vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
I sent a debt validation letter to Franklin collection services asking for the original signed agreement an my hippa release an they never responded an continue to report to my credit report. They continue to put unvalidated information on my credit report an have all my medical information without my hippa release. They put 8 collection on my credit report {$930.00}, {$660.00}, {$460.00}, {$380.00}, {$350.00}, {$300.00}, {$190.00}, and {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
I initiated opening a checking account with HSBC on XX/XX/2018 through their website, which offered a {$200.00} bonus if I deposited {$1500.00} and maintained that balance for 90 days. The account was officially opened as of XX/XX/2018, and the {$1500.00} balance was credited to the account on XX/XX/2018. The {$1500.00} balance still remains in the account to date. They are refusing to pay me the bonus as offered on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
In XX/XX/XXXX, my husband and I filed for Chapter XXXX bankruptcy. We were discharged from the plan in XX/XX/XXXX. At that time, the trustee sent us a refund for over payment. Included in that refund was all money paid to Sallie Mae ( now Navient ) about {$6700.00}. In XX/XX/XXXX, I received notification that I needed to start making payments to Navient for the student loan. I have continued to pay on the loan since XX/XX/XXXX. 

I don't understand why Sallie Mae refunded the {$6700.00} when the loan had been paid off through the bankruptcy. I believe that since we had paid off the loan in the bankruptcy, I should not have to repay the money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: AZ

Complaint narrative:
on my credit report it says that i opened 2 credit cards in XX/XX/XXXXand never paid them, also in XX/XX/XXXX that i recieved a home loan and a car loan that i also never paid on. At each time i was XXXX  in the XXXX XXXX XXXX XXXXXXXX, which is a matter of public record, obvious fraud. I've disputed these accounts with XXXX, XXXX XXXX, and several times with experian in order to have them removed completely from my credit report ; not just closed, because its obviously fraud. experian has just flat out refused to do this. im trying to put my life together and have been very successful so far. due to experian 's reporting these fraudulent charges, i have not been able to get approval for credit or a car loan. i dont know what else to do, they even at one tried to charge to have them removed from my record which i understand is racketeering by definition.

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 2018-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: OH

Complaint narrative:
I received a call from Pacific Financial recently asking if I've gotten my annual escrow statement, which I hadn't. I went on line and obtained a copy. Pacific Union wants to increase my Monthly payment by 19.2 % My current payment is {$920.00} and they now want to bill me {$1100.00} which is an additional {$180.00}. This change was to correct their error in obtaining the correct escrow for my taxes. I provided them my annual taxes in XXXX. The escrow amount necessary to cover my taxes and insurance only increased by {$63.00} previous amount was {$270.00} and it is now {$340.00}. They are requiring an additional {$110.00} a month to make up their shortfall and to maintain a 2 month balance. 
I called Pacific Financial On Friday to cancel my escrow account and was advised I would need to submit in writing, which did. The came back and stated my request was denied due to their policy and shareholder direction. The Department of Veterans Affairs does not, nor should my loan be obligated to maintain an escrow account for taxes and insurance with the lender. Additionally, I am not a financial risk, I have over 20 % in equity in this home and have not missed a payment or been late? 
I requested that a manager from Pacific Union call me to discuss, but they have not replied to my request. I would appreciate your assistance in this matter I will be filing a complaint with the Department of Veterans Affairs , National Association of Realtors- ( current member ) and investigating obtaining legal representation. 
Thanks, 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 2018-07-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT

Complaint narrative:
The following Bank allowed a family member to sign and obtain a loan with me as a cosigner. I did not approve nor have knowledge of this account nor would I have been able to qaulify for this loan. USAA allows consumers to get a loan over a cell phone and digitally sign without any other info being obtained. I have tried to fight this on my own with USAA but have been unsuccesful and after trying to find contact info as well I see that this is a regular occurance for USAA. They stick their customers with most FRAUD and tell them it is them and make them liable for fraudulent charges. THIS MUST STOP! 
You can not even get contact info a last name or a way to follow up with anyone, ever, at USAA this is the biggest scam ever!! My local banks would never treat me like this and USAA does it under the name of our service man. WHAT A JOKE!! 

USAA FED SVG BK - XXXX XXXX XX/XX/2018 from XXXX Other/misc. Banks XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29 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: AZ

Complaint narrative:
on my credit report it says that i opened 2 credit cards in XX/XX/XXXX and never paid them, also in XX/XX/XXXX that i recieved a home loan and a car loan that i also never paid on. At each time i was XXXX in the XXXX XXXX XXXX  XXXX, which is a matter of public record, obvious fraud. I've disputed these accounts with XXXX, trans union, and several times with XXXX  in order to have them removed completely from my credit report ; not just closed, because its obviously fraud. XXXX has just flat out refused to do this. im trying to put my life together and have been very successful so far. due to XXXX  's reporting these fraudulent charges, i have not been able to get approval for credit or a car loan. i dont know what else to do, they even at one tried to charge to have them removed from my record which i understand is racketeering by definition.

