vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am trying to link my PNC Bank account to my XXXX Investing Account and it wont allow me to connect. An error message stating PNC wont allow links with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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:
XXXX potentially negative icon Potentially Negative StatusClosed.  {$130.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1000.00} Date OpenedXXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$150.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1200.00} Date OpenedXX/XX/XXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$90.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$430.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY accounts and address are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Starting in XXXX, Fifth Third began applying my mortgage payment 3-4 business days after it was sent by my bank XXXX and received by them. This has happened in two concurrent months. XXXX has confirmed the money was deposited in the correct account. I have not had this issue in the past. Fifth Third has not provided a good reason for the change and I believe they are unethically not posting the payment to collect additional interest from me and potentially others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: WV

Complaint narrative:
I am a victim of identity theft and there is a resultant inquiry on my Experian credit report that I want to dispute. Experian indicates that an inquiry can only be disputed by phone not online - " Not disputable online '' The phone number listed XXXX however will never allow an option ( and I have been through most ) to speak to a real person or to address fraud or an incorrect credit report entry.

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 2020-08-03 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: SC

Complaint narrative:
I have Dispute this account with original creditor and they have response back stating they don't have an account in my name therefore unable to verify this account. However the credit bureaus Trans Union and XXXX   wont delete this unverified account. I have enclosed proof i don't have an account with 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 2020-08-03 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: SC

Complaint narrative:
I have Dispute this account with original creditor and they have response back stating they don't have an account in my name therefore unable to verify this account. However the credit bureaus XXXX XXXX and Equifax wont delete this unverified account. I have enclosed proof i don't have an account with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX I placed an order with an online retailer in the amount of {$100.00} via Pay Pal Credit. The order was cancelled with the vendor hours later however the charge went through anyway. I had been in contact with the vendor several times and was assured a credit would be put through. I eventually filed a claim with Pay Pal credit and they issued a credit to my Pay Pal Credit account on XX/XX/XXXX. On XX/XX/XXXX Pay Pal denied the claim with a stated reason that it did not qualify for a claim. On XX/XX/XXXX Pay Pal applied a debit of XXXX to my Pay Pal Account resulting in a negative balance and subsequent non use of the account. I reiterate, that this debit was applied to another account and not a reversal on my Pay Pal credit account ( which is what should have happened ). I have been in contract with Pay Pal daily and they are pretty incompetent and unable to understand the issue. They are trying to collect a debt on an account that was not involved in the original transaction. The denied dispute has subsequently been reopened and re-classified as an item not received. Apparently it was denied the first time because Pay Pal did not like the category of dispute I used and rather than fix that it was easier just to deny it and apply a debit to an account that was not involved. In speaking to various representatives this seems to be a Pay Pal internal systems issue. In short, I placed an order, I cancelled an order, I received nothing and Pay Pal debited another account in error while attempting to perform a credit reversal. At this time the dispute is still pending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 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: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
Good afternoon, I, XXXX XXXX, S.S. # XXXX has had an issue with three of my accounts showing on my credit reporting status with XXXX, XXXX and XXXX ... I have a XXXX  -- XXXX XXXX XXXX, XXXX, NC XXXX Credit Card that is not showing where I have paid since XX/XX/XXXX -- -Credit Card # is XXXX Exp. XX/XX/XXXX 4 digit code on back of card XXXX. I also have a second account that I am concerned about, which is my Mortgage which was closed on XX/XX/XXXX with XXXX XXXX  and was sold shortly after to Penny Mac Mortgage that is not currently showing since I purchased my home ... Account Mortgage Number is XXXX -- -Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX and Penny Mac 's Address is : XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX -- -Mortgage Amount Monthly paid is {$1200.00} -- NEVER BEEN LATE!!! Also, a third issue not reporting on the Credit Bureau 's are my car payment with XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, AL XXXX -- -Account Number is XXXX of {$560.00} Monthly Payments ... NEVER BEEN LATE!!! 
I would like to say that I went to XXXX since the COVID 19 -  Pandemic to get a LOAN to help assist me with my bills since my husband 's job was depleted and unfortunately, they were going to give me a LOAN but said to me that nothing that I was paying MONTHLY was showing up on my CREDIT REPORT. I have been paying each of these LOANS ( Mortgage, CREDIT CARD, Car Payment ) for approximately 2 years each and NOTHING is showing up on my Credit Reports when they pull it. I was very upset and was not able to get additional funds to help me with my bills and would like for this issue to be resolved ASAP. I need assistance. I have a Fraud Alert from years ago of Identity Theft. I just need to show these reportings on all 3 Credit Files of GREAT PAY HISTORY : ) My  telephone number is XXXX and my mailing address is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I sent over to all three Credit Bureaus a copy of my License, SS Card, Letters they requested when I could not reach them over the phone months ago to take care of this problem and I have not heard any thing back from them as of today and that's been approximately 8-9 months ago. I would appreciate if someone was to assist me immediately. Thanks in ADVANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am experiencing an issue with Experian, the credit reporting agency. Only them, the other two major agencies work just fine for me. 
Every two months Experian drops my credit score by 25 point with absolutely no reason.. After I intervene each time, it slowly goes back to normal level of XXXX. I care very much for my score. 
Since I expressed my objection in writing ( R letter ) numerous times, no reply ever from XXXX Headquarters nor from California satelite office. 
I assume this is the way to encourage me to pay for some type of $ XXXX month credit service subscription, which I will never do. Experian offers me this service every 3-4 days via e-mail. I would never pai Experian their ransom. the ransom. 
Please try to help me stop this practice. 
After my written inquiry Experian always replies that it can't identify me and asks me to mail them bunch of documents, which of course, would only compromise the safety of my data. It will not provide me with any answers anyway, no matter what I sent. 
I am considering legal action at this time.Your organization is the last resort before that. 
I would like to add that I did my research. I know credit scores drop and go up, but this is not the case at all. None of the reasons for any drop applied to my situation. Can anyone help? I already wrote to Experian 's office in California as well as the headquarters in XXXX Nothing happened.

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 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC has blocked me from linking my debit card to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have been trying to invest my money through XXXX and my bank is not allowing me to link my account so I may do this. This is MY money i should be allowed to use my money how I please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received an email and letter on XX/XX/2020 stating XXXX XXXX virtual card account had been opened in my name. I had not opened any such account. I called their partner bank ( TD Bank, NA ) to attempt report the fraudulent account, but unfortunately, they have transferred and waited on hold for over an hour. Disconnected and tried again the next day with same result. The TD Bank service rep states they need to transfer me to the Retail Account services and then no one answers the call. 

I am currently on hold a 3rd time and have been waiting for 1 hour and 7 minutes ( so far ). I am highly frustrated that I can not even talk to an  individual at the bank to inform them of a fraudulent account opening. I am not sure how else resolve the issue, so filing a formal complaint with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am unable to use the XXXX app due to PNC bank changing things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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:
XXXX potentially negative icon Potentially Negative StatusClosed. {$130.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1000.00} Date OpenedXXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$150.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1200.00} Date OpenedXXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$90.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$430.00} Date OpenedXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY accounts and address are 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 2020-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company 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 2020-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
We are going through financial hardship due to Covid-19 but still, I Made my Payment in full on XX/XX/2020. {$840.00} They never notified me of this action I was still charged with finance and late fees of {$18.00} spoke with the merchant. they saw what when wrong they waived the fees. And said they can't do anything about the Credit reporting. now I can not get a mortgage because of this mark on my credit and the company will not help me this very unfair situation.

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 2020-08-03 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Good afternoon, I, XXXX XXXX, S.S. # XXXX has had an issue with three of my accounts showing on my credit reporting status with XXXX, XXXX and XXXX ... I have a XXXX -- XXXX XXXX XXXX, XXXX, NC XXXX Credit Card that is not showing where I have paid since XX/XX/XXXX -- -Credit Card # is XXXX Exp. XX/XX/XXXX 4 digit code on back of card XXXX. I also have a second account that I am concerned about, which is my Mortgage which was closed on XX/XX/XXXX with Summit Lending and was sold shortly after to XXXX XXXX XXXX that is not currently showing since I purchased my home ... Account Mortgage Number is XXXX -- -Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX and XXXX XXXX XXXX Address is : XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX -- -Mortgage Amount Monthly paid is {$1200.00} -- NEVER BEEN LATE!!! Also, a third issue not reporting on the Credit Bureau 's are my car payment with XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, AL XXXX -- -Account Number is XXXX of {$560.00} Monthly Payments ... NEVER BEEN LATE!!! 
I would like to say that I went to XXXX since the COVID 19 - Pandemic to get a LOAN to help assist me with my bills since my husband 's job was depleted and unfortunately, they were going to give me a LOAN but said to me that nothing that I was paying MONTHLY was showing up on my CREDIT REPORT. I have been paying each of these LOANS ( Mortgage, CREDIT CARD, Car Payment ) for approximately 2 years each and NOTHING is showing up on my Credit Reports when they pull it. I was very upset and was not able to get additional funds to help me with my bills and would like for this issue to be resolved ASAP. I need assistance. I have a Fraud Alert from years ago of Identity Theft. I just need to show these reportings on all 3 Credit Files of GREAT PAY HISTORY : ) My telephone number is XXXX and my mailing address is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I sent over to all three Credit Bureaus a copy of my License, SS Card, Letters they requested when I could not reach them over the phone months ago to take care of this problem and I have not heard any thing back from them as of today and that's been approximately 8-9 months ago. I would appreciate if someone was to assist me immediately. Thanks in ADVANCE!

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 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
have non stop mailed, called and harassed me after told not to. Abusive lamguage. Calles before and after legal hours and on sundays. 

have called my place of work and family after being told not to and tried to contact me on facebook messenger. Not my account. leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Last XXXX, we travelled to NY and stayed one night at the XXXX XXXX ( XXXX XXXX ). The room, one of two elevators were working, construction, etc. was terrible so we left after the first night. We had to call and cancel since there was no actual Lobby due to construction. 
When we came home we were billed for all four nights although we left after one. We were also billed on same credit card for our second hotel ( XXXX XXXX XXXX ) for the same 3 nights. I have been disputing this but credit card company ( Chase Ink. ) has found against me. I have continued to ask for hotel 's response, both verbally and 4 or 5 times and in writing but have only received original reservation. I was told that they admit I cancelled the stay on XXXX, but they FALSELY claim we stayed there until XX/XX/10 anyway.. 

I also provided additional information ( see below ) and could provide more but the credit card company does not answered me. 

[ Following is from our submittal of dispute ] To begin, please see attachment A1, on XXXX there is a Room Service charge in the amount of {$51.00} for a meal. That is the last room service charge of any type on our bill at the XXXX. 
If you look at attachment B and C they prove that we were actually at the XXXX XXXX XXXX. 
Attachment B, shows that we paid for a meal on the Chase Inc card on XXXX when we arrived. Attachment C ( the XXXX XXXX bill ) proves that we not only stayed at this hotel but we had breakfast on XXXX, XXXX, XXXX XX/XX/10. We also had a minibar charge. ( the reason breakfast was so cheap was our room package came with a {$25.00} a day meal credit ) This clearly evidences that we stayed at the 1 XXXX XXXX XXXX and not at the XXXX. The fact that we had meals, and mini bar charges at one hotel and the XXXX has no further room charges evidences they are mistaken. Clearly, I would not pay for two hotels ( or could possibly ) be at two hotels at the same time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Agency : Credit Management LP Address : XXXX, TX XXXX Account reference : XXXX I received a collection notice which was forwarded to me by mail. The original amounts owed apparently were being sent to the wrong address in XXXX  and I live in XXXX XXXX TX. I called the referenced agency above on XX/XX/2029 at approximately XXXX am XXXX. After explaining the situation I explained that I would like to pay the balance but would need something in writing that this would not be reported to a credit bureau. I was told that they did not report to credit agencies, however since they are a member of XXXX XXXX, it made me suspicious. I asked to speak to a supervisor, was placed on hold for 20 mins and then was told no one else was available. There was no direct extension to leave a message and the person I was speaking to refused to leave a message for a supervisor. At the end of the call I emphasized that I wanted to pay the debt but needed at minimum an email indicating this would not be reported to a credit reporting agency. This felt extremely shady to me. Based on what she was saying, I just needed to take her word for it instead of protecting myself and my rights. Please investigate.

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