vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am trying to link my PNC bank account with my acorns investment app. PNC is not allowing me to link the two accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have multple Incorrect address on my credit report that I need deleted from my credit report immediately as these addresses do not belong to me. 

Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, My CORRECT address is XXXX XXXX XXXX, XXXX IL XXXX. I ask that you please correct this information. 

Also the following inquiries are incorrect and should be deleted from my reports immediately : XXXX XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, Thank You

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 2020-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
Lonestar Title Loans forged a signature on a second loan to void out my sell of the vehicle. They only said they would buyout his loan at XXXX  XXXX XXXX not put the car back in my name. I thought it was strange they had me signing paperwork. Then they continued to harass me after telling them the car was totaled and sending proof, and talking to regional dmv office receiving proof of forgery. To this day they are texting and leaving voice-mails with personal and threatening information not knowing who's phone they are actually calling. This all occurred between XX/XX/2019 to present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
Appx XX/XX/2006 I purchased a home for XXXX and financed XXXX, so I was required to pay PMI, I am currently at XXXX I have requested the PMI be closed multiple time since reaching my 80 % purchase price but have been denied every time. The loan servicing has changed hands multiple times and one company has even been in some sort of trouble. I have sent information from your website but they don't seem to care. I was in bankruptcy for the 5 years and they wouldn't even talk to me. I did not include this property in the bankruptcy, I made all payments outside the plan and on time. Please help me get this PMI canceled and a refund of multiple years of over payment Thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NV

Complaint narrative:
These are not my accounts, nor did I live at these addresses. I also didn't authorize these companies to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I opened a Sam 's Club credit card. When I called to activate the card, I was told I was getting a {$100.00} Walmart gift card. I verified the card number, expiration date and code on the back as well as my mailing address. I was put on hold but got disconnected. The person called me back and verified my email address for confirmation purposes and I was put on hold again. I was on hold for 10 min. before I hung up. I called back the 2 numbers because it seemed very fishy at that point. When I called back I got a message that the numbers were not in service. I called the customer service number on the credit card and cancelled it after explaining what had happened. They indicated that they had no such promotion so it was obviously a scam. I don't know how the number got transferred but these are all the phone numbers involved. I called them back twice and got something different each time. I'd like this to be investigated so that others won't get fooled. 

Original activation # XXXX 1st " promotion '' # XXXX 2nd " promotion '' # 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 2020-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC
State: AZ

Complaint narrative:
I received a pre approved offer in the mail for a debt consolidation LOAN. 

The representative repeatedly kept referring to this as a loan while soliciting a monthly payment that would be set aside to settle these accounts. 

They were using extremely deceptive and false claims about my current credit score and credit profile. I am concerned that other consumers less savvy regarding these issues could be easily duped by their process causing severe damage to their credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts, nor did I live at these addresses. I also didn't authorize these companies to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NV

Complaint narrative:
These are not my accounts, nor did I live at these addresses. I also didn't authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have multple Incorrect address on my credit report that I need deleted from my credit report immediately as these addresses do not belong to me. 

Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, My CORRECT address is XXXX XXXX XXXX, XXXX IL XXXX. I ask that you please correct this information. 

Also the following inquiries are incorrect and should be deleted from my reports immediately : XXXX XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have multple Incorrect address on my credit report that I need deleted from my credit report immediately as these addresses do not belong to me. 

Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, My CORRECT address is XXXX XXXX XXXX, XXXX IL XXXX. I ask that you please correct this information. 

Also the following inquiries are incorrect and should be deleted from my reports immediately : XXXX XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, Thank You

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 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renew Financial Holdings Inc
State: FL

Complaint narrative:
My husband and I were victim of fraud and loan sharking from the XXXX  pace program  and RENEW FINANCIAL. In XX/XX/XXXX, we met with a contractor  representing XXXX for a roof and hurricane-proof windows and doors installation. 1 ) The financing company sent a couple of documents to me ; I was in disbelief finding out that our incomes were purposefully inflated. I specifically told the XXXXRenew Financial contractor that my husband was not working at the time. In the document it states that my husband makes {$45000.00} when in reality he made {$9100.00} total for that year and he puts that I make XXXX when in reality I make around XXXX. 2 ) On XXXX XX/XX/XXXX he quoted us {$9000.00} for the hurricane proof windows and {$12000.00} for the roof. We made him wrote and sign on the agreed price. After both projects were completed, we were asked to sign that the project were indeed completed. At that time we brought to his attention that the prices were significantly inflated and that's not what we agreed on. He stated that there will be a " change order '' with the agreed price and that those were not the real numbers. And that we needed to sign in order for the XXXX and Renew Financial to release the funds. There was never a change order. Not to mention we were never told the interest rate. All that was said is that it is base on credit and not to worry, since it is a government program, the interest rate are usually low. 3 ) We recently tried to refinance our house only to find out that TWO liens were placed on our property one for XXXX for the windows and door ( Renew Financial ) and one for the roof for XXXX ( XXXX ). Both for 25 years. We were never explained the term of the loans, nor did we agree to have two liens place on the house. Have we known the fact we wouldnt have move forward with both projects. 4 ) I do not recall signing those documents on docu-sign. When I called XXXX  and Renew Financial, they did not even have my email. They had my husband email. And my husband and I went through the emails we did not received the initial papers that require us to sign and initial that we know what we are getting ourselves into. We did however receive documents after completion for XXXX  and Renew Financial to release funds. XXXX and Renew Financial are pure fraud and loan sharking. and I know it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 XXXX Stimulus check amount : {$1200.00} Was depositing my check at a Bank of America ATM and the machine ate my check and didn't deposit it in my account. I contacted the bank, giving them the ATM machine number and was told it could take a 45-50 days for a resolution without any guarantee that the {$1200.00} would be credited into my account in the meantime.

