vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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: TX

Complaint narrative:
Collections XXXX XXXX {$840.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$840.00} High Balance {$840.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1100.00} High Balance {$1100.00} Remarks Consumer disputes this account information XXXX XXXX {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks -- XXXX {$2000.00} XXXX XXXX  {$17000.00} XXXX XXXX XXXX {$3400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
The afore-screen did not have my option, so I chose what may be similar to my issue : " Problem Using debit or ATM card etc ... '' On XX/XX/2020 I received a text from Key bank stating my balance, I immediately called Key bank and stated " The amount is incorrect '' I searched for my wallet and noticed that is was not in my car. I informed the Key bank representative that " My wallet has been stolen out of my car and the charges are fraudulent '' Moving forward I told them to '' cancel my cards ''. Also I asked " Can I put a pass code on my account '' in which I did. On XX/XX/2020 I called Key bank to set up my cards into " XXXX '' I called XXXX, the representative asked for identifying information, name, last 4 social and birth month and year. The representative stated " Will you please hold while I access your account? '' I stated " How can you access my account and verify me and you have not asked me for my postcode, the person who stole my identity can give you the same information that I have given you, this is why I added an extra security to my account by adding a pass-code that they would not know? '' Then and only then did the Key bank representative ask me for my pass-code. I gave the Key bank representative my pass code, she then states " I must call the Key bank branch to verify your pass code '' I stated " I did not set my pass code up at a Key bank branch I called XXXX 's customer service department '' She states " Please hold I must contact the branch '' In which she kept putting me on hold, because a branch never responded. Moving forward she connected me to someone else. The individual stated " She is not sure why the Key bank representative did not ask me for my pass code, she is not sure if the system had prompted for my pass code, but upon her further looking into my account she noticed and stated I see first the red banner, it is the first thing that pops up alerting identity theft on your account '' The representative is not sure why she did not ask me for my pass code. I stated to representative, I am upset I have taken all safe guards necessary protect my account and this is unacceptable. The person that has my Driver 's license, social security card and birth certificate can call Key bank and give a Key bank representative my information and key bank will give the thief access to my account, this is unacceptable my identity has been stolen and my account has been compromised. My pass code should have been asked of me. I feel violated and feel that my account is not fully protected as it could be. If only the representatives across all departments ask me for my pass code will give me some relief and security.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/2020 there was a security deposit deducted from my account but I cancelled the contract, in writing, within a 72hr period in accordance with the Truth and Lending Act. However, I was unsuccessful in getting a refund from the merchant and therefore I called my bank because I was unable to dispute the matter online. After the correspondence with the bank on XX/XX/2020, I believed the funds would be returned since I was unsuccessful with the merchant and talking with them is the first requirement to dispute a transaction. I completed the proper paperwork with accurate and detailed descriptions of the correspondence and even faxed the proof over to the bank. However, I was also told by the bank that they would be taking back the credit on XX/XX/2020 and I do not believe that was fair or a thorough time frame to investigate the facts of the dispute. Whenever a bank needs to TAKE your funds there is no issue at all, however there is always a big hassle or extreme difficulty to get YOUR funds RETURNED. Since the dispute has been closed, I have not heard anything else from the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Can not link my checking account to XXXX to invest in stocks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I asked Santander Consumer USA XX/XX/2020 for a differment for 2 month due to the Corona Virus and they never sent me email I needed to fill out and denied me and reported me to credit bureau for not paying 2 month. I tried on 4 attempts then I read online i maybe part of a class action law suit filed by Attorny General office. A XXXX XXXX dollar preditorie lending suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management
State: FL

Complaint narrative:
I HAVE HAD THIS PROBLEM FOR MANY YEARS WITH THIS COMPANY, THIS IS FROM XX/XX/XXXX, LAST YEAR THEY REPORTED THIS DEBT AS AS LATE IN XXXX, IT IS FROM XXXX, JUST LAST MONTH THEY REPORTED THIS AS LATE ON MY CREDIT REPORT DROPPING MY SCORE 8 POINTS, THIS IS A MEDICAL DEBT I HAVE INFORMED THEY THAT I AM AN XXXX VETERAN, THAT IT IS TO BE BILLED TO MY VETERANS AFFAIRS OFFICE AS, THEY ARE RESPONSIBLE FOR PAYING ALL DEBTS FOR HOSPITLIZATION, ALSO I HAVE INFORMED THEM THAT I AM XXXX XXXX  XXXX XXXX VETERAN I RECIVE SOCIAL SECURITY AND VETERAN BENEFITS, I HAVE INFORMED THEM, AND THEY SAID IT WAS ON MY CREDIT I AM ATTACHING DOCUMENTION SHOWING THAT THIS DEBT IS FROM OLD, THAT THEY HAVE CONTIONOUSLY REPORTED LATE PAYMENTS, THAT IT HAS DROPPED MY CREDIT SCORE THAT THIS IS UNFAIR, YOU CAN SEE VIA MY UPLOADS, WHEN I MADE A COMPLAINT WITH THE CFBP, THE FIRST TIME IN XXXX OF XXXX THEY SAID THE DEBT WAS FROM XXXX, IMMEDIATLEY IN XXXX  THEY REPORTEDED IT LATE EVERY MONTH, TIL CURRENT DATE CHANGING THE DATE IT WILL DROP FROM MY CREDIT REPORT, FROM XXXX XXXX XXXX THIS IS UNFAIR, AND ILLEGAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: RI

Complaint narrative:
My wife and I refinanced our home in XXXX, our new mortgage was purchased/serviced by Rushmore Loan Management Services. we have our payment set up with an escrow account and such which the mortgage company pays direct to the town for taxes and to our insurance company. we have had nothing but problems with this company since they took over our loan. our first payment was ALMOST late because they kept telling us that our account setup was under review and thus we could only pay by check. thankfully we were able to pay on time. then the big problem just happened this past week. we get a letter in the mail from our town saying our taxes are delinquent. well we have been paying our mortgage on time and they have been collecting the escrow money. 

I called the company to find out what was going on and they said that " someone put a hold on your escrow '' and so I ask who and why and they said " we dont know who did it or why but thats why it hasn't been paid ''. to which I responded ok, well fix it. they said it has to go through a review process. in the meantime the delinquency is accruing penalties from the town. so I pointed that out to them. they said that they have to investigate if it was my fault and can not guarantee they will cover the penalties. I dont understand how that is possible. all I do is pay my bill like I am supposed to do. they made the mistake. and now they are telling me the investigation will take until XXXX to complete, in the meantime my taxes are not paid and they have the money in the escrow to pay them. at this point im at a loss, ive been a home owner since XXXX, never had a late payment never had an issue with our old company but Rushmore seems like they are a scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
Re- complaint # s XXXX XXXX The response by the bank fell short of the following ; 1. Why was the wire transfer processed to a different name other than the name intended for the transfer. 

The name of the account was XXXX XXXX XXXX services on the wire transfer, but the money was transferred to an account by name XXXX XXXX. 
The bank owes us an explanation to that effect. That was not addressed in their response as to why they processed the wire transfer to a different name other than the name intended for the transfer. 

Failure of the bank to explain that to us will result in us taking the matter further up against the bank because we feel the banks role was aiding and abetting a criminal act of fraud. To knowingly process funds to a name that does not match the name intended for the transfer is unacceptable and that is why we are holding the bank responsible. 

Without a valid explanation from the bank, we will have to sue the bank. This will include damages for the following. 
1. Total payment for the loan with interest. 
2. Second loan for the replacement vehicle we were forced to purchase in absence of the first. 
3. Attorneys fees 4. Compensation for our time and efforts.

This will be decided in the court of law and at that point Fifth-third Bank will not be able to excuse their action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Trying to link PNC to savings vehicle called XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
Hello, Re : XXXX Hello, In late XXXX, my wife and I reached out to Guaranteed Rate to refinance our current house, as rates were great and want to take an advantage of that. Initial conversation were ok, as I quickly collected all required documents to start this process, and within a few days we had everything ready. At that time I was advise that this should not take long. On XX/XX/XXXX we got an email from Guaranteed Rate that our loan was conditionally approved, and conditions were : subject to accept by Guaranteed Rate, and for them to obtain clear title report. With only two small items we were further advise that we will close the loan by XX/XX/XXXX, felt long time but I accepted that information. Around XX/XX/XXXX I have emailed Guaranteed Rate and followed up with a phone call asking for status. Again around XX/XX/XXXX I did the same, email and phone call, both time leaving messages to call me back, still no respond from Guaranteed Rate. Now almost every few days I do the same with no response .... 






People involved : XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: GA

Complaint narrative:
I pulled my credit and there is an account on my credit report that doesnt belong to me. Please investigate these accounts and remove them. Please send updated report after inquiries and accounts are deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: GA

Complaint narrative:
I pulled my credit and there is an account on my credit report that doesnt belong to me. Please investigate these accounts and remove them. Please send updated report after inquiries and accounts are deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 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:
I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and XXXX  are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not  communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. An FTC/Police report has been previously filed and is attached to this complaint. 

XXXX XXXX Account # XXXX Amount {$21000.00} Department of Education Account # XXXX Amount {$81000.00} XXXX XXXX XXXX  Account # XXXX Amount {$0.00} Inquiries : XXXX XXXX DC XXXX XXXX XXXX XXXX Department Of Education/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: PA

Complaint narrative:
I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and XXXX  are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX   nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. An FTC/Police report has been previously filed and is attached to this complaint. 

XXXX XXXX Account # XXXX Amount {$21000.00} Department of Education Account # XXXX Amount {$81000.00} XXXX XXXX XXXX Account # XXXX Amount {$0.00} Inquiries : XXXX XXXX DC XXXX XXXX XXXX XXXX Department Of Education/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 2020-06-18 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: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: NC

Complaint narrative:
AFNI collections put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that AFNI verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If AFNI is unable to provide the above identifying account information, this account must be deleted from all CRAs. AFNI also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. Their address is XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation