vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 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: PNC Bank N.A.
State: FL

Complaint narrative:
I had a Home equity line of credit with National City bank which was purchased by PNC Bank, I opened the account in XXXX, the loan amount was up to XXXX dollars, I paid this account as agreed until I fell ill with XXXX and was in treatment for over 6 years, During this time I was unable to work and was placed on XXXX by my insurance company. WE obtained a modification from PNC and paid the agreed amount although they took the payments, they reported all late because of the delay in obtaining a modification. After a full recovery and my ability to work again starting in XXXX of XXXX, we made payments and eventually paid the balance of XXXX when we sold our home. PNC reported and still reports that this loan was charged off, I never received any type of notification that PNC intended to or did charge this loan off, my first realization was when it showed up on my credit report with XX/XX/XXXX when i applied for a new construction mortgage. I have tried in vain to have this " Charged Off '' notation removed from my credit report, several attempts at PNC and at XX/XX/XXXX. I have attached documents showing my request for pay off and my Letter of " Congratulations '' showing my loan was paid in full with all charges and interest. and a release of lien. I also have attached the closing statement showing the payment to PNC from the proceeds of the sale of our home. I believe they received a tax break from the IRS for this Charge off and they were paid in full for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Ordered a weight bench from XXXX in XXXX, a gift for my XXXX son. Bench did not get delivered. at first XX/XX/XXXX kept delaying the delivery. then eventually it said it was out for delivery but it never came that day and status was switch to delivered. have been going back and forth with XXXX XXXX and my bank. XXXX confirmed that the package was delivered to the wrong address. it was an address on a street called XXXX. XXXX insured me that the package would be retreived but it was never delivered in the upcoming days. I still have not received the weight bench or a refund. 

Recently, XXXX have said that I would be refunded and the refund still have not been put into my account.

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 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-11 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: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis Consumer Center XXXX XXXX XXXX XXXX, XXXX  XXXX Submitted erroneous information about my credit to my Homeowners Insurance with XXXX XXXX XXXX XXXX increased my insurance by {$760.00} because of erroneous info. I sent a letter to LexisNexis four months ago and never received a reply. This company needs to be shut down. 
NCF Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was over charged on an app that I have on my phone. I was able to prove it so my bank issue me a credit for the overcharge. Two months later the bank charged my account for XXXX dollars that number I didn't have so when my social security check was deposit went in for XXXX I was XXXX dollars in the negative. Therefore there are bills I can't pay. Plus I can't do XXXX this year.

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 2020-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
We have applied for a re-fi with our current mortgage company Caliber Home Loans XXXX XXXX XXXX XXXX XXXX beginning in XXXX of 2020. I have filled disclosure forms, had my credit run, and allegedly been approved on three separate occasions. Each time told the mortgage was going into final approval, then the process starts over. I don't understand what's happening but it seems the company is acting in bad faith. Since beginning this process I've been submitted to relentless adds and calls from companies claiming to be affiliated with Caliber. I feel they may no longer be a legitimate company. The processor XXXX XXXX does not respond to calls or emails. I have over 30 corresponding emails so I'm not sure which ones to attach here?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: TN

Complaint narrative:
I did not authorize the following inquiries on my credit report :XX/XX/XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XXXX XXXX, 2020 XXXX - XXXX, XXXX 2020

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 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-11 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Multiple issues : 1. First of all, this is a commercial loan, held under my business. The mortgage servicing company, XXXX XXXX, notified me in a letter that they do not report commercial loans on personal credit reports, yet this still remains on my personal credit. 

2. Secondly, I have entered into a forbearance program on this loan in XXXX of 2020 due to inability to pay mortgage because of the pandemic. I was told over the phone that I would be on forbearance for 3 months, with the option to extend another 3 months and possibly beyond, once the 1st 3 months is up. After the first 3 months, in the month of XXXX, I spoke to another representative on the phone, whom asked if I need to extend the forbearance, to which I told her yes, because I am still suffering financially due to the pandemic. I had sent all of the requested information for the extension of the forbearance, and was passed around to multiple representatives. On one phone call in XXXX, a representative told me that I must pay my bill because my forbearance was over in XXXX. I told her that I was in the process of extending the forbearance, and she told me, for the first time ever, that my lender was not extending forbearances for any of their customers, and that I am considered delinquent for the past 3 months. I told her this is the first time I was told that, and she apologized for not having communicated that with me. Now my credit report is showing that I am delinquent for the months of XXXX, XXXX, and XXXX, when I was supposed to have been in forbearance. I have all recording of every single one of my calls with XXXX, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I also have all the email correspondences since the end of XXXX where I have submitted all of the requested info to extend my forbearance. They told me they were not offering forbearance extensions in XXXX, AFTER the fact that they have been reporting my account as delinquent, while having me believe that they are working on my forbearance extensions. 

3. Lastly, a representative of XXXX  had been corresponding with me via email and had made discriminatory remarks regarding my XXXX sounding name. My perception is that she is treating me differently due to discrimination, by falsely telling me that all of the other reps that told me they do not report on commercial loans are incorrect, and that she is the only correct representative of XXXX  regarding the matter.

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 2020-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company
State: TX

Complaint narrative:
I'm in the process of obtaining a loan with DHI Mortgage, the in house lender for DR Horton. The appraisal did not meet value and the lender is insisting in waiting for another appraisal to be completed in order for me to close on the house. I'm literally homeless after the XX/XX/XXXX and the lender is insisting in having another appraisal completed. I have been under contract for over 6 month with this situation. The home is ready and I have been promised to close several times and no closing yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Medical Administrators, Inc
State: CA

Complaint narrative:
Hi, I received a collection notice letter yesterday ( dated XX/XX/20 ) from a National Medical Administrators , Inc with a {$150.00} debt collection from a company called " XXXX-XXXX  XXXX  XXXX. '' No further information regarding what this debt is for was provided. Ref # : XXXX and creditor acct # XXXX were included in the notice. Is this a scam? Please help me with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX the credit I received from An unauthorized charge was reversed. This charge was initiated on XX/XX/XXXX by XXXX XXXX XXXX. I was not informed that I had an appointment that day and I was told in a voicemail, which I still have, that my credit card information was not on file. I did not sign a contract with this merchant or give them permission to charge me for a service. Wells Fargo acted egregiously in this matter, reversing the charge when my account balance was already low to charge me for overdraft fees.

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 2020-12-11 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My home mortgage was serviced by Mr. Cooper. I was on XXXX XXXX orders for the month of XX/XX/XXXX. I requested XXXX  and XXXX  benefits from every financial institution or lender I do business with, including a XXXX  payment deferral. 

All replied back ( XXXX, XXXX, XXXX, XXXX XXXX  ) with a similar letter in accordance with the CMFFRA your payments have been deferred.Your new interest rate is 0 % and your next payment will be due X/X/X. 

At the end of the deferment period, my loans returned to their regular interest rate, with no additional chargers or deferred interest. 

Nationstar denied my XXXX payment deferral several times stating that my account was already approved for XXXX  benefits and nothing else was required. After multiple requests over a period of several months, I finally received a letter that my payment deferral had been approved as a one-time exception to their XXXX  policy, and that payments would be deferred from XXXX and that my loan maturity date had changed from XX/XX/XXXX to XX/XX/XXXX. 

Unbeknownst to me at the time, Nationstar had effected a {$5400.00} lender paid expenseagainst my loan, however it did not raise or lower my principal balance. That {$5400.00} balance was used to make payments to my account to cover principal and interest during the duration of my deferral. 

I was not aware of the charge until I paid off the mortgage loan on XX/XX/XXXX and was charged the {$5400.00} lender paid expense. I initially believed that the entirety of the {$5400.00} charge was owed to me, but after reviewing my statements, I found that those funds were used to pay towards my loan during my deferment period and I was charged {$1500.00} in interest during the deferment period. 

My issue is with the interest charged during the deferment period. Section 804 of the Military & Veterans Code states No interest shall be charged or accumulated on the principal or interest on which the payment was delayed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-11 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On or about XXXX XX/XX/2020, I placed the amount owed on my credit card in dispute. Comenity Bank failed to place the amount in dispute. On or about XXXX XX/XX/2020, I received a letter stating that the amount was in dispute and that no fees or interest would be assessed to my account. On XXXX XX/XX/2020, Comenity Bank added an interest charge to the amount that was in dispute. On XXXX XX/XX/2020, on a conference call with XXXX from Comenity Bank and XXXX from Wayfair, it was obvious that in the last 2 months despite being told an investigation had been ongoing, Comenity Bank never conducted an investigation and continued to assess fees on an amount in dispute. During that call, XXXX from Comenity Bank heard that Wayfair did indeed fail to process a refund and that an additional credit would be applied - as I suspected and which was why I initiated a dispute with my credit card. I believe, as does XXXX, that when Comenity Bank broke away from Wayfair charges and pending refunds were not properly handled by Comenity Bank. I fear and believe that many other consumers were victims of Comenity Bank and that because of their tactics of delay and ignore and not do anything - many consumers have and will continue to be hurt by Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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:
Hello, Well, I believe a big mistake happened and I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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