vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: CO

Complaint narrative:
We were given a mortgage assistance grant to pay for one month of our mortgage. The company issuing the grant made the check directly to the mortgage company and gave us a copy for our records. The mortgage company contacted us a few weeks later to say they needed payment and had no record of a check. We contacted the grant people and they issued another check, this time by return receipt mail. They called us to say someone signed for the check so the mortgage company had received it. We made a payment for XXXX to keep from getting behind and the grant would just go to XXXX. Mortgage company called us again saying they needed payment. We talked to a manager who located the check and said we were ok. Now weeks later they are asking us for payment again saying they dont have the check. I'm afraid the company issuing the grant isnt going to want to write a 3rd check and the mortgage company is just going to lose it again. Our mortgage transferred to another company and that company says we are caught up. We are just dealing with the original company saying we owe them money and we dont. We tried to contact them again and no one has gotten back to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I applied for an Old Navy credit card and was sent a letter of denial. The reason stated for the denial was " You had a credit account recently closed by Synchrony Bank ''. There was no credit report pulled because they did not list one on the denial letter. They did not include any information on the denial letter for me to dispute the denial. 

I haven't had any accounts that were my responsibility with Synchrony Bank that recently closed. 

I was an authorized user on some Synchrony Bank accounts that were closed. 

I feel as if they didn't give my application and fair and reasonable review.

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 2020-07-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations fcra inaccurate information showing on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
Spoke to National Credit Systems about an apartment eviction account. Informed I never lived at the address, never applied for an apartment or cosigner. The date of birth on their record does not match mine nor does the drivers license number they provided. They refuse to validate the debt or provide me information about the original creditor. 

They told me I had to prove I did not owe the money by mailing them a copy of my drivers license and social security card and a fraud affidavit to them explaining I did not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my bank account in order to file for a PA covid 19 grant and am getting a message that PNC has made a change that has prevented this link from taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has continued to post bad information on my credit report. None of my reports say the same thing. The more information I provide the worst the reporting gets. 

I have attached proof that I have been paying my account. 

I will be contacting a lawyer and the AG of Texas about this. This false reporting is causing me hardship. 

1. ( XXXX  ) CITICARDS CBNA Last reported XX/XX/2020 {$120.00} Reported balance PAYMENT HISTORY You've made 70 % of payments on time All 2020 payments are reported as LATE. 
Minimum monthly payment {$25.00} 2. ( XXXX  ) CITICARDS CBNA Last reported XX/XX/2020 {$99.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Minimum monthly payment {$25.00} 3. ( XXXX  ) CITICARDS CBNA Last reported XX/XX/2020 {$120.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Monthly payment {$25.00}

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 2020-07-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations fcra inaccurate information showing on credit

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 2020-07-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations fcra inaccurate information showing on credit

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 2020-07-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax and XXXX  should not be reporting a collection/chargeoff in the amount of {$4900.00} on the XXXX  partial account number **** XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and later found in XXXX, Tennessee. ( I have also attached a copies of the police reports and incident report. ) Since the vehicle was stolen, my insurance covered any and all outstanding balances due and owing. There are no outstanding balances due and consequently nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: AR

Complaint narrative:
I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLESE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME. XXXX XXXX {$20000.00}

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 2020-07-01 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: AR

Complaint narrative:
I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLESE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME. XXXX XXXX {$20000.00}

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 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PMC wont allow me to link accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I recently received another letter in reference to an apartment complex. Nevertheless, XX/XX/XXXX, I was XXXX in that apartment complex by XXXX people. The apartment was aware because the security officer seen it and came to help in after being attacked. Furthermore, management property that was originally over the property stated to me that because of the XXXX incident that I have a right to leave immediately. However, I been receiving tactic letter and harassing letter. This account is not in my name. This account is associated with my baby mother. However, she does not owe as well because she left this complex in XX/XX/XXXX. Furthermore, I have checked my consumer report and this debt is not on there and I do not owe.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am trying to transfer money from my PNC account to the investing platform XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws

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 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was told by PHH that they had received my Authorization release form signed and completed. XX/XX/XXXX letters from PHH dated XX/XX/XXXX XXXX XXXX stated they needed more time they would reach out and hope to resolve this by XX/XX/XXXX XXXX2nd letter from PHH dated XX/XX/XXXX XXXX XXXX more time is needed XX/XX/2020 *3rd letter datedXX/XX/XXXX she stated no proof of payment XX/XX/XXXX.not true " see bank statements '' payment out and payment return.. 

XX/XX/XXXX I called PHH spoke XXXX Agent # XXXX was told to have my Attorney to call them to do payment plan ... this is nuts TIME IS STILL CLICKING ... 
I also told him. I was just going to send payment anyway. I didnt this are the very practices why I had to file for protection ... 

3rd Complaint ... .Please help XXXX XXXX Widow of XXXX XXXX XXXX , US 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
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-07-01 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: TN

Complaint narrative:
XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$4900.00} on the XXXX  partial account number **** XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and later found in XXXX, Tennessee. ( I have also attached a copies of the police reports and incident report. ) Since the vehicle was stolen, my insurance covered any and all outstanding balances due and owing. There are no outstanding balances due and consequently nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: MS

Complaint narrative:
I received a loan from ( mypaydayloan.com ) On XX/XX/2020 I was deposited {$400.00} into my account. My payment date was XXXX XXXX you have to submit a payment a few days before. Their website payment options is pay full amount {$520.00} OR pay minimum amount {$120.00}. I paid {$120.00} the minimum because of the coronavirus I was struggling to get everything paid for being the only one working and husband wasnt set up on unemployment yet. Every 2 weeks they would take out the {$120.00}. In XXXX I looked at my account and they are claiming I havent made a single payment yet. I called them and the man I spoke with barely spoke XXXX, told me I still needed to pay the {$520.00} that all I was paying for was renewing the loan for the next 2 weeks for {$120.00}! They have renewed my loan apparently 10 times! After not getting anywhere with him I emailed the company and sent them pictures of my account and how much I have paid. I only got an email saying I havent paid a single payment yet. I live in Mississippi, the laws are very different here. They said the MS laws dont include them. I honestly dont think this is a legit company from XXXX XXXX. On their website it says they are licensed in MS , I dont think that is true either. However, I have paid this company {$1200.00}! Every 2 weeks {$120.00} comes out of my account. If I had know I wasnt paying on the principal I would have paid it off when I got my stimulus check. Their website is very misleading! They are scheduled to take another {$120.00} out XX/XX/XXXX. I have certainly learned my lesson on online loans. These companies will take advantage of people who are in need from the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$4100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a lease with an apartment lease and lived in the unit for the full term of the lease. I provided proper notification well within the time allotted per the lease agreement to vacate and therefore there is no outstanding balance due and nothing to collect and/or chargeoff. I was not aware there were any issues and that this account had gone to collections until I obtained a most recent copy of my credit report. I have contacted the bureaus and XXXX XXXX XXXX to fix this however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws

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 2020-07-01 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: TX

Complaint narrative:
XXXX has continued to post bad information on my credit report. None of my reports say the same thing. The more information I provide the worst the reporting gets. 

I have attached proof that I have been paying my account. 

I will be contacting a lawyer and the AG of Texas about this. This false reporting is causing me hardship. 

1. ( Transunion ) XXXX  XXXX Last reported XX/XX/2020 {$120.00} Reported balance PAYMENT HISTORY You've made 70 % of payments on time All 2020 payments are reported as LATE. 
Minimum monthly payment {$25.00} 2. ( XXXX  ) XXXX  XXXX Last reported XX/XX/2020 {$99.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Minimum monthly payment {$25.00} 3. ( XXXX  ) XXXX  XXXX Last reported XX/XX/2020 {$120.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Monthly payment {$25.00}

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 2020-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has continued to post bad information on my credit report. None of my reports say the same thing. The more information I provide the worst the reporting gets. 

I have attached proof that I have been paying my account. 

I will be contacting a lawyer and the AG of Texas about this. This false reporting is causing me hardship. 

1. ( XXXX  ) XXXX  XXXX Last reported XX/XX/2020 {$120.00} Reported balance PAYMENT HISTORY You've made 70 % of payments on time All 2020 payments are reported as LATE. 
Minimum monthly payment {$25.00} 2. ( Equifax ) XXXX  XXXX Last reported XX/XX/2020 {$99.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Minimum monthly payment {$25.00} 3. ( XXXX  ) XXXX  XXXX Last reported XX/XX/2020 {$120.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Monthly payment {$25.00}

Company response to consumer: Closed with explanation