vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I received a document from XXXX XXXX XXXX XXXX XXXX, stating that its XX/XX/XXXX inspection of the apartment unit I was renting at XXXX XXXX XXXX, # XXXX, XXXX, Ca XXXX was in " OK '' condition. I had lived there since XX/XX/XXXX. 

On XX/XX/XXXX I provided XXXX XXXX XXXX XXXX XXXX with a letter of intent to move ( See accompanying letter ) in said letter I informed XXXX XXXX XXXX with authorization to keep security deposit and use it towards rents owed for the previous months rent, and that that would mean that I would owe a remaining balance of only {$80.00}. 

XXXX XXXX XXXX XXXX XXXX, accepted the security Deposit and added {$140.00} for a so-called deep cleaning of the very same apartment unit XXXX XXXX XXXX had just document was " OK '' and prior to that had always found my previous apartment unit as in good condition. I took a video and it is evidence of the apartment being in good condition. 

XXXX XXXX XXXX hired a debt collector who sent me a letter demanding {$220.00} and not what I really owe. There was only normal wear and tear which bars landlords from demanding payment for normal wear and tear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have contacted this company by mail for the last two years! They are yet to send me original documents with signature or identification. This debt does not belong to me and is hendering me from purchasing a home. I have sent letters certified and by email. They dont show proof. Ive also contacted the credit bureaus. Please remove immediately as this is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I'm trying to link my account with the XXXX XXXX  to start investing into stocks, but PNC does not allow me to link my account to it. I really want to start investing, so I need access to link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 I tried to purchase from XXXX XXXX with my Visa,  The computer would not let me do so. 
Then the following charges appeared on my Chas Card Visa {$22.00} {$29.00} {$39.00} {$51.00} {$63.00} {$87.00} {$100.00} {$110.00} {$110.00} {$61.00} {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Pnc bank will not accept my XXXX XXXX account for money transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian shows my XXXX/XXXX in the status as " has been 2 or 3 times late '' however, you can clearly see it has only been late 2 times. These sneaky little comments are not factual, and needs to accurately show that I have only been late twice. The only late payments were XXXX and XX/XX/2020. TWO is a big difference from THREE. 

Please CFPB, get action on this, they have done this on also my XXXX account. 

XXXX shows late 2 or 3 times, when clearly it has only been 2 times shown late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
Theres an account that I don't recognize or haven't conducted any business with them reporting a collection report on my credit report this goes against the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: MO

Complaint narrative:
EXPERIAN* XX/XX/2019 {$430.00} CONSUMER ADJUSTMENT 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 explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Tried to connect to an account already have opened but they can not connect because of something on PNC side

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Can not connect to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I cancelled my auto extended warranty within 30 days and this is not in dispute by the warranty company, the dealership or Regional Acceptance Corporation. Regional Acceptance Corporation refuses to credit back the full {$3000.00} to my acct, thereby enriching themselves at my expense for which I have gotten no consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: PA

Complaint narrative:
Unable to link XXXX XXXX XXXX XXXX with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: MT

Complaint narrative:
Greetings, I Partnered into a contract with XXXX XXXX for cellular service, and at the time, they should coverage respectively, for my region in which service was required. I had several occasions being a business owner where my calls were never sent to me for the ability to answer and due to this my company suffered financial hardship. I reached out to them to correct this issue several times, and was unsuccessful. I discontinued service with them and refused to pay, as they breached their own contract. Now they are affecting my credit report and making this a challenge for my family and I to purchase our new home. Thank you for all help that you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
The information about late payments is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have been paying my mortgage always on time. Due to the Covid-19 I would like to refinance e see my options. I still am current with my mortgage. I have called during the past 1.1/2 months about 50 times. They answer and put me on hold. They answer and get my number and say that somebody will call me back, never do. 
I CAN NOT UNDERSTAND HOW COMPANIES LIKE THIS ARE IN BUSINESS. 
This is extreme and can drive anybody crazy. 
First I am going to try something legal, so I hope you can help, or else this is going to get very serious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: TN

Complaint narrative:
I recently checked my Equifax credit report and noticed inquiries that was not authorized by me. These unauthorized inquiries was placed on my credit report without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: CarMax, Inc.
State: TX

Complaint narrative:
The information about late payments is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There is a Bankruptcy that is not mine nor have Experian nor XXXX  properly investigated this inaccuracy. I have tried countless times to dispute this inaccuracy by mail with FTC report and police report and by phone. It always come back verified! Well I contacted the court that this alleged bankruptcy was filed out of and I was informed that neither Bureau contacted them about the bankruptcy and that they also do not provide credit bureaus with this information. I sent a letter to both Experian and XXXX  asking what method was used to verify this bankruptcy and NEITHER bureaus have responded to my request. Only Experian and XXXX  Credit Bureaus are repotting this inaccuracy. No bankruptcy is reported on my Equifax.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: LEXISNEXIS
State: NV

Complaint narrative:
Have contacted XXXX XXXX on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is a Bankruptcy that is not mine nor have XXXX  nor Transunion properly investigated this inaccuracy. I have tried countless times to dispute this inaccuracy by mail with FTC report and police report and by phone. It always come back verified! Well I contacted the court that this alleged bankruptcy was filed out of and I was informed that neither Bureau contacted them about the bankruptcy and that they also do not provide credit bureaus with this information. I sent a letter to both XXXX  and Transunion asking what method was used to verify this bankruptcy and NEITHER bureaus have responded to my request. Only XXXX  and Transunion Credit Bureaus are repotting this inaccuracy. No bankruptcy is reported on my Equifax.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: TX

Complaint narrative:
This is not a valid debt. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: TN

Complaint narrative:
A unauthorized student loan is reporting on credit report that was not known nor authorized by 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 explanation
Consumer complaint received 2020-06-07 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:
A unauthorized student loan is reporting on credit report that was not known nor authorized by 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 explanation
Consumer complaint received 2020-06-07 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: TN

Complaint narrative:
A unauthorized student loan is reporting on credit report that was not known nor authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I checked my score on Experian today and it has dropped 19 points for no reason I paid off affirm as agreed and on time. The status is showing loan outstanding which is incorrect reporting from them and Experian if this where an white person account this would not be happening how does your score dropped 19 points for paying off a loan installment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a victim of identity theft, capital one allow someone to open a fraudulent credit card account with my information I been trying to resolve this matter I also reported to the police and also email capital one the police report I called everyday & ask them to do a full investigation an remove the fraudulent credit card loan off my credit report, No Response from the credit company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
After my mother passed away in XX/XX/2018, I took over her mortgage with the bank XXXX XXXX XXXX XXXX. In a matter of a month later the bank sold the mortgage to SPS ( Select Portfolio Servicing ). At that time the monthly payment was {$950.00} insurance included. 2 to 3 months later the monthly jumped to {$1000.00} then {$1000.00}. 

When I called them they asked me for some type of identification which so far was normal a step. Things were going smooth until an expert asked for more proof without telling me what exactly he needs from me. I provided them all documentation I could find including the quit claim deed that was made with my mother 's name and mine but still it was not enough. every time I call I got a different answer until on employee told me that what i needed was a court order or a deed. 
I went to the court and filled an application for guardianship and/or a probate letter. 
It did not workout well because having no experience I made mistakes filling it. 
Then I took a lawyer who corrected my mistakes but at the end the judge dismissed the case because my sister death certificate made in XXXX was not their way or some sort. 
In the mean time SPS does what it wants I feel that I have no right to do anything while I keep paying the mortgage. 
In the middle of the COVID-19 pandemic they raised the monthly payment from {$1000.00} to {$1100.00}. 
I keep asking myself what next? 
I don't understand why the court is not helping us the little guys. They know who I am, they have all the data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have been scammed through XXXX XXXX XX/XX/XXXX. I was selling a laptop for a {$1000.00} and a person called XXXX XXXX, in XXXX, approached to me asking for the computer. The purchaser offered {$1000.00} for the laptop plus another {$100.00} for one-day shipping. I accepted the offer, and he/she asked me to provide my PayPal account. I sent a direct link to my PayPal account, so the payment could be made. The buyer then requested my email address to send the payment, stating that the link I provided did not work. I gave my email address. After that, I got an email supposedly from PayPal saying that the payment was made, but it was going to be on hold until I shipped the computer and provided the tracking number and copy of the receipts. I shipped the laptop the same day to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ), and sent the tracking number ( XXXX ) and the receipts. Then, I got another " PayPal '' email requesting me to wait XX/XX/XXXX hours for the payment to be credited into my PayPal account. On the next day, I received another " PayPal '' email claiming that the payment exceeded the amount of money my PayPal account was allowed to receive, and to upgrade it to a Business account so the payment could be credited into my account. It also said that the purchaser had to pay an extra amount of {$600.00} to reactivate and complete the transaction, and that I would be rewarded with another extra {$100.00} as a compensation fee for holding the funds. After I upgraded my profile and the purchaser supposedly made the extra payment, I received another email alleging that I needed to refund the extra money paid by the buyer in the form of gift cards, and to submit the activation codes and the receipts, before the payment could be credited into my account. I accepted, bought 6 XXXX gift cards, and sent the activation codes with the receipts. Below are the XXXX gift card activation numbers : XXXX XXXX XXXX XXXX XXXX XXXX After that, I received another email requesting me to wait another XX/XX/XXXX hours to check the legitimacy of the gift cards. On the next day, I received another email claiming another problem with my account, saying that the buyer had to pay another extra {$800.00}, and requesting me to make another refund when in reality I have not gotten paid yet, and the buyer reported that he/she already got the laptop. I asked my family members and discovered I was scammed. I have no pending transactions in my PayPal account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is not a valid debt. yet it is showing on my credit report from Transunion, XXXX, and XXXX. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with XXXX and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with XXXX and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.

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