vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 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:
Hi I didnt apply for a XXXX card dated back XX/XX/XXXX and I didnt accept this card in my name and it has two phone numbers it dont belong to me in my name .... and XXXX completed there investigation and find it that I was responsible for this account but they never called me or send me any letters at all and I didnt apply for this card ... but I wasnt held responsible on two previous XXXX   accounts and I have the letter and the proof they send me in the mail on XX/XX/XXXX on another XXXX account ... XXXX has been giving me a hard time and they have rude customer service and they never ask for police report and never called me ... I want this account to be temporary removed off my credit report while they do there second investigation ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I'd like to remove permanently my fraud alert and consumer statement, so creditor cam view my credit.

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 2019-12-05 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX The company named XXXX  XXXX XXXX XXXX, Deleted 25 account from my XXXX  Credit report. My credit score was an XXXX on XX/XX/XXXX, and because I have no account showing on my XXXX   Credit report my credit score dropped to a XXXX. I called XXXX  the company on XX/XX/XXXX I spoke to a rep who said that I dont have any accounts reported or listed on my XXXX  credit report, and that this is per the Creditor. 
I asked the rep how do I go from having 25 accounts listed on my XXXX  report 3 months ago and now having zero accounts not listed on the credit report. I explain to her that the 25 accounts are still active and that they should be showing on my XXXX  report. The rep said that I need to reach out to each creditor to let them know that my accounts are not being report to XXXX. This should be the job of XXXX  to investigate and not take decisions that will hurt the consumers credit. 
My wife, and I have been saving money to buy a house, and we are getting ready to apply for a Mortgage. The company XXXX  XXXX XXXX XXXX has wrongfully manipulated by credit history in a careless way. I am asking for the Consumer Financial Protection Bureau to investigate XXXX  XXXX XXXX XXXX negligent wrongful handling of my credit history. I this report I will provide all the creditors that were deleted my XXXX  credit report, and I will attach the XXXX   creditor reports showing zero information for my credit. 
It takes a long time to establish credit and to establish a good score. I want for XXXX  XXXX XXXX XXXX to re-instate all my 25 accounts, FIX MY CREDIT SCORE, and to show accountability for the errors and problems that they have caused. 
XXXX  Account XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX   DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT US DEPT. OF EDUCATION XXXX - XXXX  DELETE ACCOUNT XXXX  XXXX XXXX XXXX credit card - XXXX XXXX  DELETE ACCOUNT XXXX  XXXX XXXX XXXX XXXX  XXXX - XXXX   DELETE ACCOUNT XXXX XXXX  XXXX XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX - XXXX  XXXX ACCOUNT American Express XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX - XXXX  DELETE ACCOUNT XXXX- XXXX  XXXX XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX   DELETE ACCOUNT XXXX - XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX  XXXX XXXX  DELETE ACCOUNT XXXX XXXX  XXXX XXXX XXXX   DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  DELETE ACCOUNT XXXX XXXX  - XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX   XXXX XXXX  DELETE ACCOUNT XXXX  XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  DELETE ACCOUNT WELLS XXXX EFS XXXX - XXXX  DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  DELETE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK
State: PA

Complaint narrative:
I have my auto loan of 4 years with Gateway One Lending and Finance. My account number is XXXX. I pay through direct pay from my credit union checking account. When my account went into arrears, I was locked out of my online account for not answering representatives phone calls. I have notified the account supervisor XXXX XXXX in response to e-mails she and the credit department sends letting me know they are trying to reach me via telephone. I told Ms. XXXX I do not have access to my online account and NEVER get paper statements so I have no idea how much I owe, ever. Ms. XXXX has stated she has updated my account to allow me access but I still can not get in. She also replied they send statements to my address, which they never do. I have even updated my account until my recent move XX/XX/XXXX. 

How am I to keep up on an account I have no idea how much I owe? Ms. XXXX told me I owe {$730.00} on XX/XX/XXXX after I told her I just sent a payment of {$300.00} and have no idea how much I owe for the reasons stated. My payments are {$440.00} per month, so although she told me I owe two months, I owe less than two months and actually less than 1 after my {$300.00} payment. 

I need statements and I should not be locked out of my online account because I do not take their calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the refinance of a mortgage from Bank of America to another lender, the payoff amount was sent by the title company to Bank of America to pay off the old loan. This payment was sent XX/XX/2019 by XXXX XXXX XXXX XXXX, Fed Ref # XXXX. Bank of America did not process the payoff until XX/XX/2019 at a per diem interest charge of {$59.00}, which cost me {$230.00} ( 4 days x {$59.00} ). They claim they take up to 72 hours to process payoffs ( though this took 96 hours ). However, even though it takes up to 72 hours, they also charge an " Expedited Payoff Service Fee. '' To have them " investigate '' this further, they are requiring that I send in a written letter to which they will reply in written form. This will not only result in months of delay, but I am highly skeptical it will even result in a favorable outcome. Having it be in a written manner just allows Bank of America to take their time and to have this drag on as long as possible. 
The delay of 72 hours on payoffs an absurd way to keep another {$100.00} - {$200.00} from the hundreds of thousands of borrowers Bank of America services. On top of that, the Expedited Payoff Service Fee is yet another way to take as much money from the consumer as possible with no benefit to anyone, but the bank. Consumers pay for things if they get something in return ; there is no return service in this case. It does not take a company the size of Bank of America 72 hours to process a wire received with all aspect of the loan attached to the wire instructions. Every other loan servicer I have interacted with will process payoffs the same day as the wire received which is not only more efficient for the servicer, but actually helps the consumer by not paying on two loans at the same time.

I also wonder how title allows this. Wouldn't I have two 1st liens on my home at the same time for the four days?

I always find it interesting that a bank makes money by lending to consumers and charging those consumers interest, yet when the bank has the consumers ' money, they can hold onto it interest free for as long as they want.

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 2019-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had an issue with this bank in the past when first being told I owed this surprise debt in the summer of 2016. We could not come to an agreement, I refused to pay the surprise debt if they did not reduce it and unless they retrained in marring my credit report. They refused so I did not pay it. Years passed. unfortunately my car broke down. The transmission went. I had no intention of selling my car or getting rid of it. It had XXXX  miles on it. A real shame. I could have given it away to a family member who was in dire need of a car and that is what I had originally intended on doing. This bank would not release this title even after three and a half years! They had eventually charged off the debt but still would not release it. Unfortunately for me I could not even dump my car ( sell it for cash to a junk yard ) without a title. No one would deal with me. So i had to settle with them and give them {$150.00} and wait weeks for my title. Terrible. In the meantime I even got a ticket for inspection! The car was on the street. Could not drive.  The transmission went. Finally I got rid of the car for a paltry {$200.00} after spending a thousand dollars in repairs only months before the transmission went. On top of this I found out that the bank had actually written off the debt. It is on my credit report! Not charged off. WRITTEN OFF. It states it clearly on my XXXX  Credit report, currently. I was told years ago by the DFS of NYS that they could not do this without releasing the title. How did they get away with this? All this bank does is send numerous copies of past invoices showing payments in triplicate! I dont ' know why did they keep doing this. Its a waste of paper. What are they trying to prove? They are talking about the past and the original debt that I owed. Why? that is not what this is about. This is a matter of them taking my money to settle. They took my {$150.00} and still wrote this off? I am going to also report this to the DFS as well. They were not supposed to write off the debt before or after taking my money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/19 I have received notification form the credit bureaus in reference to an alleged debt reported on my credit file from Midland Credit Management in reference to XXXX XXXX XXXX. Midland Credit Management has not notified me of this debt via mail or phone call in reference to this alleged debt owed. Midland Credit Management began reporting this alleged debt on XX/XX/19. It is illegal and a violation of my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
I have been trying to have this incorrect report removed from my XXXX   Credit Report since this first took place in XXXX. I have tried REPEATEDLY to communicate with managers and representatives alike. Back in XXXX I was finally able to talk to a manager about the situation - which is that this was not billed to my insurance even though I had Insurance - and I was told it was going to be removed and MY ACCOUNT NOTED. Yet this never happened. I was NEVER even notified of this debt and AS SOON AS I RECEIVED A PHONE CALL I WORKED WITH THE HOSPITAL AND MY INSURANCE TO HAVE THE BILL PAID IN FULL. It was. The hospital has since changed ownership and they are not able to provide me with any records or notes because I was told their system has been changed and there is no way to access the old XXXX XXXX XXXX XXXX. Under the CRNR, a client has the right to be notified before a negative report can be made on their credit and I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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:
CRA continues to violate FCRA 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other consumer protection laws, state laws and federal laws. 

Also CRA is claiming that they haven't received any correspondence by way of the CFPB from 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 2019-12-05 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:
I'd like to remove permanently my fraud alert and consumer statement, so creditor cam view my credit.

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 2019-12-05 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: CT

Complaint narrative:
I'd like to remove permanently my fraud alert and consumer statement, so creditor cam view my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Refinancing Experience I met with XXXX on the week of XX/XX/XXXX to refinance a loan for a XXXX XXXX that I had been preapproved for online. We met at the XXXX branch on XXXX XXXX. We had agreed that XXXX would send the check out for an amount of {$10000.00} and an additional {$1000.00} from my checking account. I remember her asking me if she wanted me to have her send it, and I said yes please. She concurred and said she would do it first thing tomorrow morning. 


