vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was trying to connect my pnc bank account to XXXX XXXX to start learning about stocks. Unfortunately pnc has decided to not let me link it to. XXXX is a secure website that will keep all my information safe. I don't want to go to another bank just to link it to XXXX because it is a hassle and I don't have time to go to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
On XXXX my debit card was declined. I called TCF bank and they informed me there was suspicious activity on my account. I received a new debit card XX/XX/20 and again noticed suspicious activity on my card. I called TCF to report it. I decided to close my entire account to protect my funds. That same day I went to the XXXX, mn TCF location and closed my account and withdrew my funds. I signed off that I wished to close my account and was handed a slip stating my account was closed. My balance at that time was {$0.00} My direct deposit from my employer went through on the account after it was closed. When I previously closed my act on XX/XX/20 the teller told me and direct deposits would be rejected. On XX/XX/20 I again went to withdraw these funds. The teller told me my account was never closed but had a debit hold. On XX/XX/20 I completed the same paperwork to close my account and again was given a receipt stating my account was closed. My balance at that time was {$0.00}. 

XX/XX/20 I received mail from TCF stating my account was over drafted by {$130.00}. The letter states they will submit to collections. 

Both times I have tried to close my account my balance was {$0.00}, after withdrawing my funds. There was no reason for TCF to refuse to close my account and verbally and in writing tell me it was closed. I would like to close my TCF bank account and would like them to stop allowing transactions in/out of my close account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today, XX/XX/2020, I sent {$200.00} to an account I found on XXXX  saying hed sell me shoes for that amount. It seemed completely safe seeing how many stars he has and his reviews. After I had sent it, he stopped responding although he was active. I have his XXXX   XXXX  account, the email he gave me to send money, and his number. I tried contacting with my Wells Fargo bank account but they couldnt do anything about it, not even file a complaint or anything to try to recover my money back. XXXX on the other hand, couldnt help me as well. XXXX is definitely not the best app to use sending money because you are not protected at all.

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 2020-06-09 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: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I pulled my credit reports and noticed that Lakeview Loan Servicing , LLC ( XXXX XXXX ) was reporting that my mortgage was in forbearance. I disputed this with the three credit reporting agencies and contacted Lakeview Loan Servicing regarding this issue. 

On XX/XX/XXXX I received a notification stating my dispute had been completed. My updated credit report sated " Account information disputed by consumer '', a balance of {$280000.00} and that my account was " DEFERRED '' I again contacted Lakeview and explained the issue to them ... I was reassured that my account was not in forbearance and that it was not being deferred. The agent I spoke to told me they would send me a letter stating my account was up to date. As of today, XX/XX/2020 I have not received said letter. 

As of XX/XX/2020 my XXXX  and XXXX  credit reports still state that my account is being deferred and that my balance is still {$280000.00} making it appear as though I am 2 Months behind in my mortgage. 

I would gladly appreciate it if Lakeview Loan Servicing , LLC ( XXXX XXXX ) would correct this issue and post accurate information on my Credit Reports

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 2020-06-09 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-06-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. 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 XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My loan servicer changed to Fay Servicing as of XX/XX/2020. I contacted them because due to current situation I am in an extreme financial hardship. They approved my forbearance on XXXX. Then on XXXX made an unlawful withdraw of my full mortgage payment. Not only was this completely unauthorized AND happening while I am in forbearance, protected by the cares act ; I didn't even have an auto payment with my previous lender XXXX XXXX. I literally found out when I was at XXXX tying to buy groceries and my card was declined on XX/XX/XXXX. I had to sale things I need and use to try to cover the expenses and take take out a loan all due to this. On that day I emailed their customer service department as I will not speak with them since they will record our calls but not let me record on my end, too. They hadn't responded and withdrew the money again on XXXX. Now I have no avenues to even try to recover. I can't pay my bills, get gas or groceries. I've emailed again and even found an email for their CEO ; all have gone unanswered. I am ready to go to the media and an attorney but since I usually work in this industry, wanted one more formal attempt to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have mailed dispute letters to the company XXXX in regards to validating student loan debt but I have not received anything information regarding the loans back in the mail from them they have failed to validate the student loans and they will not remove the accounts from my credit report. I sent these letters out in regards to all five of the student loan accounts that need to be validated but they havent been on XX/XX/2020. In the past they have wrongfully tried to collect on the student loan debts even while I was in school and still am a 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 2020-06-09 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: WA

Complaint narrative:
I have mailed dispute letters to the company XXXX in regards to validating student loan debt but I have not received anything information regarding the loans back in the mail from them they have failed to validate the student loans and they will not remove the accounts from my credit report. I sent these letters out in regards to all five of the student loan accounts that need to be validated but they havent been on XX/XX/2020. In the past they have wrongfully tried to collect on the student loan debts even while I was in school and still am a full-time student.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: WA

Complaint narrative:
I have mailed dispute letters to the company XXXX in regards to validating student loan debt but I have not received anything information regarding the loans back in the mail from them they have failed to validate the student loans and they will not remove the accounts from my credit report. I sent these letters out in regards to all five of the student loan accounts that need to be validated but they havent been on XX/XX/2020. In the past they have wrongfully tried to collect on the student loan debts even while I was in school and still am a full-time student.

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 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDIT COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXXXXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX   in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
ON XXXX XXXX I went to Honda XXXX and wanted to purchase a XXXX XXXX XXXX. I test drive a car and decided to buy, we agreed that the price was going to be U {$25000.00} including Destination and Handling fee of U {$1100.00}. I was aware of sales taxes and title fee. I was told that I could have this car leased with no interest for U {$48000.00} per month for 36 months and if I wanted plus U {$2000.00} per month I could have an extra insurance. I asked how much was the remaining balance when I return the car in orther to purchase it, they said they could not give the amount. Since it looked a good deal I accept it, because I understood that U {$48000.00} per month was going to leave me with a reasonable amount paid and had very little to finance in orther to buy the car. I was never shown how they were calculating this monthly payment, but my wife told them that we wanted to purchase the car, but they kept pushing, pushing the lease, saying that was no interest for 36 months and in the end we were going just to pay the tax on the remaining balance. I then to agree on the terms and got the car, My wife left and I finished signing the deal. I never read the amounts before signing because I trusted the Honda XXXX Dearship. I went back 3 times because the numbers did not seem right, and I wanted to know how much was the remaining balance after the 36 months, but they always convinced me that they were right. My wife had a car accident and lost her car, so on XX/XX/XXXX we went to look in the given paperwork to see if we could have another loan in a car for her. So my wife printed the paperwork from a storage stick that they gave me and for our surprise, they added 2 insurances, one of XXXX and another of U {$1400.00}, besides that they put the price of the car at U {$26000.00} and after reading the Leasing document that was sent, by mail, per our request, an amount of U {$1500.00} was also added as rent charges. Honda XXXX, cancelled 2 insurances, but denied the reimbursement of the extra price in the car and the extra rental insurance.My wife spoke to Honda Financial and they said that Honda XXXX is the one who can fix it and Honda XXXX says there is nothing they can do because they don't own the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
During the pandemic I chose to use the forbearance action to stop paying the mortgage on my home for 90 days. Based on the CARE ACT I asked my loan servicer XXXX XXXX for the forbearance it was accepted. Shortly there after my credit score dropped 40 points. I am sure congress did not intend this out come, significant damage to my credit score following the CARE ACT of 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 2020-06-09 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. 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 XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  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