vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
In XX/XX/2021, my husband and I were struggling financially because of reduction in income, due to the Covid-19 pandemic. We contacted our bank PNC, and requested assistance with our HELOC. We were advised over the phone that we could take advantage of a forbearance program, lastly 3 months, which would temporarily cut our payments by 50 %. We elected to participate in the program over the phone. We did not get paperwork detailing the terms or possible negative consequences of the forebearance. We made our partical payments XXXX of 2021, and resumed normal payments in XXXX of 2021. After the forebearance period ended our drawing privledges on our HELOC were revolked. We were not aware this was a possible consequence of the temporary forebearance. I contacted PNC and they said we could apply to have the drawing privledges reinstated, we have applied twice and been denied. This signifcantly harmed us financially, we were counting on using the funds available from the HELOC to pay off high interest credit card bills. We also noticed our HELOC monthly payments were increasing, so we applied to " lock-in '' the rate as per our terms and conditions of our HELOC, only to be informed the loan was no longer eligible for a rate lock, and is no longer a HELOC, but is now a variable rate mortgage, without the option of a rate lock. This is absolutely devastating. We can not afford to pay the increased monthly payment. We would NEVER have agreed to the forebearance if we knew the full ramifications of doing so. We need access to the equity in our HELOC, and we NEVER agreed to have it converted to a variable rate mortgage! PNC took advantage of us, and did not fully inform us of what we were agreeing to, or the possible permanent, and profoundly negative consequences. 

I contacted PNC bank on XX/XX/XXXX to dicuss my concerns, and try to work towards a resolution, but I have been unsuccessful. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
I was in a car accident on XXXX driving a brand new 2022 BMW that I had leased 3 weeks prior. The value is a {$48000.00} vehicle. The other driver rear ended me ( admitted it was his fault ) and I was just notified my car was totaled and can't be repaired. My insurance carrier is XXXX XXXX so they are now in litigation with the driver 's insurance company ( XXXX ) to get my claim paid. Until that is resolved, my insurance company has " paid '' the claim. This is where the issue is. My insurance company ( XXXX ) is paying the full value of the vehicle to BMW XXXX ( leasing company ) instead of paying them the remainder of my lease and paying me the difference. They are telling me that they had planned on paying out my lease and then paying me the difference but BMW Financial will not allow them to do it. I put {$10000.00} down on my vehicle that I had for only 3 weeks. Therefore, my insurance company is refusing to pay me what is owed back to me and paid the full amount to BMW Financial. 

I contacted an attorney and he said it is my insurance company 's responsibility to " make me whole again '' like I was before the accident which means they should be required to pay me the {$10000.00}. They are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: GA

Complaint narrative:
Ive submitted documentation to XXXX XXXX, XXXX, Equifax and XXXX indicating that there is a bankruptcy listed on my credit report ( s ) for which is inaccurate. Ive contacted the court for which they have claimed to receive documentation from who denies any information pertaining to a bankruptcy under my name is accurate. This documentation was submitted to the credit bureaus and XXXX XXXX. Ive tried disputing the bankruptcy numerous times for which they have failed to remove it and now I shall take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive submitted documentation to XXXX XXXX, Experian, XXXX and XXXX indicating that there is a bankruptcy listed on my credit report ( s ) for which is inaccurate. Ive contacted the court for which they have claimed to receive documentation from who denies any information pertaining to a bankruptcy under my name is accurate. This documentation was submitted to the credit bureaus and XXXX XXXX. Ive tried disputing the bankruptcy numerous times for which they have failed to remove it and now I shall take legal action.

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 2022-09-13 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: CA

Complaint narrative:
Credit reporting agencies constantly report fraudulent information even after properly disputing and demanding they remove the unfair, fraudulent accounts, statements and inquiries. Corporations are negligent and non compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: CA

Complaint narrative:
Credit reporting agencies constantly report fraudulent information even after properly disputing and demanding they remove the unfair, fraudulent accounts, statements and inquiries. Corporations are negligent and non compliant.

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 2022-09-13 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: LEXISNEXIS
State: GA

Complaint narrative:
Ive submitted documentation to Lexis Nexis, XXXX, XXXX and XXXX indicating that there is a bankruptcy listed on my credit report ( s ) for which is inaccurate. Ive contacted the court for which they have claimed to receive documentation from who denies any information pertaining to a bankruptcy under my name is accurate. This documentation was submitted to the credit bureaus and lexis nexis. Ive tried disputing the bankruptcy numerous times for which they have failed to remove it and now I shall take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I sold my property in XXXX, Florida and closed on XX/XX/2022. On XX/XX/2022, XXXX XXXX XXXX XXXX " transferred my already paid loan '' to Mr. Cooper and sent the closing loan payoff amount of {$160000.00} to Mr. Cooper. 

Mr. Cooper refuses to close the loan, has reported me to the credit bureaus as delinquent mortgage payments and is demanding an additional amount of {$8400.00}. Please help!

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 2022-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Earnest Inc.
State: IL

Complaint narrative:
The amount of harassment and threats that XXXX has caused not only for me, but my immediate family, and family members I didnt even know existed is unbearable. Every single day they call threatening me and harassing me with no regard. 

I will never talk to this so called company again. Theyre a joke and provide no solution to help. 

Ive received no less than 1,000+ calls from this company, along with my family over the last 3 months. Im trying to make a living and need them to leave me and especially my family the XXXX alone. 

Every time they call any of my family, itll just be one more week that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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:
ON XX/XX/22 I HAVE HAD NUMEROUS COMPLAINTS ABOUT EXPERIAN AND THIS TIME I HAD TO CALL NUMEROUS TIMES TO REMOVE 8 EXPIRED HARD INQUIRIES AND TO REPLACE THE LOST POINTS ON MY CREDIT SCORE. THEY FINALLY REMOVED THE EXPIRED INQUIRIES BUT REFUSE TO GIVE ME BACK THE POINTS THET TOOK AWAY FROM THOSE INQUIRIES. THE OTHER 2 CREDIT REPORTING AGENCIES XXXX AND XXXX UPDATED MY ACCOUNT WITHOUT ME EVEN CALLING THEM. WHEN I TRIED FOR THEM TO EXPLAIN WHY THEY DID NOT UPDATE MY CREDIT SCORE THEY GAVE FALSE REASONS FOR NOT DOING SO. THIS HAPPEN A FEW TIMES WITH THEM. I WORKED SO HARD TO RAISE MY SCORE FROM XXXX 5 YEARS AGO TO HIGH 700 'S AND THIS COMPANY ALWAYS HAS MADE IT SO DIFFICULT TO HAVE MY CREDIT SCORE TO WHERE IT SHOULD BE. I WOULD LIKE TO FILE A CIVIL SUIT FOR {$100000.00} FOR THIS VIOLATION.WHY ARE THEY ABOVE THE LAW?

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. However, someone with name XXXX XXXX with address XXXX XXXX XXXX XXXX, LA XXXX is using my social security number to open credit card accounts in my name. My credit report with XXXX, XXXX, and XXXX has my name as XXXX XXXX also known as XXXX XXXX which is NOT TRUE. I'm XXXX XXXX and is NOT known as XXXX XXXX. I am from XXXX and has never lived in Louisiana a day in my life. XXXX XXXX is a fraud. Please help me stop this lady from using my personal information. I am XXXX XXXX from XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
Mariner Finance refuses to correct their consumer credit reporting. I have tried several times to resolve with them directly but have not received any follow up about their actions and have not seen a change in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NJ

