vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I was behind in my payments, I called and got the amount due. Made the full payment in XX/XX/XXXX and brought it up to date, so I thought. I called in XX/XX/XXXX to see if I had a payment due. I was told no payment was due. In XXXX, I made two payments for XXXX and XXXX and was then told I had a late fee from XXXX, This company charged me XXXX for the appraisal fee for two months when the account was up to date. This company charges a XXXX appraisal fee when you're late with your payment, but for that month I was not late. When I asked, I was told that they dot pick the time that the company goes out and do the appraisal. I was told that they did one in XXXX but I paid up in XXXX. The work said I paid at the end of XXXX and the company had already went out. The fee was for XXXX and XXXX, which again makes no sense. Now that I went in a forbearance for the hardship that I experience for the Corvid 19. I again asked that that fee be removed. I also trying to get the missed payment added to the end of my loan, but they are saying that for Va loans that not an option. I don't believe that our government will not help their veterans. I

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 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
I called First Merchants to close my checking account because I do not want to pay the monthly fee anymore. The representative told me I had to go into a branch to close the account, but I am not able to do this because I work during the day ( not to mention the risk of spreading the coronavirus ). This does not seem like a fair business practice at all to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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:
I noticed false reports on my credit history that are not to any of my knowledge and have not consented to any of the negative reports affecting my credit. Please review and remove all unauthorized false reports from my credit report as soon as possible. 
Accounts Affected

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 2020-07-10 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 noticed false reports on my credit history that are not to any of my knowledge and have not consented to any of the negative reports affecting my credit. Please review and remove all unauthorized false reports from my credit report as soon as possible. 
Accounts Affected

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 2020-07-10 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN ACCOUNT AND FEW INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT BELONG ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF 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 2020-07-10 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN ACCOUNT AND FEW INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY XXXXEDIT SCORE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT BELONG ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF 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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was part of a lawsuit against Capital One for there criminal conduct in regards to repossessions. they where to remove the delinquent status of the loan and repair the damage that resulted from " default '' status of the loan. The defaulted status has been removed but they also removed everything from my credit record meaning my credit score is now non existent which creates a problem when applying for loans. when i look on credit services such as XXXX XXXX they show some credit but when a company searches my history is does not " exist ''. I need to find out why my credit history was completely wiped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have been attempting to transfer my funds from a debit card from my uc account. I know how much is in the account but the Visa card co. won't allow me to do it. Also l have been trying to call there customer service and l have been on hold for one hour and 35 minutes and l am still on hold. The debit card is a visa debit card from us bank reliacard.

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 2020-07-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA reported a 30-day late payment on my credit report for XX/XX/2020. I signed an Extension Agreement for XX/XX/2020 & XX/XX/2020. This late mark must be removed. 

My dispute with the credit bureaus resulted in Santander successfully deleting the late payment from my report. That's the only late mark. However, Santander took the time to add it back. 

I pay higher than the minimum. My payment history is PERFECT.  Seems as if Santander doesn't care we are in a global pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CarMax, Inc.
State: AZ

Complaint narrative:
On XX/XX/2020, I applied for a vehicle with CarMax and was approved during the initial process, CarMax had contacted me on XX/XX/2020 to discuss the vehicle with me. I provided all proof they needed ( residence, income, and driver 's license ). They claimed I was approved for a loan through XXXX XXXX, which I found out through letter and by calling that they did NOT approve me for loan. At the time CarMax ran my credit for three days in a row with the same companies which kept tagging my credit score, they pulled out of the deal on Tuesday saying my proof of residence wasn't good enough and then later admitted to selling the car that was suppose to be on hold. I attempted to contact corporate with no return calls and emails completely ignored. I contacted XXXX XXXX ( the sales person ) back and she refused to respond and ignored all further contact. 

I don't feel it was right that my credit was pulled for three days in a row after being told I was approved, the creditor XXXX XXXX said that approved me actually never approved me, this is a form of yoyo financing in my eyes. Some action needs to be taken, the company doesn't even have the decency to apologize and blamed me for their mistake. I ended up getting a newer vehicle for the same price through a lender CarMax claim denied me. This is how I found that CarMax had ran my credit through the same creditor numerous times even after being told I was approved already. Not to mention that this creditor accepted my proof of address, this was a creditor that CarMax said denied me due to not having proof of address, I provided the exact same documents to the other dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Sincerely, 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 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Unable for the load fund agency to link bank account via security method.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: FL

Complaint narrative:
I noticed unauthorized accounts opened on my credit report. Please remove and block all accounts from my credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Around XX/XX/2020 i XXXX XXXX XXXX opened a credit card account online with capital one bank and capital one approved me for a secured credit card and which i was excited to start my credit over again so at that time i sent capital one my security deposit for XXXX online then i got a letter from capital one bank on the XX/XX/2020 telling me that they need to talk to me about possibly fruad so i contacted them about their concerns and i also corporated with capital one bank giving them all the identifying information needed to get the restriction lifted twice first time they ask me for identification card pge bill and social card and i sent those to them and they confirm they received those items but them they stated to me that could not clear my id cause it was to knew and to call them back in a week i did that patiently waiting on capital one in the mist of all this iam dealing with XXXX and needing to use the card so i can get my medicine because i dont have enough cause i put the money into this account i am so XXXX  and iam asking that they please lift this and pay for my medicine that is XXXX because i should never been put threw this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Over 3 years ago I received a loan from Navy Federal Credit union to purchase some appliances. Due to some unforeseen events I defaulted on the loan. Recently I settled the account. I started applying for a mortgage and noticed Navy Federal Credit union had this account coded as a mortgage. This loan nor any loan I had with Navy was tied to a home or was secure. The loan was for appliances but no collateral was identified when getting the loan. In XX/XX/2020 I disputed this information with XXXX  and Transunion both said Navy verified the information. In XX/XX/2020 I sent Navy a letter requesting they update my credit report to reflect this loan as an installment loan not a mortgage because it was not a mortgage. I am in the process of trying to get a mortgage. My credit report has been pulled multiple times and every time I try to obtain a mortgage, I am being told that I am ineligible because of a short sale. The way Navy Federal is reporting the account it makes it looks like I settled a defaulted mortgage not a defaulted loan. This account is hindering me from obtaining a real mortgage. When I contacted Navy they provided me with a statement that said the loan was an installment loan not a mortgage but they continue to code this account as a mortgage on my credit report. Please see attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
i am attempting to link my pnc checking account to XXXX the online savings account and after going through the verification linking process by logging into my PNC account through the service Plaid, it says there are issues and to talk to your bank or file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Sincerely, 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 2020-07-10 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:
I noticed unauthorized accounts opened on my credit report. Please remove and block all accounts from my credit history!

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 2020-07-10 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 noticed unauthorized accounts opened on my credit report. Please remove and block all accounts from my credit history!

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 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I had opened a BBVA Checking and Savings account under the promotion they were offering : BBVA Compass is offering {$200.00} when you open a new qualifying checking account and receive a qualifying direct deposit of at least {$500.00}. Use promo code XXXX. 
You can also get a further {$50.00} by opening a savings bonus by opening a new savings account. The savings account balance must be {$500.00} or more on XX/XX/XXXX. 

My account was opened on XX/XX/XXXX and I had numerous direct deposits hit my account over {$500.00}. I also had over {$500.00} in the savings account and still do to this day. 

I fulfilled the requirements to recieve the bonus and I reached out to BBVA to research. They told me I didn't have a promo code attached to my account and there was nothing they can do. I believe it's on them that their system didn't apply the promotion to my account when I used to promotion link and applied the promo code to the account online upon signing up. 
Their response to my inquiry : " I reviewed your account and was unable to locate any promotional offer coded to your account. The offer required that a code be placed on the account at the time of account opening. So unfortunately we are not able to add any codes once the account is already opened. You do not qualify for this bonus at this time. '' Please file a formal complaint on my behalf for the {$250.00} owed for the promotion promised by BBVA. 

Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I filed a claim for XXXX that was taken via cashapp from my ex boyfriend who stole all my property which I filed a police report for and canceled and blocked all cards involved I provided the police report number and I have verifications of all my interactions and responses with the bank as well as my other accounts involved.I have several third party witnesses that have witnessed The Bank of America constantly discriminating and unprofessionally, negligently, and without any empathy or understanding of the situaion at hand and nothing is documented on their end.

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 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
The lady I talked to told me I had to wait for the transaction to be completed to dispute the charges that's all the money I have left till I get paid again it's an AMERICAN Express serve card from XXXX XXXX on XX/XX/2020 in the amount of {$29.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I OPENED A CITI PLAT AA CREDIT CARD ON XXXX XXXX. THE WELCOME BONUS ASKED TO SPEND XXXX IN 3 MONTHS TO GET XXXX AMERICAN AIRLINE BONUS. IN XXXX AND XXXX, I DID THE ONLINE CHAT WITH TWO DIFFERENT AGENTS WITH CITI. BOTH OF THEM TOLD ME THE DEADLINE HAS BEEN EXTENDED DUE TO THE COVID. I HAVE THE SCREENSHOT HERE. I CAN PROVIDE. TODAY WHICH IS XXXX. THEY TOLD ME THAT I DID NOT MEET THE REQUIREMENT, I SPEND {$2900.00}, LEFT {$25.00} TO MEET THE REQUIREMENT ON XX/XX/XXXX, THE OFFER HAS BEEN EXPIRED AND IT IS NOT THEIR RESPONSIBILITY. DOES CITI TAKE RESPONSIBILITY FOR WHAT THEIR AGENT SAID? THEY SAID NOTHING THEY CAN DO TO HELP ME. RIGHT NOW I ALREADY COMPLETE THE {$3000.00} SPENDING REQUIRMENT. I WANT MY WELCOM BONUS BACK. IF THE AGENT NOT GIVING ME THE WRONG INFO I WOULD HAVE MEET THE REQUIREMENT. I HAVE TO HAVE MY BONUS BACK BECAUSE CITI NEEDS TO BE RESPONSIBLE FOR WHAT TEIR CUSTOMER SERVICE SAID!! CITI, TRAIN YOUR CUSTOMER SERVICE PLEASE! THIS IS HOW THEY MAKE YOU LOST CUSTOMER!

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