vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I am a small business owner. Due to Covid Ive had to shut down my business. My employees have gotten sick so has my husband and I. I recently applied for hardship with my mortgage company CrossCountry Mortgage in XXXX since then I have gotten the run around. I have sent over 200 pages of everything they have requested and they keep telling me the have not received half of it. I have emailed them XXXX  times with the information and have uploaded it to a portal account I had to create with them. They keep telling me they have not received it. I have been trying to get a hold of the person in charge of my account XXXX XXXX and left numerous messages for her with other agents because all the agents can do is email her and supervisors for a request to call me back and I havent heard from her or any supervisor since XXXX Ive called and requested for them to call me back and I still havent heard from them. They are now requesting some new information that I can not provide because I dont own any rental properties in XXXX XXXX XXXX I only help my father in law mange his house that he put up on XXXX. Im trying to get someone in there who I can explain this to and I get no help. Im falling behind on my mortgage payments. This is my primary residence and all I ask from them is to give me a forbearance and they do not want to help me or even give me a call back. Please help because I do not want to lose my home or mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TX

Complaint narrative:
My Equifax credit report shows to hard inquiries from XXXX XXXX, dated XX/XX/2020 and XX/XX/2020. I do not know this company and have never dealt with it or authorized it to get credit information about me, but Equifax gave out my credit info and marked my credit report with XXXX hard inquiries, which has hurt my credit score unfairly and illegally. I have tried to dispute this via Equifax ' own website and toll-free phone number, but have gotten no one there to even recognize my complaint, much less to fix my credit report. They tell me I should contact the company -- well, that's an offensive joke, since this was a fraudulent request from a company that I don't know how to reach and that won't do anything even if I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
This is in regards to comenity bank card for lane bryant. The account paid in full XXXX/XXXX/21, a late fee was removed so balance went from XXXX tXXXX  XXXX which was paid, currently reporting late when i was ensured it wouldn't be and i shouldve waited for it in writing but was told since they confirmed it hadn't yet reported that I would be fine.I didn't argue about the fees late fees or ask more questions because I just wanted a quick resolution to the account. 
This account I thought was on auto pay and I didnnt realize there was a {$6.00} payment and late fees on top of late fees because of fees that were not fully assessed and were pending at time I made last payment. I spoke with several people when I was called regarding the delq balance and they waived a late fee, I paid the remaining balance in full and was told that it was being brought up to date before it was reportd so everything was fine. I recently got notice my score dropped significantly due to this being reported as having a balance of {$100.00} as of XXXX/XXXX/21 which is incorrect. I called Comenity to dispute it and was told that once this reports again it should correct itself and report correctly but Im currently trying to get approved for a mortgage for a larger home as Im expecting twins and need a larger home. I asked the manager I spoke to if they could look into the payments and the previous discussions I had regarding this account and was dismiss and told to wait for next reporting or contact the reporting agencies. XXXX XXXX and XXXX are showing delinquent with a balance of {$100.00} which is incorrect, XXXX is still showing no payments made late but an incorrect balance. Im requesting that someone please accurately report that this account is up to date with a XXXX balance and remove the XXXX XXXXay mark as I was assured that it would not appear if I was able to pay the entire balance on XXXX/XXXX/21 over the phone. The same day a fee was removed due to the discrepancy of being charged fees on top of fees AND my credit limit was increased. 
I dont think its fair or accurate to report that I was {$35.00} late when they removed {$35.00} from my account and instructed me that paying the remaining balance which were late fees that had not been posted to my account when I called to inquire would result in my continued stellar reporting of never being delinquent. I feel like I was mislead, given false information regarding reporting and the account is not accurate on any of the XXXX. 
I hope this can be resolved quickly. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/21 I rented a scoter from XXXX XXXX XXXX in XXXX XXXX FL for {$110.00}. I returned the scoter the same day. The next day I saw a withdrawal on my debit card for {$2300.00} to XXXX XXXX scoter. I went back and questioned the charge the next day and the owner at XXXX XXXX threatened me so I left for my safety. I called PNC right away and they said not to worry it's obviously a scam and they would take care of it and credit my account for the {$2300.00} right away. PNC never credited my account and mainly just ignored my inquiries over the next month about when it was going to credit the {$2300.00} as promised. The only thing I ever got was a copy of a letter that they say they send me in XXXX that said " based on their investigation the charge was valid. After receiving a copy of that letter I finally spoke to someone at the branch who told me they would send me information about their investigation. Of course I never received anything. When I asked the person at the branch why they said not to worry we will refund the money to your account right away he said he made a mistake. {$2300.00} is allot of money and this is obviously a scam. The biggest disappointment is all along I have felt that PNC is just protecting their merchant and allowing this person to steal my money off my debit card. I don't see how PNC could allow a company to take {$2300.00} out of my account without my permission. PNC sXXXX XXXX  me and my money not the merchant. Please help me recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: TX

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I had spoken with this company due to an issue that they still have an issue with communication. XXXX of their managers was having the stop to report to credit done this man 's name was XXXX he stated that he had them stop from reporting and that he would have this done for XXXX days. Literally days later as we are trying to refinance this away from this place late hits keeping us from being able to get this lower rate locked in. I reached out to the company and no response and have used the CFPB XXXX other times with this same complaint. 

I then reached out to them again and they acknowledge that they said it would be XXXX days and that all that I can do is dispute the claim taking that much longer, that information was given by XXXX when I declined to dispute their issue that they should be correcting. i also sent an email to XXXX XXXX XXXX who is the XXXX of this company along with XXXX and received no response from either. I have sent XXXX Emails to both of them and have never received a response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 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 involved in the process. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of XXXX XXXX. The Equifax XXXX has failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the Bureaus, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS CHARGE OFF ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: MUTUAL OF OMAHA MORTGAGE, LLC
State: NC

Complaint narrative:
While reviewing my XXXX credit report, I noticed that Mutual of Omaha Mortgage made an inquiry on XX/XX/2021 without my explicit or written consent. They bought my lead from XXXX XXXX, an online site, and ran my credit without my explicit permission or me starting a mortgage application. At no point have they reached out to me and formally asked me to start an application process. So I am not sure, why they should run my credit without my explicit consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I, XXXX XXXX XXXX, the natural living and breathing person, sent out the required documents containing an ftc report which they received XX/XX/2021 and dispute for the identity theft shown in my Experian account. I have a green receipt from XXXX which shows that this company in fact received the documents and theyre using deceptive tactics stating they have not received my documents to keep the identity theft remaining on the account which violates XXXX usc 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 2021-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I returned the product the loan was for, a mattress. XXXX was supposed to communicate that to Affirm, the lender. XXXX has not done so despite a number of calls, emails, and social media messages. I returned the product a month ago but am still getting charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letter last XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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. KINDLY REMOVE these accounts that are still reporting on my account : XXXX XXXX XXXX XXXX*****Opened Date : XXXX XXXX, XXXX Balance {$1000.00} XXXX XXXX*****Opened Date : XXXX XXXX, XXXX Balance {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
An American Express impersonator ( with AMERICANEXPRESS callerID ) called our office asking for the owner and said that we were 48 days delinquent on a debt of {$17000.00} on our company Amex Hilton cards. We opened the account less than 30 days ago and have spent a total of {$500.00} thus far. It is clearly a scam that was forceful with one of my employees. 

Call came in at XX/XX/23 XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them letters last XX/XX/XXXX and XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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. KINDLY REMOVE these accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Opened Date : XXXX XXXX, XXXX Balance {$1000.00} ACCEPTANCE NOW XXXX Date : XXXX XXXX, XXXX Balance {$1800.00}

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I filed a report with the FTC XX/XX/2021 ( FTC Report Number : XXXX ) listing all accounts, inquiries and addresses that do not belong to me sent via XXXX XXXX mail with Experian ( tracking # XXXX ), XXXX ( tracking # XXXX ), and XXXX ( tracking # XXXX ) on XX/XX/2021. It has been more than 30 days and they have completely ignored my letters.

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 2021-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Earm LLC
State: MO

Complaint narrative:
XXXX XXXX with MAC. 

Told me I had a returned check from XXXX and if I didnt take care of it they would turn it over to the prosecuting attorney for felony charges. Said I had been evading them and the prosecutor was tired of it. Contacted my local prosecuting attorney and found out it was all false. Also I never had a checking account until XXXX. There is XXXX chance they have an actual debt. Contacted a lawyer to start filing a lawsuit against them.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX in the amount of {$1700.00}. At the time, XXXX was advertising 0 % financing for their XXXX products when you applied for their Apple Card. However, they did not and I was forced to pay the for the XXXX and applicable interest ( 21.99 % ). On XX/XX/XXXX I received an e-mail from XXXX regarding their financing informing me that if I had purchased an XXXX product expecting to receive a monthly installment that I should contact XXXX before XX/XX/XXXX in order to convert the purchase into an installment plan by contacting an XXXX Support specialist. 

Today, XX/XX/XXXX, I contacted XXXX Support requesting that the purchase be converted to an installment plan, but the support specialist, XXXX informed me that since it had been over a year from my purchase, the device would not be eligible to be converted to a payment plan. The e-mail that I received does not specify that purchases had to be made within a certain period of time which I believe should be stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery A is harassing me, violating my consumer protection rights and claiming that i owe an alleged debt. They are ruing my character and reputation via mail, phone calls and emails displaying their letter head and company name while claiming i owe an alleged obligation, these are multiple violations of my consumer rights pursuing to FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Rocket Mortgage, LLC
State: NC

Complaint narrative:
While reviewing my XXXX credit report, I noticed that Quicken Loans made a credit inquiry on XX/XX/2021 without my explicit or written consent. I was researching the mortgage rate during that time and fill up their online form to get an idea of the generic ballpark rate. Their online form didn't clearly disclosed that they will run my credit if I fill-up the form, nor have I given any explicit permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: PNC Bank N.A.
State: NJ

Complaint narrative:
I dont agree with pnc bank XXXX I feel their lending guidelines are not compliant lending guidelines. Pnc approved me in XXXX then again in XXXX for secured loans, I have a banking relationship with them as well for years. Now I am trying to obtain a unsecured loan and being told that an account ( XXXX XXXX  ) that was in my bankruptcy from XXXX is a reason for decline plus a XXXX XXXX  account also known as XXXX which was my ex husbands. BOTH of them were on the ORIGINAL reports when I was approved -so why- why am I declined?!? Pnc does not use common sense nor good business sense to lend to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CA

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