vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 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: PNC Bank N.A.
State: NY

Complaint narrative:
Referencing claim Number XXXX First of all, your facts are misleading and your letter that was sent to a Federal Agency is  considered defamation and slanderous ... Furthermore, we have recorded calls that we have in safekeeping that specifically stated at least 6 times that MS. XXXX in your XXXX call center stated emphatically on my recorded lines that she accepts full responsibility for the XXXX.. In addition, these calls had XXXX on the phone with their representative of XXXX and Mr. XXXX XXXX XXXX, XXXX was also on the phone. 

This is a matter that you are creating by not paying what she stated and now you have basically called me a liar that is very very damaging. Do you want me to pursue not only legal damages but punitive damages? WE also have the right which we have reserved to bring this to the medias attention that I dont think you want to have a major media campaign on this. 

You have one month to respond and fix my credit and make payment good ... otherwise we will pursue this. 

This has been demonstrated to be a scam and a felony and as result of this the consumer is NOT RESPONSIBLE. In addition, I have recorded calls that how they got this bank information is an inside job. Is your money safe at PNC Bank? I dont think you want a media campaign to destroy your fine institution ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
XXXX has reported a collection item on my credit report that is not a valid debt to them. In fact, XXXX assured me my account was corrected in XX/XX/XXXX via phone, and I was surprised to see a collection item on the credit report through XXXX XXXX. 

The context for the issue is that in XX/XX/XXXX, I contacted XXXX advising I would be moving from XXXX, GA to XXXX, GA in a new neighborhood, and I wanted to find out if they could transfer my service. I was told the review would take approx 7 business days and then I would have answer. The rep told me my ticket number was XXXX. I was told if XXXX was not able to move my service, they would cancel my account and not charge any early term fees. 

I moved into my home on XX/XX/XXXX and checked on the status. XXXX had lost the request, then they said it would take longer than a week. It ended up taking until XX/XX/XXXX before I got a response. In the meantime, while XXXX was trying to figure out whether they could move my service, they were charging me monthly for a cable service I could not even use. When I finally got the answer in late XXXX, I was told to turn in my equipment so that they could close my account. I made payments which should have brought my account to XXXX and was still charged even more money. 

I spoke to a representative in XXXX who assured me the account would be credited and my bureau would be updated. The representative also told me there were notes on their system of record confirming everything I was relaying to her. As of XX/XX/XXXX, it appears as though they may have credited my account, but my credit bureau still reflects a collection item which is impacting my score. 

I want XXXX to make sure my account is closed with a XXXX  balance, and to make sure the credit bureau collection item is removed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 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 — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX, I was contacted by XXXX XXXX XXXX regarding a debt they purchased from XXXX XXXX. I agreed to their terms, and began payments to them directly. My car is on its last leg, so I reached out to Portfolio Recovery to see if I could satisfy the dept early and upon doing so, have it removed from my credit. The associate assured me that yes, upon full payment, it would be removed. On XX/XX/XXXX I received a letter that my payoff was received. I recently applied for a car loan, and my application was denied. I use XXXX to monitor my credit, and discovered the collection account is still on my credit report, just as paid and closed. I reached out to XXXX and they suggested I contact Portfolio Recovery directly to request it being removed. I was advised that Portfolio Recovery does have the ability to remove a closed and paid account, however they are not in practice to do so, therefore, it will show on my report until XX/XX/XXXX. I understand they are under no obligation to remove this, I just wish they would have been honest from the beginning. Now, they are paid and this has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUOFF MORTGAGE
State: MI

Complaint narrative:
In XX/XX/XXXX Ruoff Mortgage company denied my conventional loan which forced me to get an FHA loan. The reasoning they gave me for denying the conventional loan was a Sheriff sale on a previous home in my name. This is false. I have made many requests to obtain the information used to deny my loan from Ruoff Mortgage Co. so I can persue corrective action. Ruoff Mortgage Co. Refuses to send me any information they used to deny my loan. The FHA mortgage cost me a considerable amount of extra costs and monthly fees. 
I closed on the FHA loan on Friday XX/XX/XXXX. On Monday XX/XX/XXXX I attempted to make the first years interest payment to Ruoff Mortgage Co over the phone and they refused to accept the payment stating that " it will make it impossible to sell your loan if the buyer sees that you want to make large payments. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
My wife and I received a Debt Collection Notice from the Law office of Patenaude & Felix on XX/XX/2018. I responded to this notice within 30 days ( Confirmed via Certified mail Receipts and I Confirmed by an associate who works there ) requesting Verification of the debt. Since they received my dispute verification on XX/XX/2018 they have yet to verify this debt however they have continued to attempt to contact myself and the my wife. ( We have recorded calls where the agent Identify 's  themselves along with the name of the law office they are calling from and the purpose of the call ) It is my understanding that they must cease ALL Debt Collection activities until they have provided proof that I actually owe this debt however they have not done that. I feel this company is not operating within the boundaries set forth by Consumer Financial Protection Bureau and would like this matter to be investigated. We will provide any documents needs to help support our claim including the original notice, a copy of the dispute letter, certified mail receipt confirming they law office received my dispute via Mail within 30 days of the original Notice, and voice recordings of the agent calling us as recently as today XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: IL

Complaint narrative:
XX/XX/2018, I sent correspondence to the bureaus regarding fraudulent accounts that are on my credit report. The fraudulent account is still listed on my credit report. Pursuant to Section 605B of the FCRA i would like to have this fraudulent item blocked.

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 2018-07-13 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: IL

Complaint narrative:
XX/XX/2018, I sent correspondence to the bureaus regarding fraudulent accounts that are on my credit report. The fraudulent account is still listed on my credit report. Pursuant to Section 605B of the FCRA i would like to have this fraudulent item blocked.

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 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: WI

Complaint narrative:
I refinanced my {$41000.00} of Discover student loans with XXXX XXXX XXXX. On XX/XX/18, XXXX XXXX XXXX dispersed a payment to Discover that equaled the payoff amount. On XX/XX/18, Discover had only processed half of this payment. I called to ask when the second half would be processed and they said it would be completed as soon as possible, and would be completed in 3-5 business days. On XX/XX/18, the entire payment had still not been processed. I called again and they said the remainder would be processed as soon as possible and would be completed in 3-5 business days. On XX/XX/18, the entire payment had still not been processed. I called and spent 58 minutes on the phone with a representative who could not provide an answer as to why the payment had not been fully processed and could not provide any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: UT

Complaint narrative:
XXXX  and Equifax are reporting inaccurate information on my credit file. XXXX Acct # XXXX is reporting lates on XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX. This information is not correct. I have sent documentation showing the information XXXX  and Equifax was reporting incorrectly. XXXX acct was included in my Bankruptcy Docket # XXXX XXXX in XX/XX/XXXX. I have sent more than enough documentation showing proof, and that they are in clear violation of the Bankruptcy Law act. But they have failed to contact me or remove this information. I have attached documentation showing proof of my discharge date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: TX

Complaint narrative:
As I was reviewing my Experian report. I noticed some errors with my name and address. 

XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Social security Variations : XXXX and XXXX ( does not belong to me )

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 2018-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
In XX/XX/XXXX I opened a Nordstrom store account. My purse was stolen with all my personal information including account information from Nordstrom. Charges in the amount of {$280.00} were made at the Nordstrom without my consent nor knowledge. At this time charges were also made to my XXXX XXXX and XXXX XXXX. I filed fraud claims with Nordstrom in XX/XX/XXXX.. On XX/XX/XXXX I spoke with XXXX Nordstrom Fraud Investigator and was told that my claim was denied back in spring of XX/XX/XXXX. I never received any information stating that my claim was denied, in fact when I called Nordstrom a few days prior to speaking with XXXX I was told that my case was still opened. I am basically accused of making the charges due to the fact that the photo copy of my Drivers License is not current. I have always kept 2 Drivers License on hand in case one is ever lost or stolen. I did not make any charges on my Nordstrom account to be held responsible. Because of this Nordstrom is reporting negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: CA

Complaint narrative:
Experian, XXXX, XXXX has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3.XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX # XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX 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 non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a Bank of America Customer. Sometime around XX/XX/2018 two new  accounts were opened in my name without my knowledge or approval. 1 Checking account and 1 savings account. I called Bank of America to notify them of the issue and possible identity theft and/or fraud. I asked for the following information : Who opened the account? 
When was the account opened? 
Where was the account opened? 
what identification documents ere used to open the account? 
What steps were taken to verify identity? 

These questions are important to me because I need to know if someone has access to my personal information and is using it in a fraudulent manner. BOFA said they would open an investigation but, to this date, I have not heard from anyone. Calls to BOFA for information have resulted in nothing. No one seems to know what is going on. I need answers to these questions right away and I can not afford to wait any longer. Please help.

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 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: WI

Complaint narrative:
My last five automatic monthly payments have been misapplied by Discover. Their official policy on their website states that payments will be applied in the following order : late fees and penalties, interest, principal. However, my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to one of my four loans ; and my XX/XX/2018 payment was only applied to one of my four loans. 

This is in direct violation of Discover 's policies and is not in the best interest of the borrower as it is an inefficient payment method that increases the amount owed for the borrower. Because some of my loans did not have the payment issued towards its interest or principal, my credit score was affected because I had a line of credit with an increasing balance. 

I called Discover on both XX/XX/18 and XX/XX/18 reporting the error that they failed to identify. They assured me both times that the error would be addressed promptly but they have not done so. Both times they could not provide a reason for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I already filed a complaint numbered XXXX against XXXX  XXXX, as well as against XXXX Card numbered XXXX. This complaint was also against XXXX XXXX for the same problem, which was for reporting literally 15 year old information on my Transunion credit report, and perhaps XXXX/XXXX   and/or XXXX and/or other credit reporting agencies. In short, XXXX XXXX  has already done the right and legal thing by deleting these age-old accounts, and XXXX and XXXX XXXX need to do so as well and immediately ... as does Transunion and any other credit reporting agency. 

They ( XXXX XXXX ) responded that they need more time to research. BUT -- Attached below please find the response correct response, which took XXXX XXXX   much less time ... which response is that all of these accounts are WELL over the age where they, by law, MUST be immediately removed from my credit report. In short, XXXX XXXX  did the right thing and complied with the law, now XXXX, XXXX, and, most important, Transunion, must do the same! Here is the proper and legal response from XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Card ending in XXXX Dear XXXX XXXX : We recently received an inquiry from the Consumer Financial Protection Bureau regarding the above referenced account. I was asked to review and respond to your concerns regarding the credit reporting of the account. 
Upon review, our records reflect that the above-referenced account was opened in XX/XX/XXXX and was subsequently closed in XX/XX/XXXX. Please accept this letter as confirmation that a request has been sent to the credit reporting agencies to delete any reference of the account from your credit report. It may take 30-45 days for the credit reporting agencies to update their records. 
Your prior requests were declined due to the timeframe in which they were requested. 
XXXX is not affiliated with XXXX or XXXX XXXX, and it will be necessary for you contact them directly regarding your concerns with them. 
Thank you for allowing us the opportunity to respond to your concerns. 
Sincerely, XXXX XXXX Executive Response Unit XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE cc : Consumer Financial Protection Bureau , Case # XXXX our telecommunication number for our hearing-impaired customers 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 2018-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Evesham Mortgage, LLC
State: NJ

Complaint narrative:
Hello, My complaint is in regards to scare tactics from a loan officer at Evesham Mortgage ( XXXX XXXX ). I recently closed on my XXXX XXXX Homestyle loan on XX/XX/2018. The day my wife and I closed, we were informed by the title agency that it was sold to XXXX XXXX XXXX. Since the construction has been completed XX/XX/XXXX and my first payment was made XX/XX/XXXX, I decided to refinance to a lower rate. My current rate on my Homestyle loan was a 5.25 % and I was offered a 4.75 % from another company. On XXXX, the original loan officer from Evesham Mortgage, XXXX XXXX, called me stating that XXXX XXXX  called them saying I requested a payoff statement, and to do him a favor and hold off with my refinance because the new mortgage company ( XXXX XXXX  ) was coming to them for money because they have not recouped their cost from buying the loan from Evesham Mortgage. XXXX went on to tell me that he had previously told me I was not allowed not refinance for 6 months ( 6 payments ) after I had originally closed which was not the case. He then went on to tell me that my refinance would not go through anyway because of this 6 month timeframe, and because the final draw on my construction escrow account has not been paid out ( which it should have been completed but his HUD Consultant lost paperwork back on XX/XX/XXXX when the final inspection was completed ). As far as Im aware, and according to XXXX XXXX guidelines, if there is a benefit to the consumer you can refinance after one payment with a XXXX XXXX loan by doing a Rate and Term Refinance. I do not appreciate a mortgage professional calling me to do him a favor and stop my refinance because it would cost his company money, and attempting to apply scare tactics on me. It deeply saddens me that he is allowed to call me and try to persuade me to not do a refinance that will ultimately save me, the consumer, money by applying scare tactics. It also makes me upset that he and his company are allowed to sell loans without having the consumers best interest in mind, and making attempts to scare them from doing something that will benefit them. I have also heard that a reason why he is so concerned about my new refinance was because his commission was in jeopardy if I refinance before the six month period. Mind you my loan is no longer with his company anymore. Which is why this is even more concerning, because how many times has this happened to others that have done business with this company. I do not want to be harassed by this lender and loan officer which is what seems to have begun.

Company response to consumer: Closed with explanation