vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: PA

Complaint narrative:
Last year I received several notifications that my information was exposed in several mass data breaches such as the Equifax data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: VA

Complaint narrative:
XXXX XXXX continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that XXXX XXXX reported this entry XX/XX/2019 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. I sent a letter to XXXX XXXX disputing the validity of their entry and the mere fact that they did not provide any written communication to me prior to inserting the entry on my report. 
This company has had months to respond to me with the financial responsibility page or anything that verifies this account indeed belongs to me. 
Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that XXXX XXXX has no intent to honor nor respond to my previous disputes with my signature reflected on the documentation ; therefore, in the absence of them not sending me notification prior to inserting this on my report, this entry must be removed from my credit report immediately.

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 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I mailed a payment on XX/XX/XXXX with the coupon and check to PHH Mortgage serviced by XXXX. I checked my account and saw the check had not cleared. I called and they confirmed they received the check however because it would pay the loan off they would hold my check for 10 days then process it. It is now 12 days later and multiple phone calls they still have not deposited the check. I'm up to 5 phone calls. On the back of the statement I receive every month it states : Payments received Monday through Saturday at the address on the payment coupon will be credited the date of receipt if 1 ) in US dollars in the form of a check drawn on a XXXX XXXX, and 2 ) received in the envelope provided with the coupon enclosed. I complied with both of these requirements. I did pay a bit more than what I owed to be sure I had enough to pay out the mortgage. They told me I have to wire my final payment. No where on the statement does it say I need to do that nor should I have to pay {$35.00} to wire money to them. My balance is very low. They also ARC the items ( ie turn the check into an ACH ) so their is not reason to not process this check. My account is current and never had a late payment and they can also see I have made a large payment the first quarter of every year to reduce principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: TX

Complaint narrative:
I am a paying member of Trans Union Credit. I have access to all 3 credit reporting agencies. I have in the last 90 days filed disputes per their process. I had an installment loan with XXXX loan # XXXX which I paid off two months ago. Trans Union 's credit report shows the balance of {$16000.00} is now XXXX. However, When I check all three agencies reports it still shows a balance due of {$16000.00}. When I tried to file a new dispute and went through the online process I get a messages back " We are sorry, but we are unable to to full fill your request your request at time '' Then a message, " what to do Now ''. 
I paged through this information and finally found a phone number to call customer service, I was placed ON HOLD for 1 hour and 15 minutes and when answered it was a lady in XXXX. She told me that the XXXX account showed XXXX  on balance. So I walked her through going to all 3 agencies reports and that there it shows the account is still open and the NOT paid off which is wrong. She acknowledged that she agreed with this. However, that the dispute and technical depts. were having difficulties and she could not do anything about it. I ask her, I have been working on this for 2 weeks and are no closer to getting someone to resolve it. She said she could file the dispute manually and I would get a confirmation email that this was done. She verified my account and email with Trans Union. To date I NEVER received the confirmation. For me this is very frustrating and I consider it Harassment and nobody at Trans Union cares because they do not have to take care of this our satisfy my disputes and to think I paid them {$29.00} for the privilege of getting screwed. I thought the U.S. Government had taken action to prevent these credit reporting agencies from hassling, delaying and not servicing the American Public ... .my experiences are nothing has changed, 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 explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: WI

Complaint narrative:
In XXXX of XXXX, I opened an account at PNC Bank, and the next day the bank closed the account and did not give me a reason. XXXX at PNC Bank at the XXXX Branch in Wisconsin talked to me about the account and stated that she was waiting for a manager approval and she did not get back to me on that, so I called customer service about the matter and the representative claimed that I wrote out a check in XXXX and I never did, My sister had an account back then, I believe the PNC bank is getting me and my sister mixed up with wrong information. I also talked to the branch manager at that location and could not even give me a reason either. I was a customer to the bank 4 to 5 years ago, and I did have balance, but was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: GA

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. Also, there are several inquiries on my name. I have not given anyone the 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 suspicious accounts from my reports as soon as possible. 

