vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 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: TN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 explanation
Consumer complaint received 2020-05-29 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:
An affidavit titled " NOTICE AND DEMAND TO PRODUCE PRIMA FACIE EVIDENCE AND PROOF OF VERIFICATION was sent to TransUnion on XX/XX/2020 via USPS Certified Mail # XXXX demanding TransUnion to certify the accuracy and veracity of reported information under the pains and penalties of perjury. The items in question are being demanded to be verified under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). TransUnion was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as  no valid proof or evidence was provided, amounting to false and misleading entries/statements being " verified/validated '' without consequence to the perpetrator of the fraudulent activity. The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]

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 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I have a mortgage with 1FirstBank whom is based in XXXX XXXX, PR. My home is a new construction that I closed on in XXXX of 2019 and 1FirstBank was the builder 's choice of lender, not mine. 1FirstBank was continually made error in servicing my loan and I am quite frustrated. When I call their service center, there is a language barrier and it is difficult to understand and comprehend. Most recently, {$440.00} was taken from my Escrow for " Insurance '' and I called and questioned and the rep told me is was for hazard insurance. That didn't make sense so I called a day later and another rep had me on the phone while she summoned a supervisor and ultimately found out that amount was for built up PMI. So, the original info was wrong which is dangerous. 
Furthermore, 1FirstBank did pay my hazard and flood insurance renewal 60 days before it was due based on last year 's amount not waiting for an updated bill and not taking into consideration the insurance was subject to an increase. To compound the problem, XXXX XXXX never received those payments and now that amount in addition to the increase is due. When I call, again I get so many variations in what happened to the payment. Total incompetence. 1FirstBank should not be allowed to sell mortgages in the mainland USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 explanation
Consumer complaint received 2020-05-29 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: TN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: SC

Complaint narrative:
An affidavit titled " NOTICE AND DEMAND TO PRODUCE PRIMA FACIE EVIDENCE AND PROOF OF VERIFICATION was sent to Equifax on XX/XX/2020 via USPS Certified Mail # XXXX demanding Equifax to certify the accuracy and veracity of reported information under the pains and penalties of perjury. The items in question are being demanded to be verified under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Equifax was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as no valid proof or evidence was provided, amounting to false and misleading entries/statements being " verified/validated '' without consequence to the perpetrator of the fraudulent activity. The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2020-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I notified this company about an item being reported on my credit report. I sent the attached letter asking them to please remove this item from all my credit reports. They have not responded. I would like then to remove this unknown account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: PA

Complaint narrative:
I have called Experian regarding inquiries I did not authorize, and for multiple accounts with inaccurately reported information. Even with documentation as proof, Experian will not update my credit reports. This complaint is specifically regarding a substantial amount of inquiries on my credit report that either 1. I do not recognize AT ALL and are clearly fraudulent, 2. I never authorized the company to pull my credit reports or 3. are expired and suppose to be off my credit report but have not been removed. The following inquiries are expired : XXXX XXXX, XXXX XXXX inquiry date of XX/XX/XXXX removal date of XX/XX/XXXX, XXXX   XXXX inquiry date of XX/XX/XXXX removal date of XX/XX/XXXX, XXXX XXXX date of XX/XX/XXXX removal date of XX/XX/XXXX. The following inquiries are inquiries I never authorized : XXXX XXXX, XXXX XXXX inquiry date of XX/XX/XXXX, and additional inquiry dates of XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX inquiry dates of XX/XX/XXXX and XX/XX/XXXX ; XXXX XXXX date of XX/XX/XXXX ; XXXX XXXX with inquiry dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX inquiry dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX with inquiry date of XX/XX/XXXX ; XXXX XXXX date of XX/XX/XXXX ; XXXX   MC inquiry date of XX/XX/XXXX ; XXXX   XXXX XXXX  date of inquiry XX/XX/XXXX ( was a " pre-qualification '' that stated specifically there was no hard pull - only inquiry I recognize at all ) ; XXXX XXXX date of XX/XX/XXXX ; XXXX with inquiry date of XX/XX/XXXX ; XXXX XXXX XXXX XXXX date of XX/XX/XXXX ; XXXX XXXX date of XX/XX/XXXX ( downloaded the app, never authorized them to pull my credit reports ), XXXX inquiry date of XX/XX/XXXX. The following inquiries are inquiries I do not recognize at all and are fraudulent : XXXX XXXX date XX/XX/XXXX, and XXXX XXXX  XXXX XXXX date of XX/XX/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 2020-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I get payday loans from XXXX and pnc stopped it. This isnt fair to the customer. If we choose to do this we should be able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: GA

Complaint narrative:
I submitted the official notorized and police report documented identify theif affidavit in XXXX of 2019. I have attached the very documents they where submitted. This company still has this account showing on my 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 2020-05-29 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: GA

Complaint narrative:
I submitted the official notorized and police report documented identify theif affidavit in XXXX of 2019. I have attached the very documents they where submitted. This company still has this account showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied to BB & T to refinance my existing mortgage on a vacation home in North Carolina. The process has gone very well with one exception. In the final stages of underwriting, I was asked to sign and return two forms AS A CONDITION OF LOAN APPROVAL. One was to authorize current and future holders of this mortgage to obtain a copy of my tax transcripts for the past two years. Ok with me so far, even though the documentation for my particular loan relating to income depended on my W2, not my tax returns. The second form is what this complaint is about. I am attaching for your review. This is the Borrower 's Consent to use Tax Return Information. This form requires me to agree to provide basically unfettered access to my tax information and forces me to agree to allow the bank or any related party ( current or future ) to use my tax return information for purposes including Marketing etc. When I advised the mortgage processor that I was not willing to provide this unfettered use of my tax return information she responded by saying that according to her supervisor who checked with their Legal department, the form was a requirement of the latest Tax Payer First Act which was signed into law on XX/XX/2019, and that my loan could not go forward without my agreement on this form. As I check this Tax Payer First Act in more detail, it actually provides some rights and protections to me as a tax payer, and specifically states that institutions CAN NOT USE my tax information for things like Marketing without my consent. So in essence, what we have on the part of BB & T, is a flagrant disregard for this portion of the law, by developing this Consent Form that they are making a requirement for approval of my loan. In essence the Act provides this protection, and the bank is forcing me to provide my consent as a condition for loan approval. I would submit to you that my agreement on whether or not this bank can use my tax information for Marketing purposes has absolutely no impact on my ability to repay this loan, and thus should not be held as a condition of loan approval.

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 2020-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've paid commenity Bank ( XXXX ) card off to a XXXX balance but they still are reporting on my credit report past due and missed payments. They are really damaging my report for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I do not agree with Synchrony Bank 's forced arbitration agreement on the Amazon credit card. I tried to cancel on the phone, but the phone representative from XXXX was hard to understand combined with its cheap VOIP phone line going in and out made it impossible to tell if they really cancelled my card.

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 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay Services was assigned to service my loan at the behest of the lender. The original lender required an escrow account for insurance and property taxes. The loan originated XXXX XX/XX/XXXX. 
The tax authority assessment for the first year includes a supplemental tax. This tax is in addition to the regular property tax. It is due in ( 2 ) installments, the first due date was XX/XX/XXXX. The bill was submitted 60 days prior to Fay Services by the tax agency and myself. I also called Fay, on their recorded line, and verified with their representative that the bill was received and due for timely payment. The Fay Services representative assured me that it would be paid on time. 

On or about the first week of XX/XX/XXXX, I went to the assessors site and discovered the bill had not been paid. Moreover, a delinquency penalty was added to the outstanding balance. I immediately called Fay Services and was told that the bill with penalty would be paid within the coming weeks. They acknowledged the error was theirs and that the penalty was not to be borne by me. 

The tax was eventually paid toward the end of XXXX. However, Fay Services debited my escrow account the penalty amount! After numerous calls on their recorded line, it remains unresolved. 

The 2nd installment was due XXXX XX/XX/XXXX. Once again I called Fay Services in the beginning of XXXX, to assure the same thing didnt happen again. Shockingly, it has. 
After multiple calls and promises, the past due 2nd installment remains delinquent with a penalty! 

Ive spoken to numerous Fay Services representatives, including those purported to be managers. Copies of the delinquent invoice have been scanned and received by them but the payment remains unpaid! I have written and called numerous times, but to no avail. 

I have also notified them that as a Registered Securities Representative, tax delinquencies are reported as required disclosures on my public facing registration site. This could be harmful to my business! This can not happen! I need your offices immediate help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo placed a hold on a cashier 's check and they forced me to make an appointment and go into a branch to get the hold released. I deposited the check in their ATM because all their branches are closed. Now I have to waste more time because they put a hold on a BANK CHECK, which should never have holds. They refused to release the funds -- a BANK CHECK!!! -- over the phone even though they had fully identified me as a customer with multiple 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 non-monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Threatened to arrest me and take me to court told me to pay with a XXXX XXXX prepaid debit card for {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I got laid off in my job so I cant work for a while even I have trouble getting unemployment XXXX dollars

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29 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: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Card Service Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX - Card Service  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX  - Card Service Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing Credit Union XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX # XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New

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 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: CA

Complaint narrative:
When I requested for a Credit Limit increase back on XX/XX/XXXX, never did they mention that I had to wait for 12 months from the time open my credit card account to request for it. There was also no mention of this to me over the phone of a new policy where a limit increase request would now be pushed back to 12 months. Both XXXX from the Line Increase Dept. & XXXX from the Credit Operations Dept. said on XX/XX/XXXX, only these 2 requirements needed to be met : 1. Six months need to pass since the opening of the account 2. Must clear the delinquency on my credit report XXXX delinquent payment XXXX XXXX XXXX ) Once the delinquency has been removed, XXXX specifically mentioned to immediately call back in the month of XXXX, Discover will honor to increase my credit limit in 6 months, and not 12 months. 

So, I called again on XX/XX/XXXX, to request for the promised credit increase. Supervisor XXXX located in XXXX stated that I have to wait 12 months to request a credit limit increase and not the 6 months, which was against what was originally stated in XXXX. The reason was that the policy just recently changed. My request to increase my credit limit was made before the policy change. Never did Discover adhere to disclose back in XXXX that I will not be able to increase my credit limit once the 6 month period was over. I am filing this dispute to make sure that Discover honors the credit limit increase that was promised to me at the time of the initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
ok, i never heard of this company and never had any dealing with it, so it came to a shock to me to see this company into my credit report i never had any kind of communications from this company and don't know what this company all about, especially that i m very careful about my credit history,

Company response to consumer: Closed with explanation