vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
today XX/XX/20 I've wasted over 5 hours ( 2 on initial call then another over 3 unable to reach them ) trying to open a " home depot '' card thru cit-credit ( I imagine part of citibank ) ... .they left me on hold over an hour after online-application required " MORE info '' ... then rep got on phone with me & took over another hour to inquire further. 
This all for a " {$25.00} credit '' on first purchase. 
After having to pay for not one but TWO texts, they said I was approved & read me the TEMP card number & security code from back of temp card.

I read it back to this XXXX girl TWICE since she got nothing straight first time. 
GOT email stating I was approved & to electronically SIGN for it to use right away. STAYED on phone with her, she said she " saw it all going thru & active '' so I could immediately buy. 

Well NO, that was an entire lie.There is NOT only no {$25.00} credit offer TO BE honored but also card does NOT work. 

I've called back stated number XXXX for " if I have problems '' and have NOW BEEN ON HOLD OVER

3 HOURS. YES, 3 HOURS. still ON Hold & now ( 3hr. 15 min
utes ) having wasted over SIX hours of my day, am hanging up & want them to PAY for fraud & MY time. Also a credit inquiry that, as you know, impacts all our score negatively. 
please STOP these criminals right away & I will NEVER step into a HOME DEPOT IN MY life except to let others know my HORRID experience. 

please HELP stop this fraud. PLEASE!!!!!!!!!!

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 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Mortgage was paid in full at close of escrow when property sold three years ago. Mortgage still shows as unpaid, delinquent and three years behind in payments. Title company paid off mortgage as part of closing process and provided wire transfer confirmation, as well as audited final settlement statement. Both document are available for upload to support my complaint. Currently trying to qualify for a new mortgage and learned that this incorrect reporting is impacting my credit score and ability to qualify.

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 2020-04-28 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: AZ

Complaint narrative:
Mortgage was paid in full at close of escrow when property sold three years ago. Mortgage still shows as unpaid, delinquent and three years behind in payments. Title company paid off mortgage as part of closing process and provided wire transfer confirmation, as well as audited final settlement statement. Both document are available for upload to support my complaint. Currently trying to qualify for a new mortgage and learned that this incorrect reporting is impacting my credit score and ability to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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:
Mortgage was paid in full at close of escrow when property sold three years ago. Mortgage still shows as unpaid, delinquent and three years behind in payments. Title company paid off mortgage as part of closing process and provided wire transfer confirmation, as well as audited final settlement statement. Both document are available for upload to support my complaint. Currently trying to qualify for a new mortgage and learned that this incorrect reporting is impacting my credit score and ability to qualify.

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 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: PA

Complaint narrative:
XX/XX/2020 XXXX XXXX made contact with about payment I stated I did not have the payment and would call him back I am XXXX late or 2 months late XX/XX/2020 XXXX XXXX attempt to make a contact with me again but I could not answer as I am an essential worker. He then moments after called 2 of my friends and family members. He did not leave his name or his contact info. I then called him back on my break he asked for payment I stated I would pay it on Thursday. {$170.00} he said that's fine and then you won't owe I Payment until XXXX as he offered me a deferment .... ..after getting more details from the calls he made to try and understand his course of action I called back to lendmark and asked what there corporate number was, which he also said he could not find and wasn't sure of an external number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dismissed it

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 2020-04-28 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these creditors to pull my credit.

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 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I would like to connect my PNC with my XXXX account and it is not letting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS THUS REFER TO ATTACHED IDENTITY THEFT POLICE REPORT. 
I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE DELETE THE BELOW ACCOUNTS AND REFER TO THE IDENTITY THEFT POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I attempted to receive the free annual credit report of all three agencies, I was not able to get it from Experian. The page said I was required to download a report and send it in with a photocopy of my ID. I don't feel happy conveying that data by mail or by fax.

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 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is not a duplicate. 

My complaint is that Capital One lied. 

They said that they had resolved my problem but they did not. They claim that I was able to log in, but I was not - I keep getting the message " Let 's get this worked out. You may not be able to see all your account features right now, but we're working on it. Try again in a bit, or give us a call at ( XXXX  ) XXXX. '' There is nothing to click on, no way to move beyond this page to access my account. 

I do not have online access to my credit card information. I need online access ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: NC

Complaint narrative:
I have been trying for two days to get in touch with Equifax to temporarily unfreeze my report. When I called they said they were having issues with the accounts/website and to call back later. I have been on hold for 2 hrs trying to call them back because I can not access my information by phone nor by the Equifax website to remove the freeze. 
I have a mortgage loan application pending and need this to be done ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: HI

Complaint narrative:
Told company, told i would be given a forbarence. was not told there would be a balloon payment. No deferal option

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Opened a savings account with XXXX XXXX. I go to link my PNC account with it to add funds and it says PNC made a change to the privacy that makes it so you cant link other accounts to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/2020, Current Bank decided to freeze my account due to a {$1200.00} deposit from my XXXX  bank account to my Current account. They informed me that a security team would review my account, and then I would be able to resume using the account. I've emailed them over five times asking for them to finish the review, and to look at my account. I only received a response twice, and they still have not completed their " security review. '' They have not contacted me, asked for any information, and do not respond to my emails. I have no way of contacting them since their phone line is down, and I can't use the chat in the app to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: NC

Complaint narrative:
After reviewing the credit file from Experian. Noticed credit report has two late payments from XXXX XXXX Auto Account : XXXX Account status Closed Date opened XX/XX/2018 Account type Auto Loan Balance Loan Amount {$0.00} Two late payments display incorrectly. I'm exercising my rights from FCRA to review inaccuracies from credit reporting

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 2020-04-28 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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : XXXX XXXX XXXX XXXX opened XX/XX/2020 I did not applied for this company and did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
NorthStar Location services out of NY has contacted many of my family members, friends and even an ex ( who I haven't been with in 7 years ) SEVERAL times in the last 6 months. I have and others have told them to stop calling or harassing. I put my number on the do not call and then also have not sent me anything in the mail, ALL has been phone calls. There has to be some kind of relief against this type of harassment and embarrassment they have caused our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I paid off my car in full with a {$16000.00} balance. Wells Fargo failed to apply the funds and close the account. The daily interest continued to accrue. And they never alerted me to the fact that there was an outstanding balance of roughly {$25.00} which they then wrote off. They never told me that there was a discrepancy or gave me an option of paying the additional money to save my otherwise perfect credit. They reported this internal mistake as a write off on my credit. When i call in to discuss what happened, the customer service department acknowledges the time of the additional monies posting after my payoff, but they do not have the authority to approve removing it from my credit account. I have escalated this multiple times to a department that you are not able to talk to, but they have been less then helpful. They continue to report this and negatively impacting my credit

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 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX Contract  was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After reviewing the credit file from XXXX. Noticed credit report has two late payments from XXXX  XXXX Auto Account : XXXX Account status Closed Date opened XX/XX/2018 Account type Auto Loan Balance Loan Amount {$0.00} Two late payments display incorrectly. I'm exercising my rights from FCRA to review inaccuracies from credit reporting

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 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: MN

Complaint narrative:
On XX/XX/2020 my lender checked my credit ( since I am the middle of my last phase of the closing today!!! But I was rejecting due to an a collection in my credit .This account was paid to my provider XXXX  XXXX on XX/XX/2020. 

I tough was a mistake since I never recieved any notification, I called no complaint officer the manager she cant remove it. But when I ask about the days of report clearly the days doesnt much they never gave me the 30 days notice to either dispute o paid the account was place ( under the superviser statement on XX/XX/2020 they " gave me '' a 45 days before they report in my credit but my credit show otherwise less of 30 days. 

That is completely a violation I paid directly to XXXX XXXX attach proof of the last statement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  out of NY has contacted many of my family members, friends and even an ex ( who I haven't been with in 7 years ) SEVERAL times in the last 6 months. I have and others have told them to stop calling or harassing. I put my number on the do not call and then also have not sent me anything in the mail, ALL has been phone calls. There has to be some kind of relief against this type of harassment and embarrassment they have caused our family.

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 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I am an existing client with this company. I put in a request for additional funds. After 2.5 weeks of continuously asking me for one new item after another, they declined my loan saying, " Unable to verify income ''. This is FALSE. I uploaded my XXXX & XXXX 1040 's, I also uploaded my XXXX 1099 from my employer ( Have not filed XXXX taxes ). I was approved on my previous loan with Sofi using the same 1099 's for years XXXX & XXXX from my same employer. 

Sofi was also in possession of my XXXX 1099 for well over a week before making their decision. They only made their decision after I uploaded a Profit & Loss showing a XXXX expense, for the entire year! My Debt to Income Ratios are below 25 %, My Fico is a XXXX, and my income was almost 300k the last 3 years running. My unsecured debt is {$8300.00} and I have been with my current employer for 4 years. 

I have been around lending and for over 26 years. Sofi has denied the loan saying they were unable to verify income when all income was provided. They have been misleading and vague since I started the process with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: INTERCONTINENTAL CAPITAL GROUP
State: AZ

Complaint narrative:
On XX/XX/2020 Intercontinental Capital Group called me about a refinancing per information that we filled out under XXXX XXXX. I explained to him that I was already working with XXXX XXXX. I spoke with XXXX XXXX and he told me he could do much better for us and to give him an opportunity. I explained to him that XXXX had already done a hard pull on our credit and I did not want to see our credit score pulled down by multiple pulls. He explained to me that he would be doing a soft pull which does not affect my credit score. So I ONLY gave my permission for a soft pull. He sent me paperwork which I questioned several times because I had only asked for a good faith estimate and amortization schedule and he included loan application papers saying ( In Process ). So again I made it clear to him that I was not ready. After that conversation on XX/XX/XXXX. he had performed without my permission a hard pull on my credit by XXXX XXXX XXXX which I discovered the next day by checking my credit score on XXXX. I then called him the next day and asked him if he had done this and he said yes. I then asked him to call the credit company and undo this to a soft pull which he did not do. We are now in the process of refinancing our mortgage and it is crucial that we have an exceptional high credit score that we had so that we can get the lowest and best rate for the life of this loan. This is our one chance with rates so low that it will enable us to actually pay our house off before we retire. It is crucial that we get this off of our credit record and I want recourse for the action that this man who represents Intercontinental Capital Group did without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
Hello, On XX/XX/2019 I called Goldman Sachs asking to close my account and they confirmed they did ; however, it keeps showing in my XXXX  credit report and everytime I file a dispute it keeps showing the wrong information that my account is still open with a balance. I have called both companies and they are both asking me to do things none of them do. It has been an ongoing issue without finding a solution.

Company response to consumer: Closed with explanation