The following week of XX/XX/XXXX I called XXXX located in XXXX to check the status of the loan. It was still open, and they had not received anything. I called PNC and a customer service representative told me I called too soon. However, when I explained that when I send a check through PNCs bill pay feature online, the check is never late. Nonetheless, I was dismissed. I asked the customer service representative to investigate the trace number associated with the check. I was told they dont have that ability. 


This continued on until I finally sent a check of {$1000.00} to XXXX on the XX/XX/XXXX. When I called, they received my check. I contacted PNC and explained the entire situation again. I was told XXXX rejected the check, because it was not for the full amount. I was told our checks did not get there at the same time, but I shouldnt have had to send my own check anyway. 


I was also told that any interest would be waived, since this issue began. Empty promises. I havent seen a thing except a car payment to PNC for which they have no collateral. And what do I get? Two car loans. 


Currently to date, XXXX has still not received the full payoff amount. The escalation team has been of little to no help. Im not sure the lower interest rate is worth the hassle. I have spent more time and effort fixing PNCs mess than the less than 1 % interest on a {$10000.00} loan PNC has provided me with. If this loan is not paid in full by COB today, I will be cancelling this loan. That is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: VA

Complaint narrative:
I have been disputing multiple accounts on my credit report and I haven't seen any responses from XXXX or Transunion. It almost seems like they're not taking anything serious currently. I would just simply like them to remove these accounts that are not mine. It is going on six months of no responses from this, I will attach all my letters to this complaint to prove my struggles with them. I'm just trying to move forward with my life and these accounts are hindering me from getting a new home and new job opportunities.

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 2019-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been paying XXXX dollars every months since XX/XX/2018 until today for an austanding balance of XXXX a And the balance do not come down. How this criminal practice is allowed. I shouldnt be put in this position, when i am paying and trying to get this XXXX paid, but those crooks are making it difficult. I need your help please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My complaint is against Barclays bank account # XXXX open XX/XX/2004 Status open. I have more than 15 years in having this line of credit with Barclays Bank and have never been late with them. This past XX/XX/XXXX when I checked my reports I saw a 30-day late payment been reported to credit bureaus. When I researched what happen, was that they reported my 30-day late because of an annual fee that I didnt even know I was paying for who knows how many years. This is unfair business practices, negligence, I never received a late payment insertion notice required by California Reporting Act. And the list of violations can go on. I know this can be a mistake and it can happen to any company that it is why Im using Consumer Financial Protection Bureau as a portal so we can get to an agreement. I want a deletion letter as soon as possible from the mentioned company so I can provide to my mortgage company. I have {$600000.00} home loan pending because of this mistake. So please be reasonable, let s continue making business and lets avoid court for a very simple thing to correct. Please see unfiled attached document. Many thanks to whomever reads this complaint.

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 2019-12-05 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
- I closed my SYNC Bank Amazon Prime Store Card account after the final payment making it {$0.00} outstanding- on XX/XX/2019. 

- Despite closure SYNC BANK is continuously reporting wrong credit info to both XXXX and XXXX- decreasing my credit history. 

- As of today XX/XX/XXXX, Sync Bank they have last reported {$2900.00} outstanding on XX/XX/2019 and has reported {$3200.00} outstanding as of XX/XX/2019. Evidence is attached with this complaint in form of jpegs. 

- Due to this my reported utilized credit has gone to 99 % on XXXX and 91 % on XXXX. Evidence is attached with this complaint in form of jpegs. 

-It is noteworthy that I have made 100 % payments on time on all my cards let alone Amazon Prime Store Card . 

- My Amazon Prime Store Card was formally closed on the actual date of XX/XX/2019. Evidence is attached with this complaint in form of jpegs. 

- After I disputed this info with XXXX XXXX it was rejected by Sync Bank as invalid or inaccurate. And that they can not further process this request anymore. Evidence is attached with this complaint in form of jpegs.

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 2019-12-05 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: FL

Complaint narrative:
CRA continues to violate FCRA 605A.  Identity theft prevention ; fraud alerts and XXXX XXXX alerts [ 15 U.S.C. 1681c-1 ]  605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other consumer protection laws, state laws and federal laws. 

Also CRA is claiming that they haven't received any correspondence by way of the CFPB from 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 2019-12-05 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: FL

Complaint narrative:
CRA continues to violate FCRA 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other  consumer protection laws, state laws and federal laws. 

Also CRA is claiming that they haven't received any correspondence by way of the CFPB from me.

Company response to consumer: Closed with explanation