vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
XX/XX/XXXX I wanted to write down what my mortgage company told me as I wrote on the documents they sent me and you may not be able to read it. 
I called PNC on XX/XX/XXXX at XXXX a.m. I spoke with XXXX XXXX. I was hoping to get some positive directions on how we can fix our situation. I asked about the XXXX  documents they sent to us. I told them that I still have not found employment, and that I did have interviews coming up. I was originally told that they could add the balance owed to the end of the loan. They were also to add XXXX months on to our Covid relief program. I apply to jobs every day and have XXXX pages ( front and back ) of jobs I have applied to. Right now, we only have my husbands income coming in. With one income, it is a terrible decision on what to pay/buy - food/medicaXXXX bills, regular bills. 
I was told that they could not add the balance to the end of the loan as they stated because my situation had not changed nor had our income changed and we can not pay as of yet. 
They said they could resubmit another extension for forbearance, however, that would mean that they would resubmit for another XXXX months of payments and that balance would be owed as of XX/XX/XXXX which would be {$25000.00}. If we did this, they stated that the breach demand would stop. Right now, the letter we received says we would have to pay {$21000.00} on or before XX/XX/XXXX. I told them, if I had $ XXXX I wouldnt need to go through all of this. 
They told me that I could do a hardship document and we would have to qualify. They would need me to write a letter submit 30 days of income, XXXX bank statements and the last XXXX IRS tax forms. My question here is the last XXXX IRS tax forms do not show what our family is going through now. 
They told me to get credit counseling and did not offer any other suggestions. PNC is a very hard company to deal with. Prior modifications with this company only raised our monthly payment and did not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
Had a past credit card debt that was to be settled. It got taken to collection and placed with XXXX XXXX. They

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: IL

Complaint narrative:
TransUnion XXXX & XXXX violated my rights as a consumer in XXXX XXXX XXXX and refuses to exclude all information solely as to transactions or experiences between the consumer and the person making the report.

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 2021-11-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: WV

Complaint narrative:
I received a new debit card and was told once I registered and activated the card I would be able to use it.Upon calling customer service I was told I would have to go online to the mobile app.The money on my account is there for a transaction, but I keep getting a " card is declined '' and " high call volume '', and try again later.Today, I got a response saying my card was unable to make these kind of purchases ( getting groceries delivered ) when I did so before previously with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
After paying down credit cards, my credit score was lowered XXXX points when I was advised it would improve my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Signed loan docs with XXXX XXXX XXXX on XX/XX/21 - refinancing an existing mortgage with XXXX XXXX 
First payment was due XXXX. 
I rec 'd a billing stmt from XXXX on XXXX. 
I paid my first mortgage payment, {$3100.00} on XXXX ( for due date XXXX ) Days later, I received notification from Mr. Cooper ( servicer ) that they were taking over control of my loan - and I received a billing statement, dated XXXX - showing payment due XXXX. 

After multiple attempts to reach Mr. Cooper, I connected with on XXXX. I informed them my payment was made and they should contact XXXX to find out where it is. I spoke with XXXX, in escalations, who was no help in finding my payment they lost- but did try to sell me insurance (? ). 

Strangely, I rec 'd another bill from XXXX XXXX XXXX, dated XXXX - reflecting my first payment being posted - and not showing my account due until XXXX. 

On XXXX Mr Cooper called on my delinquent loan - stating that non-payment could impact my credit and result in late fees. Not sure how a payment made weeks in advance could lead to this outcome. Change in servicing is what resulted in this problem- and I did not ask for my loan to be sold, serviced elsewhere or whatever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Javitch, Block & Rathbone LLC
State: IN

Complaint narrative:
Had a past credit card debt that was to be settled. It got taken to collection and placed with XXXX XXXX. They

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 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After paying down credit cards, my XXXX XXXX was lowered XXXX points when I was advised it would improve my score.

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 2021-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX, my mother passed away, and my wife and I are joint owners of the account. When we went in to close the account on XX/XX/XXXX after we received the death certificates, we found out that the account was overdrawn with a negative balance of more than {$1400.00} due to XXXX XXXX pulling her check out after it was deposited. I paid the $ XXXX to bring the account current and closed it. The XXXX, XXXX, informed me that any transactions that had already been submitted for processing would still go through that night. This was confirmed by the letter I got when I closed the account which stated " per your request, a maintenance transaction has been processed to close your account ending in XXXX. However, if any unidentified debits or credits are presented against this account during nightly processing, your account XXXX not close properly .... ''. 

When I woke on Thursday morning XX/XX/XXXX, I checked the account and it still had a XXXX balance, so I ( incorrectly ) assumed we were all good, since nothing had been presented. When I again checked the account on Friday XX/XX/XXXX, there was a negative {XXXX} balance from a debit that was allowed to be posted XXXX DAYS after closing the account. I, again, went in and spoke to XXXX, and he informed me that he was unable to close the account, and that I should instead simply stop the ACHs and debits. The problem is, this was my mother 's account and I don't really know everything that is scheduled to come out. Additionally, at least XXXX has told me that unless I can present paperwork stating that I am her XXXX XXXX XXXX they can't/wo n't allow me to modify her payment preferences. 

