vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
On XX/XX/XXXX my hardship due to covid 19 has affected my work life. 

To avoid missed payments a claim was filled with my mortgage servicer of my loan, The Money Source Inc. for forebearance as allowed per the CARES Act. 

A return email letter states I have to provide finance information, which is NOT required and a violation according to the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Trying to connect to other financial apps but get denied access although I authorize them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying for a year to get my credit report from transunion.they keep saying their information doesn't match mine but wont tell me what so we can fix the problem.online or by phone we cant get past address.but yet they send me notices to MY address saying I have to send proof of address to them.I did this back in XXXX of 2019 but they still claim address doesn't match.cant get anyone to explain whats going on.funny to me XXXX  and XXXX  no problem getting credit reports just transunion.can someone please help me get this resolved.i am trying desparately to get my credit repaired.i am not sending my personal information to them again without knowing they are getting it.any help is greatly appreciated.thank you 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 2020-06-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is in Violation of the Fair Credit Reporting Act. I demand the XXXX XXXX XXXX account report paid in full with XXXX balance The Final and last notice, I will send to Equifax regarding this matter XXXX University has provided email, and a letterhead letter debt paid in full with a XXXX balance. 

Please see XXXX XXXX XXXX responding to Consumer Financial Bureau they will report account paid in full with XXXX balance I have reported this account numerous account must report paid in full XXXX balance reporting. The notification was sent to all three bureaus. Please see the attached receipt, email, letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: N26 Inc.
State: IL

Complaint narrative:
Bank N26 did not give back the money disputed. I have waited and not even provisional credits were given. Please take the money back from the merchant and put back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I paid the TJX Credit Card in full. Synchrony Bank closed my account even though the balance was paid in full and refused to let me make additional purchases after I paid. This let me in a bad position can could of used the money for other obligations.

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 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This has been disputed and still remains in my record.

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 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have disputed this with the company but have had issues trying to remove from my record and establishing an account with credit limit according to my credit score of XXXX before fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
Had a government direct deposit of $ 7,000+ from unemployment ( XXXX, XXXX  ) after I was allowed to make a couple ATM withdraws, I went to bed an the next day my account locked an I have not been able to access any of my funds, I've been provided with no type of documentation of what is going on. Now 2 days later after waiting their 24-48 hr account under review policy they've now decided to permanently close my account with no explanation as to what is going to happen to my $ 6,600+ balance in my account. This should have never happened in the first place cause I know for a fact all the info is correct an for crying out loud the direct deposit, only direct deposits I've ever gotten, was/is issued by the government!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have disputed this with the company but have had issues trying to remove from my record and establishing an account with credit limit according to my credit score of XXXX before fraudulent activity.

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 2020-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: EdAid Limited
State: MN

Complaint narrative:
I applied for a private student loan recommended by XXXX University in order to attend their cyber security program. Edaid asked me to upload a picture of myself and 2 social media accounts which I did. I met the income requirements because I am a XXXX  whom makes XXXX $ a year at the time of the application and was only required to pay XXXX $ a month. Next the lender used my lowest credit score and based it off of old accounts from over 3-5 years ago which have all been closed or paid off. Furthermore when I checked my vintage score with XXXX  it was a XXXX, when I did the application it was a XXXX. They based their decision off of my XXXX  score but then I received an email which says its based of my XXXX  score. So I am getting mixed messages and feel as if I was denied the loan because of the XXXX of my skin because I qualified for the loan for XXXX . This caused me to not enroll in the program with XXXX University though I received a 90 % on my entry exam. My email is XXXX and XXXX. My phone number is XXXX. 
I emailed you earlier and you began an investigation but i lost my old information ( 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 2020-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I received a phone call from a person saying that I owe money to them because the doctor at the hospital send them the debt, I asked him to give me discount so I can pay it one shot, he said no, I said I am paying the hospital in payment and I just paid another bill how would I know that it is not a duplicate bills said give me time and we will talk, with the covid 19 problem everyone is trying to take care of their loved ones ' was taking care of my father ( XXXX years old ) and making sure to keep my business open and hold on to my employees it is a struggle.anyway .yesterday I was surprised he went ahead and reported it on my credit report, keep in mind I didn't receive any written mail from the ( first federal credit control ) I saw their name on my credit report with phone number that is a fax, and the other report doesn't list any phone number for communication amount is {$1300.00} my point is with all that is going on at these time, they didn't allow me enough time nor provide me with a written notice and a referenced phone number so I can have recourse I called their number it is not a working number, it is a fax number. this tactic is unfair, bcoz I have good credit, I feel I am been blackmailed by them, pay or else I will tarnish your credit, eventhough I offered to work with them, but I can't contact them, I need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient has called me over 30 times since XX/XX/XXXX, every day 4 times a day. Based on information from the Government all student loans should be on forbearance, As part of the federal legislation passed on Friday, XX/XX/2020, we have suspended payments and interest accrual on all U.S. Department of Education ( ED ) owned loans until XX/XX/2020. 

They have charged me every month since than. I logged on today the past due fees were still there and my forbearance only had only 43 days left. In addition, it'slisted that I have a payment due in XXXX ... Why am I being billed in XXXX if the forbearance is current until XX/XX/XXXX? 
They reported delinquency to the credit bureau over 60 days. How is that possible if my payments were discontinued, per federal legislation payments were suspended on XX/XX/XXXX? Furthermore they sent me a text message asking if I need forbearance, I responded yes.. 
I am in the process of filing a compliantwith the XXXX, Pleaseadvise Navient to remove delinquencyon my creditreport, and make my acct current. I have been paying on time for about 3 years ; I stopped when Covid 19th started. Please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: FL

Complaint narrative:
Today, XX/XX/2020 my Equifax score drop 50 points from XXXX to XXXX and the only change from last month was that a hard inquiry dropped off my report. I called Equifax and discussed my concern, the representative could not provide any reasoning as to why this happened. He stated is all part of their calculations and algorithm. This is mind boggling and very frustrating, I cant even get specific answers as why my score dropped significantly. A inquiry falling off your report is a beneficial thing. Please help me, Im trying to buy a house and this unfair, and Equifax can not provide me any details and say its not disputable cause its their algorithm. I feel so helpless after working so hard to get my score up to obtain a mortgage loan, and to have this happen, I feel depleted and hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: OH

Complaint narrative:
I have been using a money lending company called XXXX to help me financially. To do this they need to access my account which they have been able to do and now PNC wont let them access my account. Its my account so why is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
They wont connect my account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
See the attached documents. Also, I attached screenshots of the previous options from steps one and two of this complaint process, because Amex is guilty of everything listed and it only let me select one option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: Nelnet, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
DEPTEDNELNET XXXX  XX/XX/XXXX, XXXX, XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Even though I continuously had insurance on my home, Bank of America decided to put forced insurance on my mortgage even though I have already had insurance.

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 2020-06-26 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The credit bureau is XXXX  its taken them 3 years and they havent fixed fixed anything after several documents I call every single day

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 2020-06-26 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: National Credit Adjusters, LLC
State: MO

Complaint narrative:
Had a debt on my credit report that was removed and has now reappeared under new company ( National Credit Adjusters ) listing as an account that was opened in XXXX. THIS IS FALSE!!!! I did not open an account with them at all or in XXXX. Im in the middle of the mortgage loan process ( collection was added after process started ) and this incorrect information is ruining my credit score!!! Disputed this with the CRAs but NO response on resolution. This is account was not there when I applied for a mortgage loan on XX/XX/2020 so how was it opened in XX/XX/2020 but not reported by end of XXXX???? Reporting false data they is ILLEGAL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Our XXXX non profit just concluded a fund raiser with XXXX XXXX   XXXX through XXXX. We raised over {$4000.00} and I tried to set up electronic transfer and it will not go through due to some of the protocols at PNC bank. We have a business non-profit account. I called pnc bank and they told me it was because of their security measures and there was nothing they could do about it. This is frustrating. I should be able to set up electronic deposit of funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: FL

Complaint narrative:
This is not my account. Please remove from my report Ive been dealing with this well over 30 days. 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/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 2020-06-26 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: FL

Complaint narrative:
This is not my account. Please remove from my report Ive been dealing with this well over 30 days. 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: FL

Complaint narrative:
This is not my account. Please remove from my report Ive been dealing with this well over 30 days. 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/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 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Loyal customer of Citi Cards for over 15 years. Purchased hotels on XX/XX/2019 using a Citi-Premier Card Thank-you Points on the XXXX web site. Contacted Citi in XXXX to notify them that I would not be renewing my card. I was told that I would have to call when the card was due to expire. I told Citi that I would be in XXXX, it was unreasonably that I could not simply have the card non renewed on the expiration date and the exact reason why I would be cancelling because of my displeasure with cancelling card benefits during a contract. This resulted in my purchase of trip insurance through another provider. The end result of that conversation I am told resulted in termination of my card on that date. I would say that I did not prematurely cancel my card at that time, Citi would say that I did. What sense would that make when I had already paid the premium for the card? Regardless, there is a 90 day policy to return points. 

All points used through Citi 's travel agency, XXXX, were put back on my Premier Card and then disappeared because of the expired card. Each time I made a phone call and Citi-Points then placed the points on my secondary XXXX Citi card. 

I used Thank-you points on the XXXX website to purchase two separate hotels one for {$100.00}, the other for {$270.00}. On XX/XX/XXXX, I received notification from XXXX that my points would be refunded by the same method used at checkout. When my points did not show up within 7 days I started making phone calls and have compiled well over 20 hours trying to resolve it often waiting over an hour to talk to a person. I simply get transferred from one department to the next or get cut off because the transfer never goes through. On the phone I filed a dispute and told it would be settled in 20 days. Nothing happened. I filed another and was told it would be resolved in 5 days. Nothing happened. When I call to find out how it was resolved nobody has any idea what I am talking about. 

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX number. I finally found out that all along the reason my points were not returned after numerous attempts was because my card number no longer existed and repayment was rejected. ( A statement that I had made to every Citi representative ) XXXX has tried everything to try to help me. They even tried to contact Thank-you points in a three way call but could not connect with a person! I called two different people in the department that issues Citi cards and both told me that I only had 30 days after card termination to activate the account which would have been possible if Citi would have directed me to do so back in XXXX. At the same time Citi returned points to that card for points used through 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