vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Bankruptcy Dispute : It was requested that the Credit Bureaus provide information of how they verified the bankruptcy they stated was verified by the furnisher being the court house. I requested : 1 ) The Name Of the Court House 2 ) the name of the individual/person they verified the dispute with 3 ) The address 4 ) The Phone Number 5 ) The documentation used to verify the dispute letters attached XXXX  and Experian are fraudulently reporting this bankruptcy and the accounts attached to it. The North Carolina Bankruptcy court mailed certified, signed and stamped letters to me. These letters confirm that they have no relationship with any of the three credit bureaus and they do not verify with them directly. XXXX  and Experian have not verified this information with the furnisher as they stated and they have not provided the information I requested as to how they verified this information. ( Letters attached below ) XXXX  Has removed the bankruptcy as well as the accounts attached to it. ( see XXXX  removal document ) I DEMAND XXXX  AND EXPERIAN TO REMOVE THE BANKRUPTCY AS WELL AS XXXX  SCORE REWARDS ACCOUNT, XXXX XXXX   AND XXXX  XXXX ACCOUNT # XXXX FROM MY CREDIT REPORT IMMEDIATELY.

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 2020-04-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Shopped for a new car and auto dealers checked with 37 inquiries without myy consent I certainly did not authorize that many inquieies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
This is a Follow up complaint of the US-Bank handling my HELOC ( Home Equity Line of Credit ). Previous Complaint # XXXX Filed at CFPF on XXXX. 
In short, I have had this HELOC for the past 9 years without any problem. In XXXX, I received a warning letter which required me to provide the bank with my Condo insurance policy. Which I did fax it to the number provided. Later I received another warning letter, I did again faxed my condo insurance to the number provided. But the warning letters kept coming, Then I went to the Bank & handed the copy of my Condo insurance & they faxed it for the third time to the number provided. The warning letters kept coming, I went for the second time to the US bank & handed again a copy of my Condo insurance, Again, Warning letters kept coming, I talked to my Condo insurance company, They faxed it for fifth tie to the fax number provided. Then I received a letter charging me an amount {$480.00} for a condo insurance which allegedly the US bank purchased on my behalf. I wrote to the CFPF & a week later the {$480.00} charges were dropped & removed from my account, but then I just received a letter stating that My access to the my HELOC at the uS bank has been suspended effective immediately due to " lack/insufficient Hazaed Insurance '' as required by the HELOC agreement. 
I am simply confused with the actions & mishandling of my HELOC at the US bank. 
I have spent so much time and energy, since XXXX regarding this matter I need the US bank to reverse immediately the illegal suspension of my access to my HELOC and send me an apology letter explains their incompetent handling of my HELOC for theist two month. 

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 non-monetary relief
Consumer complaint received 2020-04-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Shopped for a new car and auto dealers checked with XXXX inquiries without myy consent I certainly did not authorize that many inquieies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My Grandmother is XXXX and in assisted living. My father is her financial power of attorney and has access to her three bank accounts to handle her financial affairs and cover her living costs as she is no longer able to do so. All three of her accounts were with PNC Bank, two checking accounts and one savings account. She receives her monthly social security check to her savings account monthly. This monthly income is used for her assisted living expenses. PNC bank WITHOUT notice closed her savings account in XX/XX/2020. We had received her XX/XX/2020 statement and there was monthly activity, the most recent being on XX/XX/2020. We have tried to reach out to PNC and get an answer as to why her account was closed. We were unable to get through to a person that could give us a clear answer or help set up a new savings or help us connect her social security to one of her checking accounts so she may receive her monthly direct deposit. This is not the first issue we have had dealing with PNC bank. A few years ago we used their business banking for our family 's small business and due to their extreme lack of care for anything other than deducting monthly fees from our accounts we closed our business accounts and have tried to have minimal contact with them. I have contacted PNC through their XXXX page and again received zero assistance for their mistake regarding the closed savings account. Their XXXX  page is riddled with complaints from their customers and their responses show a severe lack of accountability. Personally I feel terrible for the employees that are forced to be on the front lines handling these customer complaints when it is the institution of PNC bank itself that is the problem. Their policies and practices show they only exist to charge over the top fees and use their customer 's money to invest in the stock market. They show such an extreme lack of regard for their customers and doing the right thing in general I'm shocked anyone would choose to use them for any type of banking needs. I was hesitant to file a complaint since in PNC 's view my grandmother 's account is chump change and probably not worth their time. However, my grandmother desperately needs her social security to meets her monthly expense needs and is unable to defend herself or navigate opening a new account. PNC needs to be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: TX

Complaint narrative:
XXXX  XXXX account opened on XXXX after I placed a fraud alert on XXXX XXXX balance I dont have a car financed and I live in TX

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 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XX/XX/XXXX I filled out a 3 hour application with PNC Bank for help with a few Mortgage payments. 
I received a letter a week later then got a call this morning XX/XX/XXXX XXXX. 
I heard that most mortgage company 's were basically allowing you to push back your payments for 3 months while not earning money due to Covid19. 
The PNC rep told me that there was no help for XXXX and XXXX but a forbearance would start in XXXX XXXX and XXXX. I asked about XXXX and XXXX since I needed help now and was told those payments are due. She also explained that those missed payments had to be made up they had to be paid back but not all at once. 
I have not received any money from any agency as of XX/XX/XXXX I cant pay the mortgage right now. 
My Mortgage is currently past due for XXXX in the amount of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
This is regarding Venmo. I sent {$120.00} to the wrong person. That person had a negative balance with Venmo of {$220.00}, and I am told my {$120.00} was absorbed into that. I asked Venmo to revert the other user 's account to negative {$220.00}, and send me back my {$120.00}. I was able to get the other user on the phone with Venmo and give his permission to do this, which according to Venmo policy should allow them to return funds. However because he had a negative balance, they are saying nothing can be done. Their suggestion was that the other user pay the remaining {$100.00} to unlock their account, then pay me {$120.00} outside of the Venmo app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XX/XX/2020XX/XX/XXXXAcima sent a settlement email. I called on XX/XX/2020 and paid said settlement for my debt to be deleted and removed from my credit. The service advocate said that would be in 30 days. It has been past 30 days and I haven't gotten anyone to fix it from Acima.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
issue 1 ) Equifax keep adding XXXX  XXXX BANK back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
This is a case where the debt collector broke the law and sent private information of a debt to my work instead of my home. Employee of company open the mail and scanned it to my work files. Now many people in my office are aware of this situation that is now looking to cost me my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
I have called 8 times to get my escrow account fixed. My insurance company XXXX was not paid in XXXX. Mr cooper paid XXXX  insurance instead without my authorization. In XXXX I got a letter from XXXX stating they were not paid. I called mr cooper they forward a payment to XXXX on the XXXX, and refunded the payment that was paid to the wrong insurance company XXXX. On the XXXX of XXXX the refund was canceled from XXXX. I am now short {$1300.00} in my escrow acount. They still have not fixed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
https : //www.us.hsbc.com/ I opened a Premier Checking account with HSBC on XX/XX/2019 in response to their {$750.00} sign-up bonus offer. I opened the account online from the HSBC website following their own promotional link. I have consistently met the deposit requirements and terms of the offer each month since opening the account. My bonus should have been paid by this point. I have attached a screen-capture of the offer posted on the HSBC web page. 

I have called HSBC to ask about the status of my bonus offer and the first 1-2 reps could not tell me why my bonus had not been paid. They escalated the claim to a " regional manager '' but I still have not gotten confirmation. I have been told twice to call back at the end of the week to see if there is a resolution. The issue continues to drag out and they are not resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Glass Mountain Capital, LLC
State: IA

Complaint narrative:
I have received several phone calls from this company in the past 20 hours. They will not tell me why they are calling or what type of company they are. They simply repeat that they are a company that handles my " personal financial business, '' and that they need to confirm my identification by means of obtaining my name, date of birth, social security number, and address for their files. When answering the phone, they told me they are Glass Mountain Capital, but the phone numbers they call from do not match any listed online. I had to do research to determine that they are a dent collector. I am a stay-at-home mother. I have never had any type of loan, never purchased an item such as a car or house. I've never had a credit card. I've not worked since before my XXXX  was born, and I've had this phone number for 8 years. If I had a debt, it would be almost a decade old, and they would have contacted me prior to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
issue 1 ) Equifax keep adding XXXX  XXXX XXXX back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
issue 1 ) Equifax keep adding XXXX  XXXX XXXX  back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX loan 15yr fixed equity w/ XXXX and Parent as co borrow, XXXX adult, parent handle SSDI  benefit income for daughter. XXXX XXXX loan in default. 
XXXX parent now XXXX, no longer able to handle financial affairs, notified XXXX, ask for modification pending.. 
XX/XX/XXXX parent died with out will. told to reapply for modification as individual. property securing lien, XXXX. No first mortgage, property a triplex w/ rental income. no help, no recast from XXXX, income too low to qualify. XXXX SENT refused to sell since other siblings refuse to pay off lien w sale XX/XX/XXXX transferred to XXXX, loan accelerated ( owe XXXX ). XXXX  XXXX  XX/XX/XXXX modification denied since other sibling collecting all rental income refused to sign provide proof of rental income. Both tenant and other relative in other house refuse to help, very hostile. 
XX/XX/XXXX HUD  agency, Transferred to XXXX XXXX XXXX, default/foreclosureXXXX granted modification, with sons signing to provide additional XXXX a month. 
XX/XX/XXXX transferred to Select Portfolio services, XX/XX/XXXX to date Pay all cost for property - Property Taxes, Hazard insurance, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX ( water, sewage ) Now I continue to ask for help, yearly cost for owner expenses is average {$12000.00}. I would owe nothing if my parent grantor / co borror alive, instead unable to collect any help from tenant, relative in my parents house, XX/XX/XXXX started to evict, now cant evict and must try to sell now, i have not missed any payments, still XXXX, no probate but no help, proof of ownership, no voice, no inclusion and hopeless again. Always to truth, 15yrs yet no forbearance, I owe more now since not a dollar of help, can now prove brother collected XXXX rental income, not ok. I'm still XXXX, getting worse, what did XXXX and XXXX do for XXXX, no privacy, no dignty or help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Bankruptcy Dispute : It was requested that the Credit Bureaus provide information of how they verified the bankruptcy they stated was verified by the furnisher being the court house. I requested : 1 ) The Name Of the Court House 2 ) the name of theindividual/person they verified the dispute with 3 ) The address 4 ) The Phone Number 5 ) The documentation used to verify the dispute letters attached Equifax and XXXX  are fraudulently reporting this bankruptcy and the accounts attached to it. The North Carolina Bankruptcy court mailed certified, signed and stamped letters to me. These letters confirm that they have no relationship with any of the three credit bureaus and they do not verify with them directly. Equifax and XXXX  have not verified this information with the furnisher as they stated and they have not provided the information I requested as to how they verified this information. ( Letters attached below ) XXXX   Has removed the bankruptcy as well as the accounts attached to it. ( see XXXX   removal document ) I DEMAND EXQUIFAX AND XXXX  TO REMOVE THE BANKRUPTCY AS WELL AS XXXX  SCORE REWARDS ACCOUNT, XXXX XXXX AND XXXX  XXXX ACCOUNT # XXXX FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Great Lakes/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XXXX of 2019   and reported as paid if full on my XXXX XXXX and XXXX  credit report. ( see reports below ) There was also two recorded calls with XXXX   Manger and XXXX  Manger confirming all student loan accounts along with XXXX XXXX and XXXX were also paid in full. ( see recording and reports below ) XXXX, XXXX, XXXX, XXXX  and Great Lakes/Department of education started to report the accounts that showed paid in full closed XXXX and XXXX of 2019  as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and Great Lakes has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and Great Lakes has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent on XX/XX/XXXX to all credit agencies included the recording and copy of credit reports from XXXX and XXXX showing Paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation