vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: WI

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX 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 explanation
Consumer complaint received 2020-05-21 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: WI

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX 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 explanation
Consumer complaint received 2020-05-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have inquiries of my credit report showing I have reviewed my credit report every month. I have not done this. Addresses that I have not lived at are on my credit report. There are phone numbers that were not mine on the credit 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 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have inquiries of my credit report showing I have reviewed my credit report every month. I have not done this. Addresses that I have not lived at are on my credit report. There are phone numbers that were not mine on the credit 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 2020-05-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have inquiries of my credit report showing I have reviewed my credit report every month. I have not done this. Addresses that I have not lived at are on my credit report. There are phone numbers that were not mine on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My credit card limit was reduced from {$9900.00} to {$1000.00} without prior notification from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
BBT never sent paper bill for a credit card that had a {$100.00} balance. We then never rec 'd a phone call from them either stating that we were past due. Account balance has been paid off since beginning of XXXX and they have refunded late charges. Credit card has a credit on it. It caused our credit scores to drop 100 points for both my husband and myself. I have tried multiple time to talk to them about it and have filed disputes with all credit bureaus. They are continuing to report that we have a balance on the card even after refunding our late charges. They reported this info to the credit bureaus during a pandemic in XXXX for a XXXX $ overdue charge that we knew nothing about. This card hasn't had a balance in months, but has a {$13000.00} limit. When I questioned BBT on why no one had called us, no one could answer. We checked the contact numbers and they had incorrect ones from years ago. They have ruined our ability to be able to refinance our home and haven't been willing to to work with us. Both my husband and I have always had perfect credit scores and this card is paid off. We would appreciate BBT doing the right thing and taking this info off of our credit, admitting their wrong doing ( as is evident from the refund of the late fees ) and showing that this balance has been paid off for weeks now.

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 2020-05-21 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: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
I requested a Waiver of a XXXX  Federal Health Benefit Overpayment Agency Error. My FERS annuity is being Offset via the Treasury Offset Program. The problem I am having is that this debt should not be reported to a Collection Agency because my FERS annuity is being offset via the Treasury Offset Program. I contacted Continental Service Group , Inc & made them aware of this situation to no avail. Please rectify this for me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I have a cash app account I just recieved my direct deposit on Tuesday and I was trying to send someone some money and its telling me that I dont have enough funds on my account but my account balance shows I have money there and I tried several times to see if it was going to work and it doesn't I even had someone send me XXXX and my amount went up XXXX but it's still saying I dont have the funds to send money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: MI

Complaint narrative:
This has to be a follow up from the complaint that was closed.This is response is unacceptable. This is still not resolved. ( XXXX ) The named individual in the response is unreachable and has left no specific extension on which to contact her in the letter. I WANT AN EXTENSION TO SPECIFICALLY SPEAK TO XXXX. THE GENERAL NUMBER DOES NOT ALLOW ANY OF THE REPRESENTATIVES TO CONNECT YOU WILL HER. 

I would like this in the record please and I have no problem telling what has been done to me. I fell behind on my mortgage because I was sick in 2019 ( XXXX ) and after recovering, I was hit with XXXX  in late XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not working until the start of this month. 

The investors responsible for my home have formulated a repayment agreement set up for failure asking for more than what I can afford for over nine months. The way this is written they will easily be able to take my home. 

This organization does nothing to help the consumer. They should be ashamed of themselves including the investors. 

I would like an opportunity to catch up my loan on a Forbearance. In this way I will be able to catch up by XXXX. 

I want someone who can help me to this. As stated I want to talk to XXXX not be brushed off with a letter with no extension. 

There are two different agreements I am attaching : The repayment is not going to cut it. If I am just going back to work, how can I afford to this like this? They will take my home for sure. The initial agreement allows me to pay what I can up until XXXX. This is more doable. The second agreement increases my mortgage payment over nine months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
A year or so back I was continuously getting false reportings on my credit report for {$280.00} for XXXX   XXXX. I have never a day in my life had XXXX XXXX services. It finally took writing to consumerfinance to get it off my credit report because disputing it through XXXX  kept coming back that the account was mine even though it was not. 
Now, I have received another collections on my account from XXXX XXXX XXXX  who is through who?? XXXX XXXX. This company is changing the company I apparently owe and continuously trying to come after me for a debt that I definitely do not owe. I did not forget that they already tried this a couple of years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I called PNC to see if they can help with a 90 day mortgage forbearance and they would not help. They said they do not offer the option to extend those three payment to the end of your loan. They expect a full three month payment at the end of the forbearance period. I said that does not help anyone. They said it is all they can do under the current Covid-19 pandemic. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: SC

Complaint narrative:
XXXX never sent paper bill for a credit card that had a {$100.00} balance. We then never rec 'd a phone call from them either stating that we were past due. Account balance has been paid off since beginning of XXXX and they have refunded late charges. Credit card has a credit on it. It caused our credit scores to drop 100 points for both my husband and myself. I have tried multiple time to talk to them about it and have filed disputes with all credit bureaus. They are continuing to report that we have a balance on the card even after refunding our late charges. They reported this info to the credit bureaus during a pandemic in XXXX for a XXXX $ overdue charge that we knew nothing about. This card hasn't had a balance in months, but has a {$13000.00} limit. When I questioned XXXX on why no one had called us, no one could answer. We checked the contact numbers and they had incorrect ones from years ago. They have ruined our ability to be able to refinance our home and haven't been willing to to work with us. Both my husband and I have always had perfect credit scores and this card is paid off. We would appreciate XXXX doing the right thing and taking this info off of our credit, admitting their wrong doing ( as is evident from the refund of the late fees ) and showing that this balance has been paid off for weeks now.

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 2020-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
As I logged in to the PayPal app, I noticed that there was a transaction that I didnt authorized, so I opened a dispute with PayPal so that the transaction can be cancelled. Today PayPal tells me that the transaction couldnt be covered or the way I see it that they cancelled it but that they cant provide me with a refund. I feel like this is fraud, I need that refund back into my PayPal credit account because there was not a transaction completed or neither did I receive any item for the money that they arent willing to refund me, this transaction was made and I believe is from XXXX. Please help me, I dont want to pay money that I do not owe. The amount is {$27.00} and it was made on XX/XX/2020.

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 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I told ALL the credit cards I owe that I had a injury, which is true. Because if the injury I was unable to work and eventually lost my job because of it. I was told by all of them they would work with me and that they understood. Suddenly one card closed my account and sent to collections. Well as soon as that happened they all did the same thing. They lied about working with me and have since ruined my credit. I will not let this go until the accounts showed paid in full. They all told me a line of XXXX  closed my accounts and I was unable to take care of them. I want those accounts removed and Ill show how I can keep my credit up to date and have them begging for my business. Please help so I can move on and have the things I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SD

Complaint narrative:
On XX/XX/2020 I paid my lease off in full. On XX/XX/2020 ( 2 weeks later ) they debited by account for another payment. I called them and asked for a refund and why my account was debited when there was a XXXX account balance. They said they hadn't closed my account yet so it continued to debit account. I explained how crazy it was to debit an account with a XXXX  balance. They apologized and said I would have to wait 21 days to get my refund. I told them that was excessive and they said there was nothing they could do. I waited 22 days and then called to get an update and the new person said I had to wait 21 business days and that the reason my account was debited was that it hadn't updated yet to show I had a XXXX balance. The account had been paid off for 2 weeks and their system still hadn't updated it. That's not acceptable. Also I've never had to wait more than 4-5 business days to ever get a refund. With everything that's going on right now who can afford to go without {$450.00} for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: MO

Complaint narrative:
I have an FHA insured Mortgage Loan serviced by Midland Mortgage, of Midfirst Bank. I went online to pay my " on time '' payment for XX/XX/2020, I am current and have not missed a payment in over 8 years or more. When I logged into their site my account had been entered into some program of theirs ... they " Midland '' applied. I did not sign up for anything nor was I asked or prompted about signing up to any programs at Midland. I called Midland Mortgage at the regular 800 number for customers to enquire about my account and situation. I was informed I was contacting a debt collector about a loan and any information provided is for the collection of that debt,,, a recording? I'm not in collections, or in arrears of any kind. The agent at Midland claimed I was. The agent was very protective, and playing games, being a smart aleck. I asked how I got into this collections program and he told me I had signed up for it in XX/XX/2020. I pressed him how this was possible and he changed his story ; he now claimed the " system '' did it, signed me up automatically. Without my permission or consent, because I was late on payments? He said that's right, it did it to every loan holder automatically. I challenged this claim by him and he got defensive and argumentative forcing me to ask for a supervisor, he had no intention of helping me and wanted to pick a fight instead ... I'm XXXX and XXXX, I told him this upfront. I had to have my wife finish the call for me with the supervisor, the agent at Midland caused my condition to escalate requiring medication ... he was that bilerant and unhelpful, taking advanatge of me and my condition. 

The supervisor told my wife the company would take me out of the program and send me a letter that I am not in collections and was removed, that my credit rating would not be affected by any of these moves initiated on my account by Midland.. 

We received no such letter and were once again bullied by the Loan Servicers agents, taking advantage of physical weaknesses exactly what " bullies '' do to people, cowardly acts of taking advantage of others using their illness against them as their tool? 

I was placed into collections by Midland Mortgage and entered automatically into their program without my consent or knowledge, I was not provided a heads up any warning, or any information about what they were doing or why. They promised to send a letter and failed. We made the phone call and stayed on it for a long time, we did not record our conversation.

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 2020-05-21 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: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
We called to ask about Forbearance plan, and was told information would be sent out for our review. We received a letter on XX/XX/2020 stating we have been approved for a Forbearance plan. After reviewing the information we decided this is not for us and paid our monthly payment on time and have been paying on time as our credit report stated all for the month of XXXX states No Data Show ( ND ). We are request the month of XX/XX/2020 to be shown as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I took out an auto loan through the lender Gateway One Lending around XX/XX/XXXX. I immediately signed up for automatic payments and have been on auto-pay ever since and have never missed a payment. In XX/XX/XXXX Gateway One Lending was bought out but Santander Consumer USA Inc. In XX/XX/XXXX I received a notification from XXXX  that my credit score had fallen 40 points due to a missed car payment. I immediately contacted my new lender only to find out  that in fact their records did not show any late or missed payment, in fact the agent concurred that their records showed I have always been on auto-pay since signing the loan. The agent also supplied me with a complete payment history to support my up to date payments in which I have attached below. After reviewing the account and identifying the issue on their end the rep informed me that there was nothing she could do to correct the issue and directed me to call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
They have not called or emailed me I reached out to them to let them know that the car was involved in accident

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 2020-05-21 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: The CBE Group, Inc.
State: GA

Complaint narrative:
I requested a Waiver of a DOD Federal Health Benefit Overpayment Agency Error. My FERS annuity is being Offset via the Treasury Offset Program. The problem I am having is that this debt should not be reported to a Collection Agency because my FERS annuity is being offset via the Treasury Offset Program. I contacted XXXX XXXX XXXX XXXX XXXX & made them aware of this situation to no avail. Please rectify this for me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
I was doing some online shopping at XXXX last night XX/XX/2020 I received multiple emails about my purchases that they were declined so I went back to Cash App where my money is currently being held then as I Noticed the app said funds are not available but the current balance in my cash app is a little over {$4000.00} so I tried sending a dollar to my husband and it still said Funds is not available tried reaching out to cash app to no avail I am currently laid off from work and those funds are for my unemployment I can not pay my bills or rent if I can not access those funds

Company response to consumer: Closed with explanation