vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT NUMEROUS TIMES TO THE BUREAUS BUT I AM NOT SURE WHY THEY ARE IGNORING MY REQUESTS. WHY DO THEY OFFER THE OPTION OF COMPLAIN AND REPORT IDENTITY THEFT WHEN THEY WILL NOT HONOR ANY DOCUMENTS OR REQUEST. JUST BECAUSE SOMEONE STOLE MY IDENTITY NOW I HAVE TO PAY THE PRICE FOR YEARS. HOW FAIR IS THAT TO ME AS A VICTIM.

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 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: HI

Complaint narrative:
I have received repeated calls from Allied Interstate, XXXX XXXX XXXX XXXX, since 2019.

These are the most current calls I have received : XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; I have registered on the Do Not Call List since 2004. My local phone company is unable to block these unwanted incoming calls. I do not answer these calls, but have been ignoring it. Online research has indicated that this company may be a debt collection agency. 

Although, we have ordinary bills such as a mortgage, monthly credit card payments, utilities, taxes, my spouse and I are not in arrears with any businesses or persons. We have no reason for these harassing phone calls because all our bills are paid on time! 

Please advise how to best stop these harassing phone calls, short of changing our land line phone number. 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 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2020 I was told by my mortgage lender, PNC Bank, they were having trouble finalizing the appraisal on the home I was purchasing. I paid {$540.00} for the appraisal on XX/XX/2020. The lender, in the XX/XX/XXXX phone call and follow-up conversations said the third-party appraiser - hired by PNC Bank - made an error in their report and could not finalize said report. 

Our closing date was scheduled for XX/XX/2020. Because of this error - outside of my control - the closing was pushed back to XX/XX/2020. 

In the interest of timeliness, my wife and I agreed to sign a form waiving our right to receive the appraisal any sooner than 3 days prior to closing. The form indicated, however, we would receive the report before closing. We closed on the home yesterday and still - on XX/XX/2020 - do not have the appraisal report in hand. PNC Bank has refused to cooperate and send me a copy of the form I signed or the appraisal in a timely manner. 

As PNC 's errors regarding the appraisal have already cost me time, money, and frustration ; AND I still have not received a report I paid for within a timely manner as agreed upon in writing - I am requesting a full refund of my costs paid to PNC Bank for the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Called middle of XXXX about a {$4.00} charge that showed up on our credit report. After an hour, no one at Ally could tell us what it was for or how we could pay it. 

Two weeks later, received a call that our lease was up on XXXX XXXX. We received no letter, no one said anything when we called earlier. We called to tell them we wanted to purchase the car. Two hours later, after they sent us to their loan department, we finally got off the phone. They said theyd call back the next day. 

No one called. Concerned I called them. They said everything was fine and for us to wait to hear back on the loan. 

Finally yesterday after no hearing back from anyone, I called them. Two hours later, still no one could help me. Said theyd call me back. No one did. 

We get a call this morning saying they want to know the location of the car to repossess it. Called the number left six messages, no one called back. Called another number, was on the phone for two hours. Finally they suggested we go immediately to a dealership to get a loan. 

Went to dealership. It took them over an hour on the phone to get someone to give the buyout amount. This amount was different from any of the three different amounts we were given. 

Because of the huge hassle, we decided to take the money out of stocks and pay them. Called back to get the address. The entire department was in a meeting. Called another number, after 30 minutes, no address. Called another number, finally got someone in the escalating department. She gave me the address. 

It was six hours today of nonstop calling, being put on hold, going to dealership, hold again, etc. 

It was a terrible experience. I got the name of two managers who were suppose to call me back but never did. By the end of it, I thought my husband or myself were going to have a 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 2020-02-05 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
my students loans total balance : close to XXXX ... and now it has increased to XXXX my student loan but i graduated in XX/XX/2007 and there is no way my loans can jump from XXXX to XXXX this is impossible i was told that my student loans would be consolidated into one my lenders were XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: TX

Complaint narrative:
I filed Chapter XXXX on XX/XX/XXXX & it was discharged on XX/XX/XXXX. I have disputed this error with the company XXXX XXXX, which states they are reporting it correctly and with Transunion on multiple occasions. This account is clearly included in my bankruptcy and Transunion has received my discharge order ( through the dispute process ) on multiple occasions since the beginning of XX/XX/XXXX. Yet, they continue to send me the standard 'remains as is, accurate ' response. 

On my XXXX  and XXXX  credit reports, this account is reporting correctly as included in my chapter XXXX. On the Transunion report, it reflects as charged off and sold to another lender aka delinquent. While that may have occurred, it was still included in my discharge order and should reflect as such. Most of the other accounts were charged off, sold, and the like and I see no reason why this should be any different. I am more than happy to provide proof of all stated.

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 2020-02-05 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: GA

Complaint narrative:
I am writing this due to non-compliance with the CRA ( TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I disputed some accounts on my TransUnion credit report that are inaccurate and inconsistent. The company came back and said that the accounts are accurate. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. The report file number 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 2020-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
WE GOT A DELINQUENT TAX NOTICE I CALLED AND WAS TOLD IT WOULD BE PAIED THAT DAY XX/XX/2020. I CALLED THE TAX OFFICE IT HASNT BEEN PAIED I FILED A XXXX   COMPLANT I GOT A CLL FROM XXXX AT PINNY MAC SHE SAID SHE WOULD LOOK IN TO IT I CALLED TAX OFFICE AGAIN NO PAYMENT SO I WAITED TILL TODAY CALLED PINNY MAC TALKED WITH XXXX got no answers she transferred me to XXXX she had no answers told me again she would look into it pinny mac is going to wait till we loos our home we pay escrow we can not come up with a extra XXXX dollars when they are supose to pay it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
On XX/XX/2020, I wrote a letter to Ability Recovery Services asking them to validate the debt they say that I owe. I sent a certified letter to them and it was received and left with an individual on XX/XX/2020 per the USPS tracking. They responded and sent back verification which is not what I requested. Per the FCRA, I have a right to request VALIDATION, which is documents that bear my signature binding me to the debt they say I owe. They never sent anything bearing my signature. Per FCRA, they must do this within 30 days or the item must be completely removed from all reporting bureaus. 

Please see my attached letter asking them to VALIDATE not VERIFY. Again, validation bearing my signature was never received. I have a right to have this negative item deleted from all my reports and I am requesting that this be removed ASAP as the law allows 30 days for removal. 

In addition, if you are a collection agency, you have to be licensed in the state where the debt incurred to even be able to collect funds from someone. Per XXXX, Ability Recovery Services , LLC is not licensed in the state of IL to collect on debts. 

These are two ( 2 ) reasons that I am asking this debt ( and anything associated with this company ) to be completely removed from all credit reporting agencies asap. 

Failure to do so will result in me exercising my legal right to pursue action against them.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
please remove accounts which are not belong to me or any transactions made by me. 
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-02-05 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: BB&T CORPORATION
State: FL

Complaint narrative:
My account was reported 30 days late I was twice I have never been late with my auto account I have reach out to bb & t many times submitting my reference # exc showing that it was an inaccurate reporting they was suppose to rectify the error which it still shows and its preventing me from closing out a deal.

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 2020-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Manhattan Beach Venture, LLC
State: MO

Complaint narrative:
Debt was transferred

Company response to consumer: Untimely response
Consumer complaint received 2020-02-05 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: FL

Complaint narrative:
Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Two of my XXXX XXXX credit card accounts are not reporting on Equifax. They were reporting until XXXX of XXXX  and then they were not on their anymore. I have wrote a letter to XXXX XXXX and Equifax saying these accounts were not showing. I also sent in bank statements to both of them. 

Equifax sent me a letter back saying " The results of the investigation were the disputed items are not reporting on the Equifax credit file. '' But that was the whole point of sending the letter to inform them of that it wasn't. So they clearly did not read the letter or look at the bank statements. 

