vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AL

Complaint narrative:
My account was transferred to PNC bank from BBVA compass bank and I received 2 micro deposits from XXXX XXXX XXXX for XXXX cents and XXXX cent so they can verify my new bank account and then they withdraw the total of XXXX cents. PNC bank made a mistake and cancelled the 2 deposits from XXXX XXXX XXXX and just kept the withdrawal of XXXX cents and that is a huge mistake for a big bank like PNC to make. My balance was reduced by XXXX cents and the deposits of XXXX cents and XXXX cent were cancelled or dropped by PNC bank. I want to know how PNC bank can make a mistake like this and they should rectify that mistake and fix my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I have called acima numerous time to payoff the balance on my current lease, but they keep giving me excuses and want me to pay an Early Purchase Amount : {$430.00} + tax olin order to pay off the account, when hen I have already paid {$530.00}. My total purchase was for {$440.00}. 
This type of company should be out of business, they rip off customers.Please help me to resolve this matter. This

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: IL

Complaint narrative:
The accounts listed below do not belong to me. Pursuant The FCRA credit agencies must verify accounts reported on a consumer credit report. I did not give any company nor agency consent to benefit from or utilize my authorized credit. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX Original creditor XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
in XX/XX/2021 I noticed this company reporting multiple debts on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
This loan is not mine it should go under my daughters SS # while this is affecting me getting financially causing hardship by me having to refinance my mortgage.I continue having a low credit score with these student loans of {$47000.00}. Please remove me from all credit reporting as I should not be the primary burden of the loan. 

Thank You Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuse to send my free annual credit report. i filed a complaint with CFPB case # XXXX they answered this stating I must send proof of documents driver 's license etc. I sent this to them already. 
WHY ARE WE GOING IN CIRCLES?? DID THEY LOSS MY PERSONAL INFORMATION!! 

WHERE IS MY FREE ANNUAL CREDIT REPORT. THAT IS WHAT I'M ASKING FOR AND MY CREDIT SCORE. WHAT IS SO HARD. 

I SENT IN MY REQUEST WITH ALL REQUIRED DOCUMENTS. pLEASE MAIL TO MY MAILING ADDRESS. YOUR VIOLATING MY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Regarding : XXXX XXXX XXXX XXXX XXXX # XXXX, this home was sold on XX/XX/XXXX. As you can see with the attached HUD1 settlement statement. The Deed of Release was filed on XX/XX/XXXX. 
Equifax is reporting this home as last delinquent as of XX/XX/XXXX! How is this possible when these accounts were paid in full XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Promotion for opening account included {$200.00} ( 20,000 points ) when you spend {$750.00} in the first 3 months. It also stated that the first {$500.00} will get 5X points and everything else will get 1X points. I spent {$3000.00} on the card in the first 3 months. I received the 20,000 points and then 3000 points ( 1X on dollar spent ). It should have been 20,000 points + 2500 points ( 5X first {$500.00} ) + 2500 points ( 1X remaining {$2500.00} ). I already received 23,000 points ( 1X on full {$3000.00} ). I made multiple attempts to remedy this with them, but it is always escalated to the rewards department, however, I never receive a response from them and the points are never updated properly.

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 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
NewRez Servicing currently services my residential mortgage loan. On XXXX, I paid off the loan in full and received an informal acknowledgement of that fact. However, I have not received any formal documentation showing the mortgage release. Secondly, XXXX, XXXX, and XXXX all show that the mortgage loan is still open with a balance. On approximately XXXX, I called NewRez Servicing to get this corrected. After an extended hold, I spoke with a representative. She stated that they had already sent a mortgage release letter ; however, I never received it. She stated that she would send a second letter. As of today, XXXX, I have not received that documentation. 

I also told her that my credit bureau information had not been updated to show that my mortgage had been paid in full. She connected me with another representative. He stated that he would have this corrected. As of today, I still have not received any documentation from NewRez showing that the credit bureau information has been updated.

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 2021-10-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent letters to Equifax, XXXX, XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 171 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent letters to XXXX, Experian, XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 171 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

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 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX blew off in Utility room flooding 3 rooms before we could get water cut off. We filed claim with XXXX XXXX immediately. NO adjuster was sent to our house because of Covid. We had to provide tons of pictures of the damage to them. Had to get 2 bids from 2 different contractors, who also took tons of pictures and sent to XXXX XXXX. XXXX XXXX helped us pick the right contractor, and sent us a check for {$91000.00} for us to both sign and overnight by XXXX to PHH Mortgage Services. Now PHH says that we have not provided an Adjuster 's Worksheet, and will NOT release OUR money back to us. There is NO Adjuster 's Worksheet because no one was sent out here because of Covid! XXXX XXXX along with myself have called numerous times. We get the run around EVERYTIME we call. XXXX XXXX has told us that they have sent every paper and Form that they should need. How do we get OUR money back from them?? Please Help!! Our home was a {$400000.00} Mortgage and we only owe them now {$63000.00}. Thank you, XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. XXXX, TX XXXX. XXXXXXXX XXXX cell ( XXXX ) XXXX, XXXX XXXX XXXX cell ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I noticed this company reporting multiple debts on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
SANTANDER CONSUMER USA


Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX
XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I would like the company in question to send me all the information I requested to validate the debt as belonging to me. If they are unable to provide the information in the tile allowed by their governing body, they should refrain from reporting the information to the credit bureaus, remove my information from their internal books and never sell, or forward my information to any other company with mean of collecting a debt from me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
This debt is from XXXX XXXX. I was signed on a lease mid XXXX. And signed off by all appropriate parties on XX/XX/16. I did attach documents of proof on a dispute. Ive also disputed this through XXXX and XXXX. Both have deleted the debt from my credit. XXXX seems to want to hold this on my credit even though the documents prove this debt is invalid and is hold me back from getting into a home. Im close to being homeless because this fake and invalid debt is not being removed after several attempts and showing proof. Im going to get an attorney involved if this doesnt get removed and deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX5 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Report : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1.XXXX  ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 3.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 4.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 5.XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 6XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 7.XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and XXXX am not benefiting from these inquires Transunion, XXXX, XXXX ) 8.XXXX XXXX  Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 9.XXXXXXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and XXXX am not benefiting from these inquires Transunion, XXXX, XXXX ) 10.XXXX XXXX  XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, 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 2021-10-13 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am in a payment program with CITI Cards that was accepted by the XXXX  XXXX  XXXX. I stopped working with my Credit Counselor due to personal reasons and wanted to set up CITI for automatic payments. I called CITI three months ago ( prior to the date of this complaint ) and they took payment and assured me I could set up my Macy 's card ( serviced through them ) and my Thank You card a Visa card through autopay. The Macy 's Card has been auto deducted but the Thank You Visa card has not been. I was reported late which CITI promised not to do, and they subsequently told me I could not set up autopay. I have made several attempts to pay, but they told me attempts to pay must on auto-pay must be done through the credit counselor unless it is a one-time payment. That does not make sense if they can take one-time payments. Additionally, they store payment information indicating they have a way to store and transmit payment information monthly.

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 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
SIX SEPERATE ACCOUNTS POPPED UP ON ALL 3 OF MY CREDIT REPORTS FRAUDULENTLY CAUSING MY CREDIT SCORE TO DROP TREMENDOUSLY. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: COMMERCE BANK
State: IA

Complaint narrative:
Commerce Bank- they charge a XXXX processing fee that is not disclosed in the terms of the loan provided by the dealership. 
-took 6 phone calls for then to provide the correct steps on where to have my bank send checks so my car payment is accepted. 
-They accepted the first check in XXXX set with my bank for recurring they returned the XXXX checks saying the account can't be found the XXXX check number is XXXX They have attempted to send me to collections for the missed payment. 
On XX/XX/XXXX XXXX sent another recurring payment via check number XXXX, they have yet to process the check. 

This issue falls under XXXX since the fee 's are across all non commerce bank customers. Checking Books are not a normal thing any longer. Most people and business use electronic payments due to safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
reached out to TransUnion, they kept hanging up on mer. could not talk to rep.

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 2021-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have sent several letters to these companies which are : 1.Capital one auto Finan, 2.XXXX XXXX  XXXX, 3.XXXX  also known as ( XXXX XXXX XXXX XXXX ), and 4.XXXX  XXXX asking them to send me validation or Verification of the debt that they claim I owe. It has been more than 30 days since I sent these letters out with No response These company is reporting fraudulent information on my credit report Which is Violating my consumer rights. They are required to respond to my letter within 30 days. Since they have not these companies most send a letter to the three credit bureaus XXXX XXXX XXXX that they most delete these companies off my credit Report.

Company response to consumer: Closed with explanation