vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Purchased one washing machine from Home Depot using a co-branded credit card from Citibank. I was over charged for one washing machine and have been disputing it since XXXX. Last conversation took place on XXXX with the Citibank 's dispute department and they told me they spoke with home depot and everything was taken care of and I would be credited. They told me it would take on statement cycle for the credit to take place so which would be by XX/XX/XXXX. When I checked my card balance today the credit was not made to the account. When I called Citibank 's dispute department again on XX/XX/XXXX they now told me that Home Depot said they credited everything I was owed and the dispute group at Citibank told me that they won't do anything else I have to work with the store. When I go to the store they tell me I need to deal with the card. 

Purchase information : XX/XX/XXXX - purchase for washer and dryer {$2400.00} - Cancelled order XXXX - purcahse for washer and dryer {$2300.00} - cancelled order XX/XX/XXXX - purchase for washer {$1000.00} - cancelled order XX/XX/XXXX - purchase for washer {$1100.00} - accepted order Total Amount charged : XXXX Credit from Home Depot : XX/XX/XXXX - {$1100.00} XXXX - {$40.00} XX/XX/XXXX - {$1000.00} XXXX - {$1100.00} XXXX - {$1200.00} XX/XX/XXXX - {$40.00} Total Amount credited : {$4700.00} Total Amount charged {$7000.00} minus total amount credited {$4700.00} Amount remaining : {$2300.00} minus purchase of 1 washer for {$1100.00} Still owed refund of {$1100.00} for overcharge of an additional washer which I never received Citibank dispute department refuses to help me at this point and says it's a closed case. I'm having to pay for 2 washing machines when I only purchased one. I keep getting the run around between the departments of the co-branded card company Citibank and Home Depot it's apparent that the systems/data does not update properly. Citibank left it with to bad you have to pay the balance.

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 2019-11-15 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: SC

Complaint narrative:
This XXXX XXXX XXXX XXXX auto loan item was inserted onto my credit file and I did not receive any notification at all via mail. 
Im supposed to be notified at least 4 days before reinsertion. 

I need this account removed and blocked from my credit report ASAP. I have filed a new identity theft report as well have the notarized affidavit to certify that this XXXX XXXX  account does not belong to me. 
Account number is in the letter.

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 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCE CORPORATION
State: NY

Complaint narrative:
Today, XX/XX/XXXX I called in to speak to my "Assigned Rep" for a personal loan I applied for online first with this company. In speaking to the rep named, XXXX XXXX, she denied me the opportunity to submit my application to underwriting where they can review my credit and income documents. She said "you are denied and you are wasting your time" and kept insisting I use a vehicle or some other sort of collateral instead. I again mentioned that I would like to proceed with my application for the personal loan since you pulled a hard inquiry on my credit and she did not allow me any opportunity to move forward on my application and denied me the opportunity to review any of my income documents or anything else. I feel like I did not have an equal credit opportunity and was discriminated against by the rep specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: SC

Complaint narrative:
Experian is reporting old inquires on my credit from 2016. There are also collection accounts that I do not recognize.

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 2019-11-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
Specialized Loan Servicing is threatening foreclosure on my property and saying that I need to sell and pay them {$42000.00} in late fees. The original loan was discharged in bankruptcy over 10 years ago and was for {$37000.00}. They repurchased the debt and put a lien on the property for the second mortgage. Last year in 2018 when I called and asked them about the letters that they were sending they told me " You don't have to do anything, and that when I sell the property whether it be in 1 year or 10 years the debt of {$37000.00} would be paid off at closing ''. Now a year later, because there is equity in the property they are threatening foreclosure and saying that with penalties I owe them over {$95000.00}. I am trying to work with them and set up a payment plan for the original loan because I am wanting to stay in my primary residence. With the help of legal advice and HUD we are asking them to give an itemized detail of why the late charges are more than the original loan. Also, have a copy of the original HELOC contract and no reference of late fee charges are listed. Again, I am willing to set up a payment plan with them so I can keep my primary residence.

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 2019-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: KY

Complaint narrative:
I moved from XXXX to XXXX  early 2019. I notified Granite of address change. I was never alerted to payment issue. Once I saw the 90 day late payment, I disputed through the credit bureaus and directly to Granite. XXXX  moved the 90 day late payment from XX/XX/2019 to XX/XX/2019. But the status date has never changed? Did a reasonable investigation really happen? And a remark of consumer dispute this account should have reported after the direct furnisher dispute. 

Plus Granite never mailed me their process of re-investigation of a dispute like the credit laws allow me to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: DISCOVER BANK
State: FL

Complaint narrative:
I am writing in because the discover card practices are unethical and are hurting all consumers I opened an account with discover I applied for the card in XX/XX/XXXX and it took them almost a month verify me and my information to open the card ok I star using the card and then in XX/XX/XXXX they ask me to release my tax information to them to verify my identity. I have never had to do such a thing for any CC company I did not feel comfortable with this I called the company they said yes the emails legit and we nee to verify who you are. I initially scanned in my SS card and DL. Then I told them I have card that have a way higher limit that did not required al the Hassel and struggle. they the said ok well Ill close your account. I asked them to escalate higher in the company as I do not believe its fair to the consumer to take a hit twice one for you to run credit them to close it. SO NO ONE CALLED OR FOLLOWED UP WITH ME THEY CLOSED THE CARD. My credit was hit again as I have a new account closed and then they added remarks closed by grantor so now that 3 total negative hits. This now has also happened to my Son account. they need to be stop we as consumers work hard to maintain or build good credit with the struggle in the economy for them to be adding extra obstacles just because they are a big credit agency is not at all fair. this is happening to many other and they need to stop and be held accountable. I rather them had just denied me from the beginning at least that would have been just one hit I would have had to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Its all automated and i cant get a hold of someone to fix the issue.

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 2019-11-15 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: SC

Complaint narrative:
On XX/XX/2019 Isubmitted supporting documentation to Transunion including DL, Ssn number and police report for the identity theft of XXXX XXXX XXXX reporting I owe {$3000.00} for a lease that was not obtained through me. They claim I signed a second lease through an email with XXXX. My email and password and social security number were found in the dark Web this is Identify theft, XXXX  and XXXX has already removed this from my reports weeks ago. I'm requested that Transunion do the same, they are saying that they have not received my documents I've sent them out twice!!!

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 2019-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX is reporting a wrong status on my credit report by saying that I'm 120-149 Days Late on a section of loans with them ( {$49000.00} ). This is false because on XX/XX/2019 I was granted forbearance by XXXX XXXX that covered the time period that they are saying I'm delinquent ( XX/XX/2019-XX/XX/2019 ). On two occasions, two customer service people that helped me with this forbearance process told me that once it's approved, they will contact credit agencies to remove the delinquency reporting. Then after it was approved, customer service people are now telling me they will not remove it. So, on XX/XX/XXXX I filed a dispute with TransUnion and XXXX detailing this issue. XXXX completed their investigation and it seems that XXXX XXXX is still refusing to remove the false delinquency reporting from my credit, as it is still on my credit as of today. This is ruining my financial life, in that my credit dropped exponentially and will now not be able to get a loan for a car that I need to get to work and will cause me issues when trying to get approved for the next apartment I need to rent from. This makes no sense to me, as I even have a credit reference letter generated by XXXX XXXX XXXXhat states I am 0 days delinquent on all loans with them. My account is current with a {$0.00} balance and I have no payment history with them because I've never had to make a payment.

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 2019-11-15 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: VA

Complaint narrative:
XXXX XXXX is reporting a wrong status on my credit report by saying that I'm 120-149 Days Late on a section of loans with them ( {$49000.00} ). This is false because on XX/XX/2019 I was granted forbearance by XXXX XXXX that covered the time period that they are saying I'm delinquent ( XX/XX/2019-XX/XX/2019 ). On two occasions, two customer service people that helped me with this  forbearance process told me that once it's approved, they will contact credit agencies to remove the delinquency reporting. Then after it was approved, customer service people are now telling me they will not remove it. So, on XX/XX/XXXX I filed a dispute with XXXX  and Equifax detailing this issue. Equifax completed their investigation and it seems that XXXX XXXX is still refusing to remove the false delinquency reporting from my credit, as it is still on my credit as of today. This is ruining my financial life, in that my credit dropped exponentially and will now not be able to get a loan for a car that I need to get to work and will cause me issues when trying to get approved for the next apartment I need to rent from. This makes no sense to me, as I even have a credit reference letter generated by XXXX XXXX that states I am 0   days delinquent on all loans with them. My account is current with a {$0.00} balance and I have no payment history with them because I've never had to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: PA

Complaint narrative:
On XX/XX/19 I notified the Credit Bureaus that there was incorrect information on my credit report that needed to be removed because of improper reporting. I did not hear back from them in a proper 30 day time frame so I initiated a second letter stating the facts again for improper reporting as well as initiated a phone dispute, this dating XX/XX/19. I recently recived a letter from TransUnion dated XX/XX/19 that the information was accurate on my credit report which is now false. They have failed to properly investigate and remove this inaccurate information from my credit report which is damaging to my credit profile. I would like matter to be taken seriously.

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 2019-11-15 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: SC

Complaint narrative:
XXXX, Transunion, and XXXX  are reporting two collection accounts on my credit that should have been filed with my insurance if they belong to me. I have no knowledge of these accounts. Transunion is reporting 19 inquires on my credit that I did not authorize. Please remove all incorrect 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 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: WLCC
State: WA

Complaint narrative:
I applied for a loan with said payday loan company. It was my clear understanding that the application was to be processed and if approved, I would have to sign to the agreement after all information on the application was verified and then the loan would be sent to my bank account. After receiving notice that I was approved, I was concerned about the amount I needed to pay back due to the high percentage rate - {$300.00} loan with repaying the loan in full turns out to be over {$1000.00} total. I decided that I would pay the loan back in 3 payments so that I wouldn't have to take on the high-interest rate. This decision was made after repeated phone calls and emails from Arrowhead Advance and an early morning phone call at XXXX! I called the company at approximately XXXX XXXX and spoke with a representative in the loan dept who explained to me the interest rate and then he verified my application in advance so that when I went online to sign the agreement, I would just call back and to let the loan dept know that the agreement was signed and I would receive my funds. In addition to the information on the application, the rep. also took my credit card info that was linked to my bank account. I received a confirmation ID # XXXX and the amount that I was to receive and when the first payment would be due. Then I received an email that the loan was denied! To my unpleasant surprise when I called back as instructed, I was denied which raised a red flag. I was told that the underwriting dept made the decision. and from my experience underwriting makes the decision once the application is submitted and a decision is made as to an approval or denial of the loan and not the other way around. They convinced me that the loan was approved and signing the agreement with all infomation being verified, I would receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
I deposited a payroll check for {$1100.00} on XX/XX/XXXX. I deposited it before their deadline of XXXX XXXX, and then, later on, that evening they said my check was subjected to a five business day hold. I asked for more details on the hold and advised them that this is a hardship and unexpected, and they ignored my multiple messages. I reached out to their XXXX account and they sent me a generic message. I would like to know why they decided to arbitrarily hold my check for clearance from my job which is the 5th largest XXXX XXXX   XXXX   in the United States and has revenue in the billions. I understand if it was a personal check. They seemed like they did not care about my concerns. I couldn't buy food, pay bills ( EVEN MY IRS BILL ), or pay for gas for my 2 hour round trip commute. I decided to leave XXXX XXXX  for this bank and I regret this decision. As someone that suffers from a mental illness of XXXX  from a lack of response, I wouldn't even advise opening an account here to my worst enemy. 

There is no reason why Simple had to escalate my case for a simple question, nor it is professional for Simple to ignore my concerns on XXXX. I would like compensation for my suffering and experience. I also think that they are in violation of the Expedited Availability Funds Act of XXXX for not even allowing me to have at {$200.00} of my check. I earned that money with my hard labor, and not Simple, so holding it hostage is unacceptable. I also saw similar complaints from other Simple users on XXXX and XXXX with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: PNC Bank N.A.
State: MI

Complaint narrative:
My complaint is against PNC bank account # XXXX status open with {$0.00} balance. I have been trying to dispute a late payment back in XXXX of 2018 that should not be there at all because I was never late and havent been late ever with PNC. I have years making business with the mentioned company and I was a satisfied costumer until I found out about this negative mark on my report. Therefore, I decided to dispute this information with PNC but when you try disputing anything with them they make it so hard to do so. They want the dispute to be internal with, a clear violation of FCRA. Not like other creditors that have a fax number or an address to send your dispute and start with an investigation as required by the FAIR CREDIT REPORTING ACT. So that is why I had to proceed through Consumer Financial Protection Bureau. Back in XXXX of 2018 I made the online payment through their online system indicated that everything was ok and me thinking that the payment went through. I received no notice of any kind that I was going to be reported as late. Not even a phone call so I could make the payment. This is negligence, unfair business practice, breach of contract and the list of violation can continue if I decide to take this case to a judge. Please PNC be reasonable with a loyal client of yours and correct that error and we can continue making business. I would appreciate a deletion letter through CFPB so I can present to my mortgage company. I have a {$500000.00} home loan pending because if this error. Im attaching a bank statement from XXXX of last year, to prove it was not a money factor or even less that did not want to pay PNC. Thank you!

Company response to consumer: Closed with explanation