vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/19 Contacted Capital One Dispute Resolution to file a dispute against XXXX XXXX car for the amount of {$750.00}. During the call the Agent could see that a credit for that amount from XXXX was pending and advised us to hold on filing a dispute to let the credit clear which we agreed and cancelled the dispute with the agent. 

XX/XX/19 The credit from XXXX XXXX for {$750.00} cleared our account. 
No further action taken on our end. 

XX/XX/19 a Rebill charge from Capital One appears on my statement for {$710.00}. Upon calling Capital One I am told by the Transaction Manager that our dispute was never cancelled by the agent, a mistake on their part, and that a credit was issued to my account in XXXX ( back dated to XX/XX/19 ) but showing up on my XXXX statement for {$710.00}. 

Upon questioning why this fraud credit was issued by their agent and not removed right away there was no response other then they have 90 days to resolve a dispute. There was no dispute. The agent did not have my permission to place any dispute, nor did they have reason to as they could see the credit pending in the system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV FUNDING LLC has been been contacted numerous times, 6 to be exact, over the last 3 years regarding requests to verify two debt amounts they purchased after they were bought from a previous creditor, just before the statute of limitations would have made these debts unable to pursue. The debt amounts listed on my credit report are {$900.00} for XXXX XXXX XXXX and {$590.00} for XXXX XXXX. I have sent a total of 6 letters requesting verification of these accounts and have placed multiple calls, the last being Monday XX/XX/2019. 

At no time have I been contacted by this company regarding these accounts despite the fact they continue to update and claim the debts are still owed. During phone conversations, verification of debts owed are promised but never received. I am always told that the information regarding specific dates are not readily available to be given on the phone and would be included in the verification of debt they would send to me. Again, no letters have ever been received. 

These debts are past the statute of limitations for collections and have been disputed through XXXX and XXXX  multiple times. However the creditor continues to provide false information to keep these debts on my report, severely damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: CT

Complaint narrative:
PNC Cash Rewards Visa Signature Credit Card from PNC Bank : I got an offer from PNC Bank to apply for the card. My personal reservation number was XXXX. The promotional terms were : If approved, you will earn a {$150.00} monetary credit on your statement after you have made {$1000.00} in purchases during the first " 3 billing cycles '' following account opening. 

The first billing statement I got was mid XXXX. The third billing statement was in XX/XX/2019. I made the required {$1000.00} purchases before the end of XX/XX/2019. PNC bank did NOT generate any billing statement in XX/XX/2019, either online or by mail. Now they are saying I was supposed to make the purchases within 90 days of account opening, not 3 billing cycles. This is not the offer was, where they said within 3 billing cycles the purchase of {$1000.00} needed to happen. 

I never received that {$150.00} promotional credit and I was told by their rep on XX/XX/2019 that I will not get the credit as I did not make the purchases within 90 days. Please refer to the attached screenshots for what the offer said during account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, I filed for a loan with Prosperity Mortgage, my closing date was XX/XX/19. I was told they had the information they needed to meet closing but everyday they needed more.I talked to XXXX XXXX XXXX and XXXX XXXX the day before the closing and was told that nothing could be done with out all paperwork specified in the email. My parents gave me money for the closing and they said they needed a copy of the check and the statement showing it coming out of the account. I sent the information XX/XX/19 and they said they needed my parents 30 day transaction history ( I sent a letter to vacate on XX/XX/19 for my apartment ). My parents were not willing to give it to me. When I told him XXXX he said if I didn't get it he could not do anything because it was a federal loan and he didn't make the rules. All emails they sent said the loan was contingent on my parents statement that they would not give me. If I could not get it the loan would be denied. That being said I argued with my parents and gave them back the money. 

Now they call after I told them I gave the money back and talk about the seller suing me for being denied on the loan because they said I dropped out for personal reasons. 

LOAN ID # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc.
State: RI

Complaint narrative:
I have even blocked this companies number after they didnt stop but they then started calling from a different number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I am filing this complaint against my mortgage servicer Loan Care/ XXXX XXXX XXXX  for committing DUAL-TRACKING. Presently, Loan care has my complete loss mitigation application under review, I attached a letter dated XXXX XXXX, XXXX from Loan care confirming my loss mitigation application is complete. I just received notification that a foreclosure complaint has been filed against me with Superior court of new jersey XXXX county on XX/XX/XXXX. Per CFPB article dated XX/XX/XXXX CFPB Rules Establish Strong Protections for Homeowners Facing Foreclosure, Loan Care/ XXXX XXXX XXXX  is in direct violation by filing this mortgage complaint against me. 

Please see attached loss mitigation letter from Loan care and foreclosure complaint filed with the State of New Jersey. 

Loan care has committed DUAL-TRACKING. Presently, there is an loss mitigation application complete and under review with Loan care, no decision has been made or either an option for me to appeal the decision. Loan care has committed dual-tracking filing this complaint while loan modification/loss mitigation is pending review. I attached all documents to this complaint as proof. This is clearly a direct violation by Loan care and I want to pursue legally. 

I am filing this complaint to help stop this from happening to other people specifically dual-tracking. Please help 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 2019-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
My Perkins Loan, which I took out as a student at XXXX University in 2010 was wrongfully submitted to a debt collection agency. All of my loans are consolidated and I make monthly payments to it through XXXX XXXX. For some reason, this was not included in that. However, XXXX never reached out to me to make a payment to this loan and marked it as delinquent and submitted it to a debt collection agency. When I was contacted by this agency, they had added quite a bit of fees to it. In addition, it harmed my credit score. I tried to reach out to XXXX to resolve this issue and after bouncing from several different places ( I was always forwarded to a different contact that could " potentially '' help me with the issue ) I was told that the only way this could be resolved was if XXXX withdrew the submission from the debt collection agency. Since that point ( about 3 weeks ago ) I have been trying to reach someone at XXXX to resolve this issue so I can pay the loan in full and work on fixing my credit. However, they keep telling me someone will reach out to me with an answer and I never receive an answer from them. I have tried to reach everyone I can at XXXX and at this point, I am simply trying to figure out how I can have XXXX help me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: OH

Complaint narrative:
Between 2007 and present day, I have paid my student loan payments. As a XXXX in a XXXX school in Ohio for the past 13 years, I expected to now qualify for loan forgiveness. I have come to learn that I was LIED to for years about having been " on track '' for student loan forgiveness from the various servicers on my account. It is beyond disgusting that the federal government would permit these companies to provide deliberately misleading practices and information that would harm public service workers and cause them to encounter denial for forgiveness. It is no wonder the denial rate is 99 %. These predatory companies KNEW that they could get away with ripping us off for years since it wasn't until the 10 year mark that their deliberately deceptive practices would be discovered. Please do something to help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: TX

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX/XXXX- {$1300.00} XXXX XXXX XXXX- {$490.00} XXXX/ XXXX XXXX- XXXX XXXX XXXX {$18000.00} XXXX {$6900.00} XXXX XXXX {$2100.00} XXXX XXXX- {$4400.00} XXXX- {$1100.00} XXXX XXXX XXXX - {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2019 I attempted to purchase XXXX tickets to the XXXX/XXXX game in XXXX from two separate individuals and was scammed by both. The first did not send any ticket through XXXX as promised and the second individual sent scanned tickets through email that when I got to the XXXX stadium ( XXXX XXXX ) I was told they were not authentic. Both individuals blocked my number and would not answer when I called from a different phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid XXXX in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that XXXX has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with XXXX financial to no avail and I now need help from their regulator.

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 2019-10-23 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid XXXX in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that XXXX has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with XXXX financial to no avail and I now need help from their regulator.

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 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
FRANKLIN COLLECTION SERVICES is reporting a collection on my credit report that does NOT belong to me. Numerous attempts to request Franklin collections to validate this account were ignored and instead they are now calling non stop and demanding personal information instead of proving to me that they have the right person they are trying to plug in the ss # and other sensitive data of a consumer which they don't have in first place. Don't they need to be a law firm to  threaten to send sheriffs to the house and why are they allowed to call at 4 or 5am. this is a total violation of FCRA AND FDCPA ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX/XXXX- {$1300.00} XXXX XXXX XXXX- {$490.00} XXXX/ XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX {$6900.00} XXXX XXXX {$2100.00} XXXX XXXX- {$4400.00} XXXX- {$1100.00} XXXX XXXX XXXX - {$550.00}

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 2019-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX/XXXX- {$1300.00} XXXX XXXX XXXX- {$490.00} XXXX/ XXXX XXXX- XXXX XXXX XXXX {$18000.00} XXXX {$6900.00} XXXX XXXX {$2100.00} XXXX XXXX- {$4400.00} XXXX- {$1100.00} XXXX XXXX XXXX - {$550.00}

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 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX/XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
On XX/XX/2019, I noticed that there was an inquiry to my TransUnion report. The inquiry was submitted by XXXX. 

XX/XX/2019 at XXXX XXXX ( Hawaii ) I called XXXX at ( XXXX ) XXXX to address the concern that someone fraudulently is using my information to open an account. The woman said that there was most likely a mistake that someone " entered something wrong '' and that there was nothing they could do, and that there was no way for them to track who did it. 

I've never had a XXXX account in my life. This inquiry should be removed from my credit report, as multiple inquiries can affect your score and the obvious fact that this was someone else ( fraudulent or " mistake '' ). 

Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019 I attempted to purchase XXXX tickets to the Broncos/chiefs game in XXXX from two separate individuals and was scammed by both. The first did not send any ticket through XXXX as promised and the second individual sent scanned tickets through email that when I got to the XXXX stadium ( 1.5hr drive ) I was told they were not authentic. Both individuals blocked my number and would not answer when I called from a different phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX - Assistant Vice President in XXXX XXXX, OH for Homeside Financial messaged me about getting a lower interest rate on my mortgage. On XX/XX/XXXX, I told him I would be interested but only if a credit check would not need to be done as I just purchased a new vehicle and did not want another hard pull on my credit report. He leaves me a VM and text on XX/XX/XXXX stating he had a few questions for me. I responded stating I received notice just before his call that a hard credit inquiry for a refinance was conducted without my permission. He stated it allowed for 45 days to get quotes from other lenders without any other hits. After collecting financial info on the XX/XX/XXXX, that is the last I heard from him despite daily texts from me asking for updates. My biggest issue was pulling my credit without authorization which resulted in my score going down even more and then ignoring my questions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I made over 8 payments of XXXX not 4 like you previously stated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
About a refinance application to my existing mortgage with interest rate of 7.5 % I tried several times in the last two years to get a refinance lowering the rates to at least 3.8 % but were not successful due to false credit reporting by the present lien holder Specialized Loan Servicing. They reported that I was 30 days late in payments each month, from XX/XX/2019 to the present according to the credit reporting agencies. Before this loan was sold by XXXX to this company I never had a derogatory credit report and my FICO scores run from 600 to 750. I never missed a payment maybe 10 days late but not consecutive 30 days late each month. As I spoke to another mortgage originator today. I was told about this problem. I have statement records of payment from where my account is which is XXXX XXXX  that will show I never missed payments to this mortgage. 
I really wanted just to refinance and lower the interest on the loan which is extremely high and I could not get it due to this company 's false reporting to the three credit bureau.

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