vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I called on XX/XX/2018 to request the phone calls from this number to stop because I DO NOT HAVE DEBT. I have never had anything go to collections and I have an excellent credit history. I do not use credit cards to spend above my means. I do not have any loans that would warrant a debt collector to call.

My call was answered by a recorded message that directed me to visit www.PortfolioRecovery.com THIS IS A SCAM WEBSITE that asks for personal information including SSN.

Information warning others that the site is a scam can be found online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I asked them numerous times for a written contract bearing my signature and they have not provided me with that information. I also disputed this debt with the credit reporting agencies. I did not enter into a contract with this company and it says it was opened XX/XX/2015 which tomorrow would make it 3 years under the statue of limitations in Maryland to try to collect on a debt. Please help me remove this derogatory mark on my credit so I can get my scores closer to where they should be. Thank you. 

Company name : SW Credit Systems amount : {$180.00} opened : XX/XX/2015 acc. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: MD

Complaint narrative:
i am XXXX years old - retired XXXX XXXX - i started obtaining credit back when i was XXXX years old when i bought my first car on credit - during my years, i have established tons of credit accounts including 5 mortgages - 7 car loans and numerous credit card and other credit accounts. however, i have complained to transunion that their way of calculating length of one 's credit is not correct and they report me as having 1 year of credit to my name - this is so obviously wrong - i have had credit in my name for 45 years - my wife divorced me two years ago and i had to close my accounts and open them again without her on them - this is what transunion is claiming is the first time that i have ever had credit and reports my credit life has only been one year - it is hurting my credit score and hurting me from obtaining a good mortgage for the purchase of a mobile home in floida - the only place i am now able to afford to retire to. please have transunion to correct my length of credit information as it does not correctly represent the true time i have had credit in my name. in addition - i challenged 7 hard credit inquiries months ago and they never researched/ responded back to me on the results of the investigation they were to perform. my credit score i XXXX - and everything else on my credit report demonstrates that i am an excellent credit risk - no negative accounts - 100 % payments on time - excellent amount of credit used vs available etc .... i have worked very hard on my credit and these two issues are the only negative information on my file.

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 2018-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: LA

Complaint narrative:
I applied for some personal loans on a few sites, and apparently my information was sold to numerous foreign groups who started calling repeatedly and aggressively saying they were from legitimate companies like XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I spoke to numerous representatives who were all promising loans but needed a deposit first. One company did not want money, but {$200.00} in XXXX cards saying that the money would be refunded after the first payment. I called the police and they have opened a report. I called XXXX XXXXXXXX XXXX   and they are aware of the scam. Everyone seemed to be aware but me. I had sent them my ID, and they already had all of my banking information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: IL

Complaint narrative:
They were included in bankruptcy and not sure why but also they are closed due to consolidation and show on report multiple times and need to be removed

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 2018-12-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
They were included in bankruptcy and not sure why but also they are closed due to consolidation and show on report multiple times and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They were included in bankruptcy and not sure why but also they are closed due to consolidation and show on report multiple times and need to be removed

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 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
XXXX XXXX service : After using a two year service contract for two years and three months, I turned in my two TV signal receiver control boxes and my two hand controllers to the XXXX, Florida XXXX Store- XXXX XXXX XXXX - XXXX XXXX XXXX, Authorized XXXX   Retailer. My account was paid in full, through my XXXX XXXX XXXX direct pay account. After moving to a new location in Florida, I continue to receive billing from XXXX. Up to the amount of {$710.00}. I do not owe the XXXX  any additional money and they will not stop sending statements. We had to have a XXXX  technician come to our house, when the service was quite new, because the picture and auto was very poor in quality. He changed the two TV receiver signal boxes and stated they are the new style and they would or will improve the sound and picture quality. Through out this additional billing situation, someone from XXXX stated they think, by changing the two boxes increased the contract by another year. I would not have ever agreed to that procedure, if that was the case at that time. That technical service call was to repair and increase TV signal and poor service. The two year contract should have been the only contract in agreement.

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 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have power of attorney for my brother who holds this c/c. I have complete financial control. For more than a year, I have not been able to get onto the website to pay the bill and when I mail the payment, it arrives late. In both instances we are continually charged finance charges. I have had to send the notarized paperwork twice ... they keep losing it. I was told that when the account was up to date, the website tech people would get me on the website to make payments easier and faster. The tech people tell me they have no access to the powers of attorney paperwork and refuse to allow me access and send me back to customer service. 

