vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 2 hard inquiries on my Equifax  XXXX XXXX report from XXXX   XXXX, XXXX XXXX the 1st on XX/XX/XXXX and 2nd XX/XX/XXXX I did NOT authorize these and Ive tried everything to get their customer service on the phone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have exhausted all options on trying to reach someone regarding an extremely heart breaking closure of both my checking ( ending in XXXX ) and savings account ( ending in XXXX ) on XX/XX/XXXX XXXX.I am a single mother in the middle of the pandemic only receiving social security and child support as consistent deposits. I have been a loyal Ally customer for years and not sure why I have been blindsided with this decision. I haven't violated any policies as I was told when speaking to several representatives, however both my checking and savings are closed as well as me being told I can't apply for another account with Ally because they severed their banking relationship with me. 

I don't work, have no car and 2 young children. I have been saving that money for a while to get us a home. my CD account with Ally seems to still be open so I am confused as how it's okay to continue to keep my CD in place but sever the relationship with me regarding my checking and savings account. Being on XXXX, all of my bills are paid directly through this account. 

The only notice I was given was an email minutes before it was already closed anyway instead of being able to communicate and figure out if there was a real reason why I am not able to no longer bank with Ally. I do not own any businesses nor do I make any business transactions other than actually buying from and purchasing items as any normal mom would. 

I am not able to access my money for weeks including using the ATM as I was told an entire check for the amount that was left which is totaling more than {$11000.00} was already sent out originally on XX/XX/2020 ( but wasn't actually reported to have been mailed until XX/XX/2020 ) As it was also the Independence Day holiday weekend, I was not be able to cash or use the money from my account while being in a pandemic with my children. I have been saving for so long to get us a house someday. 

I have contacted several representatives from Ally bank who have tired to investigate an actual reason for my account closures and they, as well as supervisors, have stated there is actually no real reason given and no violations I have made. I decided to apply again to open up a checking and savings account with Ally on XX/XX/2020 and was approved for both! Immediately I was told the next day, XX/XX/2020 when inquiring about when my new debit card would arrive, that I am not allowed to be issued a card and that this NEW savings and checking account may be closed as well! This has been a nightmare and I need help for what has happened 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 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
In XXXX I responded to an offer for a 0 % promotional rate for a balance transfer for one year. Payments were set up to be automatically withdrawn at the minimum payment rate. Balances from two other cards were transferred on XX/XX/2019 in the amount of {$15000.00} and I was charged a balance transfer fee of {$470.00}. The first automatic payment was incorrect and Citibank attempted to collect the full amount of the transfer. I contacted Citibank about the issue and they indicated that it was resolved and the account was set up to withdraw the minimum payments. I saw the payments coming out and thought things were all set. I recently did a review of my account and noted that I was being charge interest on the balance. I called Citibank today to question the interest charges and they reversed their earlier position and indicated since there was an initial issue with first payment that I was no longer entitled to the promotional rate. Note that at the time of the transfer there was a XXXX balance on the account and no other charges have been made.

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 2020-07-08 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I have been using the app XXXX for a long time now. For the past couple of weeks/month my PNC account hasnt been able to link to the app. It stated that PNC is blocking the ability to link accounts. Im not sure why when my credentials where verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: VA

Complaint narrative:
I have a 2nd mortgage with PNC as a line of credit. I wanted to refinance my 1st mortgage while keeping the 2nd as is. That requires a subordination agreement from PNC. 
On XX/XX/XXXX we requested the subordination agreement from PNC and submitted all required documents On XX/XX/2020, After several attempts to get an update on our request, PNC requested an updated title commitment since the one we submitted expired. 
On XX/XX/2020, we received another request from PNC to update form XXXX and adjust by {$0.00}. 
On XX/XX/2020, we received a request to update the payoff statement, Investor approval since the documents we submitted originally have expired. 
I communicated my concerns with PNC and the case number with them is XXXX. 
The process is taking so long that I already lost the locked rate for the refinance. In addition, in about two weeks, the my home appraisal I did to get the refinance rate will expire and I will have to pay {$450.00} to redo the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In XX/XX/2020, I sent a dispute letter to Navy Federal CU requesting that they verify debts that are being reported to the credit bureaus ; a total of 5 accounts being reported. I included my social security card and driver 's license. The requested items included : A summary of all account activities Copies of documents and financial instruments used to pay the disputed items Copies of all promissory notes and other documents to prove indebtedness I received a response back from NFCU, on XX/XX/2020, that they needed my access number to verify the accounts. However, my access number was printed on their response letter sent to me, so they obviously knew who I was and was able to pull my information based on the identification documents provided. 

While disputing these accounts with the credit bureaus, I sent an follow-up letter, on XX/XX/2020, with all account numbers that were being reported to the bureaus, and asked for the same verification documents ; which is my right under the FCRA and Title 15, Section 1666 of the US Code. My response letter stated that if they could not provide the documents within 30 days required by law, then they should proceed to delete records from my consumer reports. During the dispute with the credit bureaus and NFCU, NFCU continued to report this debt and even updated the account numbers that were reporting on my credit file. 

The response to me from the Consumer Loan Services Supervisor, of NFCU, on XX/XX/2020, was that they have investigated my claim and the debt is accurate. None of the requested items were provided that are required under law, and til this day NFCU continues to report the updated 4 accounts to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
A collection agency called me told me i owed this debt didn't tell me any information except that it was a hospital bill. Got scared and started paying. Learned that they were supposed to send me a letter if i asked and tell me i could dispute, which they never did. Asked the man for a letter. He yelled at me saying if i wanted more information I could ask the hospital. Continued to call frequently. I called and got a supervisor told them what happened. Now i get automated calls at XXXX XXXX every weekday. Constantly from different numbers so i can't block them. The company name is 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 2020-07-08 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to this pandemic COVID-19 the world is facing my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 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 — Was not notified of investigation status or results
Company: MAJR Financial Corp
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to this pandemic COVID-19 the world is facing my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to this pandemic COVID-19 the world is facing my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
This problem involves Navient and the issue of reapplying for my income-driven repayment plan. 

