vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I contacted PNC bank after I received their letter and was told they were ending their relationship with this insurance company so they were canceling my coverage. THis is nine years into a 12 year agreement. The only option they gave me is to contact the insurance company and try to obtain this coverage myself. I have paid for this insurance for nine years and it is a part of my original loan agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I contacted Radius Global Solutions regarding a medical collections account from XXXX XXXX  XXXX on XX/XX/2020. There was an issue with insurance billing, and I was able to get XXXX to correct the issue and remove the balance on XX/XX/2020 and close out the account ( XXXX ). XXXX even sent me an email as proof that the bill was adjusted. XXXX originally emailed that I had to contact the collection agency to have them remove the debt from my credit reports. I contacted Radius Global, XX/XX/2020 and spoke with supervisor XXXX who told me that either XXXX would have to call, or I could get something faxed to XXXX to get account updated. I again contacted XXXX, XX/XX/2020 and the rep informed me that there was a 2nd account for me and as I waited, he reached out to his manager and she authorized him to adjust the account as well. The rep then told me that he was sending something over to Radius Global to get debt removed and he also emailed me something showing my account was updated to reflect {$0.00}. I called Radius back XX/XX/2020 and was passed around until I got XXXX, the supervisor, again. I explained that I am trying to get a mortgage loan and needed this removed immediately. I told him that the previous rep with Radius verified that the account had been recalled. XXXX verified that it was recalled but he could not get it removed from my credit report. I asked him if it made since that they would continue to report a collection that was XXXX out because it was a billing error. XXXX stated that he did not want to misinform me and have me saying that he told me something that was wrong. He stated that they dont normally receive calls requesting this, which I find hard to believe. But he said he would research and that I could call him back Monday and he might have some info. He said he would reach out to the department that does recalls. I do not believe XXXX was being honest at all. This seems to be an illegal practice for them to continue to report something that has been recalled by the original company. The account was the result of incorrect billing on XXXX part. I really need this resolved and the information removed immediately as I am trying to get a mortgage loan approved and this is holding up process.

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 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I have had a credit card with USAA for decades. I was furloughed in XXXX because of a tornado that was a Federal Disaster and then COVID-19. 

I contacted USAA several months ago to find out what my options were for managing the debt while experiencing a financial hardship. I explained to the Rep that the TN Dept of Labor was not distributing UI claim benefits - it took a call to the Senator and 10 weeks of no income. 

Since then I have received at least 280 phone calls from USAA on my mobile. I have tried to get a supervisor who might have better knowledge on how to resolve the issues, but I remain on hold until I am unable to wait. 

Please advise how to stop these stalker-like calls that I receive morning, afternoon, evening, and weekends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
This company has applied a forbearance to my account without authorization. I did not apply for this program. I hAve paid my mortgage ON TIME EVERY MONTH. I asked them to remove and update my credit It has not been done My credit does not accurately reflect my payment history. It also reflects inaccurately that defer payments starts in XXXX when again I DID NOT MAKE SUCH REQUEST. 

Ive called and emailed continuously regarding this matter for almost an entire month Ive disputed this matter with the credit bureau to no avail. 

It is these tactics that I find to be discriminatory in nature. These tactics of erroneously applying hindrances to customers who desire to take there business to other companies.. Forcing customers to fight and waste time and money to go through XXXX of removing erroneously applied programs when they have paid their mortgage on time is illegal. Incorrectly reporting information to hinder customers from moving forward with mortgage transactions is illegal. It is these invisible barriers that causes delays in process and hinders XXXX from moving forward on the back end. My account needs to reflect accurately on an ongoing basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: GA

Complaint narrative:
I have advised TransUnion on several occasions that the account reporting from XXXX XXXX XX/XX/2019 is not my account and may be a result of identity theft. I have provided proof that the account does not belong to me, and TransUnion has failed to plea their case on how they where provided this inaccurate information. Please help me resolve this matter.

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 2020-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Loancare is refusing to send me my equity balance of {$1400.00}. The home sold XX/XX/XXXX. 
The loan originated with XXXX  XXXX XXXX. XXXX  XXXX XXXX sold the mortgage to XXXX XXXX XXXX in XXXX unfortunately. I was sent the equity balance check of {$1400.00} not addressed to me, the home owner. I followed instructions by Loancare customer service to mail back the check to Virginia with a copy the deed etc. in XXXX. I've contacted them many times to correctly address the check, but they refuse.

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 2020-07-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/20 I received a purchase confirmation from XXXX  for XXXX.I never made the purchase so I immediately called XXXX who put me in contact with the bank.The bank closed the account and supposedly the purchase was cancelled.I called the bank on XX/XX/XXXX to verify I wasnt charged the rep said I wasnt charged.On XX/XX/XXXX I received an email confirming shipment to the fraudulent address.I again called the bank to make sure I wasnt charged and the charge was on my account.They started a fraud claim and I again called on XX/XX/XXXX and the bank had no knowledge of a fraud claim so they supposedly started one.I checked my account today XX/XX/XXXX and the charge is still on my account I really dont know what to do at this point to have it removed this is the worst company I have ever dealt with.

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 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DE

Complaint narrative:
PNC is not allowing me to link my checking account to XXXX  so that I may automatically transfer money to my XXXX account. PNC has somehow blocked this feature from being utilized, which does not allow me to utilize my money as I see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Erin Capital Management, LLC
State: NY

Complaint narrative:
To whom it may concern In XXXX i moved to XXXX from US. Beetween XXXX I live in XXXX. I only came to US for vacation. And i didnt receive any document from collector or Court. Our bank account was frozen on XX/XX/XXXX. ( with my husband ) My husband called the XXXX and XXXX company. The company emailed us a paper to release the account. And they never told us that we could defend ourselves. I signed the paper on the XXXX of the month and approved it from the notary. I sent the company by email. Our accounts were released at XX/XX/XXXX and {$6700.00} was withdrawn from my account for debt. On the XXXX of the XXXX, I received letters from the company and my bank separately. It is written in 2 separate letters that I can appeal. These letters were mailed to me on XX/XX/XXXX, when they guaranteed to get the money from me. 
The letters also say that if " my income is unemployment benefit '' they can not withdraw money. Even so, they withdrew the money. XX/XX/XXXX I went to the court concerned to vacated a judgment. XX/XX/XXXX was the result, Judge declined. Because my prove is to complicated. I will do clearly with my old passport. As a reason, I wrote that I was not in the US at the time, on the court date, and that my unemployment benefit was confiscated. Despite this, I was rejected. 
I complain about this company because they didn't tell me about my defense rights. What can I do legally, please help me.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-25 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I have contacted Springleaf financial who is now OneMain financial regarding removing a 30 day late in XX/XX/2014 ( their error ). I did not receive mail for several month regarding this loan around the time of the late. I have reached out to them several times regarding removing this 30 day and they continuously do not respond to my attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I contacted Macys, XX/XX/2020, regarding a collections account ( XXXX ) that I was trying to full pay for {$770.00}. I called and was told that I could not pay Macys directly, I had to contact XXXX XXXX XXXX XXXX. And that once I paid the balance they would update Macys in 24-48 hours with payment. And to allow Macys an additional 7-14 days to make sure payment posts and Macys would zero out the balance and update my account to all credit bureaus. I was transferred to XXXX XXXX XXXX XXXX. A rep told me that they could offer me a settlement of {$340.00} if paid during the call. I asked her to confirm that it would show my account was settled with a {$0.00} balance. She said yes and confirmed what the Macys rep said, to pay and allow 48 hours for update and they would notify Macys payment was made and account was settled. I asked if she could send me something in writing to confirm. The rep took my fax number and on XX/XX/2020, she sent me a letter confirming everything. After 14 days, XX/XX/2020, I contacted Macys and asked about updating my account. Macys states that they received the payment for {$340.00} and I still have a balance of {$420.00}. I explained the settlement and she said that my account will eventually update but could not tell me when. I have called and held hours, and no one has been able to assist me with getting the account updated. I even tried to call XXXX XXXX to pay the {$420.00} that Macys says is due and they will not accept it because the account has been paid as agreed. I really need to get this account updated. I am in the process of trying to get my life back on track and purchase my 1st home. My mortgage loan is pending the resolution of this account. While I know paying the account and keeping it out of collections was my responsibility, I have paid the account now when financially able and would like it updated as I was told by Macys and 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 non-monetary relief
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
Unable to activate the EIP stimulus visa debit card. The card is issued thru MONEY NETWORK CARDHOLDER SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company has applied a forbearance to my account without authorization. I did not apply for this program. I hAve paid my mortgage ON TIME EVERY MONTH. I asked them to remove and update my credit It has not been done My credit does not accurately reflect my payment history. It also reflects inaccurately that defer payments starts in XXXX when again I DID NOT MAKE SUCH REQUEST. 

Ive called and emailed continuously regarding this matter for almost an entire month Ive disputed this matter with the credit bureau to no avail. 

It is these tactics that I find to be discriminatory in nature. These tactics of erroneously applying hindrances to customers who desire to take there business to other companies.. Forcing customers to fight and waste time and money to go through XXXX of removing erroneously applied programs when they have paid their mortgage on time is illegal. Incorrectly reporting information to hinder customers from moving forward with mortgage transactions is illegal. It is these invisible barriers that causes delays in process and hinders minorities from moving forward on the back end. My account needs to reflect accurately on an ongoing basis.

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 2020-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Summit Financial Corp.
State: MO

Complaint narrative:
In XX/XX/2016 and XX/XX/2016, a representative for Summit Financial contacted my job and informed my subordinate XXXX XXXX XXXX that they were looking for me and that I was past due on my car note with the company. 
The company continued to call my place of employment disclosing information to my assistant, who was not listed as a reference on my account nor did I provide them with the contact information, nor did I authorize them to contact me at that job. 
The information was then relayed to my supervisor and negatively impacted my employment with the company.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As part of the Equifax settlement, I signed up for a free MyEquifax account. For the last four days, I have been trying to log into that account. Every time, it says, " We are temporarily unable to complete this request. Please try again later. '' There is no discernible way to ask for support on their website, so I went to their XXXX page. A private message went unanswered, and a public post was deleted. Finally, just to add insult to injury, Equifax keeps sending me e-mails asking me to upgrade to a paid service. I want to use the free service that was promised in the settlement. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I called my loan company on XX/XX/XXXX about the debit from my account due the following day. They informed me they had already contacted my bank and there was nothing they could do to stop it. They then advised me to contact my bank and order a stop payment order. I called my bank, Fifth Third, and ordered my stop order and paid the {$33.00} fee for it. I was guaranteed by two separate banking associates that this would work. I was also advised that the amount will still be debited from my account but that the day after the debit occurred that I would be refunded the debited amount. This has not happened. My account is now negative due to them not crediting my account like they told me would happen. Now they are saying that stop payments arent guaranteed and there isnt anything they can do. If they arent guaranteed then why did I have to pay them for a service that might not work? I wont get paid until another six days so my account will accrue late fees each day due to this error, even though I went through all of the necessary steps to stop a single payment with the authorization from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX - balance is showing as {$1100.00}, no account number listed ; account stated opened XX/XX/XXXX ; company address XXXX XXXX XXXX XXXX CA and XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX, listed on both Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX - no balance is showing as it seem to be an inquiry ; no account number, the address is XXXX XXXX  XXXX XXXX XXXX XXXX CT 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 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
XX/XX/2015 for {$58.00} not owed to this company because I never did business or had a contract with this company. reporting negative information to my credit profile.

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 2020-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filled a credit report dispute which was received and opened for investigation on XX/XX/24. I asked Experian to reinvestigate and send me all information gathered and used to Verify this debt is mine. Try the same day the dispute is open they update and close the inquiry for XXXX XXXX XXXX. How can you update something that quickly yet provide no explanation?

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 2020-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation