vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not ask experian to put a fraud alert on my account. 
They did it without my consent They are requiring me to go out of my way to submit numerous documents to have it removed on a letter received XXXX. 
I DEMAND THAT THEY REMOVE THIS XXXX FRAUD ALERT IMMEDIATELY. THIS IS OUTRAGEOUS. I WILL BEGIN LEGAL ACTION. 
THIS WAS DONE FRAUDULENTLY. REMOVE THIS ACTION FROM MY REPORT. I DID NOT SUBMIT ANYTHING FOR YOUR FRAUDULENT ACTION AND I REFUSE TO SUBMIT 6 DOCUMENTS TO REMOVE 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 2020-06-11 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
My mortgage company, First National Bank ( FNB ), reported with XXXX  and XXXX  that I paid my XX/XX/2020 mortgage payment 30 days late. I filed a dispute with XXXX  and XXXX  disputing that error, but FNB sent them ( XXXX  & XXXX  ) a response saying I did pay my XX/XX/2020 mortgage payment 30 days late. However, FNB reported inaccurate information on my credit report because, I did not pay my XX/XX/2020 mortgage payment 30 days late. FNB received my XX/XX/2020 mortgage payment on XX/XX/2020 so, it was NOT 30 days past due. 

I have copies of my simply free checking account statement ending in XXXX with XXXX XXXX XXXX XXXX, which demonstrates that FNB received their XX/XX/2020 mortgage payment electronically on XX/XX/2020 in the sum of {$2600.00}. I also have a screen shot of my FNB online account activity, which shows that FNB acknowledges that they received on XX/XX/2020 my XX/XX/2020 mortgage payment. These documents support my position to correct my credit file, but FNB has been uncooperative and is killing my credit. I am just so confused and upset about this situation. My credit score dropped over 55 points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Hello, I had signed up for a XXXX XXXX XXXX  Credit card in XX/XX/2019 and made the mistake of purchasing some things and then letting the card and amount go into collections. I never really was taught the proper way to handle credit cards and have made some mistakes. Over the past year I have really taken the time to understand finances and the importance of good credit. I am a responsible adult and am really trying to clean up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
I receive notification from my credit report of a derogatory item on my credit. I further look into the matter as I do not owe anyone besides my normal routine bills. I see a collection from a company I have never heard of listed as " THE CBE GROUP INC-FORMER '' in the amount of {$680.00}. I have not seen anything in writing from this company notifying me of a debt owed, or any intent to place anything on my credit for me to dispute, nor verifying I am the actual owner of the debt which is in violation of FDCPA. This company further more is NOT licensed in State of TN to conduct any business with any consumers who reside here. I would like this deleted off my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: IL

Complaint narrative:
I submitted a dispute with Experian on XX/XX/20 for the company XXXX XXXX XXXX XXXX. This company is reporting an account that does not belong to me. This account has never belonged to me. Experian returned the dispute to me with results dated XX/XX/20 with their findings. In 5 days Experian has determined the account belongs to me. Experian did not take this matter seriously and they did not verify this information in 5 days. The reason I know this to be true is the account does not belong to me. If Experian had investigated this company as requested they would determine the account does not belong to me. What are the next steps to take if Experian refuses to remove inaccurate information from my credit report. The report number that I was given from Experian is # XXXX and the report was generated on XX/XX/20. I filed the dispute on XX/XX/20 which proves Experian did nothing to resolve my issue. What are the next steps to hold Experian accountable for not removing information that does not belong to me? I would like to know the verification method that was used by Experian to determine the account belongs to me. I have requested this information on numerous occasions and Experian does not feel the need to share this information with me. If I need to start a class action lawsuit, I will as a last resort. What does the CFPB intend to do regarding this issue? How can Experian be held accountable?

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 2020-06-11 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: MD

Complaint narrative:
My mortgage company, XXXX XXXX XXXX ( XXXX ), reported with XXXX  and Transunion that I paid my XX/XX/2020 mortgage payment 30 days late. I filed a dispute with XXXX  and Transunion disputing that error, but XXXX sent them ( XXXX  & TransUnion ) a  response saying I did pay my XX/XX/2020 mortgage payment 30 days late. However, XXXX reported inaccurate information on my credit report because, I did not pay my XX/XX/2020 mortgage payment 30 days late. XXXX received my XX/XX/2020 mortgage payment on XX/XX/2020 so, it was NOT 30 days past due. 

I have copies of my simply free checking account statement ending in XXXX with XXXX XXXX XXXX XXXX, which demonstrates that XXXX received their XX/XX/2020 mortgage payment electronically on XX/XX/2020 in the sum of {$2600.00}. I also have a screen shot of my XXXX online account activity, which shows that XXXX acknowledges that they received on XX/XX/2020 my XX/XX/2020 mortgage payment. These documents support my position to correct my credit file, but XXXX has been uncooperative and is killing my credit. I am just so confused and upset about this situation. My credit score dropped over 55 points.

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 2020-06-11 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: MD

Complaint narrative:
My mortgage company, XXXX XXXX XXXX  ( XXXX ), reported with Equifax and XXXX  that I paid my XX/XX/2020 mortgage payment 30 days late. I filed a dispute with Equifax and XXXX   disputing that error, but XXXX sent them ( Equifax & XXXX  ) a response saying I did pay my XX/XX/2020 mortgage payment 30 days late. However, XXXX reported inaccurate information on my credit report because, I did not pay my XX/XX/2020 mortgage payment 30 days late. XXXX received my XX/XX/2020 mortgage payment on XX/XX/2020 so, it was NOT 30 days past due. 

I have copies of my simply free checking account statement ending in XXXX with XXXX XXXX XXXX XXXX, which demonstrates that XXXX received their XX/XX/2020 mortgage payment electronically on XX/XX/2020 in the sum of {$2600.00}. I also have a screen shot of my XXXX online account activity, which shows that XXXX acknowledges that they received on XX/XX/2020 my XX/XX/2020 mortgage payment. These documents support my position to correct my credit file, but XXXX has been uncooperative and is killing my credit. I am just so confused and upset about this situation. My credit score dropped over 55 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Tried to link my account to an investment account to transfer money, and was told by the service that " PNC has made a change that prevents you from being able to link your accounts ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: TX

Complaint narrative:
The company Experian has yet to validate a debt that is reporting on my credit report, in spite of documentation that suggests the item being reported is inaccurate.

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 2020-06-11 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: Receivables Performance Management, LLC
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) (  D ). The following account is listed below : XXXX  XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, Receivables Performance # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have submitted two complaints about Chase and they are refusing to correct the erroneous information reported to the credit bureaus. Instead of correcting the erroneous information, they have now asked me to call the credit bureaus to " record my explanation '' for their erroneous report. Chase closed my credit card for no reason, did not process my payments, and added fake charges to my account ... then reported me to the credit bureau for late payments which would not have been late if they did their job. During this time, Chase reported late payment to the credit bureaus. In an attempt to resolve this matter, Chase agreed to remove the false late payment reported to the credit bureaus ( from XX/XX/2019 to XX/XX/2019 ), but they have since tried to make it my responsibility to correct their erroneous reports by directing me to the credit bureaus to cover up their bad business practices. These late payments supposedly happened during the time when my card was closed and Chase was reporting erroneous balances to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
This is the second time I have sent out a complaint about this account that I have already paid off. XXXX  and XXXX  has already removed the following account off my credit report listed below : Allied Business Services # XXXX with a balance of {$0.00} due to me paying the account off. I have already spoke with XXXX  several times explaining the situation at hand and no one has been able to help me in regards to removing this account off my report. XXXX  has told me to contact the client to have it removed but the clients states that I have to contact the credit bureaus to have it removed but nothing has been done. I have attached documents showing that the account that was paid off has been removed from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: IN

Complaint narrative:
I can not link my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
want to pay on XXXX 's website but not allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) (  D ). The following account is listed below : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, Fair Collections And Out # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) (  D ). The following account is listed below : XXXX  XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, Choice Recovery Inc # XXXX , Choice Recovery Inc #  XXXX , Choice Recovery Inc # XXXX, XXXX XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear BBVA, Banco Bilbao Vizcaya Argentaria, BBVA, AND XXXX XXXX XXXX XXXX ( debt Collectors for BBVA Bank ) C/O CFPB : I DO NOT OWE BBVA BANK NOR XXXX XXXX XXXX XXXX. BBVA BANK IS IN VIOLATION OF 15 USC 1692e ( FAIR DEBT AND COLLECTION ACT ), VIOLATED REGULATION E, AND COMPROMISED MY PRIVATE AND PRIVILEGED IDENTIFIERS.

( 1 ) REQUESTING RE-REVERSAL OF PERMANENT CREDIT ( MURAD ) FOR {$58.00} ; THUS, CREDITING THE BBVA CHECKING ACCOUNT {$58.00}.

( 2 ) REQUESTING BBVA REMOVE THE EXTENDED OVERDRAFT SERVICE CHARGE OF {$23.00}.

( 3 ) DEMANDING REFUND OF {$6.00} WITH ACCRUING INTEREST ENDORSED TO XXXX XXXX XXXX. WITH CLOSURE OF BBVA CHECKING AND SAVINGS ACCOUNT IN GOOD STANDING AND REMOVAL FROM ANY DEBT COLLECTORS.

Sincerely and Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am a seller on XXXX  selling a XXXX XXXX laptop for {$1000.00} It started with a message from someone claiming to " buy '' the laptop from me. The buyer agreed to cover the shipping ( + {$100.00} ), this totaled to {$1100.00} and I asked to have it paid through PayPal. This is where it things go wrong, because the email contact claims to be PayPal, has a domain " XXXX ''. But I didn't realize it until I paid {$850.00} of Gift Cards to the buyer in order to " authorize payment ''. However, that didn't end because the last email I got asked me to pay {$1000.00} for their ridiculous 'insurance '. This is where I know they definitely crossed the line. The damage has been done and I submitted complaints to my bank, FTC ( and you also ). The liability totaled to {$2000.00} ; I want my laptop back and the {$850.00} that was mistakenly paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
XXXX XXXX altered paperwork to where Im not even the owner of my car my co signer is. Then I was sold a warranty which the very last page canceled the whole warranty so it was worthless, still waiting on that to be refunded. And Ive tried to get a paper copy of my financial contract and people from XXXX keep hanging up or telling me theyll fax it and one blank page will get sent To me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: WA

Complaint narrative:
I am submitted this complaint because my efforts to resolve this issue with better mortgage have been unsuccessful. They have requested that I submit insurance coverage for an HOA even though I have already provided homeowners insurance with physical damage coverage. The condominium that I live in only has two units and does not have and association to manage the property. The owners of the property simply maintain their own part of the condominium. With all this information provided to better mortgage they continue to insist that an HOA insurance is still required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
Dear XXXX, XXXX XXXX XXXX XXXX, XXXX, AND Radius Global Solutions LLC ( debt Collectors for XXXX XXXX  ) C/O CFPB : I DO NOT OWE XXXX XXXX  NOR RADIUS GLOBAL SOLUTIONS LLC. XXXX XXXX  IS IN VIOLATION OF 15 USC 1692e ( FAIR DEBT AND COLLECTION ACT ), VIOLATED REGULATION E, AND COMPROMISED MY PRIVATE AND PRIVILEGED IDENTIFIERS. 

( 1 ) REQUESTING RE-REVERSAL OF PERMANENT CREDIT ( XXXX ) FOR {$58.00} ; THUS, CREDITING THE XXXX CHECKING ACCOUNT {$58.00}. 

( 2 ) REQUESTING XXXX REMOVE THE EXTENDED OVERDRAFT SERVICE CHARGE OF {$23.00}. 

( 3 ) DEMANDING REFUND OF {$6.00} WITH ACCRUING INTEREST ENDORSED TO XXXX XXXX XXXX. WITH CLOSURE OF XXXX CHECKING AND SAVINGS ACCOUNT IN GOOD STANDING AND REMOVAL FROM ANY DEBT COLLECTORS. 

Sincerely and Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 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: CA

Complaint narrative:
Experian, XXXX  & XXXX  were sent a Identify Theft Report Dated XX/XX/2020. I have heard from their results in this matter. I sent them a copy of police report, copy of the items that were fraud. Very detailed list of the items listed in each bureau. Not sure what else to do other than to keep sending out letters explaining the circumstances. 

XXXX  had a data breach that I was included but yet they still refuse to remove negative items that were listed as fraud from account. 
XXXX  too.

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 2020-06-11 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:
I previously notified you that I was a victim of identity theft

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