vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX  XXXX {$120.00}

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 2020-07-17 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: CA

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX  XXXX {$120.00}

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 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems has been attempting to collect on debt that was settled with original creditor/prior collection agency. They have tried to collect on a telecommunication account ( XXXX ) via threatening means ( garnishment/legal filing etc ) and refuse to remove this from my credit report. They are fraudulently representing/attempting to collect on a paid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: PA

Complaint narrative:
IC Systems has been attempting to collect on a debt that were settled with original creditor ( XXXX ). They have tried to collect on this settled/closed account and refuse to remove this settled/paid accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: PA

Complaint narrative:
I got my ID to verify with XXXX and when trying to connect with my bank to transfer money I got a pop up for PNC Bank that they made a change that prevents me from linking my accounts to put money in my virtual debit card in XXXX. They told me I could file a complaint here

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is/will be very brief, because I have no more time to waste on people that dont respect me. See the attached screenshot. In addition to the screenshots that were sent to your executive office vis -- vis email the other day, please see the following attachments. I have a screencap of Chases system once again randomly messing with my available credit. Please see how my current balance is {$1000.00}, pending charges total {$1800.00}, and the amount of available credit ( from a supposed limit of {$3700.00} ) is only {$800.00}. I have purchases from sellers on XXXX who are expecting immediate payment. I have been unable to pay them because your card doesnt work ( and neither does XXXX, but thats another issue ). The point is that I should be able to use my credit when I need, and I havent been able to do so through no fault of my own ever since I got this card. And it is adversely affecting my ability to live, eat, do business, etc, continuing into the present day. I was on the verge of suicide last week and had the police come do a welfare check because I am so depressed and beaten down by you people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: GA

Complaint narrative:
PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE $ 59K+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH TOTAL AND XXXX  XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding has been attempting to collect a debt that was settled in 2018. They have tried to collect on this account through the use of incessant calls, threats of a judgement etc., and refuse to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: GA

Complaint narrative:
PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE $ 59K+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM XXXX TO XXXX. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH TOTAL AND XXXX  XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.

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 2020-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I opened account in Mid XXXX or XXXX I had a charge for a subscription I call PayPal we canceled it together they refunded my account then the following month they put it back on there and then I called and tried to have it removed they did not want to remove it so I let that account cancel so in XX/XX/XXXX I opened a new account and then I ordered a subscription of ugly food and canceled it was hit the next month so that was twice that I've had two accounts going to a negative balance when that is not allowed to happen supposably so I am willing to pay for the two things but I don't see that it's fair being I can not overdraft my account but payal can put me in the negative balance and so I'm really wanting PayPal to release my funds I don't care about ever using PayPal again I just want my tax return for XXXX back I am currently unemployed and it would really help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 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: TX

Complaint narrative:
I attempted to obtain all 3 credit reports on XXXX XXXX XXXX and was advised that I could not get it and I also tried to get all 3 Credit reports through Experian and after signing up was advised that they could not get 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 non-monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I've received three letters informing me I've missed payments for specific dates. I'm constantly receiving notices of missed payments for different dates that I have already paid. This is a form of fraud and discrimination of a senior. This is the third time I have received the letter. I have attached the last letter sent to me as well as the bank statements of payments for those listed dates. 

The letter states that I've missed XX/XX/XXXX. On the first bank statement, I paid an amount of {$640.00} on XX/XX/XXXX. The letter also states I missed the XX/XX/XXXX payment. On the second bank statement attached, an electronic debit of {$640.00} was withdrawn on XX/XX/XXXX. The letter states, " Your XX/XX/XXXX payment of {$640.00} was applied to your XX/XX/XXXX payment. '' Why is there an applied payment from XX/XX/XXXX for XX/XX/XXXX when I've already paid on XX/XX/XXXX prior? Refer to XX/XX/XXXX bank statement below. The letter states, " We have no record of receiving a payment from you in XX/XX/XXXX. Refer to the third bank statement below of XX/XX/XXXX. An electronic debit of {$640.00} was taken on XX/XX/XXXX. 

The only correct date on the form I've missed is XX/XX/XXXX. I paid TWICE in XXXX to resolve that issue. The first payment should have been applied to XX/XX/XXXX and the second payment should have been for XX/XX/XXXX originally. But it was not applied. Instead, the letter shows the XX/XX/XXXX payment was issued for XX/XX/XXXX. It should have gone towards XX/XX/XXXX due to XX/XX/XXXX already paid as proven in the bank statement. And XX/XX/XXXX should have been applied for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NewFed Mortgage Corp
State: MA

Complaint narrative:
I contacted via email to NewFed Mortgage company for refinancing my home loan on XX/XX/2020 providing my name, address, estimated house market value, my current outstanding loan amount, and my credit score. They got back to me on XX/XX/2020, stating the interest rate is 3.125 paying {$1500.00} or 3.25 paying XXXX for closing costs. I declined the offer saying my current interest rate is 3.5 % and did not start the application process as I am looking for a much lower interest rate. 

NewFed came back stating if I can share my current mortgage statement, they might be able to check if they can give a better rate. I shared the document, and they came back with 2.75 % for {$1500.00} closing cost for 27 years. I agreed and filled the application. 

On XX/XX/2020, after running the credit score, they come back and give me a rate of 3.125 % with a $ XXXX closing cost. When asked, they told me, sorry,2.75 % was mistakenly quoted to me, so I requested them to remove the credit check from my file as this not what agreed and that I don't want this interest rate from first. Then NewFed rep says he will contact his operations manager to get his removed after talking to the credit bureau agency. He also apologized for the mistake. 

On XX/XX/2020, they come back stating we can not do anything, and my score will be down only 1-3 points, and I got 14 days to shop around, and after 14 days, if I get the lower rate i am looking, it will be considered another check. I told NewFed that I did not agree in the first place for 3.125 %, but NewFed convinced me that it is 2.75 %, and then I filled the application. After applying, they come back with an offer of 3.125 % with a $ XXXX closing cost, and I should consider it. When pushed them to for the rate they agreed, NewFed came and gave me an interest rate of 2.875 % with XXXX closing costs for a 27-year term. So I asked them what the breakup cost and they provided me the details on an email. I agreed to go ahead. 

Today ( XX/XX/2020 ) - I am told the rates are up, and they will give me 3 % the excuse they give me is I did not lock the rate. If I want 2.875 %, I will have to buy the points or wait for the market to come down next week. 

They wasted 3 days, and all they say is sorry it was an honest mistake. Well, their honest mistake is putting my credibility in check. The credit check done by NewFed will stay on my file for the next 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/20 a principal reducton payment was made. On XX/XX/20 I noted that the lender, PNC Bank, applied principal paydown on loan to future payments due. A call was made on XX/XX/20 asking them to correct and they did with an effective date of XX/XX/20, which was 19 days after the payment was received. With this interest charges accrued on the funds for 19 days. PNC bank refused to accurately apply the principal reduction, stating that " once applied, we can not date it backward. The interest accrued is small, the practice is not ethical and seemingly PNC is breaking the law. If they do this to thousands of customers, the interest adds up to a significant amount. As a side note, they also record calls without advising the customer in advance, a violation of California Penal Code 632.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I have an account with a service provider called Nelnet. My loan # is XXXX. 

I had applied for, but apparently was not granted a deferral for my student loan. I had been continually paying for years on this loan. Being a XXXX, and believing that negative interest accrual was not allowed, essentially applying 100 % of payments to interest only, I contacted Nelnet because when I was told that my loan was past due, i immediately paid the entire payment. I was shocked to see that my entire payment of {$800.00} was applied not anything to principal, but 100 % to allegedly accrued interest. 

I contacted the company, saying I am looking at my payment history, and my interest monthly was {$36.00}, how are you applying nothing to the principal. They told me this is correct, that all your payments go to interest before we ever apply a payment to principal. i said that's not what your web site shows. I don't believe that was the terms of the loan, and i believe you're applying the payment incorrectly. i was told, No, it's right. 

I don't believe this is correct, and I'd like my entire loan that i've been paying for close to 20 years is incorrect.. 



Payment Date Payment Amount Applied to Principal Applied to Interest Applied to Fees* Payment Type arrow right XX/XX/XXXX {$800.00} {$0.00} {$800.00} {$0.00} Electronic arrow right XX/XX/XXXX {$300.00} {$260.00} {$36.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$39.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$39.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$260.00} {$38.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$40.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$40.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$41.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$42.00} {$0.00} Auto Debit arrow right XX/XX/XXXX {$300.00} {$250.00} {$41.00} {$0.00} Auto Debit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Requested payoff 3 times. We are not able to close and cost money for relook. They will not give payoff to me or bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where ( principal, interest, Escrow ) check XXXX was applied, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
This company without warning will cut your credit limit, even if you have never missed a payment. I had to have it raised again last year, and they just did it again. Everytime they do this is hurts my credit. The customer service agents are rude. The make it very difficult to make a payment on the card. This company is horrible.

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 2020-07-17 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/2016 I discharged my debt through the Bankruptcy courts by filing chapter XXXX, my Wells Fargo card was included and till this day, on my XXXX report, they have been reporting me late and past due! This is inaccurate and needs to be corrected, this debt was charged off and cant be reported that I am late on that account when its been discharged. Please fix 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 2020-07-17 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: GA

Complaint narrative:
I have never been late of this card. I called the operators are located in XXXX and nobody speaks 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 2020-07-17 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: GA

Complaint narrative:
I have never been late of this card. I called the operators are located in XXXX and nobody speaks Eglish.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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:
I have never been late of this card. I called the operators are located in XXXX and nobody speaks Eglish.

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