vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Since the day I opened the PNC bank account - I am facing issues. 
1. They blocked my outgoing ACH transfer for no good reasons.

2. They are asking me to give them a call and have the account number handy.

3. when i tried to get the account number, they ask to provide the mobile phone number. When i am doing that they have an issue with that also. 
4. Secure message center is not working I would like PNC to communicate to me via email or mail. I called them upon and their menu based system is so confusing and troublesome in order to not let the customer talk to the banker or customer service. 

Why they want to hide the routing number and account number especially when the bank account has a promotion for direct deposit? Can't they understand that we are in the midst of pandemic and nobody want to step out and risk their life? 

I am a legal XX/XX/XXXX and living in USA since 2005 and having the credit score of more than XXXX - even then this bank is giving me such a tough time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: AZ

Complaint narrative:
I recently reviewed my Credit Report and noticed there were items that were added/opened under my name during the time I was on Military Leave. These items do not belong to me, I did not open these accounts or had any prior knowledge of them being open. I have disputed these items with the company and got a XXXX  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 2021-01-10 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XX/XX/2020 I submitted written letters to the credit bureaus. Enclosed in those letters were items that needed a sufficient amount verification. My name was misspelled numerous times, various incorrect addresses, several erroneous accounts that included, closed, charged off, and incorrect accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: AZ

Complaint narrative:
I recently reviewed my Credit Report and noticed there were items that were added/opened under my name during the time I was on Military Leave. These items do not belong to me, I did not open these accounts or had any prior knowledge of them being open. I have disputed these items with the company and got a XX/XX/XXXX 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 2021-01-10 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: AZ

Complaint narrative:
I recently reviewed my Credit Report and noticed there were items that were added/opened under my name during the time I was on Military Leave. These items do not belong to me, I did not open these accounts or had any prior knowledge of them being open. I have disputed these items with the company and got aXX/XX/XXXX response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Fraudulent charges on my Banana Republic store credit card Only half of my initial dispute has been resolved. They are still claiming an outstanding amount due. 

This has been going on since XX/XX/XXXX of 2019

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 2021-01-10 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 a victim of identity theft i have submitted multiple ftc reports, proof of identity as well as proof of address. I was told there was nothing they could do for me. I have called the creditors about these fraudulent accounts as well as the credit bureaus and they have completely dismissed my claims

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 2021-01-10 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: FL

Complaint narrative:
Im going to make this as simple and clear possible. 

XXXX XXXX XXXX  acc  # XXXX -I had an account account 3 years ago that was closed after car was totaled. 

-last payment was made 3 years ago -the payment history is inconsistent with other reports and KEEPS CHANGING randomly even up to now -How can an account closed 3 years ago with last payment 3 years ago keep having changes to payment when XXXX XXXX says they send the same exact data every time?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XX/XX/2020 I submitted written letters to the credit bureaus. Enclosed in those letters were items that needed a sufficient amount verification. My name was misspelled numerous times, various incorrect addresses, several erroneous accounts that included, closed, charged off, and incorrect accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I disputed the account with XXXX XXXX XXXX several times and every time I make a dispute they go in and decrease my credit score by 23 points. The original creditors is Capital One. I think this is retaliation and predatory tactics to try and make me pay a debt that I do not owe to this. I would like for this company to be completely removed from my credit report. This is hurting my credit tremendously. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACI Worldwide, Corp.
State: PA

Complaint narrative:
In the letter attached It is implied that they will deduct monies from a bank account associated with account numbers of of mine. I have never spoken or received any communication regarding this alleged debt. I have not agreed or provided any financial information to cure this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Since XX/XX/XXXX I've been charged interest three times. 
My loans are subsidized and unsubsidized Federal Ed. 
I was allergic to this by my credit report that my loan amounts had changed. 
I'mconcerned that if I'm being charged so are other people without their knowledge. 


XX/XX/2020 Capitalized Interest {$0.00} Loan Principal XXXX XXXX - Subsidized {$22.00} Interest- {$22.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford XXXX Unsubsidized {$18.00} Interest- {$18.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford Unsubsidized {$430.00} Interest- {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX we sent notice to alleged lender, SunTrust Bank, requesting validation on this XXXX. Thirty days commenced with no response. Therefore, we contacted all three credit bureaus to inform them that the alleged loan is in dispute. The credit bureaus contacted SunTrust Bank as a result, and it was only then that we received a response from SunTrust Bank, stating they " didn't know '' what account we were disputing. 

On XX/XX/XXXX we sent a Non-Negotiable Notice and Demand for Full Disclosure and Validation on this alleged loan, with a 15 day deadline before further action is taken. We did not get a response to this letter either. 

SunTrust Bank is in violation of the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ). And U.S. Code SubChapter VDebt Collection Practices 15 U.S. Code 1692g - Validation of Debts, as well as The North Carolina Consumer Protection Act of 1977 ( NC General Statutes, Chapter 75 ). 

If this alleged debt is not validated by the alleged Lender, SunTrust Bank, as required by the Fair Debt Collections Practices Act, alleged Lender has legal responsibility to terminate the claim.

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 2021-01-10 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:
My Name is XXXX XXXX I did paid in full on XX/XX/2017 to XXXX  XXXX And Still Showing the balance At XXXX report. 

My card number was : XXXX If you have any questions contact Mr.XXXX XXXX collection department XXXX XXXX At XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This past XXXX I received calls from someone claiming to be from CitiBank " Corporate Office '' and asking me for very detailed information about my accounts and if I did not provide it they would close my accounts. This number was not listed as CitiBank and seemed very suspicious. I called the customer service line for my credit card, the agent stated no information was required. To double check, I contacted Citibank XXXX office, inquiry XXXX. I received a letter dated XX/XX/2020 from Citibank Executive Response stating Citibank has not attempted to contact me to verify information and I should contact customer service as my account information may be compromised. 
On XX/XX/XXXX, All of my Citibank personal and business credit cards were closed without warning. 
Customer service states I did not respond to requests for information so all of my accounts were closed. 
I did not respond because Citibank told me this request for information was fraudulent and did not come from Citibank. 
I have been a Citibank customer for 20+ years with a perfect history, I have a high credit score and a perfect payment history with all of my accounts.

I can not believe Citibank would do this in the middle of the pandemic crisis the world is facing right now. 
I followed Citibank 's advice not to respond to the suspicious phone calls, I would provide any information required had Citibank told me the request was legitimate. 
I request my accounts be re-opened, I have been a loyal Citibank banking, mortgage, and credit card customer for many years.

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 2021-01-10 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: Kriya Capital, LLC
State: MI

Complaint narrative:
On XX/XX/2020 I filed a complaint with CFPB for Credence Resource Management, through the CFPB for the debt titled XXXX  for {$980.00}, they removed the debt back then but then put it back on it this past XXXX. 


This is predatory, this isn't mine. That's why you guys had them delete it in the first place. 

Here 's the previous complaint XXXX It was removed for 9 months until it came back. This is not y debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I was advise that a collection of {$9800.00} was due to the XXXX XXXX XXXX  for apartment complex. the information provided was incorrect as I gave the 30 day notice to XXXX XXXX who was the Recertification Specialist on XX/XX/XXXX due to the property being sold to another company and i was not staying on board as an employee with them but staying with the XXXX XXXX XXXX as my employer. I paid my lease all the way up to XX/XX/XXXX as my lease was from XX/XX/XXXX to XX/XX/XXXX. I have bank printouts showing the online payments and POS transactions that I was making each month with the employee discount along with the new rental payment. I gave possession of the keys to XXXX XXXX on XX/XX/XXXX at the front door as the office had limit access due to Covid-19 restrictions. The information they have is inaccurate from the cleaning to rent due. I asked for documentation that the unit was dirty and to provide evidence that the tub was resurface prior to me moving it. they didn't provide non of the cleaning information prior to me moving in and moving out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally financial has promised since covi19 to work with me since i am struggling making payments on loan # XXXX and loan # XXXX their # XXXX they got covi relief help from President to help customers who are struggling like me, they promise to put missed payments at end of my loans. they havent send me a new statement with balance. They did try to REPOSSED BOTH trucks, as of XX/XX/2021 they call me to harass me and I also filed claim w/state attorney general cause she said lenders cant go after customers who are not paying due to covi 19, they are by law supposed to work with me on this issue. Ally has not do that. XXXX XXXX at XXXX XXXX XXXX XXXX fl XXXX email 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 2021-01-10 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: MI

Complaint narrative:
On XX/XX/2020 I filed a complaint with CFPB for XXXX XXXX XXXX, through the CFPB for the debt titled XXXX  for {$980.00}, they removed the debt back then but then put it back on it this past XXXX. 


This is predatory, this isn't mine. That's why you guys had them delete it in the first place. 

Here 's the previous complaint XXXX It was removed for 9 months until it came back. This is not y debt.

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 2021-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
on XX/XX/2021 I initiated 2 transfers using XXXX through Ally bank for a total of {$400.00}, this money was supposed to be transfer to a XXXX  XXXX XXXX account that I myself own. On the ally bank side it shows the transfers were completed. it is XX/XX/2021 and the money hasn't reached XXXX  XXXX XXXX. I spoke to XXXX on XX/XX/2021 and they said there is nothing they can do on their end they advised me to get in touch with ally bank so they can perform a trace on the funds. I have been on the phone with ally several times since then and nobody can tell me what's really going with my missing money. I decided to look up ally bank on the XXXX XXXX XXXX and they have one of the worst ratings with over XXXX complaints. ally bank is getting away with peoples money they need to be hold accountable. I have transferred money from ally bank to XXXX before using XXXX and never had an issue I know the email addresses im using are good and registered to receive XXXX payments. looking online there are thousands of people complaining about similar issues.

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 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX we sent notice to alleged lender, XXXX XXXX, requesting validation on this Loan. Thirty days commenced with no response. Therefore, we contacted all three credit bureaus to inform them that the alleged loan is in dispute. The credit bureaus contacted XXXX XXXX  as a result, and it was only then that we received a response from XXXX XXXX, stating they " didn't know '' what account we were disputing. 

On XX/XX/XXXX we sent a Non-Negotiable Notice and Demand for Full Disclosure and Validation on this alleged loan, with a 15 day deadline before further action is taken. We did not get a response to this letter either. 

XXXX XXXX  is in violation of the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ). And U.S. Code SubChapter VDebt Collection Practices 15 U.S. Code 1692g - Validation of Debts, as well as The North Carolina Consumer Protection Act of XXXX ( NC General Statutes, Chapter 75 ). 

If this alleged debt is not validated by the alleged Lender, XXXX XXXX, as required by the Fair Debt Collections Practices Act, alleged Lender has legal responsibility to terminate the claim.

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 2021-01-10 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: CA

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2020 and I have not received a response from them. I'm hoping CFPB can help me with getting a response from them. it has been more than 30 days and i understand there is delay in receiving mail due to Covid19. But this is so crazy. The inaccurate information on my report is hurting my credit. i'm reaching out to you for help. If they are unable to complete their investigation within the required time or if they find the items can not be verified the items must be removed from my 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 2021-01-10 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: CA

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2020 and I have not received a response from them. I'm hoping CFPB can help me with getting a response from them. it has been more than 30 days and i understand there is delay in receiving mail due to Covid19. But this is so crazy. The inaccurate information on my report is hurting my credit. i'm reaching out to you for help. If they are unable to complete their investigation within the required time or if they find the items can not be verified the items must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: CA

Complaint narrative:
this account is now my account, nor did I authorize these companies listed to pull my credit. Please remove them. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: CA

Complaint narrative:
this account is now my account, nor did I authorize these companies listed to pull my credit. Please remove them. Thank you.

Company response to consumer: Closed with explanation