vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I called experian to fix some miss information on my credit report missing and wrong information I attached the proof insted of fix problemthey removed my XXXX XXXX  XXXX XXXX from the credit report for fraud I filed a XXXX  xomplant they ignored the CFPB I had copy of all three credit reports experian said they would fix problem they never did comiting credit reporting fraud they removed my Morgage accoumt from all three credit reporting the said they never herd back from XXXX XXXX  XXXX XXXX on a dispute we bad news I never filed a dispute I have a copy of the recording with conversaion with Experian mesaying this is not a dispute this is adding information for payment history formotgage I gave then copy of XXXX XXXX  payment hisfory Experian filed dispute without my permision I have proof and a copy of my Bank contract infor showing Experian refused to take XXXX XXXX  payment reports XXXX XXXX  keeps getting a ellectronic responce saying XXXX XXXX  is a fraud account so cant be prosess for report Experian cerent credit report shows nothing of XXXX XXXX  all this information was sent in to the prosecuting attorny for prosecution for posable demestic terorisem on my credit report throu Experian I am and will file charges no mater the out come

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On Thursday XX/XX/2020 I made a domestic transfer to PayPal. 
PayPal promises a transfer based on your banks process between 3-5 business Days. 
My bank posted the transfer transaction on XX/XX/2020. PayPal however held those funds for extra periods of time instead of releasing the transfer to me, intentionally. It is now XX/XX/2020 and the funds have not been released.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.

Complaint narrative:
Im trying to link my account whit XXXX XXXX XXXX but I cant get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a XXXX XXXX credit card. That credit card got stolen and a balance was run-up. I called and reported it along with a police report. 
XXXX XXXX did not do anything about it. They denied me and insisted the claim was false. The claim is not false, someone did, in fact, steal my card. 
XXXX XXXX did not honor its zero fraud policy. 
Now they plan on sending the balance on that card to collections. 
I will have a bad credit score because this company failed to honor its fraud policies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Costco Anywhere credit card. That credit card got stolen and a balance was run-up. I called and reported it along with a police report.

Costco Anywhere did not do anything about it. They denied me and insisted the claim was false. The claim is not false, someone did, in fact, steal my card.

Costco Anywhere did not honor its zero fraud policy. 
Now they plan on sending the balance on that card to collections. 
I will have a bad credit score because this company failed to honor its fraud policies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Ive been submitting XXXX XXXX applications to Navient explaining to them that there has been a law that was passed already which states that ALL XXXX XXXX student loans must be forgiven/discharged. i did not graduate from the XXXX XXXX and XXXX program i signed up for so i did not benefit from the school at all. Navient should not be charging me payments for attending a school who gave students false certification and tormented students with predatory loans. i am not capable of paying these loans as i need to go back to school and graduate with an actual degree. 

ive been getting the same response from Navient for many years now and nothing is being done to correctly resolve this financial crisis. can anyone please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: LA

Complaint narrative:
After four months of trying to get the credit bureaus to correct the errors in my report, I still have unverified accounts on my report. I have asked them in writing for proof of verification for going on five months now I have supporting documentation. On one particular account the alleged creditor was deleted because of the erroneous account but the collection account for the same false and since then deleted account has been never been removed ( that took four months to complete ) I have asked all three bureaus to send me documentation of these accounts they are claiming are mine I have had a lock put on my credit reports for having fraudulent activity I am simply trying to correct the damage do to my account and am receiving an extremely hard time trying to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: ERC
State: NY

Complaint narrative:
I have filed a dispute in regards to a incorrect item on my credit report. It has been well over 30 days and I haven`t received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TN

Complaint narrative:
THIS ACCOUNT WAS OPEN WITHOUT MY CONSENT I HAVE ASK XXXX XXXX XXXX TO SHOW ME THE CONTRACT TO SHOW I NEVER SIGN FOR THIS ACCOUNT BUT THEY DO NOT HAVE IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: LA

Complaint narrative:
After four months of trying to get the credit bureaus to correct the errors in my report, I still have unverified accounts on my report. I have asked them in writing for proof of verification for going on five months now I have supporting documentation. On one particular account the alleged creditor was deleted because of the erroneous account but the collection account for the same false and since then deleted account has been never been removed ( that took four months to complete ) I have asked all three bureaus to send me documentation of these accounts they are claiming are mine I have had a lock put on my credit reports for having fraudulent activity I am simply trying to correct the damage do to my account and am receiving an extremely hard time trying to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage servicer has been misapplying my payments since XX/XX/XXXX. They have been applying the wrong amounts to both principal and interest. In addition, they have not been applying my payments towards arrearage to principal or interest. Furthermore, they did not completely Reinstate my loan, after XXXX entered an agreement with them to do so. That occurred in XXXX. They did not apply the funds to principal or interest, and did not reconcile the loan. I entered a complaint to CFPB in the past. My prior complaint ID is XXXX. I will be submitting documents and a spreadsheet, which proves my mortgage is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax data breach XX/XX/XXXX. 
Final approval of settlement XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AES/PHEAA
State: FL

Complaint narrative:
I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Around the beginning of XX/XX/2020, two large amounts deposited to my credit card, one was for {$3100.00} and the other was about {$2400.00}. Transactions were made at XXXX XXXX twice and XXXX XXXX three times using these transferred and charged to my credit card and also XXXX  charges. I dont remember the exact amounts of these transactions, as I reported my card stolen in XXXX when I noticed these charges and when I received a new card I saw a returned payment on the new card for {$3100.00} and an outstanding balance on my new credit card close to {$3000.00} when it should have been less than {$100.00} originally. I contacted my bank so they can hopefully resolve this issue as I have no idea how these funds were transferred and used at these places.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was put in XXXX XXXX buy XXXX XXXX bank for XXXX XX/XX/XXXX its impossible I live had a fraud alert on my credit since XXXX of XXXX to call me when anything is open in my name I would like this removed I owe nothing to XXXX XXXX my consumer Id with XXXX XXXX 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 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: FL

Complaint narrative:
I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card XXXX was totally paid and has not reflected in my score. XXXX  not answering phone and I DO NOT HAVE A COMPUTER. I am going to move next month and I need my score raised so I can get away from here where I am living at. Discover Card has been just lowering my score constantly and i CAN NOT GET INTOUCH WITH XXXX. NOT ANSWERING PHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: FL

Complaint narrative:
I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
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: MD

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: MD

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Midland Mortgage is engaging in fraudulent activities concerning escrow and principal. Midland mortgage will not change payments when it is a lower amount. Midland will adjust other payments such as principle to balance out the overage that is owed to the consumer. They mislead with charges of inaccurate charges of escrow balances for insurance. Midland never refund any excess money owed to consumer as they increase other amounts. They have held my funds stating that my insurance was higher when in fact I requested a recalculation of my taxes 6 months earlier. Which was never done after several attempts to have them recalculate to an lower amount then what was owed. I am asking that midland mortgage practices is looked at and all funds is applied to my mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I had no knowledge of tis account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: FL

Complaint narrative:
I had no knowledge of tis 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 2020-04-28 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 had no knowledge of tis 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 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I tried to use the XXXX  app and it didn't work

Company response to consumer: Closed with explanation