vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After the Equifax data breach, I did what Equifax recommended I do : I put a freeze on all of my accounts with them, XXXX XXXX and Experian. 

Apparently, as part of the settlement with Equipfax they were ordered to offer free credit monitoring services to consumers for 3 years or a {$120.00} stipend to anyone to start these services for a 3 year period at their cost. Information was emailed out to consumers telling them pick one or the other.. I completed Equifax 's submission for the {$120.00} stipend and sent it back to Equifax, As far as I can tell, this settlement was a ploy to get consumers to subscribe to credit monitoring services and an admission that Equifax can't guarantee protection of my data that I didn't give to them in the first place and didn't give them permission to have and accumulate.. 

With my accounts frozen, I don't need credit monitoring services. Now Equifax is arguing that I didn't meet any criteria for receiving this {$120.00} stipend after following their initial advice to simply freeze my credit. 

Are they now saying then even with a freeze on my credit file that they can not protect my data.? It coast me a fair amount of time and personal record management to manage pin numbers and website to place these freezes on my accounts and moving forward every time I need to open it, I need to spend time to manage that process. 

SO in the end unless I agree to get credit monitoring services from the same company that couldn't protect my data in the first the idea of " damages to me the consumer '' does not apply.. 

I believe I am entitled to take that {$120.00} and use it as I see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: FL

Complaint narrative:
Equifax Errors for Not Cross Checking the Dates to Resolve Incorrect Data. 


Equifax Failed to Correct Their Misreporting to My Credit File as the Dates of Last Payments Conflicts with Dates of Major Delinquency. 

Issue One 1 ) the Account under XXXX XXXX XXXX XXXX Account XXXX, Reported Date of Last Payment to Be XX/XX/XXXX and the Balance Is XXXX. Thus the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Thus Is Incorrect. 

The Delinquency That Was Reported on XX/XX/XXXX Is Correct as the Account Was Charged off on XX/XX/XXXX and Paid on XX/XX/XXXX Whereas, the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Is Incorrect and False and Misleading as the Last and Final Payment Was Made on XX/XX/XXXX. In Addition File Is Rated NR. 

Issue Two 2 ) the Account under XXXX XXXX XXXX XXXX Account XXXX, Reported Date of Last Payment to Be XX/XX/XXXX and the Balance Is XXXX. Thus the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Thus Is Incorrect. 

The Delinquency That Was Reported on XX/XX/XXXX Is Correct as the Account Was Charged off on XX/XX/XXXX and Paid on XX/XX/XXXX Whereas, the Date of Major Delinquency First Reported to Be XX/XX/XXXX, Is Incorrect and False and Misleading as the Last and Final Payment Was Made on XX/XX/XXXX. In Addition File Is Rated NR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I have requested a copy of the promissory note for the mortgage on two different occasions which I know I am entitled to by federal law. Both times I was told I would receive it by email but never received it.

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 2019-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I Opened A Virtual Wallet account on XX/XX/2019 With PNC Bank. I Was Not Giving A New Card And My Old Card Was Deactivted. Messaged PNC Via Online Chat Was Told The Card fee And expidted Card Would Be free. On. Monday XX/XX/2019 I Was charged For both the card fee and Was told they would monitor the account. and they will not .take it off immediately And that the woman XXXX XXXX Would not approve me for the promotion going on for recieving XXXX XXXX XXXX or XXXX dollars after sixty days and think that its very unfair Considering the hassle pnc. has given me regarding opening this new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: AC AutoPay LLC, Denver, CO Branch
State: AL

Complaint narrative:
I was told that my application to refinance my car was only going to be sent to one company by Autopay and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called Autopay to check on my application because I had not been contacted. I was told by XXXX XXXX Grant that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called Autopay on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
On XX/XX/2019 i took out a loan with speedy cash for XXXX . My first payment of {$100.00} for the loan was extended out to XX/XX/2019. I was led to believe that this was a true and actual repayment plan, but " secretly '' it appears to be another date which forces me to accrue unwanted interest. Every pay period since the loan has been out someone at the store location changes the due date of the loan. If no fraud is being committed why would it show on their internet website for my account information, as well as phone call reminders a few days before that my loan payment is due on one date, but secretly someone at the store has it appear as if i called to change my payment date. When i call customer service to complain they can only tell me dates to which a request to change the due date was made. I have " NOT '' spoken to anyone at the store location since XX/XX/2019 when i was there taking out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2019 XXXX XXXX my Employee requested the card information for a payment for supplies. At that time I sent information to XXXX XXXX the card information, by error I sent the Card information to both XXXX XXXX and XXXX XXXX due to a prior text within the three of us. I realized I sent the card to XXXX XXXX and I sent a text immediately after I sent the Card info DO NOT USE THIS CARD. XXXX XXXX than stated what card cant receive pic. I have all text correspondence. 

On Monday XX/XX/XXXX I notice multiple unknown, and unauthorized pending transactions in my account. I called customer service at PNC and they stated that it was from XXXX XXXX Mobile. I disputed the cards after the transactions were cleared as instructed my PNC customer service. On XX/XX/XXXX I filed a Police report with the XXXX XXXX police department of fraud on my Card in the follow amounts ; {$1500.00}, {$760.00}, {$1000.00}, {$2000.00} for a total of {$5300.00} against XXXX XXXX. I have made a sworn statement under oath that I did not authorize and of the above transactions. I instructed XXXX XXXX he had no authorization to use my Card with the account end in in XXXX. I have the following text correspondence stating ; XXXX XXXX returned the funds ( but he did not ) XXXX stated that he can not get pictures of my card, That I never authorized payment and that XXXX XXXX authorized charges ( which he did not. ) PNC preformed a very hasty and poor investigation of a large amount and has not advocated and has not protected my company against fraud. I called 10 times to speak to an investigator on this matter and have not spoken to anyone. No documents or police reports were reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: NC

Complaint narrative:
On XX/XX/2019, a " Notice of Delinquent XXXX  Account '' letter was sent to me by Linebarger, Goggan, Blair & Sampson, LLC, claiming that I owe {$79.00} to the New York State XXXX XXXX. On XX/XX/2019, I sent a letter to the above named firm disputing the debt and requesting that they provide me with verification documents. 
I moved out of NY state in XX/XX/XXXX, so I have substantial reason to question the validity of the claim made. 
The firm did not reply to my request for verification. Instead, they send on XX/XX/2019, a " Second Notice ''. Both Federal and State ( NY ) law require that the collection activity stop once a request for verification has been submitted and remain in abeyance until such verification has been provided. This firm has violated those statutes and has not provided any such verification in reply to my request and is continuing the collection process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
They have contacted every family member, my ex-husbands family, my mothers boss, my mothers landlord and told all of them they are the XXXX County with a warrant out for my arrest. Problem is when I have contacted them and provided my updated info, its just a creditor Ally who is attempting to take me to court for a repo from 5 years ago. They already took me to court and lost, so they are getting even dirtier with their tactics now.

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 2019-09-09 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express sued me over an alleged unpaid balance. During the court process the case was dismissed with prejuidice. Prior to this I have filed a dispute with all 3 CRA regarding this. American Express continues to report to the CRAs that the debt is correct. The case was dismissed with prejudice in my favor. American Express has no legal standing and under State Law must remove account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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:
XXXX XXXX is reporting the account as charged off with XXXX as XX/XX/XXXX on one report and XX/XX/XXXX on another. Its also reporting a payment on XX/XX/XXXX. Its been updated falsely in XX/XX/XXXX. Aside from reporting the account as charged off theyve sent the account to collections. ( See attachment ) Please delete account immediately for false reporting.

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 2019-09-09 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: NY

Complaint narrative:
XXXX XXXX is reporting the account as charged off with XXXX as XX/XX/XXXX on one report and XX/XX/XXXX on another. Its also reporting a payment on XX/XX/XXXX. Its been updated falsely in XX/XX/XXXX. Aside from reporting the account as charged off theyve sent the account to collections. ( See attachment ) Please delete account immediately for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
Lakeview Loan Servicing LLC is my mortgage provider and has repeatedly billed me for their own hazard insurance policy even though I have provided proof to them, in writing and online of carrying my own hazard insurance policy through XXXX XXXX XXXX. This same practice occurred last year. 

I have requested to be refunded for the insurance billed to me through Lakeview Loan Servicing LLC for the months of XXXX, XXXX, XXXX, and XXXX but have gotten nowhere. They continue to bill me each month. 

XX/XX/2019 - I received a letter from XXXX XXXX stating that I needed to update my hazard insurance to avoid having a policy assigned to me. I did so and uploaded proof to their website. I also mailed them hard copies of my policy. 

XX/XX/2019 - I have a letter from XXXX XXXX stating that insurance ordered has been cancelled. Yet, they continued to bill me for their own insurance XXXX, XXXX, and XX/XX/2019.

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 2019-09-09 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:
The following accounts are fraudulent : XXXX XXXX XXXX {$1700.00} XXXX   XXXX XXXX XXXX {$1600.00} XXXX {$1100.00} XXXX XXXX {$590.00} XXXX   XXXX XXXX {$93.00} XXXX XXXX XXXX XXXX XXXX {$76.00}

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 2019-09-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The complaint is about the JPMCB CARD SERVICES account reporting as an individual account when it shouldve been reported as authorized user because it was a corporate account. It is still being reported falsely. Its also being reported as in collections/charged off with a current late payment history which is also false reporting. This account should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have been banking with BOA for some time now. On I checked my account balance and noticed that my account was overdrawn due to a recurring debit from XXXX. I contacted XXXX because I moved my automatic payments to the credit union to avoid BA maintenance fees. XXXX said that they would make the necessary changes. So I contact BOA regarding the overdraft fee assessed. I informed the rep that I made arrangements with XXXX and just wanted my overdraft fee back. The rep declined my request. I told to another rep and explained it was a merchant error, it was resolved I just wanted my fee back. It was declined again. 

While talking to the rep, I also explained a problem that I had regarding an ATM deposit. Weekly I deposit the pay from my employer. During the deposit, the ATM timed out, the check was not returned to me, and my account was not credited. However, I needed money so I agreed to the overdraft fee. The rep initiated a claim on my behalf and the overdraft fee related to the ATM withdrawal was refunded. 

On this past Saturday, I discovered that my account was overdrawn because the claim was denied. Im confused and Im baffled as to why I was notified. This is the same check I deposit every week. If the check was not returned to me then obviously its stuck in the ATM. Why am I being penalized for a technical error? My employer states the check has not been paid on their account, but does not want to pay their bank to stop the check unless they are going to be reimbursed. 

I want my account credited for the ATM deposit. I want all of the overdraft fees from XXXX through the present refunded. And if the account can not be credited for the ATM deposit, then my employer should be reimbursed {$35.00} for the lost check.

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 2019-09-09 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: NY

Complaint narrative:
The complaint is about the XXXX XXXX XXXX account reporting as an individual account when it shouldve been reported as authorized user because it was a corporate account. It is still being reported falsely. Its also being reported as in collections/charged off with a current late payment history which is also false reporting. This account should be deleted immediately.

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 2019-09-09 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: NY

Complaint narrative:
The complaint is about the XXXX XXXX XXXX account reporting as an individual account when it shouldve been reported as authorized user because it was a corporate account. It is still being reported falsely. Its also being reported as in collections/charged off with a current late payment history which is also false reporting. This account should be deleted immediately.

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 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Ten years ago, I submitted a qualified written request to Bank of America stating that a new Mortgage was originated on my home containing a forgery of my signature. 

Bank of America conducted an internal investigation and confirmed the forgery. Then XXXX XXXX, from Bank of America Victims Assistance Unit sent me a letter stating : " Please allow me to confirm that Bank of America has completed its investigation and concluded that the aforementioned loan should not reflect on your personal credit file. Bank of America has acted directly upon this finding and on XX/XX/XXXX, Bank of America submitted a correction to the four major credit bureaus with whom we correspond to remove the loan from your personal credit file. 

On XX/XX/XXXX, XXXX XXXX XXXX, the Vice President, Investigative Services Manager of the Mortgage Fraud Investigations Department at Bank of America confirms the existence of the forgery and writes Thank you for your patience as I have been attempting to locate an individual Bank of America advocate to work directly with you and all internal departments to address all of your concerns. I have been given the authorization to present your case to the Executive Relations Committee. I am in the process now of preparing a written statement and request for appointment of such an advocate for you which will include our case findings as well as departments we have supplied our findings necessary to resolve the issues which have arisen as a result of our confirmation of forgery. 

I will have my submission to them by the end of business today. I would think that someone from that group would contact you by the middle of next week. I will provide them with both your current telephone contact as well as this email address as well as my contact information. The credit group indicated that you may contact them at XXXX with case number XXXX for assistance surrounding your credit company concerns. 

To date, no one has contacted me, and the number provided is non-working number owned by Bank of America. 

On XX/XX/XXXX, Bank of America filed a foreclosure action against the me seeking {$320000.00}. The mortgage that I signed in XXXX was for {$140000.00}. This matter has already cost me over {$17000.00} in legal fees. The Bank of America lawyers are asking the judge grant a foreclosure on my home despite the fact that Bank of America has confirmed the forgery. 

Please help! I am about to lose my home.

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