vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX has refused to correct entries in my TransUnion credit report incorrectly reporting that my XXXX XXXX  XXXX ( Account Number beginning XXXX XXXX XXXX XXXX is an Adverse Account, with a Maximum Delinquency of 30 days in XX/XX/XXXX. I had no such delinquency. I sent a fax and two letters, with documentary proof ( account statements ), asking XXXX to correct my TransUnion report. The fax was sent on XX/XX/XXXX. The first of my two letters was sent on XX/XX/XXXX ; the second, a follow up letter requested by XXXX, was sent on XX/XX/XXXX. XXXX ignored my documentation, which clearly shows I had no delinquency in XX/XX/XXXX because nothing was due on my account for that month ( or for any preceding month from XX/XX/XXXX onward ). XXXX stated in its final letter to me, dated XX/XX/XXXX, that the information in [ my ] credit report is correct. 

Copies of monthly statements for my account, from XXXX back to XX/XX/XXXX, included in my XX/XX/XXXX letter to XXXX, fully demonstrate XXXX error. Each statement shows a XXXX-balance requiring no payment. Because no payment was due, there was never a delinquency. I have attached to this complaint copies of all my correspondence with XXXX, including copies of the relevant account statements. The account statements were marked Appendix A-1 through Appendix A-4 to my AFFIDAVIT SUPPORTING MY REQUEST TO CORRECT ERROR IN TRANSUNION REPORT, sworn to XX/XX/XXXX, which was enclosed in my XX/XX/XXXX letter to XXXX. 

I respectfully request the incorrect entries in my TransUnion report be corrected to show I have no delinquency for the account in question. My perfect credit payment history will thus be restored.

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 2020-09-16 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: NV

Complaint narrative:
I have looked at my credit and saw accounts that do not belong to me including a bunch of addresses. Please remove them ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK

Complaint narrative:
XXXX reported me to Chexsystems for overdrafts. Those overdrafts were not my fault. It's not my fault I was scammed and receive fraudulent checks. The overdrafts were caused by those bad checks. I have paid them the amount I owe so they need to remove me from Chexsystems. Remove me from Chexsystems.

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 2020-09-16 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:
Experian and XXXX  have not sent me validation of the account on my credit report XXXX XXXX XXXX XXXX. XXXX  has deleted the account from my credit report because they did not receive validation of the account. i have not received any validation from Experian or XXXX  they just keep updating my account. i am requesting account validation that this account is mine and if they can not provide account validation per FCRA i am requesting this account be deleted from my credit reports.On XX/XX/2020 i sent out a letter requesting validation my response was the account was updated. The date opened is inconsistent on my XXXX  and Experian Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. The Date of last activity is inconsistent on my XXXX  and Experian Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. I have attached proof of these inaccuracies and the letter i sent out on XX/XX/2020 asking for account verification

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 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I RECEIVED AN ALERT FROM MY CREDIT REPORT THAT THERE WAS A NEW COLLECTION ACCOUNT POSTED TO MY CREDIT REPORT. I LOGGED ON AND DISPUTED IMMEDIATELY WITH THE CREDIT REPORTING AGENCY AND NOW I AM FILING A COMPLAINT. THIS ACCOUNT I DID NOT AUTHORIZE NOR DID I KNOW ANYTHING ABOUT IT. I WANT THIS COLLECTION ACCOUNT REMOVED FROM ALL THREE CREDIT BUREAUS AS FRAUD. I HAVE ALSO FILLED OUT AN FTC AFFIDAVIT AND POLICE REPORT AS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
XXXX of 2019, after XXXX advised me of a potential mortgage shortage. I notified them of my tax exemption for being a 100 % XXXX veteran residing in the state of XXXX. 

They have yet to successfully submit the proper documentation to the city of XXXX, I have been flooded with misinformation repeatedly, as I am over three dozen calls into the company and I provided all required documentation to them. 

XXXX has to facilitate the return on nearly {$10000.00} in overpaid taxes in to me. Yet they have failed to do so. My last earnest request was to revived a copy of the paperwork that they sent to the city of XXXX, that was two weeks and 5 phones ago. They have yet to provide it, mind you it is as easy as CCing me on the email. One rep stated that they would, then failed to do so. 

Lastly, I was advised by a rep to go into forbearance as I await the return of the fund, ( early XXXX ). In subsequent calls I was then provided with misinformation and inconsistent information as to whether they could or couldnt run a new escrow analysis while I was in forbearance. I was told by one rep that that was a good course of action, then in subsequent call, its not acceptable and its against their policy to perform the analysis. I am XXXX into the forbearance, OWED to them, with an incorrect escrow amount ( which makes the payments higher ) and another XXXX owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: VA

Complaint narrative:
My XXXX XXXX credit card account, originally at XXXX XXXX XXXX, had missing statements ; address was being changed without notifying me, the cardholder. Amazing amounts of charges appeared & my requests for information as to what/when purchases were made, etc., were ignored. I ordered the account closed in XXXX & about $ XXXX in new charges suddenly appeared. Several monthly statements were still missing & I kept paying for the items I knew about, based on my records at that time. The bank & the account were bought by XXXX and the problem continued. There were several harassing phone calls each day, but I finally finished paying what I had owed, in XXXX. XXXX still refused to let me see what the fraudulent charges were for, and tried to sue me, until the alleged debt case was dismissed in XXXX Civil Court in XXXX. Several times since, different people have contacted me to claim I somehow owed them $ XXXX for this long-closed account. Now this XXXX Solutions company keeps having collectors try to intimidate me into paying what I can not owe. The XXXX demand form letter was delivered to an address I have never been associated with, and was recently forwarded to me by a concerned resident from the location it was delivered to. This looks like a criminal action on XXXX 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX XXXX  XXXX  charged my Citibank credit card, this credit card had a different number that I never shared with XXXX  XXXX. 

XXXX XXXX refuses to cancel the membership even tho theres not even a XXXX XXXX on our state and they never let me know they were gon na reinstate charges.

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 2020-09-16 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: NC

Complaint narrative:
I just check my credit report and notice that I have and account that have been closed for over two years but that just marked a late payment this year in 2020.

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 2020-09-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION
State: MD

Complaint narrative:
Sallie Mae has continually harassed me since XX/XX/2020 ; calling multiple times throughout the day from multiple numbers. Agents have not only been terse in conversation with me and yelled at me but have decided to call and harass relatives of mine multiple times who are not even involved in loans. They have even gone as far as yelling at relatives of mine and assuming that they are me and have even left multiple voicemails after they have been asked to cease communication with them as they are not involved in any loans. I have also received text messages from unknown senders stating that I owe a private or federal loans and need to pay. The continuous harassment by this company has not only been taxing on myself but also my family as they keep getting calls after they have informed the individuals on the phone that they are not me. I have in the past asked for some sort of payment plan with the company however the company refused to assist me in any way and left me to pay the full amount without any sort of long-term relief or assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have a mortgage loan with Bank of America. In XX/XX/2020, Bank of America commissioned an appraisal of my home as a condition of granting the mortgage and the value of my home in that appraisal was {$260000.00}. On XX/XX/2020 Bank of America posted 2 payments which reduced my loan balance from {$220000.00} to {$34000.00}. The payments and new balance vs. the XX/XX/2020 appraisal meant that I had approximately 87 % equity in my home. 

Despite that, Bank of America still charged me {$50.00} for PMI on XX/XX/XXXX and another {$50.00} for PMI on XX/XX/XXXX. I complained to them about continuing to charge PMI to me AFTER they were entitled to do so and their response dated XX/XX/2020 simply said " our records show we received a request to remove PMI on XX/XX/2020. The request was reviewed and the PMI was removed effective XX/XX/2020. '' They concluded " we were unable to backdate the PMI cancellation to XX/XX/2020 as the loan did not meet the requirements for cancellation at that time. '' Who cares about XX/XX/XXXX? The loan was paid down on XX/XX/XXXX, but they proceeded to charge PMI on XX/XX/XXXX and again XX/XX/XXXX. They will not address the XXXX specific charges on XX/XX/XXXX and XX/XX/XXXX. Why are those not being refunded? Why do I have to repeatedly keep asking about this and submitting complaints and writing to them on their website? The equity was at 87 % on XX/XX/XXXX. Why did they keep charging me PMI after that?

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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
1. ) I had a XXXX account that closed on XX/XX/XXXX and it is still shows on my credit report Disputed Accounts. I owe {$0.00} to XXXX and this account shouldn't appear in my credit report. 
2. ) Another account that's shown in my credit report Disputed Accounts is XXXX/XXXX. This account was closed on XX/XX/XXXX. I also owe {$0.00} on this account and it shouldn't appear in 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 2020-09-16 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: NV

Complaint narrative:
I have looked at my credit and saw accounts that do not belong to me including a bunch of addresses. Please remove them ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I had a car that was a total loss. I had XXXX XXXX insurance I cant get in contact with them. Flagship credit acceptance is saying I owe XXXX. They say they sent everything the police report over to XXXX XXXX   But I still have that balance. This made my credit score drop XXXX points. I spoke with someone at flagship they told me my account was closed XX/XX/2020.

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 2020-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was buying a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ON XXXX XXXX, XXXX XXXX : XXXX After contacting the Salesman XXXX XXXX by phone to know the availability of the tractor We started doing the paperwork by email which was the electronic bill of sale. What I signed after paying my {$1000.00} deposit with my debit card and waited for at least 5 to 10 business days for the paperwork to be done and to process the payment. 
I was communicating with XXXX XXXX by XXXX during all paperwork ( Bill of sale ) On XXXX XX/XX/XXXX I got an email by XXXX telling me my truck is ready and they just need the remaining balance. 
They sent me all the baking info for the Wire Transfer. 
On XXXX XX/XX/XXXX at XXXX I made a transfer of {$14000.00} at the branch of PNC BANK XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 
The Agent in PNC asked me why the bill of sale address is different from the bank address? Finlay we decided to put the bill of sale address in the bank account address. also the transfer was about to be clear in the beneficiary account on XX/XX/XXXX The next morning I got a call from XXXX XXXX saying my truck is ready. How would I make my payment? 
5 min while fitting the confusion with XXXX XXXX, I called PNC BANK Wire Transfer department to cancel the transaction on XXXX XX/XX/XXXX XXXX. 
From XX/XX/XXXX to XX/XX/XXXX I called PNC BANK more than 7 times to know the status of my transfer. 
Finally on XX/XX/XXXX they sent me a letter saying the receiver Bank says we have to contact the beneficiary and as a PNC they can't help me to get my money back. 

PNC BANK. 
As a customer of the PNC Bank, my bank must work with me on any banking transaction while banking with them. After 19hrs of the transfer I request the transfer to get cancel and a 9 business day of the clearance of money in the beneficiary account : I do have 99 % clear to get my money back My bank didn't help me at all.

I wish Could now from A-Z how the wire transfer works or how to track it by a tracking number and knowing where it is delivered. 

XXXX XXXX XXXX XXXX, I don't see how a scam can be able to use the company 's email address without their concern. 
that is really really regretful for me as a customers ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX serviced by XXXX XXXX XXXX XXXX is unable to confirm my account or its reporting to Experian. Because this account is reporting incorrectly and the servicer is unable to locate Experian needs to remove the information from 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 non-monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
Harris and Harris have made repeated calls to m home and it is amounting to harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$250.00}, {$9000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my 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 2020-09-16 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: CA

Complaint narrative:
On XX/XX/XXXX & XXXX I submitted a complaint XXXX Explaining that this account did not belong to me & was a fraud account. I also explained that I was personally sending this dispute and I received a computer generated response. I am asking again to please delete this account for U S DEPT OF ED/XXXX and review all the identity theft information that I previously sent 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 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
In order to earn new checking account bundle bonus {$300.00}, on XX/XX/XXXX, I opened Free Checking with {$1000.00} deposited and e.Savings with {$50.00} deposited. I am not the current or prior customer of First Citizen Bank. Within 90 days of account opening, I completed 10 debit card transactions before XX/XX/XXXX and also enrolled in eStatements when the accounts were open. 
I contacted the bank by sending the secured message on XX/XX/XXXX but as of today, there's no update of the issue. I am supposed to receive the bonus within 120 days after all qualifiers have been met. However, it's been 177 days and almost hits 180 days next Tuesday since the accounts were open. Both of my checking and saving accounts ' balance are still have more than {$550.00} as of today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 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: CA

Complaint narrative:
This account does not belong to me and has been on my credit report for some time. Equifax continues to report this account even though it is not mine. I am asking that this account be deleted because it is not mine. I have attached an identity theft report to the previous complaint XXXX. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, XXXX XXXX.

Company response to consumer: Closed with explanation