vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America edd prepaid cards closed my account on XX/XX/XXXX for reason unknown. when trying to find out why this happening i learn why I found that it the hands of fraud. I have had no luck in contacting them to learn the reason why. they just reuse to answer there phones. As for fraud i have done no such things. Yes I spent a lot money but it all been for relaunching my business and they unfair closed my account due to this is my assumption. as of now they took away my only way of surviving without ever one time talking to me about what going. I didn't do anything I m very upset. this is unfair. I have little over XXXX $ lift in there and 2 more week of unemployment benefits XXXX $ i can no longer clam that been award to me by the state and gov. i need help they won't tell me anything

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 monetary relief
Consumer complaint received 2020-05-28 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 — Investigation took more than 30 days
Company: Executive Acquisitions Group, LLC
State: MD

Complaint narrative:
over 60 days have passed since disputes have been submitted company notified me they need more time this is a violation of the FCRA. please remove accounts attached

Company response to consumer: Untimely response
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation
State: MD

Complaint narrative:
ACCOUNT RESOLUTION CORPO trying to collect {$980.00} for XXXX XXXX XXXX, the original creditor. 

XXXX XXXX XXXX claims they performed services at a specified date. They never contacted me or sent me a bill. I only heard from the collection agency, ACCOUNT RESOLUTION CORPO When I contacted XXXX XXXX XXXX, they could NOT provide me a bill to review. 
This has damaged my perfect credit report. If they had contact me, same address and phone number for over 5 years, I could have resolved it without damaging my credit. 
Please help remove this from my credit report. 

Collection Agency ACCOUNT RESOLUTION CORPO I have no information from original creditor, XXXX  XXXX XXXX. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
I refinanced my home and closed on XXXX XXXX. My new lender paid off the previous loan in full on that date to PHH mortgage d/b/a XXXX XXXX. I was supposed to be refunded my escrow amounts totaling over {$9000.00}. Instead for the past several months subsequent to my refinace with a new company I have received delinquency notices for several months from my former lender PHH for payments not owed because the loan was paid off in full with no deficiencies whatsoever. I have spoken with them on numerous occassions and they admit that they received the full pay out on XX/XX/XXXX and could not explain why it had not been applied and the account closed. They assured me that they would send my escrowed funds. It is my understanding that the law requires them to refund my escrowed funds within 20 days. It is now 42 days later and I have yet to receive my refund. When I called they said they applied the pay out on XX/XX/XXXX and not XX/XX/XXXX. That is their own internal mistake and does not justify them not returning my money. 
I believe that I should be paid interest from the date they should have paid me until I receive it and if there are any penalities applicable I request that they be imposed. If the shoe were on the other foot they would charge me late fees plus interest. Most importantly they should expedite my escrowed funds to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is not allowing me to access their website I get an error message even though all of my information is correct, I am trying to get information from them, I called the agency I was put on the phone with two separate people who both gave me different information about my account. I am not able to get accurate information from the agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 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:
Thats weird yall not letting me link my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My husband and I keep our credit reports frozen unless needed. We are exploring getting a new home and called XXXX  and XXXX  to get our credit UNFROZEN. We got customer service people on the phone and had no problem. However, with Experian we can't even get a human on the phone at all. We found the web site and my husband managed to get his unfrozen online. Mine, however, would not work even using the pin number that had been mailed to me when we initially froze the accounts in 2017. I tried using the pin, not using the pin ( answering the security questions ) and it would not unfreeze. It said I had to MAIL it. We don't have time for that! Our credit union is checking the reports within the hour. Federal law says we should be able to unfreeze our credit within the hour but Experian is offering no phone service to solve this problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand how important it is to make timely payments However, I missed payments in XXXX and XXXX of 2017 that went 30 and 60 days late with XXXX XXXX, XXXX, XXXX  and XXXX  XXXX XXXX. On XX/XX/2017 I was in XXXX XXXX XXXX having a XXXX XXXX  in which I was only suppose to be in the hospital for 5-7 days.Due to complications i spent XXXX and XXXX in the XXXX  and was not released from the hospital until XX/XX/2017. During this time I was unable to attend to my finances. Prior to this date I had not had a late payment with these companies nor have I since. I will attach a letter from my doctor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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:
i am a Victim of Identity theft. I look at my credit Files and i Notice that theirs Accounts that I did not give consent to I cant understand how could this Happen to me. this is very Stressful that my personal Information is in the hands of a stranger. please Remove these fraud Accounts from My credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of XXXX, my card number was stolen and many instances of fraud were captured. Bank of America 's system alerted my phone to the transactions and I responded saying none of them were mine and to cancel them. 

