vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One took 2 additional debts out of my checking account without my authorization on XX/XX/2018. One for {$100.00} and another for $ XXXX.This Iinturn caused my checking to go in the negative. When I called the rep was telling me I made them on my app, I told them I did not and they basically said their was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX sent me a fraudulent bill for a car I never rented

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This is second complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the 80/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I continue to receive repeatedly phone calls a day from these credit card companies below JP MORGAN CHASE CALLED XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Talbot, Adams, & Moore, Inc.
State: NY

Complaint narrative:
No comment just let them this not belong to me i dont XXXX anything

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I have 3 hard pulls and do not know who they are.

1. XXXX XX/XX/XXXX Pulled a hard pull on my credit without my consent.

2. XXXX XX/XX/XXXX - Pulled a hard pull on my credit without my consent.

3.XXXX XXXX XX/XX/XXXX Pulled a hard pull on my credit without my consent.

I also have 2 derogatory accounts that I have tried to resolve.

1. IC Systems XX/XX/XXXX 2. XXXX XXXX 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 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I continue to receive repeatedly phone calls all through the day from ( Walmart ) calls from different phone numbers such as XXXX XXXX XXXX also phone number 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 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
1. Credit report shows that XXXX that I lived at XXXX XXXX XXXX XXXX XXXX Ne XXXX I have never lived in XXXX , NE I have lived at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Iowa XXXX since XX/XX/XXXX. 

2. Credit report also shows I still work for XXXX XXXX XXXX I have worked at XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX 3. The Bankruptcy was related to my Wife 's failed XXXX  lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
Previously XXXX XXXX in XXXX, Tenn are using deceptive practices against customers they cant collect on and pulls their credit report for their revenge. Recently I had a fraud alert placed on my account XX/XX/XXXX and updated my NEW address in the state of GEORIGA where Ive resided since XX/XX/XXXX. Security Finance on XX/XX/XXXX pulled my credit report using my old information on file and phone number and obviously did not know I had an alert on my credit report. I did not authorize this inquiry and I would like for them to be audited to see if others may have been affected by this issue. After making this statement I will be calling the credit bureaus to dispute and have removed off my credit report. I did not authorize Security Finance in XXXX XXXX to pull my credit on XX/XX/XXXX 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 2018-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Good morning, Right now I currently have a pending transaction with Coinbase in the amount of {$650.00}. This transaction started on Monday XX/XX/XXXX when I was notified of the pending transaction. Typically these funds are available within 30-60 minutes. 

When the transaction was not finalized after 48+ hours, I submitted a help ticket through their website on XX/XX/XXXX. Case number # XXXX was assigned to my account. 

I first received an email on XX/XX/XXXX stating that my help ticket was received, but it may take a few days for a further response. 

I next received an email on XX/XX/XXXX from XXXX asking for screenshot pictures from my account of the transaction and where it was still shown as " pending '' and not completed. 
These pictures were sent on XX/XX/XXXX back to XXXX. 

I received another email on XX/XX/XXXX saying my photos were received and that they would be in touch when they have an update. This was the last response I have received back from Coinbase. 

I sent ( 2 ) follow up emails ( on XX/XX/XXXX and XX/XX/XXXX ) and have not received a response. I also called their customer service phone number but was not able to speak with someone ( I was at work and had to hand up after 50 minutes on hold )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called and sent transunion a letter about Inquiries that does not belong to me. Transunion was so rude and disrespectful to me. they stated I needed to call all the compaines and request them to be removed. I did that but the companies sent me back to transunion. Here is the list of Inquiries that does not belongs to me. their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX   XXXX  XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX   XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX via XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-02-06 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: STATE FARM BANK, FSB
State: MD

Complaint narrative:
State Farm Bank is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by State Farm Bank. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: MD

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by XXXX XXXX XXXX. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.

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 2018-02-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX  is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by XXXX XXXX XXXX. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX  is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by XXXX XXXX XXXX. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.

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 2018-02-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Previously XXXX XXXX in XXXX, Tenn are using deceptive practices against customers they cant collect on and pulls their credit report for their revenge. Recently I had a fraud alert placed on my account XX/XX/2018 and updated my NEW address in the state of GEORIGA where Ive resided since XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX pulled my credit report using my old information on file and phone number and obviously did not know I had an alert on my credit report. I did not authorize this inquiry and I would like for them to be audited to see if others may have been affected by this issue. After making this statement I will be calling the credit bureaus to dispute and have removed off my credit report. I did not authorize XXXX XXXX in XXXX Tenn to pull my credit on XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian on more than one occasion to dispute the validity of the reporting of XXXX XXXX XXXX listed under my credit file. They continue to simply mark this reporting as verified. However, another bureau 's investigation revealed XXXX XXXX XXXX   is not reporting a valid debt as there is no signed and dated Notice of Assignment from the original creditor. I would like to know what Notice of Assignment Experian has seen that no one else has received? I took it a step further and sent Experian a second request for removal and attaching a copy of the deleted reporting from the other bureau and still the reporting remains. I have already filed against XXXX XXXX XXXX for this reporting violation. It is only fair that I file against Experian as well, since I have reached out multiple times in the last six months for them verify compliance and validation for this error reporting under my name. Since this is not a new issue, I am only waiting 15 days ( XXXX2018 ) before I file a complaint with my Georgia 's Attorney General Office against Experian for violating my rights as a consumer who has asked on numerous occasion that this reporting be properly verified. Others have found no validity, yet Experian continue to say is it verified.

