vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-06 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: Pioneer Capital Solutions Inc
State: MD

Complaint narrative:
PIONEER CAPITAL SOLUTIONS {$1000.00} There is no valid claim, no contract exist ... account was settled with original creditor by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX {$1000.00} There is no valid claim, no contract exist ... account was settled with original creditor by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not  be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Wanted to pay off {$4000.00} towards my auto loan. The problem with PNCs website is that it doesnt allows you to pay the amount towards principal only. So I called their customer service ( around XXXX   XXXX ). The lady over the phone tells me that now theres a checkmark on the payments webpage of their website that lets you pay towards the principal only. I hung up only to find out theres no such option. Called back again and another lady tells me the same. I stay with her on the phone asking her to navigate me but she fails to find that option. So on two occasions, they gave incorrect information to the customer. Now comes another interesting part. I visited a branch on XXXX XXXX to try to accomplish what I was trying for. Around XXXX, a male and female banker were in the bank. I clearly tell the male banker that I would like to pay {$4000.00} towards my auto load principal amount only, explaining him that it didnt happen few months ago when I visited the branch and had to call in to fix the issue. The Banker says no problem, thats what I did. I again asked for a confirmation with my wife standing next to me and this banker seems way too confident and said it should have been applied to the principal only. Next day, I login to my account and see that a portion of the money was applied to interest. Incredible! This bank needs to shut down for sure. I have another complaint opened up against them and I havent heard back. I will call now to get rid of that interest amount. Why would someone pay {$4000.00} towards the remaining {$5600.00} loan and ask for it to be applied to interest as well is beyond my scope of understanding. This is clear case of giving false information to the customer and deceiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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:
IVE TRIED CALLING XXXX TIMES REGARDING THE INQUIRES THAT ERE DONE FRAUDULENTLY TO HAVE THEM REMOVED AND TWO ACCOUNTS AND THEY ARE REFUSING TO HELP ME THAY JUST STATE THAT THE INQUIRES WILL COME OFF IN 2 YEARS AND TO CALL THE COMPANIES AND HAVE THEM REMOVE THE 2 ACCOUNTS EVEN AFTER I INFORMED THEM THAT I WAS A VITUM OF ID THEFT!

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 2019-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, I received an email notifying me that my account had been temporarily restricted due to irregular activity. The email stated that the issue would be resolved following a review within 7-10 business days. I contacted the bank several times over email and phone to attempt to resolve this issue. I offered to provide any information that would assist with confirming the validity of my account activity. I reminded the bank that this is my primary checking account, and not having access to the account for any period of time is considerably costly to me. And I asked to be regularly informed about the status of my case. Bank representatives told me on multiple occasions that they had requested an expedited review process for my account. However, the 10-business-day deadline has now elapsed, with no communication from the bank on the status of the review. My account remains inaccessible, and my debts are piling up. 

While I can understand the bank 's interest in reviewing accounts for fraudulent activity, I find the bank 's handling of this issue to be considerably prejudicial to the consumer. If the bank does not have the capacity to process reviews in a timely and transparent manner, it should not be in financial services business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2014, XX/XX/2014, XXXX XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XXXX, XX/XX/2014, XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
Good morning, I get into the XXXX XXXX  class program enrollment at XXXX XXXX through my SSN. 

the XXXX XXXX XXXX 0 % APR program, XXXX XXXX XXXX I don't know exactly amount what I get the student loan, and the next day I get approved, I do the ACH payment each month XXXX. 

on this year, I think the I am under the {$3300.00} what they advertised on their website, but this year XXXX I have payed over {$3300.00}, so I call them, they said I have over {$4000.00}, and I need pay extra {$1300.00} around. they don't applied my student discount, and give me the full maximum payment, and I don't know why they do that. 

Those couple of days, they said the XXXX billing department, I think is XXXX XXXX on XXXX XXXX, IL. they said they don't have my ACH account, and I have another Loan under my name at XXXX XXXX, which is two month ago. 

I never have multiple loan with them, they have the potential student loan fraud. I ask them about the tax document last year, they can't provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: WV

Complaint narrative:
I contacted Equifax on XX/XX/2019 at XXXX XXXX and spoke with XXXX due to an unauthorized address change in my credit report for your bureau only. After going through the authentication process and approved, I found out that a lender had changed my address in my personal information. When asked what lender changed my address, XXXX informed me that she did not have that information. I also questioned how a lender can just change my personal information without going through a process such as I did and how a lender could change my personal information. I was also informed that she did not have that information. I was then informed that I have to write a letter, make copies of more of my personal information and send it in to get my address changed back to the place that I have lived for 10 years when I did not authorize the change in the first place. The credit bureau never contacted me. I only found this out because I have XXXX XXXX protection services. 

I feel it is a violation to allow any company or other individual to change my address without personally contacting me first and for it to be extremely difficult to correct my own information. I really do not understand how this is acceptable. I sent a letter to Equifax about the issue and sent the documentation I had. I also question how a lender can have a copy of my drivers license and my social security card to change my address. I attached the letter I sent to the company below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1 ) On XX/XX/219, I received a Credit Alert from Experian. Experian Alert shows my XXXX XXXX as " Settlement ''. I never signed a settlement nor verbally agreed to one. 

2 ) On Experian my XXXX XXXX  XXXX account shows a balance of {$2400.00} however I paid {$25.00}. The account should show a balance of {$2400.00}.

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 2019-04-06 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This complaint relates to the American Express website functions and misleading navigation tools. While exploring eligibility and card information for the American Express Platinum card the website asks for personal information to verify eligibility. The following screen has an additional navigation button that indicates navigating through this link will provide additional information about eligibility and card rewards, this link actually submits an applications and signs you up for the card delivering a message that says 'welcome, your card will arrive in about a week '. 

This is a deceptive practice that effects credit score in terms of opening/closing an account, length of account history and a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I got a Loan from Marcus Goldman Sachs. The agreement was I would receive a statement every month and mail in my payment with a check. The payment is due on the XX/XX/XXXX of every month. It is now the XX/XX/XXXX and still have not received a statement in the mail.I called them and brought thin to their attention I have an Option how to pay this bill. They are trying to take one of the three options I have away from me.I still want the option to pay by mail. Do not want to get charged a late fee or interest because they did not receive the payment by the XX/XX/XXXX day of the month because I did not receve my statement on time. They told me they mailed out the statement on the XX/XX/XXXX. 
They also said I can pay by phone or online! It seams to me they are deliberately trying to get me to pay by phone or online so to save on paper work and collect a little bit more interest if they get my payment late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX XXXX repeatedly calls at XXXX and all throughout the day. I told them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Repeated robo calls for a debit owed by XXXX XXXX, number being called from is XXXX, last call XXXX XX/XX/2019 at XXXX hours, do not know who he is or what he owes but the phone that keeps being called is my telephone number XXXX XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX Visa XXXX Balance:XXXX XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX Visa XXXX XXXX Balance:XXXX I went to the XXXX XXXX  XXXX business hall and talked to the customer service manager. I called the service staff of the XXXX   XXXX XXXX security department to ask why closed my two credit card accounts and told them that the reports of the credit companies they had received were incorrect. My XXXX XXXX credit card has been stolen and has been disputed with credit companies and banks. The debt does not belong to me. 
1Amount of arrears to hight 2 : Automatic Payment and Refund 3Excessive debt arrears For these Three reasons, I refused to open my credit card account again. 
I paid off my debts on time. I was the XXXX XXXX XXXX of a high-end restaurant. I paid in full cash to buy a house worth XXXX XXXX.My house has a net worth of {$2.00} XXXX and a total of {$8000.00} in arrears. 

It's hard for me to understand the wrong judgment of XXXX XXXX XXXX, the lack of correct verification information and the closure of my credit card account.

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 2019-04-06 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
1 ) On XX/XX/219, I received a Credit Alert from XXXX. XXXX Alert shows my OneMain Financial as " Settlement ''. I never signed a settlement nor verbally agreed to one.

2 ) On XXXX my XXXX XXXX XXXX  account shows a balance of {$2400.00} however I paid {$25.00}. The account should show a balance of {$2400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1 ) On XX/XX/219, I received a Credit Alert from XXXX. XXXX   Alert shows my XXXX XXXX as " Settlement ''. I never signed a settlement nor verbally agreed to one. 

2 ) On XXXX my Bank of America account shows a balance of {$2400.00} however I paid {$25.00}. The account should show a balance of {$2400.00}.

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 2019-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Collection Agency : PHNX FINAN Original Creditor : XXXX XXXX XXXX Amount : {$790.00} Status : Open Opened Date : XX/XX/2018 I am being billed for medical services rendered by " XXXX XXXX 's Emergency Hospital. '' I am XXXX  years of age, meaning I am not even eligible to be treated or billed by XXXX XXXX 's XXXX facility! I have never been the parent or guardian of a child in my life. I am single with zero children. I have never cared for any child, nor have I lived in any home in which a child has even cohabitated! I do not understand how/why I am being billed for services from a facility that is literally IMPOSSIBLE for me to have even acquired a single cent of debt, let alone {$790.00}! I've mailed the collections agency in reply to their debt collections correspondence, and replied to original correspondence regarding any debt related to XXXX XXXX XXXX XXXX directly to the billing facility, as these are clearly, simply not possobly correct. These attempts to collect charges for bogus services I am clearly, simply unable to incur have tarnished my credit. I've replied to creditor and the facility, but received no response. I disputed this debt via aXXXX dispute which somehow returned a decision that they had found these debts to be valid even though they are simply impossible for me to incur via my age and lack of children.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
I am a XXXX. My clients ( Buyers ), who are personally my friends for over 20 years went to RP Funding to get a pre-approval letter for a home mortgage loan. The person who assisted them, XXXX XXXX asked them if they had a Realtor. They answered yes. This lady crossed the line and told them that if they used one of their Realtors they could save money and they will pay their closing costs. They felt their back against the wall and of course when people don't know they thought it was a great deal. My buyers were ready to put an offer on a property they liked. My friend called me to tell me what happened and said that they ended up putting the offer with the other Realtor. This incident happened between Wednesday afternoon and Thursday. I spoke to my friend on Friday and found out their offer got accepted. I am shocked, everything happened so fast. I still can't believe how this lady stole my client. Who would want to refer a client to RP Funding after this? The Realtor representing this transaction is XXXX XXXX. The agent who showed the property is XXXX a guy from XXXX and XXXX XXXX ( loan officer ) is the lady who spoke to my clients. RP Funding, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: FL

Complaint narrative:
Dear CFPB My name is XXXX XXXX and my social security number s XXXX. My physical address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have requested on multiple occasions from Equifax to re-investigate the Public Record : Personal Bankruptcy XXXX filed XX/XX/2009 ( older than 10 years ) to be removed their reporting. I reported on multiple occasions that the report show multiple in accuracies in which they have never have confirmed through the courts? XXXX does not show this Bankruptcy, Other 2 Agencies have since removed XXXX and XXXX. They refuse to follow through with these requests and rely on old data that was inaccurate in the first place. Please help in resolving this request. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: AZ

Complaint narrative:
I have a debt collection reporting on my credit for account I never used. I do not recognize the debtor nor have I ever opened services with this company. The information is completely inaccurate and does not belong to me.

Company response to consumer: Closed with explanation