vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-24 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: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
Contacted the bank to report unauthorized charges to the account. Bank refused to do anymore of the investigation to my account for unauthorized charges. Provided detailed information about the issue of the charges and have explained to them about what was happening. They said that the information given on this form was an error and that the charges were made by me. From the bottom of that I was charged additional to my account and it started reoccurring charges on my account. They never called me back for the confusion of this matter instead of saying it was no longer a case to solve this problem then ended my case. Charges was all from XXXX and XXXX. With this situation my credit score decreased tremendously and I was not able to apply for a loan. I've been scammed multiple times by the action from the past from banks that pretending to be an actual credit card company confirming my account. Given the fact that I received phone calls to contact the police and transferred me to the police office and no record was there to be contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
The bank clerk refused my withdrawal request ( last 5 minutes before they close ). 

We believe we experienced discrimination at this location while the cashier clerk pretended to be soft but actually tried to make it difficult ( e.g. asking for passport while i provided my US driver 's license already ). She kept the argument rising using her discrimination attitude and finally she could find a reason to refuse service in the last 5 minutes before they close. So in the end we just couldn't have a simple withdrawal. 

I have been a PNC customer for over 10 years. 

PNC Bank XXXX XXXX XXXX, XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I fell off a XXXX  XXXX ft in the air and went to the hospital. I understand there is money owed but they have 7 derogatory hits on my credit report instead of one for the incident. I would like them to combine all of them or take them off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: MA

Complaint narrative:
Galaxy International Purchasing has placed and inaccurate charge off account on my credit report. I have explained to Galaxy international Purchasing via certified letter that I am not the rightful owner of this account and it doesnt belong to me. This inaccurate and illegal account has case harm and injury to me financially. This is not fair that Galaxy International Purchasing can continue to report this inaccurate and illegal account on my credit report damaging my credit worthiness. Galaxy International Purchasing has as violated the Fair Credit Reporting Act requirements by re-aged this inaccurate account. Re-aging any account is a violation of the FCRA. 

I have explained to Galaxy information Purchasing that I am no XXXX and I didnt give anyone permission to use my name or SSN to obtain financing or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
My wife and I are parents that have had XXXX children go to college that are paying back student loans. I supported all of my children by co-signing for their loans, one of which, I was able to pay off. In order for my youngest child to finish college at XXXX XXXX University, over the phone, I agreed to the loan, later to find out it was a " Parent-Plus loan '' loan that she nor I were given details about the loan terms, nor did we understanding this type of loan or the ramifications of it's terms. My daughter called me from the finance office of the school at the last moment for her enrollment. My complaint revolves around how my payments, to date, are being credited to the loans, extreme interest charges, and the lack of explanation as to why and how the fees and charges are causing the loans to increase, regardless of the payments made to date. The original loans for the Parent-Plus Loans totaled {$36000.00}. Since XX/XX/XXXX, I have consistent made payments totaling XXXX, but my total balances have continued to increased, to date, to {$42000.00}. I have attached documents explaining the terms, payments and balances of the loans. My wife and I would like to apply for assistance with the loans or forgiveness, given that she and I are XXXX years of age and are at our retirement ages. Please review the attached " Account Balances Statement '', original loan amounts and outstanding principal balances column for balance discrepancies and exorbitant terms. Also see the Detailed Payment History report and Account Snapshot and advise. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a car loan in 2019 after that done used my identity to keep applying I havent had any help with the bureaus to remove the inquires

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 2021-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc.
State: UT

Complaint narrative:
Around XX/XX/XXXX I went to XXXX XXXX XXXX office they confirmed they accepted my insurance. And then in XX/XX/XXXX I seen the debt on my credit report. The company never sent me a letter in regards to owing a bill. And so I reached out to XXXX XXXX XXXX office and spoke with XXXX in billing she confirmed that she made a mistake when submitting the claim, we both spoke with XXXX and confirmed that I was covered at the time of service. XXXX said she will fix problem and have it deleted from my report. 2 weeks later XXXX XXXX office is out of business and debt is still on my report. I have disputed several times with XXXX band XXXX  and they will not deleted it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The status is incorrect for the following account Chapter XXXX Bankruptcy Case Number : XXXX 2. The status is incorrect for the following account Chapter XXXX Bankruptcy Case Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX 4. Identity Theft XXXX  XXXX Account Number : XXXX 5. Identity Theft XXXX  Account Number : XXXX 6. Identity Theft XXXX  XXXX Account Number : XXXX 7. Identity Theft XXXX  Account Number : XXXX 8. Identity Theft XXXX  XXXX Account Number : XXXX 9. Identity Theft XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
# 1... I had a debt from XXXX XXXX XXXX that was sent to XXXX XXXX and I paid the debt off over the phone with XXXX she stated they would flag it for removal and I also sent Equifax a dispute to have this taken off my report and when my 30 days were up the debt still remains on my report and shows not paid. I have reached out to XXXX credit in XXXX VA and she has stated that it has ben flagged last month for removal but Equifax will not remove it from my report. This is causing me a denial when I apply and they keep dropping my score I'm very disturbed by this matter and it needs to be fixed immediately. 

# 2 ... Also XXXX  XXXX  keeps reporting a bad debt once Equifax removes it they put it right back on there I am a victim of IDENTITY THEFT and this also needs to be removed and blocked from re-issuing on my report. these have been removed from my other reports from XXXX and XXXX, I need Equifax to be diligent and stop this I should not have to keep going through this every month. I have worked really hard on my credit and I refuse to let Equifax or a fraudulent person or company cause me any more hardship. 
I have filed a theft report with FTC AND A POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I was in a car accident XXXX XXXX and after I received all of my medical bills including my medical bills that was charged to me for my insurance company to handle/pay for me and I have my paper trail of that in my files on my car insurance app so I dont understand why this place is trying to add this on my report with that has already been handled by my insurance company already this 2year line that has been affecting my credit and I am LIVID about it because this bs has BEEN handled not this bs isnt doing nothing be affecting the XXXX  out of my credit. My hospital and ambulance bill has BEEN paid by my insurance company and it shows and when I look this up its not real XXXX? What is that?

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 2021-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: DE

Complaint narrative:
I was trying to get my rent paid and it time I have applied for long I have seen reply

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I paid XXXX between XXXX XXXX. They should have applied anything more than the min payment to the highest apr they applied to the lowest apr. cash advance is the highest. Purchases is the lowest. They tried to say they can apply to purchase first bc each one has different rate that is a lie. They didnt apply my payment right and refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
# 1... I had a debt from XXXX XXXX XXXX that was sent to XXXX XXXX and I paid the debt off over the phone with XXXX she stated they would flag it for removal and I also sent Equifax a dispute to have this taken off my report and when my 30 days were up the debt still remains on my report and shows not paid. I have reached out to XXXX credit in XXXX VA and she has stated that it has XXXX flagged last month for removal but Equifax will not remove it from my report. This is causing me a denial when I apply and they keep dropping my score I'm very disturbed by this matter and it needs to be fixed immediately. 

# 2 ... Also Yes Online keeps reporting a bad debt once Equifax removes it they put it right back on there I am a victim of IDENTITY THEFT and this also needs to be removed and blocked from re-issuing on my report. these have been removed from my other reports from XXXX and XXXX, I need Equifax to be diligent and stop this I should not have to keep going through this every month. I have worked really hard on my credit and I refuse to let Equifax or a fraudulent person or company cause me any more hardship. 
I have filed a theft report with FTC AND A POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: MA

Complaint narrative:
On XXXX I was notified by XXXX XXXX XXXX that my quote was {$400.00} higher as a result of reporting from LexisNexis. I contacted LexisNexis through their online portal on XX/XX/2021 to request a copy of my report. Their response indicated that they had no report under my name and that if I felt that that information was incorrect, I should provide proof of my reason. I forward the email from XXXX to LexisNexis on XX/XX/2021 to the address they provided in XXXX, XXXX By XX/XX/2021 I had not received a response and wrote to them once again. As of today, XX/XX/2021, I still have not received any response. After three inquiries dating back to XXXX, I feel they have chosen not to respond. I would appreciate any help you can provide as this matter clearly is affecting my credit. The LexisNexis Dispute Case # is XXXX. Thank you in advance for any help you may be able to provide. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX I filed a Chapter XXXX bankruptcy. I successfully completed the Bankruptcy obtaining a discharge on XX/XX/XXXX and the Bankruptcy was closed on XX/XX/XXXX. The final payment was made by the Bankruptcy Trustee in XX/XX/XXXX and was for XX/XX/XXXX. However, the Trustee did not file the Notice of Final Cure Until XXXX XXXX. 
Before the Final payment was made in XXXX, I contacted my Attorney, XXXX XXXX with XXXX XXXX, and asked when I would have to begin making payments. I did this because the mortgage statement that I received stated that my payment would be due XX/XX/XXXX. He contacted the trustee and was told that the payment would be due in XXXX as well. The Dated on the statement caused a lot of confusion. 
In XX/XX/XXXX I contacted BSI and attempted to make a of {$660.00}. I was told that I as already behind on my payments. I tried to explain the situation which was of no help at all. I, Also asked why I or my attorney was not contacted about the payment being due. Not receiving a adequate response, the call was terminated. I immediately call XXXX XXXX and informed him as to was had occurred. He told me to try again to make a payment and he would try and find out what was going on. over the next several weeks I tried to make payment multiple times and XXXX tried to Contact XXXX, both were unsuccessful. In XXXX, I even attempted to make a payment of {$1900.00} and that was rejected. 
On XX/XX/XXXX, I went to XXXX XXXX XXXX office and once again attempted yo make a Payment of {$1900.00} via a conference call. When the payment was rejected again, I asked why and was told that it was being rejected because it would not bring the Mortgage current. On XX/XX/XXXX XXXX XXXX sent a Letter to XXXX XXXX with XXXX XXXX XXXX explaining the situation and a resolution enclosed. 
The only option that they have offered is a Trial payment plan. See Attached. This does not guarantee a modification and it raises my interest rate. this plan included my Ex-fiance, who I separated from back in XXXX. I provided BSI with both the court papers and Quick Claim Deed to prove this. 
I was not contacted by BSI until after the bankruptcy was discharged. When I was contacted by their representative, XXXX XXXX, I tried to explain the situation and he refused to listen. he told me that they would foreclosing on the mortgage. After that phone call I called XXXX XXXX. After Several attempts he finally contacted BSI Attorney and managed to get the foreclosure stopped. We have made several attempts to taker care of this with no resolution. 
XXXX XXXX informed them that with the current pandemic, that there was the option of forbearance on my past due payments. Moving the payments to the end of the loan. this option was even rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
in XXXX-XX/XX/2020 I had a XXXX account show up on my credit report that I did not open. I filled it with XXXX as fraud and reported to my local police as identity theft although they said it was not of their concern and didn't do anything about it. after a few months of reporting it to XXXX It had left my report. now today I see it has showed back up on my credit score as Jefferson capital systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
Hello : There is more than one choice from above, but that can't be done. I have pd off one capital one acct and am paying off an other quite well. I received a pre approval offer in the mail and went on line. I filled it out and found I was instantly approved I called in because of the approval and int rate. Too bad. I tore up the mailed offer so can't provide it. Limit {$300.00}. ok for what I want as a senior. I was trapped to having the card. Each time I used it I paid in full. XXXX  XXXX  notified me that my score had gone down so I checked, then called capital one. My score went down because I was up {$19.00}. My limit was {$300.00} ; I had used XXXX ; XXXX ; XXXX, each paid for on the day I received my check. ( before the due date ) The final statement from capital one was if I ordered after the bill printed on the XXXX, and paid before the due date of the XXXX there would be no effect on my credit score. The amts charged were no where near the limit. I do not want this card and I do not want my score affected. This is not right. My statements on capital one and the XXXX and XXXX statements on XXXX XXXX support this. I do not know how to attach those things, but will give access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XXXX XXXX I received a notification from XXXX that a collection was added to my file. Upon review, Phoenix Financial Services placed a {$58.00} collection on my credit Bureau. I have no idea what this debt is for and it does NOT belong to me. This is the second time this company has done this. I have never received any notification by mail or phone. I have stellar credit and have never been late or have any debts unpaid. 

This company is in violation of so many laws and I am going to contact the attorney general of my state as well to inform them of the deceptive acts by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I bought my house in XXXX I was forced to file for bankruptcy. Chapter XXXX. Reorganization. I lost my job and was denied unemployment due to Covid 19. Local agency actually did not help me in any way. They made it very difficult on me because I complained about them on social media. So I was working for temp employment agency. I only worked part time 24 hours a week. US Bank would denied me loan modification. So I was forced into bankruptcy to save house. I struggled to make the trustee payments. I kept making trustee payments but was unable to make US Bank mortgage payments. I recently on XX/XX/XXXX signed on full time with company offering full time wages and benefits. As soon as they could legally US Bank filed to remove me from my home. Even though I just started working and requested loan modification application. They made me wait 1.5 hours on phone only to be told they can not let me fill out anything electronically. They will mail me application. They lied. They never mailed me anything. Except court papers to have me removed from my home. Even though I can afford to pay them 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 2021-10-24 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 and XXXX Scheduled payment amount reported by EQUIFAX and XXXX is incorrect and according to FCRA should be corrected and updated. I have documented proof but EQUIFAX and XXXX will not allow me to upload the documents online. Equifax and XXXX is stating that my monthly scheduled payment is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payment and EQUIFAX and XXXX refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving XXXX AND EQUIFAX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at EQUIFAX and XXXX even though they used to show the correct amount

Company response to consumer: Closed with explanation