vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureau is incorrectly reporting a " XXXX XXXX '' account on my credit report. According to my credit, it was opened in XX/XX/XXXX for a debt of {$1300.00}. The account number is : " XXXX ''. I have never had any business dealings with this collection company. I do n't know who they are or why the credit bureau is reporting that I have a debt with them. This is not the first time I have disputed this account, I have sent written disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this removed but time after time, the credit bureau has dismissed my disputes as frivolous and they refuse to remove this from my credit. I want to add that XXXX has no record of this account. When I sent the same dispute, it was confirmed that the account did not belong to me and was promptly deleted. How can there be a different result for the same investigation between XXXX and this credit bureau? This does not make sense. This is why I am taking my complaint to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 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: CITIBANK, N.A.
State: NC

Complaint narrative:
This is a strange complaint that did n't completely fit into the categories noted. I finalized a difficult divorce on XX/XX/XXXX. As part of the divorce I agreed to pay for a {$25000.00} debt to a credit card company.
<P/>
On XX/XX/XXXX I contacted the credit card company several times. I asked about setting up a payment plan to address this debt. I also wanted to get this debt resolved as I have three pending Parent Plus loans for a set of triplets ( going to three different colleges ). The U.S. Department of Education had declined me for the loans until I could set-up a payment plan for this one company. <P/>On XX/XX/XXXX when I talked with three different representatives, they told me that they could not talk to me about a payment plan as I was at " day 159 '' and had to wait until XX/XX/XXXXwhen I was at " day 180 ''. I have no idea what this means except maybe they are going to charge me more money on " day 180 ''? My credit is damaged from this, and they will not assist me at all. I even asked for a letter on company letterhead to send to the U.S. Department of Education/Financial Aid folks - and the credit card company has refused.
<P/>I am now a single parent, and my credit is damaged and my XXXX 's college loans are being held up due to this company. I 've never heard of anything like this happening. And, I 've been a client of the company for over 20 years. <P/>I need some help as my kids college has to be funded by the end of XX/XX/XXXX. As I told the credit card company, I was much happier to be making payments to them to take care of the debt versus having to start making large college tuition payments. <P/>Please help me with this situation.

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 2017-07-07 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: Home Loan Center, Inc.
State: GA

Complaint narrative:
I recently went on lending tree to get some quotes about car re-financing and they ran my credit without my knowledge and brought my  credit score d own. I spoke to them several times and I have not received any feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
My husband non citizen/legal resident was pre- approved for a FHA mortgage through his bank. ( US Bank ) we even checked with FHA.gov beforehand regarding his immigration status to make sure he fit the criteria, and they assured me as a Legal Non Permanent Resident on a Work Authorization he did. US Bank declined him in underwriting after we told them this and submitted copies of his visa, drivers license, work authorization, etc. Saying because of his Visa Type could not verify residency for the mortgage address so he was declined. A few days later. XXXX XXXX approved us for the house FHA mortgage and we closed on our loan with the exact same paperwork and no delays. US Bank discriminated against my husband because of his national origin. After our first mortgage payment we got a letter stating US Bank bought our mortgage and will be our new servicer, so in the end they ended up with our loan! However discriminated againsy my husband with a denial because of his national origin. US Bank should be sued for clear discrimination, this caused us so much unnecessary stress and harm in the home buying process.

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 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
3rd COMPLAINT Ref Complaint # XXXX XXXX Numerous requests to PNC to stop sending credit card offers in the mail have failed. Was assured by PNC by phone and by complaint # XXXX that I will not receive offers to my address. <P/>Please see previous complaints for additional documentation. <P/>> This is the ONLY bank that does not remove this address from their marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Ally Financial continues to call me several times a month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to collect on a debt that is the responsibility of my ex-wife. They have called my acquaintances asking about her and asking to collect on her debt. I have explained the situation to them many times and asked them to stop harassing me and friends of mine. They are very rude, hostile and abusive. <P/>I never signed a contract for this loan, it was completed by my ex who has lived in a different state for several years. Ally did not do their due diligence in approving a loan without my consent, signature or knowledge of the loan. They did not question the identity of the person who signed the loan.

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 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Credit Card account ending in  XXXX .   This complaint is due to improper communication from capital one to me regarding the balance of my account I did not have any balance on the account after m last payment o n XX/XX/XXXX   .Capital on e charges me {$2.00} interest charge, and I never received a call or mail regarding these accusations. This charge leads to a {$2.00} late fee. When I contacted capital one again  in  XX/XX/XXXX  to obtain  info about my account, I learned that they restricted my account, and that plays a major issue in my credit history. I did n't get any mail of my billing information from capital one ; if I did, i would have paid the interest charge of {$2.00}.   Capital one did not inform me of those charges in any form or way. They send me any information regarding these accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a loan for {$18000.00} through XXXX XXXX. I received several offers. Sofi offered me a 7 year loan with a 10 % interest rate. These were the best terms I received and so I chose to move forward with this company. After having them run my credit and checking my pay stubs they came back with worse terms than other competitors had offered. I spent the last week going back and forth with them and my Human Resources department to provide them the further income documentation they said I needed for them to follow through on the loan terms they had offered on XXXX. After providing them everything they asked for they once again gave me the same loan they originally offered. Essentially I was given the run around in an attempt to wear me down and accept the actual loan terms they always intended to give me which were not the terms I was lured into their company with. Essentially, this is a classic bait and switch situation. I am not taking their loan and hope that filing a complaint here will shine a light on this company 's dishonest business practices so as to spare other borrowers from the same deceptive trap I fell into. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In late XX/XX/XXXXI was laid off and that carried over into XXXX. Laid off for the first time in my 12yr+ working career. I was struggling to make ends meat and to pay my bills on time. However, I call Navient and they basically said there was NOTHING they could do to assist me and that I should just continue to pay my bills on time. This did NOT sit well w/me as I struggled around the holiday time. <P/>Well, now I would LOVE to have my interest rate lowered for my current student loans, forgiven, or refinanced. That is my end goal here. I owe approximately $ XXXX and my projected payoff year is XXXX. I have called about this and Navient does n't seem to care or even willing to help instead they respond to me by telling me my next due date. <P/>Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is always able to provide the report for XXXX or XXXX when I request it. For Equifax it seems I am unable to even access the report. Each time I request it I can NOT get my report. Security questions clearly include information that is not mine. I am unable to dispute it because I am unable to get a report to see what is on it. How do I get a report when the security checks do not allow for the right person to provide their correct information? What would it take to get a copy of the credit report from Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My account Payment History from  XXXX  was disputed, as it was erroneously reported that I was 90 days late. I wasnt 90 days late, as I was in forbearance. I sent in evidence and you confirmed w/ the  XXXX , that my account was in forbearance AND not 90 days late. Attached are screen shots from my credit report today and that on   XX/XX/XXXX . Notice  the missing payment history.   XXXX  Please correct my payment history that was removed. Payment history is 30 % of my  credit score a nd its accuracy is most important. Payment History from   XX/XX/XXXX   and  XX/XX/XXXX  is missing!

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 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to 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 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was contacted by synchrony bank concerning  a TJMAX credit c ard that was due, They agreed to remove all account information for my credit report once the check was cashed. On  XXXX / XXXX /   2016  the check was cashed I have called on several occasions to have the acct removed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I HAD FRAUD ON my credit card they refused to credit my charges even though i filed a police report and i was in XXXX when this fraud happened so i filed a complaint with the cfpd and when i filed the complaint they closed my account according to XXXX at the XXXX XXXX branch, he told me XXXX some lady closed my account because i filed a complaint, im pretty sure this is illegal and its retaliation for me coming to you guys to file my 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 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shermeta Law Group, PLLC
State: OH

Complaint narrative:
On XX/XX/XXXX I contacted Shermeta Law Group, LLC regarding two credit cards with XXXX. I set up a payment arrangement to pay {$100.00} to each of my two accounts every two weeks. I told them I could make my first {$200.00} payment ( {$100.00} on each account ) on XX/XX/XXXX and I was asked for my bank account info and then told I would need to call on the 30th to make the payment. I called on XX/XX/XXXX to make the payment and then when I checked my bank account on Monday, XX/XX/XXXX, I saw that two payments of {$200.00} had been deducted. I contacted my bank but was told they could n't do anything until the payments actually posted. I contacted Shermeta on XX/XX/XXXX and was told I would be given a refund. I was told the reason 2 payments were made was because one was set up as an automatic payment and I called and made the second payment by phone. Apparently their payment system does n't list pending payments and the only way the representative would know it was there is if she reads the notes on the account. If I did n't know that other payment was set up, I would not know to tell her to read the notes! I still have n't received the refund, have received overdraft fees of {$36.00} because of it and have had money needed for other bills held hostage because I work in a XXXX XXXX and ca n't spend every day trying to call them. I called them again today, XX/XX/XXXX, but they close at XXXX XXXX and I could n't call until my lunch break. I am still without the money and even though I have disputed it with my bank, that can take 45-90 days to resolve. I just want the refund I was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc.
State: IL

Complaint narrative:
Hi, I received a letter from a collection agency ( Account Control Technology ) in regards to an account they claim I have with XXXX University. I have never attended or applied to this school. On XX/XX/XXXX, I requested a validation of debt, via mail. On XX/XX/XXXX, they sent me an account statement. This account statement appears to claim I was enrolled in the school for the Summer XX/XX/XXXX quarter. This claim is absolutely false. On  XX/XX/XXXX, this account was added to my credit report. I have disputed this claim with the Credit Bureaus. <P/>This is not the first time this school has tried to collect money from me. I have gotten this account removed from my credit report two times : XX/XX/XXXX and XX/XX/XXXX. This debt keeps being re-inserted under different collection agencies. <P/>I have no knowledge of this account and have never applied to nor attended this school.

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 non-monetary relief
Consumer complaint received 2017-07-07 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/2017 I tried to access my Experian credit report under the FCRA due to been denied credit and after providing my information I was denied access to see what is on my report and if there was anything I needed to correct.

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 2017-07-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MA

Complaint narrative:
In the beginning of the year of 2017, I received a call from Macy -AMEX Department Stores about a suspicious purchase. I confirmed I did not authorize the purchase. The account was closed and a new account number was opened. I was instructed to check my monthly statement when I receive it and to call if there were any other transactions I did not authorize. As soon as I received my statement, I called to explain I did not authorize a transaction that was posted to my account. However, the company although already aware these transactions were not authorized by me continued to accept these purchases. I have spent numerous hours trying to work with the company to correct these issues however, they have now affected my credit score and ruined my credit history.

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 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NM

Complaint narrative:
I have multiple charges for  XXXX  declining fees when I have n't used this card in months!!!! I want t dispute the charges and decline whoever is charging on my card.

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 2017-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
Professional Credit Management continues to report a debt on my credit profile after I have disputed the account asking them to validate it is my account. They failed to validate the account with my social and my signature. They sent me an itemization showing what procedures were done at XXXX ( HIPAA violation ). I have no knowledge of the account so I asked for these pieces of information ( social and my signature ) to validate that it is actually my debt. The first letter was sentXX/XX/XXXX and the second one in XX/XX/XXXX. I have even offered to pay the amount they say I owe if they would remove it from my credit profile inXX/XX/XXXX. That request was denied.
I 've included an attachment to show when this account was opened. You will also see the remarks that shows I have disputed this. The opened date of XX/XX/XXXX also puts them outside of Arkansas Statue of Limitations for Medical Collection : Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).
I have not paid anything towards this debt and continue to go back and forth with them over an account that is being reported outside of my state 's statue of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ) .The lender is refusing to review the client file - the package for review has been faxed 2 times and they are stating it was never received - this has been faxed again today, but they are stating it is not 37 days prior to sale and a review can not be completed.

Company response to consumer: Closed with explanation