vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/22 I attempted to access the funds that were deposited to my account in the amount of {$1800.00}. I was unable to access my funds and contacted the bank. They informed me my account was being closed and I would not be allowed access to any of my funds. 

I was provided no advanced notice and was not contacted in advance that my account would be closed. In my attempts to get more information no one was able to provide me with any details other than the bank would not allow me to access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-21 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: PA

Complaint narrative:
I sent several factual disputes to Transunion, requesting that they investigate an account ( XXXX 's Acct # XXXX ) which continues to report inaccuracies. The inaccuracies I disputed were taken directly from the report Transunion provided me. 

Transunion did not investigate my disputes. Transunion sent me an " Investigation Results " letter without investigating the account for inaccuracies. They did not furnish me with proof of their investigation, because they never conducted one. Transunion did not disclose to me any methods used for investigations. 

This account, by law, was required to be deleted because of unverified information and incomplete information which was not updated. 

Transunion has committed the following violations against me. 

1. Failure to provide me with the information used to determine the result of their investigation. They have not provided me with any proof ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 5. Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )

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 2022-01-21 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: AL

Complaint narrative:
This complaint is to get assistance with the credit reporting agencies that are not resolving the issues of my credit file. I mailed out letters to show claim of my identity theft or claim of accounts listed on my file without my knowledge. They have yet to respond with a valid response per consumer law 15 USC 1692 ( g ) Validation Debts. I am requesting since the CFPB is the government and the credit reporting agencies are not just a company to please require them to follow the law. I will not validate the accounts I have requested to be removed or corrected because they are not mine or are closed and the inaccuracy needs to be corrected.

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 2022-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XXXX I took out a Parent Plus Tuition Answer Loan from Sallie Mae for my son as he was going to school. I was told this loan could be used for anything. I paid the interest while he was in school so I would not increase the principal. I noticed once the loan was transferred to Navient they capitalized and added all the payments I made to the loan increasing the balance. I contacted Navient and they said the online system was wrong and that the amount I owed was now {$10000.00} more. 
During the recession I needed assistance and they told me my only option was forbearance. 
In XXXX I filed chapter XXXX bankruptcy and this debt was included in the proceeding. All debts were discharged. However, when I called Navient they said that this was a " school '' loan and not dischargeable. I have since learned this is not true. 
A Parent Plus Loan Tuition Answer is not considered a school loan as it does not have to be used for school or can the interset be deducted like a school loan and is in fact a personal loan. This should have been discharged in XXXX. 
I am STILL paying on this loan with no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a letter in the mail from Bank of America indicating that an account had been opened in my name along with a debit card to activate. I am a victim of identity theft. I tried to resolve this with 3 different BOA reps on XX/XX/XXXX via XXXX. They make it virtually impossible to get a human being on the line. I was told by the first woman that an application had been filed on XXXX using my name, SS # and birth date. She appeared to want to help but put me on hold twice and then disconnected. Same thing happened with the second man I finally spoke to. Put me on hold after taking all my info and then disconnected. Drove to a local BOA branch and no human works there - only kiosks that have you push a red button and wait for a clock to count down to have someone appear on the screen except all that happened was the clock started over. Left in disgust. Called again and spoke to man # 3 - same drill. Asked him to take my home number down in case we got disconnected which of course we did. Now 2 days later still have not had a call back. Thoroughly unacceptable and I want resolution of this matter. I am attaching what I received and blacked out my name, fraudulent account number, address, etc. per the instruction on this site.

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 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
In XXXX of XXXX my loan was with the company XXXX. During that time I was approved for a Forbearance program that would allow me to not make any payments for 180 days ( Document enclosed ). In XXXX of XXXX I started making my payments again ( Document enclosed ). I continued making my regular payments with the understanding from XXXX XXXX that forbearance balance would be added to the end of my loan. Since that time my loan was sold to Gregory Funding. They insisted they picked up my loan in XX/XX/XXXX it was delinquent and due for all subsequent installments even though I was in the forbearance program. For the past 5 months I have been trying to get re-fiance with XXXX XXXX. This process has been held because besides the amount of the loan of {$310000.00}, Gregory Funding is demanding an additional {$11000.00} for the forbearance balance and additional fees. XXXX XXXX specifically stated I would be charged any fees while i was in the forbearance program. Now Gregory Funding sent me a letter stating this " Mystery '' fee is due to when my loan was owned by XXXX in XXXX. My loan has been sold 4 times since than and this " mystery '' has never been mentioned by any of the other companies that owed the loan. I have researched Gregory Funding and there has been numerous complaints to the XXXX XXXX XXXX with customers complaining about this same situation once Gregory Funding got a hold of their loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX XXXX signed a buyers order for a vehicle of a XXXX XXXX XXXX from the dealership, XXXX XXXX XXXX while a loan is being processed, in financing with VEROS CREDIT. 

As of Tuesday, XX/XX/XXXX, I was given a text from VEROS CREDIT, number XXXX, that my loan was pending, and that I needed to send proof of residence, pay stub. And was given a similar text, Wednesday, & Thursday. 

