vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I used the officially authorized website by the federal government for receiving credit reports : XXXX. Every credit reporting agency said that they were unable to give credit reports online at this time ( XX/XX/2018 ). However, I currently live in XXXX and so it is not very feasible to request a mail in for credit reports, so I have no way of officially getting a credit report through government-official ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
My mortgage was discharged in a chapter XXXX Bankruptcy.I have 2 specific issues 1-PNC sent collection letters after the discharge of the debt.I am attaching collection letters fromXX/XX/XXXX andXX/XX/XXXX ( pages marked 1 and 2 of attachment ) the .They are saying the payment is " past due '' and that they " may report information about this account to the credit bureaus '' they threaten that " this default may be reflected in your credit report.They have a right to enforce their security intrest and nothing more. '' They cant do any of this as the debt was discharged in Bankruptcy and they are violating the bankruptcy injunction and the Fair Debt Collection Practices Act repetitively.

This also violated the CFPB directive on unfair and deceptive practices.Page 6 of the attachment section 209 CMR 18.16 number 5 states that '' the threat to take any action that can not legally be taken '' is a violation. They cant report this to the credit bureau, nor did they intend to but they did threaten to do it.

2-PNC sent an illegal cure notice. ( page 7 ) this default notice gives a 30 day notice and was sent regular mail.Each of these are in violation of Massachusetts General law.Please see page 3 and 4 outlining requirements for default notification for " certain mortgage loans '' and this loan having been an interest only loan for 10 years is a " certain mortgage loan '' The cure notice has to be 90 days from the default and cant be delivered regular mail.

There are many, many more violations of the FDCPA by PNC, they are especially sloppy when it comes to dealing with bankruptcies in loss mitigationThey do what they want without regard to CFPB regulations or collection laws..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Myself and My Wife are very confused at the way CHASE BANK is handling our mortgage transfer to another servicer. We recently received a letter from Chase stating that we should not send any more payments to them that they no longer service our mortgage, which we have no issues with what so ever. the thing that we have lost sleep over and confused us is the fact that the letter is signed by a XXXX XXXX and it says we will receive instructions from XXXX XXXX but it also says we will be sending future payments to XXXX XXXX at another entity when the same XXXX XXXX signed the letter attesting to the fact that he is clearly an employee of Chase a managing director, where the letter says not to direct any payments to. So my wife asked how is he working at both banks isn't that a conflict of interest. Which bank does he actually work for? and how isn't this the most confusing mixed message ever?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2017, fraudulent charges were made using my card that was either lost or stolen, and paid by PNC Bank without being questioned. The fraudulent charges totaled {$790.00}. 

I reported the lost or stolen to PNC in a timely manner. PNC Bank refused to return the money. 

I have a attached a detail letter, with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Financial Credit Service, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I recvd a call from XXXX XXXX  XXXX XXXX XXXX stating that she was calling from XXXX  court processing and summons district and that I needed to verify my information for legal documents do to fraud ... I hung up cause I know you are misrepresenting yourself and I have the call recorded. She then proceeds to skiptrace and contact my aunt, husband, grandma and tell them I have 6 counts of fraud the case # XXXX and I needed to call her back and she told them my legal documents had they name on them and they would need to come to court too. I found out she is calling from a place she only gave abbreviations for ARA and XXXX XXXX is claiming to be a paralegal telling me see you in court ... all calls are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: GA

Complaint narrative:
I had a mortgage loan with XXXX ( Account number XXXX  ) The first delinquency on this loan was in XX/XX/2011. The first delnquency listed on the credit bureau files shows 90 days late in XX/XX/2011. It was placed in forbearance but never brought current. It was ultimately foreclosed. Federal law says that it had to fall off my file in XX/XX/XXXX due to federal obsolescence guidelines. I disputed it and it remained.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: GA

Complaint narrative:
I had a mortgage loan with XXXX ( Account number XXXX  ) The first delinquency on this loan was in XX/XX/2011. The first delnquency listed on the credit bureau files shows 90 days late in XX/XX/2011. It was placed in forbearance but never brought current. It was ultimately foreclosed. Federal law says that it had to fall off my file in XX/XX/XXXX due to federal obsolescence guidelines. I disputed it and it remained.

