vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 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: PR

Complaint narrative:
I am in the process of buying a property and I identify an account that does not belong to me with XXXX in my credit report. I already call XXXX trying to resolve the situation but they told me they don't have any situation, case or account with me under my social security number. The only account I have with them is a XXXX XXXX card, that is closed and it is paid as agreed. I try to dispute this account with XXXX, XXXX, and Equifax and they closed my dispute saying that the account belongs to me and that the information is accurate when is not. This account appears as charge off with {$610.00} written off and {$430.00} past due it says that the account was open on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I had a line of credit with citizens bank for 10 years my payment was {$980.00} a month the line of credit expired XX/XX/2017. I tried to extend it for 2 more years or tel I sell my home the bank never respond to me I try to contact them many ways never got any help and then the bank turned it to a 15 years mortgage without my signature and my payment jump to {$3700.00} a month. No way I can afford it. Also never send me any payment book or link it to my bank account. 
I told them that I work over seas I can't just leave and deal with this. I asked them to extend my line for some time so I can get my finances together. I was with them for more than 15 years never missed a payment. Now they are taking my house from me it is amater of no court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: IL

Complaint narrative:
After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX  and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXXXXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XXXX XXXX   XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX not mine

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 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account with XXXX XXXX should be reported by transunion as a paid charge off in comments. Settled and paid 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 2018-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Friendly Finance Corporation
State: PA

Complaint narrative:
I have been paying on my car loan for over five years now. According to the truth in lending statement signed XX/XX/13, my original loan was for {$16000.00} at an annual percentage rate of 15.95 %. My simple finance charge was to be {$8400.00}. So total price was {$25000.00} of which I paid {$1000.00} down, leaving me with {$24000.00} to pay. Payments were to be {$370.00} per month for a total of 66 beginning XX/XX/13. I will admit I had some difficulties with payments a couple of times, but I worked hard to make them up by making extra payments. There were times I would pay over {$1000.00} to my account to make up for missing payments. However, here we are, five years later and according to my lender I still owe {$11000.00} on my loan. I have tried to have them explain this to me. I have asked how this was possible considering my TIL statement. They can not give me a straight answer. I was looking to pay off this loan and be done. But with this much owed, it is impossible. I can not even trade the car in! I have asked for and received a ledger showing the amounts I have paid over the last five years. It does not make a whole lot of sense because half way through they changed computer systems. But, adding up the amount of my payments I get a total of {$26000.00}. This is over what my TIL statement claims I should have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I initially asked experian to validate bankruptcies listed on my credit report on XX/XX/18 via fax. They failed to respond with 30 days and i was notified XX/XX/18. I than asked the to show me their detailed method of verication per the FCRA ON XX/XX/18 via fax. Again they have failed to respond within the 15 days per the FCRA! 

Chapter XXXX XX/XX/XXXXwrong date Chapter XXXX. XXXXwrong date Cahapter XXXX. XX/XX/XXXX Wrong date

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 2018-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
To whom this may concern I XXXX XXXX feel I wasn't treated fairly at my Closing .XX/XX/2017 I purchased a home for XXXX I was granted Ga DREAM XXXX the seller gave me 3 %, EARNEST MONEY, APPRAISAL, XXXX XXXX XXXX XXXX XXXX Realtor XXXX I paid on my closing date. Closing lasted 4 hours my folder wasn't right numbers didn't add up everyone at the attorney office was aggravated it was very unprofessional and embarrasing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I signed up for a checking account on XX/XX/2018 that promised a {$150.00} bonus for receiving a direct deposit of {$500.00} within 90 days. I received a direct deposit of {$500.00} on XX/XX/2018. 

Per the terms of the deal ( which I took screen shots of as proof ) the bonus was due on XX/XX/2018. More than two months ago. 

I got the run around on a phone call to customer service earlier this month, and my detailed secure message sent on the website on XX/XX/XXXX has not been responded to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I received a letter from a company by the name of Financial Credit Network in regards to a medical bill. I'm not sure who the original creditor is, however I have double coverage of medical insurance. I wrote them a certified letter and advised them that they have the wrong person and not to contact me anymore. After that, I received another collection letter for a different amount. I now have two alleged debts with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
There a some huge issues with the collection that showed up on my credit report yesterday. One, it is well beyond the statute of limitations in Florida. Also, this is for a XXXX account that my ex-husband open years ago without my knowledge or permission. XXXX recognized this and subsequently removed my responsibility for the balance owed approximately 7 years ago. I believe Convergent bought some old debt and is trying to make some money without even attempting to find out if the debt is even valid. I am in the process of buying a house for myself and my children and this just made my credit score drop 40 points!

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 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital one is blocking me from authorizing a third party savings application for some reason unbeknownst to me. Please help me fix. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: Razor Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX credit card was a paid and settled charge off on XX/XX/2017 XXXX was paid and suppose to say in comments on my three credit reports as a paid charge off. Paid and settled account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: FL

Complaint narrative:
XXXX XXXX credit card was a paid and settled charge off on XX/XX/2017 XXXX was paid and suppose to say in comments on my three credit reports as a paid charge off. Paid and settled 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 2018-07-20 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: Razor Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX  credit card was sold to XXXXXXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to Razor Capital. It  was Razor Capital who settled my account with me, comments on my account should be paid and settled account. Paid charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Financial is not providing me with any billing statements. I dont know if my payments are even being applied. My wife filed Chapter XXXX Bankruptcy. I did not. Ally filed a proof of claim. I continued to make payments. The Bankruptcy was dismissed on XX/XX/XXXX. There is not automatic stay and no reason to deny my billing statements. In addition, Ally is inconsistent since they provided an emailed copy on XX/XX/18. They are not sending me paper statements nor emailed statements. When requested, they refuse.

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 2018-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
To whom it may concern, My name is very common, it is in the XXXX community the same as " XXXX XXXX '' So from time to time I have had erroneous information on my credit report that I have been able to clear by contacting the creditor directly. in this case, I had this collection show up on my credit for XXXX XXXX XXXX, and I have no idea what this is so I contacted the creditor and was told " I don't care if this is your debt or not, pay it and we will take it off your credit. Don't pay it and it will ruin your credit! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: FL

Complaint narrative:
XXXX XXXX XXXX credit card was sold to XXXXXXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to XXXX XXXX. It was XXXX XXXX who settled my account with me, comments on my account should be paid and settled account. Paid charge off.

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 2018-07-20 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: FL

Complaint narrative:
XXXX XXXX XXXX  credit card was sold to XXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to XXXX XXXX. It was XXXX XXXX who settled my account with me, comments on my account should be paid and settled account. Paid charge off.

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 2018-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery. 

I have asked them to stop calling me. I have received papers in the mail about the debit. They call me from several different numbers at least twice to 3x a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On numerous occasions, PNC representatives had made monthly payments on HELOC loan ( acct # XXXX ) nearly impossible. Due to prior bankruptcy in 2009, they do not have to provide statements of when or how much payment is due. On several instances, they refused to accept payment on account from my wife as she is not on the loan account. Being a HELOC loan, the amount due changes monthly and they will not divulge if the payment is sufficient or not. This may or may not have led to my prior dispute of erroneous negative information appearing on my credit report of over 12 months of being late on my payments. While trying to pay off primary mortgage and HELOC loans, PNC was very restrictive and uncooperative in providing information. They have not provided history of payments as requested by myself and prospective loan officer. As of this date, they are still holding up closing on a refinance loan due to erroneous negative information on my credit report and refusal to provided payment history and payoff information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
in XX/XX/XXXX I called Bank of America and asked if my credit card XXXX XXXX XXXX XXXX had any 0 % interest offers. I was told yes, by the agent I was talking too. I told him I only wanted a check that could be deposited into my Bank Account.for cash. 
He sent and I received check # XXXX. 0 % interest rate until XX/XX/XXXX Offer ID XXXX XXXX which must be used by XX/XX/XXXX. 

On XX/XX/XXXX I deposited into my chase personal bank account ending in XXXX the Bank of America check # XXXX for {$8000.00}. 

It was not until XXXX of XXXX that I noticed that I was not receiving the 0 % interest on the {$8000.00} as promised. I called the bank and was told that because I deposited the check for cash I was not eligible for the 0 % interest rate. Over the past 2 months I have talked to three managers. The first two said they would get back to me and never did. The third manager Ms. XXXX XXXX replied to me yesterday XX/XX/XXXX. She said she had a best offer which is reducing the current interest rate of 14.99 to an interest rate of 11.99 on the {$8000.00}. I asked if she would put it in writing and she said " no '' In summary I am very upset about this matter. I feel cheated!! 
Thank you for your attention XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is refusing is in violation of the FCRA and refusing to remove outdated data from credit reports unless forced. TransUnion continues to violate 15 U.S.C. 1681, even though their computerized systems allow them to update and drop outdated datsa from consumer files YET they refuse to do causing consumers to constantly do their job for them. 

TransUnion keeps inquiries on credit reports beyond the two year mark causing damage to credit scores and financial damage to consumers including myself. 

I am seeking punishment of TransUnion by the way of civil penalties, fines, class actions status, and administrative sanctions, up to and including restrictions of TransUnion from conducting business in the United States for a period of ten years for repeated violations of the FCRA. 

TransUnion has been very dismissive and blatant with their violations of the FCRA and continue to violate the law because this agency has been lax with enforcement of the FCRA AKA Fair Credit Reporting Act 15 U.S.C. 1681. 

The following data is still being reported in violation of the FCRA by TransUnion on my credir report : Inquiry 169 Inquiry Date - - 2015XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry 170 Inquiry Date - - 2015XXXX Creditor Name - - XXXX  Creditor Address - - XXXX XXXX XXXX XXXX XXXX DE, XXXX Creditor Phone - - XXXX Inquiry 171 Inquiry Date - - 2015XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry 172 Inquiry Date - - 2015-XXXX-XXXX Creditor Name - - XXXX XXXXXXXX XXXX  Creditor Address - - XXXX XXXX XXXX XXXX MN, XXXX Creditor Phone - - XXXX Inquiry 173 Inquiry Date - - 2015-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX OH, XXXX Creditor Phone - - XXXX Inquiry 174 Inquiry Date - - 2015-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry XXXX Inquiry Date - - 2015-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX. XXXX TN, XXXX Creditor Phone - - XXXX Inquiry 176 Inquiry Date - - 2015-XXXX-XXXX  Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry 177 Inquiry Date - - 2015-XXXX-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXXXXXX XXXX DE, XXXX Creditor Phone - - 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 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: OH

Complaint narrative:
I have a a unverified account from NORTH SHORE AGENCY. I had previously disputed this account. I have never done business with NORTH SHORE AGENCY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that NORTH SHORE AGENCY.I declare Myself competent. I am not a Corporation or a Public Entity.NORTH SHORE AGENCY must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, NORTH SHORE AGENCY are agreeing to your Commercial Dishonor, exhausting. My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might  constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 
any additional interest, charges, or other fees placed on this account. I want to request that NORTH SHORE AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported 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