vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX Bankruptcy cas no XXXX date of birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX date XX/XX/XXXX My complaint is with XXXX and Transunion credit bureaus the problem is XXXX and Transunion are reporting information they obtained from a third party. That not report accurate ( XXXX, pacer XXXX XXXX XXXX, ( XXXX, XXXX XXXX, I contact these company to freeze the account. I disputed the information of the bankruptcy with XXXX and Transunion, I have supporting documents to support the information. The US BANKRUPTCY COURT dose not report to XXXX and Transunion they refused to remove the reporting bankruptcy. this is violation of credit reporting third party, Disputed this information this month XX/XX/XXXX. attachment thank you your assistant sincerely 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 2018-10-29 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: GA

Complaint narrative:
The credit agencies is incorrectly reporting that XXXX/XXXX  was late in XXXX - XX/XX/XXXX ; XXXX and XX/XX/XXXX.This is inaccurate information reporting on my credit 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 non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX XXXX XXXX is trying to collect on a debt for XXXX that is not mines. I do not have a contract with this company or any debt with this company.

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 2018-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
2008 FHA loan for first time buyers included tax and insurance on payment. 
XXXX on small 2 bedroom home. FHA inspector committed fraud on inspection and did not report rigid copper used for gas line going to dryer. Home also had bad sewer line not reported by seller or inspector. Next we did a loan to change the way the taxes and insurance were paid but they told us it would stay the same lying to us about what is actually done on a home loan and failed to tell us it would not be FHA but bought by the bank and the whole payment went to them instead of paying off the home. Failure of full discloser by PNC bank is illegal and we want them to pay for lying to us about the loan and also it was only suppose to cost XXXX dollars to switch to the new mortgage to keep it the same on FHA but with us paying the taxes and insurance. The loan officer lied to us changing it to a home equity account without us being told where the payments went or about the change from FHA to their bank without our knowledge and their failure to disclose this to us at the time it was done. They also illegally kept the spouse off the deed and under the law they have to be included even if they aren't on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: GA

Complaint narrative:
The Credit Agencies are incorrectly reporting that I was late on my XXXX/XXXX account. Please help me to remove these inaccurate late payments from my credit profile. I was never 30 days late XXXX or XX/XX/XXXX ; and 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 non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened my account with PNC bank on XX/XX/XXXX and funded it with XXXX dollars. I never received a debit card. 

I called on XX/XX/XXXX and was told the only way to access my account was to have another debit card sent to me for a charge of {$7.00}, even though I never got a card. 

I then tired to close my account and was told it would cost {$25.00}. 

This is insane. They want me to pay them to access my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: CA

Complaint narrative:
On XX/XX/18 I realized that I never received an email for my XX/XX/18 billing statement due XX/XX/18. I emailed XXXX  XXXX and let them know that I did not receive my bill. They suggested that it may have gone to spam, which is weird because it never had in the few years I have been paying back my loan. It was not in spam. The next month, I again did not receive my billing statement via email ( the missing XX/XX/18 bill was noticed as missing XX/XX/18 ). I again emailed XXXX XXXX, who again suggested that it was probably in spam ( it was not ). I asked for a copy of the server log to prove that the emails from the last two months went out, and they refused to provide this information. I do not believe that they ever sent the billing statement to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received two collections letters from XXXX XXXX XXXX ( aka XXXX XXXX ) on behalf of U.S. Treasury. I promptly wrote to them and provided evidence of identity theft for data services. Instead of addressing the issue, they processed my information as a " inability to pay due to financial hardship '', and mailed me a 5-page financial statement form to complete.

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 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I respectfully request an Investigation on the automobile manufacture Toyota, CEO XXXX XXXX, CEO XXXX XXXX, and CFO XXXX XXXX as I have been complaining to Toyota in reference to their possible deceit with their vehicles reported Miles Per Gallon ( mpg ) and fuel efficiency. I am stating that Toyota is possibly falsely marketing and advertising that their cars are getting a higher miles per gallon than they are actually getting, possibly conspiring to commit fraud against me, and the United States Consumers, possible Wire Fraud and Violations against the Clean Air Act, possible collusion, possible Obstruction of Justice and Importation of goods through false statements, also possible Predatory, Deceptive and Unfair Trade Practices, to include fraud, forgery, and perjury. 

In their letter to me, dated XXXX ( attached Exhibit 1 ), through the statements of the Toyota Attorneys XXXX XXXX and XXXX XXXX, they affirm that the Toyota on-board computer was reading ( XXXX mpg ), which is almost 16 miles per gallon more than what the vehicle was actually getting and the marketing of the miles per gallon in this vehicle. In this letter, they showed pictures of what the on-board computer was displaying, then copies of what the actual miles per gallon received, which was XXXX mpg ( Exhibits 2, 3 4 Gas Receipts dated XXXX ). That is almost a 16 miles per gallon difference, proving the possible felonies above. 

I sent Toyota 2 letters ( attached Exhibits 5 and 6 ) complaining about my low gas mileage that I was getting in the new Toyota XXXX XXXX XXXX  I bought from Toyota above. I have been complaining to Toyota since I first received the XXXX car in XXXX about the low miles per gallon, which I was receiving about 50 % less mpg ( about 37 mpg ) than what was told to me by the Sales Manager and General Manager from XXXX XXXX XXXX XXXX XXXX XXXX ( 65-69 mpg ). I had called the Sales Manager over 10 times requesting advice on how to get the gas mileage that he and the General Manager had promised me, along with the XXXX XXXX ( attached Exhibit 7 Window Sticker ) which was the only reason why I bought the car. The XXXX Label was at least 10 miles per gallon higher than the actual miles per gallon received. This in itself may be predatory trade practices. I took my Toyota to the XXXX XXXX XXXX XXXX dealership on 3 occasions speaking with the service manager XXXX XXXX for the service department to check the electric motor and batteries to determine if there was a problem. At each inspection, the result was the same : The vehicle is in perfect working condition as it was meant to work and operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Local Data Recovery, LLC
State: KS

Complaint narrative:
Received a call this morning from XXXX ext XXXX. Caller did not state her name clearly. Claims " the attorney '' is going to file a wage garnishment against me today in my county for a debt of {$1500.00} Refused to provide information about supposed debt other than to tell me the company is " XXXX '' through XXXX and that the last payment I made was for {$30.00} on XX/XX/XXXX and the account was closed in XX/XX/XXXX.  Claimed that many letters, emails and phone calls have been sent to me by 5 different collection agencies. Would not tell me the name of the collection agencies. Kept informing me that " the attorney '' allows 1 courtesy call before filing a wage garnishment. I asked for clarification on if I was being sued for debt collection. She stated they are not a debt collector and I was not being sued - that a court order for wage garnishment will be filed today. Still would not give me any information. I told her I would do some research and call her back today. Then I checked my credit reports and found no record of this debt. I then called XXXX directly and was told there was an old debt, then I was provided with an address with XXXX to request the documentation in writing. The XXXX representative was very nice and told me to contact the supposed law firm and " request validation of the debt ''. I called the " law firm '' back and, requested a validation of the debt but was told " we can validate the date but we have to go ahead and file for wage garnishment today, you'll get served papers and you can review the documents at that time. '' I asked for the company name and address so I could make my request for debt validation in writing. Instead I was given directions on how to look up their corporation address through SIS.GA.GOV, corporations business search. I now have to A ) write a letter to XXXX for information and B ) go through several online steps to simply obtain an address for this supposed law firm so that I can make a written request for validation of the debt.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: GREAT WESTERN BANCORP, INC.
State: IA

Complaint narrative:
XX/XX/2018 I sold a XXXX through XXXX XXXX XXXX here in the XXXX XXXX IA. XXXX   XXXX  Check  is through Great Western Bank here in XXXX XXXX IA. He mailed my check to me and I went to Great Western Bank XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX phone # ( XXXX ) XXXX and was told I need to pay a {$5.00} check cashing fee due to I am not a member of their bank. I refuse to let them blatantly steel my money. The check a issued by their bank and I will not pay the fee. I went and talked to the Branch Manger XXXX XXXX and she attempted to lie to me that all financial institutions charge this fee. I told her I will go file a complaint with the Feds and she told me to go ahead. I went to one of my banks and ask them if the same scenario a would happen, would the person be charged and my bank said no. Great Western Bank is a lier and thief. My complaint is filed.

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 2018-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit agencies is incorrectly reporting that XXXX/XXXX  was late in XXXX - XX/XX/XXXX ; XXXX and XX/XX/XXXX.This is inaccurate information reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: MO

Complaint narrative:
I was never informed of this debt, nor do I have any knowledge of this account. This is reported on my credit to all 3 credit reporting agencies and is negatively affecting my credit. I was never sent anything in the mail, and when I disputed they still are fighting the validity of the debt however was never afforded the opportunity to challenge this account. 

I have contacted the company multiple times, and they do not give me any help, stating they sent something but it was not to a current address. This item should be removed off my credit report as I have no knowledge of this account and was not given the opportunity to dispute the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit agencies are incorrectly reporting that XXXX is showing 30 from XX/XX/2018 to XX/XX/2018. I was never late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weinstein & Riley, P.S.
State: WA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX email : XXXX Attention XXXX XXXX Weinstein & Riley PS XXXX XXXX XXXX, Suite XXXX, XXXX, WA XXXX Re : XXXX XXXX XXXX XXXX balance paid on XX/XX/XXXX still shown outstanding. 

Dear Ms. XXXX : I spoke to you on XX/XX/XXXX, over six months ago about the payment made through your firm for {$2900.00}, [ see enclosed return check in full and final settlement ]. I am the principal in this matter, and regardless of my legal representation, you owe me an absolute duty not to represent false information in court. 

It is your responsibility as a creditor to keep an accurate record of any balances due, including payments made, such as payment made on XX/XX/XXXX. You have 30 days from the receipt of the payment to update the Claims Register in the US Federal Bankruptcy Court in  XXXX for case XXXX. 

You are now over 180 days in default of this obligation. Please treat this as the final notice should you fail to update the Claims Register within the next 4 working days. 

Yours Sincerely, XXXX XXXX XXXX XXXX : Copies of phone call transcripts with you and your firm, return check & Claims Register. 

Cc ; XXXX XXXX attorney for XXXX XXXX, Federal Trade Commission Complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
My dad passed away in XX/XX/2017. There is a beneficiary deed on file that names my XXXX brothers and myself ; we have since transferred ownership with the city assessors office to our name. The mortgage company has been faxed & emailed this documentation four times now over the last 4 months. They continue to ignore our requests or make the process simple to finalize the Successor In Interest. I have escalated the complaint to the supervisors and continue to receive zero response. It's almost as if they are trying to force us into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
Select Portfolio Servicing has no Explanation as to How Or Why the {$1400.00} is reflected on credit report and Not on my account with them! 

Hi, So I am reporting of what I believe to be Unfair Lending Practices. Long story short, I am getting out of long nasty marriage, attempting to fix my credit after years of me trusting spouse on finances. Paid mortgage on time last 14 months, until spouse stopped paying support money in XXXX, SELECT PORTFOLIO SERVICING said they will modify my loan, I advised them I might refinance to do some repairs ... ..3 days later my credit took a 71 point Hit due to SELECT PORTFOLIO SERVICING raised my Balance amount {$1400.00} which took my mortgage balance from {$86000.00} to {$87.00}, XXXX in XXXX!!! This I believe was done to PREVENT ME FROM REFINANCING, instead I would be Forced to modify with SELECT PORTFOLIO SERVICING! My statements and all my account info at SELECT PORTFOLIO SERVICING, shows the original balance of {$86000.00}!! When I spoke to them they couldn't answer for the added, {$1400.00} reported to my credit report! 
I am requesting that this {$1400.00} be removed from my mortgage balance with the credit bureaus ASAP,, Can you please help or tell me what to do? I am working so hard to repair my credit and this is devastating!! 

Thanks so much for any assistance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2018 email : XXXX Attention XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX Re : XXXX XXXX Paypal Credit balance paid on XX/XX/XXXX still shown outstanding. 

Dear Ms. XXXX : I spoke to you on XX/XX/2018, over six months ago about the payment made through your firm for {$2900.00}, [ see enclosed return check in full and final settlement ]. I am the principal in this matter, and regardless of my legal representation, you owe me an absolute duty not to represent false information in court. 

It is your responsibility as a creditor to keep an accurate record of any balances due, including payments made, such as payment made on XX/XX/2018. You have 30 days from the receipt of the payment to update the Claims Register in the US Federal Bankruptcy Court in XXXX for case XXXX. 

You are now over 180 days in default of this obligation. Please treat this as the final notice should you fail to update the Claims Register within the next 4 working days. 

Yours Sincerely, XXXX XXXX XXXX Enc : Copies of phone call transcripts with you and your firm, return check & Claims Register. 

Cc ; XXXX XXXX attorney for XXXX XXXX, Federal Trade Commission Complaint

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 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX after my mother died I called Capital one and canceled my mothers card. I was contacted by my father who is XXXX and was told that he can't reorder his drugs or buy food since his card was also canceled I spoke with multiple reps and supervisors and they refused to reinstate or send a card without a 10 day investigation. They even claim it was canceled by the automated system which is not true. I called and they didn't ask for a death certificate but only for her card number which is different. She was not the main holder and almost everyone agreed his card should not have been canceled. I spoke with supervisor XXXX and XXXX agent # XXXX. I have e-mailed corporate and everyone refuses to help. My dad is very frail after my Mom 's recent death and twice they called him on the phone and got authorization for me to speak but didn't even note it. 

I have spent hours on the phone and no one will help. Even contacting corporate was no help. They say they have no other process to help. My father nor I needed this type of uncaring company response.

Company response to consumer: Closed with non-monetary relief