vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 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: MN

Complaint narrative:
The Minnesota XXXX XXXX is showing up on my report. I had an agreement saying that my arrears should be off my credit report. It should be in the courts records this matter should of been solved.

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 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I went to the PNC Branch ( XXXX XXXX XXXX, XXXX, PA XXXX ) to replace a lost Credit Card. The card I wanted to replace had a limit of {$1600.00}. A few days later I get a PNC Credit Card and I assume it's my replacement. 

However, I learned that it's a new credit card I DID NOT APPLY for. It has a limit of {$11000.00} and the interest rate is 5-6 % higher than my previous one. 

I contact PNC to show me where I signed-off on the new card application. Provided nothing. Contacted the branch, no help. 

I learned they were pretty much doing what XXXX XXXX was doing to incentives their employees buy opening as many accounts as they can. 

Additionally, my credit report doesn't even show this $ XXXX credit card on my report. 

I've been paying 23 % on this card which I NEVER applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to the credit bureaus, asking that they investigate errors on my credit report. As I understand it, they are supposed to respond to this request within 30 days. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Community Health Investment Company, LLC.
State: TN

Complaint narrative:
I had a medical bill from a visit to a hospital show up on my credit report 6 months approx after my visit. I was never once contacted by the hospital via phone, email, and regular mail to pay the bill. Also, my insurance company did not send me anything stating that I owed for a bill. The day it showed up on my credit report XX/XX/2019, I contacted the original credited and paid it in full on the same day in the amount of XXXX. They stated that they would report it as paid in full, however would not remove the collection information that was reported on my credit report from XXXX  XXXX XXXX. Had I known that I owed anything, I would have paid it immediately. I initial disputed this as fraud due to the fact that I was not notified via my insurance company or any other company that I owed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to the credit bureaus, asking that they investigate errors on my credit report. As I understand it, they are supposed to respond to this request within 30 days. They have not responded.

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 2019-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: WV

Complaint narrative:
We had went to XXXX XXXX XXXX in XXXX Oh, On XX/XX/XXXX. We received a XXXX dollar loan from them and signed to make 11 payments of XXXX starting on XX/XX/XXXX. We have paid them XXXX all the way up until XX/XX/XXXX. On XX/XX/XXXX I called to make the XXXX payment, I asked them how much I would owe on the loan to pay it completely off at the end of the month after making the payment of XXXX and the lady had told me XXXX. On XX/XX/XXXX I had called to pay the XXXX to close the account, that is when the lady said XXXX was due on the account now. I asked how that was because I just paid them 2 weeks ago and I told her that the lady I spoke to said there was XXXX left on the account. She asked how much I had and I said I have XXXX. They said they would take them but I would have to send in money orders because they couldnt take it from a credit card. So I went to XXXX I got a XXXX dollar money order, a XXXX dollar money order and then another XXXX dollar money order. I sent them in. After a month past we figured that they had received the money and the account was closed because they didnt call and say other wise. Now that a month has past they called two ago and said that they didnt receive the second XXXX dollar money order and now the account is past due but XXXX and is going to go up everyday. While on the phone with XXXX she started screaming and cussing at me. Her exact words were Well when you want to let me XXXX  talk then you XXXX  call me back mind you I had my phone on speaker with my XXXX XXXX XXXX beside because she cant understand whats going on but she sure heard that. Then she said we had until Friday to pay her the money on the account. Every time I would call and ask them how much was due even if I called the day before they would always say there was more money on the account and not by a couple dollar, by a couple XXXX dollars. We just keep dealing with it and paying them more money but now it at the point where we have paid them XXXX dollars and they keep hurrasing us for more money. The loan says that if we didnt pay them a single dime for a full year that we would owe them XXXX and which we have made every payment and then payed them XXXX dollars, which adds up to XXXX dollars and they still want XXXX and more everyday then we would basically pay them back XXXX like we have never made them a payment for the past year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
On XX/XX/2019, I contacted Portfolio Recovery Associates, LLC via certified letter regarding various daily annoying debt collection calls. I sent the attached CEASE and DESIST letter requesting documentation that supports why they believe the debt belonged to me and I received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: NV

Complaint narrative:
XX/XX/XXXX, there was a charge of {$35.00} to my account for XXXX XXXX 
XX/XX/XXXX, there was another charge of {$35.00} to my account. for XXXX XXXX 

I was told that these charges were because I did not submit a CERTIFICATION OF OCCUPANCY in a timely manner. 

I explained to them that I did comply in a timely manner. I had sent them a CERTIFICATE OF OCCUPANCY in XX/XX/XXXX and sent them proof of my compliance. 

I asked them to give me back my {$70.00} and they refused. I have made numerous calls and emails to them and they will not respond or give me back the {$70.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a notice that my credit score decreased by 20 pts from Experian. There have been no changes to my report and the XXXX and XXXX have not changed. All 3 reports show the same items on my report. Experian says there is nothing they can do. They did check and agreed that nothing showed on my report that would have caused a decrease in my score. But as there is no change they can not explain it. So there is nothing I can dispute other than the score. This affects me financially so someone has to be responsible to explain this to me and correct the mistake.

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 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITIBANK DISPUTE!!!! This account was closed after the first few uses, removed the authorized users on the account and paid it. Called the bank to close the credit card after payments were made, bank stated that it had been closed. Months later, come to find out I am in collections and the bank never closed the account and the person I had on the account continued to use the card without my consent. Therefore, these are unauthorized charges going into account. Called bank to resolve issue and find out why account is not closed and they stated they had no information. The bank stated that it was not their problem and I would be responsible for the balance. Credit card issuer still tries to collect a charge while its investigating my dispute. Please help me resolve as I can not come up with any other solutions. This is fraud that was done on my account by someone I previously authorized and then unauthorized. However, the bank continued to accept credit card charges after I specifically stated that I needed to remove all authorized users from the account and close the 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 2019-04-10 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Nationstar/Mr. Cooper finances my home. During hurricane Irma I suffered extensive damages, {$130000.00} to be exact. After a year and a half of trying to get this forbearance and modification complete I was finally approved for a loan modification ... .at the same time I settled my suit against the insurance company. 

While waiting for checks to pay the house off and start the repairs I applied for a {$5000.00} loan to tarp my roof so it doesn't fall in and have further damages and was turned down ... .BECAUSE NATIONSTAR/MR. COOPER HAS RUINED MY CREDIT. I was told that there is a derogatory report from Mr. Cooper on my credit that has ruined me. All because the whole state of emergency and hurricane damages, and they told me NUMEROUS times that this WOULD NOT AFFECT MY CREDIT!!!!! I have that on paper and recordings. So me and my XXXX son are out of a house because I can not protect it as I CAN'T GET A LOAN. The settlement has been canceled and they have have the house and the {$130000.00} worth of damages. I'm done. I've been approved for a loan modification but I've been late on my payments for over a year???? How exactly does that happen? Don't you think that had I NOT made my payments on time and in full that I would NOT have been approved for a loan modification?????? Well, I was, last month, XX/XX/2019. And how do I have {$220.00} of UNAPPLIED FUNDS but I'M BEHIND ON MY MORTGAGE??????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was misled into paying for over priced school that has lost it accrediationn and closed down after going back to attend.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been trying to fix my credit report for a while now. I believe I am a victim of identity theft. When my credit was pulled 2 years ago ( 2017 or so ) there was a lot of misinformation. The report actually showed that I was deceased. I am very much alive. So, I contacted XXXX and sent in my information by mail, and not only was my issue never resolved but no one ever contacted me. When I called in to check on the status of the credit report errors, I was informed that they hadn't received anything by mail. And so, I'm stuck with the same issue. My SSN is not recognized by XXXX, XXXX XXXX, or any of the credit bureaus. I can not check 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 explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax fails to mail free credit reports when requested from ( XXXX ) XXXX I did not receive it this year nor last year. My husband did not receive his either. 

We have no problem with XXXX or XXXX. 

They make it difficult and time consuming when you complain. 

On XX/XX/19 I dialed ( XXXX ) XXXX and requested my free annual credit report from Equifax by mail. It never arrived. I phoned Equifax on XX/XX/19 and they needed to verify me. I spoke to supervisor XXXX # XXXX I answered reasonable questions : name, address, SS #, DoB, etc. 

Then had to answer : Name of company and recurring amount paid. 
I have no recurring amounts, I explained I pay balance in full each month. 
I gave them a bank and minimum required as listed on my bill. 

Last time I filed a dispute. 
I am XXXX. I don't recall ever filing a dispute with Equifax. 
I told them the date on the letter they sent me when I filed a fraud alert. 

I told them the date I filed a credit freeze. 

I also gave them the reference number from last year 's report. 

They said they could not verify my identity and I would have to send them 2 forms of ID by mail or FAX. 

They have consistently failed to mail free reports. 
Please investigate their practices and have them comply using normal procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 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: AL

Complaint narrative:
Contacted EQUIFAX & XXXX multiple times regarding items on my credit report ( bankruptcy ) that does not belong to me. They claim that they verified the information with a third party and confirmed it belongs to me. I contacted the court in person and was told that they don't provide any information to a third party and there was no record of any inquiries from the credit bureaus concerning me. It's almost like anyone can randomly call the credit bureaus or send them a file about a person and they don't verify but just add the information to the credit file. The court provided me with a letter stating the facts. I provided the letter to Equifax/XXXX and they reinvestigated. They now claim that the information was confirmed by the third party again. I even contacted the third party again ( XXXX ) and was told that no one had verified verify with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have asked Experian to send me a copy of my report and they have failed to do so.

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 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
30 days ago I sent a dispute letter to Portfolio Recovery asking that they verify that I owed the debts that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i have 2 personal credit cards with capital one. 
all of the sudden they clased both of my accounts without any comunication, which hurts my credit score and iwhich is very costly i contact capital one several times after after spending a lot time, finally somone got back to me, telling me that they closed it because an activity that wasnt the way they they expected, they dont wan na tell me which activity, this is so ridiculous and very costly, since their activity is hurting my credit score

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Trying to locate a $ XXXX CD from a failed bank, XXXX XXXX XXXX XXXX, that was acquired in 2014 by XXXX XXXX XXXX or CIT Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I submitted and disputed this medical dept saying that is owed. I submitted validation letters and they deleted everyone but this one in the amount of {$440.00}. I'm not responsible as proof has yet to be submitted.

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 2019-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
Hello, My husband and I refinanced on our mortgage with FBC  on XX/XX/XXXX. We went from FHA loan to Conventional loan. Everything went well. We've had several mortgages with this lender. Our first payment was due on XX/XX/XXXX for {$1900.00}. We made our payment on XX/XX/XXXX. 
The end of XXXX we received an letter from FBC stating they sold or loan to XXXX XXXX- XXXX XXXX.I contacted XXXX XXXX the lender and was told that my paperwork and statement will be mailed to us within the next few business days. I called XXXX XXXX again the third week of XXXX and finally was able to get an account number to set up our account online to make a payment on XX/XX/XXXX we made our XXXX payment for {$1900.00} which was deducted from my account on XX/XX/XXXX. 

I've recently checked my credit report and saw that for the month of XX/XX/XXXX my husband and I were reported negatively that we were 30-90 days late with FBC Bank. This is inaccurate and we will like this matter to be rectified and immediately. We are doing another refinance and not only it's hindering our approval it's impacting our credit scores.

Company response to consumer: Closed with explanation