vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied for a loan with XXXX XXXX XXXX XXXX XXXX ( XXXX ) back in XX/XX/XXXX and the escrow closed in XX/XX/2022. The loan was for 36 months and had resets at the end of every 12 months. I am attaching a copy of the appoval and direct your attention to the extension section stating " Borrower may never be late on any mortgage payment, taxes or insurance to qualify to extend the loan another 12 months at the end of the XXXX and XXXX month. These is no cost of the extension. '' XXXX sold the loan to a company named XXXX who then assigned the loan to BSI for servcing. We never received a " Hello Letter '' from the new Lender and did not get a " Good Bye '' letter when XXXX sold our loan. 

We started a refinance process with another lender in XXXX and XX/XX/2023 to pay off this loan. We were in constant communication with BSI during this process, BSI wanted us to stick with them and offered us favorable terms vs the reset but honestly because of all the miscommunication with them over the last several months we didnt feel comfortable staying with them. They continually accepted our payments. 

The issue we have is that BSI never ever gave us notice that they were not going to extend and once a demand statement was provided BSI then charged " default interest '' at an exhorbitant rate. 

Attached is the approval letter, we followed it perfectly but now they hit us with default interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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:
can not view credit report or file can not dispute online can not make or remove credit freeze problem with credit file can not get credit report can not get credit score

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 2023-06-02 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: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Pen fed credit union did and hard inquiry on my acct when i only did a pre qualify the website says no impact to credit but they did a hard inquiry which made me lose 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 2023-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We made our last mortgage payment with Loancare Loan Number : XXXX XXXX XXXX and we were advised late by LoanCare that new Mortgage was under XXXX XXXX. XXXX XXXX to date has never received payment from LoanCare to-date. XXXXXXXX XXXX with Loan number XXXX has put us in delinquency status because LoanCare has not paid them the last payment we made in XX/XX/XXXX. We have made several phone calls to LoanCare and seems that every time we call customer service is outside US and hang up on us. Several emails made to LoanCare but never got resolved. We were never delinquent in our Mortgage payment since XXXX. We need your utmost support on this issue.

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 2023-06-02 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: PNC Bank N.A.
State: MA

Complaint narrative:
Hi, PNC bank asked me to open their rewards Visa credit card. They told me if I open account and spend XXXX $ in the first three months ( which I did ) I will receive XXXX $ bonus. 
After I opened account with them and spend XXXX $ - the bonus they advertised was withhold, and after I called and reminded them - they decided to close the account instead of paying the opening account bonus under some " Unacceptable activity on other PNC account '' .When I asked what activity I did that considered unacceptable to PNC bank - they refused to answer. I am US citizen, have legal US job and never was or have performed any illegal activities. They have mistaken me for someone else most likely. 
Not only the didn't pay the bonus, they also stole XXXX $ in rewards on the account. Fortieth as it says. Any effort to dispute the decision with customer service resulted in the same answer - because PNC bank closed the account the XXXX $ is forfeited and would not be paid to me. Please help me to get my promised money back and stop them on this scam/fraud with advertising bonuses and not paying it to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to correct my personal information on file with the company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts impacting my credit : XXXX  XXXX {$0.00} XX/XX/XXXX XXXX & XXXX XXXX {$120.00} 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 non-monetary relief
Consumer complaint received 2023-06-02 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: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, DC XXXX XXXX XXXX XX/XX/2023 American Express : I am writing in response to a request for an explanation of the dispute on a criminal authorized charge from a taxi cab in XXXX. As I have explained several times in calls, there is no written documentation. I never signed or approved a {$5300.00} charge for a taxi cab in XXXX. 

I arrived in XXXX, XXXX, by air on Monday, XX/XX/XXXX, around XXXX XXXX  for an international conference. Two colleagues and I went to the taxi booking desks and arranged a taxi. The cost was to be the equivalent of {$25.00} which we were to pay to the driver. My colleague had been to XXXX before and knew that was the going price for the short trip. On the way out of customs, our party was met by a driver who said he was our taxi and took us to a car. In retrospect, we now know the man who greeted us was a scammer. 

We were asked to pay the {$25.00} by card. I gave the taxicab driver my amex credit card. The card was run several times and we were told it was not going through. My colleague also gave her credit card and was also told the card did not go through. At no time did either of us give him a pin or sign any receipts. We said we would pay cash and the driver took us to the XXXX XXXX, a 20-minute drive from the airport. 

Because we were told the credit card did not go through, I paid the driver US dollars in cash. He did not speak much English. 

Both my credit card ( Amex ) and my colleagues credit cards were compromised with these outrageous charges. 

As I said on repeated calls, I have no documentation, but the colleagues with me were XXXX XXXX and XXXX XXXX. They would be happy to verify my account of the case. 

I would be pleased to answer any other questions. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a detailed formal letter to Equifax via USPS Certified mail on XX/XX/2023. My letter outlined the concerns that I had regarding specific accounts that were being reported by their bureau as well as a detailed explanation as to why I wanted the inaccuracies investigated and corrected appropriately ; I also attached two FTC reports with documentation for the accounts in question and a copy of my drivers license and Social Security card in order to verify my identity. I contacted Equifax on XX/XX/2023 and spoke with a supervisor named XXXX, who informed me that although Equifax confirmed that they received my dispute and deleted one item from my credit report that was found to be inaccurate they did not investigate any of the other 5 accounts in question, nor did they keep record of the letter or supporting documentation. 
I filed a formal complaint with XXXX and was then advised that perhaps the documents hadnt been scanned into their system yet and that I would hopefully hear back from someone at Equifax regarding my formal complaint. I find Equifaxs complete failure to investigate this matter and lack of record keeping to be a violation of the FCRA and would like some form of action taken against the representative at Equifax who failed to properly investigate my dispute and lost my original letter and supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist banking has charged me a second stop payment fee to a company I had initially placed a stop payment and paid the fee upon XXXX months prior. This has allowed the company I had originally stopped a payment against to withdraw funds from my account, and when I spoke over the phone to representatives within the company, I was definitely given the runaround, and then I personally went into a Truist banking facility, and was given to separate explanations XXXX from a manager, and XXXX from a member service representative, and neither of their explanations were the same. I complained and demanded a refund for the second stop payment charge. I had to make in order to stop a company from withdrawing funds even though I proved to them and showed them with documentation that I had already paid to stop payment fee. Very unprofessional from the branch manager at the truest banking facility I entered to try to dispute my claim.

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 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COLUMBIA BANKING SYSTEM, INC.
State: TX

Complaint narrative:
I tried to reach customer service in 3 different occasion, I waited a long time and nobody answered the phone.
On XXXX XXXX I logged into my online banking and saw several unauthorized charges on my account, so I locked the card using the mobile app. I noticed that my card was lost.

Now I need to report those transactions as fraud and also request a new debit card sent to my mailing address.
The last time I used my debit cad was on XXXX XXXX XXXX  Attached goes the screenshot with the unauthorized transactions to submit the fraud dispute, I never made business with them In the past and I didn't allow  someone else to use 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 explanation
Consumer complaint received 2023-06-02 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: MI

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have had an issue with PayPal since XXXX of 2021. Someone is using my personal information such as my name, email address, and phone number to use a PayPal account. It also seems my credit/debit card information was stored there as well. Again, I do not have an account, but various charges have been made using that PayPal account with my personal and payment information on it. I have called - multiple times- to try and resolve these issues. Their support blows, as its filled with a bunch of XXXX and XXXX overseas outsourcers that have no idea what theyre doing and frankly shouldnt be employed. I have filed police reports and theyre still under investigation since my bank pretty much said to resolve this with the merchant or company that Im having this issue with. I am owed a total of {$870.00}, as those are the charges I see on my bank account that were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
transunion reinserted fraud accounts removed in credit dispute without 5 day notice they are not mine illegal fraud accounts opened illegally by criminal i sent them identity theft report and they removed then reinserted with out 5 day notice illegal activty by transunion

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 2023-06-02 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: IL

Complaint narrative:
I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

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 2023-06-02 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I opened a navy federal account in 2019 I never used the card and was the victim of identity fraud. I disputed the over {$15000.00} in charges with them and have yet to be able to resolve this issue. 

I have only used my card for {$3000.00} in charges in which i paid in full. I don't what else to do to get this resolved. I am hoping you will be able to assist me in resolving this card issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

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 2023-06-02 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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-06-02 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: COMMERCE BANK
State: CO

Complaint narrative:
The last 6 months of my Commerce Bank statement, I made the minimum payment of {$30.00}. Once they posted the payment was received, then 2 days later showed it was reversed and added a {$30.00} late fee. Called to dispute, but they would not take responsibility blaming some technical issue. Also they have been difficult in helping me to redeem my reward points. Tolerated this unfair mistake, but on my most recent XXXX statement, it happened again. Payment reversed & {$30.00} late fee. Never had an issue like this with the 50 odd credit cards I've used before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX, XXXX & XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX will not investigate my account under FCRA. The account is incomplete due to they can not provide Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance They replied with a billing and with no longer will reply. I demand you guys to fully to investigate this item. This Company illegally supplying information and not acting accordingly to the FCRA Act about furnishers duties. Please help me make them cooperate fully before I escalate. How could a collection be terms for 1 month?

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