vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
As part of my closing and a refinance, BJs Master Card ( Comenity Bank ) was paid by the closing law firm of XXXX XXXX XXXX. This law firm sent BJs a payment on XX/XX/2021 after the refi. closing on XX/XX/2021. The payment was deposited into Capital Comenity Bank on XX/XX/2021 which would have given me a XXXX  balance. I needed this done to close on a new property I am in the process to purchase. I sent Comenity Bank a copy ( emailed from the closing attorney ) a copy of the check with their stamp on it, " XX/XX/2021, Capital Comenity Bank ''. Comenity stated it would be up 90 days for them to investigate where the money went. I'm still being charged interest fees on an account that should be showing a XXXX  balance. I've never been late on a payment, always pay more than the due amount, always pay early. I've been a great customer. 

Absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: NJ

Complaint narrative:
I Am a PROTECTED CONSUMER. I sent all the credit reporting agencies a letter stating these accounts were inaccurate and fraudulent. they were supposed to remove all the accounts after 4 days of receiving my official statement on XX/XX/2021, but it is now XX/XX/2021 and these accounts are still reporting on my credit report. the FCRA says that is illegal because they are supposed to report accurately and fairly. I am asking that the CFPB please take immediate action and force these companies to abide by the TILA, FDCPA, FCRA laws. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. also Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2021-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Nelnet, Inc.
State: VT

Complaint narrative:
My issue is actually about not being able to access information about my account. I would like to know the payoff amount so that I can pay the loan off, but have not received a response despite multiple communications. My loan is through XXXX XXXX, but their loan servicer is Firstmark Services On XX/XX/2021 I emailed Firstmark Services because my account was locked, I was unable to unlock it online and I was unable to get through to them by phone. I also asked to switch to paper statements since this is not the first time I have had trouble logging into my account. 

On XX/XX/2021, Firstmark sent  me an email through a secure link stating that a representative would reach out to me by phone and that I would need to allow 24-48 hours. 

On XX/XX/2021, I emailed again because I had not received a phone call from Firstmark. I again asked to be switched to paper statements and for help unlocking my account. 

On XX/XX/2021, XXXX XXXX from Firstmark sent me an email stating that they could not answer my question without further information. 

On XX/XX/2021, I replied to Firstmark with the information they requested. 

On XX/XX/2021, XXXX XXXX from Firstmark sent me an email stating that they could not answer my email without further information. 

On XX/XX/2021, I mailed a letter to Firstmark Services detailing all the steps I had taken to reach them, including copies of all of the correspondence since XX/XX/XXXX, XXXX as of today XX/XX/2021, I have still not received a response. My letter also requested a payoff amount, that my statements be changed to paper statements and that I would be filing a complaint with the Consumer Finance Bureau if I did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: CA

Complaint narrative:
This involves my PNC Bank checking account. I do not have any form of overdraft protection with my PNC account. They are supposed to decline charges. However, on XX/XX/21, I was charged two {XXXX} overdraft fees ( {XXXX} ) for two charges totaling less than {XXXX}. In addition : there was a pending deposit on the account sent the previous day around XXXX, which would and should have prevented the overdrafts. In addition to that, I am signed up for account alerts, including overdrafts, on my account. PNC did not notify me of any overdrafts until AFTER the fees had been charged. 

The first point makes it illegal to do what PNC did. The second two illustrate how this bank is unethical and not acting in good faith towards its customers, instead trying to milk fees out of them even if it involves shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: NJ

Complaint narrative:
I Am a PROTECTED CONSUMER. I sent all the credit reporting agencies a letter stating these accounts were inaccurate and fraudulent. they were supposed to remove all the accounts after 4 days of receiving my official statement on XX/XX/2021, but it is now XX/XX/2021 and these accounts are still reporting on my credit report. the FCRA says that is illegal because they are supposed to report accurately and fairly. I am asking that the CFPB please take immediate action and force these companies to abide by the TILA, FDCPA, FCRA laws. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. also Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My fiance called in on XX/XX/14 to obtain information as to what we needed to do to get my income driven payment plan in writing for the bank that is handling our mortage. When she called and spoke with XXXX it was a very long extended wait period to speak with someone as she reached a new person. When XXXX got on the line we refused to give her information on how I can get the request expediated. He wouldn't even tell her the procedure or what I needed to do to obtain the information. He didn't need account specifics to tell her that information. I need to know how to get the document of what my payment will be monthly so I can send it over to the bank. I submitted this request several days ago and can't wait 3 weeks for it per the email that Greak Lakes sent me. Thank you. The documents that were requested from Great Lakes has been submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX performed a VA appraisal for Pentagon Federal Credit Union. The appraisal was completed, submitted, and invoiced on XX/XX/XXXX in the amount of {XXXX}, the standard charge for a VA appraisal in XXXX XXXX, Virginia. On XX/XX/XXXX, when payment had not been received, the invoice was resent by email. On XX/XX/XXXX, the email was again resent by email with an added late fee. At no time was a response or payment received. On XX/XX/XXXX, XXXX XXXX, the POC for this appraisal was called. A message was left requesting a return call that day. No call was received. On XX/XX/XXXX, we went to the Pentagon Federal Credit Union website in an attempt to locate contact information that might lead us to accounts payable. After many transfers and 45 minutes on the phone, we were cut off. At this point, the last resort left was to file a complaint through the website regarding nonpayment and upload the extremely past due invoice. 

The results were the same - no response, no payment.

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Todd, Bremer & Lawson, Inc.
State: TX

Complaint narrative:
Todd, Bremer & Lawson , Inc. is reporting an account to consumer reporting agencies and in doing do they are in violation of 15 U.S. Code 6802 ( b ) ( 1 ) which states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 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. I was never given the opportunity as mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) nor an explanation of how to exercise the non-disclosure option mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) in order to not have a personal account reported to consumer reporting agencies. This account should be removed from all consumer reporting agencies pursuant to 15 U.S.Code 6802 ( b ) ( 1 ) ( B ), and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Unitas Lending, LLC
State: FL

Complaint narrative:
I, XXXX XXXX, contacted Mr. XXXX XXXX at Unitas Lending LLC to refinance my mortgage in an attempt to remove my ex-husband from the mortgage of my house. I expected to obtain a refinance of the mortgage loan for myself and my boyfriend XXXX XXXX at this address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX. I gave Unitas all necessary information to obtain the mortgage in my name, using XXXX XXXX as a co-borrower. XXXX XXXX from Unitas Lending contacted me on a Sunday night to rush me to watch a video that explained a loan estimate that they required me to sign to go forward with the refinance process. I have the video saved if you need the link, which clearly indicates the online signing of my name and XXXX XXXX 's name is for just a high loan estimate only, not the actual refinance of the mortgage. After the video, XXXX XXXX and I were rushed by XXXX XXXX to sign the so call estimate. The next day, XXXX XXXX received a large packet of documents in his name with a loan number # XXXX from XXXX XXXX XXXXXXXX XXXX. Nowhere in the documents was I listed as a borrower! The documentation shows the complete mortgage with dates due and a payment schedule among many other details. There was no closing, no finalization of the refinance, and no final discussion of approval of any loan. I attempted to contact Unitas Lending but they had failed to respond as of yet. They told me they would call me but after a week, they had not called. They had not explained to me what is going on. This is fraud as I did not authorize any of these actions to finalize this loan, which is an equity loan. I would never sold my place of residence to XXXX XXXX and not be on the Loan myself. I would never had signed any documents had I known this was going to happen. i am a senior and i am XXXX and i was manipulated and taken advantage of because of my XXXX. Please can you help me stop this company from taking advantage of XXXX people. thank you for your time and Help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: MD

Complaint narrative:
I have been charged an amount when I previously paid the amount in full. I also notified the company which submitted documentation as a law firm and not a debt collector. This inaccurate information was still placed on my credit file of all three credit bureau which has significantly affected my credit score. The rental contract was scheduled to end on XX/XX/2020. I departed and submitted all keys on XX/XX/2020. Also per the documentation I have provided all fees had been paid as of XX/XX/2020. Please view that the amounts owed were addressing the dates from XX/XX/2020 until XX/XX/2020.

