vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Trying to link my account with XXXX XXXX XXXXs and it says it won't allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

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 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received targeted Citi advertisement for opening a new checking account that indicated I would receive a bonus of XXXX XXXX XXXX miles if I completed the following : 1. Open a new checking account in the Citi Priority Account Package by XX/XX/XXXX ; 2. Spend {$750.00} in purchases using my Citibank Debit Card within 60 days ; and 3. Make 1 qualifying bill payment for 2 consecutive months within the same 60-day period.

Based on this advertised information, I proceeded to open a new checking account and began making purchases with it as of XX/XX/XXXX. I then met the requirement to spend {$750.00} dollars using my debit card and made 2 consecutive months of bill payments for my electricity bill. Then, over the course of the next few months, I contacted Citi about the pending bonus. In my communication via chat/messaging with Citi, I was informed on three separate occasions that I had met all the requirements but simply needed to wait for my bonus miles to post. Yet, the bonus had not posted after significant time passed. So, I contacted Citi for the fourth time to inquire about it and this was when I was informed that previous representatives had misinformed me - I did not in fact meet all the qualifications because the 2 consecutive months of bill payments that I made did not qualify since they were not made directly form the Citi website or mobile app. 

Citi 's practices and communication in this regard are unfair and deceptive per the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. They are unfair because they resulted in substantial harm by withholding XXXX XXXX XXXX miles that was not reasonably avoidable. They are deceptive because material terms regarding the account were misrepresented initially and after account opening.

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 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX  XXXX {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: WV

Complaint narrative:
Four weeks ago, I filed for forbearance under the CARES act. I was told I would hear back from the servicer in 3-4 days. Yesterday I received a letter in the mail. It included the offer of forbearance and a contact name and extension ( required by law - single point of contact ). The offer is not in compliance with the law or recent guidance provided by FHFA / XXXX XXXX XXXX XXXX XXXX  statements about forbearance under the CARES act. I called the number on the paper to speak with the designated representative. There is no way within the automated system to input the extension provided. It took me over an hour of fighting the automated system to get a live person. The person who answered told me there was no way within there system to transfer me to the designated person provided on my forms. I expressed my concern that the offer did not match the law and was told that was all they could do. XXXX ( Rep XXXX ) then proceeds to tell me first they can only do what the bank tells them. Then second I could call the bank or XXXX XXXX. I expressed my concern that they were the servicer and had the responsibility to comply with the law. She tells me first she could only do what the bank tells them and then says shes just a little ole loan counselor and she could only do what they tell her. 

First, Loan Care is not complying with federal laws on servicing. There is no way to reach the designated point of contact provided in the offer. The servicer is not complying with the CFPB requirements of single point of contact. The system is setup to avoid human contact and force all customers into a automated system with no way to contact actual employees. 

Second, the offer of forbearance does not comply with the CARES act and is directly contradictory to direct statements from XXXX XXXX and XXXX XXXX recently made. The offer was for 90 days and requires full payment at end of term. 

Third, Loan Care tried to say they could only do what the bank allowed them to do as they were just the servicer. This loan was originated by a community bank many years ago and sold to XXXX XXXX. The bank that originated this loan was top quality servicer. Federal laws resulted in this loan being moved to loan care which is a disgrace. 

The service is terrible, the servicer just blames XXXX XXXX and the originating bank. It is clear from XXXX XXXX letter and the CFPB blog, It is the services responsibility to comply with the law yet Loan Care has not intent of doing so.

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 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NM

Complaint narrative:
Hello! 
I withdrew from Cash App XXXX $ on XXXX XXXX. And I got the message that my funds will be available on my bank account on XXXX XXXX. Today is XXXX XXXX and I still have no money on my bank account on witch I withdrew. I check my mailbox and see the message that my email was unlinked from my cash app account ( they just deleted my account ). I need to get my money ( XXXX $ ), but funds wasn't withdrew, and " Cash App '' deleted my account. 
I tried to contact them - they totally ignores me. They have no Call center ( yes, they have number but when you call to them - robot just says that if you want a real agent - contact on site. I wrote letter to them, but they ignores me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: IL

Complaint narrative:
I called Discover Student Loans on XX/XX/2020 to request the 90 day forbearance due to COVID-19 as outlined by Governor XXXX. Multiple representatives told me Discover Bank is only allowing a 60 day forbearance at this time, despite the XXXX  website listing Discover as one of the lenders participating in the 90 day forbearance. I ultimately enrolled in the 60 day program but would like this extended to 90 days if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX  XXXX {$770.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX  XXXX {$770.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALE Solutions, Inc.
State: CA

Complaint narrative:
Ale Solutions is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitations in CA. This debt needs to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal authorized a three year auto-renewal to a magazine subscription. When I disputed the transaction, they supported the merchant and paid the debit. I explained that the auto renewal was from three years ago and is automatically put on the account. The magazine did not notify me of the auto renewal prior to debiting my account. I was not aware it was on auto-renewal. 

It was my understanding that PayPal protected their customers from deceptive activity as any merchant can say the account was on auto renewal. 

They provided me no evidence I agreed to the auto-renewal, but gave me a PO box to write to if I wanted it. Now I have to send another written request to gain access to their evidence?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My citi bank ( Double Cash ) accounts in good standing were closed due to the company deciding to close the account based on credit report. 

After the account was closed, all refunds came back to the card was not issued back to the card holder. After contacting and requesting the refund to be back to the account holder, it was forcefully applied to the closed account balance. 

I have requested the refunds that I have received from merchant because of covid-19 to be sent back to me via ach or check. 

The citi bank have forcefully declined to send refunds and applied to closed account.

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 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I have contacted Mr. XXXX XXXX the CEO of Shellpoint regarding the issue with my insurance check. I am hoping this will be the last step I have to take in order to get the check signed and returned to me. I am so thankful that i will never have to deal with these people again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX/XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX/XXXX  XXXX XXXX- Account XXXX XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX- Account : XXXX XXXX : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  - Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX/XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation