vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc.
State: CA

Complaint narrative:
I went to Carmax on XX/XX/XXXX and purchased a 2010 XXXX XXXX. The car came with a 90 day warranty, and the engine failed literally on the 91th day. Since the summer of XXXX, this car has been parked in my driveway undriveable since it needs a whole new engine. 

Regardless of the engine failure, I have always made my payments every single month. Approximately in XXXX of XXXX, my credit union XXXX XXXX merged with XXXX  XXXX XXXX XXXX, and it caused some problems with the routing # and account #. I was assured by the bank that I could continue to use my same account numbers to make my payments, as I had been for the entire year before. So every month I'd call CARMAX and make a payment over the phone using the same information I've been using. Well due to the merger, my payment was rejected for the month of XXXX, leading to a late payment in XXXX of XXXX. I was never notified by CARMAX of this. By the time I realized what was going on, this account was going on 60 days late and the only reason I found out was because I received a XXXX letter from Carmax. After speaking with Carmax they stated they tried to call me, but the phone number they called was entirely incorrect, it was not even close to my number. I've had the same number for 25 years, so it was not due to me changing my number and not notifying them, they simply had a wrong number and it was not my fault. As soon as I found out about this, the account was brought current. Since then, I only walk into CARMAX and make a payment physically to avoid this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: TX

Complaint narrative:
Equifax, XXXX, and XXXX  are unfairly setting my credit scores. In the month of XXXX, my credit score dropped ~30 points down to a XXXX due to an incorrect late pay reported by my mortgage company ( XXXX XXXX ). I got this corrected and saw no adjustment in my credit score. My credit just dropped another ~30 points because my credit balance increased ~XXXX. I believe Equifax is displaying unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: Early Warning Services, LLC
State: NC

Complaint narrative:
I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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 — Card was charged for something you did not purchase with the card
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
I have an XXXX Master.Card Account number XXXX. 
I have notified the company that my statement has charges I didn't incur, but they won't send me an accurate statement so I can make timely payments as I always have. The company has erroneously reported my account as delinquent to the Credit Reporting Bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Original Creditor : Citibank / Best Buy This account is and was under dispute with Citibank and Best Buy. The story is long and complicated but here are the steps we have done XX/XX/XXXX We purchase two TVs, installation services, and mounting equipment online XX/XX/XXXX We go to the store to pick it up. Best Buy ( XXXX XXXX ) reverses the web purchase and creates store purchase for one of the TVs XX/XX/XXXX The TV that was reversed to a store purchase is delivered and installed but has issues XXXX XXXX TV is picked up by Best Buy ( XXXX XXXX ) and returned to the store. We have commitments from the store manager, electronics sales that since it was bad the TV and installation services would be reversed XX/XX/XXXX No reversal so we call multiple times and through multiple channels. Best Buy says the TV had been reversed ( seeing the XXXX XXXX initial reversal for a web purchase and store purchase ). We get that part straightened out but still no credit for the TV sent back XXXX XX/XX/XXXX Multiple calls and meeting with Citibank, Best Buy customer service and Best Buy ( XXXX XXXX ). I go into the store and one of the stock people happens to be there listening to our story. They ( Best Buy XXXX XXXX ) realize they have had the return all along but nobody registered the return. They commit again to reverse both the TV and install charges. 
XX/XX/XXXX TV charges finally get reversed but the install charges ( {$300.00} ) still exist XX/XX/XXXX onward Keep disputing was told that Best Buy customer service and manager and assistant manager of Best Buy would handle and give a reply. Never get a reply. Account was still under dispute when turned over to XXXX XXXX Still under dispute. Can't get online documentation of the dispute because Citi 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 explanation
Consumer complaint received 2019-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted XXXX numerous times about inquiries on my credit reports. I have NOT applied for a XXXX credit card in about 4 years. XXXX, back in XXXX, sent me a letter stating that they were having the 3 credit bureaus removed their inquiries from my report. All 3 are still on there and there are more from XXXX. These inquiries appear every couple of months and I have had 3 in the last 3 months

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 2019-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All inquiries from XX/XX/XXXX through XX/XX/XXXX need to be deleted they were made by an unknown person that obtained my personal information Attached : Police report IDTheft Affidavit SSCard copy DL copy

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 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX apartment complex was a poorly managed property. We asked to terminate our lease two months early due to the lack of communication and the amount of time they took to repair a wall. ( 2 months ). The wall was unsafe and presented a health hazard, due to my XXXX and other health issues I was unable to continue to occupy the home. We were told that they we would not be able to leave, however because of my health issue I had to leave. We never had major issues with management until we were given less than 24hrs notice that they would need to gain access to our unit because the tenant above us had a leaky window. When I came home from work my door was left unlocked and my perfectly fine window did not have drywall ( sheet rock ). When we confronted management they seem to be clueless and claimed they fired the third party contractor. We got the run around for weeks until I threaten to call corporate. 

I reached out to XXXX XXXX XXXX IN to ask for verification and documentation that the debt on my credit report is correct and accurate, but to date they have not been able to provide any information. Therefore according to the FCRA this should be removed off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
My property taxes were due XX/XX/XXXX, and they were not paid. I received a notice from the XXXX County Tax Assessors office in XX/XX/XXXX that the taxes were not paid and incurred a penalty fee. I called my mortgage company, Loan Care, and they stated they would take care of it and incur the penalty fee. They did not supposedly pay until XX/XX/XXXX,  per my monthly statement. On XX/XX/XXXX, I received a call from XXXX XXXX with the XXXX County Tax Assessors office that my property taxes were not paid. I called Loan Care that day and was told there is no one I can talk to and that I have to submit an email to XXXX with the issue. I submitted the email that the taxes have not been paid and they need to submit proof of payment including the parcel ID ( XXXX ) to XXXX. I received a confirmation email from them with a reference number of XXXX and it could take 15 business days to for research to be completed. I emailed them again, XX/XX/XXXX, with the above reference number, that no one has reached out about the property taxes issue and this is an urgent matter. I spoke with XXXX on XX/XX/XXXX and told it would be XX/XX/XXXX for an answer as it was still under review. XX/XX/XXXX I spoke with XXXX and told review is in progress and reopened on XX/XX/XXXX with a close date of XX/XX/XXXX but awaiting " XXXX '' to be removed. She did not know what " XXXX '' meant. On XX/XX/XXXX I spoke with XXXX and told she would send this to the manager but it would be 3-4 business days for a response but probably 4 days. She said she is in Virginia and they are in Florida so it is not like she can just go talk to them. I am growing more frustrated because I am unable to talk to anyone with authority to tell me what the problem is and why it has not been resolved. All they need to do is forward a copy of the payment with parcel ID to the email I provided. The current technology would allow this to be done in a matter of minutes via email. Any help would be appreciated. 
Thanks, 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 2019-05-17 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.

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 2019-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: TN

Complaint narrative:
In XXXX & XXXX I contacted SCA Collection agencies with the request to provide supporting documentation to support their claim. 
In XXXX a complaint uploaded through CFPB - refer to dispute # XXXX-XXXX SCA COLLECTIONS, INC for comments.

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 2019-05-17 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: TX

Complaint narrative:
XXXX, TransUnion, and XXXX  are unfairly setting my credit scores. In the month of XX/XX/XXXX, my credit score dropped ~30 points down to a XXXX due to an incorrect late pay reported by my mortgage company ( XXXX XXXX ). I got this corrected and saw no adjustment in my credit score. My credit just dropped another ~30 points because my credit balance increased ~400. I believe XXXX is displaying unfair practices.

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 2019-05-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX, and Experian are unfairly setting my credit scores. In the month of XXXX, my credit score dropped ~30 points down to a XXXX due to an incorrect late pay reported by my mortgage company ( XXXX XXXX ). I got this corrected and saw no adjustment in my credit score. My credit just dropped another ~30 points because my credit balance increased ~400. I believe XXXX is displaying unfair practices.

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 2019-05-17 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's changed my method of receiving billings and did not notify me. They took it upon themselves to put my account on e-bill system without notifying me. Apparently they emailed me my invoices and I did not receive, most likely went to spam or junk and I had a late payment that I didn't even know I had due. They reported a negative report to the credit bureaus and will not undo. Also, pay attention to your account number, they changed my account number for some reason as well and didn't tell me, you will want to put the correct account # on your payment. Why they would randomly change your account number is beyond 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 monetary relief
Consumer complaint received 2019-05-17 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: NY

Complaint narrative:
There is a credit inquiry from XXXX XXXX XXXX on my credit file ( from XX/XX/2019 ). I did not request any account openings with XXXX XXXX XXXX or their affiliates. XXXX XXXX XXXX assured me no accounts are opened or have attempted to be opened in my name. I was also out of the country when the inquiry was conducted so it is clearly an error. There is no suspicious activity regarding my identity or credit at this time. 

I have asked Equifax to remove this multiple times. The first time they denied it stating I needed to file a police report for identity theft ( but my identity was not stolen ). The second time they have not gotten back to me ( after 30 days ) and continue to " look into '' the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2019 there was a credit check from a company called National Credit Card Airlines ( SYNCB ) and I have never heard of this company which is why I didn't contact them. I get emails about my credit score and this showed up today as a recent transaction and I have not done so. It was suggested that I contact you so I am taking those steps now.

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 2019-05-17 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: AZ

Complaint narrative:
I file a dispute with Experian about XXXX XXXX XXXX a 3rd party collection agency for landlords and it has turned into months and they still have not resolved the issue, I believe it is because it is a conflict of interest because Experian connect does background checks for landlords. On the other hand I gave XXXX the same information and they were right on it and removed it 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 2019-05-17 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: NY

Complaint narrative:
I had spoke to XXXX about the following hard inquiry pulls that they had said they would remove from my file. They were pulled without my authorization. They had agreed to remove the following dates from any credit report such as XXXX, Experian and XXXX. Here are the dates that need to be removed. I had to spoke to them last In early XXXX and they said by XXXX everything should be taken care of but they still show up. 

Here are the inquiry 's I am asking to be removed as agreed upon. 
Inquiry from XX/XX/XXXX Inquiry from XX/XX/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 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Last month, I prepaid my car insurance ( XXXX ) early. Then, they accidentally took the payment anyway ( again ). This overdrafted my account, causing {$70.00} in fees. These were EVENTUALLY replaced but I had to wait over a week for my own money. This month, again the account was too low when they attempted to take my payment for the first time. XXXX will retry if denied, without fees accessed. When I dialed Citizens Bank for help, they said, " We can apply for OD protection and/or a line of credit ''. Great! 

So I thought. I was denied both ( surprise ) but charged {$35.00}. For the insurance. Then {$15.00} from an app was charged. I was not denied, simply charged another {$35.00}. 

I expressly told Citizens that they do not have permission to pay out anything that I will be charged for. I'd like my {$70.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Hello My complaint is regarding PMI removal.

I bought a brand new home ( new construction ) in XXXX. I have an outstanding payment history, putting more money down every monthly. 

in XX/XX/XXXX I contacted PNC to get PMI canceled. PNC charged me {$500.00} to run an appraisal and gave me the criteria for PMI removal. 

1 ) The appraisal must show sufficient value which would reduce the LTV to 80 %.

2 ) Since the loan is less than 2 years old, the investor requirements state that the customer is required to have made improvements to the property. 

I accepted the criteria and paid {$500.00} for the appraisal, after 2 weeks I got the decision : " THE LOAN INVESTOR HAS DENIED YOUR REQUEST TO REMOVE PMI '' The appraised value brings my loan-to-value ( LTV ) to 77.79 % ( it means I achieved the first criteria ) However PNC stated that I haven't made improvements in my home accordingly to the second criteria, but that is not true. I opened a dispute and proved ( sent a report with photos and invoices ) that I have made a lot of improvements such as Patio over 500 sqt, driveway extension, new walkway and porch, black splash, finished garage with epoxy painting. 
However they still denying my request, saying that I have not made any improvements. 
The question is, what else is considered improvements for a brand new house. 

I have called more than 4 times to try to get a fair answer and, every time that I call I need to wait 5 days to get a response by mail. Besides the frustration, waste of my time also it seems a scam because they are not acting with integrate. 

I really wish to solve this matter in a friendly way, for that reason I am opening a claim here, before to talk to an attorney. 

thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: IL

Complaint narrative:
My fiance and I are soon to be in the market to purchase a home. I prepared be checking my credit report to know my score. While doing so I noticed a few items that are not mine. These items need to be deleted from my credit report. I've contacted FTC and my local police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. inquiries : XXXX/XXXX, XXXX/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 non-monetary relief