vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I use an app called XXXX  an now it says PNC has blocked communications with this app. I use this app as a last resource to get some extra cash an it helps out a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a Sam 's XXXX Synchrony Bank credit card on today Tuesday, XX/XX/2020. It was documented that I was not assigned the best interest rate that they offered because of my XXXX Credit Score as per XXXX. I have not had any success getting through with either Email ( XXXX ), or by toll free telephone XXXX. 

I can not make a human connection.

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 2020-06-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have tried calling Bank of America on XX/XX/20 and XX/XX/20. 
XX/XX/XXXX I was transferred and on hold approximately 2.5 hours ( with 3 people ). 
XX/XX/XXXX I was on hold and transferred again ( with 2 people ). 

No one at Bank of America can answer my question and resolve my issue. 

I initiated a claim on a Mastercard transaction on XX/XX/20. I did not have good communication with an out-of-state company in Arizona that was to refund my money for an apartment application fee. Due to the poor communication on their part, I was worried I would not receive the {$230.00} refund, so I opened the claim. 

After the claim was filed, they mailed a refund check to me for {$230.00} which Bank of America credited correctly when I deposited ( via the mobile app to my checking account ). 

I have been trying to do the right thing and contact Bank of America repeatedly to stop my claim. There is no longer a need for them to research my claim. IT HAS BEEN RESOLVED BETWEEN ME AND THE COMPANY. 
I now have {$230.00} in my checking AND a credit of {$230.00} on my credit card as of XX/XX/20. I should only have the {$230.00} in my checking account. 

I am trying to stop the claim and have the credit removed from my credit card. 
Why am I given the run around repeatedly? No one is solving this problem. 
Their inability to resolve this makes ME look bad, like I am trying to get a double refund. 

This is the worst customer service I have ever experienced in my life.

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 2020-06-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Re : XX/XX/XXXX charge of {$1600.00} with XXXX  XXXX on a new Apple Credit Card for 2 x hotel rooms. I have spent at least 5 hours of detailed chat, phone calls and follow up ( always from me - never from Goldman Sachs ) for the last 5 months chasing a resolution. I do not believe any effort was made to reasonably resolve the situation or even work on a make good nor do I above an evidence of this. As quickly as within an under an hour of the booking being made I attempted to cancel due to one of the parties family illness and being unable to travel from UK to USA for the hotel booking. Through the many follow ups from Apple and Goldman Sachs I was told the charge was in dispute then told it was moved to 'elevated dispute ' as many as 3 times on different occasions. This was always after long waits and by pro-actively supplying same details and with the intention of a resolution. I never have one communication from Apple or attempt to resolve or understand my issues properly. On XX/XX/XXXX I have begun to being charged interest. At no point have I been called or emailed or sent any updates on any of my dispute. I have gone out of my way to provide all information and feedback to assist Apple/GS in resolving. My experience has been that none of the information or customer notes has been coherantly stored about the dispute which has made the process extremely frustrating. My most recent GS/Apple chats via the apple wallet confirmed that the charge was sitting in 'elevated dispute ' then when I have followed up again today XX/XX/XXXX .. I am being informed that the dispute was made in favor of the merchant. However I have the chat dialogue from the app which notes the case is in " elevated dispute ''. So we are running around in circles and this is really causing me a lot of concern and stress. I have advised Apple/GS that I will not be paying the interest ( Or the base charge ) and that we seem to be at an impasse and I will be taking this to the CFBP. It has been my understanding via many years or credit card and banking that the credit card merchant should always be acting on behalf of the customer. This has not been the case at all with Apple Card/Goldman Sachs. I would hate for anyone to waste the hours and carry the burden and the stress of dealing with these people. I think people need to know this is not a company/product that is committed to the customer its just about money and not listening or valuing its customer base.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I received a letter from IC Systems which is listed as a Collection Agency. They stated in their letter to me that the original creditor and CURRENT creditor to whom this debt is owed is XXXX XXXX. That is misleading by making me believe that I can not dispute the debt under the FDCPA since it is the original creditor trying to collect the debt. Except for the fact that this letter and communication is from IC Systems and the company website plainly states that it is a collection agency. Even if said collection agency is a subsidiary of XXXX, their sole purpose is collecting debts and can not mislead the consumer to believe that they are something that they are truly not. This is a clear violation of the FDCPA in the wording of the collection notice.

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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
XXXX XXXX and Mariner finance are reporting on XXXX. These accounts are old and need to be removed. Last pay for XXXX XXXX was XX/XX/XXXX and XX/XX/XXXX for Mariner Finance. Time elapsed and should be removed from credit bureau.

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 2020-06-10 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:
XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , Chapter XXXX Bankruptcy Ref. XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see.

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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
I called in on XX/XX/XXXX requesting an investigation on a bankruptcy on my credit report. XXXX started the investigation and put a security freeze on my account. 30 days has past and the investigation hasn't been completed nor has a letter been mailed out telling me that they needed more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, US BKPT CT GA XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.

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 2020-06-10 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: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : 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 2020-06-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : 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 2020-06-10 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
In 2018 the entire loan amount I carried with Navient was paid in full and somehow the account is showing as closed. Paying the debt off was incredibly difficult as they did not offer many options for payment in full and methods of doing so. 
Secondly, I was serving in the XXXX XXXX XXXX during the times that Navient denied me any benefit to repayment options or anything of the like they claimed to offer service members. Instead they marked my account as being in forbearance which further delayed the proper repayment of my loan, furthermore tacking on unnecessary fees et al toward my principle balance due. My credit score continues to suffer even today given Navients blatant malpractice and predatory loan procedures. The loan has been paid in full for years now. It now shows on my report as closed and has continued to destroy my chances and hopes of providing a home for my young children given the constant negative remarks and false information added even to this day. 
I ask for justice not just for myself but for my children who deserve a home of their own. We have moved often in order to give them what they need and deserve and they deserve to have a home. A true home. My husband and I have worked very hard serving our country and the people of this country on the civilian side outside of our military duties for years. This is grossly unjust behavior and incredibly unfair. 
Navient, among other predatory loan establishments should be held accountable for the life long damage they create for the people of this great nation. The price I expected to pay for a higher education in this country has quadrupled in the negative effect and horrible toll it has taken on not only me but my family. 
Please do something about this. I plead for your assistance in changing this for not only myself and my family but for many many other families suffering at the hand of Navient and their predatory practices. They should not be allowed to continue preying on young Americans hoping for a better future. 
Thank you for your time and good day. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-10 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am currently on a 3 month forbearance plan with my lender. Despite this they have reported me negatively to the credit bureaus resulting in a 60 point drop in my score. I am not late, my mortgage has not changed at all and yet they are submitting false information and hurting us yet again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Flagstar Bank , FSB through its agents, XXXX XXXX, Senior Loan Officer, e-mail : XXXX, and XXXX XXXX, Senior Loan Processor, e-mail : XXXX, is a predatory mortgage lender and prey on the naive and uninformed. Mr. XXXX and Ms. XXXX are taking advantage of people. The lender is using high-pressure tactics and urging me to sign on a refinance loan by the changing the terms and consumer disclosures at the last minutes. 


XXXX XXXX and XXXX XXXX tried to hoodwink me. On XX/XX/2020 I agreed to closing costs with no prepaid property taxes. The taxes have been paid in full. But on XX/XX/2020 Flagstar sent me a new consumer disclosure ( CD ) with new prepaid costs, which included property taxes, thereby ballooning the refinance loan amount by thousands of dollars, which would have compounded the interest over 15 years to my detriment. 

Please help me put these crooks out of business and report them as predatory lenders to the Federal Trade Commission.

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 2020-06-10 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: AZ

Complaint narrative:
XXXX  is willfully reporting to the credit bureaus 30 day late for XX/XX/2019 and XX/XX/2019. XXXX  is in breach of an extension contract signed in XX/XX/2019 and damaged my credit rating unfairly. 

On XX/XX/XXXX of 2019 I entered into contractual agreement with XXXX to extend all past due payments for 2 months from the date of XX/XX/2019 forward. 

The XXXX manager I spoke with named XXXX confirmed that this contract would bring my account current. All delinquencies within the specified date of signing the agreement would be updated to current at the credit bureaus. 

For 6 months XXXX has reported inaccurate information with total disregard for the contract it signed. Please be advised the CFPB record will show this issue was recently brought to the attention of XXXX. 

Ally representative XXXX displayed gross and voluntary disregard for the CURRENT issue by simply uploading documentation from a previous incident to characterize the matter as an older resolved 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 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: FL

Complaint narrative:
XXXX-XXXX/ follow up On XX/XX/XXXX I received in the mail the original Security contract however this is not validty of the debt this was from XXXX XXXX XXXX whic states effective XX/XX/12. This does not indicate that I owe XXXX or XXXX XXXX XXXX a dime. This alarm system was for one year and I canceled when my house was broken into with this company was monitoring. I have wrote numerous letters and contacted both XXXX   and XXXX to get this matter resolved after all these years being removed from the credit bureau report this company with all types of violations decides to place a debit on my report that I don't owe. I have been very unsuccesful with getting any results with either XXXX, XXXX and XXXX XXXX XXXX. None of these companies have or can provide me with documentation that I owe. I have contact XXXX XXXX as well for assitance and I have spent so much money sending documentation back and fourth with no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 ordered a copy of my credit report. I noticed some fraudulent accounts that were not opened by me. Please investigate these fraudulent accounts and remove them from my credit report. Please send an updated copy of my updated credit report.

Company response to consumer: Closed with explanation