vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I had a circumstance where I had an error of a 90 day late payment on my credit report when that was not the case because I was covered on a natural disaster forbearance from the dates of XX/XX/XXXX to XX/XX/XXXX but I am reported as being 90 days late in the month of XX/XX/XXXX on my Equifax Report. I have tried to contact the company several times over the phone to no avail. This error has been corrected by XXXX  and XXXX but only Equifax is still showing the incorrect information on my credit report and still as of today XX/XX/XXXX have yet to fix the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS WHICH I WAS UNAWARE OF. THOSE ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE A RE-INVESTIGATION INTO THOSE DEROGATORY 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 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: COMMERCE BANK
State: CA

Complaint narrative:
I signed up for the XXXX XXXX credit card, which offers XXXX points after spending {$500.00} in the first 90 days. I completed these requirements, but the points did not post ( even after 30 days, as per the terms of the agreement ). I contacted Commerce Bank, who told me to contact XXXX XXXX, who told me to contact Commerce Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: Comerica
State: IL

Complaint narrative:
I paid XXXX using XXXX XXXX and CoAmerica prepaid debit card in late XXXX but before XX/XX/XXXX and XXXX stated they didn't get the money and canceled my personal insurance on my personal car

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My name is XXXX XXXX I went to open a bank account & some one has one in my name which cause me not to be able to open one I never had a bank account in my life XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX pa XXXX Consumer number 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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have so many hard inquieres in the last months I send pictures of the hard inquires in my credit report of 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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested an investigation of t the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

There has not been a response to my disputes on XX/XX/XXXX nor XX/XX/2019

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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested an investigation of t the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

There has not been a response to my disputes on XX/XX/XXXX nor XX/XX/

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 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
My hardship began in XXXX, when the economy was at its worse. I lost my job in XX/XX/XXXX causing me to fall behind in bills until I found fulltime employment. When I found employment back then it still was not enough to cover all of my bills. I notified PNC Bank of my situation. We agreed to a repayment plan. I paid almost {$3500.00} and continued to pay {$1800.00} per month for 18 months that I have receipts for to confirm validity. PNC made an error on my account after paying the arranged repayment agreement. My payment plan was stopped in which I escalated to a supervisor for assistance to get back on my repayment plan. The supervisor restarted my payment plan back up. 
I paid every month as agreed. This plan began in the early month of XXXX and continued to fall XXXX. PNC made another error to the repayment plan stating that I owed another payment after the repayment plan finished. Once the payment plan was finished I made two months payments of the original monthly payment ( {$1200.00} ) before I fell behind. My payments were rejected and this is why we are here today trying to save my home. 
I am now employed with stable, fulltime, consistent income on a monthly basis. I am respectfully asking for you to help me keep my home as I have now owned since XXXX with a modification. 

PNC refuses to review and keeps closing it for review after they ask me to submit a modifciation. 
I escalated to the CEO of PNC name XXXX XXXX who sent it to his escalation team. The liaison name was XXXX XXXX. I was shocked on how XXXX handled this. SHe never reviewed the documents after confirming receipt. She relayed only messages from loss litigation or her contact person who was assigned to it. 

I faxed the modification packet and docs numerous times just for them to say the XXXX tax were not signed when they were so I resubmitted them again directly to XXXX of what was sent. I was also told that there was not 30 days of income and they wanted YTD income that was also submitted and resubmitted. I recent paystub was also sent so there were no issues. Yet, it was. XXXX sent a message to her contact person in loss litigation while we were on the phone letting loss litigation know the docs are there. I had to check back with XXXX on the status for her to tell me the same thing she was told. It was closed out for review. I had to ask why she said usually when its 2 weeks before the sale date it wont be reviewed. She also said it was already in denial. 

I was so confused of her position in this. I was shocked she never looked at the docs initially. She was also in charge of the modification being resubmitted. It was handled poorly.

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 2019-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/18, i applied and was approved for a Cash app prepaid card. Since i am XXXX i do not have a steady income or bank account to receive, transfer funds. My wife and son who both have Cash app felt this would be a good option for me so whenever i need money they can transfer From their accounts to my cash app card. I had no issues whatsoever, until a few days when my son tried to send me XXXX XXXX   for dinner. He let reviving a message stating the transaction failed. At this point i had already had XXXX XXXX in my account from transactions from my wife. I emailed cash app who said due to fraudulent activity my card was closed. I am beyond angry as i did nothing wrong. My son and wife both work and anything sent to me or transferred was monies from their account ya only. The strange thing is their accounts are still open so where was the fraud. I sent a message to XXXX today and received another email with no explanation but that my account is closed. I have XXXX XXXXs int he account and i would like my money either sent back to my wife or to myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have so many hard inquieres in the last months I send pictures of the hard inquires in my credit report of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have so many hard inquieres in the last months I send pictures of the hard inquires in my credit report of 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 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
We moved out of the rental with proper notice. This company never sent us an itemized statement regarding move out costs per Nevada Law. They then referred us to a collection agency with an outrageous amount for inflated costs. They refuse to respond to our requests to resolve the dispute or to provide us with receipts showing the alleged costs. It is now on our credit from a collection agency and the only option is to take them to court to resolve. The amounts are ridiculous that they are trying to say we owe and have not provided any proof of the amounts other than their word.

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 2019-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX, I was called by a fifth third bank agent letting me know I was overdue on my truck payment. I was busy at work and instructed them I would go online and submit payment asap. A couple days later I believe XX/XX/XXXX, I went to submit payment online, but they locked me out of my account. I called a fifth third representative and they informed me they could set up automated payments so I agreed and he instructed me that it was all setup and that I no longer had to worry about logging into my account online to submit payments. 

XX/XX/XXXX, my car got repossessed. I called the bank and they informed me that payments were not being made on the account. I questioned how that was possible and they informed me auto bill pay was never set up completely. I told her that I spoke with someone in XX/XX/XXXX to setup auto pay and she looked into their call logs and said it never happened. There was a record of me calling but nowhere in the notes did it talk about auto pay. Baffled that they had been receiving payments for months, but all of a sudden they stopped working, I then questioned why I never received a call, like the last time I missed a payment. She told me that they had called a phone number which was not mine, and never was my phone number. The person they called told them I no longer had that phone number, which I never did in the first place. I don't understand how they got that number to begin with when all of my information was submitted through the car dealership, but I guess they simply had more trust in a straangers word over the phone than to actually try to contact me. She also informed me letters were sent to my mailing address, which I never received. 

There has been a giant miscommunication and everytime I speak to them they read off a script and are unwilling to listen to me, saying that it was a lawful repossession that they have all the record they need, even though they weren't processing the fact that they misentered my contact information into their system. Having made no progress trying to speak to the bank over the phone, I reluctantly paid the repossession fee, in addition to the money owed on my account, just to simply get my vehicle back. The bank is unwilling to listen or communicate with me in a manner that accomplishes something for both of us. 

Fifth third bank told me auto payments were setup, which apparently was not done properly. They told me they went through the process of mailing me letters and trying to call, which they did not do. They had my information entered into their system and as a result of all of their errors they deemed my car repossesible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS WHICH I WAS UNAWARE OF. THOSE ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE A RE-INVESTIGATION INTO THOSE DEROGATORY ACCOUNTS,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: NCB Management Services Inc.
State: GA

Complaint narrative:
Around XX/XX/2019 I've submitted my dispute letters to XXXX, XXXX XXXX, and XXXX, but also the collection agency NCB Management Services Incorporated.. XX/XX/2019 I received a letter of correspondence from NCB stating that my concerns will be reviewed yet the item is still on my XXXX   report and my XXXX report . On my XXXX XXXX report the account has been closed and this occurred XX/XX/2019. None of the companies have provided me with any proof that I have a contractual obligation to pay the collection agency, no contract bearing my hand written signature on it at all. This has ruined my ability to get additional things accomplished due to these companies willful non compliance with the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and 7. The credit reporting agencies MUST provide me the method of verification information within 15 days of my request, yet this hasn't been done either. Enclosed with my complaint will be all the documentation that I've sent and received so far. Also I'm enclosing a screenshot of my XX/XX/XXXX XX/XX/XXXX credit update as proof that the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Applied for a line of credit with XXXX XXXX on on XX/XX/2019 at XXXX. Received notification was not approved. Received a letter from XXXX XXXX on XX/XX/2019, which was dated XX/XX/2019 ) regarding the reason the application was not approved. Within the letter it states that part of the reason was due to the credit report that was obtained from the consumer reporting agency, Experian. The credit score that was reported to XXXX XXXX, by Experian, was XXXX. I check my credit score weekly and my score has not been below 600 for several years. Upon checking my Experian score on XX/XX/2019 it is XXXX and even going back several weeks, before the submission of my application, on XX/XX/2019 my score was XXXX. I have attempted to contact them via telephone at several different numbers which were located on their website, online, and thru a XXXX search. But all numbers lead me to numerical options that do not include speaking with a representative. I would like to know why incorrect information is being reported and why they do not have to further explain the inaccurate information that is being provided to my financial institution?

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 2019-05-03 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: GREAT LAKES
State: TX

Complaint narrative:
This company continues to report negative and derogatory information disregarding the fact that I already had the account transferred and rehabilitated by XXXX in which I am paying XXXX a month due to me being on XXXX. They continue to falsely abuse the law and continuously disregard any information and mail that I send them. I have called them on the phone and they ask me to send a letter with information they are the ones illegally reporting the information continuously to XXXX and XXXX. XX/XX/2012 was the date the loan was open I was advised the statue of limitations doesn't apply to certain loans but it is already been 7 years reporting negative. The point I am trying to make is that I already did my part by rehabilitating the loan and allowing it to get transferred to XXXX it was with XXXX XXXX XXXX. I did what they told me to do so I can get it removed from my credit and the only one that is blatantly disregarding the law is Great Lakes XXXX XXXX XXXX XXXX, WI XXXX they continue to report the information and they already know that it should not be reported due to the fact that I have rehabilitated my loan. The keep finding ways to continue reporting information that is not true and is incorrect. I'm getting to the point where I want to sue them in open court for not following the law and also not caring it is also keeping me from getting a home from my family in which they do not care. Mental anguish is something that I am affected by this horrible situation and I intend to follow suit if it is not removed within the next 7 days. I am not going to allow this to happen to me by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since, XX/XX/XXXX until to this day of XX/XX/XXXX I have been disputing with XXXX XXXX XXXX , XXXX. regarding a debt I do not owe to XXXX XXXX Apartments in the amount of {$74.00}. 

I have repeatedly asked Equifax Credit Information and XXXX XXXX XXXX , XXXX to provide me with proof of my signature that I have legally binding contractual obligations to pay XXXX XXXX XXXX , XXXX {$74.00}. 

Equifax received documents to prove my claim of a debt I do not owe. Yet, they continue to undermine the Consumer Financial Protections Bureau with the results of their investigation to be accurate and without proof of evidence. 

The same information was presented to XXXX and XXXX  for investigation. It obvious Equifax have not investigated this claim and continue to report the information to be accurate which leaves me no choice but to file a small claim with the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The paypal company gave me a credit card ... .late in 2018 ... ... ... ... I purchased some items. 1 item for {$300.00} ; 2 items for approx. {$500.00} each The charge payment and interest accumulating is for {$300.00}. I bought an item for {$300.00} and within a few days. I put the {$300.00} back into the account as a credit to keep my promise that I would pay the {$300.00} back in one lump sum before any due date.. 

I keep getting letters in the future about this {$300.00} payment and extra interest I owed, Unbeknownst to me I did as I thought in compliance with paypay. There was no prompt to ask if I wanted the {$300.00} to apply to this one purchase or anything leading on their online payment window to that effect. 

Paypal is lying misleading the public and it is a scam to get every penny out of person that they can. 

Common sense. How come I just didn't do the minimum monthly? How come I didn't pay e.g {$250.00}? Paypal know whats going on and they trying to get fraudulent money out of me with illegal interest. ... ... ....

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