A few transactions on XX/XX/XXXX were not refunded including {$240.00} at XXXX XXXX and {$74.00} at XXXX. I called Bank of America to dispute these and they filed a claim. Unfortunately, the attendant at the call center misheard me and also included a charge from XXXX XXXX XXXX at XXXX for {$7.00} which is a transaction I made and told them. They denied my claim saying that I made the purchases. I called to appeal and told them to remove the XXXX XXXX XXXX purchase but that the XXXX XXXX and XXXX purchases were not mine. 

Later, I went in to a Bank of America branch in XXXX XXXX to follow up and a XXXX there helped me appeal again but now it just says online that is has been " researched '' for the last 5 months and for some reason the Marshalls charge was dropped so they only think they owe me the {$240.00} from XXXX. I am still looking to be reimbursed for the XXXX and XXXX fraud which would be a total of {$310.00}.

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 monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX that my loan # XXXX was being transferred to PNC Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX loan # XXXX. In a letter from PNC, I was told that funds would be drafted from my bank account and that the banking information was to be provided by XXXX XXXX. I highly objected to this. I did not give anyone permission to pass on my private information or PNC access to my financial instutution. 

After talking with PNC, I was told that my private banking information was going to be sent by XXXX XXXX without my permission and funds would be drawn from my bank account by PNC bank without my permmission. 

I placed a call to XXXX XXXX and it was explained to me that if they set-up a contract with PNC that granted the transfer of my banking information through a data conversion. Private information was to be shared without permission and accessed without permission. When I asked PNC Bank if this was legal they hung up on me and refused to discuss the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: MI

Complaint narrative:
I CHECKED MY CREDIT REPORT AT THE END OF XX/XX/XXXX AND I FOUND THESE FRAUDULENT ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE.I MADE A POLICE REPORT WITH THE CITY OF XXXX(REPORT# XXXX). I ALSO SPOKE WITH DETECTIVE CORPORAL XXXX  XXXX(XXXX). I THEN SUBMITTED THIS INFORMATION TO ALL 3 CREDIT REPORTS IN PURSUIT TO SECTION 605B(c) OF THE FAIR CREDIT REPORTING ACT, SO THAT THE CREDIT BUREAUS COULD REMOVE THESE FRAUDULENT ACCOUNTS. IT HAS BEEN OVER 30 DAYS AND I STILL DO NOT HAVE A RESPONSE FROM XXXX  AND XXXX. EQUIFAX REPLIED BACK STATING THAT THEY ARE NOT GOING TO HONOR MY REQUEST.

XXXX XXXX XXXX
$XXXX	
OPENED-XX/XX/XXXX

XXXX XXXX XXXX
$XXXX
OPENEDXX/XX/XXXX

XXXX XXXX
$XXXX
XX/XX/XXXX

INQUIRIES BELOW

XXXX/XXXXXX/XX/XXXX

XXXX/XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXX  XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: MI

Complaint narrative:
I CHECKED MY CREDIT REPORT AT THE END OF XX/XX/XXXX AND I FOUND THESE FRAUDULENT ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE.I MADE A POLICE REPORT WITH THE CITY OF XXXX(REPORT# XXXX). I ALSO SPOKE WITH DETECTIVE CORPORAL XXXX XXXX(XXXX). I THEN SUBMITTED THIS INFORMATION TO ALL 3 CREDIT REPORTS IN PURSUIT TO SECTION 605B(c) OF THE FAIR CREDIT REPORTING ACT, SO THAT THE CREDIT BUREAUS COULD REMOVE THESE FRAUDULENT ACCOUNTS. IT HAS BEEN OVER 30 DAYS AND I STILL DO NOT HAVE A RESPONSE FROM EXPERIAN AND XXXX. XXXX  REPLIED BACK STATING THAT THEY ARE NOT GOING TO HONOR MY REQUEST.