XXXX stated that he would refund the overdraft fees ( totaling {$100.00} at this point ), and that would bring the account to a positive balance, and he would submit a complaint and someone from the corporate office would be contacting me within XXXX business days. 

Upon checking the account this morning, XXXX XX/XX/XXXX, there has been another debit presented, and ANOTHER {$36.00} overdraft fee applied, bringing the account to negative {$75.00}, XXXX DAYS AFTER I CLOSED THIS ACCOUNT, and XXXX only credited the account XXXX of the now XXXX {$36.00} overdraft fees. Both XXXX XXXX local branch XXXX ) and the call center are telling me that they can't close the account, that I will just have to wait until no more transactions occur. This is unethical and, as far as I can tell, illegal. They are refusing to let me close my account, albeit using words other than " we're simply not going to let you close your 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 explanation
Consumer complaint received 2021-11-20 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: TX

Complaint narrative:
Experian is exasperating and plays the attorney games like the politicians in XXXX. After XXXX years, Experian has yet to give me a direct answer why they accessed my credit report on XX/XX/2017 without permissible permission and forwarded my report to XXXX XXXX XXXX XXXX. Experian passes the buck to a dead end or ignores or by labeling complaints as duplicate or giving a very nice and sweet reply that says and does nothing. Experian is a large profitable company but yet a troubled teenage child who can't speak direct.

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 2021-11-20 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: IL

Complaint narrative:
XXXX equifax & XXXX violated my rights as a consumer in XXXX XXXX XXXX and refuses to exclude all information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: IL

Complaint narrative:
XXXX XXXX & experian violated my rights as a consumer in XXXX XXXX XXXX and refuses to exclude all information solely as to transactions or experiences between the consumer and the person making the 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 2021-11-20 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: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX {$570.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$0.00} XXXX {$0.00} XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: Mobiloans, LLC
State: AL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-20 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: VW Credit
State: NY

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2021-11-20 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: Nelnet, Inc.
State: AL

Complaint narrative:
XXXX XXXX Account : XXXX ( Nelnet ) Account : XXXX ( Credit Agencies ) Reason for dispute : First, the name is incorrect which is an error, that alone is a reason for deletion according to FCRA Laws. 
This is my XXXX notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. 

Furnishing this information to credit agencies without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and XXXX you are still committing FRAUD by using my personal information and sharing it with XXXX parties ( XXXX, XXXX, XXXX, and XXXX ) without my PERMISSION OR CONSENT which is a violation. 

Pursuant to XXXX XXXX XXXX you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. Pursuant to XXXX XXXX XXXX, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 

This is also an adverse action to me as a consumer and needs to be remedied immediately. By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. 

I asked that you remove all student loans accounts from all XXXX credit reporting agencies immediately. I will also be sending a letter to the XXXX for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness. 

Account disputed : XXXX, remove from credit agencies. 
Account : XXXX ( Credit Agencies )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I have a Bluebird by AMEX account I use for my kids. Someone apparently hacked my login, moved all my kids funds to my main account and transferred {$10.00} to a XXXX party. They then tried to drain the account completely. This was all done as a XXXX transfer which Ive never used and have no idea what it is. Luckily, their fraud dept caught the larger transfer and stopped it and alerted me. I changed all login and security info, while on the phone with them, and opened a dispute for the only actual loss of {$10.00}. THEY are the ones who alerted me about the fraud, but have now denied my claim for the {$10.00} twice as it was an authorized transfer. It was not. If their fraud dept would look at at the account, it would be quite obvious. But after XXXX hours in the phone, no resolution or competency has been reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: AL

Complaint narrative:
XXXX XXXX Account : XXXX XXXX XXXX ) Account : XXXX ( Credit Agencies ) Reason for dispute : First, the name is incorrect which is an error, that alone is a reason for deletion according to FCRA Laws. 
This is my XXXX notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. 

Furnishing this information to credit agencies without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and FCRA you are still committing FRAUD by using my personal information and sharing it with third parties ( Equifax, XXXX, XXXX, and XXXX ) without my PERMISSION OR CONSENT which is a violation. 

Pursuant to 15 USC 1681a  you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. Pursuant to 15 USC 1681a, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 

This is also an adverse action to me as a consumer and needs to be remedied immediately. By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. 

I asked that you remove all XXXX  loans accounts from all third-party credit reporting agencies immediately. I will also be sending a letter to the FTC for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness. 

Account disputed : XXXX, remove from credit agencies. 
Account : XXXX ( Credit Agencies )

Company response to consumer: Closed with explanation