vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
Hello and hope all is well. Credit extended for vehicle purchase in 2015 from Auto Trakk. Retained vehicle and its contract for over year. Within the second year of the lease, I became unemployed. Requested extension until unemployment is approved. The company offer some assistance, however, it was not enough to stop the on-going calls for the debt owed. The account has been on the credit report, for now, a total of 15 years requesting removal according to FCRA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2005 and a XXXX dollar balance should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/2020 called PNC Bank to get payoff on mortgage. We were given email XXXX XXXX XXXX and the info they required and told they would mail us a payoff total. 
XX/XX/2020 We made an online payment of XXXX to go to our principal of XXXX. Their system would nor allow us to pay the XXXX. 
XX/XX/2020 Instead of paying the full amount of our payment to principal they made a single monthly payment to the mortgage and then applied the remaining XXXX to the principal. We also explained that we have not received our payoff total. They told us to fax the request to XXXX and fax XXXX so we faxed to these numbers. We were also told to allow 7-10 days and that we would receive payoff total and growing interest total in the mail. We also noted that PNC took out XXXX for PMI evwn though we obviously havw paid down more than thw 20 % required. We were also told that they will not allow us to pay the remaining XXXX at this time. There is also a XXXX outstanding fee showing up on the account that we do not know what it is for and it does not show what date it was added to the account. 
Today is XX/XX/2020, Twenty days after our initial request for a payoff. We now have another monthly payment due on XX/XX/2020 of XXXX. 
Can you help us with this? We jusr want to get our house paid off. We are an older couple that are not working due to XXXX and XXXX and do not want this hanging over our heads accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: TX

Complaint narrative:
Spoke to Customer Service Representative at XXXX XXXX XXXX   XXXX on XX/XX/2020 about my financial situation. I asked about help for us customers who were affected by the Coronavirus. I was approved for a 6 month deferment plan. I was told this plan would be at a lower interest rate of 5.94 % and would not incur any late fees and no payment was necessary during the 6 months. As of XX/XX/2020 they marked me as late payment with all 3 credit bureaus. This significantly dropped my score which upsets me as Ive been current on all my accounts for a long time! It has taken me years to get my score up. Ive called many times and finally spoke to XXXX on XX/XX/2020 to be told there was nothing he could do but transfer me to his supervisor. He did see all the notes on when I called and was approved for the deferred plan. I was then put on hold for a supervisor for almost 20 minutes and then got disconnected or hung up on. Ive tried calling back to get disconnected again! No one seems to want to help or answer why they reported me or any customer during this crisis to the credit bureaus! They seem to not know about the Cares Act that was placed for this current situation. Please help and have my negative posts on all 3 credit bureaus removed and updated. Thanks

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 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX said I can no longer link my PNC bank account. I am unable to pay for my rent now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: TX

Complaint narrative:
The below listed INQUIRIES and COLLECTIONS by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX Bank  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX Collections Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$0.00} Balance updated XX/XX/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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The below listed INQUIRIES and COLLECTIONS by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX EQUIFAX MORTGAGE SERVI Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XXXX XXXX, XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX Collections Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Synovus Bank
State: NC

Complaint narrative:
On Friday XX/XX/2020, I called the phone number twice for the EIP card I was supposed to receive, XXXX ( XXXX ) XXXX around XXXX. Both times I was unable to get someone on the phone and I was also unable to get help. 

My card was sent to the wrong address, something I wasn't aware I needed to fix until slightly too late since I did use direct deposit and electronic payment for my taxes. I moved to a new address and am unable to get the card from the new tenant for whatever reason. I also want to put a hold on the account which I can not do because when I tried to call I was told to get an account number and call back by the operator voice. I also was unable to report it lost because I haven't received it for the same reason! I did try going online but I have the same problem, no card, no way to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
It has come to my knowledge that Portfolio Recovery Associates has multiple violations under The Fair Debt Collections Practice acted against the consumer XXXX XXXX for harassive and abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2005 and a XXXX dollar balance should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2005 and a XXXX dollar balance should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently discovered unauthorized credit inquiries on my Transunion credit report. I contacted TransUnion about the credit inquiries in question, and I was told I needed to contact the creditors directly to get them removed from my credit report. I contacted each of the creditors as instructed, but was told that they did not show any inquiries being made with my personal information on their end, and to contact TransUnion to have the inquiries removed from my report. I contacted TransUnion and informed them of what the creditors told me. TransUnion told me the that I would have to file a police report and mail it to them if I wanted the credit inquiries removed from my report. I filed a police report as instructed, and sent TransUnion a copy, along with a letter disputing the unauthorized credit inquires. I mailed the requested information to TransUnion via certified mail on XX/XX/2020, and they still have not removed the unauthorized credit inquiries from my 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 2020-05-29 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I went online to Equafax to unfreeze credit on XXXXAccording to website..credit is now unfrozen, yet no company can run a credit check on me ... they get a response that my credit is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have been contacting this company for over a year to confirm the debt. The company has refused to provide any type of debt validation. They have also lied in reference to what the debt was for, as they stated it was for an eviction but Ive never been evicted. I have also disputed this with the credit bureaus with no success or validation being provided. After placing a cease and desist on my account I still received calls from this company. They refuse to escalate my request and are very abrasive. The debt is for {$2400.00} and I have no clue where this amount is coming from.

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 2020-05-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX, XXXX, DPT EDXXXX, XXXX XXXXXXXX, XXXX XXXX   XXXX, Original Creditor, XXXX  XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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:
Since 2016 I have attempted to resolve this dispute with XXXX XXXX XXXX XXXX, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below XXXX now. I submitted an FTC Identity theft report and police report to XXXX XXXX XXXX over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by XXXX XXXX XXXX as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.

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 2020-05-29 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:
Since 2016 I have attempted to resolve this dispute with XXXX XXXX XXXX XXXX, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below 500 now. I submitted an FTC Identity theft report and police report to XXXX XXXX XXXX over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by XXXX XXXX XXXX as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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:
Since 2016 I have attempted to resolve this dispute with XXXX XXXX XXXX XXXX, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below 500 now. I submitted an FTC Identity theft report and police report to XXXX XXXX XXXX over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by XXXX XXXX XXXX as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with a date of XX/XX/2006 and phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
Cooling and Winter is trying to collect a debt which is not mines ; which is also pass the STATUTES OF LIMITATIONS ; Open Accounts : 4 years O.C.G.A. 9-3-25.

All of their reps that I have tried to communicate with was very unethical. 

Cooling and Winter refuse to send any written signed contacts or any verifying data about this fraudulent account.

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 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I was trying to link my bank account to avoid paying a transaction fee through XXXX to pay rent for XX/XX/2020, and it says PNC is not allowing this at this time. So now I will have to pay the transaction fee which should be unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: DISCOVER BANK
State: KY

Complaint narrative:
Hi there, I was recently hit with a 30 day late payment on my credit report. Due to the corona virus affecting my business I had to switch banks from XXXX to XXXX XXXX XXXXXXXX. It appears that my auto pay was turned off ( when I spoke with the representative she said that I manually turned it off on the online website, which I do not remember doing this. ) Due to the chaos of the current epidemic I traveled quite a bit to ensure the safety of my family and was unaware that my bill did not go through. If I had known this, I would have paid right away. As you can see on discovers payments, I paid as soon as I got notified that there was a late payment on my report. Switching banks added to the chaos. If you check the recent payments with Discover, every payment has been paid on time and I would like to ask that you remove this late payment from my report. 

Thank you, - XXXX

Company response to consumer: Closed with explanation