vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: Lending Club Corp
State: OH

Complaint narrative:
In XXXX of 2021, I obtained via the website for LendingClub, a payoff amount for an installment loan. The payoff amount quoted was {$15000.00} and was paid in full, on XX/XX/2021. 

In XXXX of 2021, I received an email stating I was 74 days past due for an amount of {$1300.00}. I immediately called and spoke with multiple representatives, who initially refused to provide me with account information, as there was allegedly a POA in place. However, that POA had been removed less than 30 days after it had been initiated, in XXXX of the year prior. 

After several weeks, the investigation concluded that I did not have the appropriate information available to me, to know there was a remaining balance, when I'd been provided a payoff amount, via the LendingClub website and that I should have been notified BEFORE I was 74 days past due. The result of their investigation was to report a 30 days past due and a paid in full status.

This resolution is unacceptable for multiple reasons.

1. I was never late. I paid the entire account balance in XXXX. 
2. It took more than 4 months to notify me that there was a balance, and I received it ONLY after derogatory information was erroneously reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: LA

Complaint narrative:
I've gotten in touch with all 3 credit agencies to report all the collections and inquiries on my report to have them removed because there's no signature or validity to any of these there's XXXX XXXX THAT'S REPORTING I HAVE 4 OPEN ACCOUNTS AND XXXX XXXX REPORTING I HAVE 2 WITH THEM IN WHICH NONE IS TRUE I NEED ALL ACCOUNTS AND IINQUIRES REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: LA

Complaint narrative:
I've gotten in touch with all 3 credit agencies to report all the collections and inquiries on my report to have them removed because there's no signature or validity to any of these there's XXXX XXXX THAT'S REPORTING I HAVE 4 OPEN ACCOUNTS AND XXXX XXXX  REPORTING I HAVE 2 WITH THEM IN WHICH NONE IS TRUE I NEED ALL ACCOUNTS AND IINQUIRES REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
Before going to an attorney to help us get a loan modification we started with our mortgage company over 2 years ago. Did everything they asked us to do. The woman we deal with there is XXXX XXXX. She has never been any thing other than rude. My father, at one point stepped in to try and help us. He was a builder of over 40 years and ran a successful business. XXXX gave him a hard time as well. Now our attorney is telling us they have NEVER dealt with someone so rude and difficult. This woman has made us fill out the whole loan modification process now over XXXX! I had to redo everything my attorney submitted because they whited out a date ( which they often do if resubmiting the entire SAME package! ) to resubmit it at XXXX XXXX request. She had all our paperwork in front of her but is knit picking apart everything we say and do and keeps making us redo and redo the whole application process! I feel BULLIED by this woman. She now has had access to our PERSONAL finances including our banking statements for more than 18 months. It is like She keeps wanting to see our Financials so She keeps denying our application for one reason or another.. There is always something WRONG She says that we missed. I had to turn around after JUST submitting the EXACT same application and resubmit/redo it all at Elis demand . Even though she had all the paperwork in front of her. I am working with an ATTORNEY who does this EVERYDAY for a living with mortgage companies. And I am being told by them, they have never dealt with a more rude and bullying person. I just want to save my home. We have also given PHFA over {$20000.00} in the 2 last years taken out of my husband retirement. We want to save our home and just need lower payments! And this woman is determined to bully us until we lose our home. I will gladly share my attorney info if need to hear from them about this company and woman, XXXX XXXX. They have not even allowed us access to our mortgage account to make any type of payment either!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am a business owner who recently received a personal check from one of my customers. On Tuesday XX/XX/XXXX I called one of the US Bank branches to inquire about cashing a personal check that was written out to me. I rarely take personal checks as form of payment, so I wanted to make sure that the funds were available. I was told by one of the US Bank representatives over the phone that all I needed to cash the check was a government issued I.D . and it would be a {$7.00} service charge. So on Wednesday XX/XX/XXXX I visited the US Bank, XXXX XXXX XXXX XXXX XXXX XXXX. I was being assisted by XXXX XXXX, whom immediately had poor attitude towards me. I only came in the branch to utilize the check cashing service since the check that was given to me was from this bank. The teller was unprofessional and lacked customer service skills. She was adamant on taking my social security number to cash the check. I pleaded with her as to why she needed my social security number and all she could tell me was that this was needed to proceed with the transaction. She was very short with me and could not give me any logical explanation as to why I needed to provide her with my social security number. Please I am very cautious with providing certain information to any business or persons, can someone please look into this very serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank and I was not aware of the other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I contacted two of the credit reporting agencies about 90 days ago, Equifax and XXXX, regarding a collection on my report of {$4400.00}. I requested that they provide me verifiable proof of this and the supporting documents, and that I wanted to dispute this. Only Equifax responded with a statement that they verified this. However, this does not comply with the FCRA, particularly sections 609 and 612. I then wrote both bureaus that inasmuch as they had failed to comply with the law, this item should be deleted from my file. I have given this more time than the law provided. This misinformation has caused me a great deal of credit problems. 
Thank you. 
Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/1981 SS # : XXXX Hello, Back on XX/XX/XXXX I requested validation of : XXXX XXXX Account Number : XXXX I never received any type of validation and I noticed that it is still reporting incorrect payment history as shown in the attachment. I never missed any payments. And even if I had, how can the history go from XXXX  to XXXX and right back to XXXX???? This has upset me and hurt me mentally, physically and emotionally and I am requesting that this account be deleted, that we look into arbitration and that I be awarded remedy in the amount of XXXX dollars paid out to me by check and mailed to the address listed above. This is XXXX from the credit reporting agencies as well as from XXXX XXXX. My affidavit of truth is being written right now please look forward to it. Please cease all contact aside from communication through the CFPB portal. Any documents that you may want to provide should strictly be uploaded here.

