vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 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: FL

Complaint narrative:
Due to possible inaccuracies in these CRA report, I must demand that the validation I herebly lawfully request be in form of a notarized statement by person with original knowledge of the debt as it was constituted and who can testify that debt was incurred legally product, was not subsequently disputed as result of returned, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address, rather, I am requesting validation, i.e., competent evidens that i had some contractual obligation sans consumer protection encumbrance which the original claims associated with this tradeline. 
Please know thet you have 30 days from the tracked and delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notation from the CRA reports.

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 2020-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XX/XX/2020 I went to deposit a check into the ATM at XXXX, OHIO. 
I am from XXXX, pa but was on my way to a friend 's house to spend the night. 
The ATM said " this service is not available '' after I pressed " deposit ''. 
I was furious!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
And then I called the horrid 800 number, and was on hold for 45minutes!!!!!!!!!!!!!!!!! 
That is totally unacceptable!!!!!!!!!!!!!!!! And it cost me XXXX XXXX a minute with my cell phone to boot!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
I had to drive all the way back to XXXX, PA, over 25miles one way to deposit in the ATM!!! 
That is the MOST HORRIBLE SERVICE I EVER EXPERIENCED IN AN ATM!!!!!!!!!! 
IF IT DOESNT WORK, SHUT IT DOWN, PUT A BLASTED SIGN ON IT!!!!!!!!!!!!!! 
THIS HAS HAPPENED AT THAT BRANCH MULTIPLE TIMES!!!!!! 
THOSE XXXX  THAT " WORK '' THERE SHOULD BE FIRED!!!!!!!!!!!!!!!!! 
HOW DARE THEY LET IT GO LIKE THAT AND NOT PUT UP A SIGN!!!!!!!!!!!!! 

FINE THEM AS MUCH AS POSSIBLE!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: NY

Complaint narrative:
I spoke with XXXX on XX/XX/XXXX to make three accounts current ( and out of forbearance ) and confirm that this would be updated with the credit bureaus prior to a XXXX closing date. 

I called XXXX to confirm at the end of the month and then almost every single business day since XX/XX/XXXX to ensure this was updated appropriately with the bureaus. 

However, as of XX/XX/XXXX all three accounts have not been appropriately updated with all bureaus as out of forbearance, and this is holding up my closing per XXXX guidelines. I have now been charged the EMD ( earnest money deposit ) of {$3000.00} for defaulting on the contract and despite more than 20 calls over the past several weeks, they have failed to correct a single account, although they have updated the bureaus with the loan balances.

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 2020-07-28 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: NY

Complaint narrative:
I spoke with XXXX on XX/XX/XXXX to make three accounts current ( and out of forbearance ) and confirm that this would be updated with the credit bureaus prior to a XXXX closing date. 

I called XXXX to confirm at the end of the month and then almost every single business day since XX/XX/XXXX to ensure this was updated appropriately with the bureaus. 

However, as of XX/XX/XXXX all three accounts have not been appropriately updated with all bureaus as out of forbearance, and this is holding up my closing per XXXX guidelines. I have now been charged the EMD ( earnest money deposit ) of {$3000.00} for defaulting on the contract and despite more than 20 calls over the past several weeks, they have failed to correct a single account, although they have updated the bureaus with the loan balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I spoke with XXXX on XX/XX/XXXX to make three accounts current ( and out of forbearance ) and confirm that this would be updated with the credit bureaus prior to a XXXX closing date. 

I called XXXX to confirm at the end of the month and then almost every single business day since XX/XX/XXXX to ensure this was updated appropriately with the bureaus. 

However, as of XX/XX/XXXX all three accounts have not been appropriately updated with all bureaus as out of forbearance, and this is holding up my closing per XXXX guidelines. I have now been charged the EMD ( earnest money deposit ) of {$3000.00} for defaulting on the contract and despite more than 20 calls over the past several weeks, they have failed to correct a single account, although they have updated the bureaus with the loan balances.

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 2020-07-28 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:
Unable to link my account with XXXX, XXXX XXXX, and other payment/savings sites. This is unacceptable when other banks allow it so easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We had a mortgage with Wells Fargo Home Mortgage. During the life of our loan, we paid {$87.00} monthly for PMI insurance. These payments typically post the third week of the month. We paid off our loan on XX/XX/2020. When reviewing our escrow account, we noticed that we were charged {$170.00} on XX/XX/2020. We called Wells Fargo for more information on the payment. We were told by a Wells Fargo representative that our PMI is paid in arrears. The explanation for the charge was that since we paid off our loan later in the month, that we also had to pay for XXXX PMI. This does not align with the representatives statement that PMI was paid in arrears.

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 2020-07-28 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX Invoice was recoded and resubmitted to XXXX. Insurance covered 100 % of the invoice, no out of pocket payment. Radius is still reported this debt even though it's been communicated by XXXX that this debt/invoice was paid in full by insurance.

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 2020-07-28 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: WY

Complaint narrative:
I have sent numerous dispute letters to Equifax to dispute the fraud inquiry 's on my credit report and they failed to respond or remove off my credit report. XXXX and XXXX has successful removed them but Equilfax will not respond. These fraud inquires are damaging my credit, and stopping me from getting in any type of credit or even a rental to live in. I have send in a police report numerous times as well and have yet heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE OFF ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623, IM DEMANDING THE REMOVAL OF THEM

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 2020-07-28 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: IL

Complaint narrative:
XXXX XXXX keeps showing up on my credit report and its is fraud and a scam that is not my fault I already showed them my police report and FBI report also but still they have not taken it off my credit report XXXX XXXX ending in XXXX I would like this taken off my report asap

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 2020-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: CA

Complaint narrative:
I received a letter from American Coradius International claiming that I owed XXXX, XXXX {$960.00}. I called XXXX XXXX, who is the only part of XXXX I could owe money to and they said it is not from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: FL

Complaint narrative:
Due to possible inaccuracies in these CRA report, I must demand that the validation I herebly lawfully request be in form of a notarized statement by person with original knowledge of the debt as it was constituted and who can testify that debt was incurred legally product, was not subsequently disputed as result of returned, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address, rather, I am requesting validation, i.e., competent evidens that i had some contractual obligation sans consumer protection encumbrance which the original claims associated with this tradeline. 
Please know thet you have 30 days from the tracked and delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notation from the CRA reports.

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 2020-07-28 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: FL

Complaint narrative:
Due to possible inaccuracies in these CRA report, I must demand that the validation I herebly lawfully request be in form of a notarized statement by person with original knowledge of the debt as it was constituted and who can testify that debt was incurred legally product, was not subsequently disputed as result of returned, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address, rather, I am requesting validation, i.e., competent evidens that i had some contractual obligation sans consumer protection encumbrance which the original claims associated with this tradeline. 
Please know thet you have 30 days from the tracked and delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notation from the CRA reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Transunion XXXX. XXXX XXXX  XXXX, PA XXXX XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX  ) 2. ( XXXX  XXXX  ) 3. ( XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 2020-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: CA

Complaint narrative:
I have had a Personify Financial loan since XX/XX/XXXX. As part of the set up of the loan, I elected to have Personify Financial automatically charge me every two weeks per the loan agreement. There was no issues until XX/XX/XXXX which is one of my scheduled payment dates. The payment was deducted from my bank account as usual ( my bank account was debited {$160.00} ) but was reversed ( money was still debited, there's no refund or credit on my bank account statement ). As part of the loan agreement, after a set amount of on-time payments there is a reduction in interest by 2 %. At the time my loan rate was supposed to decrease from 53.40 % to 51.40 % and my new monthly payment was supposed to be {$160.00}. On XX/XX/XXXX there was a charge for {$74.00} that appeared but since I was on auto-pay I did not worry because my assumption was that the normal amount would be debited. Fast forward to XXXX XXXX XXXX, I noticed my account was in bad standing and that I owed two payments. I immediately attempted to contact Personify who advertised their customer service hours as being available from XXXX to XXXX yet I was always met with a message that their center was closed despite it being early noon. I decided to email them and it stated that I would receive a response but have yet to receive a response. This was over a month ago and as a result, I have paid more interest that I would have had the payment been processed normally. There are no issues with my bank account and it was only until XX/XX/XXXX ( one month and two days later ) that the company notified me that my payment had been late. Since I have not heard a response from the company, I have decided to file a complaint in hopes of getting this addressed finally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: IL

Complaint narrative:
XXXX Card keeps showing up on my credit report and its is fraud and a scam that is not my fault I already showed them my police report and FBI report also but still they have not taken it off my credit report XXXX  Card ending in XXXX I would like this taken off my report asap

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 2020-07-28 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: CA

Complaint narrative:
I applied for a personal loan at XXXX today XX/XX/20 but I was not approved. They told me the reason they were not able to approve me for a loan was because there are accounts reflecting negatively on my credit. I looked through my credit report and I saw accounts from these companies that do not belong to me. XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with those companies nor do I have any written or verbal contract with them. I have never given anyone permission to open any account on my behalf and I did not gain anything as a result of those accounts that were opened in my name such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a personal loan at XXXX today XX/XX/20 but I was not approved. They told me the reason they were not able to approve me for a loan was because there are accounts reflecting negatively on my credit. I looked through my credit report and I saw accounts from these companies that do not belong to me. XXXX, XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with those companies nor do I have any written or verbal contract with them. I have never given anyone permission to open any account on my behalf and I did not gain anything as a result of those accounts that were opened in my name such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-07-28 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: CA

Complaint narrative:
I applied for a personal loan at XXXX today XX/XX/20 but I was not approved. They told me the reason they were not able to approve me for a loan was because there are accounts reflecting negatively on my credit. I looked through my credit report and I saw accounts from these companies that do not belong to me. XXXX, XXXX  XXXX, XXXX  XXXX  and XXXX XXXX XXXX. I have never opened an account with those companies nor do I have any written or verbal contract with them. I have never given anyone permission to open any account on my behalf and I did not gain anything as a result of those accounts that were opened in my name such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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