my referral dispute, they tell me to call disputes department - that department never answers and plays we are closed message. I am not sure what else I should do, therefore I am asking for CFPB help to resolve 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 2020-07-21 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:
I first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Date of last payment not consistent : Transunion : XX/XX/XXXX XXXX  not listed XXXX  XX/XX/XXXX Payment status not consistent : Transunion : Current XXXX  ate 120 days XXXX  Current. 
Metro 2 which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.

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