vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX deducted {$970.00} from my checking account on XX/XX/20 that I did not authorize. I have filed a claim with XXXX XXXX XXXX but they can not provide documentation regarding how this transfer was done, who did it, where the money went, etc. I have also requested such information from XXXX and have yet to receive that information.

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 monetary relief
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, the mortgage loan officer from PNC Bank received the executed agreement signed by both the seller and the buyer ( me ), specified for a vacant lot purchase. The loan officer assured me they could provide the loan for this property and for me to proceed with the seller. This included a non refundable deposit, that was only applied after I received reassurance from said loan officer that they were confident in the loan and the closing date. One week later, I asked the loan officer about some specific fees on the closing documents, and he replied 'I did not realize this was a vacant lot, we don't offer vacant land loan '. So my deposit is lost due to their error, and the scheduled closing is XX/XX/XXXX. I am yet to hear from anyone at PNC, and have not received any cancellation documents. The mortgage loan officer said I should get a call from his boss on XX/XX/XXXX, and I have received no call. This is unacceptable to put a customer in this position with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: WA

Complaint narrative:
I paid XXXX XXXX in full and they are reporting it as a charge off. I paid it in full once I was notified of the debt. I was making auto payments and was not aware that XXXX XXXX was considering it not being paid. I never stopped making payments and finally received notification that I had to pay the balance in full. Once I received that notification, I paid it in full. They set up this 0 interest and 0 payment until such date and it lured me sign up. In hindsight, I should have paid it in full at time of purchase. Now this negative report of " charge off '' is preventing me from getting a loan. I have paid this debt and it should show as paid as full. 
Attached is the final payment. Again, I was making monthly payments the whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: MA

Complaint narrative:
I got car finance with Ally XX/XX/2019, I been paid the most I can to pay off as soon as possible, Ally did accredit the payment to my account property and submitted false information to the credit bureaus. 
A complaint was filed with the Office of Consumer Affairs and Business Regulation, Division of Banks, their response was late, confused, and contradictory. 

A complaint was filed with the Massachusetts General attorney office, No update on that. 
The action of Ally was neglect, malicious, and cause damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX  These 4 accounts are not mine. They are fraud and were possibly opened under my identity but I am not aware of how they got started. Under rule 609 they must produce the documents used to open the account or remove. I have written letters, called and no one helps. This is not right. The 4 Accounts and the balance are : 1 XXXX. {$7300.00} 2. XXXX XXXX XXXX. {$400.00} 3. XXXX XXXX {$220.00} 4. XXXX. {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending upon portfolio recovery and XXXX XXXX to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My identity was stolen, and an account was opened with XXXX using my Social Security Number, my middle Initial and my Second Surname, I received a Notice dated XX/XX/XXXX from a collection agency claiming that I owe over {$2400.00} to XXXX. The Notice shows my first name, and my XXXX XXXX XXXX without showing my legal Last Name ), and without disclosing the creditor 's account number. 

EQUIFAX Credit Report dated XX/XX/XXXX, shows the XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX Credit Report dated XX/XX/XXXX was issued in two names : 1 ) my full legal name, and 2 ) my first name, my middle initial, and my Second Surname XXXX without showing my legal Last Name. ). IT SHOULD BE NOTED THAT MY SECOND SURNAME WAS REMOVED FROM MY FULL NAME OVER 51 YEARS AGO, ON XX/XX/XXXX BY THE XXXX XXXX COURT IN XXXX, NY. The Credit Report also shows that XXXX opened an account using the XXXX XXXX on XX/XX/XXXX ; the account was closed on XX/XX/XXXX and is in collection. 

As I am a XXXX citizen ( almost XXXX XXXX XXXX ) and seldom use credit, I tried to protect myself against this type of fraud by placing Security Freezes with EQUIFAX on XX/XX/XXXX and with XXXX on XX/XX/XXXX, which I never lifted. 

I am a victim of financial fraud. I have been financially harmed because my credit information was negligently released on XX/XX/XXXX to XXXX, WITH WHOM I DID NOT HAVE AN EXISTING ACCOUNT. This was done without my consent and without regard to the Security Freezes that I placed over XXXX  years ago on all my credit files. 

I have informed EQUIFAX, XXXX, and XXXX of the above and have filed an Identity Theft Report with the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
Transferwise.com deducted {$970.00} from my checking account on XXXX/XXXX/20 that I did not authorize. I have filed a claim with Bank XXXX XXXX but they can not provide documentation regarding how this transfer was done, who did it, where the money went, etc. I have also requested such information from XXXX and have yet to receive that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: MO

Complaint narrative:
Placed permanent freeze in 2017 ( had problems with that not sure I ever got pin ). Tried to permanently remove online today but couldn't. Said it would take me to a screen to verify identity, but it didn't. Took me to a form to mail in a bunch of info. including DL and SSN. Don't have time for snail mail and dont want to send that info through the inherently unsecure mail. Anyone along the official path would have access to all the info necessary to steal my identity - name, DOB, address, physical description, including photograph, SSN, and DL number! And, thats if it didnt get lost, delivered to the wrong person, or stolen from a mailbox.

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 2020-09-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is restarting the reporting clock on an account in my name unlawfully. XXXX XXXX canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against XXXX XXXX and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that XXXX XXXX has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Initial complaint : received a letter dated XXXX XXXX, XXXX from Synchrony Bank XXXX XXXX XXXX XXXX, XXXX FL XXXX ) stating that an application for a SYNCB XXXX XXXX XXXX  account had been submitted and declined due to " unverifiable application information ''. I reviewed my credit report at the time and didn't find any impact. I reviewed my credit report again in XXXX XXXX, and found a hard inquiry into my XXXX credit report dated XXXX XXXX XXXX from Synchrony Bank even though there is a fraud alert on all credit bureau reports as of XX/XX/XXXX. I attempted to dispute the inquiry with Synchrony Bank in XX/XX/XXXX, and was informed that because the application was more than 30 days aged, I am unable to initiate a fraud complaint. Instead I was told by the fraud department to reach out to the individual credit bureaus, who would be able to reach out to Synchrony Bank to investigate the matter. Instead of Synchrony Bank working with a consumer who is a victim of identity theft, they are essentially washing their hands of my concern, and requiring that I take even more of my time to contact each credit bureau individually for something that Synchrony will have to investigate themselves. 

Current complaint : Synchrony did attempt to contact me, but at no point did that voicemail ask for additional information from me or did they make any additional attempt to contact me before closing the complaint saying I was unresponsive. I have attached a screen shot of the voicemail text showing as much.

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 2020-09-04 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: AL

Complaint narrative:
At this point I feel like I've been getting taken advantage of by the credit bureaus. On XX/XX/XXXX I noticed additional addresses on my credit report so I sent in a letter requesting all inaccurate names and addresses be removed. Now four whole months later the names and addresses are still there. Now fast forward it to XX/XX/XXXX, I sent a letter regarding more inaccurate and unknown things on my credit report but to this day over 60 days later I haven't seen a response. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They did not do this so I had to send in a complaint to CFPB and it was only after that complaint that I even got a response at all, but they responded with some type of response saying they don't think it was me and they need a copy of my drivers license. This is ridiculous because as I previously stated I sent a letter in May asking for them to remove all names and addresses that weren't included on my drivers license, so clearly they've had my drivers license ( and I sent a copy of my social security card also ) since May. I demand that these accounts be deleted immediately or I will have to file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach so my information was probably put in the wrong hands. Hopefully it won't take another 120 days that they'll take advantage of me again.

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 2020-09-04 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: AL

Complaint narrative:
At this point I feel like I've been getting taken advantage of by the credit bureaus. On XX/XX/XXXX I noticed additional addresses on my credit report so I sent in a letter requesting all inaccurate names and addresses be removed. Now four whole months later the names and addresses are still there. Now fast forward it to XX/XX/XXXX, I sent a letter regarding more inaccurate and unknown things on my credit report but to this day over 60 days later I haven't seen a response. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They did not do this so I had to send in a complaint to CFPB and it was only after that complaint that I even got a response at all, but they responded with some type of response saying they don't think it was me and they need a copy of my drivers license. This is ridiculous because as I previously stated I sent a letter in XXXX  asking for them to remove all names and addresses that weren't included on my drivers license, so clearly they've had my drivers license ( and I sent a copy of my social security card also ) since XXXX. I demand that these accounts be deleted immediately or I will have to file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach so my information was probably put in the wrong hands. Hopefully it won't take another 120 days that they'll take advantage of me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
This debt collector called my phone and begin to disclose information about a delinquent credit card account Without verifying whom she was speaking with. I have received personal information about a person without their consent, this is a direct violation of our privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 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: CT

Complaint narrative:
I am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending upon XXXX XXXX and XXXX XXXX to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly 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 2020-09-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. XXXX XXXX XXXX XXXX Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

FOR TransUnion 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.

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