vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC won't allow linking of checking account to XXXX XXXX app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Northwood Asset Management Group
State: MI

Complaint narrative:
On XX/XX/XXXX I took a loan out from XXXX XXXX XXXX in the amount of {$2500.00}. I wask scheduled to make payments of around {$300.00} twice a month, but early on I learned I could not afford that. I made several payments, but can not find any records in my email or my XXXX account for the total that I made. 

After I was unable to make a couple of payments, in which I notified XXXX, they transferred my account to NAM. 

I have made 14 payments to NAM of {$55.00} each, once a month. Total of {$770.00}. 

On XXXX/XXXX/XXXX I was notified that XXXX alledgedly lent me that money illegally, with this notice. 

NOTICE ID : XXXX Please keep for personal reference. 
If You Obtained a Loan from XXXX XXXX XXXX, XXXX, or XXXX   XXXX XXXX From XX/XX/XXXX to XX/XX/XXXX, You Could Get a Cash Payment from a Settlement or Cancellation of Your Loan A federal court ordered this notice. This is not a solicitation from a lawyer. 

NOTICE OF PROPOSED CLASS ACTION SETTLEMENT Solomon, et al. v. American Web Loan , Inc., et al. No. 4:17-cv-0145-HCM-RJK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Goal Structured Solutions, LLC
State: MI

Complaint narrative:
I have asked all three credit bureaus to verify this alleged debt they claim I owe and that is damaging my credit profile via mail. The bureaus responded with verified I also disputed this account directly with the collector showing the inaccurate reporting that they have given the credit bureaus, and also sent a debt validation letter that they have not responded to. I am well of my consumer rights and they are being violated at this point this collector sent me a letter stating to show them the inaccurate reporting which I replied with a investigation letter pointing out the multiple inaccuracies with a copy of my credit report and highlighted everything inaccurate and ask them to investigate and remove this account from my credit report. They then responded back to me stating that my dispute is a duplicate and to provide them with the inaccurate information again which I sent the first time. This account hasn't been verified after my request and after me reporting out all the inaccuracies in the reporting. The law states all accounts have to be verifiable and 100 % accurate.

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 2020-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I entered Mariner finance on XXXX XXXX on XX/XX/2020 to get approved for a loan. I was told by XXXX XXXX that I was approved for XXXX $ only and after showing good credit I could then be eligible for an increase of credit. I was given a XXXX Dollar check that was written off of XXXX   XXXX XXXX at the time which is now XXXX XXXX I took the check and cashed it I still have the check stubb from that transaction. I have continued to make payments without really looking over the contract. Recently my credit was ran and I see that my original payoff balance for mariner finance is XXXX which had me raise an eyebrow bc i only borrowed XXXX $ so how am i paying back XXXX on a XXXX $ loan. At this point things were not making much since I then pulled my contracts to carefully read over them. At which point I seen That i was financed for XXXX and i should have recieved 3 checks total, one in the amount of XXXX one in the amount of XXXX and one for XXXX. I was never given the other 2 checks. With that being said I would like the checks traced and find out who signed my name on the checks because I did not. When I was aware of what happened I tried to reach out to their corporate office about the issue they told me there was nothing they could do I could reach out to the store manager about the issue. I do not feel comfortable resolving the issue with the store manager for the shear fact its a conflict of interest and i do not want anyone trying to cover up what has been done! I myself work in the lending industry and am aware that this behavior is unlawful and is considered fraud. I have copies of my contract, check stubb, and pay history available if needed.

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 2020-08-04 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: TX

Complaint narrative:
I would like to file a complaint regarding two accounts Experian is reporting. I have sent disputes to Experian multiple times reporting the errors in their reporting but somehow Experian continues to respond the accounts are verified as accurate. This is very confusing because the two accounts are reporting the same collection, yet they are reporting completely different information? Account XXXX is reported by XXXX with the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX and the amount owed as {$3500.00} and XXXX is reporting the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX with the amount owed as {$2400.00}. This is the exact same account as reported by the account number. That can not be possible, this is one account with one original Date Of Delinquency and one balance amount. I have also reported to Experian that I did not believe this account was mine due to another family member having the exact same first, middle and last name. Yet again, Experian does not even acknowledge my disputes. I have requested validation from XXXX and XXXX and NEITHER have provided ANY information showing this account belongs to me or proof that what is being reported is correct. XXXX and XXXX have both deleted these accounts from my report because they were unable to substantiate the account. What information does Experian have to report these accounts? And if Experian has correct information, then why are these accounts reporting with completely different Dates Of First Delinquency and different amounts reported? Arent all three of these issues violations? Why is Experian continuing to report these accounts if they have not and can not be verified? And why has Experian completely ignored my requests for an investigation, yet continued to report the accounts? Can you please direct me to the proper channels so that I may hold Experian accountable for the blatant negligence, failure to investigate and continued reporting of these accounts with obvious errors even after I have repeatedly provided Experian the information to make an educated decision. I am also including XXXX in the complaint due to re-aging of the account. These accounts are definitive, they are supposed to have only one open date, one close date, one date of first delinquency and one date of last payment and those dates are required to report the same. XXXX has re-aged this account to make it appear newer in attempt to further damage my credit ; in which both Experians and XXXX false reporting have hurt my credit substantially.

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 2020-08-04 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: GA

Complaint narrative:
I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amounts of the accounts on my report that I know do not belong to me. XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), There are also inquires that were not authorized by me : XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX and XXXX XXXX XXXX | XX/XX/XXXX. I have contact the FTC and local police and doing this on my own behalf. Please remove these items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
We currently hold a mortgage with Citibank. On XX/XX/XXXX, my husband and I contacted Citibank about refinancing our current mortgage that they hold. We were quoted a rate of 4 percent for a jumbo with cash out. We answered all of the questions including the ones on race, both my husband and I are minorities. We then got a call back saying that my husband had a credit score of XXXX from XXXX, XXXX XXXX and XXXX So Citibank wanted to charge us an 1/8 more and a quarter point extra in fees. On XXXX we received my husband 's credit scores from Citibank. He had a XXXX This surprised us so we went to XXXX and requested his scores and they were over 740. We checked with the other credit reporting agencies and could not find a score that low. Based on our request my husband had scores of XXXX, XXXX and XXXX. I contacted Citibank several times but did not hear back from the rep assigned to us, XXXX XXXX until today XXXX, where he told me that the rates was because my husband s credit score was low but I told him that we couldn't get the credit reporting agency to corroborate what he was saying as the basis for raising our rate. I asked to file an internal complaint, he said he would do that. I asked for contact information and he hung up on 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 2020-08-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
INFORMATION ON MY EXPERIAN CREDT REPORT IS NOT CORRECT LONG DELAY 'S ON  CORRECTING SCORE CAUSING A NEGATIVE AFFECT ON MY CREDIT. XXXX CREDIT SCORE IS XXXX AND MY XXXX IS XXXX MYEXPERIAN   SCORE XXXX THIS HAS A NEGATIVE IMPACT ON MY SCORE. MY XXXX XXXX XXXX ACCOUNT IS XXXX. THIS IS A 48 POINT DIFFERENCE ON MY XXXX   REPORT AND 61 POINT DIFFERENCE ON MY XXXX. EXPERIAN IS A MAJOR CREDIT REPORTING AGENCY PLEASE HAVE EXPERIAN REPORT EXPLAIN THIS DIFFERENCE TO ME. THIS IS A UNFAIR PRACTICE THAT THE OTHER REPORTING AGENCY DO NOT FOLLOWING WAITING EVERY 30 DAYS TO UPDATE CREDIT INFORMATION. THIS PRATICE REFLECTS A NEGATIVE IMPACT ON MY BUSSINESS DEALINGS. WHEN PAYMENT IS MADE AND REPORT BY BORROWER IT SHOULD REFLECT ON EXPERIAN CREDIT REPORT.

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 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Management Services, LP
State: CA

Complaint narrative:
During my honeymoon i bought a timeshare with XXXX XXXX. I opened a new credit card to open the package and a month later i received the credit card in the mail. I was told the package came with free cancellation so never activated the card because i did not need to use it and just pay through the company, XXXX XXXX. Turns out the company of the credit card was XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXX. I then get a call from a Debt Collection company named Capital Management saying i have an outstanding debt to collect and that i need to pay. Im getting ready to refinance my home so i agreed and payed the debt collection company what i owed every month. I go in to refinance my home and sadly was denied, the lady helping me told me that a closed account from XXXX XXXX XXXX was a major reason why i was denied and i told her that they SOLD MY CASE to Capital Management who i was now paying what i owe to. My case was closed XX/XX/2020 from XXXX XXXX XXXX and sold to Capital Management who i have been paying monthly till my total debt is payed off.

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 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX says I got service in XX/XX/XXXX at a address that I do not live at and now owe a collection of {$430.00}. I have been living in the same house since XXXX. Asked for a signed contract and they could not provide one.

