vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have made repeated attempts over the last 6 months with XXXX XXXX, Equifax, and XXXX to REMOVE whatever credit BLOCK, LOCK, OR FREEZE from my credit file. 
They have yet to do so. Today ( XX/XX/2022 ), I was denied the opportunity to open a SAVINGS account with XXXX XXXX XXXX XXXX because the bank manager stated there is still a BLOCK on my credit. 

I will be purchasing a car within the next few weeks and I DO NOT need this to affect my purchase. 

I DO NOT nor DID NOT authorize any credit bureau to place a credit BLOCK, LOCK, OR FREEZE on my credit file and I want it removed PERMANENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have made repeated attempts over the last 6 months with XXXX XXXX, XXXX, and Experian to REMOVE whatever credit BLOCK, LOCK, OR FREEZE from my credit file. 
They have yet to do so. Today ( XX/XX/2022 ), I was denied the opportunity to open a SAVINGS account with XXXX XXXX XXXX XXXX because the bank manager stated there is still a BLOCK on my credit. 

I will be purchasing a car within the next few weeks and I DO NOT need this to affect my purchase. 

I DO NOT nor DID NOT authorize any credit bureau to place a credit BLOCK, LOCK, OR FREEZE on my credit file and I want it removed PERMANENTLY!

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 2022-02-09 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC
State: PA

Complaint narrative:
Recovery specialist, XXXX XXXX, called multiple times, leaving voicemails on my phone as well as on my husband and mother in laws. She left my personal information as well as threatened wage attachment and asset XXXX. I have saved the voicemails. When I called XX/XX/22, she said she did not say that. Accused me of trying to get out of paying my bills. Started yelling and saying I just want to get out of paying my bills. I tried to say to cease and desist any further communication but XXXX XXXX decided to say pay your bills and hung up on me. I called back to verify she heard my cease and desist and she said yes, she did and to pay my bills. Thankfully calls are recorded and I have the saved voicemails. ARS sent a notice of the debt on XX/XX/22 AFTER my cease and desist. Unacceptable behavior by XXXX XXXX and ARS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have contacted my bank. PNC multiple times because between them and XXXX  XXXX i havent had access to 450 dollars for over 6 days. Its not reasonable or fair that the government allows these large billions of dollar companies to take advatage as they please of normal everyday people. I have literially had no money for 5 days because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I requested to reduce my interest rate to XXXX XXXX as it was hard to pay a high interest rate. 
They promised, if I apply for loan modification, my interest rate would be reduced. I requested to refinance based on my good credit and payment record. They informed and insisted that the only way to get requested relief was to apply for loan modification. On their insistence and information that my interest rate would be reduced, I applied for loan modification twice but they did not reduced the interest rate at all and now they are refusing to refinance and not accepting their mistake. If I would have advised for refinance from the day one, I could have get refinance at 2 % or less while I was current on my mortgage with good credit. Now I can not refinance from anywhere and Loan Care is fully responsible for this misleading and misguiding intentionally. They refuse to reply of my voicemails, emails and certified mail at all knowingly and willfully. 
In good faith, I reminded them our conversations, but they aren't resolving the issue, but are threatening. My original request was to reduce interest rate which is 4.375 %. I believe they have misled me intentionally. I respectfully request assistance in negotiating the terms of modification reflecting the original promise of reducing it interest rate and waive any and all unlawful late fee and penalty, they have levied without cause and in violation of my consumer rights. If this was not done intentionally twice, that what is this? why I was misguided and misled? There is some someone somewhere who can ask this question and I have right for correct answer and get this problem fix ASAP. 

Best Regards. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 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 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Navy federal was offering a service that would credit your account to a positive balance to allow the use of the child tax credit which any moneys owed would be withdrawn in XX/XX/2022. The bank sent a message out Im error of navy federal that provided the incorrect amount, I just received a new amount which is triple. They arent willing to offer any assistance or payment arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Here are attatched of all the proof u need to dismiss my 180 days late payments on my Transunion XXXX and XXXX report. this is concerning my education loan through XXXX. I have never missed a payment due to me always being on a deferment or forbearance option with the loans for my schooling.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noticed two unauthorize inquiries on my Transunion/XXXX Credit Report. I have reached out to the reporting companies, and it appears the issue remain unresolved.

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 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Have two issues currently - I recevied a letter from Mr. Cooper that my hazard insurance is expired when it is not, it was renewed on XX/XX/2022, Mr. Cooper did not check that before sending me that letter, Mr. Cooper is just a greedy company who wants to make money out of me. 

Secondly my Mortgage relief program was approved today but the Mortgage releif administration is having problem in sending the funds to Mr. Cooper ( Please see attached ) Both these issues and concerns were raised with Mr. Cooper attorney XXXX XXXX but there is no response from her end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: FL

Complaint narrative:
XXXX mortgage unfairly reported our account as 30 days late. This was the first late charge my wife and I have EVER had in our 20 years of credit history. 
XXXX failed to notify us in a timely manner, that our payment had not been processed. By the time we learned about the late payment, XXXX had already submitted a negative report to the credit bureaus. This is not right. 

XXXX failed to provide even the most basic level of customer service. If they had simply called us to let us know there was a problem, we would have gladly wired them the money the very same day. Instead, XXXX XXXX  incompetence, and continued indifference has resulted in a significant impact to our credit scores.

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 2022-02-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Here are attatched of all the proof u need to dismiss my 180 days late payments on my XXXX XXXX and Equifax report. this is concerning my education loan through XXXX. I have never missed a payment due to me always being on a deferment or forbearance option with the loans for my schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Here are attatched of all the proof u need to dismiss my 180 days late payments on my XXXX Experian and XXXX report. this is concerning my education loan through XXXX. I have never missed a payment due to me always being on a deferment or forbearance option with the loans for my schooling.

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 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl XXXX UNAUTHORIZED USE OF CREDIT REPORT Im filling a complaint because Ive noticed trans union is reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to report anything without my consent let alone obtain, furnish, and report completely false and inaccurate information. I've even called quite a few times stating the violations and was given the response that their was nothing that they could do about it.This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining XXXX percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly. 

Best Regards, XXXX 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 non-monetary relief
Consumer complaint received 2022-02-09 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: VW Credit
State: FL

Complaint narrative:
I am purchasing my car at lease end due XX/XX/22. The agreed documented contract price is XXXX. 
I contacted the Audi Financial services dept, they said I needed to go to the dealer. Contacted the dealer on XX/XX/22, let them know I am buying the car and they emailed me a document, with multiple ambiguous dollar sums totalling XXXX. 
They included service contract XXXX which they removed. 
The base amount they used was XXXX, it is clearly on the attached contract as XXXX, then they added fees of XXXX, added government fees of XXXX, 7 % tax, I argued Florida is a 6 % tax state they argued it is 7 %. 
They said they, ( the XXXX dealer ) has to buy the car from XXXX financial, and that changes the residual value on the lease agreement. 
I read blogs where other people report there is NOTHING the laws do to protect consumers and they can basically charge whatever they want. 
So I ask what the purpose of sn " agreement '' is in the first place. My hands are tied I have to sign these documents, and when I try to get resolution the narrative will become " well she signed the documents '' because I will run out of time here. I CAN NOT believe the public is not outraged by this shameless manipulation and NOTHING is being done to stop these deslerships from taking advantage, snd not honoring their own contract. This is so wrong, adding XXXX to the buyout price alone tells me there is a real problem here. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
My timely mortgage payments were incorrectly applied as " ADDITIONAL PRINCIPAL '' and " MISC RECEIPT ''. As a result, I have been charged multiple late fees and my account was reported delinquent to all 3 credit reports. This caused my XXXX score to drop XXXX points and credit card companies to cut my credit lines. 

Attempting to get this corrected with TD Bank has been a nightmare. There are two groups involved, the mortgage servicing group and the collections group. They use different computer systems, can not see the same notes and information, can not/ do not talk to each other, and updates on one side can take " several business days '' to be viewed by the other side. 

The result is a multi-hour phone tag where I am continually transferred from one group to the other. I am repeatedly told by the servicing group that they see my account is still in forbearance, which obviously makes no sense since at the same time they say I have payments due and am delinquent. 

When I call the collections group, they assure me that there are " notes on the account '' to fix the issue, but they can't actually fix the issue, nor can they tell me when this will be fixed, nor am I allowed to talk to anyone with any authority. I'm fed up with this and it's a waste of my time. 

This whole issue began because TD Bank changed my mortgage payment 1 month after forbearance ended, which caused my original XXXX payment to be {$40.00} short. ( I thought escrow adjustments were supposed to be made only once per 12 months? ) I didn't know about this adjustment because in the year 2022, TD Bank does not have online mortgage statements. Even though I immediately made the extra {$40.00} payment once informed in XXXX, this still has not been applied and my account remains delinquent in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
XXXX XXXX Last reported XX/XX/2022 {$1800.00} Open balance XXXX XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
Have a fraud alert on my report I didnt put there. Cant log on to account. Cant call them. Everything is about money to talk to XXXX XXXX that dont speak 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 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2022 {$6100.00} Open balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2018 an order was placed at Ashley Furniture for {$3000.00} using a Synchrony Bank credit card. The order was for a couch, bed, and bed frame. On XX/XX/2018 the order was modified to a different couch for {$2800.00}. On XX/XX/2018 the order was canceled. I have reached out to Synchrony Bank on multiple occasions to notify them of the canceled order, however they refuse to acknowledge the credit and continue to charge me for the canceled order. I have also provided Synchrony Bank with the credit, however they continue to keep the order on my statement. Attached you will find the two sales orders along with the credit voiding the sale.

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
I obtained a Balance Transfer from Discover Card. I paid 3 % for the balance transfer of {$12000.00}, which totaled {$12000.00}. 

The next month, Discover, debited my checking account for the entire {$12000.00}. When I called to explain that the payment was to be limited to {$750.00}, I was advised that the system had submitted an aoutomatic payment for the full amount. 

I explained that I had an outstanding check for {$15000.00}, but I was advised nothing could be done to return the money. Instead, I was advised that it would take at least a week to return the money. When I asked for my {$360.00} Balance Transfer fee to be returned, I was advised that this would not be possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have not been able to get my free credit report online from Equifax since 2016. I try every year, and every year, Equifax uses bogus verification questions to deny me access. I don't have any problems with XXXX or XXXX ; only Equifax denies me access online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have noticed two unauthorize inquiries on my XXXXExperian Credit Report. I have reached out to the reporting companies, and it appears the issue remain unresolved.

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 2022-02-09 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:
I have two unresolved, unauthorized inquiries on my credit profile with Equifax. 

I have reached out to each company requesting that these unauthorize inquiries be removed from my credit profile. As of to date, these unauthorized inquiries remain in my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: WA

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

Company response to consumer: Closed with explanation