vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-10 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: CT

Complaint narrative:
I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to XXXX and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XXXX and was told it would be resolved in a few days My current mortgage company called them again on XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I have opened an account responding to PNC bank {$300.00} checking account promotion. The promotion stipulated a {$5000.00} or more deposit of new funds within 60 days of account opening in form of direct deposit. As XXXX XXXX I informed the account opening person that the amount of money will be deposited in several transactions including two coming from IRS and IL state govt as well as overseas wire transfers. I was told that it will be fine. Subsequently I left on overseas work assignment which lasted from XX/XX/XXXX to XX/XX/XXXX. 
In my absence I received two notifications from the IRS dated XX/XX/XXXX stating that two attempts by the IRS to deposit the {$4200.00} refund were rejected by the bank. I also received a notice from the IL Dept of Revenue dated XX/XX/XXXX that the {$990.00} deposit was rejected as well. I confirmed the account and routing number with both IRS and IL Dept of Revenue and I was also informed by the XXXX, IL branch mgr XXXX XXXX that the account info provided was a correct one. 
Subsequently as sign of good will I attempted to deposit the check for {$4200.00} drafted on both my wife and me to my account at PNC Bank but the check was refused. First the branch employees at XXXX, IL informed me that it is a federal regulation requiring the bank to have both check beneficiaries present at the time of deposit and the deposit will be performed only upon the successful conclusion of the ID check. The check was already signed by my wife. When I responded that I know provision of both Patriot 1 and 2 Act ( as journalist I covered this legislative product quite extensively ) and the provisions do not require both depositors to be present with their ID, the branch personnel changed their story that now it is " bank 's policy '' When I asked to see that policy I was refused stating that the policy is internal and proprietary and they are not required to show it to me. 
Subsequently I contacted the PNC Bank corporate and the company still didn't explain why both of my tax returns were rejected. As far as my paper check is concerned I was told that it is again " the internal policy, '' and the bank was within its right to refuse it. 
It is my belief that the bank purposefully rejected both electronic deposits totaling {$5000.00} so the transaction threshold qualifying me for the bonus would not be met therefore the bank wouldn't have to pay the account opening bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: MIB Group, Inc.
State: FL

Complaint narrative:
I dont have any of these sickness that have been place on my MIB report. I believe someone else information was placed under my name. Please reach out to my Physician for my up to date Medical records. 
XXXX XXXX XXXX XXXX Or fax number XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX or fax XXXX XXXX XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
Hello diversified consultants continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth diversified consultants has never responded to me. So how is expert an verifying this information. According to her phone call I had with a XXXX rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
By XX/XX/XXXX I was enrolled in a promotional offer with Bank of America expecting to receive a {$200.00} bonus for making {$20000.00} in qualifying deposits to my existing savings account and maintaining that balance for 90 days following enrollment. The full offer has been attached. 

According to the terms of the offer, Bank of America would deposit the bonus amount within 60 days. 

As of XX/XX/XXXX, which is well beyond the 60 days promised, no bonus has been deposited into the relevant account. 

I have attempted to resolve the issue directly with Bank of America through their telephone customer service line on XX/XX/XXXX and XX/XX/XXXX, and through their Financial Center located at XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX. 

During the XX/XX/XXXX interaction, a representative of Bank of America confirmed that the deposits made to the account between XX/XX/XXXX and XX/XX/XXXX met the qualifying deposit requirement of the offer and that up until the date of the call the appropriate balance had been maintained. The representative opened an investigation ( reference number : XXXX ). 

On XX/XX/XXXX, I attempted to follow up on the investigation with another telephone customer service representative. They provided contact information for the Incentives Bonus Team ( XXXX ) but were otherwise unable to provide additional information or resolve the issue. 

On XX/XX/XXXX, I attempted to contact the Incentives Bonus Team at the number above ; the Bank of America representative refused to discuss the status of my account promotion or progress of the investigation. 

On XX/XX/XXXX, I met with Bank of America representatives in person at their XXXX XXXX XXXX XXXX. The representatives reviewed my account and reached out to the Incentives Bonus Team but again were unable to provide any additional information. 

As of XX/XX/XXXX, two months after the expected bonus payout date, a satisfactory resolution has not been reached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello XXXX XXXX continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth XXXX XXXX has never responded to me. So how is expert an verifying this information. According to her phone call I had with a XXXX rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent 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 2018-05-10 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello XXXX XXXX continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth XXXX XXXX has never responded to me. So how is expert an verifying this information. According to her phone call I had with a XXXX rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: PR

Complaint narrative:
I have disputed some items listed on my credit file several times with no outcome of corrections. Nothing is being done. I need some help, as you know my state was impacted by Irma and we are trying to get our lives back in order. 

The issue is my mortgage states past due on my credit file which is NOT and hasn't been updated since XX/XX/2017. My credit will never get better unless some action is taken. The account was in affected area of the national disaster.

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 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
After several intimidating phone calls from XXXX XXXX XXXX XXXX, I made a payment of {$1100.00} to them. When I realized that I could dispute the debt, I requested for a signed legal binding contract from XXXX XXXX showing that they were assigned to collect the money they insisted that they were told to collect. They only sent bank statements. They never showed or sent any signed, binding contract with XXXX XXXX to collect the payment. Since they were not able to provide such information to me, I demaded that my payment be returned because they fradulently took my payment. I really want my hard-earned money back.

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 2018-05-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have several student loans with XXXX XXXX exceeding {$150000.00} balance overall. I have an income based repayment plan that doesnt even cover the accrued interest each month, so my balance increases. Each time my balance increases, my credit score plummets even though my payments are made on time and my account is in good standing. The parties in this issue are XXXX, Equifax, and XXXX XXXX XXXX. I cant have my score continue to plummet for no reason other than increased student loan balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I HAVE HAD MANY FRAUD TRANSACTIONS ON MY WELLS FARGO VISA CARD AND I HAVE REPORTED IT TO THEM EVERY SINGLE TIME THIS HAS HAPPEN TO ME.. EVER SINCE XX/XX/XXXX MY CARD HAS BEEN CHARGED WITH THINGS THAT I NEVER AUTHORIZED AND I NEVER DID BUSINESS WITH THESE SAID COMPANIES.. I WILL LIST ALL THE TRANSACTIONS ON HERE FOR YOU TO SEE. I KNOW XX/XX/XXXX IS VERY OLD BUT PLEASE IF YOU CAN SEE HOW MANY TIMES THIS HAPPEN TO ME AND WELLS FARGO VISA NEVER BACKED ME AS THERE CUSTOMER AND NEVER WANTED TO GIVE ME MY MONEY BACK. THEY WERE RUDE AND IGNORANT TO ME TELLING ME I WAS A LIAR, WHICH I AM NOT.. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX   XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX   - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX   XXXX  - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX   XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX THESE ARE ALL THE CHARGES THAT WERE POSTED TO MY ACCOUNT THROUGH THE YEARS AND I NEVER DID BUSINESS WITH ANY OF THESE SAID COMPANIES.. I HAVE TRIED TO CONTACT MOST OF THEM AND LOOK THEM UP BUT I HAD NO LUCK BECAUSE THE PHONE NUMBERS WERE DISCONNECTED.. PLEASE HELP ME GET MY MONEY BACK. PLEASE I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME..

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 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: D&A Services, LLC
State: MO

Complaint narrative:
After several intimidating calls from D & A Services to collect a debt for XXXX XXXX XXXX, I made a payment in ignorance to them on XX/XX/XXXX in the amount of {$100.00}. After I called XXXX XXXX XXXX to inquire about the account, I was told it was discharged and closed. Therefore D & A Services falsely impersonate themselves to collect this debt for XXXX XXXX XXXXXXXX. I requested D & A Services to provide me a legal binding signed  agreement between them and XXXX XXXX XXXX to collect this debt for them. They sent me copies of old statements. I sent a certified letter on XX/XX/XXXX asking them not to withdraw from my bank account until they are able to verify their legal binding to collect the said debt. They were not able to provide me with this information. On XX/XX/XXXX they withdrew the amount of {$270.00} from my bank account without my consent and still have not furnished the information requested. I called and requested a refund of ever dime they ever took from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have disputed some items listed on my credit file several times with no outcome of corrections. Nothing is being done. I need some help, as you know my state was impacted by Irma and we are trying to get our lives back in order. 

The issue is my mortgage states past due on my credit file which is NOT and hasn't been updated since XX/XX/2017. My credit will never get better unless some action is taken. The account was in affected area of the national disaster.

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 2018-05-10 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I have disputed some items listed on my credit file several times with no outcome of corrections. Nothing is being done. I need some help, as you know my state was impacted by Irma and we are trying to get our lives back in order. 

The issue is my mortgage states past due on my credit file which is NOT and hasn't been updated since XX/XX/2017. My credit will never get better unless some action is taken. The account was in affected area of the national disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
I got a call from the Cherrington firm in XXXX Utah and with out confirming they had the correct person the representative named XXXX provided the account details and amounts owed with out trying to make sure they had the correct person I do not have any documentation but I can get it and I do have a number which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and transunion both are reporting inquiries to my credit report that are not mined. I am a victim of identity theft and I've sent a copy of the police report to XXXX   by fax and received a confirmation that it went through, they're claiming they have not received it. Transunion provided me a fax number that the confirmation confirmed was a poor line and was not successfully submitted, they advised me to mail in a copy, but at this point I dont have the time as I am going through escrow, I've worked with them to remove all inquiries that do not belong to me and to no avail. both have provided me confirmation numbers XXXX # XXXX Transunion # 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 2018-05-10 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: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, the Credit Reporting agencies ( CRA ) provided Cavalry Portfolio Services access to my credit report although there was no legal reason to do so. I contacted the CRA 's who informed that the inquiry could not be removed nor could they provide me with the permissible purpose. I was instructed to contact Cavalry Portfolio directly at the address on the report for the legally permissible purpose. I sent a certified letter to Cavalry Portfolio at the address on the report and they have refused to respond. 
More than thirty days has expired. The letter was received on XX/XX/XXXX using cert number XXXX XXXX XXXX XXXX XXXX XXXX I have included a letter directly to the CFPB and a copy of the letter sent directly to Cavalry Portfolio by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/18 {$19.00} XXXX XXXX XXXX XXXX XXXX XX/XX/18 {$13.00} XXXX XXXX XXXX XX/XX/18 {$20.00} More for less XXXX CA XX/XX/18 {$13.00} Unauthorized charges were made on my account not be me or with out my permission I have my debit card pin written on the card anymore could have took it out of my bag in my car and used it. They told me I have to pay because I made changes from the town I live in XXXX  and XXXX are the two towns I shop in my bank is located in XXXX ca. I don't shop nor live in XXXX XXXX CA or XXXX  CA. They should request to view they taps

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2018 received letter saying verified account. The account is closed and charged off, but still reporting on my report. The company is XXXX XXXX XXXX XXXX  and XXXX XXXX  which sold the account to XXXX and ALL are reporting.

Company response to consumer: Closed with explanation