I called them to tell them about this issue and they told me to wait because they are still investigating. That was in XX/XX/2019 and still haven't responded. I tried to call this afternoon ( XX/XX/2019 ) and was repeatedly disconnected through their automated system. 

I also called XXXX XXXX and said it is on the Equifax because they are doing their part on their end. I also have a letter from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
My claim was denied I been trying to get a reason why but nobody give me a reason. I been trying to reach the person who denied the claim for 3 weeks calling everyday and leaving voice masseage but she never called back to me. Her phone number is XXXX. This is U.S Bank.I been denied 2 times, the first time the employee on the phone put a wrong information in the system ( different information that I gave her ) and opened the claim as dispute when that was fraud claim. Then the bank charged me 4 overdraft fees and my account been like for more than 60 days because the people in the fraud department don't have any idea of how to handle this situation and I get transfer and transfer between departments.

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 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thrivepoint Financial Holdings, Inc.
State: MO

Complaint narrative:
I'm recently financing 16 solar panels through Renovate America. 
According to their records they have me financing 20 solar panels. 

I only have 16 on my roof. 
I've asked for someone to come out and give an inspection, but the only response is we'll call you back. Its been 3 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I know my security freeze pin ; but I cant get in touch with experian! My calls are being rerouted. Please help me Ive been trying to get this straight for 4 months now

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 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I needed to open a bank account in preparation for an XXXX   child. 
I received an email or targeted ad from Wells Fargo that advertised a welcome bonus after certain deposit requirements. 

I visited a branch to open an account and mentioned that I selected Wells Fargo because of the advertised promotion. They asked me if I was a new customer. I told them that I once had an account in the past but did not remember when. The banker looked me up in the system and I clarified that I would be eligible. I made the deposit requirements ( XXXX x 3 ) but did not receive the bonus, well after the time I should have. 

I called Wells Fargo about the matter and they told me they would investigate. I later received a letter saying I was ineligible for the bonus because I had an account in the past. I then received a phone call from the banker who opened the account to the same effect. I asked her why she didn't tell me I was ineligible when I mentioned why I selected the bank and clarified the terms. She told me that when she looked me up in the system at the time of account opening, no information contrary to the terms of the promotion was presented to her. The dates and conditions of my previous account with them was a relevant matter and if Wells Fargo had access to that information when they want to send me a letter, they also have access to the information when I want to clarify whether I am eligible to a promotion they solicited me. 

A flaw in the Wells Fargo computer system caused the banker to assure me I was eligible, fooling me into making the account and depositing the funds.

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 2020-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
Sent Cease & Desist letter to company in XXXX including a dispute. I have also disputed this via XXXX  early XX/XX/2020. This was covered by XXXX XXXX and I was never billed for this amount by XXXX XXXX. Now I have a derogatory mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: GA

Complaint narrative:
I filed a Chapter XXXX bankruptcy. This bankruptcy was discharged on XX/XX/2019. For some reason, Transunion refuses to update my bankruptcy to the correct status of discharged It shows as filed. As long as it is filed, creditors see that I have an open bankruptcy. I have disputed this item twice with Transunion to no avail. For a period, my case correctly showed as discharged. However, the status of the case went back to showing filed. This was updated within days with XXXX  and XXXX   and I didn't have to do a single dispute with them.

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 2020-02-05 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: FL

Complaint narrative:
My account was reported 30 days late I was twice I have never been late with my auto account I have reach out to XXXX XXXX XXXX  many times submitting my reference # exc showing that it was an inaccurate reporting they was suppose to rectify the error which it still shows and its preventing me from closing out a deal.

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 2020-02-05 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: TN

Complaint narrative:
contacted credit bureau and let them know that I had got an email stating my information was once again involved in a breach and I had multiple UNKNOWN & UNAUTHORIZED inquiries on my credit report and I needed them removed. I was transferred to 3 different representatives and the call dropped. I called back the next day and was told there was nothing they could help me with!! They are as follows : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  FOUR TIMES ON XX/XX/XXXX, XXXX, XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation