vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
On Tuesday, XX/XX/2020 XXXX XXXX  I sent an email to XXXX XXXX, NMLS ID # XXXX, a Mortgage Loan Officer for PNC Bank , National Association ( NMLS ID # XXXX ) associated with XXXX XXXX XXXX, XXXX, NJ, XXXX office. 

The email included the address of an apartment, salary information, purchase price, and loan amount information. As we have previously worked with Mr. XXXX to obtain pre-approval letters, I was looking to engage his services again. 

On or about XX/XX/XXXX we have finished our application on the PNC portal and a credit report was pulled against our social security number. 

On XX/XX/2020, XXXX XXXX, my wife email the chain and informed Mr. XXXX that our offer was accepted, and Mr. XXXX asked to speak with her. On that call, Mr. XXXX said that he will not provide a Loan Estimate before we commit to PNC as our lender and provide a fully executed purchase price. 

On XX/XX/2020, XXXX XXXX  I emailed Mr. XXXX and reiterated that we provided all the information required to get a Loan Estimate per TILA-RESPA, and asked him if there is anything else that he was missing to issue a Loan Estimate within 3 business days. 

On XX/XX/2020, XXXX XXXX Mr. XXXX emailed back and asked me to call him about next step. During this call, Mr. XXXX said that he's been doing this for 20 years and never issues a Loan Estimate before a borrower commits to working with him because " he doesn't want people to shop him around ''. I asked if he refused to follow TILA-RESPA, and he said that PNC is very compliant and the online system would generate it if it was legally binding. 

I then tried to get back to the PNC portal, and the only thing I could see is that more information is needed and I need to contact Mr. XXXX. 

I then emailed Mr. XXXX at XX/XX/2020, XXXX XXXX  explaining that there was no way to enter any information in the PNC Portal and listed out the info we have provided him and when we provided it to him. I wrote that I expected a Loan Estimate within 3 business days in accordance with TILA-RESPA. 

On XX/XX/XXXX I called PNC 's customer service and described the situation. The representative was very concerned and assured me that the Legal department will contact me within 24 hours. 

I never heard back from anyone at PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: MT

Complaint narrative:
Collection account appeared on my collection report from ASSETCARELLC/CAPIOPART   for an aparant medical debt from XXXX XXXX XXXX in Massachusetts ; to which I have not lived in since 2014

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a unauthorized account on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % XXXX verifiable or accurate must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: PA

Complaint narrative:
I have a unauthorized account on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % XXXX verifiable or accurate must be removed.

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 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
My XXXX XXXX credit card along with other cards were stolen. Identity theft was proven by law enforcement in 2016. Midland Credit is still trying to collect and reported it to credit bureaus. XXXX  deleted it from my file as identity theft correctly. I have disputed this with all three bureaus and legal documentation was filed in 2016. XXXX  refuses to acknowledge this felony as not my debt. This is a felony in the state of NC. This is damaging to my well being and financially, these same felons got {$9300.00} from my bank account and tried cashing e-checks with my deceased husbands signature. I am a victim of identity theft and XXXX  refuses to acknowledge any of the legal documentation. XXXX  did this correctly. Why cant XXXX!!! XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX. They even have several erroneous addresses. Example : Arizona. I have never even been to Arizona!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX alerted me that a new account ( XXXX/XXXX   ) was open in my name by LVNV Funding on XX/XX/XXXX. This account was closed on XX/XX/XXXX. I have made regularly monthly payment through XXXX XXXX XXXX XXXX. I have my statements proving that I make timely payments to XXXX XXXX  and they send the payments out according to the payment agreement. LVNV Funding has cause the credit bureau agencies to lower my credit score by 100 pts. This company has been harassing me six times a day Monday - Saturday since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The XXXX  Credit Bureau is reporting public information that is inaccurate. I asked them to verify method of investigation and they have refused to do so. I also asked them to remove derogatory information, address is incorrect. remove accounts that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The XXXX  Credit Bureau is reporting public information that is inaccurate. I asked them to verify method of investigation and they have refused to do so. I also asked them to remove derogatory information, address is incorrect. remove accounts that are not mine

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 2020-10-17 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: EQUIFAX, INC.
State: CT

Complaint narrative:
on XX/XX/XXXX i started a dispute regarding to incorrect information been report on my credit report with follow up letters on XX/XX/XXXX and XXXX/XXXX/XXXX none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I referred a friend from my American Express gold card, there was a promotion for 3x additional points on all spend for 3 months when you refer a friend and they are approved by XX/XX/XXXX. I referred a friend and they were approved on XX/XX/XXXX. 

I have either messaged or called every day to confirm the promotion was active and nobody knows what Im talking about. It is prominently displayed on their website. 

They told me they would investigate but it would take 6-8 weeks. The promotional period would almost be over by then, so that is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
XXXX  XXXX XXXX sold my mortgage to Specialized Loan Servicing without my consent with this company or other choices. I deferred my yearly taxes to the town, and Specialized has been insisting on adding escrow on my account, ,I sent in documentation showing the taxes have been deferred, but Specialized is still adding escrow to my account., and is now saying that I am past due plus stating my credit could be in jeopardy.. 

I have timely paid every month on this 4.2 % mortgage, but can not get them to understand that their charges for escrow is unwarranted. 

I feel like I am being harassed by this company, and betrayed by XXXX  XXXX XXXX. 

Most Sincerely

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 2020-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: AE

Complaint narrative:
My XXXX is being garnished and I never received any notification of this debt or a court hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: VA

Complaint narrative:
There are 3 accounts that are being reported inaccurately. I reached out to the companies in writing XX/XX/2020. It is now XX/XX/2020 and they never responded in accordance to FRCA guidelines. 
1. XXXX Charge off 2. XXXX XXXX - 60 day late never been more than 3 days late 3. XXXX XXXX- 30 days late not true they fixed it but have not updated with credit bureaus

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 2020-10-17 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: NY

Complaint narrative:
I am victim of identity theft, I file a policy report and proof that some accounts in my credit report report do not belong to me. i been submitting disputes since XX/XX/2020 requesting removal of those fraudulent accounts please see attached. letters been sent, policy report and proof of identity

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 2020-10-17 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by US DEPT OF EDXXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$6000.00} and that the balance was updated on XXXX XXXX. This balance is incorrect. 
I challenge the accuracy for the third time, compliance and reportability of this listing. 
Please validate this information with US DEPT OF ED/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2020-10-17 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by US DEPT OF EDXXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$6000.00} and that the balance was updated on XXXX XXXX. This balance is incorrect. 
I challenge the accuracy for the third time, compliance and reportability of this listing. 
Please validate this information with US DEPT OF ED/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by US DEPT OF EDXXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$6000.00} and that the balance was updated on XXXX XXXX. This balance is incorrect. 
I challenge the accuracy for the third time, compliance and reportability of this listing. 
Please validate this information with US DEPT OF ED/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2020-10-17 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: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
My XXXX  Report reflects AAG pulled my credit. My XXXX  Report reflects the company AAG hired, XXXX XXXX pulled my report for AAG. So who pulled my report ; AAG or XXXX XXXX or both? I request copy of report. AAG claims they properly pulled by report. AAG claims they had permissible permission to access credit report because of taped phone conversation. FCRA Section 604 ( a ) allows a verbal in ( 3 ) as stated " To a person which it has reason to believe ''. Who is this person at AAG?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.XXXX XXXX & XX/XX/XXXX 2. XXXX XXXX & XX/XX/XXXX 3. XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX  XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX  XXXX  & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX  & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My  contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2020-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
Creditor : XXXX XXXX XXXX Creditor Acct. # XXXX Principle {$170.00} This is not a valid debt. I had XXXX  as my cable, phone, and internet provider for exactly 1 year. 
XXXX XXXX XXXX was the start date and XX/XX/XXXX was the end date. The TV was disconnected on XXXX XXXX, XXXX and XXXX XXXX began. The phone and internet was terminated XXXX XXXX, XXXX. I called XXXX to pay for the extra week on the phone and internet and was given the price of {$43.00}. I said OK and send the bill. 
When the bill came it was for {$170.00} and I immediately called and was told they had just changed there policy and billed only for a full month. I refused to pay and told them I would pay the {$43.00}. and they said no. 
In XXXX, XXXX I received a bill from Southwest Credit. I wrote them a letter explaining this and they sent me a letter on XX/XX/XXXX. This letter stated they had received my letter and they contacted XXXX XXXX regarding my account and did not receive a response from them. The letter from them said they had ceased collection efforts as they were not able to complete their investigation on my account. It was signed XXXX XXXX, Southwest Credit Systems, XXXX XXXX XXXX

Company response to consumer: Closed with explanation