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 2020-08-04 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: TN

Complaint narrative:
I have the following issues with Equifax, XXXX, and XXXX XXXX. I am unable to access and temporarily remove the credit freeze on my accounts so that the Social Security Administration can verify my identity. I have asked that each of the three credit bureaus provide me current passwords to unfreeze my account. Second, I have been told I need to identify myself and have provided the attachments to self-identify. Third, my ultimate purpose is to have the fraudulent XXXX accounts removed from my credit reports. XXXX has forgiven the debt, written off the account, and issued 1099. I filed each with my tax returns. I have repeatedly indicated those accounts are not mine, were never mine, and that I never benefited from those accounts, I repeatedly indicated to XXXX that it was my belief my former spouse fraudulently opened the accounts in my name and if they were used, HE then used the accounts. I never used the accounts. During the course of our marriage, my former husband was XXXX   XXXX  and XXXX, kept hidden accounts, and was plagued by gambling creditors inside and outside the United States. Those days are behind me and I want to move forward with my daughter, buy a home, and be left alone. The XXXX accounts are nearing their 7 year expiration period and I am asking that each of the three credit bureaus remove them from my account. Please provide me an updated credit report from each agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: AL

Complaint narrative:
My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. i have been contacting transunion about accounts that is on my credit report that doesn't belong to me over 3 months. i demand this be deleted immediately.

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 2020-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
This company is billing me for an account that is not mine. On XX/XX/2020 they sent me a bill. On XX/XX/2020 I sent the a letter in response to their bill. I requested from them a copy of the signed credit application. They have not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: GA

Complaint narrative:
I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amounts of the accounts on my report that I know do not belong to me. XXXX, XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX  ), There are also inquires that were not authorized by me : XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX and XXXX XXXX XXXX | XX/XX/XXXX. I have contact the FTC and local police and doing this on my own behalf. Please remove these items off my credit report.

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 2020-08-04 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: GA

Complaint narrative:
I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amounts of the accounts on my report that I know do not belong to me. XXXX, XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX  ), There are also inquires that were not authorized by me : XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX | XX/XX/XXXX. I have contact the FTC and local police and doing this on my own behalf. Please remove these items off my credit report.

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 2020-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I previously filed a complaint with your entity but the bank did not address the specific account that is at issue of this complaint. Please reinvestigate this matter with the new attached information I was the custodian of a account for XXXX XXXX the account number was XXXX. The account had some of my personal funds in the account. Wells Fargo closed the account without my authority. I asked Wells Fargo of proof of who closed the account so that I could prove to social security that I did not confiscate Mr XXXX 's funds. I also wanted my personal funds returned to me. I filed a complaint and they failed to rectify the issues. The bank has not addressed this account in their response. My phone 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 monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Good Afternoon ; I was shocked when I reviewed my credit report and found late payment during this year between XXXX and XXXX of 2020 for 30 days late. Each credit bureaus are reporting that i was late different months. It's not consistent. Something is not correct. 

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 my monthly statement did not get to me, or the payment was not applied as fast as expected. I check 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 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 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Hello, I had credit card debt with Discover Bank in the amount of {$2300.00}. I was contacted by company called " XXXX XXXX XXXX '' XXXX, spoke with a person named XXXX XXXX. This person indicated that they were the new collection agency assigned the debt and if I did not set up payment arrangements with them right at the time speaking with them that they would place a bank levy on my bank account and just take my money. So I gave them my routing and account number and arranged 3 payments in the amount of {$770.00} and the debt would be considered pain in full. Afterwards I was contact by the actual law firm in charge of collecting the debt, XXXX, XXXX XXXX XXXX, XXXX. which then I realized I was scammed and XXXX XXXX XXXX had stolen my money. 

1st payment was an electronic check on XX/XX/20 for {$770.00} 2nd payment was an electronic check on XX/XX/20 for {$770.00} 3rd payment was an electronic check on XX/XX/20 for {$770.00} Total amount stolen {$2300.00} I have not been able to get back in tough with XXXX XXXX XXXX. They will not return my calls. I am not able to find their mailing address. We need to trace where the money went but I don't have the ability to do that. 

I am contacting my bank 's fraud department. I have contacted the law firm holding the debt, XXXX, XXXX XXXX XXXX. I have contacted Discover Bank. I will filing a police report. 

XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX Office : XXXX Fax : XXXX

Company response to consumer: Closed with explanation