vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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: OH

Complaint narrative:
I am having issues with a freeze on my file that is holding up my credit from reporting my accounts properly. I have a XXXX XXXX and XXXX XXXX  account that is not reporting to my credit file. My name is XXXX XXXX SSN:XXXX DOB  : XX/XX/1992 My addition address is XXXX XXXX  XXXX XXXX FL 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 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filed for forbearance on my mortgage due to Covid19. I asked That if I was still able to make a payment can the payment be applied to the principal only. I was told that yes it can be applied to principal only. I called in a phone payment with a rep on XX/XX/2020 of {$1200.00} & requested the entire amount applied only to principal. When I received my XXXX statement the payment was broken up into {$540.00} to principal & {$570.00} to interest. I called the bank on XX/XX/2020 spoke to XXXX who open up a case to correct. I called back on XX/XX/2020 and spoke to XXXX who stated that the correction would be done prior to XX/XX/2020. I told her that I needed it done by XXXX because that is when I would be making the next payment. She said that it would be done way before then because the system only creates a pending date, but corrections are processed quickly and I would be notified in writing. I called again on XX/XX/2020 spoke to XXXX who transferred me to XXXX who transferred me XXXX. When I requested a supervisor I was put on hold for over 30 minutes. She came back on the line and said a supervisor will call me back and no one ever called me. I called again today ( XX/XX/2020 ) and spoke to XXXX XXXX who put me on hold to wait for a supervisor for 1 hour and 7 minutes and never came back to the phone.

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 2020-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My wife spoke to the company told them I will handle the issue, gave them my updated number and they still continue to call her daily, numerous times from different numbers, sometimes less than an hour apart.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I tried to write a letter asking for validation of a debt to Penn Credit. That mail was returned to me. Penn Credit is required by law to report 100 % factual data to the credit bureaus. My dispute was written to the address provided to XXXX. They obviously are not reporting factual data to the credit bureaus, their address is not even correct. Please help me!

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 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC account is not able to be linked to an XXXX savings account for round up purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
There are 2 unknown and unverifiable accounts reporting on my credit report. One of the accounts was removed in XXXX due to no verification. Another company, Phoenix financial, has placed the same account on my credit profile with inaccurate open date that is false and fradulent. These clowns must be stopped. 

The credit bureaus have not provided verification proving either of these accounts are mine. 

I was also a victim of identity theft in XXXX. I have included the police report from that time. I have suspicion to believe the XXXX XXXX XXXX account is a result of this. As this account is unknown to me and has an open date reported for XXXX. 

I want both accounts deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was trying to load money onto my XXXX XXXX  card but kept coming up that transaction has been denied. Thinking it was Bank of America that blocked the transactions due to fraud, I called to have them approve of the XXXX XXXX transactions. Which was just loading the XXXX XXXX card with {$250.00}. Next thing I know, {$3000.00} was taken from my account and was transferred through XXXX to someone I do not know and Bank of America said because it was a XXXX transfer that it goes through immediately and there was no way for them to stop the transaction. This happened XX/XX/XXXX, today is XX/XX/XXXX. Ive yet to get this issue resolved. BOA said they can not refund me the money because it was sent to an email they could not trace. Im heartbroken. Ive been with the bank since XXXX. Nothing they can do for 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 explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: MD

Complaint narrative:
Called the original creditor to have them resubmit the charges to my insurance company to fix the billing codes. Then the account was submitted to collections and the bill was never fixed. Called Credit Control Corp and reported the issue with the bill. They could not bill the insurance company and they were supposed to contact the original account holder to get the bill, the billing history and I have yet to get it. Credit Control Corp can not do anything to correct the billed amount and refuse to make effort to resolve. I am suggesting since they can not take action to make corrections, to remove this account from my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I bought a car on Friday XX/XX/2020 from XXXX XXXX XXXX. Saturday I found out my hours have been cut due to Covid-19. I took the car back to XXXX XXXX XXXX  Sunday XX/XX/2020 as soon as they opened to inform them that I would have to bring the car back because the financing will not go through once the company calls my job to verify. So the XXXX XXXX XXXX tells me that the deal is sealed and I would have to just have to have a repossession. Now I didnt sign the documents ( contract ) until almost XXXX that Friday night, and all banks close at XXXX the latest. So he said well when the bank calls once they verify we will return you the car and I will be able to get my down payment back. I get a call today from the General Manager XXXX XXXX and he tells me that the deal is sealed. I contact the financing company Kia Motor Finance and this company tells me the dealership is supposed to verify they just manage the payments and thats it. So I call the dealership back and I let them know what the financing company has stated and to let them know that my HR has not received a call to verify my income from the dealership and or the financing company. So how could I get approved for financing without correct income. The GM XXXX XXXX tells me they dont have to verify that information on a loan! That now how its done! And the deal is seal! I informed him that I am aware that all deals that are contingent upon financing has to be verified and I havent had the car over a week. And if they would have verify my income status I wouldnt be approved for the loan! He stated again that he doesnt have to verify to get me approved for a loan through a financing company. Now Im in a situation that I technically wouldnt be in if the bank or the dealership wouldve verify with my job!! This is illegal and Ive never heard of a company loaning out lump sum of money without making sure a customer can repay them back they money. I feel like the company XXXX XXXX XXXX  didnt verify my information because they knew they would have to return me my down payment and they decided to push the deal through even though they knew of the situation that just occurred and they want this deal instead of what is in the best interest of the customer. This is illegal and it need to be fixed immediately. I asked for the Owners Name and number and no one at the dealership wanted to give me his information XXXX XXXX said I would need to do research to get his information. But the business XXXX XXXX XXXX said I would have to get his number from XXXX because that information comes from him!! I am getting the run around! I hate I purchased a car from XXXX XXXX XXXX They are Frauds!! This is so horrible how dealership treat people! Especially in such a short time!! This is sad!

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 2020-06-30 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX {$250.00} XXXX XXXX {$830.00} XXXX XXXXXXXX  XXXX {$350.00} XXXX XXXX XXXX {$32000.00} CHAPTER XXXX BANKRUPTCYDISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
We were shopping for rates on mortgage refi. We had contacted multiple lenders including Better.com. They requested a credit card information to proceed with a quote. We were informed that if we proceeded with them they would charge the card for an appraisal. We decided not to proceed with Better.com and proceeded with another lender. We then discovered a charge for {$550.00} on our statement from Better.com. We did not authorize the charge, no service was provided and we did not proceed with a refinancing with Better.com. We have disputed the amount with our credit card company. I now believe this is likely pervasive and consistent fraudulent behavior on the part of Better.com, hence we are filing this complaint. Hopefully the CFPB will investigate and fine the company if it finds this practice is widespread.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: TX

Complaint narrative:
In XX/XX/2020, I noticed items on my report that did not belong to me. I sent in a dispute to Equifax, XXXX, and XXXXXXXX on XX/XX/2020. 

I did not get a reply so I sent additional information for the investigation on XX/XX/2020. 

Today is XX/XX/2020 they have not provided any updated information on the investigation such as verification or blocked accounts. 

I have provided all information related to how these accounts have been placed on my credit without being known or verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Tried to link account to organization I'm trying to get Covid Grant assistance from but is not letting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
A company named XXXX XXXX XXXX sent me a letter demanding payment on an unverified debt, claiming to be a law firm who has already reported the debt to a consumer credit bureau ( XXXX ) and filed a lawsuit in my local court. Furthermore, XXXX XXXX XXXX is attempting to collect on a debt which they admitted by reference, is over 9 years old, which is well beyond the Statute of Limitations in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I contacted Equifax and filed a dispute because they are reporting a bankruptcy disposition date of XX/XX/XXXX. However, the disposition date is XX/XX/XXXX. They are also reporting a date reported of XX/XX/XXXX. This is also inaccurate. I did everything right and waited two years post bankruptcy to buy a home using my VA eligibility. However, the whole process has been halted for months because when the mortgage company runs my credit they see a bankruptcy disposition date of this year, not the correct date. Because of this, they say I must wait two years from XX/XX/XXXX. This is not right. Equifax closed all of my disputes and did not update the date reported or disposition date. I even supplied them with my federal court discharge paperwork showing disposition of XX/XX/XXXX. XXXX and XXXX   are both reporting correctly. It's only Equifax that is causing a system error when processing mortgage. This needs to be resolved so I am privileged with my rights as a consumer to buy a mortgage and use my VA eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX {$250.00} XXXX XXXX {$830.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX XXXX {$32000.00} CHAPTER XXXX BANKRUPTCYDISCHARGED 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 2020-06-30 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX {$250.00} XXXX  XXXX {$830.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX XXXX {$32000.00} CHAPTER XXXX BANKRUPTCYDISCHARGED 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 2020-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RIGHT START MORTGAGE, INC.
State: AZ

Complaint narrative:
Right Star Mortgage has not paid my homeowners / hazard insurance. The money is in the escrow account, I keep getting notices from XXXX, and have received a notice from Right Star Mortgage that they are going to force me to buy their mortgage because I don't have homeowners insurance. In addition, I attempted to apply for COVID-19 under the Cares Act ... I was forced to explain why on a web site, thereby documenting which I believe is a violation of the Act, furthermore I was directed to what I believe is their own solution and not the Cares Act solution ... when I was very explicitly stated the Cares Act ; the 've told me I have a 90 day extension but no discussion on how to manage the balance moving forward. I believe they are taking advantage of their customers during the pandemic.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 explanation
Consumer complaint received 2020-06-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 explanation
Consumer complaint received 2020-06-30 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:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT. XXXX  XXXX {$230.00} XXXX XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: NJ

Complaint narrative:
On XX/XX/2020, I signed a lease contract with Audi Financial Services ( " AFS '' ) to lease a vehicle for 36 months. The contract stated an agreed monthly payment stream of {$510.00} for the 36-month lease period. My cash due at signing was {$4000.00}, this included my first month payment of {$510.00} for XX/XX/2020. On XX/XX/2020, I received an email from AFS notifying me that my next monthly payment for XX/XX/2020, is {$510.00} instead of the negotiated monthly contract of {$510.00}. I proceeded to look into my account history with AFS and noted that my previous XX/XX/2020 payment was also drawn at {$510.00} instead of the {$510.00} negotiated contract payment. The Audi dealership and AFS were both contacted at multiple instances once this error was discovered ; however, they were unable to resolve the issue although they confirmed my lease contract documents did note a monthly payment of {$510.00}. On XX/XX/2020, I made aware to the individuals from Audi that I am currently employed as a XXXX XXXX   XXXX XXXX XXXX XXXX  and what they were doing was illegal. In addition, I told the individuals that I would be filing a formal compliant with CFPD.

Company response to consumer: Closed with non-monetary relief