vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i recently pulled a copy of my credit report and saw these inquiries date of the report is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX Home phone : XXXX XXXX XXXX I Have Attached a copy of my experian Credit report WIth these inquiries we had never came to terms and have no debt with the lenders, Had I known the terms submitted by the lender we would have never submitted a credit application, These are the following inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This is with no surprise, the so called BIG people they do whatever they want PAY-PAL, yes I saw the thousands of complaints online, but something has to be done here. whatever the reason and no reason, they are just holding consumers money in the millions, all year round for 6 months, for them it's free money, and for the IRS it's not an income. with out any regard to the financial burden, and suffering people are going through, and the financial credit ratings people suffer., because they cant get their money to pay bills. Please take a look what I finally faxed them, and they have not replied. I urge you to go online to the XXXX  & to XXXX and see and read for yourself what is going on with this company. 
there are NONE complaint, zero, and NO charge back, and I never had one not even with XXXX or XXXX. they should release my money, holding it since XX/XX/2017. The only thing people get is spending hours on hold and get the run around, but not their money. If I travel out of my State and charge my CC, they will contact me right away, the same here with PAY-PAL, they don't want to deal with large charges, than deny the transaction, but don't accept and hold on to their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: DE

Complaint narrative:
On Wednesday, XX/XX/XXXX, I received a phone call from Capital Management on behalf of another third party, XXXX XXXX XXXX, for a company called XXXX XXXX XXXX. I informed the caller I have no idea what this company is nor did I ever have an account with them. I then received a letter in the mail stating that Capital Management has been engaged by XXXX XXXX XXXX on behalf of XXXX XXXX. Again, I have never applied for credit or have any knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Don't let the public intervine with business or accounts XXXX XXXX XXXX paid for

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 2018-03-23 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: NC

Complaint narrative:
Their is errors on my credit report that I did not validate or authorize. These accounts/inquires below need to be removed immediately because they do not belong to me. 

REMOVE COLLECTIONS : XXXX XXXX - XXXX - {$260.00} REMOVE INQUIRES : XXXX XXXX/XX/XX/2018 XXXX XXXX XXXX/XX/XX/2018 XXXX XXXX XXXX   XXXX/XX/XX/2018 XXXX XXXX XXXX/XX/XX/2018 REMOVE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX EMPLOYMENT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
We have money in Escrow to pay our property taxes which were due at the end of XX/XX/XXXX. Today is XX/XX/XXXX, and they still have not been paid and have already accrued two months of late fees.

Our lender did not ever contact us to know that the bill was due and had never been paid. We did not know until we were contacted by our builder that our taxes had not been paid. We have called and sent letters to our lender from our builder, but nothing has been done.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
So I moved transferred my cable service XXXX never transferred the account to another address. I paid the final bill and they turned it over to collection who in turned reported inaccurate info to my credit bureau and I owed them nothing

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 2018-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I take advantage of XXXX yearly. When I applied for a home loan through XXXX in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on XXXX, XXXX, and two on XXXX. The six on XXXX and XXXX were created by XXXX XXXX. The two on XXXX were created by Bank of America. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are Bank of America.

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 2018-03-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I take advantage of XXXX yearly. When I applied for a home loan through XXXX in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on XXXX, Equifax, and two on XXXX. The six on XXXX and Equifax were created by XXXX XXXX. The two on XXXX were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: MS

Complaint narrative:
I take advantage of XXXX yearly. When I applied for a home loan through XXXX  in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on Experian, XXXX, and two on XXXX. The six on Experian and XXXX were created by XXXX XXXX. The two on XXXX  were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are 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 2018-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had an overdrawn account I paid all the fees after my account was closed. Years later it shows back up that I owe Bank of America and I am on several checking accounts for organizations and it had to be cleared. So I was told by bank officer that it doesn't show paid so I paid again to clear my name {$380.00} the bank ripped me off.

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 2018-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
There is a discrepancy in my clients account. He had a trial payment for XX/XX/XXXX, XX/XX/XXXXand XX/XX/2011. Then he was issued final modification with first payment due XX/XX/2011. The bank is showing him sixty days 60 late since the beginning of the modification but is due to the fact that according to the agreement no payment was required in XX/XX/XXXX and XX/XX/2011.

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 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax lists my current employer as the one that I left in the summer of 2000 and has no mention of the employer where I have been working for almost18 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On or about XX/XX/XXXX Portfolio Recovery Associates, LLC., a collection agency and I settled a collection in full. The account was paid completely without a reduction on the principal balance. The amount was in excess of {$18000.00}. During the negotiation, they falsely claimed after the account was paid in full they will remove all records from all three credit agencies. They did with XXXX and XXXX, but not XXXX. This practice creates severe financial hardship and is misleading. I tried to reason with them. They made a false promise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 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: IL

Complaint narrative:
Inaccurate information on my credit pay status balances, example a collection agency that the vendor was paid direct I don't owe the collection agency. 

a loan reporting late but has never been late and is paid in full.

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 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried since last XXXX to cancel the subscription and EVERY time, no matter the time of day there is over a 2 hour wait, and this is not just me - the XXXX  has a 98 % negative reviews - and most have the same complaint. Phone is the only way to cancel and this practice is designed specifically to stop people cancelling. They should be prosecuted.

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 2018-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've sent a XXXX payment transfer from my XXXX XXXX to Capital One 360 about a week ago and the money has not arrived in my capital one 360 account. I've received confirmation from both banks that the money has been sent and received but it's not showing up on my account. I've contacted XXXX XXXX and Capital One 360 numerous times and spoke to the representatives and the supervisors there but they are not willing to fix this issue and give me my money back. The money is lost somewhere and the banks can not find it. I've sent money from my XXXX XXXX to Capital one 360 before using the same method and I've had no problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: TX

Complaint narrative:
Company shares debt information to our bank for properties in which the bank had no interest, in effort to defame and or attack our character. We had attempted to set up payment agreement, with tax office which did not or was unwilling to make arrangements. We had paid XXXX on our debts. The bank was given personal debt and business debt information that was not related to them in any shape or form. 
The letter that was received by the bank also had a cc remark as to deceive the bank into thinking we received a copy of their letter, which was not.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: IL

Complaint narrative:
Inaccurate information on my credit pay status balances, example a collection agency that the vendor was paid direct I don't owe the collection agency. 

a loan reporting late but has never been late and is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Merchants credit guide appeared on my credit asked what this was for all information was a hospital bill. went to hospital got a copy of bill paid hospital directly and merchants placed on my credit anyways even though I didn't owe them, and proceeded to claim a amount higher then what was actually owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: FL

Complaint narrative:
Purchase Protection damaged or stolen i got mugged  at gun  point and was denied because i was mugged in my car ... the item was in my pocket.. this is a fraud service.. they change the reason 3 times on me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
There is an account on Equifax from XXXX XXXX   that was paid on XX/XX/2017. XXXX XXXX stated they sent over a letter of expungment that the account was paid and should be removed. I have contacted XXXX XXXX multiple times but it is still showing on Equifax. I disputed on Equifax online still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: IL

Complaint narrative:
A XXXX XXXX XXXX  collection appeared on my bureau debt was paid directly to hospital and nothing is owed to 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 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XX/XX/16 I sent certified letter to this company requesting validation of this debt and the letter was returned to me - no mail receptacle unable to forward

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I am still having a problem with Bank of America remodifcation loan applied due to medical conditions 100 % XXXX Veteran. I have all documents sent numerous times via fax and XXXX never processed. 
Promissory estoppel Appelliate Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Document XXXX Filed XX/XX/2016 CFPB Complaint Number XXXX XX/XX/2016 Bank of America account ending 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 2018-03-23 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: IL

Complaint narrative:
A XXXX XXXX XXXX collection appeared on my bureau debt was paid directly to hospital and nothing is owed to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient directed me towards multiple deferments and forbearances and I believe that this was done in a misleading or disadvantageous way to me. Periods of deferment/forbearance include but are not limited to XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX I feel that there were better options that could have resulted in low payments instead of these excessive forbearances and deferments. This has come to light as I am applying for student loan forgiveness and was shocked to learn the number of months I had actually spent in deferment/forbearance, which do not count towards the 120 payments to get loan forgiveness, whereas if I had been steered towards income based repayment plans with payments as low as {$0.00} I would have been able to count many of these months towards the 120 payments. I feel that I was misled away from these types of payments and towards these excessively lengthy holds on payments. I also feel that it was not properly explained to me up until very recently, summer of XX/XX/XXXX, that any and all income based repayment plans are not meant to have the loan ever be paid off but rather forgiven instead.

Company response to consumer: Closed with explanation