vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am looking/hoping to get a grant for disaster relief. It is for XXXX XXXX. My XXXX name at PNC bank is XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. It is with XXXX XXXX Grant program of Pennsylvania. The company it is going through is XXXX XXXX XXXX. I need to link up PNC in order to get the funding but am unable to. Is there anything I can do asap to help with this? I have a XXXX XXXX  and was out of business for three months. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Hello : I have applied for a Citi XXXX XXXX card online, after being lured in with an offer to receive 50,000-miles bonus, in XX/XX/2019. I was approved, however the miles bonus couldn't take place since I already had a rewards card with Citi in the past and 24 months have not passed since that card was closed. As a result, I have declined the card. 

I have never received a card in the mail nor did I activate it or use it. 

Today, XX/XX/XXXX, I have received a statement listing a fee of {$99.00}. I have attempted to contact Citi by phone or online right away, to no avail. I proceeded with closing the card using their automated service since I couldn't speak with a live body. The online chat service was unavailable. I couldn't even login to the account since I don't know the card number. Again, I never got the card, activated or used it. 

I have XXXX credit score and will be devastated if this company will ruin it with unethical practices. 
Please take action. 

Thank you. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this to all consumer and credit bureaus to add a personal statement ( with the exception of XXXX ) as was able to add to my statement through their portal.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX   XXXX {$530.00}

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX   XXXX {$530.00}

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 2020-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have a loan on the amount of {$17000.00} I have been making payments for {$480.00} per month for 19 months now and I still have an outstanding balance of {$16000.00}, my money has been going to only interest, if I keep on making this payments I will never pay off my car, advertising was very misleading and the sales process itself was not legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CHASE APPROVED ME VERBALLY ON THE PHONE FOR A NEW AMAZON REWARDS CREDIT CARD DAYS LATER AFTER SUBMITTING THE APPLICATION ONLINE. THEY THAN TURNED AROUND AND SHUT DOWN MY NEW CARD AFTER PLACING A HARD INQUIRY ON XX/XX/XXXX FOR A FRAUDULENT CARD OPENED IN MY NAME FROM MACYS. WHY DIDNT THEY REVIEW THAT INFORMATION BEFORE THEY APPROVED ME? THE SUPERVISOR FROM CHASE WAS VERY NASTY AND RUDE TOLD ME, " SORRY YOU DONT LIKE OUR PROCESS ''. I EXPLAINED TO XXXX   THAT I MADE A COMPLAINT WITH YOU GUYS RECENTLY FOR THE XXXX. SHE GOT NASTY AND SAID THAT YOU GUYS SHOULD OF REMOVED IT ALREADY. I TOLD HER THAT I CAN SEND HER DOCUMENTS OF THE XXXX   FRAUD COMPLAINT. SHE DID NOT WANT TO ASSIST. EVEN WHEN I ASKED THE SUPERVISOR ( XXXX ) AT CHASE TO REMOVE THE INQUIRY FOR THEM SHUTTING DOWN MY ACCOUNT DAYS AFTER APPROVING ME UNTIL THE XXXX  IS REMOVED. THIS IS NOT MY FAULT AND CHASE SHOULD PRACTICE BETTER PROCEDURES AFTER APPROVING PEOPLE FOR CREDIT CARDS AND MESSING WITH THEIR CREDIT. THE XXXX INCIDENT IS A CURRENT ONGOING ISSUE THAT HAS BEEN REPORTED TO CFPB, XXXX FRAUDULENT TEAM, AND THE CREDIT BUREAUS. I WANT THESE CHASE INQUIRIES TO BE REMOVED IMMEDIATELY FOR CHASES INPROPER AND UNFAIR TREATMENT OF SHUTTING DOWN MY ACCOUNT AFTER I WAS APPROVED. IT IS NOT MY FAULT THAT THERE IS A FRAUDELNT XXXX ACCOUNT THAT IS CURRENTLY IN THE WORKS OF BEING REMOVED. CHASE SHOULD OF REVIEWED THAT BEFORE APPROVINT ME AND ISSUING ME A CARD. DON'T PLAY WITH MY CREDIT CHASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Consumer Financial misappropriated the final payment on my account wherein they applied the last payment of {$280.00} to " misc funds '' thus falsely claiming I owe the principal and interest balance on the account. Misc funds is defined by the lender as repossession fees not late fees as the agent attempted to explain. They failed to apply my credit of {$2.00} to the account balance of {$280.00} which would have been absolved by the payment of {$280.00}. Additionally, they threaten to report the account to the credit bureaus if I neglected by render the entire late fee balance on XX/XX/2020. I requested documentation of language confirming that this was mutually agreed upon by both parties ; however, the executive office representative stated no language was recorded in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
They have repeatedly called me trying to get me to pay even though I have explained to them on 3 occasion in the last 24 hours that I am unemployed due to the pandemic and that I am waiting on my unemployment to pay, yet they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
We applied to Lakeview for a 90-day forbearance back in XXXX, when COVID hit, and were approved. I've tried for the last 60 days to extend the forbearance, as they suggested through numerous emails to me and letters in the mail. I've called them three times and get confirmation numbers about my application each time ( here are two : # XXXX and # XXXX ). I've emailed them from their website numerous times. Can't reach an actual human on their phone tree. I have left a voicemail one time. 

My forbearance runs out XX/XX/. 

Need help reaching this large mortgage company. My loan number through Lakeview is 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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this to all consumer and credit bureaus to add a personal statement ( with the exception of XXXX ) as was able to add to my statement through their portal.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am submitting this to all consumer and credit bureaus to add a personal statement ( with the exception of XXXX ) as was able to add to my statement through their portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC
State: CA

Complaint narrative:
I phoned ATG Credit LLC, and advised them that I had just returned to work due to Covid-19, and to not pull my XXXX payment. But to restart my payments on XX/XX/XXXXsince I had returned to work. A supervisor told the representative that it would be okay to stop the ACH pull for XXXX. They waited 8 days and pulled the funds anyway. Causing a medical hardship because the money they took was for my medical premium which must be paid because I have a XXXX XXXX XXXX 

I requested they not pull any more funds from my checking account and they have yet to refund the monies pulled in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: NY

Complaint narrative:
I received a voicemail from a woman calling from XXXX. My phone registered this call as " Potential Scam. '' The voicemail implied that I had an outstanding debt with " XXXX XXXX XXXX, '' which had gone to collections. I was told I owe over {$1200.00} and that I had to call back the caller ( whose name was garbled and I could not make out ) at a different number than the one she was calling from. The number the caller provided to call back was : XXXX. She also provided an " account number '' that I was to provide upon calling back : XXXX. This woman also said she worked atJoseph, Mann & Creed, a debt collection firm. The woman used my first name, but not my last name. 

I have no idea what this debt could possibly be connected to and I believe it to be completely bogus. I have never had an insurance policy with " XXXX XXXX XXXX. '' I am careful to pay off all of my debts in a timely manner, and my credit report, which I downloaded today ( XX/XX/2020 ), indicates that any debts I have are associated with credit cards that will be paid off in the next billing period ( as I pay down my balance each billing period ). It is also worth noting that I have received no mail about this alleged debt and this cryptic voicemail is the first I've heard of any outstanding balance -- or even of the company I allegedly owe said balance to. 

Moreover, a search for Joseph , Mann & Creed reveals that numerous other people have been contacted by this company with the same claims. Individuals who complained of the same issue also indicated that they had never heard of 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 non-monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lockhart, Morris & Montgomery Inc.
State: VA

Complaint narrative:
Accounts -3 Total amount - XXXX Dates of original service by original service provider - XX/XX/14, XX/XX/14, XX/XX/14 I wanted to make a settlement. We couldnt agree to terms, I was threatened to get sued along with damaging my credit further. Comments where made I wish those payments could go directly into my bank account. 

I didnt know that a debt collector could bring back a payment on your credit report that is more that XXXX XXXX XXXX. 

I never received documentation from debt collector off the accounts owed. I found them on my credit report. After the first call is when I began to receive calls from them but still no information about debt was ever sent by company. I only can view it on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX accessed my credit file with Transunion without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties  above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX  v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported  immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

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 2020-06-30 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: ME

Complaint narrative:
I was advised to dispute to help bring up my credit score. Trying to get a loan but the loan company/ lenders state that they can not give me a loan with the disputes on my credit. Please remove all disputes on all 3 credit reporting bureaus.

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 2020-06-30 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: TN

Complaint narrative:
I contacted Lexis Nexis and filed a dispute because they are reporting a bankruptcy disposition date of XX/XX/XXXX to XXXX. However, the disposition date is XX/XX/XXXX. They are also reporting a date reported of XX/XX/XXXX to XXXX. This is also inaccurate. I did everything right and waited two years post bankruptcy to buy a home using my VA eligibility. However, the whole process has been halted for months because when the mortgage company runs my XXXX  credit report, they see a bankruptcy disposition and report date of this year ( XXXX ), not the correct date. Because of this, they say I must wait two years from XX/XX/XXXX date reported. This is not right. XXXX closes all disputes and tells me to clear it up with Lexis Nexis. I have repeatedly file a dispute to correct the date via email nd mail to Lexis Nexis. I  even supplied Lexis Nexis with my federal court discharge paperwork showing disposition of XX/XX/XXXX. The lady at Lexis Nexis said the reported date of XX/XX/XXXX on the credit shouldnt matter, but it does matter to VA underwriting. In addition the date is not correct and should reflect correct date regardless. I contacted the bankruptcy court and they also stated they do not verify any information for Lexis Nexis or  anyone else. They also informed me that nothing else is in our file past XX/XX/XXXX. They said the XX/XX/XXXX was the result of an error or fraud. This needs to be resolved so I am privileged with my rights as a consumer to buy a mortgage and use my VA eligibility. Until the disposition and reported date is correct, I can't move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX  accessed my credit file with Transunion without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by XXXX XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got,  and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX  did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

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 2020-06-30 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: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1400.00}

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 2020-06-30 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: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX  XXXX {$1400.00}

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