vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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: PA

Complaint narrative:
i Have Both medicare and medicaid and was balance billed by doctors office. in Pennsylvania i can not be held responsible or billed or sent to collections for balance billing it is against state and federal insurance law and consumer protection law. i was sent to collection company XXXX XXXX XXXX XXXX XXXX XXXX please investigate not only with debt company but also XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC will not allow XXXX to link to my account. It has worked in the past until they made a change preventing my account to fully sync. This has created a loss in revenue due to XXXX  being an investment account. PNCs action was unapproved by me. I am currently able to have automatic deposits into XXXX, but PNC wont allow roundups, small irregular deposits Into XXXX, to be taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX   XXXX XXXX  XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX USDOE/XXXX XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX USDOE/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX   XXXX XXXX XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX USDOE/XXXX XXXX US DEP ED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX USDOE/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I'm trying to use a platform to load money into my account and business purposes, but pnc is one of the only bank that wouldn't allow you to accessories banking details thru a 3rd party

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-08-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
We have a owner builder construction loan. We are now ready to close which is over the time limit because of the virus. Contractors closed and had to put construction on hold under contractors could once again proceed. Now the bank wants to charge us at closing for going over the time limit thru no fault of ours and not willing to budge

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 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
Issue is Origination Fee changed after lock-in. 

XX/XX/2020 Closing Disclosure : Interest Rate 3.375 %, Origination Fee : {$290.00} XX/XX/2020 Closing Disclosure : Interest Rate : 3.375 %, Origination Fee : {$1500.00} When I asked the mortgage broker why our rate changed, even though we are in the lock in period. This is the response I received. 

" Your rate didnt change after it was locked. When we added the loan subordination, it cost XXXX in discount points which translates to {$1200.00}. This is not a Planet Home Lending fee. This is an unavoidable fee from XXXX XXXX  when there is a subordinated loan. " - Planet Home Lending Mortgage Broker I tried contacting XXXX to confirm their stance on this fee, but their customer service desk was unable to confirm this. 

The subordination was not a new item, it was known ever since the credit report at the beginning of the lock-in phase. 

I'm simply looking for the validation of the following two questions : -  That this is truly a mandatory fee for Mortgages with subordination as mandated by XXXX XXXX  - Shouldn't the Disclosure document have this information from the beginning ( first disclosure ). e.g. Why have a disclosure of fees document, if the fees keep changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: United Collection Bureau, Inc.
State: TX

Complaint narrative:
on XX/XX/2020 I contacted UCB and requested a deletion letter for paid collection. It was agreed that I would receive deletion letters for payment in full. The company now refuses to send me deletion letters and is stating they never agreed to a deletion letter. 
The Director of Operations claims to have listened to my recorded call. He refuses to acknowledge that I requested a deletion letter and that an agreement was made upon that request. He alleges that the employee only agreed to give me a " paid in full '' letter. This is not true as I would have refused such a letter. I specified what was needed and why. I requested a transcript of the recording and they are refusing to provide this. I feel that they are being deceptive. I feel that if one were to listen to the call, they would clearly hear that I was led to believe that upon payment of my accounts I would receive the deletion letters. I believe that the employee did not once mention that they do not provide deletion letters. I believe that the Director of Operations is  being dishonest about listening to that call and is refusing to acknowledge their promise to a paying customer. The company 's deceptive practices is not acceptable and I would like an investigation as well as a 3rd party to listen to the recorded call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They have a lot of information incorrect on my record that should be removed. 
such incorrect last name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: IN

Complaint narrative:
Goo day, In regards to my credit an error has been created due to Trans union credit reporting or XXXX XXXX XXXX XXXX. 

On the XXXX of XX/XX/2020 my credit report was correct. On the XXXX of XXXX my credit report showed from XXXX XXXX an account that my account was closed and a new account opened with no activity on it. 

That error dropped my score 115 points. 
Previously I paid off accounts and paying on accounts to establish my credit worthiness. 

The errors are now taken off my credit report but my score is still down 100 or more points. This issue is effecting me due to someone error. Trans unoin b lame XXXX and XXXX blamed transuion for this error. 

Attached are documents to reference my claim. Please can someone assist me in this issue.

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 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Navy federal froze my accounts on XX/XX/XXXX I have talked to numerous of reps and have been told different things. I have had my accounts for a few months now, one rep stated that I had to show proof of relation to another navy federal member, This information wasnt requested when I initially opened the account why now?? I then was told that my accounts was froze due to a transfer I received, which one is it why is my accounts frozen? I have been inside the branch with no help at all I have sat on hold for hours over the last week and my accounts still are locked I have provided proof of my identity as well as address my accounts are still locked

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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 am XXXX XXXX. This matter concerns student loans ( account number XXXX ) taken out for me by my father, XXXX XXXX ( deceased as of XX/XX/XXXX ). The lender is the U.S. Department of Education, and the servicer is XXXX. The loans are " Parent Plus '' loans, with a total amount ( principal and interest ) of {$34000.00}. This amount appears on credit reports issued by Equifax, XXXX, and XXXX  for me, XXXX XXXX. The amount was supposed to have been removed due to my father 's status as XXXX  ( XXXX XXXX XXXX   XXXX ) ; this status was initiated in XXXX. The issue occurred because in XXXX, my father overlooked renewing his XXXX  status with XXXX, which caused the loan to revert to active status. 

Due to my father 's failure to renew his XXXX  status with XXXX, in XXXX of XXXX the loan amount of {$34000.00} appeared on my credit reports issued by Equifax, XXXX, and XXXX, DESPITE my having submitted to XXXX on XX/XX/XXXX, my father 's death certificate ( see attached document ). Please assist me in removing the {$34000.00} loan amount from my Equifax, XXXX, and XXXX  credit reports. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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 am XXXX XXXX. This matter concerns student loans ( account number XXXX ) taken out for me by my father, XXXX XXXX ( deceased as of XX/XX/XXXX ). The lender is the U.S. Department of Education, and the servicer is XXXX. The loans are " Parent Plus '' loans, with a total amount ( principal and interest ) of {$34000.00}. This amount appears on credit reports issued by XXXX, Experian, and XXXX  for me, XXXX XXXX. The amount was supposed to have been removed due to my father 's status as XXXX  ( XXXX XXXX XXXX   XXXX ) ; this status was initiated in XXXX. The issue occurred because in XXXX, my father overlooked renewing his XXXX  status with XXXX, which caused the loan to revert to active status. 

Due to my father 's failure to renew his XXXX  status with XXXX, in XXXX of XXXX the loan amount of {$34000.00} appeared on my credit reports issued by XXXX, Experian, and XXXX, DESPITE my having submitted to XXXX on XX/XX/XXXX, my father 's death certificate ( see attached document ). Please assist me in removing the {$34000.00} loan amount from my XXXX, Experian, and XXXX  credit reports. 

Thank you. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours
State: NC

Complaint narrative:
Linked my account but it says XXXX doesnt allow me to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED 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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED 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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$430.00} XXXX   XXXX {$1000.00} XXXX, XXXX  XXXX {$240.00} XXXX  XXXX {$740.00} XXXX/XXXX  XXXX {$460.00} DPT ED/XXXX XXXX {$450.00} DPT ED/XXXX XXXX {$21000.00} USDOE/XXXX  XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Back in the end of XXXX this year i was on social media & I got a message from a XXXX XXXX on XXXX & it said get paid {$1500.00} a week Just for keeping me happy, so therefore I went along with it she wanted my bank account information so I gave out the detail for it, she also wanted some money back which I didnt know why I be receiving information about my transaction saying Stop Payment I think since this morning my bank account had been frozen since this I was receiving fake checks but I still have the photos

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$430.00} XXXX   XXXX {$1000.00} XXXX, XXXX  XXXX {$240.00} XXXX XXXX {$740.00} XXXX/XXXX  XXXX {$460.00} DPT ED/XXXX XXXX {$450.00} DPT ED/XXXX XXXX {$21000.00} USDOE/XXXX  XXXX {$420.00}

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$430.00} XXXX   XXXX {$1000.00} XXXX, XXXX XXXX {$240.00} XXXX  XXXX {$740.00} XXXX/XXXX  XXXX {$460.00} DPT ED/XXXX XXXX {$450.00} DPT ED/XXXX XXXX {$21000.00} USDOE/XXXX  XXXX {$420.00}

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 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2020 there were 4 charges totaling {$550.00} from XXXX that Chase Bank ( phone XXXX ) flagged as fraud on my Chase Freedom credit card and shut down the card. I spoke with the Chase Fraud Dept. explaining that I did not make or authorize the charges. On XX/XX/2020 Chase reversed the charges from my account. 

Subsequently on XX/XX/2020 Chase reapplied the charges to the account. When I spoke with their fraud department again, they explained that following their investigation they noticed that we had prior purchases from XXXX so they assumed the charges to be valid. 

If they had actually investigated this, as they stated, they would have found that : 1 ) We have never used XXXX, which is a food delivery service 2 ) The actual charges make no sense because the charges indicate a purchase of {$550.00} on four separate purchases on the same day all for sushi, for walk up service ( note XXXX is a DELIVERY service ) 3 ) Chase was the one who first identified the charges as fraud and notified us.

Company response to consumer: Closed with monetary relief