vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I reached out to PNC Bank to settle my delinquent HELOC and the representative from PNC Bank advised me to submit an application form with a settlement letter. PNC Bank acknowledged the receipt of the documents. The request was under review since than. 
I received a decision letter from PNC Bank dated XX/XX/07 stating that PNC Bank was unable to provide a loan payment plan but that was not my request. I called PNC Bank to go over the letter and the representative that assisted the call gave me a hard time and never gave me the proper information about my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
On XX/XX/XXXX, I sent a letter Account Resolution Services ( ARS ) credit collection agency disputing the debt that is being reported to all 3 major credit bureaus in the amount {$940.00}. I requested that ARS provide me with validation of the debt in the form of a copy of an original bill and a detailed statement of procedures. I asked that this information be sent to me via U.S. Mail within 30 days. On XX/XX/XXXX, Account Resolution Services sent me a letter stating that the debt is valid, but failed to provide the proof verifying the debt as I requested within my legal rights. They also failed to provide me with the ORIGINAL CREDITOR 'S contact information including full name, address and contact number. On XX/XX/XXXX ARS sent me the exact same letter again without any additional information stating that the debt has been verified by " their client '' and has continued to report this on my credit. By not providing me with the proper verification within the required amount of time ARS has blatantly disregarded the FCRA and FDCPA law. Now as of XX/XX/XXXX this inaccuracy is STILL being reported and I have yet to be given the opportunity to investigate this debt. I am requesting that you require this agency produce proof or immediately stop reporting this debt as it is affecting my ability to obtain credit with other lenders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: GA

Complaint narrative:
Experian failed to investigate the inconsistencies I pointed out to them within 30 days ( section 611 ). These are a violation of my FCRA rights ( section 623 ). There is no way possible to say Experian verified an account while it is still reporting inconsistently. I exercised my FCRA rights under section 611 and requested a method of verification of their reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I contacted Navient, I notified them that this account was identity theft. I also submitted certified letters, affidavit, police report, driver license, social security card, a copy of my identity theft report, a copy of notice of furnishers, a copy of 605B, asking them to please remove this account from my credit report. I have gotten no response. I have made phone calls and sent follow-up letters. last one sent XXXX/XXXX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Upon Checking my credit report. I noticed XXXXwo accounts placed on my credit report from a company called " security credit services. One account was for approximately {$390.00} and another for approximately {$290.00}. I have never done business with this company, I have never received any correspondence about this debt. Last reported date on my report for the debt of {$390.00} was XXXX XXXX and the Last reported date for the debt of {$290.00} was on XX/XX/2020. 

This accounts has impacted my score negatively and has thrown me into financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Tried and thought we were approved for the deferment online. The website stated we were approved. One week later they sold our loan and stated our next month payment was due to the new company. I received an email asking to pay the current months bill but the website said I was approved for the deferment and we had a new mortgage company so I ignored the email. I have never been late and when I saw that they reported it to the credit companies they stated in a chat that others thought they were in deferment too and they ended the chat. I called and they said they couldnt fix the reporting and basically sorry about your luck. This is complete nonsense in a time like this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I applied for a mortgage refinance on XX/XX/2020 through XXXX and was connected with loanDepot, a mortgage originator. My wife and I spoke with a loanDepot representative that day extensively were approved for a XXXX mortgage at a rate of 2.875 %. ( See attached " loan detail & fee worksheet '' ). Over the next few days, my wife and I assembled the necessary documents as requested by loanDepot and scheduled an appraisal for XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from the XXXX of the loan XXXX we worked with indicating that for unforeseen issues, they would be unable to fund our loan. I vehemently protested and highlighted that my rate was locked until XX/XX/XXXX per the various contracts we signed. The loanDepot representative did not consider my arguments nor honor the opportunity to extend the lock period as I believe most lock contracts make available. 

On XX/XX/XXXX, I received an email from loanDepot stating, " Our team has reviewed your loan application and are unable to offer you funding at this time. '' This message suggested my loan was not approved due to a problem in my credit/personal file which was inconsistent with the message I received from loanDepot up to that point. 

Since this time, other mortgage originators have consistently reached out to me to refinance highlighting attractive rates. However, tracking mortgage rates, it doesn't appear they would be competitive with the 2.875 % offered on XX/XX/XXXX by loanDepot. 

The calculated monthly savings on my mortgage was on the order of $ XXXX and total interest savings near {$100000.00} over 20 years. loanDepot 's actions and unwillingness to fulfill their contracted obligation has had a significant long-term impact on my family 's financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I was affected by a national disaster that resulted in me losing my apartment with XXXX XXXX. An XXXX came and cause damage. I had a deposit and insurance that was covered by XXXX XXXX 

I experience homelessness after this and was forced to relocate to another city. I've attempted to dispute and validate the debt, but I dont get a response. 

Per FCRA I have every right to this information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX filed a complaint with PNC Bank that unauthorized checks were cashed by a XXXX XXXX ON DATES XXXX XXXX. A POLICE REPORT WAS FILED IN BOTH XXXX WHERE I LIVE AND IN GEORGIA WHERE MY SON XXXX XXXX XXXX LIVES. THE bANK REFUSED TO REFUND MONIES STATING WE WERE A FEW DAYS LATE NOTIFYING THEM. PRIOR TO THIS, I HAD XXXX XXXX XXXX ON XX/XX/XXXX XXXX '. FOLLOWING THAT XXXX  MY HOME WAS HIT BY A TRUCK AND WAS DETERMINED TO BE UNLIVABLE. FOR A YEAR, I LOST EVERYTHING AND HAD TO MOVE INTO TEMPORARY HOUSING TILL XXXX OF THE FOLLOWING YEAR AND SOMEHOW I DIDNT CATCH IMMEDIATELY. I HAVE ALL DOCUMENTATION.EVERYTHING. THIS YEAR IT OCCURED TO ME THAT MAYBE I SHOULDNT HAVE TAKEN THEIR ANSWER AS FINAL BUT IN ALL HONESTY I WAS PRETTY BEATEN DOWN AT THE TIME, I THINK PROVEN FRAUD SHOULD BE UNACCEPTABLE ESPECIALLY WHEN THE POLICE SOLVED THE CASE. I WANT MY MONEY BACK. IT'S THERE FAULT. THEY DID NOT PROTECT MY FUNDS ENTRUSTED TO THEM. ITS LIKE BEING ROBBED TWICE. CAN FORWARD DOCUMENTATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: AZ

Complaint narrative:
Tried and thought we were approved for the deferment online. The website stated we were approved. One week later they sold our loan and stated our next month payment was due to the new company. I received an email asking to pay the current months bill but the website said I was approved for the deferment and we had a new mortgage company so I ignored the email. I have never been late and when I saw that they reported it to the credit companies they stated in a chat that others thought they were in deferment too and they ended the chat. I called and they said they couldnt fix the reporting and basically sorry about your luck. This is complete nonsense in a time like this!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX was at a car dealership to purchase a vehicle for my daughter and initiated a loan for the vehicle with intention to pay loan in full upon the first statement being received. The original loan amount was {$16000.00} which apparently accrued interest even though I did not receive my first statement on/about XX/XX/XXXX. I called the institution, M & T on XX/XX/XXXX and spoke to a XXXX and then a Supervisor XXXX advising I would like to pay the original loan amount off and if the accrued interest on the loan by waived. I explained I didn't have an account number or phone number to call as the car dealership did not provide my with any information about paying the loan off in full. The Supervisor asked when I would be making payment on the original loan amount and I told her that day ( XX/XX/XXXX or XX/XX/XXXX ). I made payment for loan on XX/XX/XXXX, making two payments which was received by M & T Bank on XX/XX/XXXX. I went to M & T website on XX/XX/XXXX to see if my balance was XXXX and saw there was still a balance of {$99.00}. I called M & T Bank on XX/XX/XXXX and spoke to a XXXX  who told me that a decision on my original request back on XX/XX/XXXX couldn't be made because payment had not been received. She put in another request with their back office and advised I should call back on Friday, XX/XX/XXXX. I then spoke to a Supervisor XXXX who wasn't very helpful. He advised that I signed a contract acknowledging interest would accrue on the account and it was my obligation. I advised I made payment immediately after speaking with Supervisor back on XX/XX/XXXX and don't understand why I have to make a 2nd request to have any accrued interest waived. Supervisor XXXX told me interest will continue to accrue until payment is made even when I call back on Friday XX/XX/XXXX to find out if my request is approved or not. Considering we have been in a pandemic ( COVID19 ) for the last 2 1/2 months and most banks have drive up service only it is very hard to try to go into a branch and  speak to someone. Had I not gone online to check my balance I wouldn't have known my original request to have the accrued interest waived was not approved or decision couldn't be made because they claim payment had not been received ( which it was, 4 days after speaking to Supervisor on XX/XX/XXXX or XX/XX/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 monetary relief
Consumer complaint received 2020-05-13 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: FC HoldCo LLC
State: NC

Complaint narrative:
I financed a vehicle with Flagship XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my 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 2020-05-13 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
AT THE LAST MONTH I AM CALLING DIALY IN AN ATTEMPT TO GET A HOLD OF A LIVE CUSTOMER SERVICE. BUT UNFORTUNATELY, ALL MY ATTEMPTS WERE UNSUCCESSFUL. I AM ALSO NOT ABLE TO CREATE AN ONLINE ACCOUNT WITH EXPERIAN IN ORDER TO DISPUTE A FEW CREDIT ERROR. 

THANK YOU XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Had a Wells Fargo Credit Card for several years always in good standing. 
My Credit Limit was XXXX and as stated an older account with XXXX balance. With no warning they closed my account. 
For several stupid reasons ... .everyone I talked too was different. 
This had an adverse affect on my credit score! 
I have found this to be common practice and needs to be addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called TransUnion in XXXX to freeze my credit report, the person on the phone took my credit card number and " helped me out '' putting a freeze my account and then manually purchased a subscription to your service. 

I have been charged every month! I don't need free credit score reports! 

I NEVER ASKED OR REQUESTED THIS SERVICE. 

I know that they need to meet a sales quota but this is shady! 

It has been really hard to get in touch with anyone from Customer Service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: LA

Complaint narrative:
Transunion is knowingly reporting a fraudulent items masquerading as accounts on my credit file. I have provided police reports identity theft affidavits. No real investigation was done. Cushman vs transunion. The credit reporting agencies can not merely parrot information they have to conduct a reasonable investigation to insure the honesty and integrity of that investigation. They would have found out this item was fraudulent and there are no contracts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: NC

Complaint narrative:
I financed a vehicle with XXXX XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my 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 2020-05-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I financed a vehicle with XXXX XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my complaint.

Company response to consumer: Closed with explanation