vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am not sure if I have classified this correctly in the previous sections, but I will try to explain better here. 

In XXXX of 2020, I filed a dispute with TransUnion because an account which I thought I had closed was still appearing on my credit report. The account was a credit account with a XXXX balance and a {$25000.00} credit limit. 
The next day, I withdrew the dispute once I discovered that the account actually was still opened. TransUnion accepted the withdrawal and stopped processing the dispute. TransUnion then proceeded to drop my credit score, which is calculated by them using their triple VantageScore formula, by over 60 points based solely on this withdrawn dispute. Nothing in my credit report has changed beyond the filing and withdrawal of this dispute. Their inexplicable reduction of my credit score has caused me issues with other creditors and has, in fact, led my credit card company to place a hold on every payment I make until that payment clears the bank because I now pose a " risk '' due to my credit score. I have spent years trying to build up my credit and TransUnion managed to destroyed it in one day. 

I contacted them about this and they refuse to address it so you are my only hope.

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 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My mortgage loan is a federally owned XXXX XXXX loan brokered through PNC. I tried to invoke payment deferral under the CARES Act. I went to their website and filled out a form requesting CARES ACT mortgage payment deferral assistance. I never consented to the plan they have put me on either verbally or in writing. I received notification in the mail shortly thereafter misrepresenting the payment plan I requested. The paperwork they sent in response to my request for Covid related financial hardship assistance claims that I gave verbal consent to a totally different plan. I never spoke to anyone on the phone about this plan before receiving this paperwork. I worked hard to find the correct Covid specific financial hardship request form as it was buried under multiple pages on their site. I have spoken to them multiple times trying to resolve this matter. I have not consented to this plan in any way, verbal or written. 

PNC is refusing to issue me the appropriate paperwork to correct their mistake and sign me up for a 12 month consecutive payment deferral per the CARES ACT. I have requested paperwork for the 12 month payment deferral plan, and instead they either send me paperwork for a different forbearance plan ( usually regarding a balloon payment ) or tell me on the phone that I will have to wait until XXXX to get more information and that they simply do not have enough information to assist me. When I was on the phone with a representative today I was told that I had to listen to them read to me a list of my options. When I said that I want the option that they did not read, the representative said, yes that is an option too. When I asked why I was not read that as an option, she simply said " I am XXXX. Things are changing every day. '' It appears as though PNC is willfully misleading consumers into thinking they do not have the rights that they actually do under the CARES ACT and are not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX  performed a hard inquiry that showed on XXXX XXXX. I call the institution and it was concerning a mortgage. I do not have a mortgage with XXXX XXXX. 

XXXX XXXX performed a hard inquiry that showed on XXXX XXXX. I called and they stated it was possibly a scam. I lease a car from them and they are not a lending institution. 

XXXX performed a hard inquiry that showed on XXXX XXXX. I called the institution and there was no hard inquiry on my account. 

XXXX performed a hard inquiry that showed on XXXX XXXX. This is XXXX XXXX financial institution. They do not make loans and had no idea why it would show on my report. 

XXXX performed a hard inquiry that showed on XXXX XXXX. This is a medical alert company and had no idea what I was talking about. I have no credit with them. 

All of these were performed by Experian. 

Please let me know the next steps.

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 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I need to file a complaint. Bank of america master card. I contacted them them on XX/XX/XXXX to dispute for a charge that was made on XX/XX/XXXX for XXXX.this was an ongoing services from XXXX XXXX . An education that I had never received, they guarantee for me to get my money back. This company is been shut down by the FTC. I paid for this training and paid off the credit card as well. They credited my account and took the credit back, so i contacted them on XX/XX/XXXX and told me to send the paper work with instructions. so i deed but next day they send me a letter saying that they needed to the exactly amount of the charge but the exactly amount they have it is XXXX. 
i have send everything they ask for it. and they deny it on XX/XX/XXXX after i talk to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I was informed if you sent money by Western union and I am a victim of email scams. I can be reimbursed by XXXX, I had filed my case in XXXX were informed it will take more than a year. I suddenly had an email to say they sent an emailed to asked for documentation without saying which documentation were requested but now my time has passed and I can still send the documentation but not guaranteed it will be accepted. I did not receive the emails they said they send, but I had tree other persons emailing me to say some payments were made in XXXX XXXX mine will take 120 days to be paid. Can you please help me. As I am in so much debts I had borrowed the money to send to the scammers, please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: MO

Complaint narrative:
I have disputed several accounts on my personal credit report with XXXX, XXXX, and TransUnion and yet TransUnion, XXXX, and XXXX  are falsely reporting incorrect information on my credit report! I have no real validation of any of the listed accounts below. There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect thats being accepted by TransUnion, XXXX, and 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 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC
State: CA

Complaint narrative:
I noticed an inquiry on my XXXX  Credit Report conducted by XXXX XXXX XXXX on XX/XX/2019. I have tried to dispute this item with XXXX which they referred me to XXXX XXXX XXXX. 
I have written to XXXX XXXX XXXX requesting a copy of any document they may have allowed them for this inquiry, however they have not responded to my request and after I contacted the phone number they provided to XXXX I was forwarded to Credit Co which they told me they do not have to provide any proof for the inquiry.

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 2020-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am still affected by the covid 19 and need another payment waiver. I am not back to work yet.

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 2020-06-24 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: WI

Complaint narrative:
I requested Validation of an account being reported by Lexis Nexis. I have information from the original account holder that states they have never given any of my information personally to Lexis Nexis or any other data furnishing company. I sent Lexis Nexis a validation letter on XX/XX/2020, which they received on XX/XX/2020 certified mail. I have not received any mail from them to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Sheffield Financial was a company that finances a trailer loan for a side business. It was for a business listed under an LLC in XXXX of 2019. Total amount of {$14000.00}. There was a charge off amount of {$7500.00}. Now past due of {$9300.00}. The company has been let go and out of business since XXXX of 2019. I have tried numerous times to get it disputed because the company is no longer is business. 

Please help!

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 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Im using consumer credit card of Home Depot since 2012 Im responsible of my credit card They issued under my name because I apply the credit card & issued UNDER MY NAME & ON THE CARD my name is printed BUT IN THE CREDIT CARD SYSTEM IS UNDER MY SISTERS NAME I DID NOT AUTHORIZE OR CLOSE OR CANCEL MY CARD I call & INQUIRED THEY ARE NOT TELL ME REASONS I HAD BEEN CONTACT WITH MANAGEMENT PLEASE INQUIRE ABOUT THAT THANKS

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 2020-06-24 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied for Amex XXXX Credit Card on XX/XX/2020. I was declined online with no explanation. The Amex website stated I would received a letter in the mail. On XX/XX/2020 I received the letter stating the reason for being declined. The explanation states : " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts ''. This is not accurate information. I called American Express at XXXX on XX/XX/2020. The person on the phone could not tell me which of my accounts the declination statement applied to. They also suggested to call the credit bureau XXXX. I also called XXXX  on XX/XX/2020. They could not tell me which of my accounts had the statement and recommend to pull my annual credit report. I pulled my free annual credit report and on the file, no accounts have this statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
Funds arent able to get deposited from cash app to bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was checking my credit report today XX/XX/2020 because I was going to apply for a loan but I saw eleven accounts on my credit report that do not belong to me ; I had no idea these accounts were on my credit before today because I never gave anyone permission to open them in my name nor did I ever sign any contract or agreement with any of the companies I listed on this report. I am not affiliated to any of these companies and I did not give them permission to run or access my credit information. I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of the balanced on these accounts. I don't know who could have got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting these unauthorized accounts resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was checking my credit report today XX/XX/2020 because I was going to apply for a loan but I saw eleven accounts on my credit report that do not belong to me ; I had no idea these accounts were on my credit before today because I never gave anyone permission to open them in my name nor did I ever sign any contract or agreement with any of the companies I listed on this report. I am not affiliated to any of these companies and I did not give them permission to run or access my credit information. I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of the balanced on these accounts. I don't know who could have got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting these unauthorized accounts resolved.

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 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was checking my credit report today XX/XX/2020 because I was going to apply for a loan but I saw eleven accounts on my credit report that do not belong to me ; I had no idea these accounts were on my credit before today because I never gave anyone permission to open them in my name nor did I ever sign any contract or agreement with any of the companies I listed on this report. I am not affiliated to any of these companies and I did not give them permission to run or access my credit information. I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of the balanced on these accounts. I don't know who could have got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting these unauthorized accounts resolved.

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 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX and LVNV Funding and XXXX, XXXX and XXXX are using predatory debt collecting pratices to extract additional fund from by self because this company is a third party not orginator has falied to inform the Orginator of the payment that I have already made. With that being said this company vicious debt collecting pratices have taken steps to retrieve monies from my empolyer thought that court system. I am informing this Federal Agency that tactic is illegeal when paymenst have been made drectly to the orginator. I am in need of your direct assistance with this matter. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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:
Equifax continues to report a fraudulent account on my credit report that does not belong to me. For this reason, I have been denied credit. They are in violation of the FCRA and I plan to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: MO

Complaint narrative:
I have disputed several accounts on my personal credit report with Equifax, XXXX, and XXXX  and yet XXXX, Equifax, and XXXX  are falsely reporting incorrect information on my credit report! I have no real validation of any of the listed accounts below. There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect thats being accepted by XXXX, Equifax, and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: MO

Complaint narrative:
I have disputed several accounts on my personal credit report with XXXX, Experian, and XXXX  and yet XXXX, XXXX, and Experian are falsely reporting incorrect information on my credit report! I have no real validation of any of the listed accounts below. There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect thats being accepted by XXXX, XXXX, and Experian!

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 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
DECEPTIVE ( UN ) TRUTHFUL CREDIT LENDING STATEMENTS. MADE TO APPEAR LIKE ADJUSTMENT PURCHASES ( - ) with cute minus signs all listed above the total line are included in this figure. ( ** THEY ARE NOT INCLUDED IN THE TOTAL CREDITS APPLIED LINE UNDERNEATH ALL THE AMOUNTS LISTED ) ** They are LISTED ONLY See attatched USAA XX/XX/2019 Statement. Kindly Note the adjustment purchases temporary fraud credits NEVER ARE INCLUDED IN TOTAL CREDITS GIVEN they total {$1.00}, XXXX and ONLY {$910.00} Total Credits APPLIED ** USAA TAKES CREDITS NEVER PROVIDED. see. XXXX TRANSACTIONS card XXXX SECURITY ADJUSTMENT ( OF ) REVERSED CREDIT {$120.00} & $ {$210.00} = ( {$340.00} TAKEN BUT USAA NEVER GAVE ) then TRANSACTIONS card XXXX XXXX SECURITY ADJUSTMENT ( OF ) {$12.00}. & {$110.00} TAKEN NEVER GIVEN USAA REVERSES CREDITS NEVER PROVIDED. Kindly Note USAA CREDITS NEVER APPLIED DECEPTIVELY MADE TO APPEAR AS CREDITS PROVIDED = All USAA adjustment purchases ARE BOGUS Kindly Note ONLY {$910.00} TOTAL CREDITS APPLIED ( {$1.00}, XXXX CREDITS DECEPTIVELY HIDDEN INTERNALLY & MISSING {$1700.00} USAA CREDITS. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank close my account on XX/XX/XXXXThey told me the account was closed because they did not want to continue the relationship and told me I would receive the money that was in my account via cashier check within 14 days. I have yet to receive my funds. I called today and they told me that there is an investigation with my account and would receive my money after the investigation. They will not disclose the nature of the investigation or when I will receive my money.

Company response to consumer: Closed with explanation