vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Called PNC Bank in XX/XX/XXXX to have PMI Automatic cancellation per following conditions having been met. When loan principal balance reaches 78 % of the original value of property and are current on your loan payments, with good payment history. This is the 2nd mortgage I have had with PNC Bank since XXXX, 1st mortgage was a 15 year loan paid off in full in 10 years. Current mortgage is a 30 year loan, always paid a month ahead of due date with extra principal added to monthly due amount to have said mortgage paid off ahead of said loan term, just like I have done in the past with PNC Bank. This is why I choose PNC Bank to service my current mortgage needs, because I had satisfactory business relations with them in the past. Under the ( HOPA ) Act of XXXX I believe I have exceeded all eligibility requirements for Automatic Cancellation of PMT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2022-07-31 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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XX/XX/2022 I logged into my Navient web account for Federal Loans and made a small payment due XX/XX/2022. At this time, I received a message that I need to update my account information. For some reason my " cell phone number '' was " removed/invalid '' and completely missing. However, it was there the last time I logged into my Navient web account. I received calls last week FROM NAVIENT TO my cell number XXXX. Again, I did received calls FROM Navient last week at XXXX. I returned the call " outgoing '' to Navient on XX/XX/2022 ( see image snapshots of the truth of my words to this complaint ). This is indicated in my last CFPB concern, which is documented. Therefore, sometime between XX/XX/XXXX and XX/XX/XXXX someone removed my cell phone number from my Navient web account. I have had the same cell phone number for years. Per the legal agreement between Navient and I, I am to keep all contact information current, and it was until it was removed by someone else, other than me. My street address, email address, and cell phone number have not changed. I am documenting that someone removed my cell phone number from my Navient web account. I have been complying by keeping all contact information correct and current. My cell phone number was removed in the period of XX/XX/2022 to XX/XX/2022. Please review the image snapshots for validation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Click n' Close, Inc.
State: TX

Complaint narrative:
In XXXX of this year I contacted my mortgage company mid america to request a forbearance due to COVID which I know I am eligible for under CARES. The agent said they would have to determine my eligibility and proceeded to ask me to send documents. I know under CARES documents are not required nor can I be denied assuming I have not exceeded my 18 month term and have verbally attested to a hardship. Today I get a certified notice from click and close I guess my new mortgage company I was not notified of that either and its a delinquent notice!!! I was never put on forbearance and have been reported negatively to the credit bureau. This needs to be corrected immediatly I should be on a forbearance and my credit corrected. I want my call in XXXX pulled to listen to I also will be reporting this to the FHA OIG.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NH

Complaint narrative:
My mortgage was transferred from XXXX XXXX to PNC Bank effective XX/XX/XXXX. I received multiple letters about this. One letter said that the automatic payments I had set up with XXXX would transfer to PNC. On XX/XX/XXXX I called PNC because I was concerned my payment had not come out of my account yet. The person I spoke with told me that the auto withdrawal info had not transferred and that letter was an error but not to worry I would not be charged a late fee I could make a payment online for XXXX which I did. A payment of {$2100.00} came out of my checking account on XX/XX/XXXX. This was from the automatic payment I had with XXXX that I was told would NOT occur. On XX/XX/XXXX a second payment came out of my account for {$1800.00}. This was the payment I set up because I was told the other debit would not happen. I spoke with them today ( XX/XX/XXXX ) and had them cancel the auto payments that I had set up with XXXX. They said nothing would debit from my account in XXXX because I had ( without my consent ) made two payments in XXXX. Is this legal? An expected {$2100.00} out of my account is more than problematic for me and I'm sure any other people it happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Heritage Financial Group, Inc.
State: OH

Complaint narrative:
My sister lease a car with a XXXX XXXX And they tell me the my license was going to use only to take the car out of the lot The I not was a co signed so now I was checking my credit score and now the car show the is on my name. 
I tell the them I got a loan already for my truck the I'm paying the i can't have another loan and they check my credit like 20 time with out ask me and they don't want to take my name out of that car I didn't buy that car I'm frustrated because I'm trying to fixes my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX I received text and a phone call from a number with Bank of America logo. I was asked by a man who claimed to work for BofA if I authorized a {$3500.00} XXXX transfer. I was confused as I never have used XXXX and did not know anyone had the ability to access my bank information to start a transaction. I was told that in order to stop this transaction I would have to go into my XXXX account and send the money back to myself. This sounded strange but I was confused and did not want my money taken. In the end, the BofA imposter defrauded me of {$3500.00} of my money. I went to the Bank of America ( located in XXXX, N ) Y the next morning and spoke to a representative who called the fraud department by phone. I relayed the exact circumstances and provided text and phone numbers from the transaction. It was suggested that I make a police report, which I did following my visit to the bank. I received a letter from BofA on XX/XX/2022 stating that they would not approve the claim and credit my account. They said I should try to contact the person who took my money so I could retrieve it. I called the number provided on the letter and spoke to a representative. I told them that according to Regulation E, part of the Federal Electronic Fund Transfer Act, banks are required to refund consumers for fraudulent transactions on their accounts. The directive also states that the law applies " If a third party fraudulently induces a consumer into sharing account access information '', which is what happened in me. The representative told me they would look into it further and get back to me. On XX/XX/XXXX I received another letter that was identical to the first letter denying my claim. I recently spoke to a lawyer who stated that the law is on my side and that Bank of America is required to credit {$3500.00} to my 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 2022-07-31 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: NY

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over 34 days later I have not received a response, yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 34 days gives a reason to immediately remove those items from my credit report. It has been over 34 days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-07-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NC

Complaint narrative:
My lease with XXXX XXXX was to end XX/XX/XXXX. I paid th rent cleaned out the Rental, they didnt send anyone out to inspection the facility until XXXX XXXX. I repeatedly attempted to collect my deposit. I finally got a call saying that they felt like there was enough ware on the house to keep the deposit. The new management then added my name to the delinquent list in XXXX of XXXX. Almost three years laters and XXXX have an entire new staff

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had a student loan with XXXX XXXX back in 2003 for {$10000.00}. The loan was sold as years went by to Navient. I have been paying this loan since 2003 and it seems I have more than paid off this loan but still have a balance per Navient. 

I have been receiving calls at my home and work outside normal business hours ( they were not given permission to call my work as this jeopardizes my job ). 

I am now getting tons of past due letters as I have ceased to pay any more. It seems my payments were not being applied or were miss-applied and then late fees were applied. This is disappointing and confusing, and I wish for the balance they are saying I owe be cancelled and my account brought current with zero balance as I have added up over the years and have more that paid back this loan. In fact, it looks like Navient owes me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: NY

Complaint narrative:
I paid off my credit card in full in XXXX and XXXX XXXX has not updated my credit report to reflect a XXXX balance. They are intentionally withholding information from the Credit Bureaus and my credit score has suffered because of it. I disputed the balance on XXXX and the results came back stating XXXX XXXX reported a number other than XXXX. Its been about 2 months they have not updated my credit file on their end and they have not reported accurate balances to the credit bureaus.

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 2022-07-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SIMM Associates, Inc.
State: SD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is sending accounts there were included in bankruptcy to collection agencies to try to collect the debt that was discharged in bankruptcy. SIMM Associates, INC is trying to collect a debt on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
The Comenity Bank who is the provider for our XXXX XXXX XXXX XXXX My BJ 's Perks Mastercard has been having " system '' and " computer '' issues for the past month. Apparently, they were doing a system update and it did not go as planned. I have not been able to log into the website to check our account or make payments. When we call the number on the back of the credit card we are on hold for an extended amount of time. When we are able to get a hold of someone they can not access our account either and just say call back later. Also, there were fraudulent charges to our account at the beginning of XX/XX/2022, which caused Comenity to close our account and issue new credit cards. My wife received her new credit card but it was the wrong rewards level. We called and after being transferred and disconnected were able to get a hold of someone who said the rewards will be calculated correctly. It took us almost a week to resolve this issue. The one time I was able to log into our account online, approximately the week of XX/XX/XXXX, I sent a secure message about these issues but have not heard back. I have not received my new credit card yet. When we are able to finally get a hold of someone they said there are issues with the provider. Also, we have had to use our debit card to make purchases missing out on rewards and the {$0.00} off of gas at XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-31 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: PA

Complaint narrative:
I have an ftc report which I had back then but I lost since my mom XXXX this is not mine these accounts are not mine. I owe nothing to anyone

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 2022-07-31 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3100.00}, {$20000.00}, {$5000.00}, {$16000.00}, {$15000.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have XXXX days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$10000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$3100.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$20000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$5000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$16000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$15000.00} -This is not my 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 2022-07-31 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: PA

Complaint narrative:
I have an ftc report which I had back then but I lost since my XXXX XXXX this is not mine these accounts are not mine. I owe nothing to anyone

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 2022-07-31 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: PA

Complaint narrative:
I have an ftc report which I had back then but I lost since my XXXX XXXX this is not mine these accounts are not mine. I owe nothing to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: NY

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over XXXX days later I have not received a response, yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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