vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I got a credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct this error and only received 1 notification back after that no other response was made to me.

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 2020-10-23 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: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate items on my credit report after their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate items on my credit report after their investigation

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 2020-10-23 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: CA

Complaint narrative:
I mailed the annual credit report request form to the address provided. The form clearly had my Name, address ( the same mailing address since 2015 ), social security number, and date of birth written on the form. XXXX, equifax, and XXXX  refuse to send my free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I mailed the annual credit report request form to the address provided. The form clearly had my Name, address ( the same mailing address since 2015 ), social security number, and date of birth written on the form. XXXX, XXXX, and experian refuse to send my free 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 2020-10-23 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: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate items on my 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 2020-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA

Complaint narrative:
On XX/XX/19, I closed on my property in XXXX, XXXX XXXX. The lender for my VA loan is Cardinal Financial. My mortgage payment with escrows was XXXX. A month after settlement, I received notification that my payment was changing because I was being charged {$2400.00} for Hazard Ins. I had insurance in place at settlement and money was being escrowed for taxes and insurance. I am a first time homeowner and didn't understand what was going on. My sister takes care of making my payments as I travel and it is easier for her to do it for me. We kept making the mortgage payments -all on time- but XXXX was taking the money from the mortgage payment to make the difference with the escrow for the insurance I did not need. I kept getting phone calls in the evening asking for $ XXXX for late fees and my XXXX payment which was made and marked received on XXXX. I am tapped out and all this because they gave me a {$2400.00} policy I didn't need. I am a XXXX  Vet. with XXXX yrs of service and my retirement is {$1700.00} and change a month. I called XXXX today and held the phone for over 20 mins. How do I get this Hazard Ins.  removed from my escrow? And, all this was done after all paperwork was done and signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
I signed up for a monthly subscription with XXXX for roughly {$15.00} I immediately noticed the service did not work. And contacted customer service to make a resolution. Once I realized its the site error I requested a refund at what point I noticed I was overcharged. They charged me {$120.00} I did not receive a receipt at sign up or cancellation receipt. I am only able to screen shot the actual website showing I have deactivated the service and still have my card details on this site despite me asking them to remove them. This company is fraudulent as they are not providing the service they advertise. They are refusing to refund me the Yearly subscription they charged me for or adjust it to the monthly subscription I opted for.

I attempted to contact cashapp who has lead me down a long road asking for receipts when they have the information clearly listed on their transaction history. I am not able to provide anything more than the screenshot that is available to me. CashApp a subsidiary of Square Inc. Is not able to help me with this transaction. I am not even able to contact anyone by phone only email which is taking days to resolve. And at this point I am at a dead end as I do not have a receipt because this transaction was fraud therefore I am being told I can not be helped.

CashApp Customer service is not making any attempt to resolve this issue where my account has been overcharged. Only asking me for information they already have in their system. I just want this charge reversed I have attached a copy of the transcripts with XXXX, CashApp, and the Card they still have on file that I want deleted as I am afraid of more unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
check attachment. NCB is in violation of 15 usc 1692e. ( 11 ) and 15 usc 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CITIBANK, N.A.
State: MA

Complaint narrative:
When I checked this account, I saw immediately that the payment history is inaccurate. XXXX  reports all OK payments yet XXXX  reports all CO. I want this account to be investigated and removed due to inaccuracies. Please help me get them out of my reports.

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 2020-10-23 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I do not know why this account is reported here. There are too much missing information that makes this account point to nobody. I want this removed from my report asap. This is an easy task because when you look at my report you can see how this account is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC
State: NV

Complaint narrative:
I applied for mortgage in XX/XX/2020 with equity prime mortgage and have been told varying closing dates. Each time we are set to close the lender stalls and asks for more information that they could have requested a month ago. Initially, no one in the process was notifying the real estate agent of what was happening so she had to file an extension on the contract and explain to the seller what is going on. The seller has other contingencies based on the sale of the property I am trying to buy. The lack of communication between the lender and the processor and loan officer has been atrocious. The loan processor keeps telling me we are closing and then the lender goes MIA ( missing in action ). They won't respond to anyone.

Something isn't right with this company. They need to be investigated to see if they are going out of business or a fraudulent company or something. Something is shady. Why would they stall for so long and go MIA?

I am going to lose the inspection and appraisal money on this property because the seller won't wait another few months for the lender to stall. I obviously will lose the property as well. This is unacceptable. I have provided everything they have asked for promptly, usually the same day. There is no need for them to not communicate for weeks on end when the loan officer, processor and I send multiple emails on a daily basis in an attempt to keep the lines of communication open. No one from equity prime mortgage has bothered to call, email, text or snail mail me any type of communication. I am just sitting in limbo. This level of unprofessionalism will not be tolerated.

