vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I was trying to link my pnc back account to a payday loan app called XXXX  but the app saying it cant connect my bank account due to pnc having somekind of spyware that wont let it connect to my account even after me giving the app permission

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Shellpoint Partners, LLC
State: SC

Complaint narrative:
MY LOAN WAS SOLD TO A MORGAGE COMPANY CALLED NEWREZ. WHEN I CHECK MY CREDIT REPORT MY HOUSING LOAN IS NOT THERE. I HAVE LEFT MESSAGES ON THEIR ONLINE WEBSITE AND THEY HAVE NOT RESPONDED. I PAY ON TIME AND THIS IS EFFECTING MY CREDIT SCORE. THEY HAVE GONE BEYOND THE PERIOD THATT HEY HAVE TO REPORT THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have request that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I have update my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.

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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I ordered a copy of my credit report. I noticed some fraudulent accounts that were not opened by me. Please investigate these fraudulent accounts and remove them from my credit report. Please send an updated copy of my updated credit report.

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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I ordered a copy of my credit report. I noticed some fraudulent accounts that were not opened by me. Please investigate these fraudulent accounts and remove them from my credit report. Please send an updated copy of my updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have request that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have update my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I had an overpayment from XXXX with the Florida XXXX  XXXX XXXX XXXX, that was discharged in my Chapter XXXX Bankruptcy XXXX. I provided XXXX and their benefit payment unit a copy of my bankruptcy. I currently have an active, and payable unemployment claim. However, the XXXX contracted collection agency, United Collection Bureau, is garnishing 100 % of my state benefits to recoup my overpayment with them that was included in my chapter XXXX bankruptcy. I sent copies to XXXX, and United Collection Agency to  cease all garnishments of my state benefits to no avail. This is a direct violation of federal law namely section 524 of Title 11 of the United States Code, otherwise known as a bankruptcy discharge violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I bought a truck in XX/XX/XXXX from XXXX XXXX XXXX in XXXX, Texas. I made my first two payments on time, but due to layoffs and the corona virus, I was late on my third payment. It was due XX/XX/2020 and I paid it XX/XX/2020. I had spoken with the bank ( United Auto Credit ) and they assured me that if I made the payment my account would remain good and that I would be back on track. The dealership urged me not to pay the payment, telling me that my loan was no longer valid. I made the payment because the bank insisted it would be okay. During the time, the dealership called and texted me repeatedly telling me to bring the vehicle back. The bank insisted I must maintain possession of the vehicle. As of today, XX/XX/2020 I was informed that my loan account had been returned to the dealership to purchase. The dealership informed me they would repurchase the vehicle and file it as stolen if I dont return it tomorrow. My cousin who has been in the car dealership business has went over my contract and even he says something isnt right about this situation. I need help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is showing a collection on my credit report from XXXX XXXX with XXXX XXXX XXXX as a client. 

I do not have a XXXX XXXX XXXX  account that went into delinquency in 2014 nor at any point within the statute of limitations of the Fair Credit Reporting Act. I have not received any communication from the XXXX XXXX XXXX in over 15 years. 

I contacted Equifax recently, and they claim they verified the debt as mine, which is not possible. Equifax did not send any documentation of this verification, which makes me wonder if their employees are just being lazy and waiting until enough time passes before saying they investigated but found nothing wrong. 

I would like the XXXX XXXX deleted from my Equifax credit report, as the other credit agencies have done. 

The account number I am providing is Equifax 's confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I've been having problems maintaining my account due to COVID. I am still on CARES ACT unemployment and money have not been going through as often. Therefore I am politely, yet sternly demanding all {$440.00} collected from me in overdraft fees from XXXX be returned to my account or risk loosing me as a customer. 

Ive been with chase since XXXX and I wish for it to stay that way. 

You guys make billions every year in overdraft fees alone and to be quite honest I hope legislation will happen in the upcoming decades that require you guys to not charge more than a certain amount per day/ transaction. 

I have a kid to raise and bills to maintain, please don't get in the way of that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I was approved for a loan modification to a HELOC reset. I was having trouble affording the payment. After signing the agreement a few years later the loan was sold. 
I had a new servicer, SLS, who changed the loan term. They are now charging me a {$30.00} late charge for payments I made the same time as with the previous servicer. 

They accelerated the grace period about a week. That posed a problem for me.. That was the reason for the modification because my source of funds are direct deposited into my bank the latter part of the month. I can only make payment after the funds are in my account. The modification did not specify when late charge would be assessed or amount. The previous lender said late charges may be assessed after 15 days, more like a mortgage See loan statements. This continued throughout the loan with the previous servicer. 

