vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: NJ

Complaint narrative:
WE HAD A 30 YEAR CONVENTIONAL MORTGAGE PAYING XXXX DOLLARS PER MONTH WITH XXXX OF PRINCIPAL. 

IN XX/XX/XXXX OUR MORTGAGE WAS HIJACKED IN THE BIGEST WELTH TRANSFER SCAM IN HISTORY. 

FROM XX/XX/XXXX TO XX/XX/XXXX WE WERE NOT ABLE TO MODIFY THE EXISTING MORTGAGE. 

FINALY IN XXXX ARVEST MODIFIED THE MORTGAGE BY ADDING THE {$85.00} XXXX IN ARREARS TO THE ORIGINAL 30 YEAR MORTGAGE. 

THIS IS A FRAUD. THE XXXX SHOULD HAVE BEEN REPAYED WITHOUT TOUCHING THE ORIGINAL MORTGAGE. 

WE ALREADY PAYED THE XXXX DOLLARS WITH INTEREST. 

WE WANT OUR ORIGINAL MORTGAGE BACK.!!! 

BUT NOW WE HAVE XXXX PART 2 WHICH WILL BE MUCH WORTH THEN XXXX. 

STOP THE GREED OF THE SHARKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX credit card balance reported on credit creports. filed dispute with the big3. under unatherized use of credit reporting. all 10 items removed and reported back to credit report. disputed again. removed. then reported 3rd time as negitive experian, XXXX, XXXX  continue to report neg. items not belonging to me. have contacted crediter. no response. experian stated they will not dispute said items again. experian states by law they do not have to dispute over 1 time. experian, XXXX  have locked me out of my account. this is my information i have a rght to view and dispute any and all information that is not correct. my family lives on the streets due to fake info on reports. turned down jobs, lack of homes due to the big 3 is not required or no laws inposted to make them do the job. XX/XX/XXXX XXXX  breech. info provided to me that my info was lost.

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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm trying to purchase a home and my credit report was pulled twice the first report was accurate at the time it was being pulled then the lender pulled my credit again and old information showed up on my credit report ie child support, credit acceptance, web bank, and professional adjustment which isn't mine I reached out to Equifax and asked them what was on my report they said child support, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I said to them that I'm looking at my file on my Equifax dot com and  the credit file I see as of XX/XX/2020 says different and besides the XXXX XXXX it's the accurate report. Equifax is not reporting any of my positive credit on their side but on the web site the positive credit is being reported but they are reporting all of the old stuff causing me problems with the purchase of my home this is not the first time I've had a situation with Equifax and I'm prepared to file a lawsuit in Federal Court. note : when I contacted them I was told to hold on while they research the issue and I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
My XXXX y.o mother has a checking account with PNC bank branch : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX She does not have a debit card, as so she does not have access to her funds with this bank. 
The bank has closed, the bank phone has no information ; in fact, the phone rings until you get a XXXX error message. There is a sign posted on the door of the bank saying it's closed, with no other information. 

This bank branch is in a community of elders and vulnerable adults. XXXX  XXXX XXXX is one of the largest retirement communities in the country. PNC has closed this branch, ( the closest open branch is in XXXX XXXX, FL, ; XXXX XXXX XXXX XXXX , XXXX XXXX, FL and is only accessible by car, if you are lucky enough to have one.  The faster route to the open bank is logged at 40 miles  from the XXXX XXXX branch via XXXX XXXX. 

PNC 's decision to close the branch, along with the reckless lack of communication to its patron is unconscionable. It's as if PNC has deliberately closed this branch, where they know its patrons have limited access and mobility and are unable to access their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: IL

Complaint narrative:
Lending Club agrees to allow customers to make payments securely through their website. They performed system maintenance over the weekend of approximately XX/XX/2020. Since that time the payment system has not worked and not allowing payments to be made by the consumer. The website as of XX/XX/2020 still will not allow secured electronic payments. They send harassing emails daily threatening late fees if you do not call a number or send confidential payment including banking information in an unsecured email. They also try to trick the consumer into giving them the same confidential information over an unsecured phone system. I spoke with 'XXXX  ' who tried to force me to give her the same confidential information over the phone without a guarantee the information would be secured. I insisted they fix their website so I have the protection of my bank and Lending Club accepts liability for any fraudulent access to their systems. They refuse. I have contacted them 4 times via their message center and twice by phone. 'XXXX  '' has no operator ID or any other proof she works for Lending Club to give the consumer the assurance the information will not be violated. Lending Club has in the past violated payments by processing them late or too early so they can assess fees. They are trying to impose fraudulent late fees because their payment system is not working. According to the XXXX XXXX XXXX, payments sent by check are often not processed on time resulting in more late fees imposed by Lending Club. I am trying to schedule a pay off of the loan however they will not fix their website to allow for the payment to be made and an immediate confirmation received. This company operates by intimidating consumers and assessing late fees by shutting down their electronic payment systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On or about XX/XX/2019, Citibank, N, A., via XXXX XXXX, induced me to apply and get their credit card with a special offer of {$200.00} reward bonus if I spend {$1000.00} in the first 90-day period. After I completed my part of the offer, they arbitrarily swish spending amount to {$1500.00} without informing me. I believe this is consumer fraud of bet and switch by the Citibank. This was all done on the line, they have all the documentation and I have none.

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 2020-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NE

Complaint narrative:
For the last three weeks I have tried to call Sun Trust now Truist to discuss options during these hard times. Each time I give up after being on hold for five hours plus. After reading all the comments on there XXXX page Ive come to realize that any one calling in for relief due to the Corona Virus is experiencing the exact same thing. The customers that have won the lottery and actually have been able to speak with someone are only given the option to put the loan in forbearance for three months and then have all three months of payments due immediately. I understand that there a business so free to do what they want but when they flaunt on there website how there donating XXXX XXXX to help with the Corona Virus but unwilling to help there millions of customers thats just plain XXXX and a PR stunt to look good!!!

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 2020-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
To whom it may concern RE : KEYBRIDGE MEDICAL REVIEW MGT XXXX This is the 3rd time a 3rd party debt collection such as yourself ( XXXX XXXX XXXX XXXX ) has attempted to collect on this account that was never verified under OHIO LAW 1319.12 ORC Taking assignment of Debt. ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

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 2020-03-26 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX/XXXX  is reporting as a closed account on my report. This account was sold to XXXX XXXX which gives XXXX/XXXX  no merit to still be reporting. This has cause me to be unable to obtain new credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX credit card balance reported on credit creports. filed dispute with the big3. under unatherized use of credit reporting. all 10 items removed and reported back to credit report. disputed again. removed. then reported 3rd time as negitive XXXX, XXXX, transunion continue to report neg. items not belonging to me. have contacted crediter. no response. XXXX   stated they will not dispute said items again. XXXX states by law they do not have to dispute over 1 time. XXXX, XXXX  have locked me out of my account. this is my information i have a rght to view and dispute any and all information that is not correct. my family lives on the streets due to fake info on reports. turned down jobs, lack of homes due to the big 3 is not required or no laws inposted to make them do the job. XXXX XXXX breech. info provided to me that my info was lost.

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 2020-03-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX credit card balance reported on credit creports. filed dispute with the big3. under unatherized use of credit reporting. all 10 items removed and reported back to credit report. disputed again. removed. then reported 3rd time as negitive XXXX, equifax, XXXX continue to report neg. items not belonging to me. have contacted crediter. no response. XXXX   stated they will not dispute said items again. XXXX states by law they do not have to dispute over 1 time. XXXX, equifax have locked me out of my account. this is my information i have a rght to view and dispute any and all information that is not correct. my family lives on the streets due to fake info on reports. turned down jobs, lack of homes due to the big 3 is not required or no laws inposted to make them do the job. 2017 equifax breech. info provided to me that my info was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA RESPONSE CFPB XXXX USAA CONFIRMS FALSE CREDIT REPORTING INFORMATION DESTROYING MY CREDIT CLAIMING I REPORTED FRAUDULENT FRAUD. USAA Confirmed I Reported XX/XX/XXXX Transactions of XX/XX/XXXX - XX/XX/XXXX {$470.00} FRAUD ( see XX/XX/XXXX FRAUD CLAIM OF XX/XX/XXXX ) PLUS ADDITIONAL FRAUDS I DID NOT REPORT. USAA Confirmed I REPORTED {$470.00} + plus XX/XX/XXXX-XX/XX/XXXX {$180.00} Plus + XX/XX/XXXX - XX/XX/XXXX + {$59.00} UNTRUE. see attatched XX/XX/XXXX STATEMENT ( ALL CHARGES FROM XXXX XXXX TO XX/XX/XXXX ARE INCLUDED IN WHAT I REPORTED {$470.00} FRAUD. ) USAA FABROCATED FRAUD REPORTS NOT MADE BY ME. THIS IS ILLEGAL ISN'T IT???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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:
I just recently examined my credit report and have noticed some inaccurate accounts that are being reported on my credit report. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no knowledge of who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of gaining new credit. I am pleading for a reinvestigation into this matter and to have these derogatory accounts removed from my credit file.

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 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
Keep sending me collection notices for a XXXX account that ins't mine. I have been part of a family pan for yeas and sent in the paperwork to the previous collections agency and was told was closed but is now back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Premium Credit Bureau
State: FL

Complaint narrative:
There are several companies reporting as inquiries that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There are several companies reporting as inquiries that I did not apply for.

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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
Due to COVID-19 I contacted my mortgage company advising that I was furloughed and no income, I was told that a package will be sent to fill out to see if I qualify to not to pay for three month since everyone is suffering cause of the Virus. Received the package and completed and sent on XX/XX/2020 Next thing my credit score gets dropped by 100 points. 

Name of the mortgage company is : Ameri Home Mortgage Acc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I accrued charges for XXXX  XXXX  in excess of {$8000.00} last XXXX and have been making regular payments since then. The charge, on a promotional offer, was advertised to be no interest accruing for 24 months. Finally, after making payments well over the minimum, and at times more than once per month, I got the balance down to {$910.00}. My last payment was made on XX/XX/2020 in the amount of {$320.00}. When I made that payment, the amount due ( as shown on my account information on their website ) stated that no payment was due. Since I wanted to pay this loan off, I made the {$320.00} payment anyway. To my astonishment, when I logged on the website today to view my balance, I saw they charged me a late fee of {$29.00}. Immediately I called the customer service number provided but a voice recording said the wait time would be in excess of 30 minutes due to a large call volume. I wait on the phone for a few minutes but hung up. Instead, I wrote a message to them regarding this matter but it is probably too soon to get a response. For the life of me, I don't understand how they and other financial institutions like them are allowed to continue these deceptive and unscrupulous practices. We can do better as a nation! Finally, I want to add that this isn't the first time it's happened with CareCredit. A few months ago, the same thing happened. On that occasion, I called and got the charge removed. My concern is, I shouldn't have to check to see if I am being fleeced by them!

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 2020-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Dear Sir/madam : I am paying for a vehicle I bought in XXXX from Honda Financial Services. This is a XXXX XXXX XXXX and at the time I purchased the vehicle the price was {$15000.00}. After my trade-In value for my XXXX XXXX the total financing was still {$23000.00} ( for a XXXX ). The monthly installments are {$490.00}, which I have been paying until I became XXXX in XX/XX/XXXX and was put on Social Security XXXX as my income. 
I wrote to Honda Financial Services and requested that they decrease the payments because of my position, and they have totally ignored me. Please help me to resolve this situation by reviewing my contract for inconsistences, because I believe that there are some type of price gauching where this company is concern. In addition, I am unable to make that high installment in my connent situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 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: Auto Trakk, LLC
State: MI

Complaint narrative:
Cashier check was sent to Auto Trakk with certain stipulations. I have contacted Auto Trakk several times. I have basically gotten the run around with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation