vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 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: AR

Complaint narrative:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unXXXX XXXXknown items. Please remove these fraudulent accounts from my report. Thank you.XXXX   XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$18000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX  XXXX {$670.00} XXXX XXXX XXXX {$130.00}

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 2020-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
I want the XXXX correctly applied to principal and backdated to XX/XX/XXXX. I want a revised amortization schedule. I want the correct balance reflected on the customer portal. 
Background : On XX/XX/XXXX my bank sent a check for the above numbered mortgage for XXXX. This amount was calculated to pay an additional XXXX on principal balance by XX/XX/XXXX. Instead NewRez applied a portion of the money toward Principal, interest, taxes, insurance, for XXXX of XXXX and applied the remaining amount to principal. I have been trying ever since to get the funds properly applied - per the company policy all additional funds are to be applied to principal. I have been getting nothing but the run around, excuses and form emails that do not address the error that was made on my account. 
I contacted NewRez about this matter on the following occasions : XXXX - spoke with Mr. XXXX ( Mr. XXXX was professional and polite ) XXXX - wrote email XXXX - Spoke with XXXX who said " ticket submitted should be resolved in 24 hours ( XXXX was professional and polite ) XXXX - wrote email XX/XX/XXXX - still not resolved wrote and spoke to NewRez refi person XXXX who also submitted a ticket on my behalf XX/XX/XXXX sent messages via portal that matter still not resolved XX/XX/XXXX spoke to XXXX call dropped, called back and spoke to XXXX XXXX who was at times extremely rude and condescending and made excuses and had trouble counting- " It can not be escalated until 5-7 days '' -even though the initial request was on XXXX XX/XX/XXXX sent a message to the CEO via XXXX XX/XX/XXXX Spoke with XXXX XXXX said that there was a note indicating that the issue would be or should be corrected by XX/XX/XXXX and that she was adding a note telling how the extra payment should have been applied. ( XXXX was professional and polite ) XX/XX/XXXX portal still not updated spoke with XXXX called dropped as I was on hold waiting for a supervisor. ( XXXX was professional and polite ) Called back was directed to a supervisor XXXX XXXX who told me that the department was behind and that there was no one else that I could speak to that could help me with this matter or explain why the additional funds were not applied to principal as stated in the company 's written policy. Not helpful.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: AR

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX   XXXX {$480.00} XXXX  XXXX {$1300.00} XXXX XXXX {$760.00} XXXX {$220.00} XXXX   XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I disputed with XXXX  to remove a comenity capital bank account off my credit report. The account has been closed and paid in full for a year. It has late payments and is negatively reporting which is causing me to not be able to get a home loan. I have spoken with comenity and sent letters. They will not budge. I have disputed with the 3 bureaus and they will not help nor budge either. I just want to be a home owner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I disputed this account with Convergent Outsourcing stating this is not my account and it was updated a valid on my credit reports. They did not provide any signed contract or anything else stating this account was mines. This company is in violation of the FCRA for verifying the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.

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 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Last week of XX/XX/2020 bank closed my account and in that account was a pension check

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Reporting inaccurate 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 explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have been trying to link my bank account to my XXXX XXXX  witch it does not allow me to do so, an say that my bank ( PNC ) has made changes not allowing it to be linked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: Block, Inc.
State: MI

Complaint narrative:
I had cash app account with XXXX in it and they lock or took my money with no reason well it was because MI UIA got that all tooking care of but they still haven't release my money if theres anyway you can help please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My last car got repossessed after I lost my job and now I have a outstanding balance due and a negative impact on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, my bill for XXXX did not go through when it was on auto bill because the account status switched to restricted and eventually closed. I reached out to the Capital One by phone and they said they saw the payment try to come out of the bank but it was rejected because the account was restricted/closed. They never notified me of the rejection or closure. In fact, I called and asked for them to send me correspondence on the reason for the closure and how to access account to make a payment. I kept following up and I finally received an email. The email was sent XX/XX/XXXX saying that the account was 2 months behind with a due date of XX/XX/XXXX. I followed the link to make a payment, which I could not access via online, so I called to make the payment. Payment was received successfully this time, but now the credit card company gave me a late payment. I now can not get a mortgage because of this mark on my credit file and the bank will not help me with this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17 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: GA

Complaint narrative:
On XX/XX/2020 I recieved an inquiry on my report from XXXX XXXX on behalf of experian business cred. I disputed it with XXXX XXXX in which they removed the inquiry from my XXXX  however this inquiry is still on my experian steming from 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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I disputed with XXXX to remove a XXXX XXXX XXXX  account off my credit report. The account has been closed and paid in full for a year. It has late payments and is negatively reporting which is causing me to not be able to get a home loan. I have spoken with XXXX and sent letters. They will not budge. I have disputed with the 3 bureaus and they will not help nor budge either. I just want to be a home owner.

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 2020-06-17 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: GA

Complaint narrative:
On XX/XX/2020 I disputed with XXXX to remove a XXXX XXXX XXXX  account off my credit report. The account has been closed and paid in full for a year. It has late payments and is negatively reporting which is causing me to not be able to get a home loan. I have spoken with XXXX and sent letters. They will not budge. I have disputed with the 3 bureaus and they will not help nor budge either. I just want to be a home owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I disputed with Experian to remove a XXXX XXXX XXXX  account off my credit report. The account has been closed and paid in full for a year. It has late payments and is negatively reporting which is causing me to not be able to get a home loan. I have spoken with XXXX and sent letters. They will not budge. I have disputed with the 3 bureaus and they will not help nor budge either. I just want to be a home owner.

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 2020-06-17 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:
PNC stopped allowing customers to manage their money using XXXX XXXX  such as XXXX and XXXX. PNC does not offer the same credit repair services that other apps do and are not allowing me to freely use my income in ways that benefit me best in rebuilding my credit. If they do not fix this issue and again allow customers to use XXXX secured apps, they will undoubtedly lose myself and many other customers. This issue has directly impacted my ability to pay bills on time and caused me to incur multiple fees due to their changing the policy and blocking the apps from use without notifying customers and without any good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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:
Ive been trying to set Up my XXXX account for my apartment, due to covid money is tight and this is the only way I can Pay rent on time right now. My account says Pnc isnt letting me connect my account so this needs changed or unlocked or something

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: IL

Complaint narrative:
Both XXXX  and TransUnion updated my credit report for the issue I previously reported with XXXX. Original issue was, XXXX added a statement 'affected by natural disaster ' ( COVID ) and then removed it causing a massive hit to my score. After the investigation, XXXX added the statement BACK to my report as well as 'Current '. 

Outstanding Issue : My credit score never went back up from that massive deduction on either reporting agency report.

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 2020-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kashia Services
State: CA

Complaint narrative:
I became aware of this debt on XX/XX/XXXX upon receiving my paycheck and discovering a garnishment for 15 % of my wages, I received no notice or communication from Better Day Loan about this matter. On XX/XX/XXXX, I contacted the phone number provided to me by my employers payroll processing company XXXX, the phone number is for a collection agency called XXXX, when I told them I had no knowledge of this debt, they referred me back to Better Day, I contacted Better Day 5 times, Better Day referred me back to APEX and APEX said that they don't have my contract and that I need to get that from Better Day, I again contacted Better Day and requested a copy of the contract, I received an email this morning from their finance department from someone named XXXX, stating the contract was attached, the contract was not attached. I again contacted Better Day 's finance department and was told that they could not discuss the matter with me and I needed to contact Apex, upon contacting XXXX, I'm punted back to Better Day. I have emailed Better Day customer service and asked them to revoke what ever permission they claim to have against my wages to no avail. I need this to cease immediately, I have no knowledge or information about this debt and Better Day and XXXX are playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: NY

Complaint narrative:
I notified EXPERIAN that i am a victim of identity theft and they accused of being a credit repair person. My name is XXXX XXXX and i have fraudulent activity showing on my credit report

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 2020-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: IL

Complaint narrative:
XX/XX/2019 my recurring payments were stopped without my knowledge and. A result my credit report now shows a missed payment. Once discovering this I made the payment before the next one was due and continued every payment thereafter on time. Im disputing this late payment and would like it removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Reporting inaccurate 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 explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
We opened a Store Card with Amazon through Synchrony in XXXX XX/XX/2019. Payment due dates are set for the XXXX of each month. We had initially set up for the card to take an auto payment of Min Due. 

Our First bill came, and I paid the card on XX/XX/XXXX. Which was more than the Min  Due. 

On XX/XX/XXXX it then tried to take a Min Due payment and was rejected, even though we had already paid more than the Min due. 

So we called and had them turn the auto payment off, after they told us that even if we make the payment it will still take a payment. 

XX/XX/XXXX I then paid the card off this was for the XX/XX/XXXX invoice. 

XX/XX/XXXX I paid the XX/XX/XXXX payment, and then it again tried to take a payment. And I had the bank reverse it. And called to complain. 

The rep told us it can take 30-60 days to disable auto pay and that's why it happened. She then assured me its now turned off.

I told her your website says that Auto Pay cancelation is 2 business days not 30-60.  She apologized for the confusion and left it at that. 

I then made the XX/XX/XXXX payment on XX/XX/XXXX. And we received a letter that our account has been closed for 2 returned payments. 

I continued payments until we had a brief hit in XXXX XXXX with Covid, they reversed any late fees due to covid, and I then continued to pay the card off. 

I then spoke to them again, as it showing on our credit as closed by credit grantor is dragging our score down. 

When I spoke to them today they said it was closed due to delinquency. I said the account was never delinquent it was always paid 15 days before due dates. The issue, was we assumed that if the min payment is XXXX and we pay XXXX, that the auto pay would not then try and take a payment. As we had already paid the min and more. 

And we then assumed after we turned off auto pay it would not be an issue again. But they still took another auto pay.. And then closed the account for the two returned auto pays. Even though I had paid the account manually before the payment due dates. 

Talking to them is you had two returned payments sorry cant help.. and don't seam to understand I had already made the payments and had auto pay canceled. Its not my fault they say it takes 30-60 days to turn off when the site says 2 bussiness days. 

I would like them to reopen the account and remove any negatives.

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 2020-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
reporting inaccurate 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 explanation