vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Complaint : Previous complaint file number XXXX follow up. 
Denied by PNC, new input is as follows ; There was a signature card was on this account. said checks were in numeric order, drawn at another bank. with an increase in funds drawn from a small amount to a larger amount and should have alerted thee bank to fraudulent activity. being that the checks were cashed at another bank it created a lag time in the reporting process for the account holder. Nonetheless, fraudulent activities should have been caught by PNC had they been using the tools at their disposal to detect fraud diligently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
Hello CFPB, Thank you for reviewing my case. I sent the below description to TCF Bank 's loan servicing email ( XXXX ) as directed by a customer service rep, but since sending that message on XX/XX/XXXX, I have not received confirmation in writing that their disputes team was working on my case. I called in to ask if they would confirm in writing and they denied my request, stating this process usually takes 30 days. The below description of events and attachments will illustrate how TCF made the mistake ( s ) and 30 days is not acceptable for processing as my family needs to refinance our mortgage now, not later. 

Dear TCF Bank, I am unable to move forward with the refinancing of my current mortgage with XXXX XXXX XXXX because TCF filed two erroneous late payments with all three credit bureaus after I had received formal notice of my TCF account being successfully closed and paid in full. Please see attached Credit Report ( first two pages only and I have blacked out my SSN to protect my PII ). The purpose of this email is to have TCF remove these late payments from my record with all three credit bureaus and respond to me in writing that these late payments were reported in error. My loan was paid off in its entirety in XX/XX/XXXX, and I have attached two notices ( email from XX/XX/XXXX with XXXX XXXX 's signature and mail from XX/XX/XXXX with XXXX XXXX 's signature ) indicating the loan was paid off in full and closed, yet TCF reported late payments in late XX/XX/XXXX and in XX/XX/XXXX. I have attached all the evidence that will be required to move this forward quickly and easily. I know this is a simple mistake by TCF and it shouldn't be a big deal, but it's having a large impact on my household financially. I hope we can remedy this situation very quickly without my having to file complaint with the consumer finance protection bureau ( obviously that's what I'm now forced to do ). 
Attached email notice from XX/XX/XXXX of closed account Attached mail notice from XX/XX/XXXX of closed account Authorization to close line of credit on XX/XX/XXXX when I started the process of making final payments and closure of the account. 
Please note that I copied all individuals on the above email that had either signed off on the closure of my account or reached out to me in XXXX and XXXX about this mistake but neglected to ever mention that I was in threat of having late payments reported to the credit bureaus. 
Again, I am trying to refinance my mortgage immediately to take advantage of the low interest rates, which could really help my family during COVID. Immediate attention to this issue would be greatly appreciated. 

Please send back receipt of this email, contact information for individual that will investigate this case and stay in touch with me, and an estimated time for completion. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
I pulled my credit report because I'm looking to purchase a home and I noticed I have accounts reporting that does not belong to me. I tried to resolve this issue with the bureaus but I'm getting no where because they aren't governing the Fair Credit Reporting Act.

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 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: PA

Complaint narrative:
I sent an email to Flagship auto regarding my loan with them on XX/XX/28 after calling repeatedly. My partner and I XXXX  XXXX and i was out of work and needed to make a payment arrangement before my payment came due. My email went ignored and my payment was reported late. I think its completely unfair considering I couldnt reach them 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 2020-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN SUBMITTING ALL THE REQUIRED DOCUMENTATION TO YOU AND THE THE BUREAUS, I HAVE EVEN SENT THE NOTARIZED DOCUMENTS TO YOU THE BUREAUS. THE FRAUDULENT ACCOUNT FROM BANK OF AMERICA WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. THE CHARGES AND THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO XXXX  MANY TIMES THEY KEEP ASKING ME TO SEND THEM COMPLETED FTC REPORT, BUT NOTHING IS BEING DONE.

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX # XXXX, US DEPT ED # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: OK

Complaint narrative:
I wrote the debt buyer XXXX XXXX, XXXX. XXXX XXXX, XXXX, SC XXXX back on XX/XX/2020. This entity purchased a receiveable from XXXX XXXX XXXX. The bank made a banking error and took a payment out of the wrong bank account that threw my bank accounts in chaos as well as various credit accounts. The bank failed to make me totally whole. In addition, there were some charges made on the account that was not mine, and the bank failed to handle these in the correct fashion. 

I have included here in a copy of the correspondence that I sent to XXXX XXXX that details this transaction. This provides all the pertinent details.

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 2020-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
My ex boyfriend worked for the call center at US Bank in XXXX XXXX Wisconsin. 

He informed me that US Bank no longer requires XXXX XXXX screening. 

Why does US Bank allow XXXX XXXX XXXX into its bank and for deposits with its XXXX XXXX  customers? 

Isnt that illegal per Federal Laws?

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN SUBMITTING ALL THE REQUIRED DOCUMENTATION TO YOU AND THE THE BUREAUS, I HAVE EVEN SENT THE NOTARIZED DOCUMENTS TO YOU THE BUREAUS. THE FRAUDULENT ACCOUNT FROM XXXX  XXXX XXXX WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. THE CHARGES AND THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO EXPERIAN MANY TIMES THEY KEEP ASKING ME TO SEND THEM COMPLETED FTC REPORT, BUT NOTHING IS BEING DONE.

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 2020-05-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Windham Professionals, Inc.
State: AK

Complaint narrative:
XX/XX/2020 ; {$1300.00} ; I received a call from Windham Professionals to collect a debt. The debt collector did not make it clear and did not introduce where she was from or what exactly was needed from the phone call. I repeatedly informed the debt collector through that I was already working with an agency, XXXX XXXX XXXX, to consolidate my debt and pay off this debt. I told the debt collector that her approach felt harassing. At the very end, she offered to reduce the debt, though did not mention this at all previously during the conversation. The debt collector also called during my work hours on the phone I use for my work.

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
mY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB is XXXX my SS # XXXX. I am having issues with inaccurate information on my credit file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current EMPLOYER/ JOB : XXXX XXXX ar XXXX XXXX XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2020-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I need PNC to stop blocking XXXX from accessing my account via 3rd party apps like XXXX, XXXX etc. I want to be able to access my accounts securely but PNC wont even allow it to communicate. I believe I have the right to use these apps after proving my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I requested a credit line increase with XXXX for my XXXX XXXX XXXX. The option I selected was for a instant credit line increase which specifically stated " this will not cause an inquiry on your credit report. '' No sooner than five minutes later did I get a notification of a hard inquiry on my Equifax report. I called to dispute this and they said they could do nothing about it and apologized. Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX. 
Company XXXXnquiries TRANS UNION XXXX XXXX XXXX XXXX XXXX  XXXX  I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX  # XXXX, US DEPT ED # 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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX. 
Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX # XXXX, US DEPT ED # 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 2020-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
Ive attempted to contact on numerous occasions Guild mortgage in regards to XXXX loan through XXXX XXXX renovation loan officer her manager and the third party company ( XXXX XXXX ) rep. XXXX XXXX whose to oversee the rehabilitation but to no avail the sale was closed without a walk through previous tenants still onsite refusing me access to property I purchased in XX/XX/2020, Sale agreement ( contract ) stated property was to be delivered tenant free thats the major and first problem. Secondly, XXXX loan has stipulation in regards to work for rehabilitation should be started within 30days of purchase and completed within 6 months. Til date work has not been commenced because tenants refuse to leave. Ive been trying to get help from Guild mortgage since XXXX but they are not providing me with any answer. I leave messages with callback information and no one calls back. In XXXX I started reaching out to third party company XXXX  XXXX for assistances Ive been told they will escalate to Guild Mortgage. Im still waiting. The frustration about this is Ive been paying mortgage on time since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
On XX/XX/2020 there was an unverify entry on my credit report. I have previously sent letters by mail to verify the validity bof this information on my credit reports. 
I tried to settle this account even without verification but company refuses to remove unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
MY PLEA TO WELLS FARGO IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY XXXX CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT FROM AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER APPLIED FOR A ANY TYPE OF CREDIT CARD FROM WELLS FARGO.

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 2020-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
I voluntarily Repoed the vehicle. The vehicle was repossessed in XX/XX/XXXX. I have called Credit Acceptance and they do not do anything for me. They told me after the car was sold in auction they were stop reporting on my credit. its been a few months now and they still keep reporting saying Im behind on my payments when the car was repossessed voluntarily. The balance continues to increase although I dont have the vehicle and they told me they would stop reporting. The company never sent me a letter or any statements whenever I would make my payments when I had the vehicle it was all made over the phone.

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
MY PLEA TO XXXX XXXX IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY EXPERIAN CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT FROM AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER APPLIED FOR A ANY TYPE OF CREDIT CARD FROM 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 2020-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The loan was open XX/XX/XXXX with an interest rate over 20 percent it has been 6 years and the loan is up the car was sold once repossessed for about XXXX and sold and staying I owe remaining balance after reading and stating they were sued which I will attached article and they will remove and cancel and has no payments made on it since XX/XX/XXXX. This debt has harmed me. Being a single mother and trying to work isnt easy.It has aided in the denial of my home loan, which it has caused undue stress in these already stressful times and caused undue financial pressure. I also mentioned that the debt should be considered satisfied and that the trade line be deleted from all credit bureaus it is reporting to. After reading article, they should settle those accounts in thats range. 

https : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I requested a credit line increase with CitiBank for my Costco Visa Card. The option I selected was for a instant credit line increase which specifically stated " this will not cause an inquiry on your credit report. '' No sooner than five minutes later did I get a notification of a hard inquiry on my XXXX  report. I called to dispute this and they said they could do nothing about it and apologized. Unbelievable.

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
information was compromised during the massive 2017 XXXX data breach, my ' private information, including names, Social Security numbers, dates of birth, credit card numbers and driver 's license numbers. I had Credit monitoring which seem to not help ive paid for Bureaus to alert me and Ive been lock out account made me economic deprived from loan if I need to seek financial help due to my credit I havent got to open and enjoy my credit because of the mess thats been going on for years of debt I hadnt accumulated Im a victim Ive took you guys to court which some due to my email being Compromised I lost a lot of documents I couldve helped me during my court process of me already being the victim of identity theft/data breach the increase that you guys have still havent approved my credit score is a four theres a lot of suffering

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