vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I called the phone payment system on XX/XX/XXXX ( XXXX ) to make the monthly payment. The system verified that the stored account information was correct. I was able to make my payment over the phone through the system. I realized on XXXX that my payment had not posted to my account. I called the same number on XXXX and the system stated that I owed 2 payments. I talked to the representative who stated that the system was changed on XX/XX/XXXX and should have not allowed me to make the payment but there was nothing that she could do. I made the 2 payments on XXXX. I called back on XXXX and spoke with another representative who suggested I file a complaint through fico.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted both written and online disputes to have eqifax remove invalid information from my report. Including things like my name, Address & A host of inquiries that I simply didn't authorize. I have A fraud alert of all of my reports because there has been information listed in my report that simply was not mine. Below are A list of hard inquiries that I DID NOT authorize nor agree to have these companies pull my credit. I am requested they all be removed immediately as it is A violation of FCRA to report inaccurate information on someones report. I would like ALL of these specific hard inquiries removed. I have provided specific dates that they show to be pulled. 

XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/2019 ) XXXX ( XX/XX/2019 ) XXXX ( XX/XX/XXXX ) Addionally they have A host of name & Addresses listed that are not mine and has NEVER belonged to me. My Current name Is XXXX XXXX XXXX my former name before marriage was XXXX XXXX XXXX All other names should be completely removed from my credit report. Addionally, They have A host of addresses I have disputed over and over because they don't belong to me and never have.They have refused to remove these inaccurate addresses! My address on my report should be XXXX XXXX XXXX XXXX tx XXXX. I have been at this address for over 15 years and have been at NO OTHER ADDRESS On my credit report! Many of those address I have NEVER had any connection with and can be listed as fraud and any account connected to the addresses should also be disputed as fraud. I should only have ONE address connected to my report and thats the address mentioned above. I should also only show ONE name on my report which again is mentioned above. Again ALL inquiries listed above ARE NOT MINE. Please make these corrects immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: Revolut Technologies Inc.
State: NJ

Complaint narrative:
My funds have been frozen for over a month and support is not helping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by PNC Bank without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I reported to Transunion that XXXX XXXX XXXX, is attempting to collect on a account that is already being reported/collected by Consumer Adjustments on both Transunion and XX/XX/XXXX. But they deemed my dispute inaccurate, and the information was correct. I just need this account to be collected my one agency, not two at once.

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 2020-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is the follow up to my previous complaints. Fraud department told me they made the decision on XX/XX/XXXX, not to return any of the funds to me in my checking account which they closed with no explanation. 

I no longer care why the closed the account. I know there was no fraudulent activity. In fact, the account was opening with a wire transfer directly from my checking account at another bank. 

I am awaiting they return of {$6500.00}. It was confiscated out of my account on XX/XX/XXXX. I am in the process of researching all regulator bodies where I can file formal charges for this error.

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 2020-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by REGIONS BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.

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 2020-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by XX/XX/XXXXwithout me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Set up Auto-Transfer for Auto Loan Payment of {$990.00} on XX/XX/XXXX for loan installment due from my same institution checking account. When I went to verify the auto loan payment was pending on XX/XX/XXXX, there did not appear to be any payments pending from my checking account to my auto loan. Initiated another payment of {$990.00} from checking account to auto loan to ensure payment was made for XXXX billing cycle. Auto transfer appeared to show it was queued up to transfer funds to my auto loan. On XX/XX/XXXX, after checking balances and transactions within my checking account, noticed 2 payments made to my auto loan. One in a pending status, the other posted on XX/XX/XXXX. Called Navy Federal to have pending payment cancelled. Customer service rep told me she could not stop the pending payment in process, but I could call back after payment posted on XX/XX/XXXX to have the duplicate payment reversed. I asked if anything could be done on the banking/checking account side to stop the payment and was advised it could not since all loans and accounts are on same system. Requested to file a complaint due to poor customer service and loan payment experience. I was put on hold 2 different times for 3-5 mins and was never connected to supervisor to initiate complaint. I was informed I could call back later to file the complaint or work to have the already posted loan payment reversed since the pending payment would still ensure my XXXX cycle was paid. Both options were poor ones and advised I would be filing a complaint with CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by CITI BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.

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 2020-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by CHASE BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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:
On XX/XX/2020 I sent Dispute letters for those inaccurate and unknown accounts on my Credit Report but it's over 30 Days today I haven't received any response. I was a victim of Equifax Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: CT

Complaint narrative:
I have a mortgage with midland mortgage a division of mid first bank, out of XX/XX/XXXXXXXX ok. We pay our mortgage on time every month. We have had to contact them several times about posting our account as late, when it is not. We requested a print out of all of our history. Which we paid {$100.00} for which was not a full history and was not correct. They continue to send statements every month after we have paid our mortgage. And they dont make sense, with Outrageous fees that continue to occur over a period of time. We called for a pay off amount. They could not provide that either. This is Affecting us dramatically. We are in the process of waiting for a home equity loan. I have a medical condition and need to have a medically Necessary XXXX. That continues to be prolonged do to errors on the mortgage company part. Which are effecting our credit. We have worked very hard to get this loan. My life is at risk. My family and I where informed I should not wait any longer to have my XXXX. And this is causing things to be pushed out further then Necessary. We our completely frustrated with going back and fourth with them to correct this. We need this loan now. And this mortgage company needs to get there records in order. Its there Responsibility to their consumers and their customers. We pay our bills on time we expect things to be reported correctly.

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 monetary relief
Consumer complaint received 2020-11-28 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:
On XX/XX/2020 I sent Dispute letters for those inaccurate and unknown accounts on my Credit Report but it's over 30 Days today I haven't received any response. I was a victim of XX/XX/XXXX Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.

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 2020-11-28 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: LA

Complaint narrative:
On XX/XX/2020 I sent Dispute letters for those inaccurate and unknown accounts on my Credit Report but it's over 30 Days today I haven't received any response. I was a victim of XX/XX/XXXXData Breach. I demand to Remove ASAP those accounts or I will file a litigation.

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 2020-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Scammers scammed money for job offerings and house purchases. 
One transaction is a check deposit, from XXXX XXXX to the Bank of America. 
Date : XXXX XXXX, XX/XX/XXXX. {$3000.00}. Check # XXXX XXXX XXXX Deposit into Bank of America XXXX XXXX XXXX XXXX ACC No : XXXX XXXX XXXX XXXX Routing No : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, XX/XX/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 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2020 I wrote the US Department of Education concerning my credit report. As evidenced by the return envelopes the post office returned the mail and stated " No Such Address ''. I then examined all 3 credit bureau reports and they all have different addresses as evidenced by the information that I attached from Transunion, XXXX, and XXXX  ( that are circled ). The creditor is responsible for reporting accurate information on my credit report. Also, I wasted money on postage as evidenced by these envelopes to only be returned. I am asking that all these accounts be DELETED because of inaccuracy.

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 2020-11-28 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: TN

Complaint narrative:
On XXXX XXXX, 2020 I wrote the US Department of Education concerning my credit report. As evidenced by the return envelopes the post office returned the mail and stated " No Such Address ''. I then examined all 3 credit bureau reports and they all have different addresses as evidenced by the information that I attached from XXXX, XXXX, and Equifax ( that are circled ). The creditor is responsible for reporting accurate information on my credit report. Also, I wasted money on postage as evidenced by these envelopes to only be returned. I am asking that all these accounts be DELETED because of inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2020 I wrote the US Department of Education concerning my credit report. As evidenced by the return envelopes the post office returned the mail and stated " No Such Address ''. I then examined all 3 credit bureau reports and they all have different addresses as evidenced by the information that I attached from XXXX, Experian, and XXXX  ( that are circled ). The creditor is responsible for reporting accurate information on my credit report. Also, I wasted money on postage as evidenced by these envelopes to only be returned. I am asking that all these accounts be DELETED because of inaccuracy.

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 2020-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
We have written to Wells Fargo a number of times and have previously submitted complaints. because of your action, we get a call from Wells Fargo. A very nice lady gets on the phone and tells us how they will be helping us and then nothing gets done. 

We have also looped in our attorney who has called them but still we do not get any acknowledgement of our request. What we are asking for : 1. Forbearance until XX/XX/XXXX. 

2. Deferred payments to be due at the end of the loan as mentioned on the XXXX XXXX website. 

3. A change of accounts from which the mortgage payments will be automatically withdraw.

I am attaching a copy of my letter of XX/XX/XXXX and a copy of their reply, undated and sent by XXXX  ( see copy of shipping label - ship date XX/XX/XXXX ) We received no reply by XX/XX/XXXX as mentioned in the Wells Fargo letter

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 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I went to buy an new car and I got financed through XXXX  XXXX. They way the bank is treating me is odd. It seems that that they treating me like I have had credit and got and an very high interest rate. They told I have to XXXX to pay for my care in person. They also, told my checks are invalid. Im guessing they saying this because they think Im high risk. 
Well, that clued me and realized I had an problem with XXXX XXXX XXXX XXXX  and reported reported me to Chexsystems. It was an mistake at the bank on XXXX, No. the Bank had it removed From Chexsystems. I found it wasnt removed. There an problem at Chexsystems. I tired calling but just telling to put in an dispute against the bank. The problem is that Chexsystems did not remove it. I called the bank and on there end was removed XXXX/2020. I asked them what I do with the loan. Guy just kept on repeating himself.

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