vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: IN

Complaint narrative:
Arvest Central Mortgage began servicing my mortgage on my home in XX/XX/XXXX after the purchase of my home. Since that time, I have paid a bi-weekly payment to Arvest of {$1200.00}, with the last {$1200.00} being paid before the XXXX of each month to ensure the monthly payment is not late. Rather than applying my payments each month to the mortgage, Arvest instead applies the payment to " unapplied payments '' or " principal '', depending on their fancy. Each month, I have had to call and remind them the payment is a half payment and the other payment will be paid before the due date. In XX/XX/XXXX, Arvest reported my XX/XX/XXXX payment as late, causing my credit score to drop by 150 points, although they had received a full month 's payment and simply added the first payment to unapplied funds. 
I reached out to Arvest, the three reporting agencies and indicated there was an error and provided copies of my bank statements to verify the payment of my mortgage in a timely fashion. Despite this, Arvest has refused to update its reporting and has caused me financial harm by erroneously reporting my payment history, and willfully refusing to update it to indicate that it received my mortgage payment in a timely manner. I would greatly appreciate assistance in having my payment history updated to remove this error. 

Thank you, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX - I was waiting for a new credit card to arrive in the mail, but I checked my account and there was already a charge on the credit card for {$640.00} from a XXXX   I immediately contacted Chase and they said that they would cancel the card and " take care of it ''. 

XX/XX/XXXX - the charge returned onto my credit card bill with a letter stating that I " received benefit from this transaction ''. I tried disputing again, but no response from Chase. 

XX/XX/XXXX - I filed a police report ; no response from Chase. 

After attempting to dispute multiple times, each ending in a letter stating that the transaction is valid with no explanation, I received a call from Chase. The person on the line told me that this transaction was deemed valid because I had apparently activated the credit card from my home phone number. This was impossible because I did not even receive the card in the mail. I contacted the legal department at my phone company, XXXX, and requested a call log for the month of XXXX. According to the call log, I had not placed any such call. I sent the evidence to Chase. 

XX/XX/XXXX - Another letter stating that the transaction is valid, without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: CA

Complaint narrative:
The credit bureaus don't answer the phone and the on line dispute center has not worked in over a month.

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 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank will not allow me to link my checking account with any of the apps that I would like to use for assistance in overdraft protection and financial guidance. I should be able to link my account with any company that I choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Fidelity Services, LLC
State: TN

Complaint narrative:
I have multiple family members that have received calls stating I owe a debt that has not been paid off. They already have my email, my work phone and my personal cell phone numbers to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent dispute letters time and time again to update my report and dispute inaccuracies. Company is not updating or responding to any of my request.

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 2020-06-03 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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Santander should of been removed from all of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have used XXXX  for over a year and now PNC has blocked it and I can no longer access my account with the XXXX  app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
During payment process of my loan, the mortgage servicing company failed to withdraw one of the monthly payments. I called them on this several times, had it escalated but was told each time that everything was current on the loan and to just leave alone. Ive have never missed a payment. 
Later, I refinanced my mortgage with a new lender. The original loan was paid off and I received the released of the deed of reconveyed as confirmation. 
3 weeks later the original mortgage company reached out to escrow saying that the payoff was short. Escrow asked for explanation and none was given. I mentioned to escrow what was probably the cause of the issue but then the mortgage company returned the money back to the escrow company and re-open the loan. 
Ever since myself and escrow have been trying to work with them on this. The mortgage servicing company has been investigating but at the same time is sending me foreclosure warnings and now want to move forward with it. 
They have found part of what caused the problem on their side but are now refusing to address the issue and want to charge me for additional payments ( on top of the one they failed to withdraw ) after the loan was closed when I refinanced.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus don't answer the phone and the on line dispute center has not worked in over a month.

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 2020-06-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus don't answer the phone and the on line dispute center has not worked in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Thank you for your time. I am expressing my frustration with PNC Bank due to their refusal to link my bank account, at my instruction, to a service that provides debit cards for my teenage children to receive allowance. 

Paying allowances can be a tad frustrating. We link allowance directly to extraordinary tasks that the kids choose to do as " work. '' XXXX offers a secure debit card system that is a way to both preserve their earnings, and to teach them to manage their earnings/create savings in an appropriate setting. They are XXXX, XXXX, and XXXX. Giving them change no longer works. 

As a customer, as a mother, I am frustrated that I'm not allowed to enter my information and allow the link between my funding source and the place I want to direct funds. PNC 's refusal to follow my request without explaining the cause is both inappropriate and frustrating. It is my money. If they choose not to allow funding to this credible, recognized business, they need to disclose that in advance. 

Raising children to be responsible adults includes learning how to manage money in real time. I depend upon the partnerships formed in the financial, insurance, and educational worlds to help support my mission as a mother. I expected more of them than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
inquiries stil on my re [ ort after 2 years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Currently I am in the midst of pursing several complaints against New Rez/Shellpoint for multiple wrongdoings. However, just yesterday, I encountered another issue with this untrustworthy institution. The latest occurrence has to do with Shellpoint falsely sending me an approval for a Forbearance Plan that I have never requested ( see attached " Shellpoint '' doc ) and will not accept. This is tremendously concerning and I want something to be done about Shellpoint immediately. Forbearance is for people who are struggling to make payments and/or are behind on their payments which is not the case in my situation at all. As per the attached document from Shellpoint, this is not the case for me now or ever. I am current through XX/XX/2020 and I have never missed a payment, nor have I ever applied for Forbearance at New Rez/Shellpoint ( see attached " Shellpoint_Current Status '' ). While I have read material on their website regarding Forbearance when making my monthly payments because its prompted when you log in, I have not applied, nor do I intend to. Therefore, the attached letter I received yesterday appears to be another gimmick by Shellpoint and part of an ongoing scheme to defraud customers. My concern is that they can somehow report this to the credit bureau which can be harmful to my credit ratings and I will be forced to pursuit legal action against New Rez/Shellpoint. For the record, I want my name removed from any program associated with any type of Forbearance at New Rez/Shellpoint as I will not accept any such offer. I am hereby requesting that Shellpoint send me a written statement indicating that the letter sent to me was sent in error and that I am not in any such plan, and that they will not submit any information to the credit bureaus saying that I am in a Forbearance Agreement. Again, I am imploring the proper authorities to please do something about this company. 

cc : NJ Consumer Affairs Attorney General Office of NJ Department of Banking & Insurance of NJ

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Inquiry still appears after 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I was reviewing my account and seen THE CBE GROUP # XXXX collection inserted on my credit report. I never received any information about this bill and never had a chance to dispute the information. This has impacted my credit report and score and I'm not very happy. They should be sue

d as they are i n violation of my rights and causing me issues. Please provide the Validation of Debt and Method of Verification for t his account. This does not make sense how companies are allowed to as such and effect you in negative way. I have no idea of what this account came from ... 

The dates do even make sense. Opened on XX/XX/XXXX, but opened on XX/XX/XXXX. That sounds a little backwards to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US DEPARTMENT OF EDU 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 2020-06-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU 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 2020-06-03 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-06-03 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-06-03 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX   XXXX {$350.00} EQUIFAX XXXX {$360.00} XXXX XXXX XXXX {$830.00} XXXX DEPT OF ED XXXX {$1000.00}

Company response to consumer: Closed with explanation