The last time I spoke to customer service in XXXX, I asked for the full payoff, as I was planning on canceling this c/c. I paid the amount I was told and today, received yet another bill for yet unpaid prior balance with more finance charges. No one can validate the charges and I am being forced to pay " blind '' the amount they state and interest on top of it. 

This is all totally unacceptable. I am canceling this card and the card was taken from my brother after the last phone call to the company. 

US bank was totally unhelpful, uncooperative and I am still unable to access the website to validate these charges.

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 2018-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XXXX XXXX , XXXX and XXXX XXXX, XXXX are the same companies based on my research. However, this company is violating my privacy rights, infringing on my right of refusal, and calling me excessively and repeatedly for collection on the part of PNC Bank of Maryland. This collection is result of a repossessed car a XXXX XXXX XXXX. 

I purchased the car from XXXX XXXX XXXX  XXXX XXXX during the month of XX/XX/XXXX. Initially, the phone calls came from a unknown number. However, after I retrieved the voice mail I realized it was an employee of XXXX XXXX and XXXX XXXX, XXXX, which is the same company soliciting monies for the car. After the car was repossessed PNC Bank never notified me about the sale of the car, the amount it sold for, or whether or not I would have any residual monetary cost associated with the sale. 

My efforts to resolve, get information, and how important this was to my credit rating is an essential cause for this complaint. PNC Bank purposely and quite possibility exposed me to unfair loan practices used by XXXX XXXX   XXXX XXXX for the purchase of my car. 

For the record, I shouldn't have been approved for the car based on the following metrics : 1. As a new first time buyer with little to No credit or credit history.

2. PNC Bank worked directly in consultation with PNC Bank and it's history of using unfair tactics on minorities for the sole purpose to undermine, take advantage of, and possibility ruin their credit rating and histories. It has been documented as far back to XXXX. 

3. At the time of my purchase I wasn't employed long enough for such a price tag of nearly and over {$20000.00} dollars for a car which would have caused me great harm and distress. However, XXXX XXXX  XXXX XXXX XXXX sought to find a lender who was willing to approve this loan. 

4. PNC and XXXX are both causing me great distress and distrust for the outcome of this loan. 

5. XXXX XXXX have been calling me repeatedly threaten me with ruining my credit and asking for payments of the total amount of the car value of which PNC Bank should be totally responsible for at this moment. 

6. PNC Bank had a fiduciary responsibility to sell the vehicle for the highest possible price to offset the loan of which they approved of which based on the evidence and ability to pay should have never been approved. BUT IT WAS. 

Finally, I have asked XXXX XXXX to stop harassing me, calling me excessively, and attempting to blackmail me through ruining my credit and harm me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I sent two mortgage payments instead of one by mistake. On XX/XX/2018 I called Select Portfoilio Servicing and requested the over-payment of {$2700.00} be returned immediately. The Rep for SPS said he would start the return process and I would have the money back in my account in 3-5 days. I said I needed the money sooner than that and he stated that was the best he could do. On XX/XX/2018 I called SPS Customer Service and ask why my money was not returned? The Rep stated they are waiting for me to send them my bank statement. I said there was nothing said to me about sending a statement or paperwork of any kind. I said I wanted to speak with a Supervisor or Manager and the Rep said theres no reason to speak with them as they will tell me the same thing. I had to demand to speak with a Manager. A supervisor by the name of XXXX XXXX came to the phone and said I must send them a copy of my statement and she would stay on the phone while I send her my bank statement. I sent her my bank statement and she confirmed she recieved it. She said she would handle the return of my money immediately. On XX/XX/2018 I called Customer Service again and ask to speak with Ms XXXX. I was told she was at lunch and a message was sent to her, to return my phone call that day. Its XX/XX/2018 and I STILL DO NOT HAVE MY MONEY! I called Customer Service again and ask to speak with Ms XXXX and I was told she was not available. It is very obvious this business is avoiding me by not returning my phone calls or my money as promised. I have now incurred several NSF fees from my bank and unable to afford the XXXX cost of medicine I need to purchase for my Son. This company and its employees have not only avoided my phone calls and request but also deliberately misled me with the handling of my case. ( I was actually told they need to contact the Federal Reserve for the return of my money )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have tried for the last 6 months to have an item reported as included in Chapter XXXX Bankruptcy without success. I have submitted 2 disputes to Transunion and both times it has come back as information accurate. This debt was included in my Dishcarged Chapter XXXX Bankruptcy. XXXX XXXX XXXX and XXXX XXXX XXXX were notified via mail when I filed and then notified by mail again when my bankruptcy was discharged in XX/XX/XXXX. Despite all of this, they continue to report inaccurately on my credit report. I understand it isn't removed, but it should show a zero balance and that it was inlcuded in bankruptcy. Here is the information below : INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this account appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX High Balance : {$21000.00} Original ChargeOff : {$20000.00} Pay Status : >Charged Off< Terms : Monthly for 81 months Date Closed : XX/XX/XXXX >Maximum Delinquency of 90 days in XX/XX/XXXX< Account Sale Info : ACCOUNT SOLD TO XXXX XXXX XXXX Remarks : PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF< Estimated month and year that this item will be removed : XX/XX/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 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
This complaint is regarding ChexSystems " blocking '' access to my report, despite my lift of a Security Freeze earlier in the year.

I had a security freeze put in place in XX/XX/2018 because financial institutions kept on pulling my report without my consent. I lifted it temporarily in XXXX-XXXX  with no issues. In XX/XX/2018, I tried to lift it again temporarily to apply for a bank account, but the bank ( XXXX XXXX XXXX ) reported a " non-response '' from ChexSystems. I worked with ChexSystems at the time to permanently lift the security freeze. ChexSystems confirmed that the freeze was lifted. Nevertheless, I abandoned getting a deposit account with that bank at that time.

Today ( XX/XX/2018 ), I applied for bank accounts at XXXX XXXX XXXX. XXXX XXXX wrote back to me : " Do you have a block on your chex systems reporting? If so you will need to remove the block so we can run the report and then replace it. Currently we are unable to run the report. '' I called ChexSystems security freeze line at ( XXXX ) XXXX.   I spoke with XXXX. XXXX said there is a " technical glitch ''. Specifically, he said there was an error related to their internal systems, and the error message says : " We are unable to access the file at the moment. '' The representative XXXX  indicated that " sometimes we receive that error. '' The representative sounded like he was in an overseas call center. He did confirm that there is no security freeze currently in place with ChexSystems, since I had it removed in XXXX. Nevertheless, this malfunction is preventing me from getting bank accounts that I want to get.

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 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Closed an checking account with Customer Service via telephone. This did not happen. Which resulted in overdraft fees and bank not letting me to reopen a new account with them or any other banking institution. And lower credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX XXXX put a hard inquiry on my credit. I havent had my credit ran since I filed bankruptcy. It was put on there XX/XX/2018. I dont know nothing about this company at all

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 2018-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2018, we received an ordinary mail from Chase, apparently a credit card account was opened through XXXX XXXX, ending in XXXX, and we were charged XXXX annual prime fee. We are XXXX XXXX members but were unaware of this credit card account or the fee. 
We called the number on the Chase bill given us, spoke to several representatives with XXXX accents, and found out this was a legitimate fee, but no idea why the credit card account was started. We were less upset, but really have cut out unnecessary credit cards and asked to cancel this card The representative assured us the card would be cancelled and the prime fee would be transferred to our other credit card acoount, actually also from Chase, ending in XXXX. He asked out email to send us confirmation. 

Today, we received another bill from Chase for the XXXX account. We called the number provided on the chase bill again, bounced to security department who would investigate the charges BUT THEY SAID THERE WAS NO RECORD OF THE FIRST PHONE CALL! 
I was willing to pay the XXXX, but was sure i gave our othe rcredit card to the first caller and felt this had to be resolved, Why had they no record of my call? would this happen again when i hang up? who did I give my other credit card info to? 

I couldn't get them to give me a confirmation number, or case number to prove we had called today. They said they have adequate records by recording the call and placing a memo in my chart. They also stated they would send me a letter confirming they cancelled my account, but no other proof we called was offered. After an hour on the second call, I am no further along, as i have no proof that I have paid these charges or cancelled this credit card other than THEIR word on the phone. This is the number I called the first time. 
Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank is claiming and reporting an inaccurate credit card debt of ( {$3900.00} ) on my credit file. I've mailed them several dispute letters, asking for proof of their claims. Chase Bank has failed to show me any solid proof of their claim. Chase Bank mailed me a copy of a previous statement they claim is mine. The statement is not mine. It failed to show my correct and full name, the address is incorrect, they failed to show me any signed documents that prove it's my debt. I also believe the social security number used to establish this account is inaccurate also. I sent out my first dispute letter on XX/XX/2018.

Company response to consumer: Closed with explanation