vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Fifth Third Bank is practicing deceptive business practices. They sold a product named XXXX XXXX XXXX to us without our knowledge and wish. We never requested this product. Upon learning that we were signed up for this product, I reached out to them on multiple occasion and requested that they remove the charge of {$3.00} for each month beginning from day 1 they applied the charge. They refunded the charges initially, and assured us they will order a regular debit card which has no fee. This was also a lie. The charges kept coming. I reached out to them in person the 2nd time and they again assured they were correcting the issue. This never happened. As of today we are still being charged the fee of {$3.00} and they have not corrected the issue. I have reached out to them again via online banking messaging for their mobile app and from online banking messaging via a computer to no avail. They are interested in passing the buck between customer service and the branch. THEY ARE CLEARLY doing unethical things and should be punished just like other financial institution that were in trouble in the past for similar things. I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-16 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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
As of today 's date, XX/XX/XXXX ; Equifax shows a credit score for me of XXXX after it went down by 20 points, due to spending on my credit limit. However, XXXX shows a credit of XXXX, XXXX shows a credit of XXXX ; and both of the latter credit bureaus show an increase in credit score while Equifax, which shows zero collections always shows a decrease. Additionally, XXXX shows only a 29 % use of credit, while Equifax shows 40 % I have attached all 3 credit reports and proof of payment for XXXX -confirmation # XXXX ( receipt was not sent, yet ).  There is ZERO uniformity between credit reporting agencies, and there's no accountability for credit bureaus on how they report our credit. 

How is there a 23 point difference between XXXX  and Equifax and 38 point difference between XXXX  and Equifax ; when I have collections on XXXX ( 2 of 3 have been totally paid off as of XX/XX/XXXX )?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I used to be able to link my bank account to my investment and budgeting apps but now they won't let me. It's super frustrating and limiting my financial growth potential. This is a huge step backwards for a bank at a time when banks need to be more progressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have a total of 4 charges dated XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 from XXXX that were processed on my paypal account. I disputed them and paypal just closed my claim without investigating them. XXXX has confirmed they're fraud transactions but paypal refuses to provide any way for an appeal to be submitted. They need to do a better job at actually investigating charges before immediately denying claims. I will sue them if I dont get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My car loan was with PNC Bank. The car was purchased before I was married and therefore both the title and loan were in my maiden name. I called them on XX/XX/2020 to express my intention to pay off the loan and to see if I could have the title mailed to my married name or otherwise arrange to pick it up, as I knew the mail addressed to my maiden name would not make it to me. I explained I understand that I need to correct the name on the actual title, but that I needed the mail envelope itself to have my married name. The representative I spoke with said that they could not mail it to my married name but that 1 ) they would mail me the form I need to fill out to legally change my name with them in the event that 2 ) the title bounced back to them. In other words - worst case scenario is the title is returned to sender and they would be able to mail it back addressed to my correct name. I paid the loan in full on XX/XX/XXXX. As expected, neither the title or change of name form made it to me. 

After several calls to PNC in an attempt to address the issue, I was escalated to someone in PNC escalations ( name and phone number available upon request ). I was told that my only option is to pay the 3rd party company XXXX a {$23.00} lost title fee to get a letter of debt satisfaction in the mail. Then I would have to go down to my state office and pay {$50.00} for a duplicate title as mine is " lost. '' They are attempting to pass these costs onto the consumer, including the {$23.00} fee to their third party vendor, due to something I called in advance to try to stop from happening. It seems negligent at best and like a complete scam at worst. Its an absolute joke - especially considering that we as consumers are unable to control which creditor our loan is sold to. I spent over a month dealing with this issue and did not receive a satisfactory resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: TX

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISCHARGED 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 2020-07-16 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISCHARGED 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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
my credit report shows a debt in collections from a XXXX. A payday loan that i never applied for, nor recieved any money from. This is a known payday loan scam ( tribal ). The amount is for {$800.00} and shows as a negative collection on all of my credit reports. I have contacted the original debtor, whom offered no assistance, unless i gave them my privite social security number to look up the original loan details, which i refused to provide. XXXX telephone agent could not look up any details of loan and instructed me to reply with inquiry to the following email. 

XXXX upon investigating, i have. discovered that this is a known company & scam. Please accept my report/claim, and assist me in getting this fruadulent loan removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/XXXX, I purchased a round-trip airline ticket for {$840.00} from ticket agent XXXX, using my Barclaycard Mastercard credit card. The flights were scheduled by XXXX XXXX. 

In XX/XX/XXXX, I was notified by voicemail and email by XXXX XXXX that the flights were cancelled due to Covid-19. XXXX XXXX ' email stated that I qualified for a refund, but when I contacted them, they referred me to XXXX, which refused to issue a refund. 

I contacted Barclaycard by phone in XXXX, and they sent me a letter dated XX/XX/2020, stating that I had been issued a provisional credit for {$840.00} to my credit card account. On XX/XX/2020, they sent a letter stating that the credit was reversed and the charge was reinstated. They did not explain their reasoning in reversing the credit. 

