vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: American Coradius International LLC
State: NY

Complaint narrative:
Hello, a few minutes ago I got a letter from " American Coradius Internacional Inc '' Where I owe them {$57.00} where the creditor is XXXX, I don't owe anyone anything I started looking for information on the Internet where they basically explain that they received this letter charging, some explain that it is due to identity theft or due to a security breach by XXXX, since in the official forum of XXXX many people received this letter in which they allege that they received this letter with an invoice, and XXXX has not done anything to solve it, There have been several times in which I receive fraudulent emails with the name and stamp of XXXX charging me in which I call and ask if I owe them something and they tell me that it is a fraudulent email and that I send the complaint to an email that they have special for that I hope I don't have to sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I have a derogatory remark just on my XXXX  credit report from Portfolio Recovery Associates, LLC that I want removed immediately. XXXX  and XXXX  removed it due to is being a lie once I disputed it. For some reason XXXX  will not remove it and I have filed a dispute 3-4 times. The original debt was with XXXX XXXX for {$190.00} with a credit limit of {$200.00} and that was a secured credit card with a {$200.00} limit that I paid for before even getting that card. So once I closed that account that {$200.00} I gave them for a secure line of credit wiped that debt out. They actually owe me money, {$7.00}. Portfolio is saying I owe them {$190.00} which isnt even the same as the XXXX  XXXX balance which also says I owed them {$280.00} from the letter Portfolio sent me and they also claim I only had a {$99.00} security deposit and once they took that off it too my balance to {$190.00} which is less than what Portfolio says I owe them. Its all a lie to collect money that I already paid. There is a lot of discrepancies in their letters. I know I paid this account off and I want it removed from my XXXX  report ASAP. Also, once Portfolio Recovery bought this account my contract with XXXX XXXX was voided. That alone should be grounds for removal immediately. Either way, debt was paid with deposit and my contract with XXXX XXXX is voided. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
As of today XX/XX/2020, I noticed my Bank of America account was $ XXXX. Apparently a hold was placed on my account for no reason and I had no notification of it doing so. Please help me get my money back because my paycheck just got deposited there tonight and theres no need to freeze or put a hold on 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 non-monetary relief
Consumer complaint received 2020-04-25 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: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
Fraudulent inquiry on my XXXX  credit report. Someone used my personal information trying to get something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Fraudulent inquiry on my Equifax credit report. Someone used my personal information trying to get something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Fraudulent inquiry on my XXXX  credit report. Someone used my personal information trying to get something.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello, a few minutes ago I got a letter from " XXXX XXXX XXXX XXXX '' Where I owe them {$57.00} where the creditor is paypal, I don't owe anyone anything I started looking for information on the Internet where they basically explain that they received this letter charging, some explain that it is due to identity theft or due to a security breach by paypal, since in the official forum of paypal many people received this letter in which they allege that they received this letter with an invoice, and paypal has not done anything to solve it, There have been several times in which I receive fraudulent emails with the name and stamp of paypal charging me in which I call and ask if I owe them something and they tell me that it is a fraudulent email and that I send the complaint to an email that they have special for that I hope I don't have to sue them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Issue is with Experian credit reporting Experian 's report was the cause of a declination/loss.

Their website is very deceptive and misleading. They purposely bait consumers into enrolling in a program which eventually results in a fee. 
It is very hard to find the actual link to obtain my credit report after they were the reason for the declination. 

Furthermore, they have unreasonable requests that creates an undue burden on the consumer. Other reporting agencies do not have these issues and have very clear and concise pathways to get a free credit report with out enrolling in their subscription. 

Experian, through misleading offers, almost forces you to enroll without a clear disclosure. 

I find their processes, very burdensome almost to the effect that its not worth wasting my time with them, and i'm sure that is what many consumers are left with - unreasonable demands and web offers that tire them out from reaching their goal - to simply review their report and score. 

This organization is purposely misleading the public and needs to be addressed through penalties, etc.

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 2020-04-25 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXXhe following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: TN

Complaint narrative:
On XX/XX/2020 I filed a dispute with Experian and XXXX  about a XXXX XXXX Credit card opened fraudulently in my name. I uploaded a copy Of my Identity Theft Report only for it to come back remains on report on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX following items do not belong to me and is a result of fraud that I did not authorize : 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 2020-04-25 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX following items do not belong to me and is a result of fraud that I did not authorize : 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 2020-04-25 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: TN

Complaint narrative:
On XX/XX/2020 I filed a dispute with XXXX  and Equifax about a XXXX XXXX Credit card opened fraudulently in my name. I uploaded a copy Of my Identity Theft Report only for it to come back remains on report on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: TN

Complaint narrative:
Equifax refuse to do proper investigation and providing valid verification for inquiries fraudulently done in my name. I provided them my Theft Identity report which still came back verified. These following 10 inquiries are fraudulently reporting on equifax : 1. Dept of Ed ( XX/XX/XXXX ) 2.XXXX XXXX  ( XXXXXX/XX/XXXX) 3XXXX XXXX ( XX/XX/XXXX ) 4XXXX XXXX XXXX ( XX/XX/XXXX ) 5.XXXX ( XX/XX/XXXX ) 6XXXX XXXX  XXXX ( XX/XX/XXXX ) 7XXXX ( XXXX, XXXX, XXXX ) 8XXXX XXXX XXXX XXXX, XXXX-XXXX  ( XXXX XXXX ) 9.XXXX XXXX XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) 10XXXX XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) Equifax refuse to do proper investigation verifying saying this is my debt according to section 606 of the FCRA. Just saying it has been verified is not sufficient proof that this is my debt when it is not. If not verified properly a serious fine can be given and this is an offense of consumers rights and if can not be verified properly it must be removed from my credit report immediately. Also, I have sent letters in XX/XX/XXXX and XX/XX/XXXX both times not being verified or showing proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I want XXXX  and Pnc to be able to link up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: TN

Complaint narrative:
Transunion has refused to do a proper investigation into fraudulent inquiries reporting on my credit report and providing proper valid verification for the following fraudulently inquiries : 1. XXXX ( XX/XX/XXXX ) 2.XXXX  XXXX ( XX/XX/XXXX ) 3.XXXX  ( XX/XX/XXXX ) 4.XXXX ( XX/XX/XXXX ) 5.XXXX ( XX/XX/XXXX ) 6.XXXX XXXX XXXX ( XX/XX/XXXX ) Verifying saying this is my debt when its not according to section 606 of the FCRA is a violation of my consumer rights and could result in a serious fine. This must be removed from my credit report immediately. I provided my identity theft report twice without response.

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 2020-04-25 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:
Equifax is XXXX disrespecting me as a XXXX Consumer, for several years these XXXX XXXX   tactics have been implored by XXXX  personnel within Equifax in an effort to suppress and sabotage my XXXX buying Power. On XX/XX/2020, I Sold and Closed on my at XXXX XXXX XXXX, XXXX, GA. XXXX. I had a Equity Loan with XXXX XXXX XXXX XXXX, theyve got their XXXX pennies, ( Money ) and I found out through XXXX XXXX  that theyve ( XXXX XXXX XXXX XXXX ) Reported to Equifax that Ive XXXX  Paid-in-Full this little XXXX Equity loan, but the XXXX XXXX XXXX   at Equifax refused to update this XXXX XXXX ( LOL ) on my Equifax Credit report! Im contacting the CFPB to be that XXXX third-party link when I take these XXXX  XXXX  to Federal court, Ive got the Financial Resources to legally FIGHT back and expose the XXXX against the me and other XXXX Consumers. I walked away with {$100000.00}, theres XXXX Consumer attorneys here in XXXX ready to dance to my music, that XXXX  Dollar, WOW, Nobody is Stopping me! Im in charge Now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
This complaint submission is in regards to a false credit report by EOS - CCA ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a Supervisor by the name of XXXX XXXX, who upon requesting information regarding the account, he then provided me the fax number so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent on XX/XX/2020, was confirmed through my fax machine that the Supervisor had received the files. At this point it is now XX/XX/2020, and after 30 days of notifying them, neither my Attorney or I have received any response, nor correspondents. 
I specifically asked for proof of the allege debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them the total of {$2100.00}. EOS-CCA are falsely reporting a debt to the three major Credit Bureaus and never sent me any initial notification. They even marked the account as pass due with several missed payments for something I was never even aware I allegedly owned. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting EOS - CCA ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX  ) on this action. They have failed to follow the guidelines which was all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, EOS-CCA are violating my rights and are also causing financial hardship with this debt being reported. We are currently in the time of a Global Pandemic with the COVID-19 virus, and access to funds are crucial for survival. This false report by EOS-CCA has prevented me from gaining access to any lenders due to Derogatory Marks on my Credit Report. At this point EOS-CCA have failed to provide any competent evidence or any legal obligation and they are currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I used to do all things financial with USAA. I had an EDUCATIONAL IRREVOCABLEFOR {$25000.00}. This trust account was set up in my name XXXX XXXX XXXX and the trust was for my son XXXX XXXX. I and only I would be in charge of trust monies until XXXX reached age XXXX. If educational funds are still available ( in 2020 ) then money will be distributed as I see fit to XXXX ( my son ) and my XXXX grandchildren as well. 
Every time I have attempted to find out what on this earth is going on with Trust through USAA, the guilty thief of my sons trust gets a elder abuse restraining order and therefore halts my right to go against her financially until order is up. USAA has treated myself and this rather spend major error on there part, its a dis tase. My grandfather was an original CHARTER MEMBER of USAA. At this point I need to know exactly what and how and whom to deem financially and criminally responsible. I learned that my mother, XXXX XXXX XXXX is, in fact, responsible for identity theft, for forgery, and I am sure a sleigh of other charges. She apparently did this trust change with one simple fax stating the I ( XXXX XXXX ) was removing myself ( irrevocable means can not be altered in any way ) from MY SONS, educational trust, replacing myself with my mother, for absolutely no good reason. At which point as soon as she is granted access to the trust she electronically has the entire amount of XXXX transferred into her private/personal bank account, and promptly spends every dime on herself, XXXX, XXXX. Not only did trust go missing, XXXX gained access to all my email addresses, and locked me out of all of them. She posed as me and closed, borrowed, spent, traveled, all on stolen money from mine and my sons Banking and trust account. I have been unable to view my old statements from USAS due to fact XXXX XXXX keeps intercepting my phone calls, my mail, my emails? I am currently and in recent past attempted to file identity theft, among other charges, against XXXX. She has with ill intent kept my private and personal documents, birth certificate, SS Card, car title, my sons same info. I changed address several times, she keeps changing back!! So, this is my first USAA rather LARGE AND IMPORTANT dispute. Its not ok to steal, make false allegations to obtain the law to be there muscle in illegal behavior. I have 2 other disputes, seperatly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to purchase a product online and was given the option to pay via XXXX a payment every month. I chose that option and proceeded to enter my information and connect my bank account and then it gave me an error. The error says " PNC has made a change that prevents you from being able to link your accounts. '' I was then told to file a complaint, which I did. I have attached a screenshot on the bottom.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally car loan is paid off. They are still reporting it delinquent will not fix. No title sent either getting run around.

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 2020-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had {$200.00} deposited in a XXXX XXXX savings from my tax refund. However every time I try to link it to my pnc bank account, pnc sends me a code, I enter the code, and I get a msg saying XXXX XXXX is having trouble with pnc allowing customers to connect their accounts.

I called pnc XX/XX/20, she said make sure you are signed up for online banking and to try after XXXX. Still doesn't work.

Company response to consumer: Closed with explanation