vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I opened online banking and noticed PayPal was ripping off my money {$14.00} bucks here {$8.00} There and did this several times. I'm working with my credit union to get my money back but can only go back 90 days. And there is money stolen before 90 days. When I asked PayPal for help in the resolution center, they brushed me of with some AI program. All responses started with we know how you fell ... But all acted like it's my fault verify your account. They stole my money. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Granite Edvance Corporation
State: NJ

Complaint narrative:
don't ever use granite state management promised if I consolidated my debt they'd remove my late payments from my credit report and have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I purchased my car from XXXX XX/XX/XXXX. SantanderUSA purchased the loan and my payments are {$290.00}. In XXXX our home was sold in a foreclosure scam, after I attempted a loan modification due to my husband suffering a XXXX 2 weeks into his recovery from XXXXXXXX XXXX XXXXXXXX. My husband became XXXX  XXXX and XXXX XXXX. When we became XXXX I spoke to a representative in XX/XX/XXXX, and she assured me, even though we are a month behind, they would not repossess the car. I have been calling and messaging them about changing my payment date from the XXXX, since I am a XXXX on Social Security and get paid on the XXXX. They said I already requested a change of my payment date on XX/XX/XXXX, which is the date I called the representative to inform her we were XXXX, so they said you can only change the payment date once during the loan. Today, I called again ( XX/XX/XXXX ) after I got a letter from SantanderUSA stating Notice of right to cure default and requirement of strict compliance. This is the only letter I have ever received from SantanderUSA, since I purchased the car. They demanded {$420.00} by XX/XX/XXXX and I tried to explain, that I do not get paid till the XXXX, plus I can barely scrape up the {$290.00}. She told me I needed to come up with {$74.00} today, but I tried to explain, that I only have {$20.00} in my account till the XXXX. She then told me they would repossess the car if they were not paid by the XXXX of XXXX. I called another number today, that I got off a Consumer Website, but after I explained my situation, he hung up on me. I have never had any issues with Santander USA until the XXXX XXXX bought them out, in fact they have always been kind and helpful. We do not even have Medical Insurance, because we can not afford the Medicare premiums. We are at poverty level, but do not qualify for extra help. I have even filled out a loan deferment with the company today. They sent me a document to fill out, but they will only defer the payment till XX/XX/XXXX. I have also, tried to refinance the car, but they say they no longer are doing refinancing. The representative, XXXX asked if I could borrow money from anyone to pay the amount. I replied, I have no one to borrow money from at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: NY

Complaint narrative:
After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 and XX/XX/XXXX I wrote Experian they failed to reply within 45 days to verify these inaccurate accounts. Please delete and block these negative accounts from my credit report, they are causing serious harm.

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 2020-08-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Contacted family member at place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$580.00} XXXX  XXXX {$490.00} XXXX  XXXX {$400.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$1500.00} XXXX XXXXXXXX {$830.00} XXXX XXXX {$760.00} XXXX XXXX {$720.00}

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 2020-08-18 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$580.00} XXXX  XXXX {$490.00} XXXX XXXXXXXX {$400.00} XXXX  XXXX XXXX {$480.00} XXXX XXXXXXXX {$1500.00} XXXX XXXXXXXX {$830.00} XXXX  XXXX {$760.00} XXXX XXXXXXXX {$720.00}

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 2020-08-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
To Whom It May Concern, I made my mortgage payments on time to my mortgage lender, M & T Bank. My note provides that my mortgage account is escrowed. As a result, M & T Bank is responsible for paying the insurance directly to my insurance company, XXXX. My insurance renewal date was XX/XX/XXXX. M & T failed to make said payment timely and remitted payment to XXXX on XX/XX/XXXX. XXXX cancelled my policy on XX/XX/XXXX and returned the late payment to M & T once they received it. I was not notified of this as XXXX XXXX   correspondence went directly to M & T Bank. M & T Bank did not notify me either. I continued making my mortgage payments and was notified by M & T Bank on XX/XX/XXXX that my insurance policy had been cancelled. This was 9 months later. During this 9 month period, there were no indications on my statement that there was an issue with insurance. I contacted XXXX XXXX immediately and paid out of pocket to renew my policy until I sorted the bank 's mistake out. I spent countless hours on the phone with representatives and they ignored my concerns telling me that I needed to make a payment of {$4700.00} to retroactively pay for forced place insurance for coverage from XX/XX/XXXX-XX/XX/XXXX. I wrote a letter to the company on XX/XX/XXXX and they ended up during an investigation. They determined that they did not notify me of their late payment and the cancellation of my insurance policy as a result of their negligence. However, they are still demanding I pay for insurance during the XX/XX/XXXX-XX/XX/XXXX period even though they did not seek force place insurance and the time lapsed without any coverage.Additionally, none of my statements during this 9 month period itemized forced place insurance. Once the issue came to light, M & T bank is trying to retroactively charge forced place insurance on my account. They even issued a declaration page on XX/XX/XXXX stating that XXXX XXXX XXXX XXXX insurance was on the account with no verification in any documents prior that this was the case. Contrary to that, they indicated on XXXX XXXX that they would have to put forced place insurance on my account if I didn't obtain hazard insurance. This was the first letter sent to me alerting me that something was wrong. M & T Bank is attempting to make me financially responsible for their error. I need the help of CFPB to get justice.

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 2020-08-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I applied for a reverse mortgage and the process seemed to be going very well, until the appraiser came out to appraise my manufactured home. I have my home and I also have a mobile on my property that I rent and I rent a lot space for another person to keep their mobile home here. I had disclosed this information to the lender at the time I applied for this loan and was told there would be no issues. 
I have received a letter informing me that my application was declined and the reason simply says that I was declined because ( property does not meet minimum FHA standards ) I don't know what issue or issues caused the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: AR

Complaint narrative:
Hired XXXX firm on XX/XX/XXXX of 2020, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, XXXX, XXXX  and transunion. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : XXXX XXXX XXXX. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and XXXX XXXX XXXX  XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.

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 2020-08-18 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: AR

Complaint narrative:
Hired XXXX firm on XX/XX/XXXX of XXXX, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, XXXX, equifax and XXXX. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : XXXX XXXX XXXX. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and XXXX XXXX XXXX  XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Hired XXXX firm on XX/XX/XXXX of XXXX, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, Experian, XXXX  and XXXX. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : XXXX XXXX XXXX. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and XXXX XXXX XXXX XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
I opened my Free Checking and savings account online on XX/XX/2020 under an offer to receive {$300.00} after completing the following steps : " Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account '' There was no place to enter a promotional code or any other indication that I would not receive the bonus as promised. 

I made the 10 debit card transactions and it has been 120 days since all requirements were met ( XX/XX/2020 ). The banks terms said I would receive the bonus within 120 days. I have contacted the bank and they did not respond either way about this bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 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: FL

Complaint narrative:
I have filed a dispute for an account that has inaccurate missed payments being reported. The account was suspended for alleged suspicious activity that has never been proven or verified. During the investigation period new transactions could not have been made on account as it was frozen. Therefore, the notion of late payments is radical. Furthermore, after my most recent dispute on XX/XX/2020, I noticed the late payments still reflected and that the on-time or good standing period on my account was removed. This is unfair as not only the inaccurate information remains, but the accurate information that truly represents my financial responsibility was removed. The constant inaccuracies show a lack of responsible reporting, which is required by several laws. Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) most notably.

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 2020-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a safe deposit box with the Bank of America, XXXX XXXX XXXX, XXXX  XXXX, XXXX, New Hampshire. 
Banking Center Name : XXXX XXXX, NH Its imperative for me to have access to the inormation kept in the box but upon arrival -and after checking on line that it was open- the bank is closed. I called customer services and I was told that it will take 3 business days for someone to call me and set up an appointment. 

Its totally unacceptable-even in COVID 19 time- that the bank doesnt notify customers that they are closed or provide a telephone number to set up an appointment. 

Thank you for your consideration of this issue. 

XXXX 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 2020-08-18 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I am having a problem with XXXX  removing the following statement from my account : You have too many delinquent accounts. Delinquent describes something or someone who fails to accomplish that which is required by law, duty, or contractual agreement. XXXX  is claiming that this statement is there because of PennyMac Mortgage Company. However, I have never made a late payment with PennyMac Mortgage Company since my loan was transferred to the company. They claim they investigated this matter and PennyMac claimed that this information was true. The document provided from PennyMac shows my actual payment amount in some places incorrect. All payments through PennyMac Mortgage are made online. Perhaps they are not handling business correctly on their end, but I can pull bank statements, which will refelct that all payments to PennyMac Mortgage have been made on time. There are no delinquent account so the information they are providing doesn't settled any prior disputes. XXXX  continues to find ways of keeping this comment on my credit report but have no proof of any delinquent accounts. If PennyMac Mortgage is reporting incorrect information it concerns me. In looking at the attached document, it has my actual payment incorrect. I pay {$720.00} per month in mortgage fees. My monthly statements may increase because of insurance and prperty taxes sometimes but it will never change if taxes and insurance do not go up. I have no late payments with PennyMac nor any previous mortgage company. My lmortgage has always been paid before the 15 day grace period. My account is not delinquent and never has been. My credit report reflects no late payments with PennyMac Loan Sevices for 4 years, 1mt. Please see attachments. I am sending this to all three credit reporting agencies because I am sure they reflect the same information, which is incorrect information. I will not give up until these statement is removed from my account. I have no ( 0 ) delinquent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I recently sent letters over 60 days ago to these bureaus and they are disregarding the regular consumer disputes. I have been sending letters before this and still no respones.

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 2020-08-18 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: DISCOVER BANK
State: VA

Complaint narrative:
In XX/XX/2020 I disputed an error on my credit report with all of XXXX, XXXX  and XXXX  in regards to a Discover account showing in collections and at times as a open account on my credit file. On XX/XX/XXXX XXXX  and/or Discover confirmed this was an error and removed the account completely. I assumed this would follow suit with the other bureaus and did not look much into it until now. The Discover account is still reporting open and changing sometimes to a closed collection account massively affecting my XXXX  and XXXX  scores ( over 100 points! ). Although I have disputed with the bureaus I am unsure if this is an error made by Discover or an error made by the bureaus. I have attached screenshots from XXXX XXXX, XXXX and XXXX all confirming removals and inaccuracies. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please be aware when receiving a pre-qualification email from this company " XXXX '' ( with no hard credit inquiry ) that once you get thru the pre-qualification information, they sneak in hidden language that they will pull a hard credit inquiry against your credit report. They did this to me and caused my FICO credit score to drop by 9 points immediately. Their interest rate/APR was so much higher than the existing loans I wanted to consolidate that I would have never went with this company or agreed to a hard credit pull. Just be leery when filling out their " pre-qualifying '' form or better yet, don't use them at all if you don't want to see your FICO credit score drop drastically. I am posting this to warn other potential users, as I've already tried to dispute with this " XXXX '' and at first they tried to blame it on XXXX XXXX as they were apparently the company who provided " XXXX '' with my personal information. 

I have attached the initial email from " XXXX '' luring me into this, clearly stating that this will not affect your 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