vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
Phoenix Financial Services ( PFS ) called me in XXXX asking for payment on a auto loan that was repossessed in XXXX. After talking with the rep I told them I had no intentions of paying the debt and the call was ended. A few weeks following the call I pulled my credit reports to get updated information and I saw that PFS had placed a new account on my credit reports on date XXXX dropping my FICO score of 28 points. I called the company after reviewing the information on my reports and explained some of my concern with the rep that took my call. She informed my that she would get a manager on the phone with me. I was then transferred to a manager/supervisor. He asked me to verify some information for him and some of the information he had on his file was incorrect such as my date of birth .After asking this information he stated that the debt isn't " new '' but that the date the account shows on my credit report must be the date they received the account. He did not even see that they had placed anything on reports, at which point I advised him they had and he needed up to date information. I asked the manager if this was a example of aging an old debt, and he advised me that no it was not, and once ( if ) the account leaves their office it would be removed from my reports. I then explained the original account from XXXX is now going on four years old and according to my reports it now looks as if this account just happened last month. He then stated they are here to help me get it off my reports by offering me a settlement. After rejecting this offer, he then said the call was wasting both our times, and I should seek legal representation. I then ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One ; Reservation # XXXX ; access code XXXX ; Applied XX/XX/XXXX ; We received an unsolicited offer from Capital One. We use Capital One 360 since XX/XX/XXXX, and had a credit rating of XXXX at the time of the call. 

After multiple questions from the agent in XXXX, we were denied the offer. We complained at once. When we asked if this was a scam, the call was disconnected. A call to Capital One 360 got a response of " different subsidiary and not them. '' We are concerned about fraud and unscrupulous practice by Capital One. 

OnXX/XX/XXXX, our rating wa reduced to XXXX. The agency issuing it says it was reduced by 4 points. Since it was XXXX, the deception continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: NJ

Complaint narrative:
The medical bills were paid off. This company tried to state I still owed funds. I showed proof it was paid off and it was XXXX off my report. Now they are coming up with another amount that is owed. You can check in the passed few months of what occurred to show proof that it has been paid. When I spoke to the company they were very rude about the situation and was unprofessional about resolving the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been attempting to claim my annual free credit report from, Experian, XXXX, and XXXX on annual credit report.com and after filling out my infomation it told me that It could not verify my identity and that i would have to mail my information to the po box of the bureau and I have not due to fear of the information i have aready lost and even greater fear that my identity may have been compromised I have tried to get my free report multiple times but to no avail.

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 2019-06-26 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: NY

Complaint narrative:
I have loans and credit cards listed on my credit report that I have no knowledge of. Someone has been using my credit before I even got the chance to. I never gave anyone access to any of my personal information. Below are accounts XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00}

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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Hi, on XX/XX/2019 i sent a letter to Experian asked them to send me copies of any contract or documents they have on their files with my signature on it as my right per the FCRA. I do not recognize any of those accounts, contrary to my request they open a dispute process. I asked them to delete any unverified items on my file and they have refused. The letter was received via certified return service receipt on XX/XX/2019. They responded to me saying that all of those accounts are verified as accurate. I sent another letter to them on XX/XX/2019 telling them for the second time to them to please send me proof of the investigation they did where they proof those items belong to me as my right per the FCRA section 611. That is the second letter i sent them begging them to send the information that they used to " verify '' those items on my credit file. Also they told me to contact the original creditors which i also did on XX/XX/2019 and none have responded to my letters asking them for any document where i signed any piece of paper or contract with any of those companies. please tell them to send me the proof that they investigated those items and HOW they investigated or delete those unverified items from my credit file which are hurting my ability to obtain credit or delete those unverified items.Attached are copies of the first and second letter i have sent them

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 2019-06-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : TOYOTA MOTOR CREDIT, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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:
I should not have XXXX  or the 2 XXXX  XXXX accounts on my report.

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 2019-06-26 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: NY

Complaint narrative:
I have loans and credit cards listed on my credit report that I have no knowledge of. Someone has been using my credit before I even got the chance to. I never gave anyone access to any of my personal information. Below are accounts XXXX  XXXX  XXXX  XX/XX/XXXX {$1700.00} XXXX XXXX  XXXX/XXXX XXXX XX/XX/XXXX {$600.00} XXXX  XXXX XXXX  XX/XX/XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: NY

Complaint narrative:
I have loans and credit cards listed on my credit report that I have no knowledge of. Someone has been using my credit before I even got the chance to. I never gave anyone access to any of my personal information. Below are accounts XXXX XXXX XXXX   XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00}

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 2019-06-26 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: UT

Complaint narrative:
I have Contacted the department of education to investigate my student loan the for profit school that illegally got me into it under the lie that my credits where accredit and I could transfer into any school with also my master promissary note that didn't have my signature on it it wasn't mine it was electronic and I signed all my financial aid work at XXXX XXXX   failed to provide my original promissary note. Yet they continue to report to the credit bureau during an ongoing investigation that according to the news in the paper could last year 's and in the process there during destroying my credit

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 2019-06-26 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: FL

Complaint narrative:
Some one has use my social security and got school loans from the Dept of Education/ XXXX . I  contacted them about this. They been giving me a run around.It been over 5 years. They never respond.

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 2019-06-26 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: MO

Complaint narrative:
I should not have XXXX or the 2 XXXX XXXX accounts on my report.

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 2019-06-26 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: MO

Complaint narrative:
I should not have XXXX  or the 2 XXXX  XXXX accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i am not making complaint against capital one.i made a dispute against XXXX where i bought something XXXX and on XXXX decided since there was no parking lot at the hair salon which i did not find out until after the 3 days of the refund policy passed. i must add their refund policy is not clearly discernible on their site. at the time of purchase. tehy refuse to refund my money on card ending XXXX of XXXX dollars.they stand by their 3 day return policy i know once they send you their policy you will rebill me but the fact i did not know the policy it was not clear or represented on purchase page and the merchant did not reveal there were only parking meters until after 3 days passed is important. i want and demand a refund from them. i will never use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
SLS is charging opaque fees with no prior disclosure and has abusive, predatory lending practices. My loan was transferred to SLS from XXXX ( where I had AutoPay set up ) after XX/XX/2019. I set up an online payment for SLS to include an extra principal amount of {$30.00} and also set up AutoPay for future payments. After the first month, I see my extra principal payment was never credited to principal but instead held in a " suspense account ''. I also see I am charged for a pay off quote but there is no disclosure on any space of the SLS website for this. I call SLS on XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX speaking to XXXX, XXXX and XXXX respectively to get 1 ) my payments set up properly ; 2 ) my extra principal moved from the suspense account 3 ) rectify the mysterious pay off quote -- and I am told in each circumstance that the extra principal will get applied correctly. I am also told that the pay off quote issue was a well-known issue by management and that they were trying to fix this -- even though this fee is still on each bill after I call. In early XXXX, I receive paper mail advising me that my ACH is cancelled and my loan is in default. I have owned this home for 15 years and have never been delinquent on payment. I have called and called and called to no avail. The customer reps provide me with different responses on what is happening with my account, XXXX promising a return call, but none of my issues going resolved. In looking at CFPB complaints against SLS, I see this pay off quote is a common issue. I also think cancelling a customer 's Autopay is predatory -- especially if this is a systemic practice -- why would you cancel my Autopay when I am trying to pay my bills? And then charge me a late fee and all sorts of other fees after SLS cancels ACH? On top of that, their website does not work, always asking me to verify the exact same info I verify in each log in then not allowing me to continue. I am at my wits end trying to fix this with SLS. Please 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 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
On XX/XX/2019, I received a letter from Barclays regarding a card called XXXX, alerting me that there was an issue with my card/account and I should contact the company immediately. 

I never signed up for such a card, nor do a possess a physical card by that name with the account number ending in XXXX. I sent Barclays a letter dated XX/XX/2019 letting them know that I never signed up for their XXXX card and that I suspected my information was illegally transferred from a previous account I had through XXXX XXXX/Barclays. XXXX changed service providers and that account was closed. In my letter I stated that I would be submitting a complaint to CFPB if they did not send me something in writing saying that this fraudulent account would cease and desist. 

Barclays has continued to send me letters about this account and also continued to make claims that I did not pay an annual fee for the card. I recently received such a letter dated XX/XX/2019. 

I am concerned that this fraudulent activity being committed by Barclays may be negatively affecting my credit. They are impossible to speak with by phone as their agents seemed to be trained on how to continue with company endorsed fraud. Please 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 2019-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NM

Complaint narrative:
XX/XX/XXXX : Approved for In-School Deferment from XXXX XX/XX/XXXX : Received correspondence that a payment in the amount of {$230.00} due on XX/XX/XXXX XX/XX/XXXX : Called and spoke with a representative about this error, notified that nothing has changed with my enrollment status at the University of XXXX XXXX ( XXXX XXXX for summer semester ). Put account under review, was told not to take any action and that no new paperwork needed to be submitted. 
XX/XX/XXXX : Re-uploaded copies of emails, enrollment status from XXXX, and emailed asking for written confirmation that my account was under review and that no action was necessary on my part, and that I would not be penalized as the borrower - ex : accrued interest, negative impact on credit, eligibility for PSLF Program, eligibility for future in-school deferment, etc. 
XX/XX/XXXX : Called and spoke with another representative who stated that my account was put under review again and would put my account on a 60 day deferment based on this issue and the time it was taking to be resolved. I would see a change in my log-in notifying me of this on the FedLoan webpage in 5-10 business days. 
XX/XX/XXXX : Fedloan Servicing responds to email sent on XX/XX/XXXX, stating that their " records indicate that I was in contact with their office on XX/XX/XXXX and received assistance regarding the inquiry of your email. '' XX/XX/XXXX : Email from FedLoan Servicing reminding me that my student loan payment was due, in the amount of {$230.00}, on XX/XX/XXXX. 
XX/XX/XXXX : Log in to FedLoan Servicing account to see that new balance owed has shot up to {$460.00}. Emailed FedLoan Servicing with another request for written confirmation that my account was under review, and would not face any penalties as the borrower due to an error on the part of FedLoan Servicing. Inquired as to why amount owed has shot up to {$460.00}, when this account is supposedly frozen and under review. All statuses on existing loans on this account read " DELINQUENT ''. 
XX/XX/XXXX : Filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC is guilty in acting as a foreclosure mill and denying legal right to avoid foreclosure. At issue is a foreclosure sale date on XX/XX/19. PNC has received documents from my new lender stating they are paying off PNC in roughly two weeks and they need a foreclosure postponement. PNC is refusing to postpone and continues to request additional docs on top of the docs provided that are sufficient. As you will see on attached docs lender has approved the loan, all conditions met and close date has been set with closing disclosure. They are requesting a hud from a " title company '' when in CA title companies don't provide huds, escrow offices do. This is financial negligence on behalf of PNC and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Owe XXXX a debt of little over {$700.00} which is currently on my credit report. Received an alert on my credit that a company name Credence opened a new account. Contacted them to dispute it because I had no business dealing with them. They stated they are a third party collection for XXXX. Never received any documentation from them and now they are hitting my credit twice for the same exact thing. I asked them to remove themselves off of my credit being that I do not have any dealings with them and XXXX is already on the report. He stated that he understands and once I pay XXXX both will come off. They need to be removed asap and not able to just hit someone's report twice.

Company response to consumer: Closed with explanation