As of Friday, XX/XX/XXXX, I received an email from XXXX XXXX XXXX stating, " Well, XXXX unfortunately since the vehicle still belongs to us and you have hone dark with communication we have no choice but to report the vehicle stolen your temporary registration has been cancelled. ~XXXX XXXX '' I am confused on the matter ; can a car dealership do such practice in such a short period, without even giving me a warning or something. I'm reporting this, because I feel I am being treated unfairly, even I talked to VEROS CREDIT on Monday, and scheduled Friday, XX/XX/XXXX to talk on starting loan payments.

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 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: South East Collection Specialist
State: GA

Complaint narrative:
This company called my mother and told them they were looking for me concerning a debt. I called the company back and left my number. The next day the company calls and tells me they are a law firm bringing litigation against me for a debt I supposedly owe. I asked the representative to mail me a copy of the original debt that I supposedly owed to verify its authenticity, at this point the representative became very irrational and confrontational. I stated to never call me again. This phone call has been proceeded by several calls over the past few days.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I used my Chase debit card to pay XXXX XXXX Credit Services {$200.00}. 
On XX/XX/XXXX, XXXX XXXX Credit Card Services reversed the {$200.00} credit. 
I have asked Chase repeatedly why they reversed the {$200.00} credit. 
I asked an attorney to send Chase a letter asking this question. The attorney sent Chase a letter on XX/XX/XXXX and Chase has never responded to the attorney. 
I have included detailed letters and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/21 I met up with someone to purchase a product in the amount of {$200.00} with XXXX, which always goes through almost instantly. This payment was authorized for that day, not the following day. The person claims they didn't receive the first payment. So I went a head and did another XXXX payment which went through immediately. The next day it shows 2 payments went through.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
An account with Affirm was opened up fraudulently under my personal information due to myself being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: FL

Complaint narrative:
National Recovery Agent Collection Date XX/XX/2020 Attempting to collect a debt without validation

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 2022-01-21 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: AE

Complaint narrative:
Credit check to the XXXX Major Credit Bureaus company name- XXXX XXXX XXXX  The inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: AE

Complaint narrative:
Credit check to the XXXX XXXX Credit Bureaus company name- XXXX XXXX XXXX  The inquiry was not authorized.

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 2022-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got a call at the beginning of the year from the homeowner at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX saying that there was a lien/deed for {$80000.00} on her property that was put there by Chase in XX/XX/XXXX. I have never been on title on that property. I was the listing agent/Realtor in XXXX and my Aunt & Uncle ( who have since passed away ) sold the home to the innocent homeowner who paid all cash ( so there was no Chase error in that manner. I believe I had at one time used that address as a mailing address as I was traveling a lot. 
I have made many calls and emails to Chase to remove the deed and since last week they have gone dark on me. I had an escalation expert and last we spoke this was with the legal department and there was " no update ''. Meanwhile this Title fraud is holding up the sale of the homeowner 's property and putting my real estate license and professional reputation at jeopardy. 
Additionally, I do not owe {$80000.00} to Chase. 
Chase failed to provide the original loan documents and service transfer documents from WAMU to Chase upon request. I have requested these documents 3 times in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX TD Auto Finance put a negative 30-day late payment on my account. I have been paying the same, fixed amount every month for over 6 years. After reviewing my payment history provided by TD Auto Finance it clearly shows that NO payment was ever 30 days late. My final payment was due on XXXX and it was paid on XX/XX/XXXX. I contacted a supervisor and was told that typically clients are supposed to get a statement for the last month of the loan but since I had auto bill pay set up those statements didn't generate. The supervisor also said that it was unusual I didn't get contacted because after looking at my account there was never an email, statement or phone call sent to update me on the balance ( they had my correct contact info on file ). This is clearly a TD Finance error and TD Auto Finance recognized it on their end because they removed the late fee. However, they are still reporting a negative 30-day late mark on my credit causing My score to drop over XXXX points because of their inability to properly & transparently bill their clients. Now I can't get a mortgage due to this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 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: AL

Complaint narrative:
This complaint is to get assistance with the credit reporting agencies that are not resolving the issues of my credit file. I mailed out letters to show claim of my identity theft or claim of accounts listed on my file without my knowledge. They have yet to respond with a valid response per consumer law 15 USC 1692 ( g ) Validation Debts. I am requesting since the CFPB is the government and the credit reporting agencies are not just a company to please require them to follow the law. I will not validate the accounts I have requested to be removed or corrected because they are not mine or are closed and the inaccuracy needs to be corrected.

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 2022-01-21 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: AL

Complaint narrative:
This complaint is to get assistance with the credit reporting agencies that are not resolving the issues of my credit file. I mailed out letters to show claim of my identity theft or claim of accounts listed on my file without my knowledge. They have yet to respond with a valid response per consumer law 15 USC 1692 ( g ) Validation Debts. I am requesting since the CFPB is the government and the credit reporting agencies are not just a company to please require them to follow the law. I will not validate the accounts I have requested to be removed or corrected because they are not mine or are closed and the inaccuracy needs to be corrected.

Company response to consumer: Closed with explanation