vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/2020 I submitted dispute letters prepared by my Paralegal according to the Fair Credit Reporting Act and requested in the letters the names of the individuals at Experian XXXX XXXX and XXXX  to provide me with the information that they used to verify the accuracy of the disputed items published on my credit reports. I requested credit applications used to open these disputed accounts reported on my credit report is truly me. These Bureaus publish information taken from any creditor without first validation of the accuracy of the information published and have been doing this for years in violation of the FCRA and getting away with it just like police officers and their XXXX acts. I requested copies of updated credit reports, names if the individuals who verified these accounts application used to open the accounts and any pertinent information they claim identifies me as the individual who opened these accounts. We have a non profit group of individuals who are preparing the same letters to combat the frivolous fraudulent information published on individuals credit reports unverified for monetary gain from the credit bureaus. We are going public on the radio announcing what the credit bureaus are doing and offering FREE service to assist in disputing wrongful information on XXXX XXXX  credit reports with the intention of bringing a class action lawsuit against these agencies.

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 2020-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MO

Complaint narrative:
My husband and I recently purchased a boat from XXXX XXXX XXXX. We did indirect financing through the dealer with Huntington Bank. We signed all required loan documents on XX/XX/XXXX. The bank repeatedly told us that they were behind because of unusually high volume. We continually checked in with the bank. They were not able to disburse funds to the dealer until XX/XX/XXXX. This was due to the bank 's backlog. I received my loan information in the mail and set up online banking where I discovered that the bank charged me interest on the funds prior to receiving them. The principal balance = {$30000.00}. Interest rate is 5.49 %. Interest due = {$86.00} which means they have charged interest since XX/XX/XXXX ( 19 days as of XX/XX/XXXX ). The bank caused our loan to be a week late in disbursement and then backdated and charged us finance charges for the time that we did not have the funds or possession of the boat. I expected interest charges for 12 days in the amount of {$54.00}. I understand that the difference of {$32.00} is not a lot of money. However, if they are delaying every customer and backdating all of their financing to periods where funds are not disbursed, the bank is taking advantage of their customers and the amount could be substantial. I did call the loan customer service department at the bank and explained the issue. I was was told there was no way to waive the overage in interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX castellanos XXXX XXXX mdpa all XXXX XXXX XXXX ftc violations that was 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 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Someone checked my credit and processed an mortgage application, then sent me docs for signatures without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It happened again!!!! 


Trans Unionhas stolen money from my XXXX accnt!!!!! TU did that again!!!! 

Again!!!!! 

I just checked thismorning! This is Monday, XX/XX/2020! 

T U stole money from me again! Again! 
They did that duringa time of global emergency! 
During the coronavirus crisis! 
That is shocking! 
I used to think that T. U. was better than that!

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 2020-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
I received a notice from Midland Credit Management on XX/XX/20 about a supposed credit card debit from XXXX XXXX XXXX. The they originally contacted me three months ago, I disputed this, but. when I reached out to them again today they said that their records were correct. 

I have knowledge of ever apply for credit with this bank. I have never received any credit card from them nor have I received any type of statements. I do believe someone opened this account in my name without my knowledge. 

The creditor is XXXX XXXX XXXX XXXX XXXX  and the MCM account number is XXXX. The last digits of the card are XXXX. They told me that I would have to download and fill out a form from you and send it to them. I do not see where I can do that. 

You can reach me at XXXX or XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The company in question is Wells Fargo and cash app. I was scammed for the purchase of a dog and I went to my bank and cash app to explain the situation. They both said there was nothing they could do after promising to help me with the situation.

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 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
003 - 010 on the XXXX XXXX Credit Report provided by XXXX XXXX - RMP LLC. 
Collection are old account and can not provide me with account numbers nor paperwork on that they are trying to collect on. RMP LLc is also the new buyer of these account in which they are over 7 yeras old also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IN

Complaint narrative:
014 - Credit Management LP Credit Managemnt has told me this for a XXXX bill inn which i have contacted XXXX and they stated i have no outstanding bill with them and everything is good standing with them. Credit Management has refuse to contact XXXX to resolve the issue with this account. XXXX also searched by my Social Security number and found no accounts nor balances.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NH

Complaint narrative:
As a full-time employee of a qualifying non-profit organization, I am able to make payments that count toward Public Service Loan Forgiveness. Despite filling out all appropriate paperwork and getting certification from my employer promptly each year, only 8 out of 13 of the payments were counted toward forgiveness, despite the fact I made  all of them promptly and within the requirements of my income-driven repayment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
My loan was acquired on XX/XX/XXXX and it was required to have FHA insurance on it until we reached 78 %. It should have fell off automatically since it was acquired before XX/XX/XXXX. 

I had requested by phone twice in XXXX to my local fifth third branch to remove it when it was not done automatically. I was told it would be removed but it was still on my XXXX payment and it went out, for {$72.00} Fast forward I even emailed corporate on XX/XX/XXXX to have it removed for XXXX payment. I called today XX/XX/XXXX to check on the status and was told I will need to pay again in XXXX and it wouldn't be removed until after that. I told them that was not correct and that they are breaking the law not removing it. The lady would not give me her name and she hung up on me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
on the date of XX/XX/2020 there was an inquiry that appeared on my credit from the company Capital One that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

on the date of XX/XX/2020 there was an inquiry made on my credit by XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

On XX/XX/2020 there was an inquiry that appeared on my credit from the company XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC wont let me link my bank account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IN

Complaint narrative:
014. Credit Management LP Credit Managemnt has told me this for a XXXX XXXX inn which i have contacted XXXX and they stated i have no outstanding bill with them and everything is good standing with them. Credit Management has refuse to contact XXXX to resolve the issue with this account. XXXX also searched by my Social Security number and found no accounts nor balances.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I initiated a TRIAL service with a company called JUST ANSWER on XX/XX/2020. On XX/XX/2020 a payment was deducted from my checking account in the amount of {$5.00} for the services I received. On XX/XX/2020 {$46.00} was unexpectedly deducted from my checking account. I contacted JUST ANSWER to request a refund and confirm I want no part of their services any longer. They could not find my account stating my email address was incorrect. I was on the phone with them for quite a while and a supervisor was to call me back within 1/2 hour. I received no call within 1/2 hour. I did receive numerous calls from the company with the automated prompts but that only took me back to the regular customer service. On XX/XX/2020 I again had {$46.00} deducted from my checking account. I called JUST ANSWER again requesting a full refund for all funds and discontinuation of any membership. I was told they could not provide a refund. I requested, again, a supervisor. A representative named XXXX contacted me from their escalations department. She again stated they could not refund any monthly membership payments but could cancel my membership which still showed as active. She stated I should have cancelled the membership within 7 days of the initial inquiry. When I initiated my activity with JUST ANSWER, I explained I wanted no continued services and I also contacted them on XX/XX/2020 cancelling any membership services. I have no confidence they will not charge me again in XXXX. I should not have to change my bank account number to resolve this membership deduction.

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 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My loans have a late status from XX/XX/XXXX - XX/XX/XXXX. I was granted an administrative forbearance in XX/XX/XXXX for the months of XX/XX/XXXX - present. I have requested to have the bureaus change the late status on each account to reflect the granted forbearance but have been unsuccessful.

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 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC Bank will not allow me to link my bank account to any 3rd party. Unable to link bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020 two transactions were performed in my PayPal account to a person in the XXXX without my knowledge. Each of the transactions amounted to {$730.00} for a total of {$1400.00}. The transactions were bank transfers and thus did not have credit card protection nor any protection from PayPal. I dont know who this recipient is and Im still uncertain how these transactions were performed. I believe someone may have hacked into the account as they also changed several of the settings in my PayPal account shortly after making these transactions. I have explained to PayPal that the transactions were not made by anyone in our household and they state that the transactions were authorized. 

Im uncertain what the next step should be to make PayPal aware that they have security issues and without question customer financial theft issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 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: NC

Complaint narrative:
XXXX XXXX is saying I owe for medical. All of my hospital bills were paid by grants and XXXX. I sent this information to all the credit bureaus. And transunion is the only place it remains. I would like them to follow suit and remove

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 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
002. GLA Collection CO Inc. 
GLA has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX to whom they state i have no outstanding balance to due insyrance has paid in full.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX : Single Item Water Softener Purchase for XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX Request for Arbitration Dear Aqua Finance Inc,  This letter is to advise that The Holder Rule is being exercised in reference to the above referrenced account. 
I would like payments suspended till a resolution is reached with this account : 1. There was no authorization provided to open a revolving account with Aqua Finance Inc. and/or XXXX. No promissory note was signed and disclosures were presented and/or discussed. 
2. There was no disclosure of any interest rate. The understanding was for there to be payment of {$39.00} till the equipment is paid off.

3. None of the equipment operates or is functional. And is not being serviced by the account representative as promised. Failure to perform makes their contract void. 

Based on these issues, and potential others, there needs to be an arbitration meeting to discuss how both parties will resolve this issue. 

I look forward to hearing from you on how this can be resolved. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: PMAB,LLC
State: NC

Complaint narrative:
pmab llc is saying I owe for medical. All of my hospital bills were paid by grants and XXXX. I sent this information to all the credit bureaus. And XXXX  is the only place it remains. I would like them to follow suit and remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: NC

Complaint narrative:
XXXX XXXX is saying I owe for medical. All of my hospital bills were paid by grants and XXXX. I sent this information to all the credit bureaus. And XXXX  is the only place it remains. I would like them to follow suit and remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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:
I deposited {$2000.00} cash in the ATM. ( 20 X {$100.00} ). The machine printed a receipt to call the bank to make sure my deposit went through, No $ amount on the receipt. I went in to the bank and talked to the account manager, he knows I put in {$2000.00}. 

They gave me a provisional credit for the {$2000.00}. They later sent a letter saying after their investigation I owe them {$880.00}. I don't owe them anything. I have been banking with them for 30 years. They won't let me know what the investigated. 

I can prove I took the money out of a XXXX account the same day to move to my Chase account to pay my house payment, Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc.
State: IN

Complaint narrative:
018. National Credit Managemnt National Credit has not removed there collection from my report since the amount is {$0.00} payment. They refuse to do anything with this item on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
My loan was sold to a new servicer. I received a letter from my new servicer Arvest Central Mortgage Company that they do not pay my property taxes thru my escrow account. Everything I have read states that the terms of my loan remain the same. I want it to be the same terms that I had before. Also my other mortgage company gave them the excess amount in my escrow account to cover this. I was told by them that it takes 90 days for them to review my escrow account. They also charge a fee to pay online. They took over my loan as of XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
013. GLA Collection CO Inc. GLA has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX to whom they state i have no outstanding balance to due insyrance has paid in full.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
XX/XX/2019 XXXX IC systems totaling {$350.00} I asked they send it back to XXXX . So I can make the payment to them. I never received a bill from them. I asked they mail me a copy over email.

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