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 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have written several letters to Bank of America, who is falsely reporting my account : 1. They are falsely reporting that I made {$500.00} payments onXX/XX/XXXX andXX/XX/XXXXto account # XXXX to re-age the account. No payments were made.

2. They are falsely reporting an account number that I never had.

3. They are reporting the date of last payment as XX/XX/XXXX, yet report the date of first delinquency asXX/XX/XXXX, which is false and in an effort to keep negative information on my CR longer.

4. They are falsely reporting that this account meets FCRA requirements in the remarks section. The FCRA does not allow Bank of America to make false statements.

5. In XX/XX/XXXX, they reported the debt through form XXXX using the original account number and a different balance. Balance was incorrect.

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 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I had a medical bill from 2015 that I have a paid receipt for from the doctor This had just now this month shown on my credit report and not sure why I contact the collection agency and they say " the did not report this '' I offered to show them the credit report and they keep putting on on hold and saying they can not help This account as per the attached was paid directly to the doctor and never should have been reported. It always is reporting a balance that was paid over 2 years ago XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: AL

Complaint narrative:
I placed funds in an escrow account to cover repair expenses after closing on my home. I was advised I could pay for the repairs out of pocket and then be reimbursed from the escrow account that I put funds in before closing by submitting a draw request with receipts/bank statements and Notarized documents from the companies showing that a lien had not been placed on the property. I submitted all the information request yet NACA refuses to reimburse me from the escrow account that I put funds in to cover the repairs. I have reached out to them numerous times regarding this and request that someone from upper management contact me. All tries to resolve this have fallen on deaf ears. I have only gotten I reply that the funds are being applied to the principle of my home which is not what I requested. I want to be reimbursed for the repairs that I have paid twice for, furthermore the funds were not even applied to the loan. This has been going on since XXXX XXXX  2017.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2018 Please forward this to the Director ....

Good Day XXXX XXXX The recent news that the CFPB has opted to 'dial back ' the investigation of Equifax is inexcusable!

I am forever harmed ... repeat that I AM FOREVER HARMED by the Equifax breach. I can't change my history ; I can't change my social security number there is nothing I can do other than freeze my credit which I have done.

Do not let up on this probe, in fact it is paramount that the investigation perform a deep dive.

If criminal behavior is revealed, then the appropriate punishment, including time in a Federal Penitentiary should be included - even if it involves a high up Equifax executive ... that is probably influencing the diminishment of the probe.

Please do the job that we have entrusted you to perform and do it well.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted Transunion on more than one occasion to dispute the validity of the reporting of XXXX XXXX XXXX  listed under my credit file. They continue to simply mark this reporting as verified. However, another bureau 's investigation revealed XXXX XXXX XXXX   is not reporting a valid debt as there is no signed and dated Notice of Assignment from the original creditor. I would like to know what Notice of Assignment Transunion has seen that no one else has received? I took it a step further and sent Transunion a second request for removal and attaching a copy of the deleted reporting from the other bureau and still the reporting remains. I have already filed against XXXX XXXX XXXX for this reporting violation. It is only fair that I file against Transunion as well, since I have reached out multiple times in the last six months for them verify the compliance and validation for this error reporting under my name. Since this is not a new issue, I am only waiting 15 days ( XX/XX/2018 ) before I file a complaint with my Georgia 's Attorney General Office against Transunion for violating my rights as a consumer who has asked on numerous occasion that this reporting be properly verified. Others have found no validity, yet Transunion continue to say is it verified.

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 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I sent PORTFOLIO RECOVERY a letter asking them to verify this account belongs to me. They sent me old XXXX XXXX statements. THIS is not what I ask for. I want the Original contract from me and XXXX XXXX with my signture etc. If they can not give me this, please removed the account OFF my credit reports ASAP. I sent many letters and they have yet to provide proof. 

PORTFOLIO RECOVERY # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$4000.00} Date Updated : XX/XX/XXXX Original Amount : {$4000.00} Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : {$4000.00} Pay Status : >In Collection<

Company response to consumer: Closed with explanation