vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have been using the XXXX XXXX for over a year now and it helps me in times where my funds are, or will be low. It's a small loan, less than {$100.00}, with a less than {$5.00} service fee attached, and an option to leave a " tip '', which would be used to plant trees around the world. An option, meaning you aren't required to in order to receive money from XXXX. I have my account set up to automatically withdraw the amount I owe XXXX on payday. This app has always only deposited money into my account when I requested it, and has only ever automatically withdrawn from my account when I borrowed money. It was also always the agreed upon amount. I have never had an unauthorized transaction with this app. Now, PNC is not letting me connect my account. I understand it's for their customers safety however, the XXXX XXXX does not need protection from. This happened today, XXXX, and PNC has disconnected my account without my permission about 4 times throughout the past year. I was able to reconnect it myself in the past, but today I was directed to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
had called to turn my vehicle in XXXX they got it and are still reporting on my credit that my account is open and I've missed every single payment just wrong shoot they already wrong with their misleading advertising and tactics but that's for another day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: TN

Complaint narrative:
had called to turn my vehicle in XXXX they got it and are still reporting on my credit that my account is open and I've missed every single payment just wrong shoot they already wrong with their misleading advertising and tactics but that's for another day

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 2020-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC
State: IN

Complaint narrative:
I was never notified by my lender the credit scores or the important factors affecting my credit scores that the consumer reporting agency distributed to them in connection with my home loan until two days ( XX/XX/2020 ) before my original closing date ( XX/XX/2020 ) by my loan officer. He stated that if my credit score was a little better then I would have been able to get a 2.9 % interest rate instead of the 3.125 % that I was currently offered ( costing me roughly {$30000.00} more over the course of the loan ). When I asked him what the score was that he was using to qualify me for my loan it was 100 points lower then what I thought it was. 

The key ( only ) factor affecting my credit score was an invalid collections claim on my account that I thought was removed in XX/XX/2020. My loan officer never told me my score, that I had a collections on my account or asked me if the collections claim was valid. 

After finding out this information, I called the collections agency and they removed the claim from my account roughly a week and a half later ( XX/XX/2020 ). 

When I inquired why my score and the collections impacting my score was not disclosed to me the loan officer, project manager, and regional VP all told me that it was not discussed with me since my score was what they considered to be " good ''. The project manager went on to say if my score was a little lower they would have disclosed this information to me. His justification for this was that they are not in the business of being " credit counselors '', they are just there to give people loans. Basically, they decided for me what was a " good enough '' score without giving me the opportunity to decided for myself. 

The regional VP did say he was " very surprised '' that my loan officer did not disclose the information to me but was unwilling to compensate me for this mistake because they currently were not making enough money on my loan as is. 

I was giving the option to have my credit re-pulled but was told that it may actually result in a higher interest rate if interest rates have increased from my current 3.125 % interest rate or the 2.9 % that I was told I would've qualified for ( the lending company does not publicly disclose their interest rates ) and that they may not be able to close my loan on time if I had my credit re-pulled which would result in me losing the house. So this was not a viable option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent Transunion a dispute letter certified mail on XX/XX/2020 and have yet to receive any information regarding the dispute. The letter was never forwarded back to me and according to the tracking information provided by USPS they did receive my letter.

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 2020-08-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RAS LaVrar, LLC
State: GA

Complaint narrative:
Received a letter from RAS XXXX on or about XX/XX/XXXX about XXXX alleged debts from XXXX XXXX. 

Their letter was deceptively dated XX/XX/XXXX and said I had 30 days to dispute, which was already past from the date. 

Whether this was an error, intentionally deceptive or there was a huge delay in the mail is unknown. 

My rights are 30 days from receiving though. 

On XXXX, I received mailers from attorneys stating I had a lawsuit already filed against me. 

I immediately sent my dispute letters via XXXX using Certified Mail w Return Receipt. 

Debt Collector initiated lawsuit with no notice and only an initial communication that was dated wrong. 

Also, the debt is not mine and has now been disputed. Debt Collector should withdraw lawsuit and cease any further collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Accounts Group, Inc.

Complaint narrative:
The amount child support enforcement of Kansas is asking for is not valid. I have had a payment made by the state of XXXX for obtaining my GED. I also was not the one that asked for this money or received it at anytime and my children never received the money either. The person that received the benefits did not use it toward my children.

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 2020-08-09 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: DriveTime
State: GA

Complaint narrative:
Effective XX/XX/2020. Notified via email by XXXX XXXX that XXXX reported to XXXX credit agency that my auto account is closed and I only paid the balance down to {$660.00}. XXXX is still reporting inaccurate information to the all three credit agencies intentionally. I do not owe this Creditor anything, all my payments have been satisfied. The account should be reported as closed paid in full and in good standing. I have filed several complaints regarding the fraudulent activity that XXXX is reporting on my credit profile. My next step on tomorrow, Monday, XX/XX/XXXX, I plan to reach out for legal assistance regarding the ongoing harassment.

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 2020-08-09 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: U.S. BANCORP
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I telephoned ( XXXX ) Loan Deport, a mortgage company at approximately XXXX XXXX. I was asking about a refinance on my home. A lady answered and identified herself as XXXX. She further advised that this was a recorded line. I asked to not be recorded. XXXX replied that there was nothing she could and that I would be recorded. I explained that California was a two party consent state for recording via telephone. She again said there was nothing she could do. I asked if it was a requirement for me to give up my right to not be recorded in order to apply for a mortgage from Loan Depot. XXXX replied yes. This is clear discrimination. According to XXXX, if I dont consent to being recorded, I cant get a mortgage from Loan Depot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
My mortgage was originally with XXXX XXXX XXXX XXXX and was sold to Freedom Mortgage recently. When XXXX XXXX XXXX XXXX closed the account my FICO scores for the three major credit reporting bureaus XXXX, XXXX, and XXXX took major negative hits according to my account through XXXX. I contacted XXXX who mentioned Freedom Mortgage must report the home loan with all the past history dating back from the time it was with XXXX XXXX XXXX XXXX. I contacted Freedom Mortgage concerning this issue and their response was they have 60-days to report to the credit bureaus after a loan transfer and refused to report current information. Meanwhile Freedom Mortgage keeps asking if I want to refinance. I DO NOT because my current credit score took a major hit due to the loan transfer which would result in higher rates. This is an extremely shady practice on Freedom Mortgage part.

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 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Account with Comenity Bank ( XXXX XXXX Credit Card ) was setup in autopay. On XX/XX/XXXX statement, a new purchase balance of {$51.00} was on the account. Per the attached statement : {$51.00} will automatically be deducted from your checking account on your payment due date. This Amount includes the total of your regular revolving credit plan purchases, cash advances, and past due amounts plus minimum payments due for any promotional credit plans. 

The bank failed to do so, on on the next statement on XX/XX/XXXX, an interest fee of {$4.00} appeared as a result of the unpaid balance. 

The bank has refused to explain why the payment was not automatically deducted on or before the payment due date of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-09 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: MO

Complaint narrative:
please remove the following account inwhich is unknown to me nor is my responsibility 1 ) XXXX Card Services

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 2020-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC
State: IN

Complaint narrative:
My initial interest rate was locked for 30 days. I was not given a choice of how long I wanted to lock my initial interest rate. My original closing date was XX/XX/2020. My interest rate was initially locked until XX/XX/2020. My closing date was pushed to XX/XX/2020. I was charged a fee ( over {$300.00} ) to keep my interest rate locked until XX/XX/2020. 

I was never notified in writing or verbally that there would be any fees if my interest rate expired before my closing date. I was instead charged in my closing disclosures the extension fees. 

I looked on the loan website to see if there was any information available about possible consequences if an interest rate locking expired before the closing date. The only information I could find stated " You can lock in your rate for up to 180 days ( additional restrictions and fees may apply for lock terms in excess of 90 days ). This guarantees your rate lock for the entire lock period. '' To me, this reads that from 0-90 days there is no fee. I was not given the option if I wanted to initially lock in for 90 days. Additionally, my closing date ( XX/XX/2020 ) does not exceed the 90 days, but I am being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I can not link my PNC account to my budgeting software - PNC doesn't allow for account linking any more

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: MO

Complaint narrative:
please remove the following account inwhich is unknown to me nor is my responsibility 1 ) XXXX Card Services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: MO

Complaint narrative:
please remove the following account inwhich is unknown to me nor is my responsibility 1 ) XXXX Card Services

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