vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have been working as a XXXX / XXXX XXXX for a number of years. I am a XXXX XXXX and not a corporation. 

I have had a PNC Bank business credit card account for about 10 yrs. 

In XX/XX/XXXX I moved to a different location in my state, with a new mailing address. I updated my new mailing address on the PNC website, and PNC Bank mailed me a letter confirming they received the new mailing address. 

PNC Bank has recently removed any access to my business credit card account on their website, but I have saved screenshots showing that my address was correctly entered on their website. 

Between XX/XX/XXXX and XX/XX/XXXX, I did not receive any statements from PNC Bank by mail or email, that showed that I owed any minimum payment. The only statements available were several statements on the PNC Bank website that stated that my balance was {$0.00} and my minimum payment was {$0.00}. 

In XXXX & XX/XX/XXXX I left multiple messages on the PNC website stating that I had not received any statements. I have screen shots of those messages. 

I continued making monthly payments until XX/XX/XXXX, when my balance was {$5600.00}. After that I made several charges totaling about {$83.00}, and then the credit card was no longer valid. 

On XX/XX/XXXX I mailed a certified letter to PNC Bank explaining that I had not received any statements for my PNC Bank credit card account. 

PNC Bank customer service began calling me several times per week, leaving messages asking me to call them. I returned the calls multiple times but each time I received a voice mailbox. 

On XX/XX/XXXX, I finally reached PNC Bank 's Small Business Credit Card Default office. They told me that my correct address had been entered on their website, but they had accessed the wrong address in the PNC default office. 

On XX/XX/XXXX I received an envelope with PNC Bank statements for XX/XX/XXXX to XX/XX/XXXX. PNC 's XXXX statement was due XX/XX/XXXX. My interest rate had been increased from 12.4 % to 30.74 %, multiple late fees and large finance charges had been imposed, and a minimum payment of {$680.00} was demanded. 

On XX/XX/XXXX I received a new statement with total amount of {$940.00} due on XX/XX/XXXX, and the new balance was now {$6100.00}. I refuse to submit to PNC Bank 's racketeering practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XX/XX/XXXX I pulled my bureau report and found that XXXX XXXX XXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$470.00}. I sent a request for PRA to complete the enclosed Debt Collectors Disclosure Statement ( DCDS ) as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a XXXX request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. The date of the unauthorized hard inquiry to my credit was on XX/XX/2017.I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit.That is the reason I am making this complaint.

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 2018-07-19 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: TX

Complaint narrative:
I have filed dispute before but I didnt receive any response. My credit score is being affected due to something which I am not reliable of. 

My credit score shouldnt be hurtled due to some other companies mistakes or until and unless they are entirely sure if I owe the amount and I am reliable to pay it. 

This medical bill debt is giving me a very hard time as its effecting my score, all my efforts have been futile so I thought to file this complaint. 

I was told by police officer to go to the hospital as they saw my condition I was badly XXXX and XXXX. Upon reaching the hospital I provided them my police incident no and was treated as a crime victim. I was told to come back to the hospital and do some paper work we work which I did. Months passed and the collection company never told me I could dispute it while my score kept being hurt over something which I wasnt reliable for. Kindly remove it from my Equifax report Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We have a HELOC with USBank. Two years ago, on or about XX/XX/XXXX, USBank took out and restricted our online access to our HELOC account, which was the way we had been making payments our HELOC ( we initially got our HELOC in XXXX ). After we noticed that we were not able to pay online and we had no access to our HELOC, we called customer service and were informed that our HELOC was in foreclosure. That was news to us as we were current and never late in any payments. We called and tried to get information from just about every customer service number available for USBank to no avail. We even contacted local USBank managers that we dealt with on a daily basis. These managers were not able to get any information. It wasn't until we threatened one of the managers with a subpoena and a lawsuit that we were given the option to pay only in person and in the branch and then the branch will send the payments to a " secret '' unit in Minnesota to process our payment. We have been doing that for two years now but we have not received any statements, we do not have any notices from USBank as to why our account is in foreclosure and USBank, and all of their representatives, continue to refuse to identify or even provide paperwork of foreclosure proceedings, etc.

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 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I filed for Chapter XXXX bankruptcy PRO SE back in XX/XX/XXXX and listed my apartment complex as a creditor with an unexpired lease on my schedules. Throughout the bk proceedings, I still lived there and paid my rent. My bk was discharged in XXXX and closed in XX/XX/XXXX. My lease ended XX/XX/XXXX and they are trying to collect about {$800.00} in move out fees for worn carpet through a collection agency. They sent it to collections the day AFTER my lease ended without contacting me. My question is, since they were listed on my schedules when I filed, can they collect any amount from me even though my lease ended after my bk was discharged? I had a similar situation with my vehicle lease where when I filed, my lease was still active and didnt officially terminate until AFTER my bk closed. Even though I knew I would have owed the finance company money for going over my lease miles ( est. around {$4000.00} over ), they wrote it off as included in bk and never attempted to collect. If it turns out the apartment complex cant collect, do I need to hire an attorney just to tell them they cant collect from me? I think theyre doing this just because I didnt have an atty.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Received correspondence today XX/XX/18 that my home ( XXXX XXXX XXXX XXXX, XXXX PA XXXX has foreclosure sale date of XX/XX/18. Wels Fargo Home Mortgage did not notify me of this action and im only outstanding for 2 Months payment. This is a shocker, because I made payments totaling $ XXXX months of XXXX and XXXX notwithstanding being unemployed, and monthly payment is $ XXXX/month. I have been in correspondence with them and no one informed me of such action

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 2018-07-19 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Does not report the correct date of last delinquency. All of the payment information is incorrect and the debt which was charged off in XX/XX/2012 has been sold to a company that shows that I have been making payments which is incorrect. This company has re-aged my account which will impair my credit further. My understanding is that when a company willfully reports false information that it is a violation of The FCRA and must be permanently be deleted from my credit report. This makes this debt look like it is a new debt when indeed it is well past the SOL and is set to drop off of my credit report but now will be extended if this illegal practice is allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The account do not open by username and password since 3 years now. This account get my y Social every months. I need this bank to refund me my money in full about {$25000.00} or about the amount. Their do not reply clearly my previous complains, their need to refund 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 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
My husband and I got XXXX XXXX / XXXX XXXX XXXX ONLY so that I could get Mosaic status. The invitation was in his name so, somehow HE became the primary account holder. I called and asked how I get Mosaic status and the rep TOLD ME " ... just spend $ XXXX ''. I fly EVERY week for work. He never travels. I put an entire kitchen renovation on this card to get to $ XXXX. And now that we've reached the $ XXXX threshold, I'm told that only HE gets Mosaic status, not me!? And they can't switch the primary account holder ( even though my credit score is better than his ) or transfer the Mosaic status!? How do I resolve this?! I've been  putting absolutely everything on this card and NOW they say this benefit only applies to him!? That's NOT what the rep told me when I opened the card! Completely deceptive and unacceptable!

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 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third Bank has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on two separate days a day apart from each other. I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit. The dates of the inquiries are XX/XX/2017 and XX/XX/2017. I called Fifth Third Bank Corporate and got nothing more than a run-a-round by their customer service representatives on multiple calls by myself to them. That is the reason I am making this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Midwest Recovery Systems LLC added a collections amount of {$120.00} to my XXXX credit report on XX/XX/2018. ( No other reporting agency ). However, written notification about debt and notice of right to dispute was never received. Midwest Recovery Systems LLC placed negative item on my credit report without notifying me, which is a clear violation of the early warning notice clause of the FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Midwest Recovery Systems LLC to remove incorrect information off my credit report. More importantly, Midwest Recovery Systems LLC are in violation of the FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: OK

Complaint narrative:
Equifax continues to report information on my credit report that they have sent me in writing confirmation that the items would be deleted ( see attached documents ). I have requested that the following addresses be deleted ( Equifax stated on the report dated XXXX.2018, confirmation # XXXX, that all of the addresses had been deleted ; yet when I pulled my credit report on XX/XX/2018, almost 120 days later, the addresses are still reflected as are accounts that companies instructed Equifax to remove : DELETE ( See attached report where Equifax stated these addresses were deleted : XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Delete : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) The above mentioned companies instructed all 3 bureaus to DELETE the entries ; however, Equifax has blatantly refused.

In summary, DELETE ALL AFOREMENTIONED INFORMATION FROM MY EQUIFAX CREDIT REPORT AND PROVIDE A NEW, FULL, CREDIT REPORT THAT REFLECTS THE OUTCOMES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 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: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received my credit report from XXXX this morning and found some things into the report that I had no knowledge of. Yes last XXXX I received a letter form XXXX XXXX XXXX that I maybe one of 14 million that was in the problem of the credit bureau being breached then.

From the looks of it they were right I have addresses that I never lived at and the misspelling of my last name as well as some one tried to get credit in my name as well. 

Now I am seeing addresses that I never lived before. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single family house XXXX XXXX XXXX Address identification number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single Family XXXX XXXX XXXX Address ID Number XXXX These places I have never lived before. And I never used my son 's name o co apply with me on anything now that is a fraud because his name has been used for different things as well.So that is wrong too, now the spelling of my name is wrong as well over Name identification number XXXX XXXX this is not my name at all. If your going to fraud by using some one else name spell it right. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ( XXXX ) XXXX So what XXXX XXXX XXXX told me was true. I have companies calling and telling me that I have to renew the house and car warranty when I do not even own one. I have checked my own back ground check and find that thee are a million XXXX XXXX XXXX 's because it is a common name. I just happen to be one of them. I do feel that I was a victim of ID Theft because to find these tings on my credit report is hindering me from advancing to do better for myself and family. I am trying to get a small business loan now and can not get it because of all of these things on my credit report. It makes me look bad hen I am trying to clean things up and not owe anyone at all. 
these things I did not know about until today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: IA

Complaint narrative:
I HAVE AN ACCOUNT FROM XXXX XXXX XXXX XXXX FROM XX/XX/1999 THAT KEEPS APPEARING ON MY CREDIT REPORT, THIS ACCOUNT WAS INCLUDED IN A BANKRUPTCY FROM 15 YEARS AGO. THIS DEBT WAS DISCHARGED EQUIFAX KEEPS HAVING THIS INFORMATION RE-APPEAR ON MY CREDIT FILE, IT WAS IN BANKRUPTCY AND ITS WAY PAST THE TIME THAT ANY DEROGATORY ACCOUNTS SHOULD BE LISTED ON THE CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AmeriCash Holding LLC
State: WI

Complaint narrative:
Recently it came to my attention that XXXX XXXX XXXX, XXXX dba AmeriCash Loans, XXXX XXXX XXXX XXXX XXXX, WI XXXX entered a Summons and Complaint Small Claims against me on XX/XX/2018. 

AmeriCash Loans headquartered at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL. XXXX did not officially notify/serve me said summons and complaint by certified mail, registered mail, nor official process server which is dictated and outlined as an official procedure in debt collections in the State of Wisconsin. 

Also, I did not receive official notices/letters ( as mentioned above ) from AmeriCash of the Right to Cure Default of said payday loan within the past 2 years leading up to this complaint.

Nor have I received to date an official notice of said summons and complaint filed in the State of WI Circuit Court, XXXX County, Case No. XXXX which is presently pending against me at this time of writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I applied for a Citicard, they denied it because I refused to give them certain further information and now they are sending me credit are statements and wont let me close the account even though I have tried 5 times.

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