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 2021-06-14 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following companies XXXX  and Experian continue to list a bankruptcy on my credit report. I have contacted both of these companies by phone fax and certified mail. I have contacted then in XXXX, XXXX, XXXX and now XXXX. I have contacted the US Bankruptcy court and they report they did not share this information or nor would they. Where dis this derogatory reports come from? I haven't been able to obtain employment due to this? I have been denied credit due to this. 

This information is incorrect and inaccurate and I would like it to be reinvestigated and removed. 

I also called both agencies this morning without any success. It's still being reported on my credit report as of this morning!

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 2021-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Can not access my Cash App ( XXXX XXXX ) account. My bank account that was connected to it was hacked ( XXXX ) and the hacker used Cash Apps name during the hacking. After seven to eight attempts to get cash app to assist me in getting into my account they have not given me any assistance. I have responded to their request for helpl and continue to do so till this day and continue to do so. The hacking occurred on XX/XX/XXXX or XXXX when i checked my account that morning. I had over {XXXX} in stocks, Bitcoins and cash in the account prior to this hacking. You can only communicate with them through email I have called lthelm and there is know way to talk to a live person. Each time I contact them through email they send the same reply from a different person response. My email is the same XXXX I have only used this email address since dealing with Cash App. they will not take the time to research that email to see if it is connected to my old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX made a Typo in my SSN number entry that led to incorrect SSN number update in Experian, XXXX  and XXXX  records. 

This further caused issue in my Federal Refund that is now delayed, IRS issued letter XXXX which requires me to verify my id on www.idverify.irs.gov that uses Experian for reference and the online ID verifications are failing. 

I suspected and then got the typo in my SSN corrected at XXXX XXXX XXXX on XX/XX/2021, and also raised individual dispute cases with XXXX, Experian & XXXX  , however my SSN data have still not been corrected. Experian 's dispute notification now incorrectly states 'The issue date of Social Security number that you gave us when you contacted us is not verified by the Social Security Administration ', while infact they did not ask me for this information during my phone call with them, and the documents that I have uploaded for them are scanned copies of my original SSN card, W2 and my license. 

I am now unsure if it is a XXXX problem or Experian, and they are making me go pillar to post without taking full accountability to correct my personal information in their records.

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 2021-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was trying to buy a laptop at Best Buy. There was a sign advertising 10 % off of you opened a card that day and the rep sold it to me. He opens a credit card with citi on the phone and I am approved. Then we go to try to use it, and citi says they cant verify my id after having just taken all my information to open a credit line in my name because I bank with XXXX  and not citi. I asked the guy how often this happens that someone opens an account and cant use it. He said often. 

During the application process on the phone, they collected my social security number and replayed on speaker phone to the whole department. 

I ended up paying with my own XXXX  credit card at full price even though citi now had collected all this information on me which they will likely now sell and Best Buy promised 10 % off. 

So I want to expunge this fraudulently opened account from my credit report. It was opened in bad faith. 

I tried mediation with citi through the AG. They did not cooperate and the NY AG told me to go to small claims for the XXXX dollars. 

I have since returned the laptop. I dont want this fraudulently opened card on my credit report The NYAG intake number is Intake # 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 2021-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Three overdraft charges this month of 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 monetary relief
Consumer complaint received 2021-06-14 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: NY

Complaint narrative:
On XX/XX/2021 XXXX and XXXX XXXX  service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with equifax and they havent verified from the companies that i authorized them to get a copy of my credit report i sent equifax a letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: NC

Complaint narrative:
Multiple accounts on my credit report that I do not recognize

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 2021-06-14 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: NC

Complaint narrative:
Multiple accounts on my credit report that I do not recognize

Company response to consumer: Closed with explanation