XXXX  XXXX XXXX
$XXXX	
OPENED-XX/XX/XXXX

XXXX XXXX XXXX
$XXXX
OPENED-XX/XX/XXXX

XXXX XXXX$XXXX
XX/XX/XXXX

INQUIRIES BELOW

XXXX/XXXXXX/XX/XXXX

XXXX/XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: CA

Complaint narrative:
I was trying to buy a car at XXXX and when they ran my credit to see if I qualified to finance through them, I was told that they could not approve me because there were one or more accounts in negative standing on my report. I looked through my credit report because I thought I didn't have any bad accounts on my credit but I saw about eight accounts on my credit report with negative payment history ; I wasn't aware of these accounts before today XX/XX/20 because none of them are mine. I didn't open any of those accounts and I did not allow anyone to open them in my name. I do not have any written or verbal contract with any of the companies I listed nor did I benefit anything from those accounts such as money, goods, services or anything else and I did not make payments towards those accounts. I have already filed a police report regarding these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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:
I was trying to buy a car at XXXX and when they ran my credit to see if I qualified to finance through them, I was told that they could not approve me because there were one or more accounts in negative standing on my report. I looked through my credit report because I thought I didn't have any bad accounts on my credit but I saw about eight accounts on my credit report with negative payment history ; I wasn't aware of these accounts before today XX/XX/20 because none of them are mine. I didn't open any of those accounts and I did not allow anyone to open them in my name. I do not have any written or verbal contract with any of the companies I listed nor did I benefit anything from those accounts such as money, goods, services or anything else and I did not make payments towards those accounts. I have already filed a police report regarding these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient claims in a letter dated XX/XX/XXXX that they may be able to postpone my payments if I am experiencing economic hardship. This letter also states that they are not updating the historical payment record with the credit bureaus as their position is that they did not receive payments during the months reported as past due. 

First of all, this letter I never received by mail, nor was it uploaded in the digital mailbox in the website. If it were not for the previous complaint and the company 's response including a pdf of this letter, I would not have had this reference. 
Second, had I not been steered to a repayment plan that does not address my financial needs my payments would have been postponed for up to a year ( not 60 days ). 

It is extremely discouraging and frustrating that even after my first formal complaint when I call with questions about repayment options I continue to be misinformed and steered towards a option that does not help me, but rather causes harm. As a XXXX person, I try my best to simplify transactions so as to keep me in good standing. I would not have missed any payment had the payments been postponed under a program that I so clearly qualified for and should have been given the option to over the phone. 

I can not begin to list the ways the negative reporting has and continues to affect me. Simply saying that this has been addressed and providing a copy of a letter never mailed is not a tangible solution. 
A true and meaningful way for Navient to solve this is to reach out to me via phone or email and ask me about my financial situation and correct the negative reporting. As early a XX/XX/XXXX I would have been approved for a 12 month payment suspension and clearly this would still be effective today. My XXXX benefits continue to be my only source of income since XXXX of XXXX. It does not make any sense that I would miss a payment or payments without first addressing Navient about my financial information and XXXX  XXXX/XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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:
These accounts are not mine nor did I authorize these companies to run my credit. 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 2020-05-28 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I hold a home mortgage with Wells Fargo, and they have been on autopay up until XX/XX/2020. Wells Fargo offered deferment of payments for 3 months, due to Covid-19 hardships ( like many banks ), but did not disclose at the time it would report my mortgage as Account In Forbearance, and further, show Amount Past Due on billing statements. No other banks or companies did this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: CA

Complaint narrative:
I was trying to buy a car at XXXX and when they ran my credit to see if I qualified to finance through them, I was told that they could not approve me because there were one or more accounts in negative standing on my report. I looked through my credit report because I thought I didn't have any bad accounts on my credit but I saw about eight accounts on my credit report with negative payment history ; I wasn't aware of these accounts before today XX/XX/20 because none of them are mine. I didn't open any of those accounts and I did not allow anyone to open them in my name. I do not have any written or verbal contract with any of the companies I listed nor did I benefit anything from those accounts such as money, goods, services or anything else and I did not make payments towards those accounts. I have already filed a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ONEMAIN FINANCE CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020 I recieved a notification from XXXX  credit bureau that One Main financial company of XXXX Indiana had checked my credit score for financial services. I did not inquire for any Services through this company nor did I authorize anyone there to pull my credit report. I reached out to this company and filed a complaint with the XXXX XXXX XXXX. I have yet to recieve any resolve or an explanation as to why my information was accessed by this company.

Company response to consumer: Closed with explanation