vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX  XXXX {$280.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$630.00}

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 2020-06-02 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: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$630.00}

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 2020-06-02 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1000.00} USDEPTED XXXX {$3500.00} XXXX XXXX {$4200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX   XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$33000.00} XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED XXXX XXXX {$180000.00} DEPTED XXXX XXXX {$2500.00} XXXX XXXX XXXX {$11000.00} USDEPED XXXX {$2500.00} XXXX XXXX XXXX {$12000.00} DEPTED XXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-06-02 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1000.00} USDEPTED XXXX {$3500.00} XXXX XXXX {$4200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX    XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$33000.00} XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED XXXX XXXX {$180000.00} DEPTED XXXX XXXX {$2500.00} USDOE XXXX XXXX {$11000.00} USDEPED XXXX {$2500.00} DPT ED XXXX {$12000.00} DEPTED XXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Companies Involved : XXXX XXXX and PNC Bank, Underwriting Dealer Services I will try to be as succinct as possible, so please bear with me. 

I had purchased a used vehicle on XX/XX/2020 from XXXX XXXX in XXXX, Maryland. They told me they would be seeking financing through XXXX XXXX. The next day on XX/XX/XXXX I found out I was unemployed indefinitely and permanently due to Covid.  Since XX/XX/XXXX was a Sunday and both the dealership and XXXX XXXX were closed, I contacted XXXX  XXXX first thing in the morning on XX/XX/XXXX to let them know what happened. They told me I couldn't return the vehicle. I did contact XXXX XXXX the same day and they confirmed they did not have my application. 

With the knowledge that I no longer had an income, they side-stepped XXXX XXXX, the intended lender, and sent another application to PNC. One, I never gave them permission to seek financing with another lender ( it clearly states in the financing addendum that they need my agreement to do that. The addendum I will attach. ) PNC turned down the loan and then they then went to another lender, XXXX XXXX, submitted an application, again without my prior knowledge or permission, with the full and absolute knowledge I no longer had an income. XXXX XXXX   approved the application. 
I contacted XXXX XXXX  immediately upon receiving my letter of acceptance from them to let them know that the information they were probably given was false. They have been working with me on this and they did ask me to provide a copy of the application that was submitted to PNC by XXXX XXXX. 

Both PNC and XXXX have refused to send me a copy of the application. I am actually more interested to see what PNC got from XXXX. XXXX XXXX  has suspended any payments to assist me in resolving this issue and have been very cooperative and suggested I contact you. 

I last contacted PNC on XX/XX/XXXX and spoke to " XXXX '' in the underwriting department at PNC in XXXX. She went back and forth between me and the underwriter said that even though it's my financial information, they will not release it to me because their client is XXXX XXXX. When I her to put that policy in writing for me so I had something to go back to XXXX XXXX  with, she refused. She wouldn't even give me the name of the underwriter she spoke with, she wouldn't even give me her last name. Even the branch manager of my local PNC Bank, XXXX XXXX from XXXX XXXX, Maryland couldn't get them to budge on that. 

Ideally I would like to see the application that XXXX sent, but it's more important to see what PNC received. It is my belief and XXXX XXXX  's belief the information they sent PNC was different than what XXXX XXXX received, because obviously XXXX XXXX   would have turned it down too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I made a lot of atm withdrawals and ordered food from XXXX XXXX  and the atm never dispensed any money or XXXX XXXX  delivered my food and I was charged for the food and atm withdrawals totaling 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 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I wanted to get started XXXX with my PNC account. 
but It seems like bank protect my bank some reason. 
It says PNC has made a change that prevents you from being able to link your accounts. 
Would you fix this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: DISCOVER BANK
State: FL

Complaint narrative:
Purchased Spring Training Tickets for XXXX XXXX at New York XXXX at XXXX XXXX Sun. XX/XX/2020 XXXX XXXX  ) XXXX XXXX Order # XXXX The EVENT was CANCELLED due to COVID-19. XXXX XXXX has a Refund Policy on Canceled events that 100 % would be refunded back to the original card. XXXX XXXX has not Refunded my Money. When I called them ... They said for ME to work with my BANK ( Discover ) as I disputed the charge with them since NO REFUND was delivered in the time allotted. Discover claims they need more information. I have been disconnect several times from Discover support personal and I can not be transfered back to the person helping me. I have told my story to countless support people and NO ONE WANTS TO HELP ME. I have provided MORE THEN ENOUGH PROOF. I want my {$420.00} back as services were not rendered as the EVENT was CANCELLED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched FTC ID Theft Report case XXXX **NO ACCESS TO REPORT OR RESOLVE FRAUD due to ( XXXX. ) CLEARLY, USAA gave me NO OPTIONS BUT TO PHONE. USAA ONLY PROVIDED PHONE ACCESS. see attatched CREDIT CARD FRAUD CLAIM DATE OF XX/XX/XXXX letter dated XX/XX/XXXX COMPLETION OF THIS FRAUD INVESTIGATION. USAA HAS NEVER PROVIDED THESE PERMANET CREDITS {$470.00}. THIS ACCOUNT IS DELIQUENT DUE TO ** NO FRAUD CREDITS PROVIDED. USAA POSTED {$460.00} Fraud Credits XX/XX/XXXX for XXXX FRAUD. USAA DESTROYED MY CREDIT WITHOUT RESOLVE OF FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage my current loan service will not stop calling my to solicit a refinance to my home. 

I have told them 7 times on a recorded line to add me to the do not call list. I believe they are violating the FTC laws. 

I am confident they will call again.

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 2020-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I requested a loan modification on my mortgage due to reduced income, with Specialized Loan Servicing in XXXX, XXXX, and XX/XX/2019 and each time my request was never completed. Each and every time I received confirmation of paperwork received. I spoke to a rep name XXXX, who was very rude and telling me I should sell my house. This rep. was talking down to me as a customer/borrower, and discourteous, horrible attitude. The HUD counselor assisting me with my loan modification to ensure the proper procedures and guidelines were followed, witnessed Specialized Loan Servicing providing unethical business practices, very Poor service to me. I filed an appeal of why Specialized Loan Servicing was not processing my request for a loan modification, with HUD counselor. And they said they did not receive the request. In which, was a lie. The HUD counselor had confirmation, proof that the fax was received ahead of time. Specialized Loan Servicing continue to refuse to process my request for a loan request and then three days later  they attempted to foreclose on my home I been in for many years, without telling me. I found out through other sources. This is the worst service I have ever received. This company business practices are very shady. The public should be made aware of the unethical business practices by Specialized Loan Servicing,  and the horrific service they are providing to borrowers. The point of a loan modification request is to pay what you owe and keep your home.

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 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: KS

Complaint narrative:
I received a collection notice for an erroneous debt. I have contacted the original company for years for them to quit charging me for something I was not receiving and a subscription I have cancelled numerous times. I can not get written communication verifying that anything is resolved, only verbal. I want every communication regarding every complaint I file anywhere well documented because our legal system doesn't protect consumers from having a debt keep popping up with various collections agencies even when you pay it. I want complete documentation from the company and the collection agency that this is resolved.

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 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Company Bank of America froze my checking account Saturday XX/XX/XXXX without my permission. They are holding my unemployment deposits and have Frozen my account with no further information available. I have no access to my funds no access to my account and no access to any of my available information via the Internet. 
I need help getting my account unfrozen an getting my funds back ..they have no legal authorization to hold state unemployment funds rightfully belong to a citizen .i called unemployment an thy are aware of the problem. Please be advised ive had no resolution an no response from Bank of America. They have my unemployment funds frozen an can not legally hold state an government funds of a united States citizen. 
Need resolution ASAP

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 2020-06-02 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
In XX/XX/2020 I was flying alone ( I'm a single mom ) with my XXXX children. During a layover in an airport, I realized I had inadvertently checked my wallet in my luggage. I had no access to money because all of my credit cards and cash were in my wallet ( checked in my luggage ). 

My children hadn't eaten and wouldn't be able to eat for many hours until we got to our final destination and I retrieved my checked luggage. As a last resort, I applied for an apple card administered through Goldman Sachs so I could use Apple Pay at a restaurant to feed my children. 

The application took no longer than 5 minutes. I never consented to online paperless statement delivery and they never verified my email address. I promptly forgot that I even opened this card and since it was not a part of my financial picture, I never thought to go looking for a statement. 

They arbitrarily ( without my consent or approval ) sent the statement to the email address associated with my XXXX XXXX. I never check this email because the only use is for XXXX XXXX login functionality. They ONLY sent statements and past due notices to this email address. They never mailed me a statement. By the time they contacted me by phone, the account was already 36 days past due at which time I paid it immediately on XX/XX/XXXX ( 6 days past the 30 day mark ). At this time, I explained that I never got any statements and asked the clerk to whom I gave payment to please not report negatively to my credit. She stated that she didn't think it would negatively impact my credit since it was only 6 days. 

Yet Goldman Sachs reported a {$14.00} past due payment to XXXX, severely compromising my otherwise perfect credit score. 

I opened a dispute with XXXX  - at the completion of which Goldman Sachs informed me that the past due was reported correctly.

I was not disputing that it was reported incorrectly but that it was reported UNFAIRLY. And that under the circumstances of me not receiving the statements or having any say in how they were delivered, they should consider the whole picture and remove the negative reporting. 

I then wrote a letter to Goldman Sachs and explained the situation again, in writing and asked them to remove the reporting. They wrote back saying that the report was issued correctly. 

I then had an attorney write a letter. To which they responded that the report was issued correctly. 

This is the first negative I've had on my credit in more than a decade. I am now having difficulty getting a mortgage because of a 6 day past 30 days late payment of {$14.00} and I have been able to get Goldman Sachs to pay attention to the circumstances. 

This is the epitome of UNFAIR credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I ordered a bed from Ashley Furniture and it was left damaged at our house. I tried contacting them to tell them what happened. 
Om XX/XX/XXXX i was promised a call back in 48 hours- it still has not happened. I called back on XX/XX/XXXX and spoke with XXXX she said she would send replacement parts for the rails. 
The bed is unusable due to missing pieces. They sent screws that don't fit the bed, but nothing else. 
They will not removed the charge either. 
We can not attach the rails to the foot board or the head board.

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 2020-06-02 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: WA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 90 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: LA

Complaint narrative:
Please see attached notice. They still have yet to force XXXX XXXX to update my credit file due to bankruptcy.

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 2020-06-02 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: WA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 90 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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