vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2020 I went to the XXXX XXXX nj pnc branch on the XXXXXXXX XXXX XXXX. I used the atm to make a cash deposit of {$4300.00}, I put a bulk wad of cash bills into the atm and the atm spit back some of the cash bills indicating I was putting too many in at one time. I had to make another cash deposit because of that. I figured the atm calculated the right amount of bills entered but when my second cash deposit showed me that I was being shorted {$200.00} I immediately went to notify a teller. I knocked on the lobby door and was told to go to drive thru to make my dispute. I was told I would get credit for the {$200.00} and the bank will be auditing the atm on Tues. XX/XX/XXXX. This is poor customer service. The teller did say my money jammed in the machine. I never had an issue at an ATM before this. I need a full audit done with all the holding bins in the atm checked and a tech opening up the atm to search every possible holding bin/area. A video audit should be done too to review my transactions on camera. They will see what theywhen I noticed I was shorted {$200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-12 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:
XXXX XXXX XXXX XXXX just placed an item that was previously reviewed and deleted by the credit reporting agencies the amount is {$110.00} and it was put back on my credit report on XXXX this item was reviewed and removed on XX/XX/2020 I don't order this kind of service cause our landlord doesn't allow antennas on their buildings, my current address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA,XXXX my name is XXXX XXXX cell XXXX XXXX XXXX XXXX, I reported that this item was opened fraudulently .. I will need from XXXX XXXX the address and phone # where this service was place on so I can call the local authorities.. in the mean time i want them to removed that item from my credit report.. thank you very much for your help 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 2020-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I called on XX/XX/2020 to synchrony bank to inform them that I could not access my account and needed to update my number or add my email to the verification process. I went through the verification process for an invalid code to be sent and for the customer service representatives to either disregard my concerns and one hung up on me. I was unable to access my account and was told that I couldnt access my account because my account was closed. Which was a lie because I had scheduled payments last week into the following year that I was trying to change. The last lady I talked to was the only helpful one as she updated my account and set my account on auto play so I wont have to deal with scheduling payments again. Worst customer service experience I have ever dealt with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: VA

Complaint narrative:
A collection account XXXX was reported on the credit report of {$620.00}. This account does not belong to me. I have reached out to Experian in numerous occasions for several months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I have been trying to repair my credit ever since XXXX has been died in 2013. It seems as though his mother who is so life has been using his Social Security number and also has been using my Social Security number. She is taking several credit cards out under my Social Security name against my home she also has used the death of her XXXX sons Social Security number to get credit cards and I can not get these things removed off of my credit Liens on my home I have worked so hard to to save my house and this woman who I cant even find has access to all my personal information and her son is my ex-husband and he is deceased

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I need verification of this debt on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XXXX XXXX XXXX  at XXXX XXXX I made a transaction when I tried to make another one transaction it would not let me.However, I am new Cash app customer, so I called Cash app services for help, so I thought were help.While I was talking to customer services I notice they were sending my money to people I don't know on my phone. I can literally see them transfering money to accounts. I was asking them what are you doing they said fixing the problem. On the flip side, they were stealing my money.They took XXXX XXXX and XXXX XXXX dollars from my account.Can you please help me to retrieve my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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:
Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have  provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP. I have also attached company of it being deleted from my XXXX report. 

The inquiries below I didn't authorize please delete all 6. 

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 Finance XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian I had a Fraud Alert placed on my credit report when I filed Identity Theft recently. Experian let a debit collector XXXX XXXX XXXX XXXX. file a duplicate account ending in XXXX that the account was closed in XXXX. The law : Rule from Experian called aged out accounts stated Experian govern by the Fair Credit Reporting Act will remove any closed account after seven 7 years. The account was removed after seven years on my credit then in XXXX XXXX XXXX XXXX reopen the account in a different name XXXX XXXX. Then law by Experian and the FCRA states the credit bureaus will search their records for closed duplicate accounts automatically and will not have to consult with the furnisher and if the consumer shows supporting documents that account number XXXX XXXX XXXX was on the consumers credit previously by law the CRA will immediately remove the account. The fraud alert Experian representatives told me the alert will stop any duplicate accounts by debit collectors. I am sending you my billing statement for XXXX so you can search your records to see the XXXX XXXX account ending in XXXX was closed in XXXX in good status. Remove XXXX XXXX XXXX duplicate account off my credit report. Aged Out Account law/rule 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 2020-09-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

These lenders have accessed your credit file : XXXX XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX   Automobile Dealers, New Inquiry date : XX/XX/2020 XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX Credit Unions Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2020 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, 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 2020-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Good morning I am very disappointed with pnc and already closed my account by phone XXXX XXXX. 
I v called your bank in XXXX XXXX at XXXX LT in order to pay my credit card and took so long and I hung up the phone. 
I called again another number and I paid my card. 
Then I received a text message regarding fraud asking me to call the bank. 
Then Ive called your fraud department and I ve explained the situation and after several questions in order to check my self, they hold my account.All my answers met the questions include the code by phone. 
I understand that it is for my security but even I answered all questions your fraud department hold my account and asked me to go to in person to the bank. 
I am overseas, how come. 
I am here for 5 months and I v paid my bill BEFORE with no problems. 
S facing this situation I asked to closed my account and he closed it. 
How come your bank closed my account if the PNC was not sure about my self. 
Does Not make sense? 

I have XXXX and XXXX  XXXX XXXX and I never had this ridiculous situation. 

I request a full investigation regarding this matter. 
Your bank take so long in pick up calls and they are very rude. 

I have the app but every month did not work out in order to pay and I had to call the bank and they usually said : Sory, We are having problems with the app Too many sorry!!!!! 

Thank you XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX DOB : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX Balance XXXX, this is not mines. I have payment history as proof. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute this account XXXX XXXX XXXX - XXXX, the balance is wrong and the account is being paid monthly. This account should never have any charge offs. If account is sold, the balance should be XXXX. Please delete this account. 

Item # 3 : I dispute XXXX XXXX - XXXX, this account is more than 10 years old and should be deleted from report. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened an account with Suntrust and transferred {$3000.00} from my spouse XXXX account om XX/XX/2020 shortly after Suntrust sent me a letter saying the account was closed for fraud. I was never contacted by Suntrust directly to ask. Suntrust did not send back my {$3000.00} I have called twice and both reps have told me suntrust is holding my money and will not say why or let me talk to an agent who can explain. I need my {$3000.00} from suntrust ASAP, as well as compensation for lost interest ( 4 % apr on XXXX for length of time money was held, currently 60days x XXXX cents a day = {$26.00} dollars ) and the opening bonus that i would have been eligible for of {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 

They took {$300.00} dollars from my bank account on XX/XX/XXXX without my authorization. 


This is what account looks like on XXXX. 
BK OF AMER {$24000.00} Closed 28 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00} Account showing 28 Negative ratings

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
An erroneous entry in the name XXXX XXXX XXXX has been placed in my credit report at Experian by XXXX XXXX XXXX. I have tried multiple times by emails, letters, phone calls and no results have been obtained. They continue to show inaccurate names for which i have never been know, never applied for credit under and these inaccuracies are affecting my capability of obtain loans because right know i have no credit score at experian. 

My full name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have sent a copy of my driver license to them to correct my information without results. I need your assistance immediately to resolve this issue. As a small business owner I need an XXXX loan and I am unable to obtain it right know because of this incorrect information 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 2020-09-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
Back in 2018, I had initially registered with the online XXXX University.. Unfortunately, they did not offer the classes that I was looking for, so I never signed up for any of the classes. I ended up signing up and taking classes at a different university. It wasnt until recently, that I noticed a collection on my credit report from XXXX and XXXX, XXXX, collecting for XXXX University, in the amount of {$2600.00}. 

When I called XXXX, and was finally able to speak to a lady there, she said that the reason for the collection was that I had signed up for a class. I told her the I NEVER signed up for any class with them, as they weren't offering the classes I needed. I did also do some research online and it looks like they are doing this to other people. 

Please help as my credit report is taking a big hit for a reported collection that i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BYL Collection Services
State: FL

Complaint narrative:
made a complaint on XX/XX/20, they did not verify for accuracy or reply to my dispute.

Company response to consumer: Closed with explanation