Complaint narrative:
I contacted TransUnion and XXXX regarding inaccurate reporting of 4 accounts. 
1. XXXX- 3 late payments reporting 2. XXXX XXXX- 5 late payments reporting 3XXXX XXXX XXXX - 6 late payments reporting 4. XXXX XXXX XXXX collection reporting The credit cards XXXX  XXXX XXXX and 2 XXXX XXXX accounts. I spoke to several representatives about inaccurate reporting and invasion of privacy. According to 15 US Code 1681 it is the consumer reporting agencies grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Because they are being paid to report these derogatory items they are not reporting fair and accurately and have not fulfilled their duties to re-investigate requesting physical evidence but only accept the payment and re-using the initial documents these creditors send them while neglecting the law, my right to privacy and basically accepting these payments as bribes and extortion to hurt my name and credit score. Also, as per 15 US code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party meaning any financial transactions between me and any financial institution. The creditor is sending financial statements even after I have opt-out and exercised my right of non-disclosure and after speaking with both CRAs they refuse to comply to federal laws. I want these accounts updated to never late and paid on time as a resolution. 

XXXX XXXX XXXX- I have no business with this collection agency. They have not send any physical evidence such as a written contract between this business or me. there is no trilateral contract including this company between XXXX, myself, and them. Please have this account removed.

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a Citibank credit card for 6 years and 2 months. I have been on time 100 % I received a letter from them saying that they chose to close my bank account BUT the letter said nothing about closing my credit card. On XX/XX/XXXX, while shopping at Costco, they allowed a credit of just over XXXX, but XXXX mins later they denied the purchase. There was no notice or reason why they abruptly shut down the credit card account. Furthermore, there are three different account holders on this credit card that were affected abruptly. When my husband and I called, we were told we had to fax a letter asking why this happened. We did so and we have received no response. We called again today and were told that a letter would be coming to us in the mail. This is absurd and we deserve to know why this action was taken against us, when we have been 100 % on time with every payment for six years and two months straight

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 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
Called Edfinancial on XX/XX/XXXX and asked to be refunded {$10000.00} in payments made during covid based as approved by the Cares Act. I called today XX/XX/XXXX to follow up. And there's been no progress. My balance has not been reinstated and a refund has not been issued. They quoted me that this would take 150 business days or longer and I'm afraid this also effect me when appy for the newly approved forgiveness. Other loan servicers are giving 30-45 day turnovers for the same refund. This company doesn't allow me to check my balance online nor will they provide a written confirmation of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlas Credit Company, Inc.
State: OK

Complaint narrative:
I cashed a check that was sent to me and was never contacted by the company. I finally got ahold of them and they were rude from the beginning. They changed to terms of the loan from the beginning I tried to explain to them that it was wrong and was told to just make my payments. I started getting emails and I sent them the original contract and the copy they sent me and told them I wanted it fixed. They did that and the rudness got worse the due date was changed. I explained I was not due till the XXXX of the month and a lady said nope that was changed your do on the XXXX or XXXX remember. I told her I would pay it on the XXXX and she told me it was to be made that day. I've reviewed many voice-mails and today I received a text message from XXXX saying " XXXX this is Atlas Credit. We have tried every way possible to contact you and work with you regarding the payback on this account and you have failed to respond or pay. So now we are texting you to inform you that we will be filing a judgement on this unpaid account. You have until XX/XX/22 to call or come by the office and get this account taken care of or we will be filing with the courts on XXXX " I refuse to call and be spoken to the way they do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received a loan modification from TD Bank which I accepted and signed on XX/XX/XXXX. The first payment under the modification was due XX/XX/XXXX. I made this payment at the time I signed the modification, and made payments for XXXX, XXXX and XXXX as well. TD seems to have at least partially implemented my modification, since the interest rate and principal balance have been updated on my monthly statements. However, the XXXX and XXXX statements ( for the XXXX and XX/XX/XXXX payments ) show that my payments are not being properly applied to the mortgage. The modification should have reinstated my loan in XX/XX/XXXX, yet TD claims I owe {$5000.00} and am over a year delinquent on my loan. Copies of the loan mod and my most recent two mortgage statements are included. I would like TD to correct its accounts to reflect the XX/XX/XXXX modification and show that I am current on my mortgage.

Company response to consumer: Closed with non-monetary relief