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 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I used the officially authorized website by the federal government for receiving credit reports : XXXX. Every credit reporting agency said that they were unable to give credit reports online at this time (XX/XX/2018 ). However, I currently live in XXXX and so it is not very feasible to request a mail in for credit reports, so I have no way of officially getting a credit report through government-official ways.

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 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I used the officially authorized website by the federal government for receiving credit reports : XXXX. Every credit reporting agency said that they were unable to give credit reports online at this time ( XX/XX/2018 ). However, I currently live in XXXX and so it is not very feasible to request a mail in for credit reports, so I have no way of officially getting a credit report through government-official ways.

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 2018-07-05 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: GA

Complaint narrative:
I had an account with XXXX XXXX XXXX  ( account number XXXX ). This account was charged off. The first delinquency was prior to XX/XX/XXXX. I disputed this with the creditbureaus and Equifax left it on my file. Even the last activity date reads XX/XX/XXXX ... and though that does not represent the last payment date ( which was earlier ), it still falls within the credit bureau guidelines for using 6 years and 9 months for obsolescence periods.

I WANT THIS REMOVED AS PROVIDED IN FEDERAL LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I contacted XXXX XXXX about a collection account that was on my credit report. XXXX XXXX stated the original creditor was XXXX there was multiple account with the XXXX placed for collection one account was XXXX  and the other was 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 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
On XX/XX/XXXX I sent UNIVERSAL ACCEPTANCE CO. a Ceast and Desist letter that was received on XX/XX/XXXX.

On XX/XX/XXXX, I sent a complaint letter to the Bureau of Financial protection because XXXX was still reporting Collection Activity to all three credit bureaus and the letter was received on XX/XX/XXXX via certified mail.

XXXX, have not been in compliance and are in violation of the FCRA and the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Meridian ARG Inc.
State: CA

Complaint narrative:
This afternoon, I received a phone call from XXXX. They left the following message : " This is XXXX XXXX [ possibly XXXX  or XXXX ] calling from the XXXX XXXX. I need to verify a current address as well as a place of business address to proceed against you. At this time, you are forfeiting your right to take care of this matter outside of court. We will contact your Human Resources Department to follow proper protocol and procedure to serve you on the property. Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX and reference your case number. This is my final attempt. You've been officially notified. '' When I returned the call and asked for the name of their business, I was told it was " XXXX XXXX XXXX ''. The woman I spoke with told me her name was " XXXX '' but refused to give me her last name. She also initially refused to give me information unless I verified my Social Security number. I declined. Then she told me they were attempting to collect a debt on behalf of XXXX XXXX. When I told her that debt was paid successfully years ago, she grew irate and began pushing me to tell her how much I paid, and that I hadn't " paid in full '' according to her records.

While on the phone, I pulled up my credit report and told her I had XXXX   delinquent accounts, and the XXXX XXXX  account currently showed " Paid Successfully '', she accused me of being " one of those professional debtor XXXX   '' and hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-05 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: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I appealed to my lender to reverse the first and only 30 day late reported on my credit report ever! I explained that it was the fault of my broker, and I hoped they would understand and that I would comply with any stipulations they might require in order to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
During the time of misfortune I managed to get behind on my mortgage from XX/XX/XXXX-XX/XX/XXXX. My loan is with XXXX XXXX XXXX.

I was told by a rep by phone in XX/XX/XXXX that we could get up to 6 months removed for our credit that was reporting 30 days late during this time when or at the time we could cath our loan up to date. 