I sent Barclaycard a letter on XX/XX/2020, disputing the charge because I had not received the goods and services from XXXX  that I had been charged for. Being charged for the ticket although it had been cancelled was a violation of the Fair Credit Billing Act. I noted that the Third Circuit Court of Appeals had ruled that consumers can challenge a credit card charge within 60 days of the reinstatement of the charge. 

On XX/XX/2020, Barclaycard sent me a letter stating that I was not entitled to have the airline ticket charge reversed. 

I believe Barclaycard is in violation of the Fair Credit Billing Act.

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 2020-07-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: TN

Complaint narrative:
I was sent an empty debit card that was supposed to be my unemployment funds, that has been over a month ago and no updates, no money transfer, no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
In XXXX I purchased a Honda Dirt Bike from XXXX XXXX Honda XXXX in XXXX XXXX, FL. I financed the bike through American Honda Finance. At that point, I did not receive mail at my home address or even have a mailbox there. All mail went to my office. The dealership must have incorrectly submitted the home address on my drivers license, as I specifically told them my office mailing address. 

This was not brought to my attention until I received a phone call from American Honda Finance indicating that my FIRST payment was late. I told the representative that I never received the statement, immediately updated the address ( they had the wrong address on file ), and promptly made payment. I never made a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: TX

Complaint narrative:
On XX/XX/2020 I was suspended from employment, I did request from XXXX XXXX a forbearance plan for XXXX, XXXX and XXXX. I went back to work and re start the payments on XXXX XXXX. I asked them what will be the next step in relation with the forbearance, they told me they need to modify the loan and ask for all the documentation, i did submit all the documents back in XXXX, but still not resolution up to today. I ask the why they keep sending me statements with late payments due, and they answer not to pay attention to them. Last thing that happened is that they report to Equifax a missing payments report on the loan and i lost 85 points on my credit score, i did call them regarding this issue and they told me they can not fixed.another thing I notice on my statement they are collecting on my payments MIP and PMI insurance on my mortgage, and my understanding is that should be only one, no both.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: CA

Complaint narrative:
on XX/XX/2020 I received an email from XXXX XXXX  and XXXX   about a new hard inquiry into my credit. I NEVER AUTHORIZED THIS HARD PULL! 

I am in the process of buying a home and had all my credits from many lenders being pulled from XXXX XXXX XX/XX/XXXX. Which is within a 2-week time frame and so counts as one credit pull. I DID NOT AUTHORIZE ANY LENDER TO PULL MY CREDIT BEYOND THIS DATE OF XX/XX/XXXX. 

ON XX/XX/2020 I got an email saying that there was a new credit pull. I want to dispute this. This is unacceptable and I did not authorize this. I want this removed. Below is the following information about the Hard pull : Alert Type : Inquiry - New Inquiry Found On : XX/XX/2020 A new credit inquiry has appeared on your credit report. Please review the details of the alert for information that may indicate  identity theft. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceEXPERIAN Alert DateXXXX Inquiry DateXXXX Name XXXX Phone ( XXXX ) XXXX Business Type FR Street AddressXXXX XXXX  XXXX XXXX XXXX State CA 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 2020-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a phone call from JP Morgan Chase Bank regarding an Amazon credit card account. The customer service representative asked me to pay {$400.00} at this time for an account that has been delinquent since XXXX of XXXX. I asked to speak to a supervisor and he got me in contact with an account supervisor named XXXX whose ID is XXXX. I told her due to the current COVID-19 pandemic I am unable to work like many other Americans and requested another deferment on the account. According to XXXX, on XX/XX/XXXX a letter was sent to my address, which she said waived four months of payments from XX/XX/XXXX - XX/XX/XXXX. All of the late fees were removed for non-payment. According to XXXX, she is not able to offer any more deferments on the account and asked that I contact a credit counseling agency at XXXX. Without a job it is almost impossible for anyone to payoff there creditors due to the COVID-19 pandemic. I ask for assistance with this issues because my bank XXXX XXXX XXXX XXXX has provided a deferment each month since the pandemic began. JP Morgan Chase Bank refusal to provide assistance will cause my credit score to go down even further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where ( principal, interest, Escrow ) were check # XXXX funds applied, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: TX

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my 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 2020-07-16 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 trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
There are 2 marks on my credit from this collection agency. I paid the debts in full and was informed that the company would do their part in deleting these marks from my credit report. However, it has been over a month and my credit report is not showing an updated status to these debts as well, they have not been deleted from my report all together which, upon speaking with a representative to pay the debts, ensured me they would delete the reports.

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 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
this number has called me repeatedly over the past couple of weeks. It begins as a robocall and I usually hang up but today I actually listened for the option to speak to a person. When a person came on the line she asked me to identify myself. I told her No, you called ME, who are you looking for. She said she wasn't going to say until I identified myself since I called. No I didn't! YOU called ME. Who are you looking for?

She said she didn't have to say so I hung up. 

I don't have ANY outstanding debt - if I did how could my credit score be XXXX?? I need them to stop calling me and not only that - if I ask who are you looking for, after YOU called ME, don't ever expect me to identify myself first. You've got to be joking.

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