vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 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: IA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report and below. 
I am a victim of identity theft and did not make nor approve these inquires. I demand that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

According to " 15 U.S. Code 1681q. Obtaining information under false pretenses '' it states " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. '' I feel these companies should be liable for the false pretenses they took upon my account. The following inquiries should be removed at once. 

Fraudulent Inquiries : Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX  XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX XXXX XXXX Inquiry Open Date:XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Open Date:XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX  XXXX  Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Open Date XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I make a lot of online purchases. Every time I have used my PNC card for an online purchase it gets declined. I then have to call into PNC 's fraud department as I only get a text message to verify the transaction evert 4-5 declines. PNC has to " Hard reset '' the card each time, and even then while they are on the phone the card still declines half the time. There wait time is extremely long right now because of there merger. I escalated to a manager today and the managers response is " nothing we can do to prevent it, its a known issue for over 2+ years ''. How on earth can you have problems with a system that directly impacts clients for over 2+ years and not fix it???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2021 I wrote someone via XXXX about a iphone unlock issue and they stated they will do it for {$100.00} I confirm several times in message are you sure {$100.00} will fix the whole issue they advice me yes it will. On XX/XX/2021 he send me his e-mail and stated send the payment via paypal so I went ahead and did that. He message me saying everything is good and is working on it. 4 hours after receiving my payment he said he can not do it because he need {$200.00} more the main price was {$100.00} so why all the sudden after you receive my payment now you telling me you need more I have multiple screenshots of our conversations where {$100.00} was the price THIS IS FRAUD HE JUST WANTED MY MONEY AND MORE MONEY THIS WAS MADE ON PAYPAY Transaction ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have Southwest Rapid Rewards card ( s ) issued by Chase. Many advertised benefits are offered through More Rewards. These include hotel stays, car rentals, gift cards, merchandise, and international flights. However, the More Rewards website has been " down for maintenance '' for several weeks. When I contacted Southwest, Chase and AwardsHQ ( host of More Rewards ) they all can not provide a timetable for the site to return. TODAY I received a promotional email from Chase touting the benefits of my card ( s ), which includes a link to a listing of these benefits mentioned above. Benefits that are not actually available, which amounts to false advertising. Chase is advertising benefits that are not actually available to cardholders. I'm attaching screenshots for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
Company has reported inaccurate unauthorized information to report and I am demanding this account be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: WI

Complaint narrative:
My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told XXXX I asked them about the free credit report because of the covid situation. before they agreed to sent me one Equifax and XXXX gave me a total run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told XXXX I asked them about the free credit report because of the covid situation. before they agreed to sent me one XXXX and Experian gave me a total run around.

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 2021-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Did not attend classes at all for that institution for XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ). Not sure why I am getting charged for classes I never took. I did attend XXXX  and got a XXXX  back in 2007 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) but this accounts I did not attend at all. I did sign up but never attend due an unexpected hardship at the time therefore never attended classes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: TX

Complaint narrative:
I began a bankruptcy by taking the class required After taking the class and seeing how much it was going to effect me there was no point in following thru with the bankruptcy the paper work was never filled yet this remains on my credit Ive disputed with Experian and they say because there is a court record then it happened but you can see by the dismissal letter that no paper work was ever received by the court. That bankruptcy should not be on my credit because there was never a bankruptcy happened XX/XX/2019 Also the reference number they have on file Is incorrect

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 2021-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
My XXXX in XXXX XXXX XXXXXXXX passed away on XX/XX/XXXX and was a Citibank customer. I am her executor but live in Arizona where there are no Citibank branches. 

I contacted Citibank after obtaining a court appointment from XXXX XXXX XXXXXXXX probate and was told that I could fax or mail information showing my appointment including a copy of my drivers license, court appointment, and death certificate. I did not want to send PII information via fax and requested secured email, but was told they had no ability to accept secured email. I never received response from Citibank and called times between XXXX and XXXX for updates but only was able to get to their general customer service line. I chose to re-send, via certified mail, the original requested information. 

On XX/XX/XXXX, I received a letter from CB confirming receipt but indicated I now needed to send a notorized letter providing instructions. ( This was included in my original request ). I followed up along with a death certificate of the additional signer on the account ( my mother who died a year before ). 

On XX/XX/XXXX, I received 2 checks in the amount of {$17000.00} and another for {$.00}. This equates to approximately was in her Checking Account. I called Citibank today ( XX/XX/XXXX ) to inquire on her Savings Account which as a balance of approximately {$100000.00} with the number listed in their correspondence and was told by customer service that they were " unable to talk to me '' given I'm not listed on the account. They noted that they could not connect me with the department that processed the check nor could they help me. They said to call the same number that I had just reached them on. 

I'm a CPA and have been the executor ( unfortunately ) for other passed family members. I have never seen a financial institution act in this manner. It has been 10 months since my aunt passed and the account is yet to be closed properly.

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 2021-10-19 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: WI

Complaint narrative:
My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told transunion I asked them about the free credit report because of the covid situation. before they agreed to sent me one XXXX and XXXX gave me a total run around.

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 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Company called several time asking for an XXXX XXXX. Asked company to stop calling and then called back to back right after for sbout 5 minutes. Used fowl language as well.

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 2021-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC
State: NJ

Complaint narrative:
Because of COVID I applied for a deferment and was approved in 2020 I received a notice of servicing transfer from Novad to XXXX for FHA loan I am in need of a pay off for the partial payment deferment so I can close on a refi I have called all the numbers on the letter and can't seem to reach anyone for assistance. The recordings are all the same. 

This is been going on for a month XX/XX/XXXX when I started this process. It is causing me stress and I even may lose my locked rate. 

I really need to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: TX

Complaint narrative:
Hello, This is in reference to closed case # XXXX. If you open up the case you can see all the notes. XXXX  XXXX XXXX noted in several documents within the case that only one inquiry was sent to Transunion on XX/XX/XXXX for opening up a credit card account. 

However, I spoke to Transunion today and they're still claiming they show two inquiries from XXXX  XXXX XXXX on XX/XX/XXXX on my file. Transunion was not helpful in providing documentation of this only to tell me XXXX  XXXX XXXX needed to send them a Letter of Deletion to the following address XXXX XXXX XXXX XXXXXXXX, PA, XXXX Transunion also told me I needed to send a letter authorizing Transunion to remove an authorized inquiry from XXXX  XXXX XXXX. Transunion gave me this file number : XXXX. 

This is very frustrating as neither side seems to take ownership. 

Please reach out to me, as I need this inquiry off my Transunion file asap. 

Thank you. 
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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the Equifax XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. 
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been following very closely the activities of my mortgagee, 5/3 Bank. After I complaint about them in regards to the handling of my mortgage deferment, and more than 10 phone calls, the case was finally solved.

I tried to set up auto-pay and log in into my online banking account. To my surprise, 5/3 reinstated two Equity Lines in my name and started reporting since XX/XX/XXXX. 
I am attaching the statements of these accounts. 
The first Equity line of credit account number ending in XXXX is said to have started XX/XX/XXXX, and has a balance of {$11000.00}, no information on next payment amount and a payoff amount of {$19000.00} The second Equity Line of credit account number XXXX states that the account was started XX/XX/XXXX and has a balance of {$25000.00}, no information on next payment amount and a pay-off amount of {$43000.00}. 

Please note that I filed bankruptcy in XXXX and requested a loan modification to retain my residence. Any debts associated with my property at XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX were consolidated in a new mortgage loan # XXXX. According to the XXXX website attached statement, the balance due in this account is {$110000.00}. 

However, the account shown in their Loansolutionscenter.com shows a balance of {$130000.00}, as shown in the attached statement. 

I called their Customer Service department and I was transferred 6 times. I was on hold for more than two hours between transfers talking to one person and then another, who will continue transferring me to someone else. One of their agents told me that they could see that my bankruptcy case was discharged in XXXX and the accounts were discharged. She could not explain why the accounts appear as active now and were started to be reported in XX/XX/XXXX. 

I was forced to file bankruptcy Chp. XXXX in XXXX which was discharged XX/XX/XXXX. I am attaching a copy of the discharge. 

None of the Equity Lines of Credit should be showing in my account, and the mortgage balance should show the correct amount after the deferred amount was added.

I want the Equity Lines to disappear from my account and the mortgage loan to show the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
I am in the process of a loan modification with PennyMac after Covid forbarance. They have sent the initial loan modification offer and the program they say it is " Veterans Administration ( VA ) Disaster Streamline Modification ''. ( You have qualified for a loan modification " Trial Plan '' under : Veterans Administration ( VA ) Disaster Streamline Modification. ) From what I saw and told them there is no program with that name. There is the VA Disaster Modification and a Streamline Modification. After about 20 minutes they still did not say what of the two programs it was but by some of the definitions they read off it seemed like a Disaster Modification. 
It seems they are being purposefully deceptive on what modification they are offerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
RobinHood Markets won't let me access my account and has had it restricted for over a year. They restricted it when an XXXX trade was halted and restricted from purchase. At this time a deposit didn't clear but it did not cost them anything because once I realized they had restricted the security for trading I sold the security for the alleged deposit. When the deposit didn't clear it was because they restricted the purchase of the stock. I don't want to shut the account down, but I do want to access funds which I already had in there before said trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act Law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$1600.00} XXXXBalance {$410.00} XXXX XXXXBalance {$940.00} XXXXBalance {$0.00} XXXXBalance {$2000.00} XXXXBalance {$0.00} XXXXBalance {$1300.00} XXXXBalance {$0.00} XXXXBalance {$0.00} XXXXBalance {$510.00} XXXX {$640.00} XXXXBalance {$370.00} XXXXBalance {$840.00} XXXXBalance {$840.00} XXXXXXXX XXXX XXXXXXXXBalance {$640.00} XXXXBalance {$690.00} XXXXBalance {$470.00} XXXXBalance {$530.00} XXXX*-Balance {$360.00} XXXXBalance {$590.00} XXXXBalance {$460.00} XXXXBalance {$680.00} XXXXBalance {$960.00} XXXXBalance {$780.00} XXXXBalance {$1100.00} XXXX Amount : {$0.00}

Company response to consumer: Closed with explanation