vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MD

Complaint narrative:
When the Covid virus started i was getting layed off one week here and two weeks there. When the government started doing deferred mortgage payments i contacted Cardinal Financial about doing deferred payments. They granted 3 months deferred payments so i did XXXX, XXXX, and XXXX. I came out of it and starting making monthly payments again in XXXX and requested a loan modification. I never heard anything from them but kept making monthly payment along with multiple call to correct my account. i finally heard from them in XXXX and was told my payment would increase to reflect the missing payment to be spread among the remaining payments on my loan. In XXXX i try to refianance my house with another company and i find out a second mortgage lein has been put on my house through a 3rd party in the amount of the missing deferred payments in partnership with Cardinal. Also the monthly payments i was making wasnt applied to my account until XXXX when the new refinance company started asking for documents. It was put in a holding account and applied all at one time in XXXX which is messing with my interest on filing my taxes this year. Ive called multiple time to correct this but was told it was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good morning to all, I always thank you for your help when I had problem famous bank of America. Today I come again beacause with that bank it always a problem for me to understand them. 
Yesterday night I was reviewing some activities on my app and I suspected something wrong, the famous bank charge me INTEREST ON PURCHASES on a cart that I'm not using for more than a year ( since my last problem with them ). 
I prefer ask you for help it is why I don't call them I don't ' believe on their words. 
I could not open my statements. 
I could not access to my transactions for that they are making men pay interest on purchases. 
I don't know if they really fixed my credit the last time.

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 2021-03-23 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I sent a dispute to XXXX, XXXX, XXXX, which they stated was verified. 

I sent validation letter to original creditor American express. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. 

All correspondence have been attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2021 Tjx Rewards Platinum Master Card ending in XXXX XX/XX/2021 BP Visa ending in XXXX XX/XX/2021 Amazon Card ending in XXXX XX/XX/2021 Lowes Advantage Card XXXX XXXX XXXX XX/XX/2021 Synchrony Homes ending in XXXX XX/XX/2021 Rooms to go ending in XXXX XX/XX/2021 Care Credit ending in XXXX XX/XX/2021 Amazon Card ending in XXXX Synchrony Closed all these accounts and the reason is high risk of failure to pay which Never late on any of my credit cards ever some had no balance and never been used also the would close an account then they say to apply and they give it back to again just to close it in a month to destroy 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 2021-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted my information to lending tree and authorized them to pull my credit so they could match me with lenders to give me a private party auto loan. Based on my information I was quoted at a 4.4 % auto loan with lightstream.com. Within 5 minutes I completed a formal application and was approved but for a 6.34 % unsecured loan. When I contacted the company seeking the original rate and to ask why it would change so much they said they do not do pre-approvals and the only accurate rate is after the hard pull during their application. I understand that things may change in people credit between the soft and hard pull or a half a percentage point may be adjusted in general but it seems very deceptive to quote such a low rate for one product and then switch it for a different product at a much higher rates. If I knew I couldnt get an auto loan then I would have shopped for personal loan rates instead.

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 2021-03-23 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: TX

Complaint narrative:
I noticed an inquiry from XXXX on my credit Experian report and called Experian to dispute the inquiry as fraud/identity theft Experian stated since a relative added me to their XXXX card as an authorized user within 30 days that the inquiry was not fraud even though a hard inquiry is not necessary to add an authorized user to an XXXX credit/charge card. 

I further educated the representative XXXX at Experian that the inquiry was indeed fraudulent. XXXX stated that based on Experians policy that he could not remove the inquiry. Pursuant to 15 USC 1681a any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Also, pursuant to 15 USC 1681b consumer reporting agencies may only furnish this information with my written permission which they do not have. 

I did not consent to, authorize, nor benefit from any of the following inquiries, block and remove them immediately : 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 2021-03-23 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
XXXX XX/XX/2021, I received an inquiry on my credit report from Tower Loan. I called the company to have it removed, only to be forwarded to a prerecorded hang up line. I also contacted XX/XX/XXXX. They sent me here. Please remove this from my credit report. The pandemic has made life hard enough.

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 2021-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please review and note my perfect payment history speaks for itself, the reason I was late for these payments were extraneous circumstances, I did not receive statements.

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 2021-03-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please review and note my perfect payment history speaks for itself, the reason I was late for these payments were extraneous circumstances, I did not receive statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please review and note my perfect payment history speaks for itself, the reason I was late for these payments were extraneous circumstances, I did not receive statements.

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 2021-03-23 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: MA

Complaint narrative:
I sent a dispute to XXXX, XXXX, Transunion, which they stated was verified. 

I sent validation letter to original creditor XXXX XXXX. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. 

All correspondence have been attached.

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 2021-03-23 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: MA

Complaint narrative:
I sent a dispute to XXXX, Equifax, XXXX, which they stated was verified. 

I sent validation letter to original creditor XXXX XXXX. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. 

All correspondence have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased a house through XXXX XXXX. Who then sold my mortgage to BBT. I received my first payment/invoice in XXXX and promptly made a payment XX/XX/2020. I then paid each month before the deadline of the XXXX of each month there after. I'm not sure why but they reported me on my credit report of being late for XXXX, XXXX, XXXX, XXXX and also owing {$280.00} in late fees. I called BBT and they were to look into it and then they sold the mortgage to Suntrust. I then called Suntrust and the rep said I was late for XX/XX/XXXX and I explained I didnt even get my invoice until mid XXXX. To date I have not gotten any resolution on the matter. I have proof of payment for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX - which also shows on my account so I am very confused. This reporting is hurting my credit severely and during this trying Covid time I am struggling.

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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I contacted Equifax in reference to inquiries that were placed on my account after a freeze was in place. When I explained to the first representative, he stated they were placed before the freeze was in place in the same day. When I asked can he please verify because I know what time I locked my account. I somehow got disconnected. The same happened with the second representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This has been going on since XXXX when i noticed the inaccurate information on my credit report. I have contacted the collection agency who advised me they can not do anything to correct this matter. As well as the original company who advised me they have new management and none of the previous employees i dealt with worked for the new company. I have contacted all three credit bureaus regarding Fair collections in and out reporting inaccurate information on my credit report. Which states that i owe them {$4400.00} for a home that I no longer lived in. I sent all three bureaus proof of my lease agreement for the prior year as well as my notice to the company that I would not be renewing my leases and i would be vacating the premises. I also sent them emails that I had with the company confirming that I would no longer be living in the home. The credit bureaus then sent me back the same lease agreement which is for the prior year XXXX. Ignoring the fact that this companies charges are all from XXXX a year that they did not have a lease agreement for also a year i was no longer living in the home. Which I sent proof of my XXXX new home lease agreement that verifies i did not live in that home for the months/year I was charged. I moved out of home XX/XX/XXXX a week earlier than I needed to. The credit bureaus have failed to remove this from my credit report after irrefutable facts were sent and they continue to verify this debt as accurate. I am being punished due to this company XXXX XXXX XXXX XXXX being sold XXXX XXXX XXXX XXXX right when my lease ended and a mistake has been made that caused me to be charged half a year for a home i was not living in nor received a deposit back for! I am at my wilts end and no one will hear me out. I do not owe this company anything I paid my last months rent submitted my 60 day notice and I moved to my new home XX/XX/XXXX, Please help me resolve this matter and getting this inaccurate collection removed from my credit report asap. 
Thank you

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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Re : application # XXXX XXXX XXXX XXXX Vendor denied credit card on basis of Equifax Credit Information Services. 

My letter to them dated XX/XX/2021 averred my outstanding credit with various accounts including XXXX XXXX and MasterCard. 

Requested explanation for their report. 

Never received response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: NJ

Complaint narrative:
My credit was at XXXX and this company that I just paid off stayed on my credit report so I disputed it! After the dispute, my credit dropped XXXX my credit was rising and I think the system XXXX me and I'm willing to continue this until others ( that probably look like me ) come forward with the same problems! These agencies are working to keep things looking bad and I want this investigated

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 2021-03-23 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: GA

Complaint narrative:
Identify theft from XXXX from my taxes, a stolen wallet and more recently the Equifax data breach. As a mother and wife trying to provide better for my family this has been beyond frustrating because I havent been able to help my husband with limited and inaccuracies in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: NJ

Complaint narrative:
My credit was at XXXX and this company that I just paid off stayed on my credit report so I disputed it! After the dispute, my credit dropped XXXX my credit was rising and I think the system XXXX  me and I'm willing to continue this until others ( that probably look like me ) come forward with the same problems! These agencies are working to keep things looking bad and I want this investigated

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 2021-03-23 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: GA

Complaint narrative:
Identify theft from XXXX from my taxes, a stolen wallet and more recently the XXXX data breach. As a mother and wife trying to provide better for my family this has been beyond frustrating because I havent been able to help my husband with limited and inaccuracies in 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 explanation
Consumer complaint received 2021-03-23 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: GA

Complaint narrative:
Identify theft from XXXX from my taxes, a stolen wallet and more recently the XXXX data breach. As a mother and wife trying to provide better for my family this has been beyond frustrating because I havent been able to help my husband with limited and inaccuracies in 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 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX XXXX ENDING IN # XXXX CLOSED CHARGED OFF BALANCE TRYING TO SETTLE ACCOUNT AND HAVE UPDATED PAID TO CREDIT BUREAYS AS PAID XX/XX/2020 OFFERED SETTLEMENT OFFER AT 45 % XXXX ACCEPTED OFFER BUT WAS UNABLE TO KEEP AGREMENT DUE TO MEDICAL EMERGENCY I.AM REQUESTING ORIGINAL AGREEMENT BE REINSTATED I AM WILLING TO SETTLE THE ACCOUNT IN 15 BUSINESS DAYS WITH AN ACCEPTABLE OFFER TO ME

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 2021-03-23 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: NY

Complaint narrative:
I purchased a house through XXXX XXXX. Who then sold my mortgage to XXXX. I received my first payment/invoice in XXXX and promptly made a payment XX/XX/2020. I then paid each month before the deadline of the XXXX of each month there after. I'm not sure why but they reported me on my credit report of being late for XXXX, XXXX, XXXX, XXXX and also owing {$280.00} in late fees. I called XXXX and they were to look into it and then they sold the mortgage to XXXX. I then called XXXX and the rep said I was late for XX/XX/XXXX and I explained I didnt even get my invoice until mid XXXX. To date I have not gotten any resolution on the matter. I have proof of payment for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX - which also shows on my account so I am very XXXX This reporting is hurting my credit severely and during this trying Covid time I am 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 2021-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On or about XX/XX/2021 my lender submitted a request to PNC to subordinate my 2nd lien HELOC loan as I am refinancing my current 1st lien mortgage. Despite promptly submitting all my paperwork and getting a call from an appraiser neither my lender nor I have received any communication from PNC. I went so far as to send multiple emails to to PNC and call their branch manager. The branch manager called me back toward the end of the day and told me he didn't have any way to provide me with an update. 

I have already had to extend my refinance lock agreement ( at a cost ) and am now faced with either paying off this PNC HELOC or paying again for another lock extension. 

My total combined loan to value ( including my new loan as well as the full amount of my HELOC ( if I were to use it all ... .which I am not ) is well under 80 %. 

Over 50 days!!!! What the heck???? 
TIME TO CANCEL PNC!

Company response to consumer: Closed with explanation