vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im not sure what happened with the first complaint because I never received any updates and when I called with the ID complaint number, my case wasnt found. With that being said, I would like to put in another complaint on Experian and XXXX. They arent complying with my dispute request. I sent them a letter on XX/XX/21. Then, I turned around and sent them a second letter XX/XX/21, because they never responded to my first letter. I sent them a 30day demand and comply and they still havent responded with any signed documents on my behalf. Can you guys please follow up with this for me? 
Thanks!

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 2021-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I purchased a home on XX/XX/XXXX using a VA Home loan Through U.S. Bank office branch located in XXXX, IL XXXX. I am a XXXX Veteran in the state of Illinois and am property tax exempt. My closing disclosure specifically states that i will not have an escrow account set up for County Property Taxes. US Bank Disbursed out of my escrow for property taxes that were credited to me during the closing process causing a shortage in my escrow. US Bank has now tried setting up an escrow account for county property taxes increasing my payment from {$750.00} to {$1000.00} ( if the shortage is paid in full ). My current payment including 1/12 of the shortage amount and the estimated escrow will be {$1300.00} nearly doubling my minimum payment. I have contacted my local branch and their corporate customer service via phone. I have not had this issue resolved and I believe it is pure negligence from US Bank and my loan officer for not providing documents that were submitted to them and causing undue hardship and not abiding by the final closing disclosure.

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 2021-10-27 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: OK

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
For the past 18 months, Chase has deferred our mortgage payments due to pandemic hardships. They told us on about XX/XX/XXXX that we could defer our past due amount until the end of the loan period without penalty or extra interest. However, we were told that Chase needed to make a final decision on it and that we would receive a confirmation letter within two to three weeks. 

On XX/XX/XXXX, I inquired about the status of the deferment and was provided no further information. 

It has now been three weeks and we have received no information from Chase, our amount due on XX/XX/XXXX is over {$93000.00}, which is three business days from today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NJ

Complaint narrative:
Please see attached documents, as it contains that information that is requested. it includes my complaint and identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
To whom it may concern, I was applying for a mortgage with XXXX XXXX middle of XX/XX/2021 ( Mortgage Loan Officer NMLS ID : XXXX PNC Bank ) when she just stopped responding after I emailed her all my financial documentation. I feel my identity has been stolen just like my financial information. I never got a response, tried to email her or call her, and just no response at all. I feel she stole my identity. 

( c ) XXXX ( f ) XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I currently have an American Express blue card since XXXXwhich I have maintained religiously. Last two months I received an email that a platinum card in my name is approved and issued and it will cost me more than {$500.00} yearly. Since I dont have that kind of money and didnt apply for this card, I immediately called American Express and asked them not to issue the card. They promised not to send the card and with no effect on my credit score, but the card came anyway and my credit score went down from XXXX to XXXX. When I called a second time to complain about the arrival of the card and the damage to my credit, I was told to disregard the card and no solution was offered to the damage to my credit. My question is, whos benefiting in opening this account and drastically affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 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: FL

Complaint narrative:
I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I DIDN'T RECIEVE ANY RESPONSE HOWEVER, SOME OF THE ITEMS THAT I REPORTED WERE DELETED AND SOME WERE NOT. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS.

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 2021-10-27 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/21 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting inquiries that dont belong to me. I call and sent proof for them to delete and remove.

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 2021-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Navient calls 2 to 5 times a day. 1 time is sufficient. Sometimes it's from multiple numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On the morning of XX/XX/2021, I received a notification from my insurance company ( XXXX XXXX XXXX stating that my mortgage insurance premium had not been paid by my lender Pentagon Federal Credit Union ( PenFed ), from my escrow. I then proceeded to login into my mortgage servicing portal online at PenFed. I saw that a payment was made to a XXXX mortgage insurance policy on XX/XX/2021, in the amount of {$1700.00}. I have never had a XXXX mortgage insurance policy and called PenFed to figure out why my account reflected the wrong policy and why this money had been paid to the wrong account. I was told by PenFed to call XXXX to discover why I had another policy. 

XXXX discovered that the policy that was paid from my escrow account was for an address similar to my own and that they thought this was an error of double payment. XXXX stated that they refunded the money sent to them from my escrow account to that other homeowner. I spoke with another PenFed rep, and they informed me that I had to try to get the refund from XXXX for an account that was not mine and a significant error on their part. I was provided the check number and the dates the erroneous check was sent and cleared from PenFed and asked to provide that information to XXXX in an attempt to fix the situation. I asked why I had to coordinate between both of the companies ' mistakes and why PenFed couldn't take the lead in correcting this problem, to which I was given no sufficient answer. 

On the final call on the evening of XX/XX/2021 to XXXX, their insurance billing team stated that I needed to have PenFed fax them a copy of the erroneous check and that they would investigate it. This completely contradicted the conversation I had hours earlier with a PenFed and XXXX rep at the same time. 

I called PenFed on XX/XX/2021 at XXXX XXXX to request that they fax the check image to XXXX to start the investigation. My account information for the mortgage still reflects the wrong policy number in the PenFed system. Also, I asked how my mortgage insurance policy premium would be paid now that my escrow account would not cover the balance, and it was past due on XX/XX/2021. I was told that PenFed would look into it.

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 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I made the XX/XX/2021 payment, in full, a day early. For some reason PNC 's systems, following the acquisition of XXXX, can not process this transaction. PNC is refusing to fix the problem or accurately reflect the payment. Worse, PNS is engaging in harassing debt collection practices to collect the payment I have already made. Thus, PNC is effectively attempting to double collect the payment due in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: DriveTime
State: NC

Complaint narrative:
Hey so theres like XXXX unauthorized and unknown inquiries on my credit. I dont know who is inquiring about things on my credit but I am not doing any of these. I have my car note, my Open carry weapon loan, my XXXX credit cards and self. Thats it. So all of the other stuff? Im very confused as to where it came from and I believe its fraud

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 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On or around XX/XX/2021, I used the money transfer app, CashApp, to send a payment for {$250.00} to XXXX XXXX. The money was never wired to XXXX XXXX and on XX/XX/2021, I received a notice in my CashApp account notifying me that the transfer had expired and {$250.00} would be refunded to my account. However, as of today, XX/XX/2021, CashApp has refused to refund the money to me.

I contacted my bank to dispute the charge -- because CashApp withdrew {$250.00} from my bank account for the above-referenced transaction. The bank issued a credit to my account as a refund. However, CashApp has continued to debit by CashApp account for the {$250.00}. For instance, I recently cashed in on {$97.00} in bitcoin, and CASHApp deducted the {$95.00} from my CashApp account and posted a negative balance of - {$150.00}. In other words, they are still charging me {$250.00} for a transaction that never went through.

I have reached out to CashApp ( via text and email msgs ) on several occasions, and they keep telling me that they are working with my bank to resolve the issue, meanwhile, they are placing debits on my account! Please help me stop this theft! 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am still receiving bank statements concerning my fraudulent XXXX Account even after sending in my cease and desist to order them to delete the following account in dispute. I want to cease collection activity on this account through all mediums and forms of communications including consumer reporting agencies and delete this account because they have not sent validation pursuant to 15 USC 1692g. They are saying I signed a contract however, have sent me no proof of said wet signature nor original contract with my wet signature on it. Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Even if this was an account I claimed to be mine, this account should be an open end consumer credit plan, see 15 USC 1602 ( j ). Nonetheless, this is a violation of my consumer and privacy rights.

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 2021-10-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXXDate of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX, 2020 XXXX-Date of Inquiry XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX-Date of Inquiry XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am the consumer in fact, a natural person and a federally protected consumer under title 15 chapter 41. This complaint is a result of unfair & deceptive practices that harmed me, a consumer privacy, defamation of my character & reputation.

I have sent a letter to Equifax XXXX XXXX XXXX  ON 10/8/21 demanding that those inquiries ( transactions ) to be removed from my consumer report based on 15 USC 1681a ( 2 ) ( b ).

Those inquiries were not removed.

I the consumer and the card holder didnt not benefit from the extension of credit to the financial institutions below that resulted in adverse action. 1681a ( K ) I didnt benefit from the extension of credit and didnt give any explicit authorization and written instruction for it to be furnished on my consumer credit report. This is a clear violation of my privacy and defamation of my reputation. 

The above are clearly FCRA violations of my federally protected consumer rights and therefore all the disputed inquiries should be removed from my report immediately. 

Disputed inquiries to be removed immediately : XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I XXXX XXXX am natural person, and consumer. I am aware of my consumer rights and the laws set in place to protect consumers against unethical debt collection practices. I contacted PayPal Credit on XX/XX/2021 I spoke with XXXX XXXX # XXXX she stated to me my credit card payment was being partially applied because Synchrony bank has the right to violate my consumer rights and hold any and all payments and apply them to my credit balance whenever they deem fit. This egregious behavior is a direct violation of 12CFR part 226 truth in lending ( regulation Z ).

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 2021-10-27 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Misreporting mortgage account status to my credit reporting agencies. Due to the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) Mortgage Payment Forbearance. I was forced to apply and was approved by BB @ T Bank now called XXXX Bank. I was told that my credit was not going to be affected. Now I can not get a simple credit card of XXXX approval because of the report from BB @ T ot XXXX, XXXX etc. I believe I am being punished by the bank for being in forbearance.

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 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Requesting Citi bank to provide by mail the original note of their alleged debt that they are reporting to the credit bureaus under my name to be mailed to me at my address with all statements on this account. Failure to provide the original note per legal law. Only the original note holder is allowed to collect a debt. Failure to produce all these original documents will be considered violations under law. And the continuing of all credit reporting to the credit bureaus as well.

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