vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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:
I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX   Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX  To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida 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 non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
XX/XX/2019 it was XXXX off my Unempolment card. From atm in XXXX XXXX Texas. When I was in my bed in XXXX XXXX. I call the card. Company telling my card with me. Someone have duplicate Card and be use it In Texas at ATM. But I feel like know stealing my identity. How can I or yall can stop him this man. File taxes in my name. And everything, but the company send some paperwork I have to send to get my money back but is that a big crime because they stole money funds I get from the state huh.

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 2019-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AR

Complaint narrative:
I have a payment that is due XX/XX/2019 XXXX I got approved for Income driven payments which start XXXX for XXXX. They are refusing to give me a forbernce for XXXX I can not afford {$860.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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: Merchants Adjustment Service, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft, my personal information was leaked in a recent breach by XXXX, XXXX XXXX. I noticed several accounts that are reporting that aren't my account along with inquiries. By law i must allow permission for someone to go onto my credit file, which i didn't give. That is breaking the law of FCRA several sections. 
NOTICE OF INTENT TO FILE COMPLAINT Dear Sir/Madam, I am hereby sending you this letter as formal notice of my intent to file a complaint with the Federal Trade Commission ( FTC ). 
I notified you on two separate occasions, that the following account is not mine and needs to be deleted immediately. 
Name of creditor : 1. XXXX XXXX  2. MERCHANTS ADJ SERVICES You have ignored my two previous letters requesting deletion of this account. And it continues to remain in my credit report. The enclosed copies of letters and mailing receipts are proof that you have been delivered by registered mail both a dispute letter, dated XX/XX/2019, as well as a follow-up letter, dated XX/XX/2019. 
By law, you are required to respond to consumers credit report dispute letters within 30 days. Be advised that you are in violation of the Fair Credit Reporting Act, and that the Federal Trade Commission investigates complaints for failure to respond, yet you have failed to comply with these Federal regulations. 
I hereby demand that you immediately remove this account from my report. If you fail to do so, I will file a formal complaint with the Federal Trade Commission. Furthermore, I intend to file a lawsuit in civil court for damages, costs and attorney fees, should you continue in your deliberate disregard for the law. 
I hope that we will be able to resolve this problem, so that no further action will be required. 
Please send me an updated copy of my credit report. Also, send a copy of the revised report to each creditor that has received my credit report within the past six months, or the past two years for employment purposes. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank is so unprofessional and made me waste my time and money! I walked in on XX/XX/XXXX to apply for a mortgage loan & the first thing I did was ask if I could apply for the loan with my XXXX XXXX   because I was XXXX XXXX XXXX. I am under whats called XXXX, XXXX XXXX XXXX XXXX XXXX which allows us to XXXX and XXXX XXXX in the U.S, I am aware not all banks accept that or will only approve your loan untill your XXXX expires and thats WHYY it was the FIRST thing that I asked & I was told that they do accept it. I had all the documents needed that day because I had previously applied at other banks, I had my W2, tax returns, pay stubs, bank statements, proof of down payment, social, ID, EVERYTHING. The lady that helped me took copies of what was needed to send to the loan officer & later on  was told I got pre approved. I picked out the house I wanted and went from there. My loan officer almost NEVER called me to let me know anything about the loan it would always be my realtor having to call him and get updates. They asked for the earnest money and due diligence which was {$2000.00} total. I was told that if I backed out I would not get the money back but I NEVER backed out. I was willing to continue untill the house was mine! Then they asked for the appraisal money and that was {$600.00}. My closing date was set for XX/XX/XXXX but they kept asking for more and more documents and asked for a copy of my XXXX XXXX, so the date got moved to the XXXX. Comes XX/XX/XXXX and my realtor has to call the loan officer early in the morning to confirm & the loan officer tells her we can not proceed with the loan because I am not a XXXX XXXX and can not do a loan with my XXXX XXXX, she asked him if he spoke to me already and he said no. I waited all day for him to call me and he never did so I called before XXXX and thats when he told me we could not proceed. My point is I clearly asked before I started the process if I could apply with my XXXX XXXX and was told yes, made me spend {$2600.00}!! Money that I have to work hard for and is not growing on trees for them to say no the DAY OF CLOSING?? and tell me I cant get my money back?? Its YOUR fault for saying you DO accept my XXXX. If they would of said no I would of NEVER wasted my time with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: NY

Complaint narrative:
To whom it may concern, I recently reviewed my credit report and I found a charge off account reported by XXXX XXXX  from XX/XX/2014. That Charge Off account is already paid. 
The NY FCRA states in 380-J Prohibited Information ( iv ) That Credit  bureaus are prohibited from reporting accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years. 
Since the Charge off happened in XX/XX/2014 its already passed the 5 year mark and all late payments must be deleted as per NY FCRA laws referenced above. 
I disputed the mark with XXXX, Equifax and XXXX but they did not remove it. ( i believe Equifax first removed it but then it reappeared on my credit report. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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: NY

Complaint narrative:
To whom it may concern, I recently reviewed my credit report and I found a charge off account reported by XXXX XXXX from XX/XX/2014. That Charge Off account is already paid. 
The NY FCRA states in 380-J Prohibited Information ( iv ) That Credit bureaus are prohibited from reporting accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years. 
Since the Charge off happened in XX/XX/2014 its already passed the 5 year mark and all late payments must be deleted as per NY FCRA laws referenced above. 
I disputed the mark with XXXX, XXXX  and Experian but they did not remove it. ( i believe XXXX   first removed it but then it reappeared on my credit 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 2019-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal automatically updated my expired card information to it's new expiration date without my permission. This would could potentially expose me to fraud for anyone gaining access to my account. I wanted it to be defunct. 

I'm not sure how this is legal or allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One, Sent a letter stating to me, that I need to open a Capital One email..so these people do what? That I sent them a XXXX XXXX dollars for their fee for the year ... 
On their website says I owe more money..for what.? On their website..trying to see where they say I owe them more money..no bill has come to my address, where these XXXX say I owe them ..and they ding my credit..where I had excellent credit and these XXXX, just take it upon their selves to bring my credit down.. 
I put itthis way with those XXXX..once they put my credit back to excellent they will get their XXXX XXXX XXXX XXXX money..otherwise I don't give a XXXX XXXX XXXX..they XXXX up credit..no bill was sent to me .... 
Ask them XXXX did they send a bill to Mr. XXXX and prove it..no they did not .... 
Look at my credit..never been late on anything..and these XXXX phuck me over.. 
I'm a XXXX Veteran was there when I was 18 years ... to XXXX XXXX XXXX ( over my credit.. ask them what bill did you send him ... they didn't didn't send XXXX to me ... otherwise I would have paid them XXXX XXXX XXXX XXXX XXXX XXXX XXXX 





.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I sold my residential property with the closing taking place on XX/XX/19. I provided a forwarding address for my mortgage lender, Suntrust Mortgage, to send me the funds accumulated in my escrow account. I never received the funds, so on XX/XX/19 I called Suntrust and was told a check had been mailed to me at my old address -- the property I had sold. I was told they would stop payment on that check and send me another, and that it could take up to ten business days. On XX/XX/19 I called again to say I had not received this new check. I was told it was mailed on XX/XX/19, and I should receive it within 5-7 business days from the check date. I had not received the check by XX/XX/19, so I called a third time and asked for a manager. I was put on 'hold ' for more than 45 minutes. When the manager finally took the call, he said a check had been mailed XX/XX/19, and I should receive it any day. There was no explanation for the earlier date of XX/XX/19 that was given to me on my prior call. It was now 63 days since my mortgage loan had been paid in full, purportedly one check had been sent, but to the wrong address, and a second check was now apparently floating in space. So I told the manager I wanted the escrow account balance, approximately {$4700.00}, sent to me via overnight mail to arrive no later than XX/XX/19, and if I did not receive it by then, I would be filing a complaint. It is now XX/XX/19, and I have not yet received my escrow account balance from Suntrust Mortgage for a loan that was paid in full on XX/XX/19

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 2019-08-08 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: United PanAm Financial Corp.
State: CA

Complaint narrative:
United Auto credit ran my credit without my authorization, this caused my credit score to go down. On XX/XX/2019 I received a notification from my credit report that they have ran my credit. I did not submit my information nor have I authorized them to pull my credit. I have called their customer service number same day and asked for them to remove the inquiry or send me a letter that they did not have authorization to run my credit, they declined to do so. 
I am seeking for assistance to have this issue resolved as they now have all of my personal information. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
Allied Collection Service, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, purchase a medical bill from XXXX XXXX. The medical bill was placed on my XXXX XXXX credit file on XX/XX/XXXX. This bill has incorrect information, this bill does not belong to me, the date for the bill is dated, XX/XX/XXXX, for the amount of {$2600.00}, now {$2600.00}. The date and sum amount due for this bill is incorrect. I had no medical services rendered to me on XX/XX/XXXX. I contacted Allied Collection Service and informed them that this information is incorrect, I made a request for the collection agency to provide me with documentation of dates and sum amounts due, I need verification. The collection agency has refused to provide me with valid documentation of this debt.

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 2019-08-08 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 was in XXXX XXXX XXXX the other day buying some shoes and one of the  representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I got a monitoring alert, today, XX/XX/XXXX, that Jpmcb Card pulled my credit report, but I never applied for anything today or with them. It was done without my concent or fraud is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the accounts below with XXXX, XXXX  and Equifax in which they have not responded to my disputes in over 60 days. Per the FCRA these items must be deleted due to the creditors and credit bureaus neglecting to respond to my disputes. I am requesting XXXX, XXXX and Equifax to delete these inaccurate accounts per Section 609, 611 and 623 of the FCRA. 

XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX/XXXX : Account # XXXX Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the accounts below with TransUnion, XXXX and XXXX in which they have not responded to my disputes in over 60 days. Per the FCRA these items must be deleted due to the creditors and credit bureaus neglecting to respond to my disputes. I am requesting TransUnion, XXXX  and XXXX to delete these inaccurate accounts per Section XXXX, XXXX and XXXX of the FCRA. 

XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX/XXXX  : Account # XXXX Thank you, 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 2019-08-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the accounts below with XXXX, Experian and XXXX in which they have not responded to my disputes in over 60 days. Per the FCRA these items must be deleted due to the creditors and credit bureaus neglecting to respond to my disputes. I am requesting XXXX, Experian and XXXX to delete these inaccurate accounts per Section 609, 611 and 623 of the FCRA. 

XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX   XXXX  : Account # XXXX XXXX XXXX XXXX/XXXX : Account # XXXX  Thank you, 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 non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC
State: KY

Complaint narrative:
This company has been calling me everyday since XX/XX/2019 .They leave voice mail after voice mail wanting payment which I do not have .This needs to stop and how can I pay this loan of with these fees like they are

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