The current servicer, Specialized Loan, responded to my complaint # XXXX with copy of pages from the modification agreement leaving out the disclosures pages that were part of the agreement. They were silent as to late charge and amount. 
The original lender said 'once the modification was is in effect it could never revert back to the original terms '! 
Each loan statement where I made payment on the XXXX of the month NO late charge was assessed and said ... 
Your Home Equity Account has been modified under a Modification Program. This statement reflects the changes made to your account. See attachments The only payment made after the XXXX was XX/XX/2020 in the middle of the pandemic as I was waiting on my stimulus check. I call Specialized to let them know, payment went out next day after received. 


XX/XX/2020 ACH Transaction - XXXX XXXX XXXX XXXX XXXX ACH Credit {$1200.00} {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MI

Complaint narrative:
I let my friend use my cash app to deposit his unemployment due to quarantine and then cash app reversed it. So my grandfather XXXX   and people sent money to my cash app to help assist pay for burial and things and they wont let me access the funds. I contacted the number they provided to per email and they stated that since they got their funds back now its up to cash app now its been a month going on two and since shutdown is almost over I want to give my grandfather the proper sending home. XXXX from a relative XXXX from another relative, and XXXX from another relative, and XXXX from a family friend and then they stated they thought it was fraud but it cellars shows from a debit card!!!! Then I got refunds and they disabled my cash card so I cant use that money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am emailing In regards to the {$210.00} In overdraft fees charged on my account from XXXX. Most of these fees where charged after I was successfully pay off the balance before XXXX EST on the dates in question. I called about It once and got a lame explanation from one of your representatives. Why should I be responsible for overdraft fees when I paid off the balance to prevent one before the business day is over? 

In addition, who charges overdraft fees after paying money towards a business account that's overdrafting? Thats very sick and evil. 

I politely, yet sternly demand that Wells Fargo refund me {$210.00} dollars or risk loosing me as a customer of two accounts.

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 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS 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 2020-06-10 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a credit card product with BBVA compass on XX/XX/2020 I attempted to make my monthly payments but was unsuccessful because access to the bank and the services was limited by the corona pandemic. 
I made several attempts to make my payment but was only able to finally make the payment on XX/XX/2020. 
You received a late payment for that month and have tried to resolve with the bank but can not seem to get any help. 
I wanted to summit this complaint as my credit has been severely affected, dropping 100 points and affecting my credit point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
I refinance my home on XX/XX/20, this was the closing date. I identified a problem the week before with the tax information they were using to calculate my Closing Disclosure. They had the wrong property they were getting the tax information on. I even sent them the correct tax ticket. The loan closed, I was charged {$250.00} to pay a tax bill of {$34.00}. I have been trying to get Lakeview Loan Servicing to fix this. The closing agent they used has paid the tax bill and they are waiting for Lakeview to tell them what to do with the money. I'm a XXXX veteran, so I am exempt from paying taxed on residence and 1 acre of land. My tax bill for this property is for the additional 14 acres I own with it. This should of been fixed before closing, but that bridge has been crossed. I do not understand why it takes them over two weeks to correct this issue. I have sent them several request and I have called several times. They never formally responded to my first written request on line and they refused to put in touch with the escrow department. Lakeview Loan Servicing, PO box XXXX, Virginia XXXX VAXXXX. These folks are spread out, so this may not be the actual office that would handle this. Their number is 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 2020-06-10 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: GA

Complaint narrative:
The following item have not been properly investigated and I have requested numerous times for validation of these items : 1. XXXX XXXX - This item was paid in full by the insurance company during an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My bank account keep showing up negative on my XXXX XXXX account.It wont link to my XXXX XXXX account or update

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
This was back in XX/XX/XXXX I had a Santander USA loan and they repoed it XX/XX/XXXX I just put a complaint in about this no response since XXXX XXXX it is about the corporations also everytime I put a complaint since she has taken over u got to have millions of dollars to get anything done. Santander USA in NJ charged me on a XXXX XXXX XXXX XXXX $ for 74 months interest rate was 22 %. Yes I have put a complaint but havent got a response so I figure do it again this is what I get fidnt u just put a complaint in for this!! Yes but I guess people in XXXX XXXX are having brain freezes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: CA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX and XXXX of 2016. There was an error on their part. I was never late.

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 2020-06-10 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: CA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX and XXXX of 2016. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XXXX and XXXX of 2016. There was an error on their part. I was never late.

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 2020-06-10 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: GA

Complaint narrative:
The following item have not been properly investigated and I have requested numerous times for validation of these items : 1. XXXX XXXX - This item was paid in full by the insurance company during an accident.

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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion has not properly investigaed the following item on my credit report.I have requested this valaidation numberous time before. No documenetaion has been sent to me for this unverified account.

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