vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my Bank of America Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my XXXX mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he Bank of America and XXXX mortgages were paid off in XXXX on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.

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 2020-06-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I wrote a letter to EQUIFAX on XX/XX/2020 asking them to investigate some accounts. They responded on XX/XX/2020 that the accounts were verified. I asked for a description of the procedures on XX/XX/2020 and have yet to receive a response at all with the information requested. Here 's the list of accounts. 
XXXX XXXX XXXX XXXX balance {$5300.00} US DEpt of Education $ XXXX XXXX {$760.00} XXXX XXXX {$6.00} XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: OR

Complaint narrative:
This company called PENN Credit collections has put a negative remark on my credit report. I see allot of negative reviews nationwide. I know I cant reason with them All I see is a false claims from Utilities from year XXXX for {$430.00} All it says. I am disputing this Probably just trying to bilk me out of monies. 
If thats all I see then my thought is Fraud This company should be closed by the Government ripping people off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
this process took more than 30 days on XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I did not hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these people yet

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 2020-06-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
this process took more than 30 days on XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I did not hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these people yet

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 2020-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had a credit card with Belk for some time and recently I checked my credit balance and my credit limit was lowered for some unknown reason. I have not filed Debtors Court or Bankruptcy and the account has always been paid in a timely manner so now out of the blue they decide to lower my credit limit. This is a hit on my credit history because now it looks like I have maxed my credit out and it shows that I have little available credit. This is an unethical practice that I suspect is based on their customers race because I would be willing to bet they are not doing this practice across the board. This is a very discriminating practice that they should not be allowed, and I am asking that someone will look into this new practice that they have put in place.

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 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates LLC, Has maliciously and and with disregard for correct legal policies for their practices. 
They call my parents house 3-5 times a day, some before XXXX and some after XXXX XXXX. Even after they have requested them to stop calling. 
PRA is trying to collect a debt that was charged off by XXXX XXXX, by writing it off as bad debt on their tax submissions, making this debt not illegible to be sold to a debt collector, making PRA illegally trying to collect an invalid debt. 
The also are reporting two separate debt accounts across three different credit bureaus, which while they are the same 'acccont ' they are listed as two different accounts with different account numbers. 
As is my right with the Fair Debt Collection Practices Act ( Including but not limited to Section 8070-8 ) and the Fair Credit Reporting Act ( including but not limited to Section 623-b ), I have repeatedly requested verification of evidence bearing my signature, or that the account is indeed being reported accuracy. I have also requested the description of the procedure used to determine the accuracy and completeness of the information, which has still not been provided. 
Additionally, as is my right, I asked for the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they 'verified ' without providing any proof, bearing my signature. 
AS PER FTC OPINION LETTER FROM ATTORNEY XXXX XXXX XXXX, A PRINTOUT OF A BILL OR ITEMIZED DOCUMENT DOES NOT CONSTITUTE VERIFICATION. 
Yet that is the only thing they have provided, even writing to say they see the dispute as closed, which they can not do, without providing the above mentioned information within 30 days. Which they did not. The only legal recourse is for them to remove this collections from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To whom it may concern : I have made numerous attempts at contacting Chase to file a claim regarding an incident that occurred on Sunday XX/XX/XXXX at XXXX at a local branch in which a stranger deposited a fake check into my account and then withdrew {$950.00} from my checking and left. He had done this despite my efforts at telling him not to. I contacted Chase immediately after andI filed a police report and Chase reps reported that they would file a claim. During that same week {$900.00} had been returned to me as a conditional credit in lieu of their investigation and just today I saw that the claim had been reversed and the {$900.00} had been taken out of my account. I have spoke to the chase reps and none of them have been able to help me. They either tell me to hold ( up to hours ) or they tell me that they will " look into it '' and never get back to me. I would like to know why the claim has been reversed. I read online similar incidents from people who also have Chase. I would like to have a supervisor from Chase contact me so that I may speak to them about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XX/XX/2020, I started an application and communicating with XXXX XXXX of Freedom Mortgage. Communication was static at times and I tried to be understanding that there is an influx of homeowners trying to refinance with the low rates. I paid the an appraisal fee of {$480.00}, submitted all the paperwork, signed all the documents and a week before closing ( XX/XX/XXXX ) tried to contact XXXX with no success. On the day of closing, I tried to contact XXXX again with no success, and then called the Escrow company. Escrow company said they had my paperwork, but did not have the funding documents. 2-3 days later, I was able to get a hold of XXXX and he said there was an issue in underwriting and he was trying to get it corrected and would contact me back. That was the last I heard from XXXX XXXX. After reaching out to the main company, another employee XXXX XXXX contacted me and told me that XXXX was no longer taking care of my mortgage. I shared my concerns and he told he would pass that information on to his manager to contact me. Since XX/XX/XXXX, I have only been able to get in touch with XXXX XXXX. XXXX has been a great employee, he returns my calls and emails. But he is in training and can not be my loan officer. He tells me that he has been telling his supervisor that I have been calling, but I have not received any communication via phone or email from the company. 
XX/XX/XXXX, I asked XXXX to refund my deposit and he did. 

My complaint is that I paid a deposit and sent this company all my personal financial information. They pulled my and my wife 's credit report twice, which has lowered our credit score. I have already lost over {$3000.00} in savings if this loan had closed when it was supposed to. if I went with a different company, I wouldn't have been waiting on Freedom Mortgage and would have saved {$3000.00}. This is costing me money. 

If I decide to move forward with another company, my credit score has already been lowered because of Freedom conducting a credit inquiry. This will affect my opportunity to get a low interest rate, which will cost me thousands over time. 

Will Freedom contact me and do something expeditiously to make this right?

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 2020-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX Credit card payment was due on XX/XX/XXXX. I submitted the payment via bank ACH transfer on the XX/XX/XXXX. The process date was set for XX/XX/XXXX. Email was sent from XXXX XXXX that payment request has received on XX/XX/XXXX at XXXX " This is a confirmation of your one-time payment authorization made by way of an internet connection '' on XX/XX/XXXX at XXXX, they sent another email Thank you for your payment This is confirmation that your payment toward your XXXX XXXX  credit card has been processed. Thank you for your timely payment. 

our payment details* PAYMENT AMOUNT $ XXXX DATE PROCESSED XX/XX/XXXX *Accurate as of XX/XX/XXXX. 

Apparently, the bank didn't process the payment due to the error in the account number submitted. But I had no idea at all that it happened. Based on the email sent 2+ days later, my conclusion was the payment was process on the XX/XX/XXXX and everything is good. 

They charged me late fee and financial charge and they didn't notify the bank denial in time so that I can rectify the situation. They just charged the fees in the next statement and we were notified about the next statement on XX/XX/XXXX. 

After discussing with the customer service, they will not accept their liability in stating they processed the payment and won't waive the financial charge. I ended up setting up another payment on XX/XX/XXXX. 

They should not communicate that they processed the payment and thank me for making timely payment, only to turn around charge me without providing me any communication about potential late payment and letting me fix it before the due date. 

Terrible company to work with. This is not their only poor customer service we experienced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Inaccurate information on credit report. Incorrect Social Security number XXXX XXXX  - {$1700.00} DOES NOT BELONG TO ME HARD INQUIRIES- XXXX  XXXX XXXX XXXX XXXX XXXXDOES NOT BELONG TO ME HARD INQUIRIES-CITBANK NA., BEST BUY -DOES NOT BELONG TO ME HARD INQUIRIES- XXXX  XXXX XXXX XXXX -DOES NOT BELONG TO ME HARD INQUIRIES -XXXX XXXX- DOES NOT BELONG TO ME HARD INQUIRIES-XXXX XXXX- DOES NOT BELONG TO ME HARD INQUIRIES-XXXX  XXXX - DOES NOT BELONG TO ME

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 2020-06-27 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: TX

Complaint narrative:
INACCURATE INFORMATION ON CREDIT REPORT. WRONG SOCIAL SECURITY FTC VIOLATION XXXX/XXXX XXXX - {$1700.00} - DOES NOT BELONG TO ME HARD INQUIRIES - US SM BUS ADMIN XXXX, XXXX   XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX 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 2020-06-27 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Got frauded in XX/XX/2018 They caught the fraud told me then closed my account i sent them the stuff they asked for .It wasnt me .They never tried to comply. About whi did it just wear it was done on XXXX XXXX.from a  hacker .need this matter resolved so i can have my credit card back or new one sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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 is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
The eviction was dismissed The amount owed is 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 2020-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Fraud activity pnc bank. Closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: TX

Complaint narrative:
INACCURATE INFORMATION ON CREDIT REPORT. WRONG SOCIAL SECURITY FTC VIOLATION XXXX/XXXX XXXX - {$1700.00} - DOES NOT BELONG TO ME HARD INQUIRIES - US SM BUS ADMIN XXXX, XXXX   XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: TX

Complaint narrative:
INACCURATE INFORMATION ON CREDIT REPORT. WRONG SOCIAL SECURITY FTC VIOLATION XXXX/XXXX XXXX - {$1700.00} - DOES NOT BELONG TO ME HARD INQUIRIES - US SM BUS ADMIN XXXX, XXXX   XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX 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 2020-06-27 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: GA

Complaint narrative:
This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..

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 2020-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Fraud activity pnc bank. Closed account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Won't allow me to connect my bank to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: VA

Complaint narrative:
ACCT:XXXX This was promised to be deleted from Credit Report not paid in full or settlement but totally deleted. Delete now. Please read notes XXXX XXXX XXXX XXXX XXXX XXXX VA 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 2020-06-27 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: GA

Complaint narrative:
This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..

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 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union is refusing to remove two revolving accounts that have reached their Statute of Limitations. 
XXXX  and XXXX are no longer by law in NYS to proceed with collections regarding these accounts. There is nothing that the consumer is able to do other than file a court document vacating the two accounts from Trans Union. These accounts are no longer legally enforceable. I have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired.

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 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC changed thier policy and now I can not link my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Razor Capital, LLC
State: AR

Complaint narrative:
RAZOR-CAPITAIL OWNS XXXX ACCOUNT NO.XXXX, LAST PAYMENT WAS XX/XX/XXXX, AND THE STATUES OF LIMITATIONS ARE EXPIRED AND MUST BE REMOVE BY ANY OF THE THREE. ALSO, ACCOUNT WAS LISTED IN MY CHAPTER XXXX BANKRUPTCY DISCHARGE THIS TRADELINE IN MY BK XXXX XX/XX/XXXX. WE ARE OPENING OUR BK SOON AND SUING RAZOR-CAPITAL AS WELL AS XXXX ALONG WITH XXXX IN ADVEERSIAL PROCEEDING SEE DISCOVERY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation