vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 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: FL

Complaint narrative:
Because Experian has been reporting XXXX XXXX credit services as verified on my most recent credit report from annual credit report.com I was recently turned down for a car loan. 

XXXX XXXX credit services reports inconsistent information along with multiple inaccurate details. 

No account balance is being reported No last date of activity is being reported No payment history is currently being reported No details on if account was sold or transferred. All violation of FCRA rules section 1681

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 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was told by a verizon representative that with the a new verizon visa credit card i would received {$10.00} credit per eligible line if i acquired the credit card. I checked with verizon rep that my lines were eligible. I have 4 lines. Thus - should be {$40.00} credit for all lines combined. When my first bill was paid with Verizon visa - no credit. After many calls - no one can answer my questions as to why there is no credit. Plus, on XX/XX/XXXX - a verizon agent told me that I would not get a credit with a verizon visa credit card - i needed a verizon visa debit card - which they dont even issue. 
Once again verizon is promoting products they have not educated the rest of the company on and promoting dishonest product selling lending practices. 
Interesting though, their current marketing material doesnt seem to have this information anymore. So, it looks like i was lied to in order to open a card then without further communication to me they changed the rules. 
Additionally, there verizon visa credit card site is continually down. 
As of XX/XX/XXXX I have closed the 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 monetary relief
Consumer complaint received 2020-07-28 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: LA

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax credit bureau to dispute an account reported in collections, that had already been deleted in XX/XX/XXXX. 
I spoke with the representative, and she agreed that she saw that the account had been deleted a year ago, due to fraudulence. She reviewed that I sent in a letter a long with the police report. 
She then told me that they would have to reinvestigate. Of course I was confused, but I allowed it. 
This morning XX/XX/XXXX, I spoke to another associate ID # XXXX she stated that they verified the account. 
I asked her what was used to verify the account. 
She stated that the furnisher provided the correct balance and name on the account. 
Being that I am claiming the account is fraudulent, I asked if the furnisher provided proof of contract with my signature and proof of Identification. 
She stated that they DID NOT provide such proof. 
She then demanded that I send all the information SENT LAST YEAR, AGAIN, because they no longer have all the documents Sent prior, that caused them to delete the account in XX/XX/XXXX. 
I find this to be ridiculous! I recently had to have other aliases and addresses from my report that did not belong to me. They also do not have all the positive accounts that belong to me on my report with them that appear on XXXX and XXXX. 
( This is clearly an error on their part due to a partial reinvestigation, and continuing to allow false information on my reports. Which I failed a claim on the data breach suit. ) When I asked to speak to someone else, she told me that she has no legal department for me to speak to. She then told me she would have to disconnect call, when I asked for her associate ID, because I had her on speaker phone. ( while sitting in my car alone ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently sent out a letter on XX/XX/2020 to Transunion to dispute some inaccuracies on my credit report asking them to remove/correct the information listed on the letter. I sent out a follow up a letter on XX/XX/2020 and still haven't received a response. To my knowledge, they are in direct violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for investigation.

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 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested how the information in my report was validated and XXXX refuses to provide this information to me without supplying them 12 documents to prove who I am when this is an invasion of my privacy and a way for them to collect more information to sell to the credit bureaus. They are refusing to provide how the received the information on my report. I have contacted the court in XXXX regarding the bankruptcy and they have stated that they do not provide this information to any of the credit bureaus nor do they give this information to public reporting agency such as 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 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
Hi! 

I originated a First Time Homebuyer mortgage ( through the One Mortgage Program ) with Rockland Trust in XXXX. In XX/XX/XXXX, I applied to refinance the loan with Rockland Trust. I was ultimately approved and closed on a 20 year fixed rate mortgage refi. However, I didn't find out until the day OF closing that I would be required to hold PMI with the refinanced loan. Under my previous mortgage, PMI wasn't necessary. To my knowledge, none of the paperwork I reviewed prior to closing ( throughout all of the emails, documents, and discussions I had with the bank to complete the refi ) mentioned that I would need PMI. I didn't find out that PMI was necessary until I read it on the paperwork at my lawyer 's office, on the day of closing. I went through with the closing since I was already at the lawyer 's office and all of the paperwork had been complete. I called the mortgage representative at Rockland Trust while I was at the lawyer 's office, but he just apologized and stated it was required. 

It's not a huge sum of money, but it extends the amount of time it will take for me to " break even '' in closing costs for the refi by a few months. I reached out to both the Lender at the bank I was working with, as well as Customer Service through the Online Banking message feature. However, no one has escalated this to a manager at the bank, which I've requested repeatedly. I'm looking to see if,  given the circumstances, the bank would be willing to refund some of the closing fees, to make up for the PMI that I must pay for 3 years. I likely would have waited to refinance the mortgage, had I known that I'd be required to pay PMI. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax should not be reporting me as an authorized user on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Caliber Home Loans has repeatedly wrongfully assessed a late fee. I send all payments via USPS Priority Mail with signature required. Despite proof of receipt on XX/XX/2020 at XXXX XXXX. Caliber Home Loans sent my account to collections and assessed a late fee on my XX/XX/2020 statement. The receipt date for processing according to Caliber is XXXX on the XXXX. 

I have USPS signatures on all payments made to Caliber Home Loans, including 5 others in which Caliber Home Loans has assessed a late fee. I have previously requested from Caliber the ( 1 ) month, year of the alleged late payment, ( 2 ) date the payment was allegedly received by Caliber Home Loans and ( 3 ) date Caliber Home Loans processed the payment. Caliber has never provided the requested information. 

I made the request again to Caliber Home Loans in my XX/XX/2020 letter. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: MD

Complaint narrative:
On XX/XX/2020 I wrote a letter to Equifax, requesting that they update a debt I had with XXXX to reflect a Zero balance. I sent them the payment receipt, letter from the Branch Manager where I had the service, and a letter requesting that they update my balance to reflect this debt has been settled. Equifax investigated, and left the debt the same. I settled the debt, and I expect my credit to reflect the update. I should not have to constantly write letters, and go on this site to have my information properly updated. XXXX and XXXX updated the information. Why is Equifax unwilling to update my balance with XXXX from XXXX to {$0.00}? The problem that I have with these credit bureaus is who are they verifying the debt with because why are consumers constantly complaining about these credit bureaus. Why am I able to settle the debt with the company, and provide them with the payment info, resolution letter, and they still refuse to remove this erroneous incorrect information from my credit report? 

I do not believe equifax even performed a thorough investigation into the debt or my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
I am reaching out because I was contacted through XXXX XXXX XXXX XXXX XXXX and Certegy for a debt that is not mine. I initially filed a complaint against the collection agency. They came back with some information that was XXXX and old, so now I am going after the initial company with hard based facts. I do not owe any debt to Certegy or the collection agency for a business that I was connected to for a domain name. They state that there was a website purchased and/or initiated for in XXXX. The business was dissolved in XXXX and that is proven by information on the secretary of state website in GA. Also, in a recorded call, the rep reads off a drivers license number that does not belong to me. No of this belongs to me. I have already reached out to XXXX corporate office to see if there are any active accounts under my maiden name and married name. If they are, they are fraudulent. I am stating that communication by Certegy and XXXX XXXX XXXX XXXX XXXX are ceased immediately unless they state that they are removing this debt from underneath my name. Outside of that, there is to be no communication by mail, email, or phone to me at all.

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 2020-07-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Residential Bancorp
State: ID

Complaint narrative:
Myself and my realtor has been working feverishly to sell my home in XXXX NV. The buyers mortgage company " Residential Bank Corp '' has missed contractual deadlines, and failed to close on the sell of my home on time. This has caused humility and embarrassment for me when purchasing a new home here in XXXX ID. I want to make a serious complaint against this mortgage company for not meeting contractual agreements, and fraud. Additionally, Id like to make a complaint against the buyers realty company as well for hiding information as to why the mortgage company isnt performing to banking expectations on closing my home deal. This was scheduled to close and fund on XX/XX/2020 and its not XX/XX/2020. I signed my ending settlement 14 days ago and sent money into escrow to close the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a international bank transfer thru World Remit for a total of {$800.00} for transfer to XXXX to my wife 's bank account, XXXX XXXX. My wife 's contact information, bank account number and bank routing number and swift code are all correct. I have a receipt and an on line account with World Remit. The money transfer was not and has not posted to my wife 's bank account as of today, XX/XX/XXXX. I have filed notices with World Remit Customer Service via phone and e-mail since XX/XX/XXXX and have very limited response other then they are waiting to hear from XXXX XXXX as of XXXX XXXX. I have received no updates or questions about this transaction since. 

Thank you for your help in this matter XXXX XXXX XXXX Ref : E-mail from World Remit XX/XX/XXXX Hi XXXX, Thank you for contacting us. 

This is regarding your transaction XXXX. We understand the importance of your request and apologies about this matter. We have sent an email to our local partner to check on the funds not yet credited to your recipient 's account. We are waiting for their response. No worries, we will send you an email as soon as we receive their response. 

If you haven't already, try downloading our mobile app, where you can track the status of your transaction from the Transaction History tab. 

If you have any further questions, you can check out our Frequently Asked Questions here. 

Kind regards, XXXX XXXX WorldRemit Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
I took notice I was getting charged {$63.00} every two weeks from my bank account during an audit and realized it was for furniture that I purchased from a store. When I called in to ask how much I paid so far it was a little over {$800.00} for a purchase I made for a little over {$900.00}. I informed the woman on the phone I wanted to just pay the difference as I totally forgot to go in to pay off the rest in its entirety with all going on in the world right now I was totally sidetracked with everything. She informed me that there is a second early pay off option but instead of paying the difference I would be paying about {$600.00} to pay off the purchase. {$600.00} more worth of interest for a {$900.00} purchase??? Makes zero sense to me no matter how many times she tried to explain to me jargon that only those in that office were trained on in trying to explain why that is supposed to make sense. I asked her was that even legal to charge that much interest as such and she explained to me yes, it is in fact, legal. I called again today to get arbitration information from the company and to stop any future electronic deductions until I can come to a reasonable lump sum agreement and I was informed by a supervisor that I was actually in a rent to own situation. That was NOT explained to me by the store as it was explained I had a line of credit to purchase items!!! Overall they want me to pay almost {$1800.00} for a {$900.00} purchase which I am NOT doing!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Will not let me join XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: GVA Holdings, LLC
State: SC

Complaint narrative:
Hi my name is XXXX XXXX and the company Im filing a complaint on is Bright Lending XXXX. XXXX XXXX XXXX, MT XXXX XXXX On or around XX/XX/XXXX I borrowed {$500.00} from a loan company called Bright Lending. It was a fast arrangement and the gentleman seemed very helpful and zipped me right through. I let him know that I did XXXX XXXX  part time and could steadily pay back the loan every time I was I had parts of the payment and certainly within a year. I gave him my bank info to make the deposit and electronically signed my name. Later that evening I discover the interest would be like {$2500.00}! And then last week they drafted my bank account, which put it in the negative, and now Ill have late fees of {$35.00} every week from my bank. I just had XXXX on XX/XX/XXXX and was counting on receiving a payment reminder or something ... .I couldnt believe they drafted my account. I called Brightlending yesterday XX/XX/XXXX to have the drafts stopped so I could afford to pay them back. I got a flat refusal. After I hung up the phone, about an hour later I received a payment reminder via email ... a little too late. My bank cant stop the automatic draft and Bright Lending will not. I was struggling which is why I desperately contacted a loan place. There was no mention that my bank would be drafted. They didnt even ask for a pay stub from me. Which I dont have one because Ive been ill the past 3 years and havent worked. I am hoping you can point me in the right direction. I want to pay back the money, of course, but not the astounding interest fee. And Ill never be able to pay it back with my bank account being in the negative and the weekly {$35.00} overdraft charge on top of it. 
I was completely misled about the drafts. This is terrible. I cant afford the ridiculous interest not the bank draft charges every week. And I can not access the My Account on their website to attach the interest rate they threw on me. Its like this company takes the money from the bank and there isnt even any money in my account! So now I owe the bank! 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I over paid my Bank of America XXXX card to the tune of {$27000.00}. I have called Bank of America several times and asked for the over payment be returned to me They have made several promises to return my money to me, but have not done so.

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 2020-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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