Navient divides my Federal student loans into two buckets : those owned by the US Dept of Education, and those owned by Navient. But I am only supposed to have to complete one reapplication for my IDR repayment plan each year. 

This year, I completed my application in XX/XX/XXXX, many months before either set of loans was scheduled to come out of IDR. My  application was approved. However, Navient only processed it for my US Dept of Education loans, not my loans owned by Navient. As a consequence, inXX/XX/XXXX, I was given notice that I was no longer in the IDR and that my payment was about to increase by a very large amount ( the amount of the standard repayment plan ). Coming out of the IDR also resulted in them capitalizing my accrued interest, which amounted to about {$10000.00}. 

I was able to call Navient and explain that they failed to process my IDR application, and they corrected that error and put me back in the IDR. HOWEVER, they did NOT remove the {$10000.00} in capitalized interest. 
To summarize, Navient failed to process my IDR application correctly, charged me what amounts to a penalty of {$10000.00} because of their mistake, and then failed to remove that penalty when they realized and corrected their mistake. 

I have asked them to correct this, and they might, but it alarms me that it was only because I was closely monitoring my online account that I was able to see that they capitalized my interest. I am worried about who else they may have done this to and am worried that others might not even be aware that they have been improperly penalized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 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

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 2020-07-08 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

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 2020-07-08 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: CA

Complaint narrative:
I disputed and requested to delete or update inaccurate reporting information from Experian on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 on XXXX acct. ending XXXX, XXXX XXXX XXXX acct. ending XXXX, and XXXX XXXX acct. ending XXXX, with the below statement so that I can verify whether Experian reports are accurate. 

" What does not make sense is the creditors provide all information to all 3 bureaus, but why your reports are different than others. I need to see paperwork or documents that are accurate including details that go over the exact methods and procedures used during your independent investigation, instead of what the creditors say. Unless you can verify the above accounts independently, please delete or update them immediately and mail me your updated reports. '' But Experian replied with their reports on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 stating the creditors provided information was accurate without providing to me any supporting documents that Experian did in fact verified independently. 

I also attached ID and bank statement so Experian can verify that I directly submit and authorized this complaint against Experian.

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 2020-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My husband ( an active XXXX ) and I applied for a refinance with Mr Cooper mortgage services on XX/XX/XXXX. They already have our existing VA loan and we requested a streamline IRRRL with an expiration date of XX/XX/XXXX. At the time the rates were very good and we were reassured that they will take care of our loan so we turned down multiple other offers. We have not needed to change anything on our end, not the POA or home insurance or anything that was reviewed multiple times by Mr Cooper during this process. The only change since initial application is that my husband 's credit score has increased 100 points many months ago. I feel like we are being deceived by Mr Cooper. They keep extending the rate lock of 2.75 percent over and over again. The most questionable thing that keeps happening is the loan processor XXXX XXXX calls me on the phone to tell me not to pay the mortgage as we are about to close and it may hold up the process. In XXXX she told me not to pay for XXXX and I told her via phone conversation that I was uncomfortable with that and went ahead and paid. It seems I did the right thing because the refi still has not closed as of today XX/XX/XXXX. She told me to delay in XXXX for the XXXX payment as well which I did and I think they charged me a penalty. She again told me this month I did not have to pay as the refi will definitively close as of XX/XX/XXXX. I repeatedly called and emailed both her and her management all last week to respond on the status of the loan without answer before finally paying yesterday. So are they trying to incur penalty fees or find a way to not process our loan by misleading us or both? They won't tell me why the excessive delays on what is suppose to be the easiest loan to process even though I have asked many times. My phone calls and emails generally go unanswered which is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect Inc put a balance of {$2400.00} owed to an apartment back on my credit after they put the account as discharged included in bankruptcy back in 2019. I contacted procollect and the rep said it was not included in bankruptcy when in fact it was. I verified this through my final petition and discharge paperwork. They have refused to remove this debt and now I have to take other actions to get it removed

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 2020-07-08 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On or about XX/XX/2020, a scammer used a Chase credit card in my name at a number of retailers in the XXXX, Michigan area. I live in XXXX XXXX, MI, 75 miles away and have been in Quarintine at my home since XX/XX/2020. I was able to retrieve receipts from XXXX via telephone and email that shows the largest purchase was done by a XXXX XXXX for {$6300.00}. JP Morgan Chase has refused to honor my complaint or properly investigate my dispute and have thereby left the charges on my card causing potential financial harm to me. They actually downright declined my claim without having properly investigated the charges. I never received the card and have been a repeated victim of id theft and fraud due to a number of data breaches including XXXX  and XXXX. I have ID Theft protection but this has somehow gotten past them as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$140000.00} XXXX   XXXX {$15000.00} XXXX  XXXX {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT REPORTING ON MY CREDIT FILE. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT HAVE ANY CONNECTION WITH ANY ACCOUNTS THAT I HAVE OPENED PREVIOUSLY. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT AN INVESTIGATION TAKES PLACE SO THAT THIS ACCOUNT CAN BE REMOVED FROM MY CREDIT FILE. THE ACCOUNT DOES NOT BELONG 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