vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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:
When applying for something in my name in XXXX i got denied. When I was provided a copy of my credit report, i saw things on there that were inaccurate. I sent letters to the credit bureaus back in XXXX and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response from them. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

They are not in compliance and I want/need this issue resolved asap. 
Things on my credit report needs some action taken behind it.

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 2020-08-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When applying for something in my name in XXXX i got denied. When I was provided a copy of my credit report, i saw things on there that were inaccurate. I sent letters to the credit bureaus back in XXXX and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response from them. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

They are not in compliance and I want/need this issue resolved asap. 
Things on my credit report needs some action taken behind it.

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Hi - I didn't opend the credit card with SYNBC/AMAZON XXXX. I explaned serveral instances that, the card is not mine and they charged fines and penalties and they made bill of XXXX dollors. This card is mine and requested SYNBC/AMAZON to investigate as card not opened by mine. They are keep ignoring my calls and reported this to credit bureaus. its impacting my credit very badly. Hence I am reaching you for your help.

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 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Unauthorized Withdrawal for the amount {$240.00} for the second time this month. XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
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: FL

Complaint narrative:
Capital One took over the Walmart Credit card account from XXXXXXXX XXXX. I called XXXX XXXX  in XXXX due to not receiving a statement. I was advised at that time they no longer handle the account and to call Capital One. I called Capital one and advise the account was past due. I advised the representative a bill was never received and I had no idea the Walmart credit card was being serviced by another company. We discovered the reason no bill was received is because my address was incorrect. The address was updated, the representative removed the late fee, and stated my credit would not be effected in any way. I checked my credit report and saw Capital One reported the account late 30 days. I called and spoke with a representative that stated would have it removed since I never received a bill. However, the late reporting was not removed per conversation with representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 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: NM

Complaint narrative:
Equifax, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: LA

Complaint narrative:
I just completed a 5 year bankruptcy with M & T Bank. It has been a complete and utter nightmare! Though my payments have not always been on time, they are being made. Since XXXX i have been having trouble with the bankruptcy department giving me correct information and breakdown. I always asked before paying my payment which month it is being added to because i know it is a recorded line and the next time i would call funds would be applied to a separate month and i would have to file a complaint and they would look into it and of course i would end up paying extra money. Now, i have been keeping records and in XXXX they sent me a breakdown of what was owed and i sent a check. Every month i would have to send a check via UPS ( as per their request because they would not let me make payments over the phone ) since it was the end of my bankruptcy and my account was in " suspense '' i kept track of every check in 2020 and in XXXX i sent two checks one for XXXX one for XXXX. M & T Bank held one of the checks in suspense and when i asked for the funds to be applied in XXXX & XXXX, finally in XXXX they applied the funds to XXXX. Now they are claiming i owe for two months and i filed a complaint with back-up documentation including a breakdown that was sent from their lawyer to my lawyer and the representative is still arguing with me telling me im incorrect. I have made monthly payments, lawyer payments, suspense payments and i should be due for my XXXX mortgage payment. I have attached all of the recent payments made and the breakdown sent to my lawyer from M & T bank. I am petrified they are actively trying to foreclose on my home! Please help. i can answer any and all questions. 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
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I can not verify my Pnc bank acct using the XXXX browser through XXXX which is causing me not to get my crypto earnings which is anywhere from $ XXXX {$200.00} a month. Please allow XXXX  to verify from XXXX it is hands down the best browser. I also can not use uphold with my debit nor routing and account number which is the virtual wallet used with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: NM

Complaint narrative:
XXXX, XXXX and Trans Union are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2020-08-06 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: NM

Complaint narrative:
XXXX, Experian and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI
State: NJ

Complaint narrative:
I spoke with the company General Revenue Corporation in XXXX of 2018 and they advised me that if I paid off my debt in full they would remove the mark from my credit score. Now 2 years later I apply for a mortgage and discover the collection is still listed on my credit report. I attempted to call the company to give them a chance to remove it assuming it was a mistake, and they inform me its company policy for them to never remove from a credit report. This contradicts the deal that we agreed on when I originally agreed to make the payment. The manager acknowledged they do have the ability to remove, but due to their company policy they will not do so. I would caution all those who are being contacted by General Revenue Corporation to be wary of payments back to the company as they will tell you they will remove from your credit report, but will not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am trying to link my PNC Checking account with XXXX and I received a message stating PNC has recently changed my account so I can not link it to any other accounts. I was not made aware f this change nor asked if I want this change in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Unable to have PNC connect to 3rd party money savings account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I just recently opened an account with XXXX XXXX with the intent to trade stocks on a small scale. In attempting to link my account at PNC bank I was given a message that says PNC has restricted the linking of my account to this company. I see no reason for this restriction. I am serious about what I do from a business perspective so please investigate this matter and relay the outcome as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: FL

Complaint narrative:
Hi, XXXX XXXX is showing on my credit report. This debt is older than 7 years but Equifax, XXXX  and XXXX  continues to report it. Dates keep changing. When will it ever come off of my report??? Ive had an issue since day one when the salesman lied and told me that with my trade in I was going to receive a special of 90 days no payments due only to find out that wasnt true which made my first and second payment late. Can you imagine your very first and second payment being past due? I thought I had 90 days! So I was playing catch up from day one. Then they signed me up for every extra service and charge known to man.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Im a victim of santander multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: GA

Complaint narrative:
On XX/XX/2020 We went under contract on a home located at XXXX XXXX XXXX XXXX GA XXXX. We sent all the paperwork as soon as the underwriter requested it. We have provided everything immediately. All our record were in order. 

I paid for the appraisal on XX/XX/2020. The appraiser scheduled the appointment 2 weeks later and we had to send an amendment to ask for more days on the appraisal contingency. After waiting forever the appraisor gave a report that was messy. This made the underwriter ask for more documentations which prolonged the closing. We spent 5 days trying to contact the appraiser to fix  the errors. 

After the underwriter noticed that the appraiser was not cooperating they dismissed it. After not being able to close on the agreed date of XX/XX/2020 we push the closing to XX/XX/2020. We were happy that all the conditions were met until the underwriter started taking more than 72 hours to respond. 

The lender would call the account manager and underwriter at Orion Lending and send emails and they would not get back to us. On Monday XX/XX/2020 the underwriter ask us to send the proof that the earnest money was deposited. I mean really at this time in the process they want to ask for something so simple and prolong the closing evening more. 

We have to give a 60 notice to our apartment complex and now we are living in our car with our XXXX year old son because of the underwriter fault. Today is XX/XX/2020 and we have not heard from the underwriter that was supposed to respond back to us immediately. My lender has been calling them and emailing them every hour on the hour and they have not reached back out to us. This is pitiful and this company should be shut down for negligence. 

We even had to make an agreement to give the seller XXXX months rent to allow them to wait for us as we close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Was told they were allowed to run my credit to sell my closed written off debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
I sent a letter verifying my debt on XX/XX/XXXX. Haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: TX

Complaint narrative:
Equifax is reporting false or fraudulent information on my credit report. There is an inquiry on my report from XXXX XXXX which occurred in 2019. I have no knowledge of this company nor have I authorized or signed any contracts. I have sent dispute letters to Equifax twice, and results have came back in the decision not to remove an inquiry that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Phone number XXXX employee XXXX XXXX left 2 messages after it was explained to her that we do not have a current loan with Ally Financial. 

I called Ally Financial and asked them to stop calling. The representative stated they are looking for XXXX or XXXX ( not a member of our family ). I asked how they obtained our number and was told that they just called numbers with similar names and states looking for potential family members. 

My first thought was someone had a loan in our name or used us as a reference. I was told that we do not have a current loan and our number is not associated with the account they are trying to collect.

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 2020-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
On XXXX XXXX, XXXX, I had XXXX XXXX XXXX XXXX. We contacted Loancare to do a loan modification. We were approved for a trial plan and made the 3 payments in XXXX, XXXX and XXXX. XXXX advised us that they would send us the final modification paperwork which we received on XX/XX/XXXX. It stated that our first final modification payment would be due on XXXX XXXX, XXXX. They said nothing about any other payments before the XXXX. payment. I called Loancare on XX/XX/XXXX to confirm the XXXX XXXX payment. I spoke to XXXX with Loancare and he said that we had defaulted on the trial plan because we missed a XXXX payment. We were not aware of a XXXX payment due. He said that they had tried to contact me by phone 3 times. I didn't have that phone number anymore because it was a company phone that I had to turn back in. XXXX has my wife 's phone number and is authorized to contact her. She was never contacted. There were other ways to contact us. They have my e-mail also. I explained to XXXX that we had and have the money for the XXXX payment. He said that they can not accept our money now because we have defaulted. We have worked for 6 months to follow their modification plan. We were not aware of a XXXX payment between the trial payments and the final modification payments. Many people can not make their mortgage payments right now but we can and we want to so that we can keep our home and fulfill our obligations.

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 2020-08-06 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: FL

Complaint narrative:
Hi, XXXX XXXX is showing on my credit report. This debt is older than 7 years but XXXX, TransUnion and XXXX  continues to report it. Dates keep changing. When will it ever come off of my report??? Ive had an issue since day one when the salesman lied and told me that with my trade in I was going to receive a special of 90 days no payments due only to find out that wasnt true which made my first and second payment late. Can you imagine your very first and second payment being past due? I thought I had 90 days! So I was playing catch up from day one. Then they signed me up for every extra service and charge known to man.

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 2020-08-06 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: FL

Complaint narrative:
Hi, XXXX XXXX is showing on my credit report. This debt is older than 7 years but XXXX, XXXX   and Experian continues to report it. Dates keep changing. When will it ever come off of my report??? Ive had an issue since day one when the salesman lied and told me that with my trade in I was going to receive a special of 90 days no payments due only to find out that wasnt true which made my first and second payment late. Can you imagine your very first and second payment being past due? I thought I had 90 days! So I was playing catch up from day one. Then they signed me up for every extra service and charge known to man.

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 2020-08-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Various conflicting explanations as to why I have not received the card that is holding hostage all of my unemployment benefits from XXXX to XXXX. refusal to approve an emergency cash transfer

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