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 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The preconstruction and/or construction contract details the amount and costs of the mortgage that is to be financed. Placing the responsibility on XXXX  XXXX ultimately causes concern and question regarding why Wells Fargo financed a mortgage for {$12000.00} greater than the amount of the builder 's contract with no evidence that why when this mortgage was closed with Wells Fargo, the check being issued at closing was only {$1200.00} as opposed to {$12000.00} ; citing initial discriminatory misconduct by Wells Fargo and an alleged foreclosure after the structure was paid without documents of an auctioneer name or contract, title search, etc. to seek documents from causes further concern for reporting discriminatory misconduct by Wells Fargo Bank, N. A. ( WFHM ). All correspondence from Wells Fargo Bank, N.A. ( WFHM ) shall only address the name of  the owner of the property, XXXX XXXX XXXX because legal recourse in Federal shows action was taken against all other parties.

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 2020-10-23 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: IL

Complaint narrative:
I dont have problems with my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
In XXXX when i bought the XXXX, i took out a 72 month loan. I talked with XXXX at the dealership, he was the Financial manager. He told me that if i paid extra on my principle it would make my payment go down. I did this every month, never having to pay the full payment until this month. The loan due date isnt until XX/XX/XXXX the amount left on the note is XXXX. This would be XXXX a month. That was my plan when i bought the car, have a small loan payment at the end of my note and XXXX, ( Nissan Financial Agent ) agreed it would work this way. Now Nissan Financial is saying that i have to pay XXXX and my agreed to terms will end a year early. This isnt what i was told or the contract that i signed. If i had wanted a 60 month contract i would have signed a 60 month contract and i would have never had my witnessed conversation with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Netspend Corporation
State: KS

Complaint narrative:
I recieved a Prepaid Debit MasterCard in the mail from All-Access Netspend Bank. They included an account number and routing number along with a deposit agreement and Overdraft protection information.

I did not request this card and don't know who they are.

I called the number on the back and the only options I was given was to activate the card by text message or enter my SSN so they could activate it that way. There was no way to talk to a representative. 

I called their sponsoring bank, XXXX, who automatically transfered me to NetSpend which gave me the same options as before. 

I had to call their rewards program to get ahold of a customer service agent who had to transfer me to XXXX who had to transfer me to NetSpend to have them tell me that it was a promotion and that they opened a bank account in my name and sent me a debit card as a promotion.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After calling Experian consumer dispute department 2 times I was told that I could not dispute an incorrect address that was on my credit report because it was being reported by a Creditor. I was under the impression I am legally able to dispute any information that I feel is incorrect or in accurate that is being reported. I know that I did not report the address in  question which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The Experian representatives made it clear to me that is was my duty to contact the original creditor ( which I explain to them that I did ). To have that removed. I explained that I did not understand that when SECTION 611 of the FCRA makes it clear my rights to have an investigation perform  buy the CRA 's and I was told by representatives XXXX Team XXXX XXXX XXXX- XXXX  XXXX  that they will not even so much as submit my request to dispute! I felt that was incorrect and completely against the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i have sent multiple disputes to the credit reporting agencies regarding accounts on my credit report that are incorrect. ive been sending letters since XXXX to the bureaus and have only received a response once from XXXX  in XXXX. we are now at the end of XXXX and i have not received any letters in the mail letting me know the status of the disputes and the accounts are still reporting on my 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 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have credit card for my company in which I am the authorized signatory. I also have a joint checking account with my wife who is not a partner, shareholder, signatory or any role in the company or its accounts. 
On XX/XX/XXXX nd without giving any notice the bank took XXXX $ from the joint personal account to pay the past due balance on the credit card. They told me its right of offset and they can do so per page 53 of the agreement without any warning or notice. Cursory research shows there are federal limits on these rights especially for CC debt and the person in the joint account has no relationship to the company CC.

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 2020-10-23 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.

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 2020-10-23 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: Nelnet, Inc.
State: CA

Complaint narrative:
I owed a amount to Nelnet and the debt was forgiven due to a total and XXXX XXXX program. I have contacted them before and they stated they would remove the debt from the credit reports and I have a letter saying such but I have not seen a change in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: FL

Complaint narrative:
I got a credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct this error and only received 1 notification  back after that no other response was made to me.

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 2020-10-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I got a credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct this error and only received 1 notification  back after that no other response was made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I bought a sectional from ashley furniture. I paid XXXX cash down. When I got the bill my last name was not accurate. They had input XXXX ( the city in which I live ) not XXXX  my actuallast name. When I called  about it I learned the ssn on the account was wrong as well. The company is saying that they will change my ssn over the phone, taking my word for it. But the name change needs to be submitted via letter. I find it very odd that they will change the social which is the most important piece of information here based off of my word however my name change requires proof. I told them over the phone that if they are going to make me jump through hoops to change my name that they need to compensate me for my time since it was not my error. Isn't this considered credit Fraud?

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 2020-10-23 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:
Dear Experian/XXXX/ XXXX tion listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment 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