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 2020-04-25 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: FL

Complaint narrative:
( XXXX true Identity theft ) Im a member of the equifax data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items. 
My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help Equifax : CONFIRMATION NUMBER : XXXX XXXX  Report Number : XXXX Report Number : XXXX Date Generated : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3800.00} ( XXXX ) XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3600.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$670.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$750.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX {$13000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Earlier this month on about the XXXX of XXXX. My credit card through bank of america closed my account due to changes in my credit. I recently XXXX from the military and havent changed my methods of credit use. I'm not entirely sure why my credit took a major dip when most of my credit payments are always on time. I have low to no credit card debt. I've hardly paid credit card interest EVER. I always make sure to not carry balances. I've had 2 or so loans in my name. I paid one completely off and am left with 1 car payment which I pay on time every month. Why Is my credit taking a dive? It cancelled my credit card in a greater time of difficulty. Not that i need the credit card to survive but it's nice to have the emergency backup. I dont think these dips in my credit are my fault and something needs to be reevaluated. Only the last 3 months showed an extreme change in credit score and I cant do anything about it and dont need it to cancel the one credit card we enjoy using for the benefits. Please give me information pertaining to this XXXX up. I feel as if something I didnt do maybe affecting 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 2020-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: DC

Complaint narrative:
I receive preventative medical services from XXXX XXXX ( XXXX ) every three months as part of my XXXX XXXX ( or XXXX  ) medication. XXXX uses XXXX for XXXX XXXX. I have XXXX XXXX XXXX XXXX health insurance. Every three months after I receive XXXX XXXX through XXXX, I receive a bill. The bill is never the same amount. It has been less than {$100.00} or more than {$250.00}. The last lab services I received, I was made to sign a piece of paper as I was getting my XXXX  XXXX   agreeing that I would pay any medical costs not covered by my insurance. The letter stated that my deductible matched the amount for XXXX 's services. What is the chance of their services matching my deductible exactly and then they send me a bill. It seems shady, and it is wrong that I am forced to sign a piece of paper as I am going to get my XXXX  XXXX. Also, I am getting needed testing and preventative services. XXXX XXXX Services are supposedly covered under the Affordable Care Act : https : //www.cdc.govXXXX   They report random amounts to my credit reports under their collection company " CREDIT COLLECTION SVCS. '' I believe they have used " XXXX XXXX XXXX  '' as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to institute a Security Freeze with the three credit reporting agencies. XXXX, and XXXX  make it easy. All I had to do was sign into my account with them, do a few clicks and a Security Freeze was placed immediately. Experian makes it near impossible. They hide access to Security Freeze information all the time trying to sell you one or more of their paid services. When you finally find the place where you are supposed to be able to place the freeze, you fill out a form and click " Submit '' which then tells you you must mail the form to them in Texas which will take weeks or longer. 
Are they allowed to have rules which make placing a free Security Freeze difficult or near impossible unlike XXXX  and XXXX. To get to the page I had to sign in to my account with Experian ( Member ID : XXXX ) get past their request for {$19.00} per month to place a " Credit Block '' and go through other hoops to be told to mail the application to their Texas Office. All this after I signed in, with my password, replied to their text for a secondary number and provided my Social Security number. 
Under CFPB rules are they able to make this so difficult and make their website a marketing tool unlike the two other agencies? Their Phone Service is a computer that gives you meaningless information and then hangs up. Please 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 explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I can not link my PNC BANK ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
( XXXX true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items. 
My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC  because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help XXXX  : CONFIRMATION NUMBER : XXXX XXXX  Report Number : XXXX Report Number : XXXX Date Generated : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3800.00} ( XXXX ) XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3600.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$670.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$750.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX {$13000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX | XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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