XXXX XXXX {$2300.00} XXXX  XXXX {$24000.00} XXXX/XXXX   XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$6300.00} XXXX  XXXX  XXXX {$670.00} XXXX  XXXX  XXXX {$3300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$51.00} XXXX   XXXX {$2300.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$90.00} XXXX/XXXX  XXXX {$150.00} XXXX/XXXX  XXXX {$2200.00} XXXX XXXX  XXXX {$9900.00} XXXX XXXX {$8000.00} XXXX XXXX {$98.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: CA

Complaint narrative:
XX/XX/2019 my wallet is stolen.The perpetrator tried to open two credit card accounts under my name XXXX XXXX, I had the two credit cards removed from my credit history with XXXX. I notice on my credit history a bankruptcy on my account under the name and a middle initial ( XXXX XXXX XXXX XXXX, I had XXXX and LexisNexis investigate this matter. My name is XXXX XXXX XXXX XXXX, No middle Initial. I called the bankruptcy court and i was informed that The U.S. Bankruptcy Court, XXXX XXXX   of California does not report information to any credit reporting agency. In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 c ( a ) 1, LexisNexis and XXXX are refusing to remove and delete this bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
I discovered that I needed new roof in XXXX of XXXX. Decided to employ XXXX XXXX. Home Insurance agreed and released partial payment to begin on XXXX XXXX. PHH Mortgage is the co. that has a reverse mortgage on our home. After many calls they finally released the funds for the roofers to begin work. The roof was completed XXXX XXXX, XXXX. I have been trying to get the mortgage to release final payment since they received the final payment from our home ins. They still haven't sent the money and every time I call I am given a different excuse. I have since decided to sell our house and was scheduled to close on XXXX. XXXX. I informed the mortgage co. of this and the request for payoff was made on XXXX, XXXX. The second request was made on XXXX. still nothing. I have attempted again today and got a different answer than Fri.The mortgage co. just refuses to pay for the roof or supply us with the payoff so we can close. The people purchasing our house refuses to wait past Mon. the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear Sir, I have a carecredit issued by Synchrony Bank. 
In XX/XX/2020, there is a card security fee for {$66.00}, I contacted card security in XX/XX/2020 and cancel the services for XXXX and for future charges, because I did not enrolled for this. 

In XXXX I received my statement from Synchrony bank showing there a another fee for XXXX for card security again. I call card security on again and they told me they stop my services for XXXX and XXXX and they issued a credit. 

When when I received my XXXX statement Synchrony Bank I don't see any credit form card services and Synchrony Bank keep charging me a fee for. 
As of XX/XX/XXXX, Synchrony Bank owed my XXXX. 

I tried to reach out to Synchrony bank many time and couldn't reach them. 
Synchrony bank need to credit my account for XXXX and stop billing me for the card security. 

I need help from your agancy to get this done.

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 monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal has permanently limited my business account without reason and is holding my funds from a sale that I made of {$530.00}. Monday, XX/XX/2020 I made a sale on XXXX for an XXXX  XXXX   XXXX '' XXXX generation XXXX GB. Total sale price was {$700.00}. I refunded the buyer {$150.00} after the item was delivered because of issues with the warranty of the item. Customer was happy and positive feedback was left on both ends. Paypal placed my remaining funds on hold ( temporary limitation ) and asked me to submit proof of Identification, proof of original receipt of the item & proof that the order had been fulfilled ( tracking confirmation ). I submitted proof of everything yet Paypal still held my funds. I contacted them asking for the funds to be released since I submitted all required documentation and my customer is happy, yet they still kept the hold on the funds. XX/XX/XXXX, I contacted PayPal again because I was told to wait 3 days after the delivery confirmation and my funds would be released, yet they were still on hold. So I contacted them again via the message center but I was informed by the representative that my account had been permanently limited and she couldn't give me a reason. I had done nothing wrong. I didn't violate any terms of use nor did I violate PayPal 's Acceptable Use policy. I simply sold an item of high value. My customer was happy with his item, left positive feedback & was even happy that we agreed on a partial refund. Why is my {$530.00} still being held for 180 days and why was my account permanently limited? Account ID : XXXX Furthermore in PayPals last response they stated the reason for holding the funds was so there would be sufficient funds in the event of a chargeback or refund. I HAVE ALREADY WON TWO, not one but TWO OPENED CASES FROM THIS ONE BUYER. The last case I won was because the buyer claimed unauthorized transaction, but the transaction was indeed authorized so I beat that case as well. Because of this there is NO OTHER REASON FOR PAYPAL TO CONTINUE HOLDING MY FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is discriminating against us as XXXX XXXX Americans and U.S. Veterans who previously had our loan transferred to them from XXXX XXXX   during a Loan Forebearance period which completed in XX/XX/2019. During XX/XX/2019, we were advised to send our Loan Modification Application paperwork in and received countless delays in them processing our loan, whereby, the Veterans Administration Home Loan dept had to get involved. We are now experiencing discrimination and retailiation from XXXX XXXX XXXX XXXX who utilized biased and discriminatory practices on whom they choose to report late payments on during the course of the Applicants Loan Modification Process. XXXX chose to biasely report our payments late during the loan modification and 3-mth trial period because we are XXXX XXXX Americans and U.S. Veterans who opposed their illegal business practices utilized against us during our Forbearance period which was approved by XXXX XXXX  and was supposed to be honored by XXXX XXXX XXXX XXXX. We raised these concerns to CFPB and the Veterans Administration. Hence, their has been retaliatory treatment by XXXX XXXX XXXX XXXX who is currently negatively impacting our Credit scores across all 3 Bueraus by at least 50 points which is now negatively impacting us with obtaining a VA IRRL with various lenders. 

XXXX is utilizing double-jeopoady tactics as well for investors to receive more monies with VA IRRL Loans, since they knew a customer would be negatively impacting, although they were being approved for a Loan Modification due to extenuating medical and financial circumstances we experienced when our daughter was XXXX  for 35 days including XXXX  for a XXXX  XXXX-XXXX  condition. They did not care about the customer in this instance, as much as they care about keeping Shareholders and Investors appeased due to pure GREED & Retaliatory Tactics applied in choosing to report against XXXX XXXX Americans who experienced an extenuating family medical and financial emergency, as opposed to other XXXX Americans. This is discriminatory and they are still doing the same thing during this pandemic epic COVID-19 occurring today.

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 2020-04-01 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:
XXXX XXXX XXXX XXXX is discriminating against us as XXXX XXXX Americans and U.S. Veterans who previously had our loan transferred to them from XXXX XXXX   during a Loan Forebearance period which completed in XX/XX/2019. During XX/XX/2019, we were advised to send our Loan Modification Application paperwork in and received countless delays in them processing our loan, whereby, the Veterans Administration Home Loan dept had to get involved. We are now experiencing discrimination and retailiation from XXXX XXXX XXXX XXXX who utilized biased and discriminatory practices on whom they choose to report late payments on during the course of the Applicants Loan Modification Process. XXXX chose to biasely report our payments late during the loan modification and 3-mth trial period because we are XXXX XXXX Americans and U.S. Veterans who opposed their illegal business practices utilized against us during our Forbearance period which was approved by XXXX XXXX  and was supposed to be honored by XXXX XXXX XXXX XXXX. We raised these concerns to CFPB and the Veterans Administration. Hence, their has been retaliatory treatment by XXXX XXXX XXXX XXXX who is currently negatively impacting our Credit scores across all 3 Bueraus by at least 50 points which is now negatively impacting us with obtaining a VA IRRL with various lenders. 

XXXX is utilizing double-jeopoady tactics as well for investors to receive more monies with VA IRRL Loans, since they knew a customer would be negatively impacting, although they were being approved for a Loan Modification due to extenuating medical and financial circumstances we experienced when our daughter was XXXX  for 35 days including XXXX  for a XXXX XXXX condition. They did not care about the customer in this instance, as much as they care about keeping Shareholders and Investors appeased due to pure GREED & Retaliatory Tactics applied in choosing to report against XXXX XXXX Americans who experienced an extenuating family medical and financial emergency, as opposed to other XXXX  Americans. This is discriminatory and they are still doing the same thing during this pandemic epic COVID-19 occurring today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a conventional mortgage on my home, and I have never missed a payment. 
I got this mortgage with a mortgage company that unfortunately sold the mortgage account to the SunTrust Bank, merged today with BB & T and with the new name of Truist. 
I am foreseeing financial hardship in the future because of the Covid-19 crisis, and would like to get to an arrangement with Trusit in case I need help in the next 2 to 3 months with my mortgage payments.

Truist has zero customer service during this pandemic times. The only way to get help with mortgage issues is by calling the number XXXX-XXXX-XXXX, but the problem is that my domestic partner and me have been on hold for up to 3 hours in several occasions and we have never been able to reach a representative. 
We turned to the community and all other clients of Truist are experiencing the same problem, some holding for up to 5 hours in a call without ever getting an answer.

The few cases we know that got through after many hours, are extremely disappointed, since all Truist offers is a 90 days forbearance, in other words, people who chooses this option will not pay anything for 3 months, but will have to produce the mortgage payment of all 4 months on the fourth month or will face foreclosure. Is this even legal?

Since calls don't get answered, I went to a branch risking being on the street, emailed their ''customer support '' address and even wrote to them on social media ( XXXX and XXXX ). I have never received an answer. Please help investigate what is going on with Truist.

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 2020-04-01 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: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors.

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 2020-04-01 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:
I received a copy of my credit report and found the following item ( s ) to be errors.

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