Thank you.

CC XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. On XXXX XXXX the agency sent a letter stating they had completed their investigation and the items were not deleted, as requested. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. I feel like I'm being taken advantage of of and being ignored by my disputes. I demand these accounts be deleted immediately or I will file for ligation due to the stress they have case me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - date of reports:XX/XX/XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
A large payment ( {$10000.00} ) was made to Pentagon Federal Credit Union that they acknowledge receipt of on XX/XX/2021. As of today, XX/XX/2021, they have not credited to the payment to the 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
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX, I logged in to the site to pay my mortgage only to see a new {$7.00} service fee for online payments ( and apparently automated phone payments as well ). This had not been previously communicated. After some research on the site, it appeared to be tied to having not signed up for " paperless statements ''. This is something that was never encouraged, communicated, or made easy to figure out how to enable. 

However, once selected, it warns that it may take up to 3 days to take effect. There is no warning the service fee won't disappear. A call placed to the company offered only 2 real options - 1 ) pay a service fee to make and automated phone payment, or 2 ) talk to someone about refinancing my mortgage. After several loops through the phone tree, I disconnected without resolution. 

After logging in several more times on XX/XX/XXXX and XX/XX/XXXX still seeing the service fee, I eventually paid the mortgage and the service fee to avoid a more costly late payment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  - date of XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I contacted two of the credit reporting agencies about 90 days ago, XXXX and Transunion, regarding a collection on my report of {$4400.00}. I requested that they provide me verifiable proof of this and the supporting documents, and that I wanted to dispute this. Only XXXX responded with a statement that they verified this. However, this does not comply with the FCRA, particularly sections XXXX and XXXX. I then wrote both bureaus that inasmuch as they had failed to comply with the law, this item should be deleted from my file. I have given this more time than the law provided. This misinformation has caused me a great deal of credit problems. 
Thank you. 
Respectfully submitted, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2021 the posted balance on my account was {$200.00}. On XXXX 's mobile app the next transaction is shows as occurring on XX/XX/2021 which is an ACH automated debit. However several transactions occurred prior to the ACH transaction which were Credit Sales and did not immediately reflect in the actual balance, " but they should have since they were not POS transactions ''. It appears that XXXX deliberately charged an overdraft fee when their system did not reflect a true balance following credit charges which must be approved at the time of sale and reflect as deducted. For example " all of the transactions in question are listed as occurring on XX/XX/2021 when the funds were charged " on different dates and times '' and set aside as Credit Transactions, these Credit charges should have debited from the account at the time of purchase, " Credit is Credit and POS requires a Pin Number and may have pending holds. My point is XXXX did not reflect an actual true balance following Credit Charges based on funds available " it is approved or declined, when you do not have enough money on a credit card transactions are declined ''. By manipulating the posting date of the credit XXXX transactions to XX/XX/2021, they are able to charge a {$38.00} for the ACH transaction and profit using this manipulation. If the online mobile application had reflected the actual true balance I could have simply used my other bank " which never does this to me '', or deposited funds to avoid the manipulated applied {$38.00} fee. To be fair, " I am a customer who will seek legal recourse and/or relief for such manipulation from banks. Banks will always claim to be in the right, but holding Credit transactions as if they are POS Debits is unfair to consumers. XXXX posted 10 transactions on XX/XX/2021 and decided to place the ACH Payment BEFORE the other transactions to benefit from a {$38.00} fee. Here are the transactions and dates " ALL CREDIT '' none were POS Debit. 

XXXX XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 By placing the ACH transaction first they are able to manipulate the available balance. Had the actual balance been correctly reflected after each CREDIT transaction I would have known to deposit additional funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/1981 SS # : XXXX Hello, Back on XX/XX/XXXX I requested validation of : XXXX XXXX XXXX Account Number : XXXX I never received validation and it is still reporting incorrect payment history as shown in the attachment. I never missed any payments. This has upset me and hurt me mentally, physically and emotionally and I am requesting that this account be deleted, that we look into arbitration and that I be awarded remedy in the amount of XXXX dollars paid out to me by check and mailed to the address listed above. This is XXXX from the credit reporting agencies as well as from XXXX XXXX XXXX. My affidavit of truth is being written right now please look forward to it. Please cease all contact aside from communication through the CFPB portal. Any documents that you may want to provide should strictly be uploaded here. Please adhere to my terms explicitly!!! 



Thank you. 
CC XXXX XXXX, Esq

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Commercial Acceptance Company
State: FL

Complaint narrative:
Im getting calls regarding my brother debt and contacting my family in regards to his debt I have told them to bot contact me in regards to my debt. They are breaking the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX continues with their fraudulent activities regarding payments made to my account. The statement due date for XX/XX/2021 and XX/XX/2021 show a monthly payment not processed and past due. The information is incorrect and there are no monthly mortgage payments past due. Please correct these errors and update the online monthly statements. Please stop siphoning my payments for fraudulent use. 

The escrow balance is incorrect. The amount of {$1300.00} is not the correct amount that should be in escrow. Please do an escrow analysis from XX/XX/2021 to XX/XX/2021. Please stop siphoning my escrow payments for fraudulent use. Again, I am requesting that any unapplied payments should go to escrow. Please stop reporting inaccurate information on the account and correct it. 

If the payments and escrow have not been applied appropriately, that means the Outstanding Principal of {$64000.00} is incorrect. Please correct. 

Again, stop siphoning money from my account for your fraudulent use and keep my payments current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
coin base has received direct money wires from XXXX XXXX and refusing to release the fund in a timely manner

Company response to consumer: Closed with explanation