vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Hello, I have reached out to transworld systems regarding this debt and my request for validation they removed the debt from my report and than placed it back on there with no valdiation of the debt. I need someone to send me validation of this debt within the FCRA timeframe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: NJ

Complaint narrative:
I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from Bureau firm stating the ID I submitted was insufficient to verify my address and identity.

I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience. Second time I sent disputing letter to Bureau and received no response.

They have sent me a letter that indicates WRONG DATE on this account, not the same as what it shows on my report. Besides that I strongly believe this account is Mistaken Identity. 

XXXX XXXX XXXX Account Number : XXXX Please remove this account 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 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I work for a XXXX XXXX  in Massachusetts. During this so called pandemic our politicians have shut down the country. As a result my institution had a mandatory furlough that all employees had to do. At this time I had to collect unemployment for the time I was not working due to the pandemic. At the time that I had to furlough I applied for unemployment but did not receive any funds. As a result I fell behind on one of my credit card by 2 payments for Bank of America. My balance on the card was XXXX and on the third payment I put XXXX on the card, which is almost 50 % of the balance. I was told that my account was closed. As a result this was reported to the credit bureau which in turn affected the balances of my other cards such as my home depot card credit limit and thus my credit score. I asked if I could be given some consideration due to the fact that this was caused by the pandemic and the inability to work. I was told there was no accommodation for that. I still have not received my unemployment benefits for the time I was furloughed in XXXX for the furlough I did by the Massachusetts Unemployment Department. I have called over 30 times, along with my Governor, Senator and Congressman and nothing has been done. How do politicians close the country down and refuse to pay benefits then feel it's fair to destroy everyone 's credit in the process? This is absolutely disgusting that the taxpayers are periodically asked to bail the banks out but the banks have no consideration for the tax payers, this just reveals the level of corruption taking place.

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 2021-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I totaled my car last XXXX. Ally told me that I would be covered by gap insurance. My insurance company paid the bill and I should have been good. Fast forward 3 months my credit score decreased from XXXX, due to Ally Auto continuously destroying my credit by 36 pts at a time. Ive been trying to fix this issue since XXXX, I can login, no one at Ally can/will help me. According to them i do not exist in their systems and each time I call Im either transferred to different departments for HOURS ( I have several witness to this ), or hung up, or told they can not transfer me until I give them all this valuable information. I am refused a manager each time. Only once I was able to get ahold of a supervisor after going through Ally Bank ( different building ), the man refused to be referred to by anything other than M3. He claimed an investigation would be completed to have this checked out and I would need to wait 60 days for an answer. I never received an answer, an email, a call nothing. And each time I attempted to call I was told that person did not exist. I just want to pay my bill. The only reason I know it exists is via credit karma. I am not able to dispute any of these scores ( Ive tried ). Recently several days ago, Ally demanded my number over messenger and then sent me an email off a personal address trying to give me money. They refuses to allow this to go farther. Yesterday I filed a complaint to the XXXX  and today I received a call- but an incomplete number was left ( last 4 digits are static ). I do plan to take this to court if this continues.

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 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: NY

Complaint narrative:
15 USC 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer I DO NO VALIDATE THIS DEBT I HAVE NO CONTRACT WITH THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I tried to purchase, at the contract 's residual payoff figure, and/or transfer my rights to purchase my leased vehicle at the end of the lease and Infiniti Financial said I could not do that " they are an indirect lender and that I needed to go to an Infiniti dealer and work with their dealer to purchase my vehicle ''. They claim they had a policy change on XX/XX/XXXX and that I needed to go a Nissan or Infiniti dealer to purchase my vehicle at lease end. It is absurd to think I can not just send them a check and buy the vehicle, they said they would send the check back to me if I sent them a payoff check. The reality of the situation is the residual payoff is below the trade in value and they are stealing my vehicle and the residual equity in it ... ..and I am certain they are stealing equity from many others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I paid if my vehicle loan form Santander auto loan a year ago, at XX/XX/2020, the paid off report was never sent to credit report services. I contacted the Santander bank a hundred times, getting only promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a home video system installed by XXXX in XX/XX/XXXX. They bill through Best Buy. I paid it off in XX/XX/XXXX. For some unknown reason, XXXX started billing me {$19.00} through Best Buy card in XX/XX/XXXX. I was moving and had no idea why I was being billed but paid the XXXX bill, which included a late fee just to make it go away. They charged again in XXXX. I called XXXX. Spoke to XXXX in XXXX XXXX store in XXXX on XX/XX/XXXX at XXXX. XXXX agreed the billing was in error and promised to stop the billing, eliminate current bill and refund paid amounts. He did stop future billing but did not eliminate current bill. As such, I got late notices in XXXX and XXXX. I called and disputed the claim through Best Buy card ( citibank ). I started getting collection calls. I called Best Buy card again on XX/XX/XXXX and spoke to XXXX at XXXX. XXXX said it was all fixed. I received a letter from Best Buy on XX/XX/XXXX stating my dispute was not granted as they had insufficient information. Best Buy dropped my credit limit. I got collection calls on XX/XX/XXXX. I owe no one in the world other than my mortgage and a leased call. My credit is perfect. I would gladly pay {$80.00} if I owed it. Despite multiple calls and a promise each time this is fixed, the problem persists. They simply are not responsive.

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 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We have a credit card account with Chase bank with account number ending in XXXX. We lost our income due to the Covid-19 lockdown in XXXX of XXXX and because of this started to have trouble making our credit card payments. Chase Bank allowed us to defer several payments but after their short deferral period ended, they expected full payment of principle plus interest each month even though our income still had not resumed. We attempted to settle our debt several times over the phone with Chase Bank but found that the bank representatives were unwilling to consider any option besides full payment of the debt plus interest. 

On XX/XX/XXXX, we sent a letter to XXXX XXXX XXXX, CEO of Consumer Banking, making a bonafide offer to settle our credit card debt. The letter was sent via USPS certified mail and was received by Chase Bank on XX/XX/XXXX according to USPS tracking. However, Chase Bank ignored our letter and instead of using the letter as a start to negotiating payment of the debt, Chase Bank instead chose to start harrassing us with many automated phone calls starting on XX/XX/XXXX all the way to the present day - making upwards of 10 calls per day from different telephone numbers ( I have retained a detailed call log to document all of the phone calls from Chase Bank with dates, times, and call durations ). The purpose of the calls was not to engage in a discussion but rather to harrass, threaten, and intimidate us into making monthly payments which we could not afford due to us losing our entire income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XX/XX/XXXX I received a PNC Bank loan for {$110000.00} In XXXX I did use the COVID payment deferment program, which I did only for four months. 

XX/XX/XXXX I called PNC for a payoff because I was selling my house to my daughter. PNC said they would not give payoff over phone but to look at my PNC mobile app and that would show the principal balance which is the same of what payoff would be which was a little over {$110000.00} XX/XX/XXXX XXXX XXXX XXXX who was handling my closing, said they called PNC and was told payoff was {$110000.00}. 

XX/XX/XXXX XXXX XXXX and several bank friends agreed it seemed impossible to owe almost {$2000.00} more than the original loan amount after making over 30 payments of {$980.00} to {$1100.00} each month. 

XX/XX/XXXX I called PNC Bank again and spoke with a payoff person. She gave multiple reasons of why this happened but even hinted it does seem odd to payoff more than loaned, after making payments for three years. 

Overall I just find it hard to believe I paid over {$30000.00} in interest ( 4.8 rate ) for 35 months. 

Can you offer any suggestions or help? 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Loan Care was horrible to work with. 
Loan Care hired XXXX XXXX XXXX to foreclose on my home at XXXX XXXX XXXX, XXXX, AZ XXXX. 
I had to contact the investor to save my home. 
Loan Care took 3 trial payments before paying off my loan but yet I didn't get a refund or do I know if it was applied toward the principal. 
The loan closed and paid off XX/XX/2021 but yet the loan did not get released until XX/XX/2021. 

Loan Care violated my rights ; I want a refund

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 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Suntrust calls me every day 6 times a day sometimes every hour

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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2021, I submitted letter to the three reporting agencies ( XXXX, Transunion, and XXXX  in regards to some inaccurate information that was reporting on my credit report. This is very concerning that I have not heard any results of their investigation regarding the erroneous information showing on 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 2021-06-18 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: MD

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2021, I submitted letter to the three reporting agencies ( Equifax, XXXX, and XXXX  in regards to some inaccurate information that was reporting on my credit report. This is very concerning that I have not heard any results of their investigation regarding the erroneous information showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
As explained in numerous prior CFPB complaints, remediation payment in the amount of {$3700.00} plus estimated taxes was not received, this amount was offered to me by Wells Fargo rep, XXXX XXXX in XXXX of XXXX while speaking over the phone. Additionally, a remediation payment amount of {$500.00} plus estimated IRS taxes was not received, offered to me during a phone mediation in XXXX or XXXX of XXXX. I moved in XXXX of XXXX, as explained previously and again here, any payment sent via XXXX, XXXX, would not be received if sent by either carrier, which includes old address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps including a XXXX have replied in the past by verifying address, mention a signature waiver which there is none, package was supposed to have signature according to a XXXX XXXX whom I was working with at the time of check issue. Please note, the check amount of {$3700.00} is a check re-issue, initial payment sent in XXXX was intercepted by a third party, cashed in my name. It appears person ( s ) now living at old address may have intercepted checks, if sent to old address, cashed them in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Most recently, I've been calling Wells Fargo executive phone bank, given various different numbers to remediation department, all of them incorrect, wrong numbers. In order to obtain correct number, I had to call the company whom issues checks on behalf of Wells Fargo, request number to remediation department and have been calling over a week now with no resolution. I've spoken with several managers including a XXXX and XXXX, both requested check reissue and a new case manager assigned which was originally requested in XXXX. I have yet to hear back in regard to both requests. The last Wells Fargo rep replying to CFPB, a XXXX, referred back to previous replies which merely refer to address provided and do not address issue of non-receipt of payments. It appears Wells Fargo reps refuse to do anything, despite non-receipt, merely verify address they were provided..The CFPB might want to send this complaint to someone else other than XXXX or XXXX XXXX neither rep seems willing to address/resolve issue.

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 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I went to deposit money that I had withdrawn from my account approximately 8 days earlier.I added an additional XXXX 5hat Was in my purse. I did not put it in envelope.I never even took the money out of the envelope that the bank gave me. I went to deposit {$8200.00} into the ATM. I did not see the sign that said XXXX bills at a time so I deposited the whole I'm a stack of money. It returned it all back to me Is minus {$2000.00} which is XXXX XXXX bills. I immediately called the bank and told them I did Not want to leave the ATM in case it gave my money to someone else. He instructed me that that I need ed to file a dispute with bank. I did so. I was called by XXXX XXXX the district manager and he told me I was not upset enough on video and that I could file all the disputes I wanted and he was going to keep rejecting them. This was my life 's savings. All I want is my money the atm stole. I also reported to the XXXX  and again they referred me to the same DM. This is absolutely covered in the banks statement that they garuntee to cover issues with checking, debit cards and etc. This is not right, its unfair and I am out of resources to fight a XXXX dollar company. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Asset Management, LLC
State: MN

Complaint narrative:
This is a third party account under a 3rd party collections Pinnacle Recovery Inc. I don't know anything about having agreed on setting up an account with Pinnacle. These appeared on my credit and I believed are incorrect. I have never given permission to use my personal information to open this account. My personal information was used to place this on my credit report, and have put inaccurate numbers and information. I had no knowledge of this and never gave my consent for them to use my personal information. This account is fraudulent. My information was given to a 3rd party collections which I am not aware of and never authorized.

Company response to consumer: Untimely response