vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Collections have just recently been added on XXXX  from 5 years ago that have not been on my report. I had gotten myself collection free and now these 4 from paramount recovery that have been opened for 5 years are added once the complaint about my vehicle information was reported through here. I now have lost 97 points so quickly yet they can not report accurate information and properly fix and adjust my report. MEDICAL collections should not affect credit scores or history if you do not have to apply for a medical loan. Should not be held against you or your credit. I am also a VETERAN the VA should be held accountable if they wan na hold past issues. Medical should not be used to hold someone back against fixing their own credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
******* ( NEW INFORMATION FORMER COMPLAINT # XXXX ) ********** We received a call from our attorney yesterday XX/XX/2019 informing us that the bank have closed the XXXX  ( Short Sale ), she said the bank claimed that they did not received any do documents after XX/XX/2019. We retained the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ). The law firm worked diligently with us to put together all the requested documents. which they submitted to the bank thru the XXXX  website, all this was submission was done to the bank in the month of XXXX. They claim that the bank is saying is false it is the same tactics that they use when the court order mediation. After we submitted all the paper work they claim to the court that they never received paper work. The true is that the bank have compounded interest on top of the original loan of {$410000.00}. The bank claim that the loan amount is now {$980000.00}. Prudent mind can see that the goal is the bank is to foreclose on the loan, so that they can write off {>= $1,000,000} as a business loss. We do not want to lose our house, so we did an appraisal and the fair market price came out to {$220000.00}. Our goal is that the bank give us a modification on the fair market price. We also have a offer on the house of {$180000.00} which we are trying to do a short sale. We appeal to your office to please consider this case on it merit. This loan is a predatory loan non comforming loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: NY

Complaint narrative:
These are not my accounts on my Transunion credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: NC

Complaint narrative:
On XX/XX/2019 I wrote a letter to the credit bureaus about a collection account for {$480.00} I noticed on my credit report and stated that it was being reported inaccurately. On XX/XX/2019 I received a letter from the credit bureaus stating they verified the debt so I sent a letter to the collector, ( PMAB LLC ) on XX/XX/2019 requesting that they send me proof of the following : that this debt belongs to me, that they own the debt, they have a right to collect in my state, a copy of the original contract bearing my signature, proof that they can collect this debt, any copies of letters that were sent to me from them or the original creditor regarding this debt, how much they bought the debt for, chain of title on the debt, as well as proof of whether they owned or were assigned the debt. On XX/XX/2019 I received a letter in the mail from PMAB LLC which was a simple and generic print out. Nothing of which I had requested in my letter to them. Nothing of which proves this debt belongs to me or that they have a right to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
i was charged XXXX on my bluebird pre paid card for a charge i did not approve. I submitted the complaint as soon as the transaction happened which was XX/XX/2019. They still dont have an update and it is almost 2 weeks. I called them two days ago about a provisional credit and they said it would be credited to my account in 10 days. After talking to them today, they said it is going to take 45 days to make a decision. Right now, i cant pay my rent, car note and car insurance because American Express Bluebird is taking a very long time to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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:
I am disputing these accounts because it is fraudulent. I have no knowing knowledge of this account. Nor have i received any monetary or goods services associated with this account. 


There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when  such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 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:
I am disputing these accounts because it is fraudulent. I have no knowing knowledge of this account. Nor have i received any monetary or goods services associated with this account. 


There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Our mortgage with Suntrust included terms for automatic termination of our pmi once our original loan met 78 % LTV. I verified with Suntrust, via several phone calls that that date was XX/XX/2019 and that our account should reflect this termination of pmi on XX/XX/2019. This date came and went and I once again called to ask why it was not removed from our loan account. I have requested to receive, in writing, from Suntrust the date our loan is due to have automatic pmi termination but have not received this. When I call the representatives I speak with, including supervisors, either tell me that it should be removed or that they are not certain why it hasn't been and I should write a letter and send it to the pmi department, even though this should be automatically processed as per our loan terms! To make matters worse, Suntrust has merged with XXXX XXXX XXXX XXXX XXXX to form XXXX XXXX  as of XX/XX/2019. So I fear we will be lost in the transition and will still not have this resolved.

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 2019-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
On XX/XX/XXXX my wallet was stolen. I then saw a unauthorized transaction for {$940.00} dollars for a XXXX transaction. I saw the charge and immediately got in contact with the bank to dispute the charges. I called to find out whats going on a couple of weeks later and they closed the investigation and is refusing to get my money back. I am so upset with this bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: RI

Complaint narrative:
There was a fraudulent transaction on my discover card XX/XX/2019. I contacted discover the day after it happened. They took off the charge and then a few months down the road they re-added the charge and accused me of having done the transaction myself. I have proof that I was not in the area as it is very far away from my house. I have contacted discover multiple times for them to investigate and every time I get a response to give them 6 weeks to re-open the investigation. They never contact me back and then I have to reach out and for them to tell me that there was no additional information that would allow them to investigate further. It seems as though there is no effort in their investigation and it is simply convenient for them to place the blame on me. I have never been to that store in my life and I didnt even know what it was until discover told me. I very rarely travel that far away from home to go shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: MD

Complaint narrative:
On XX/XX/2019 Accurate Background e-mailed me a Background report. The report was inaccurate, specially it listed a misdemeanor charge XXXX XXXX XXXX that does no belong to me. As of today, I have not received a correction to this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
On XX/XX/2019 I called I.Q. Data International in XXXX, Washington to see what kind of payment options I had to pay off a debt. The gentlemen was nice at first told me he had to ask some questions to see what options I had. Not even 10 minutes into the phone call he said to me if you recently got paid how are you already broke, how do I plan on supporting myself for the rest of the month and that I needed to get a payday loan to pay this off. He was rude very unprofessional. I then asked to speak to a manager and he was just as rude. I felt harassed and bullied.  I felt ganged up on. Food for thought to individuals that work with the public. Please don’t assume that you know what’s going on in someone’s life. You do not know there situation and or what they are going through. I told him what I had to work with and all I needed was an answer of yes We can work with you or no we can’t. I didn’t need to be put down. We are only human. I wonder if these boys speak to there own mothers this way? And  I want to know how they would feel if there mother was being harassed like I was.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Company 's online bill pay did not complete transaction on two occasions leading to unfair late charges. I closed the account for lack of confidence in Bank of America. In closing the account, they apparently charged me more than what I owed, and there is a negative balance ( money owed back to me ) on the account. However, Bank of America has not processed any refund, their website does not offer any means to process the refund, and their phone service has been unhelpful ( can't even talk to someone ). How can Bank of America simply choose to keep my money and not refund 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 2019-12-07 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Received a notification from XXXX XXXX that there was a hard inquiry on my credit report. I later received a notice from Barclays regarding my application to a Visa card that I did not apply for requesting a copy of the front & back of my Drivers license, Social Security card and a current utility bill or bank statement. Obviously I did not send them anything as this appears to be a fraudulent application on my behalf.

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 2019-12-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Received a notification from XXXX XXXX that there was a hard inquiry on my credit report. I later received a notice from XXXX regarding my application to a Visa card that I did not apply for requesting a copy of the front & back of my Drivers license, Social Security card and a current utility bill or bank statement. Obviously I did not send them anything as this appears to be a fraudulent application on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: PA

Complaint narrative:
BB & T charged me {$1400.00} in overdraft fees from XX/XX/19 to XX/XX/19. I believe these fees were excessive. During that period I was laid off from my job and then I also had my hours severely reduced in another job. I am not disputing the amount of the fees. I am disputing that the bank should have denied me overdraft priveleges especially when I was in a negative balance for such a long time.This practice of providing overdrafts fees is predatory on people in my 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 2019-12-07 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I disputed this with XXXX, with firstbank, thru emails and letters and with you ( CFPB ). See complaint XXXX. They answered and they fooled both of us. They have done nothing. Still reporting failed to pay, and that's very bad, even last month. This keeps my credit score very low.

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 2019-12-07 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
From XX/XX/2014 through and including XX/XX/2014 all charges made on my Southwest Credit Card issued by Chase Bank were fraudulent and made by another person. 
These charges are on Southwest credit card numbers : XXXX as well as XXXX. 

Chase Bank did not fully check to make sure these newly issued credit cards were being used by me. They disregarded all indications that there were fraudulent multiple transactions with the same amounts and large daily amounts. They willfully and wantonly disregarded for their own benefit turned a " blind eye '' to these fraudulent transactions. 

The XXXX XXXX New Jersey Police Department has issued a police report signed by Officer XXXX XXXX XXXX and reviewed by Detective XXXX XXXX XXXX. 

A copy of the police report is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I opened account 3yrs again and was late making payments back because I was laid off.But made arrangements with XXXX who was Supervisor at XXXX XXXX XXXX  and paid off balance with my tax refund in 2017 and paid balance of {$330.00} which was late fees added and XXXX supposed had closed my account but I found out years later my account was still open and sold to third party.My Identity was stolen and my account through my Credit Union was hacked during the end of 2017 I found this out through my Credit Union and all my accounts was frozen and I had to pay my bank back for the money someone put in my account and took out.Police couldn't do nothing because it was a Scam from fake US Treasury.My credit score has been damaged because of this and I spoke with the Third Party who brought my account and let them know I paid and sent the info to them from XXXX who was Supervisor at XXXX  XXXX who I paid for my account to be closed.The company stated I still have to pay them I told XXXX from that company I will not pay No more money when my account was supposed to be closed and the Fact I sent in proof to them and they trying to Scam me out of more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Best Buy purchase almost 2 years back. All payments made on time. {$1500.00} balance, {$670.00} interest added all at once in XX/XX/2019 for total of {$2100.00}. Was told payoff was {$1100.00} but another {$300.00} in interest would be added if paid off. Called to inquire, told it was a program with interest added at the end.

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 2019-12-07 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
From XX/XX/2014 through and including XX/XX/2014 all charges made on my Southwest Credit Card issued by Chase Bank were fraudulent and made by another person. These charges are on Southwest credit card numbers : XXXX as well as XXXX. Chase Bank did not fully check to make sure these newly issued credit cards were being used by me. They disregarded all indications that there were fraudulent multiple transactions with the same amounts and large daily amounts. They willfully and wantonly disregarded for their own benefit turned a " blind eye '' to these fraudulent transactions. The XXXX XXXX New Jersey Police Department has issued a police report signed by Officer XXXX XXXX XXXX and reviewed by Detective XXXX XXXX XXXX. A copy of the police report is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I got an alert on my credit monitoring that a foreclosure process was initiated and that is incorrect. They stated that it was a mistake, but my credit has taken a HUGE hit due to this and I want it corrected immediately and my credit restored. I have excellent credit!

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 2019-12-07 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: TX

Complaint narrative:
I got an alert on my credit monitoring that a foreclosure process was initiated and that is incorrect. They stated that it was a mistake, but my credit has taken a HUGE hit due to this and I want it corrected immediately and my credit restored. I have excellent credit!

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