vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 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: Utah System of Higher Education
State: UT

Complaint narrative:
My student loan servicer is UHEAA They decided that they would just report me to collections because they " couldn't get a hold of me ''. which is absolutely ridiculous considering they have my cell phone number and I have been making all my payments. 

I requested they remove the negative reporting and they told me that the bureaus are the ones that remove that not them. I told them that is not the case since I work with credit all day and I know how reporting works. 

They again said they can not produce any documentation to show what they did was inaccurate. I am in the process of refinancing a number of my mortgages and this is causing a distress to me and considering this is all inaccurate I need it removed right away and they are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
PNC Bank is not allowing funds to be added to XXXX. Not an account issue, it's an institution issue. Very disappointing when PNC Bank allows for internet banking on their own site but not through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: FL

Complaint narrative:
I submitted a dispute on two collections accounts from the same company listed on my Exp. credit report : XXXX XXXX Acct # XXXX & # XXXX with Experian. The first dispute process came back as a verified medical collections. 

I sent out direct dispute letter and followed the process that Experian required for the next step. The sent out a letter XXXX  to the address listed on the Experian Credit Report. The items came back undelivered to the address listed. I was unable to validate the debt with a direct dispute with XXXX XXXX. I then submitted follow up dispute to Experian and showed proof of all documents XXXX  and letters and request Experian to DELETE the tradeline. Experian closed the new dispute and said it was verified/updated. These items do not belong to me and I have no information. Experian is reporting inaccurate information and continues to report it in violation of FCRA.

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 2020-06-23 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: NY

Complaint narrative:
This creditor is giving me no choice but to file a Cfpb complaint regardless I have been disputing this account since XX/XX/2019. I do not see that they are taking my disputes seriously as they keep on reporting the same information without investigation. 

The incorrect and inaccurate reporting is greatly affecting the credit score that hinders me from getting a car. I already disputed this account and called the creditor and yet they havent fixed this issue. This account is only reporting in Transunion which I do not understand what is the basis on keeping it in my credit report. Most of the account information in the report was inaccurate. I would like this account removed as soon as possible.

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 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Hello Subject property, Loan # XXXX XXXX XXXX XXXX XXXX, XXXX Arizona XXXX This home is and always has been a rental property. 
The current loan is serviced through .Specialized loan servicing ever since the loan was sold by XXXX XXXX XXXX 
With the current Pandemic and the current tenants having trouble making there payment. I thought I better contact Specialized to review my options. This loan is a non Government backed loan. I asked who owned the note and was informed specialized would not tell me without a written letter. 
A letter was sent to the address was sent to specialized on XX/XX/2020 asking who owns the note received a letter saying Specialized had received my letter on XX/XX/2020 As of XXXX I have no idea who owns my note and am asking you to assist me in getting this question answered If Specialized keeps withholding information that I am entitled to. I would like to see you fine them. At that point I shall seek a legal remedy.

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 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I've been trying to set up an investment account for ages. I tried with PNC originally to set up a brokerage account and they were unprofessional with me. Now that I'm trying other online services the company won't let me do an account transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: GA

Complaint narrative:
contacted Experian via automated system for a freeze to be temporary lifted on XX/XX/XXXX and refreeze on XX/XX/XXXX, experiand let a company access my credit report on XX/XX/XXXX even thought I request it be froze that date.

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 2020-06-23 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: MI

Complaint narrative:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below and if the ftc. XXXX  XXXX, XXXX  no account number is was added it was a secured card, XXXX XXXX XXXX XXXX .... XXXX XXXX who has not removed this account after multiple times of contacting them directly and also requesting validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was on a vacation trip with family and lost my wallet on the ground at XXXX XXXX, and ever since then i have been dealing with fraudulent issues.

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 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have set up autopay with the bank, received confirmation : auto-payments did not go through and I am charged condo association fees, had to set up again with agent helping me. 
Banks website is not functioning properly and it cost me money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 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: CA

Complaint narrative:
this complaint starts with CFPB complaints including XXXX, with incorrect late payment reports. this complaint was not adequately addressed with Experian and other CRAs, believing the complaint was not made by me, XXXX XXXX, and therefore was not addressed. XXXX  and XXXX  also have not yet adequately responded. PLEASE HAVE CRA REPRESENTATIVE CONTACT ME DIRECTLY FOR COPIES OF SENSITIVE FINANCIALS THAT PROVE LATE PAYMENT REPORTING IS INCORRECT. (  the following was my feedback to complaint XXXX ) This complaint is mine, XXXX XXXX, and was written and furnished by me to the CFPB for their assistance in correcting wrong and derogatory reporting by these creditors, XXXX XXXX, XXXX, and XXXX, to the CRAs. Please assist me and the CFPB in removing all reporting by these creditors. The creditor is not adjusting the reporting to CRAs as it might reflect guilt during this civil litigation and the issues are sensitive to the mismanagement of escrow funds and violations of RESPA, namely refunding surplus escrow funds. These are the primary reasons the creditor refuses to change CRA reporting and why I, XXXX XXXX, am asking the CRAs to work directly with me and my documentation that proves the mortgage servicer has always been in receipt of the monthly payment, or more, within 30 days of the due date. I am looking forward to a representative from each of the three credit reporting agencies to contact me directly at XXXX for copies of my financials, including mortgage statements, that will not be made public or shared with any other party.

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 2020-06-23 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 Plus Inc
State: UT

Complaint narrative:
My student loan servicer is XXXX They decided that they would just report me to collections because they " couldn't get a hold of me ''. which is absolutely ridiculous considering they have my cell phone number and I have been making all my payments. 

I requested they remove the negative reporting and they told me that the bureaus are the ones that remove that not them. I told them that is not the case since I work with credit all day and I know how reporting works. 

They again said they can not produce any documentation to show what they did was inaccurate. I am in the process of refinancing a number of my mortgages and this is causing a distress to me and considering this is all inaccurate I need it removed right away and they are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
XX/XX/2016 FOR 3 CHARGES. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I took a cash advance from this company in the amount of {$1700.00} on XX/XX/2020 and paid it back in full today, XX/XX/2020. I had the loan for 16 days and was charged over {$450.00} in interest which amounts to an APR of over 650 %. The APR I was quoted was 299 % which is bad enough. This company preys on individuals who find themselves in bad situations for whatever reason. Then, they charge more than twice the interest certainly that I was expecting. I dont see why these types of companies are even allowed to do business in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Contacted experian about credit score not being updated for months, Ive been making payments on all account on time, and no recent negative posting from XXXX but my score doesnt change positively at all. Also submitted several dispute to remove negative information and statements on the report and keep showing same information. I have credit history for over 9 years but experian keep showing and saying on my report that I have a short credit history.

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was on a vacation trip with family and lost my wallet on the ground at XXXX XXXX, and ever since then i have been dealing with fraudulent issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was on a vacation trip with family and lost my wallet on the ground at XXXX XXXX, and ever since then i have been dealing with fraudulent issues.

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 2020-06-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Due to COVID 19, my XXXX  and income took a drastic casualty. We were unable to pay on personal loans for the past three months. Because of this, we made the efforts to contact each of our lenders to arrange payments. Each of the lenders enrolled us into their programs to delay payments and reporting. 

However, two credit card companies have still reported missing payments. I followed up with each of the lenders, but they simply reply saying " Any credit issues should be dealt with by the credit bureaus. '' Both companies have acknowledged that their records show I am enrolled in the programs. 

The credit card companies are XXXX XXXX and Citibank. 

It is my honest assumptions that this is a system glitch. However, there could very well be something on my part that I did not do, primarily due to ignorance. This has never happened to me before! 

As my records will show, prior to COVID 19 I only had one missed payment in the last 9 years, which was my first credit card ever. 

It is my great hope and desire that my credit history and your grace will stand in the gap for me in this instance, because I am not sure what else to do. The past 4 years of my life I have maintained above a 680 credit score. In the last thee months it has dropped to almost a 500. 

In my best efforts to fix this matter, I have also taken the measure of seeking help to restore my credit. And growing in my education as much as possible.

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 2020-06-23 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: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
GM Financial sent an invoice for lease end fees which was received by me approximately three days before it was due, and with absolutely no information regarding the rationale for the charges. I attempted multiple times to challenge this before contacting CFPB. The CFPB inquiry fortunately finally got me a response from the company. Unfortunately, the company 's delay in response resulted in over a month without resolving the issue. Before I even received the physical copy of the response from the company, they reported my account ( which was being contested by me ) as past due. The company is now refusing to remove that reporting, despite the fact that the payment was not made as a result of the company 's own delay in response. I feel they are trying to use credit reporting to strong-arm consumers into paying unsubstantiated assessments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
I received a email that my credit score went down and they found an open account. Someone recently opened a XXXX  account owing {$4000.00}. I never opened a XXXX  I only had XXXX  XXXX and just opened a XXXX acct. I tried to dispute the error but they said the information is correct. Some one used my ssn in XX/XX/XXXXto buy stuff with XXXX  its false and Im not paying {$4000.00} for something I didnt do! Who ever looked at my dispute need to look again anything I opened will be on my credit but XXXX  no it wasnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: CA

Complaint narrative:
SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by XXXX XXXX XXXX. 

This delinquent account record is inaccurate because there was an error through the payment system for XXXX XXXX, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, Experian, and XXXX  that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX company does not offer auto pay / auto debit to be able to ensure your account is paid on time. They did offer the ability to schedule up to 3 future payments. I set up scheduled payments for three months at a time because it is the only way I can ensure that it is paid ontime and not have to go online each month to make a payment ( very very inconvenient ). I had schedule payments through XXXX of 2020, but received calls from this company today stating that I was late. I went online to check my account and there are no scheduled payments pending. I was charged a late fee. I made my past due payment which they convienently combined with my XX/XX/XXXX payment. I was forced to pay XXXX and XXXX together. I then tried to schedule payments for the next 3 months and the ability is now gone. I called the company to try and find out what happened. They told me that they do not offer the ability to schedule payments any longer. I asked what happened to the payments that I had scheduled through XX/XX/2020 and she did not have an answer. I feel like this company is setting consumers up for failure in order to take advantage of our current nations crisis. I am one of the people who would like to make sure that my account is paid on time and they offer a very slim window to do that. I believe they are praying on consumers to be able to have them default on payments to increase their APR 's and charge them late fees to make more money. I have many credit cards for both personal and business along with other store cards and ALL of them offer auto pay. XXXX XXXX is the ONLY card that does not offer auto pay or scheduled payments. Why would a company take away payment options and only provide you with the bare minimum options during a Pandemic?  My guess to charge late fees and boost APR 's to take advantage of people to make more money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was trying to open an additional separate account to save for a big ticket item and PNC has changed their security so Im unable to open an account through XXXX. Theres no way to open an account due to COVID precautions without me taking risk. Id appreciate the ability to open an account to put my savings into

Company response to consumer: Closed with explanation