vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 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:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. 
after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B,  15 U.S.C. 1681c-, And police report. 
after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: AZ

Complaint narrative:
Negative reporting from XXXX XXXX We have account info data that the mobile phone was paid in full in XXXX and the insurance premium care of XXXX was canceled and we have documentation from XXXX to confirm. Unable to reach out to company or talk with anyone in the credit Dept but yet we can log into my account and it shows it's paid in full and cancelled. Please help we have perfect credit and this is incorrect and a big inconvenience Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: AZ

Complaint narrative:
Negative reporting from XXXX XXXX We have account info data that the mobile phone was paid in full in XXXX and the insurance premium care of XXXX was canceled and we have documentation from XXXX to confirm. Unable to reach out to company or talk with anyone in the credit Dept but yet we can log into my account and it shows it's paid in full and cancelled. Please help we have perfect credit and this is incorrect and a big inconvenience Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have a us bank reliacard which I used for a month and a half until about XX/XX/XXXX I tried to use it was declined. I call cust serv they say it's locked and I must send docs for verification which they received on XX/XX/XXXX. As I've called everyday waiting hours on hold for them to tell me nothing they know nothing and haven't even looked at my documents. Now XX/XX/XXXX I call and they say the pic id I faxed and also uploaded to the site they couldn't read it!!!!! Really the Id I took photo of with my 64 meg pix camera phone XXXX!!! This so called bank had been giving me the run-around for weeks while I'm left broke and no way to access my money. They are a disgusting and pathetic excuse for a bank. I've never been treated so poorly in my life!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
It's a new loan and I'm trying to set up payments. There is a department that allegedly handles online banking issues with whom I've had 7 phone calls in which they have variously blamed me, my phone,  XXXX and their own customer service department. None of these are the cause for the bank 's inability to send a confirmation text message to allow me to use it's online banking. 

I will have no choice but to mail in a check to make my first payment and I will do so. But I just want to talk to someone who isn't in the online banking department who understands that I do not have a problem with receiving a text message, the bank has a problem with sending one. 

I have spoken with individuals at local BBVA branches who have been unable to get in touch with anyone except the worthless online banking department. I've tried to have a three-way call with the online banking department and XXXX, but the online banking department hung up on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This account was openly fraudulently and the authorized user was add fraudulently as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I first realized my account was locked on XX/XX/20. After calling waiting on hold over an hour I was told the account was froze due to my recent address update change and they needed me to verify my identity which would consist of me faxing my legal documents ID social taxes lease and a bill showing my new address. I complied and did so calling the next day on XX/XX/XXXX to confirm that documents were received I said yes to wait 5 days and call back. I called on the fifth day just to be told they couldn't unlock my account because they couldn't read the documents I had faxed. Once again I have to pay to have faxes sent each time this has gone on for almost a month now total I call every single day and speak to somebody I've even spoken to supervisors multiple times just to be told my accounts being reviewed and or my documents were not accepted. My ID card does not match my new address because I just moved and in order to get a new card I would have to purchase another one to change my address. That would require me using funds on the card that they have Frozen. There is no excuse or reason why my account has been locked this long I have no access to my money my bills are all past due I don't have any food on my table and my electricity is on the verge of being shut off. There is no way to contact the fraud department that's supposedly overseas and verifies address & identification. All I did was change my address online thinking it was the right thing to do considering they never mail me anything I just have an online account that I use to get my unemployment benefits loaded onto. I don't know why my voter ID card has not worked with my new address on it or my recent bills with my new address and my name, my lease agreement with my name, address on it have NOT been acceptable?! I've made numerous attempts to get this handled multiple times a week with no avail & nobody can give me answers or direct me on who to talk to that has the power to unlock my card I need help immediately for this situation has become an urgent and serious matter. As of today XX/XX/20 my account is still waiting to be reviewed after reflecting and uploading all my documents once again to them at the beginning of the week. Please help me resolve this and get my funds back to me before I am out on the XXXX, XXXX from not being able to pay my rent. 

Sincerely, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHERN TRUST MORTGAGE LLC
State: VA

Complaint narrative:
I am aXX/XX/XXXX XXXX veteran and I was attempting to purchase a home that was new construction. The home was XXXX and I was already pre aprroved through XXXX XXXX  for up to XXXX but the builder and they realtor was requiring me to have his bank look over my application to see if they would be able to approve my loan. They were forcing me to have their lender look over my credit to see if they would approve my loan. They were also giving an incentive of 2 % on closing costs if I used their lender but refused to offer it to me because I refused to utilize thier lender. I had already chosen XXXX XXXX  to do my mortgage. I had no affiliation with XXXX XXXX  so I refused to let them go over my credit. they refused to sell me the house if I didn't let their lender which was XXXX XXXX  look over my credit. I refused to let XXXX review my credit so they refused my offer for the house. I subsequently bought a XXXX house 2 weeks later with no problem. I feel like they discriminated against me due to the fact that my Mortgage Company and my Realtor are both XXXXXX/XX/XXXX owed and because I am also XXXX XXXX. I'm filing this claim because I know tht they have done this to other XXXX veterans

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Reviewed my credit report last month and is showing ( JPMCB ) as reported balance of {$4100.00} with all National Credit Bureaus. In the past I have requested validation of this alleged account of which I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX Actt # XXXX claiming i owe {$6700.00} after paying on XX/XX/2020 {$2800.00} settlement agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
U.S. Bank 's Reliacard was chosen by the Commonwealth of Pennsylvania to handle the disbursement of unemployment  compensation. In early XXXX, U.S. Bank removed the " button '' from their website that permitted transfers to another financial institution. The only other way to access the funds in the account are to use the card as a credit card. Unfortunately, I have to pay rent and reimburse people for utilities, something I can not do with a credit card. I have made repeated attempts to contact U.S. Bank at a variety of telephone numbers. When you call, approximately half the times I called, an automated message told me that due to high call volume I would need to try again later and the call is disconnected. If I am able to make it into the hold queue, I wait on hold for 30-45 minutes and then someone picks up the call but does not speak. They wait about 2 minutes and then they hang  up, disconnecting the call. There is no way for me to access the thousands of dollars in the account and there is no way to contact them about the problem. I am personally aware of 4 other people who are experiencing the same issue as I am and numerous websites are reporting that this is not an isolated circumstance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: IL

Complaint narrative:
In XX/XX/2020 during the initial onset of COVID-19, I called PNC and specifically asked how forbearance would affect my credit reporting because I was skeptical about entering into a forbearance program. The agent told me on a recorded line that the loan would be marked " paid as agreed. '' Based on this information I entered the forbearance plan. During the forbearance plan period, I continued to make regular payments as usual. It turned out that I was able to get an emergency loan and I did not need the forbearance plan at all. After 3 months, I exited the forbearance plan and continued to pay the loan on time as agreed. 

Today, my credit report shows my PNC loan payments for XXXX, XXXX, and XXXX marked as " No data '', with only the XXXX payment " Paid as Agreed. '' In addition, the loan account falsely continues to have the remark " Affected by a natural disaster. '' As a result of this, I have been denied a new home loan. 

PNC lied to me about how forbearance would impact my credit reporting. I know for a fact that other companies are not reporting forbearance in this way. I used forbearance as a safety net, made regular payments and exited the program as quickly as possible, and PNC believes I should suffer with a scarlet letter on my credit report for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Certegy Holdings, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. On XX/XX/XXXX I mailed an order to a company called XXXX  XXXX. My payment was by check written on a XXXX XXXX account that I have had for years. The account balance was more than sufficient to cover the check. On XX/XX/XXXX I received from XXXX XXXX an unsealed envelope containing my original check and order, and with a generic note from a company called " Certegy '' indicating that that XXXX XXXX   was " unable '' to proceed with my transaction because the check had been flagged for some unknown reason by this sinister, invisible " Certegy '' cabal. I called Certegy 's " customer service '' number and screamed at a robot for 20 minutes, who never transferred me to a human being, but advised me that if I wanted the courtesy of a report advising me why they interfered with my transaction and defamed me I would have to supply them with the following : my bank account number, the routing number, my social security number and a photocopy of a government issued ID. Having the use of my mental faculties, I declined this frankly ludicrous proposition. At that point, I went to Certegy 's web site to file a complaint, and was directed to you fine people. I can be reached at ( XXXX ) XXXX or XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A blonde female employee gave me do-not-bother-me attitude and pointed at instead of walking me to teller line. XXXX and another female employee were polite with no idea how to help me, mean while an oriental male employee was minding his own business. 

I received a dormant account notice for a CD non-exist to me. I understood I could be penalized with fees for early CD withdrawal and I had to leave for another appointment. 
XXXX promised to call me back next morning without why and what. Someone opened the CD without my knowledge. 

I did not recall any apology from 4 employees at Santander Bank XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Reviewed my credit report last month and is showing Wells Fargo as reported balance of {$1400.00} with all National Credit Bureaus. I have made several attempts for validation of this alleged account. Til date I have not received any validation of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
I have made numerous attempts to close my membership with XXXX XXXX. I sent a cancellation letter by certified mail on XX/XX/XXXX, I also included a letter from my doctors office explaining that I have health conditions that are high-risk for covid-19. I am unable to attend a gym. I did not receive a response from XXXX XXXX. 

On XX/XX/XXXX I personally went to XXXX XXXX and handed a copy of my contract, letter from my doctor directly to the owners of XXXX XXXX, which both stated, dont worry about this, well take care of it. You are now threatening me with collections. 
. 
According to XXXX XXXX 's agreement in section XXXX. It states, if, by reason of death or XXXX, you are unable to receive all of the services for which you contracted under this XXXX, you and your estate shall be relived from the obligation of making payment for services not taken prior to your death or onset of XXXX. If you prepaid any sum for services, so much of the sum as is allocable to services not taken prior to your death or XXXX shall be promptly refunded to you For the purposes of this provision XXXX means a condition which precludes you from physically using the facilities. Your XXXX must be confirmed in writing buy a physician and providing to XXXX. I have supplied XXXX XXXX with proper documentation from my Doctor that I am high-risk for Covid-19.  XXXX XXXX gym is not following CDC  guidelines and is unsafe. 

XXXX XXXX continued to charge me through the shutdown of gym facilities which was never authorized by me. I have attempted to cancel by phone, mail and in person. California law clearly addresses the elimination or reduction of services. Members have the right to cancel if, at any time during the term of the contract the health studio eliminates or substantially reduces the scope of the facilities ... that were described in the contract, in an advertisement relating to specific location or in a written offer, an available to consumer upon execution of the contact. The consumer may cancel the  contract and receive pro rata refund. ( Calif. Civil Code Section 1812.85 ( c ). )

Company response to consumer: Closed with explanation