vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
About a month ago I tried to unfreeze my Experian account and their online service wasn't working ( https : //www.experian.com/ncaconline/removefreeze ). I had all the correct info entered, including my pin, and it told me I could only unfreeze by submitting a bunch of paper work to them through the mail. I called and after an extended hold I finally got to speak to a person. This person allowed me to unfreeze over the phone and said I should be able to use the online service again. 

To avoid this problem in the future I decided to use their lock/unlock service they provide through the XXXX website. Unfortunately I just got notice that my free year of this service expires this week. So, I tried to re-freeze my account using the online service and again got the message saying I have to submit a bunch of paperwork through the mail. 

I'm fed up with the fact that their online freeze/unfreeze service is not working. I have all the correct info, including the pin number.

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 2019-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Dear Consumer Finance Protection Bureau, I have extensive student loans and am working towards Public Service Loan Forgiveness. I have been having trouble getting PHEAA/FedLoan Servicing to get the count of my PSLF-qualifying payments correct. Every time I submit an employer certification form ( ECF ), they get some or another count wrong. They take months or more to review and then do not communicate well. 

Specifically, the last detailed payment count I received on XX/XX/XXXX for the ECF filed XX/XX/XXXX ( 8  months late! ). On that detailed count, they said I had 93 payments that count. This, specifically, was incorrect ; they did not count the payment bill XX/XX/XXXX made XX/XX/XXXX ( see file XXXX Fedloan Loan Payment for what they thought at that time ; and see XXXX FedLoan count to see that after much discussion at that time they did realize that the XX/XX/XXXX payment should count, and see the letter from XXXX that reflects this ). 

Also, because of an error on FedLoans part, they did not generate a bill on XX/XX/XXXX. I called them and discussed, and they wrote me a letter that that payment should count. Please see letter from XX/XX/XXXX. 

By my count ( see attached PSLF count spreadsheet ) my 120th payment should be on XX/XX/XXXX, but the latest count I have from FedLoans from XX/XX/XXXX ( for ECF date XX/XX/XXXX ) says I have 104 payments and am on track for XX/XX/XXXX ( it should be 106 payments on that date, and thus it is 2-3 months too late ). It is unclear to me what payments they do not agree with and I asked about this months ago, but they have yet to send me a detailed count. 

I have not yet received detailed counts from ECFs files XX/XX/XXXX. I recently filed another ECF XX/XX/XXXX to make sure they are paying attention and the counts as described above are correct. 

I would appreciate your help with correcting these issues, as I am approaching the 120 payments and every month I pay extra is about an extra $ 1K! 

Thanks XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
On XX/XX/2019 I made a change to my automatic payment process. This change was done online with my mortgage holder Freedom Mortgage on their website. The change was to draft from a different bank account as the current one they were drafting from was from a credit union that was going through a merger and would no longer exists so the account was going to be closed. They continued to draft from a closed account three more times adding NSF fee to my account on every failed attempt. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Each attempt added a {$20.00} fee. Over a 4 week time period I had called the company on three different occasions to try and straighten things out. In the meantime they did not continue with the bi-weekly auto payments out of the new account. They added a {$19.00} late fee. I believe after the third phone call they did remove two of the NSF fee and the late fee but somewhere along the line they added another NSF fee making a total of four on my account but removing two. Today 's date is XX/XX/19. They have not gotten back to me regarding any of my complaints. Anytime I get an answer is when I call them again and again, usually because they are closed. I am in the process of refinancing and should be closing in the next couple days. I believe because of this they are in no hurry to address the problem hoping it will just go away. I had also requested to have my PMI removed on XX/XX/19 with the new appraisal from the refinancing. I currently have 29 % equity in my home and had shown proof with a written request to have it removed. Two weeks went by and on XX/XX/19 they mailed out a form that I must complete and send them {$100.00} fee for a broker 's price opinion although they received the new appraisal on XX/XX/19. Again now in XXXX 's monthly payment I have to pay an extra {$140.00} for something that by law should have been required to be removed and proof was shown. I know they have received a payoff request from the new financial institution so I think they are dragging their feet hoping it goes away with the sale of their loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was not receiving my statement via email, despite requesting, as a result I was not notified when my payment was due and paid my credit card balance 1 day late. Then I tried to have the fee reversed and the credit card company refused, I then was charged another fee. They will not stop charging me fees! I now have {$53.00} of fees on a 1 day late balance of {$2.00}. It continues to grow.

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 2019-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: OH

Complaint narrative:
I did not receive the appropriate information about the debt the amount is more than what's owe and also the original creditor and the person it was sold to are both reporting which is a violation XXXX has XXXX XXXX and XXXX has Vance and Huffman llc amount of XXXX dates reporting XX/XX/2018 for XXXX and XX/XX/2018 for XXXX  there are many inconsistencies for these two and I've tried to get it resolved with no luck these two should be deleted for the fact things aren't adding up and also inconsistencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A company by the name of XXXX XXXX XXXX  charged my credit card in the amount of XXXX in XX/XX/XXXX and its been since then and no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I try to call ARS Resolution services and explain the I have medical insurance the amount was XXXX my deductible  XX/XX/18  they said that I owe XXXX and putted in my credit as collection

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 2019-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I did not receive the appropriate information about the debt the amount is more than what's owe and also the original creditor and the person it was sold to are both reporting which is a violation XXXX has honor finance and XXXX has XXXX XXXX   XXXX XXXX amount of XXXX dates reporting XX/XX/2018 for XXXX and XX/XX/2018 for XXXX there are many inconsistencies for these two and I've tried to get it resolved with no luck these two should be deleted for the fact things aren't adding up and also inconsistencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Experian credit report supplied by Experian shows XXXX XXXX XXXX, Name ID # XXXX as a name included in my personal information. This person is not me. The name is not an alias for me. I have never used that name for any reason. 

In addition, there is an address in my personal information of XXXX  XXXX XXXX, NH XXXX. I have never lived at that address. 

The name XXXX XXXX XXXX, and the address XXXX XXXX XXXX, XXXX NH XXXX need to be removed from my credit report. 

In providing a copy of my credit report, the only recourse Experian offers to correct inaccurate information is to file a dispute of inaccurate information with your agency. 

Please assist me in removing this person 's name and address from 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 non-monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
In XX/XX/2019, I filed a complaint against Mid Atlantic Finance with CFPB. Since filing the complaint, we have not been able to communicate with anyone regarding the details of our account. Per XXXX XXXX, no one is able to speak with us, except for a specific department because we filed the complaint. When we call, we are placed on hold for extended periods of time with no response. In XX/XX/2019, I emailed Ms. XXXX   documentation requesting an extension due to financial difficulties. Ms. XXXX stated we would get a call back within one week. I have made numerous attempts to call, only to hold for extended periods and the phone call be dropped.

Mid Atlantic Finance has incorrectly charged off our account. We want to pay the account ; however, we are requesting modifications to the loan. We are requesting a loan modification due to financial difficulties with my son and my husband. Mid Atlantic is not our original lien holder. Our account was sold to them without our prior knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information because items are unknown to me. 
XXXX XXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, Oh XXXX, XXXX, Oh XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, XXXX, XXXX, OH Unknown TelephoneNumbersReported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX XXXX XXXX # XXXX XXXX XXXXviaXXXX   XXXX Partial Acct # XXXX XXXX XXXX partial Acct # XXXX XXXX XXXX XXXX Partial Acct 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 non-monetary relief
Consumer complaint received 2019-12-01 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: MN

Complaint narrative:
THIS COMPANY IS XXXX XXXX ACCT # XXXX IS APPEARING ON MY XXXX CREDIT FILE AS A CHARGED OFF CLOSED ACCOUNT. I DID NOT OPEN THIS ACCOUNT. THIS IS A FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY PERMISSION. ATTACHED TO THIS COMPLAINT IS A VALID UNALTERED POLICE REPORT SHOWING I AM A VICTIM OF IDENTITY THEFT. YOU MAY CALL AND VERIFY THE VALIDITY OF THIS POLICE REPORT, AS IT HAS BEEN APPROVED BY THE POLICE DEPT!!

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 2019-12-01 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: MN

Complaint narrative:
THIS COMPANY IS XXXX XXXX ACCT # XXXX IS APPEARING ON MY EQUIFAX CREDIT FILE AS A CHARGED OFF CLOSED ACCOUNT. I DID NOT OPEN THIS ACCOUNT. THIS IS A FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY PERMISSION. ATTACHED TO THIS COMPLAINT IS A VALID UNALTERED POLICE REPORT SHOWING I AM A VICTIM OF IDENTITY THEFT. YOU MAY CALL AND VERIFY THE VALIDITY OF THIS POLICE REPORT, AS IT HAS BEEN APPROVED BY THE POLICE DEPT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-ACCOUNT- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my 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 explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I have a " Virtual Wallet '' account with PNC that I've had for nearly a decade without incident. When reviewing my account this ( XX/XX/XXXX ), I notice a {$15.00} fee from PNC in XX/XX/XXXX and XX/XX/XXXX and call to see what it's all about. 

The customer service representative tells me I must not be meeting the requirements of the account ( for the first time in 7+ years mind you ). I tell them that I'll need to look into that, but it seems off to me since this has never happened before and that I wasn't notified to any changes to my account that would suddenly make me ineligible. I request a refund for the fees since I'm a long time, loyal customer and wasn't proactively notified that I was ineligible and would be facing charges. The customer rep tell me only one fee can be waived. I insistent that both be waived or that I speak with a supervisor to discuss the eligibility requirements further.

When I finally speak with a supervisor they discover that I DO in fact meet the requirements. So essentially, PNC was going to steal {$15.00} a month from my account because " I didn't meet account requirements '' that I DID in fact meet. And I had to proactively suss all of this by going through a 1 hr phone call and demanding to speak to a senior representative. How many others are being ripped off by this scam right now? PNC needs to make sure they are proactively communicating if customers aren't meeting standards and not just sneakily issuing fees that can get buried. Shame on them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-01 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: PENTAGON FEDERAL CREDIT UNION
State: MN

Complaint narrative:
ATTACHED TO THIS COMPLAINT IS A IDENTITY THEFT POLICE REPORT REGARDING UNAUTHORIZED INQUIRIES. WHEN I CONTACT THESE COMPANIES, THERE ARE NO OPENED ACCOUNTS IN MY NAME. SOME WERE CLOSED DUE TO FRAUD. I AM SUBMITTING MY POLICE REPORT PER THESE COMPANIES REQUESTS. SEE ATTACHED. THIS POLICE REPORT HAS NOT BEEN ALTERED IN ANYWAY, IT IS AUTHENTIC FROM THE POLICE DEPARTMENT.

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 2019-12-01 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: U.S. BANCORP
State: MN

Complaint narrative:
ATTACHED TO THIS COMPLAINT IS A IDENTITY THEFT POLICE REPORT REGARDING UNAUTHORIZED INQUIRIES. WHEN I CONTACT THESE COMPANIES, THERE ARE NO OPENED ACCOUNTS IN MY NAME. SOME WERE CLOSED DUE TO FRAUD. I AM SUBMITTING MY POLICE REPORT PER THESE COMPANIES REQUESTS. SEE ATTACHED. THIS POLICE REPORT HAS NOT BEEN ALTERED IN ANYWAY, IT IS AUTHENTIC FROM THE POLICE DEPARTMENT.

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 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have requested an increase to my credit limit multiple times and have not had it adjusted even though I have a high credit score, use my card regularly and have paid off my balances in full and on-time ( early in fact! ) through the life of the card, as well as having a consistent full-time job with yearly increases of my salary. In fact, while over a five year period my salary has increased by $ XXXX, while my credit limit has only increased by about $ 4k. It's starting to affect my buying power and credit score because I don't have enough credit to make the purchases I need and can afford. 

For over a year I have been denied increases with opaque reasons like " there has recently been a charge on this account '' and " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' When I call customer service they are unable to provide any guidance on why I am being denied and have agreed that I seem like a good candidate for increases, but there's nothing they can do because it's based on an algorithm. So to boil it down, Capital One can not tell me why their algorithm won't increase my credit limit ( when other credit cards have doubled my limit compared to Capital One ) and couldn't provide proof that the algorithm was mistaken, faulty or biased. They also couldn't assure me that a person would look over the account to ensure the algorithm is working correctly. The XXXX XXXX was recently shown to have an illegal gender bias and I can't help but wonder if that's what's happening to me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Square Recovery contacted me, by letter dated XX/XX/2019, about an unpaid balance on an account. The letter states that there is a negative balance of {$17.00} on the Square account ; and that I agreed to a digital invoice plan but they have not received my payment. Further, the letter stated that the account could be sent to a third-party collector.

I contacted Square after receiving the letter, and told them that I do not have a Square account ; and that I don't have a digital payment plan with them. They stated that I needed to file a police report and contact the FTC.

I did file a police complaint to indicate the fraud ; however, my complaint is against Square for creating a fraudulent account for someone else ; sending past due invoices to my home address ; and stating that they are going to involve a third-party collector for a fraudulent account. I asked them to resolve the balance by closing the account because it does not belong to me or my home address, but they would not.

Company response to consumer: Closed with explanation