We managed to this and now they are saying that is nothing they can do and not sure why a rep for them said this and there is nothing they can do. If I knew this it would of helped manage and prepare for this time. We are in the process and selling and maybe buying again and this is holding us back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Hi there, At the moment to signed the lease with XXXX XXXX  City by XX/XX/XXXX - I wanted to make sure there was not hidden fees, reason for which I asked about the other charges for the amount of XXXX $ that appear in the contract to the sales person who explained me that amount will be charge if vehicle shows excessive wear and tear. He explained me that they will have to reconditioned the car in order to sale the vehicle. I believe him and decided to sign the lease. Of course, I also checked online what the term Disposition fee  means. 

After I received the bill for {$380.00} I spoke with somebody at Toyota and they suggested me to write a letter to Toyota Financial which I did and sent out on XX/XX/XXXX. Today I have been contacted by them saying I have to pay that amount because that amount is a fee that they pay to transfer title to an auction? I do not know why I have to pay a fee to transfer the car to an auction dealer. 

My lease ended on XX/XX/XXXX same day I gave back the car and make sure car was completely clean, polish like they supposed to receive it in order to dont get charge that amount. My mileage was law and car was in excellent condition. I am attaching pictures and documents together.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: VA

Complaint narrative:
Experian credit report for me showed an account that was not mine. Experian attributed that invalid report to XXXX XXXX XXXX. XXXX XXXX XXXX denies that I had that account, and denies that they provided the information to Experian. One of  them is not telling the truth, and each blames the other. There are public reports that XXXX XXXX caused many false or invalid accounts to be created, but Experian will not give me specific information about which office or branch of XXXX XXXX Experian says submitted this information.

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 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, The reason for me filing this complaint is due to TransUnion credit reporting agency failing to initiate complaint after receiving my request XX/XX/2018, certified mail. On XX/XX/2018, I contacted TransUnion to get status update on the investigation on the following accounts listed below I was told they have no record of ever receiving an credit dispute on file. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6 . XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX  10. XXXX XXXX XXXX  11. XXXX XXXX XXXX   12. 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 2018-07-05 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XXXX XXXX Report shows 4 hard inquiries I did not authorize. Attempted to fix with XXXX XXXX XXXX XXXX, and was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX told mw to contact the credit bureaus and then XXXX told me to contact Synchrony, and in circles not solving problem. The 3 inquires are below : ( 1 ) XXXX/belk for XXXX XXXX XXXX   XXXX ; inquiry made XX/XX/XXXX. 

( 2 ) XXXX/walmart for XXXX XXXX XXXX XXXX ; inquiry made XX/XX/XXXX. 

( 3 ) XXXX/walmart for XXXX XXXX XXXX XXXX ; inquiry made XX/XX/XXXX. 

I only have one credit card, with XXXX XXXX XXXX and I applied for it in XX/XX/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 2018-07-05 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: KY

Complaint narrative:
Unauthorized hard inquires TransUnion refuses to remove. I contacted all lenders below and they refused to to remove them. 
When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report.

XXXX XXXX Inquiry : XX/XX/XXXX Finance XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX   XXXX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX   ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( 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 2018-07-05 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: NCC Business Services, Inc.
State: GA

Complaint narrative:
Although this dated collection from XX/XX/XXXX is not mine I have had difficulty getting it removed. 

As an attempt to settle the matter I sent an settlement offer letter directly to NCC BUSINESS SERVICES INC. on XX/XX/XXXX. 

The 30 day allowed to time for the company to respond has long passed. 

( Letter and Certified mail receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX credit report for me showed an account that was not mine. XXXX attributed that invalid report to Wells Fargo Bank. Wells Fargo Bank denies that I had that account, and denies that they provided the information to XXXX. One of them is not telling the truth, and each blames the other. There are public reports that Wells Fargo caused many false or invalid accounts to be created, but XXXX will not give me specific information about which office or branch of Wells Fargo XXXX says submitted this information.

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 2018-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: NY

Complaint narrative:
I noted a collection account on my annual credit report and contacted the company by mail on XX/XX/18 inquiring about this transaction. The letter was returned. 

I sent another letter via certified mail on XX/XX/18 and the letter was returned on XX/XX/18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation