vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: WA

Complaint narrative:
I went to Experian 's web site to temporarily remove a credit freeze. When I entered my personal information to temporarily remove the credit freeze, I got an error message that said they were unable to complete the transaction. I called Experians number several times. None of the options helped me. They do not let you speak to a person. Their phone system puts me in a continuous loop that will not help me. 

I want to suspend my credit freeze from now through XX/XX/2022. 

Please help. Experians is completely unresponsive. 

Thanks.

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 2021-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I prepaid at an auto-loan at a PNC branch for a vehicle purchased from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I deposited {$3300.00} to the PNC branch in XXXX XXXX, XXXX PA and asked the bank teller if she could split the payment up and pay for an entire year. The teller told me yes and that it was absolutely something they do. ( I have loan history documentation. ) A monthly payment is around {$270.00} so I am covered until XX/XX/XXXX. 


Sometime in XXXX or XX/XX/XXXX I received a call from a PNC official regarding this transaction that there was a problem, but they would resolve it and split the payment among months for the entire year. Since then, no contact with PNC was constructively established. 


Today, XX/XX/XXXX as I was going to my car to go to work, I found that my car was repossessed. Immediately after this I went to a branch bank by my residence. The branch bank manager XXXX admitted that the branch bank employee notated that the {$3300.00} was supposed to go to a whole year of payments as opposed to the principal balance. Later, I spent hours on the phone trying to resolve this issue. Further investigation found that PNC had made three ( 3 ) payments and then put the rest of the amount towards the principal. 


I have talked to the PNC Repossession Manager XXXX XXXX, and she believes the PNC bank Branch banker at XXXX XXXX made a mistake and that I should request a refund of the principal balance. The car was released from repossession, but I still have to find a way to go and pick it up at my expense. 


No one I have talked to has any idea why PNC did not split the lump sum into separate deposits for each month. The retail and loan side of the organization has not, as of yet, addressed that they made a mistake. What the banker told me regarding the deposit on XX/XX/XXXX should be honored. This is a predatory lending practice and constitutes misrepresentation which I believe is currently under a strict liability standard in Pennsylvania. 


Because my car has been repossessed, I can not do my duties as a landlord, nor can I go to work. This has caused XXXX XXXX  and real liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I was in forbearance and have been trying to close it out since XXXX of 2021. It is now XXXX and the company has sent 7 or 8 different close out packets and is maliciously keeping me in forbearance. I have spent hours on the phone with them trying to clear this up, hours with notaries signing documentation. I need my close out letter immediately. They never have answers and keep giving me the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My wife and I both had savings accounts with Citi Bank for the past year or so. Every time we had a question our call was routed to The XXXX, XXXX, XXXX or who knows where. After getting fed up with the customer service related to attempting to do on line transfers from my Citi Bank to another bank ( 4 times attempted over a 30 day period with multiple calls resulting in verbal and written correspondence to me assuring me the issue was fixed ... ... the transfer continued to fail. ) That was the straw that broke the camel 's back with us. ( 2 ) weeks ago we both called into Citi and requested our accounts be closed. We were assured that they were closed and my wife received her $ check via UPS ( 4 ) days ago but I am yet to receive mine. I called again ( 2 ) more times and some rep by the name of XXXX told me yesterday morning that she would immediately get me a UPS tracking number and call me back. Another lie!! No call returned. I have $ $ that needs to be refunded to me immediately. I retired from over ( XXXX ) yrs. of a banking and financial services related career and this is the absolute worst I've ever seen! Please help me.

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 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A.
State: MA

Complaint narrative:
My existing credit card account with BBVA bank was acquired by PNC bank. This took place several months ago. 

Since then, I have been unable to login to my PNC online banking to access and manage my account. I am unable to update my contact information and home address. I am unable to check the status of my bill. I have been unable to see activity on my account, including no ability to monitor for fraud. 

In just one day, I have spend 2+ hours on the phone with various XXXX and departments trying to resolve the issue, but I am always transferred to another department and the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I thought I was placing an order through a viable website. When I clicked to order, the site, XXXX, defaulted my payment to Zelle. I was expecting to pay through XXXX but, I had Zelle at my bank so I thought I would be protected. They texted me right away with their " cashier 's '' email address to send the money to through Zelle. I had never used Zelle previously but, since it was through my bank I thought it was secure. I did waver for a moment when the email address was a gmail account but, I had gotten a text and order confirmation right away so I thought it was good. I sent the payment of {$270.00} on XX/XX/21 through Zelle to XXXX. I waited a few days and when I didn't get any shipping info, I started to get worried. So I texted back to the text I received for payment and they were " looking into it ''. They asked for confirmation of the payment again which I had already emailed over. I confirmed that via text. Then the communication stopped. They claim online you can cancel an order that hasn't shipped. I've tried that through the site, through email and through text. I got a rep in their online chat to confirm that they had received my request to cancel but, no refund. I've received no product, and no communication and I don't believe I ever will again. Their " business '' email is XXXX. I called the phone number associated with their firearms license and confirmed with the actual owner of that number that it had been stolen from him. He's been contacted many times by other buyers who tracked him down from his FFL number and he confirmed that I had been scammed, he is in no way affiliated with this website. I shared all of this with my bank, XXXX XXXX  XXXX, who initiated a claim on my behalf. They've just confirmed though that they will not refund my money as no error happened on their end, they initiated the transfer. I've also reported the site to the FBI and filed a claim with Zelle. There should be some sort of notification when you're transferring funds that there's no protection. I thought that my bank would protect me when I reported wrongdoing. Ha, nope, no such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is annoying because my I would not have been able to obtain credit if my score was low and now because I have several cards open I am being penalized although they all are paid on time. This is ridiculous my score have dropped from XXXX to XXXX. This makes no sense at all. I want my score fixed at there earliest convenience. Thank you so much. I feel this is more that just unfair.

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 2021-12-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is annoying because my I would not have been able to obtain credit if my score was low and now because I have several cards open I am being penalized although they all are paid on time. This is ridiculous my score have dropped from XXXX to XXXX. This makes no sense at all. I want my score fixed at there earliest convenience. Thank you so much. I feel this is more that just unfair.

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 2021-12-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
This has been the worst furniture buying experience ever!!!!!! This company Acima is a ripoff, bad and rude customer service. 
You all are reporting incorrect account information, the date the account was open, the price of the lease... This company represents bad business practice. 
Lies and Deception. This has forced me to keep and pay for something I don't want!!!!! I have contacted this company many times by email, online chat and phone! Only to be ignored, I have been bullied by this company and my good credit has been damaged by Acima with their fraudulent business practices. 

I first contacted you all in XXXX of 2021 to cancel this account and pick-up the items... Again cancel this account ASAP and Pick-up the items. 
I DEMAND THAT THIS ACCOUNT BE REMOVE FROM MY CREDIT REPORT. I WILL TAKE ANY AND EVERY OPTION LEGALLY TO FIX THIS MATTER. And Acima is breaking the law for reporting late payments doing THE XXXX pandemic. 
This will be reported to XXXX, Consumer Finance Protection BureaXXXX, The Credit Bureau, The Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiry on my credit report despite them contacting me and telling me that they could not work with me because I am a XXXX XXXX ( after I initially applied because I was assured that they could work with me because I am in a XXXX program ). This inquiry never should have made and is now unjustly a negative mark on my credit.

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 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion

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 2021-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX/Equifax/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$8300.00} XXXX XXXX XXXX XXXX  XXXX Balance {$7200.00} XXXX XXXX XXXX XXXX XXXX Balance {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: SC

Complaint narrative:
I was out of town a week ago and CarMax had my car repossed. It was picked up and it left me stranded 3 hours from home. They told me that I had 17 days to pay a little over {$2100.00}. There is no way that I can get this much. If I had it, it would have never gotten repossed. I have been trying to call for 3 days now to ask if I could at least pay {$1400.00} to get my car back. I have been on hold for over an hour. I can't just sit on hold at work because I have a job to do. I do not know any other way to get in touch with someone. I really need my car back and do not time to run out because I can't get anyone on the phone, I need someone to call me and work with me.

Company response to consumer: Closed with explanation