vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I did a mortgage forbearance with the company ( XXXX XXXX  XXXX during COVID - I was told the missed payments would be added to the end of my mortgage- not LOANCARE has taken over and they told me that I can only do a modification that would increase the overall cost of my mortgage and extend the term. I did not want that so I paid all the back payments which were cashed by them on XX/XX/25 - I have proof of the cashed checks but they dont seem to have record of it. I call / email daily and no one gets back to me.

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 2021-07-08 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: TN

Complaint narrative:
I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, collection accounts that reports an open account status. {$0.00} balance owed accounts that reports an inaccurate account status and payment status. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Hi Santander CONSUMER USA/XXXX/XXXX/XXXX/CFPB ; It's impossible that this account can ever be marked as investigated as accurate because it continues to report the same incorrect and multiple inaccuracies. See the letters i sent before attached. It's reporting incomplete, inaccurate, misleading, and multiple inaccuracies on my credit report and it's causing this account to illegally re-aged on my credit report. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : JANUARY 3, 2017 2:17-CV-00012 ; Barber v. Santander Consumer USA , Inc . FILED : SEPTEMBER 20, 2017 2:17-CV-01227-CB ; Blakely et al v. Santander Consumer USA , Inc . FILED : JUNE 6, 2018 2:18CV1647 ; Wilson et al. v. Santander Consumer USA , Inc. FILED : JANUARY 13, 2020 4:20-CV-00152-KGB ; ). Therefore, there are so many errors and violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: KS

Complaint narrative:
I opened an account XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 during the promotional period that offered {$300.00} bonus for meeting certain requirements, including {$1000.00} direct deposit OR make 10 debit card transactions within 90 days. I satisfied the debit card transactions requirement on XX/XX/2020 and have now waited over one year without receiving the promotional bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Received a text message approximately on XX/XX/XXXX from Bank of America asking for authorization for a credit card. Then a credit card arrived with a {$20000.00} credit line that I never applied for.

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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Due to a recent notification that my personal data was involved in a breach, I tried to contact TransUnion to institute a " freeze '' using their online option. All went well until the last part of the registration request, when I got an error message indicating they couldn't complete the request due to " problems '' on their end. 
The " chat '' link didn't work. 
I called the " Website Access '' phone number, and [ after 10 minutes on hold ] spoke with a " rep '' about it, was assured I was being transferred to someone who could effect the completion of the online " freeze '' request. 
NO SUCH LUCK. I was transferred back to the SAME voicemail menu in which I'd started. Another another 10 minutes of holding, got another rep who PROMISED I would be transferred directly to the dept. that could " finish '' the online request [ which is the only way to get a pin # that you can later use online to " unfreeze '' -- if it's done via phone, it can only be undone via phone! ]. 
Result of transfer : SAME MENU. I finally gave up. Guess I'll have to use the sucky phone option, if that even works!

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 2021-07-08 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 Credit Systems International, Inc stated that they are requesting a deletion from the Credit Reporting Agencies. As of XX/XX/2021 XXXX and XXXX is reporting that the account has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX, XXXX stated that they are requesting a deletion from the Credit Reporting Agencies. As of XX/XX/2021 Experian and XXXX  is reporting that the account has not been 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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I initially applied to Equifax in XXXX to have a credit freeze placed on my credit file. In XXXX I requested and was given a replacement PIN for the freeze. In XXXX of XXXX I applied for a car loan but they couldn't access my credit file because of the freeze. I decided to have the freeze removed but could not immediately access my records with the PIN number needed to lift the freeze so I financed the car privately. 
Today I called Equifax, with documentation in hand, including the PIN, to request the freeze be lifted. Although I have a letter from Equifax dated XX/XX/XXXX which provides the replacement PIN and which references the original credit freeze date of XX/XX/XXXX, today XX/XX/XXXX Equifax tells me I have no credit freeze on my account. In my conversations with Equifax agents " XXXX '' and her supervisor " XXXX '' I was told I have no credit freeze, I never had a credit freeze, I did have a credit freeze, they don't know how or why the freeze was removed, the reason the car dealership couldn't access my credit must be a problem on the dealership 's end, Equifax no longer uses the PIN system and that is why they can't access any record of the freeze. They also refused to send verification that there is currently no freeze on my file. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I entered an agreement with CapitalOne on my credit card ending in XXXX through its collection agent XXXX XXXX. Prior to a dismissed Chapter  XXXX bankruptcy, my account was in good standing. After the Chapter XXXX was dismissed, I tried to resume payments but was told the account had been charged-off. I agreed to a settlement of {$1500.00} making 6 payments of {$250.00} to satisfy the account. I was told I could call back and re-negotiate the agreement after a few successful payments. I called back on XX/XX/XXXX and ask to re-negotiate the agreement to {$1000.00} due to financial issues which was a direct result of COVID-19. I earn income as a XXXX XXXX XXXX  and a XXXX XXXX for XXXX ; as you are aware all institutions of education were impacted. I shared this information with XXXX XXXX ; at that time Capital One took over the account. I paid the {$1000.00} based on the re-negotiated request in XX/XX/XXXX. None of the payments made were reported to the Credit Bureaus. I spoke with the representative XXXX XXXX at XXXX on XX/XX/XXXX regarding this account and I was told again that the account is not longer with their offices - I would have to reach out to Capital One. I called Capital One at XXXX and spoke with XXXX, Agent # XXXX on XX/XX/XXXX. After discussing the issue with XXXX, he stated the XX/XX/XXXX agreement was no longer an option and the {$1000.00} settlement agreement was denied and I would have to enter into a new agreement based on the current balance of {$2500.00}. XXXX indicated he would have to speak with his superiors regarding an acceptable amount - I was told $ XXXX was required to satisfy the account. This is {$1100.00} over the initial agreement and it appears Capital One is trying to collect 2-3x more on the account as we all know the charge-off ( bad debt ) was transferred or sold to a collection agency for pennies on the dollar and then reinstated to collect from me again. Not to mention, Capital One filed this charge-off as a loss on its balance ledger to the IRS. This is causing an adverse effect with my federal employer and my clearance which is a requirement for my continued employment and an extreme hardship to my credit report. I have since been extended new opportunities from CapitalOne and all accounts are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: HI

Complaint narrative:
I received a voicemail from my employer about a request for a fax number so that Apex could fax over a garnishment order. There was no other information nor did the person claiming to be from Apex leave a contact number. 

All of my obligations have been taken care of or in the process of being taken care of. I would like this action and their communication with either myself and my employer to cease and decease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
Settlement amount was agreed upon & paid. 
Lawfirm assured me that a satisfaction of judgment would promptly be filed with the court. 
It's been almost a month since the payment was made. Judgment still remains. Attempted to telephone Stillman Law Firm but was unable to speak with a representative due to heavy call volume.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had to request disputes with Transunion twice. Transunion took. XXXX points off my score. XXXX  XXXX membership charge if someone needs to dispute the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: RI

Complaint narrative:
Account opened fraudulent in my name trying resolved problems. With this company is violet my right because post in my credit report information no correct ignored my police report send

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have sent numerous Email to Nelnet regarding inaccurate reporting of a late payment, my loans was transferred over to Nelnet in XXXX of XXXX, On XXXX I called Nelnet to advise them that due to covid -19 and I'm on umemployment that I can not make payment, the representative put me on a a unemployment deferment. ON XXXX I received a notification that I have a 90 days late payment on my credit that is impossible because I was under the unemployment deferment, I wrote them a letter and also sent them proof of my phone records that I spoke to them on XX/XX/XXXX, XXXX they stated that they dont have any records noted on my account. This is unfair and unlawful against my consumer rights to make me pay for someone else negligence for not noted the account. I have attached my receipts along. I spoke with a Representative name XXXX on XX/XX/XXXX at XXXX and he stated that there is nothing he will do and that it will remain,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NY

Complaint narrative:
In XX/XX/2021, I changed the my auto-payment bank account ( i.e. the account from which my balance was paid every month ) and lost my Bank of America Visa, thus getting a new account number. 

On two occasions in winter, I entered information concerning my new auto-payment bank account and spent more than 10 hours trying to pay automatically. Each time, I appeared to be successful, the automatic payment appeared and was then refused, adding late fees and returned check charges. I refuse to pay any late charges since late payment was caused by their software problems. 

I have sent them three letters and have opted out of further electronic communication with them. 

In addition, during my last conversation with their representative, I learned that their file contains erroneous accounts. It reports that I was called at work ( I have been retired for 15 years ) and that I claimed my wife handles the bills ( I am divorced ). I have notes on the actual conversation. I was told that this information was supplied by a vendor, but it was clearly fabricated. 

I have sent them a check for full payment of my original balance, and told them to close my account. I have not heard back.

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 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I've tried to close my accounts with PNC bank 2 times and the representatives don't want to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: CT

Complaint narrative:
Im on a joint auto loan with my girlfriend and when she decided to refinance with XXXX, they ran her credit ( of course ) but my credit as well without my consent. 

Now, I have a double entry on my XXXX  report from Pentagon FCUa company I never even heard of. 

Anyway, I was never asked for my credentials or for verbal authorization to run my credit. How does this happen?

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 2021-07-08 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: MA

Complaint narrative:
Hi XXXX XXXXXXXX XXXXXXXX/XXXX/TRANSUNION/CFPB ; It's impossible that this account can ever be marked as investigated as accurate because it continues to report the same incorrect and multiple inaccuracies. See the letters i sent before attached. It's reporting incomplete, inaccurate, misleading, and multiple inaccuracies on my credit report and it's causing this account to illegally re-aged on my credit report. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : JANUARY 3, 2017 2:17-CV-00012 ; Barber v. Santander Consumer USA , Inc . FILED : SEPTEMBER 20, 2017 2:17-CV-01227-CB ; Blakely et al v. Santander Consumer USA , Inc . FILED : JUNE 6, 2018 2:18CV1647 ; Wilson et al. v. Santander Consumer USA , Inc. FILED : JANUARY 13, 2020 4:20-CV-00152-KGB ; ). Therefore, there are so many errors and violations.

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 2021-07-08 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi XXXX XXXXXXXX XXXX/XXXX/EQUIFAX/XXXX/CFPB ; It's impossible that this account can ever be marked as investigated as accurate because it continues to report the same incorrect and multiple inaccuracies. See the letters i sent before attached. It's reporting incomplete, inaccurate, misleading, and multiple inaccuracies on my credit report and it's causing this account to illegally re-aged on my credit report. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : XX/XX/XXXX XXXX ; Barber v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Blakely et al v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Wilson et al. v. Santander Consumer USA , Inc. FILED : XX/XX/XXXX XXXX ; ). Therefore, there are so many errors and violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NY

Complaint narrative:
I was informed that " hard inquiries '' on my 3 credit reports from XXXX, Equifax and XXXX  would be removed this month, XX/XX/2021 but none of the credit reporting agencies have updated me or provided a report to me displaying this removal WHICH IS HARMING MY CREDIT SCORE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NY

Complaint narrative:
I was informed that " hard inquiries '' on my 3 credit reports from XXXX, XXXX  and Experian would be removed this month, XX/XX/2021 but none of the credit reporting agencies have updated me or provided a report to me displaying this removal WHICH IS HARMING MY 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 explanation