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 2018-07-29 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: Convergent Resources, Inc.
State: KY

Complaint narrative:
There was a XXXX account that I had no knowledge of that was put into collection in XX/XX/XXXX on my credit report. When the original account was opened I wasn't even of age to being building personal credit. In XX/XX/XXXXI contacted the company to do a pay for deletion and to have these items removed from my credit report. Once the amount was payed in full the collection was only deleted from my XXXX  credit report and not my XXXX. I've contacted the company and credit bureaus since the XXXX removal to get the XXXX  collection removed with no success.

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 2018-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: FL

Complaint narrative:
PMAB , LLC has submitted false information on my credit report since XX/XX/XXXX. They claim that I owe them {$3200.00}. I'm not, nor do I know the individual whose name is on that bill. I mailed them a certified letter requesting validation of the debt. They received the letter on XX/XX/XXXX but I have not heard anything back from they regarding this issue. They are in violation of my rights as a consumer under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Personal loans placed my loan in a collection account rather than lowering payments due financial hardship. Since it has been in collections the loan has negatively impacted my credit and prevented me from getting an apartment, job and stable means of obtaining work to pay off the debt. 
If possible I would like the collection account removed from the credit score so I can gain stable employment and obtain a place to live. I am also open to other options at the lenders discretion in order to get employment and a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Friday, XX/XX/XXXX, I drove from XXXX, NC to XXXX, NC to set up a deposit and automatic draft account with XXXX XXXX XXXX who is renting business and residential space from property owned by my sister, XXXX XXXX, of XXXX and myself. We arrived around XXXX to PNC bank to set up the automatic draft. There was a teller and a customer care representative working. The teller, who was also the manager, told us that we could not be taking care of until XXXX. I told her we would wait for the representative to finish with their customer. She replied that the representative would be leaving for lunch and when she returned the teller/manager would be leaving for lunch. I had yet to have anything to eat. The lack of customer service and indifference to our time and a three hour return to XXXX was incomprehensible to the client and myself. My sister handles this account for our farm property. XXXX XXXX had a {$9000.00} dollar check to deposit. He said he had been there three other times to set up the automatic draft and they were unable to help him. I do not have an account with PNC Bank nor do I ever intend to. I have asked my sister to establish an account in another bank who has proper respect, concern, and time for their clients. They get a F plus for customer service. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: VA

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone : ( XXXX ) XXXX Date opened : XX/XX/2016 Balance {$410.00} I did not receive anything in writing which explained who the debt is with/cause of debt and rights to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2018, we rec 'd two unwanted cards we needed to activate, due to XXXX XXXX changing banks. We did so, and per directives, destroyed the old cards. About three days  later, we began finding out odd things. First, the credit bureaus reported the former XXXX   accounts closed XX/XX/2018. However, the cards worked thru the morning of XX/XX/2018. We were told PINs would be automatically sent on XX/XX/2018. When they hadn't come in two weeks, we called and we were told they would be sent again. There seemed to be little interest in what happened to the first ones. Finally three days ago, one of the two PINS arrived. When I communicated via secure message, I was told ( today ) that another (! ) PIN would be sent for a name not at all a part of our account. When I just called about that, the agent suggested it must be a fraudulent message ( in their secure message account!!! ). The lack of the credit limit has prevented us from automobile shopping needed to be completed for a grandchild. There's an unknown person receiving one of our PINS. We are financiually vulnerable.

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 2018-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal allowed someone to order a debit card and it was sent to my home. The people who ordered it stole my mail and took the card. 

They activated the card and I IMMEDIATELY called when I got the notice of the activation. Within minutes they used the card at a grocery store ATM and purchased a money order at the same store. Total approximately {$1500.00}. They then used the card for an ACH withdrawl at the bank account associated with PayPal {$500.00}. The also hacked into 3 other bank account. 

They thieves went into my paypal account and change the phone numbers. 

I have a police report. We have the person who did it on video from the store. The person who sold the Money Order ID 'd the person from a mugshot I found because Paypal gave me the name of the person who did the ACH. 

Paypal refuses to refund my money. They are essentially accusing me of committing this crime because I logged into my Paypal account 35 seconds before the first ATM withdrawl. 

Seriously? You sent me a mail telling me to call if I did not activate the card. I called and also immediately logged into my account. Within minutes I saw the transaction and was in my car to the store when this happened and the police were called. 

PayPal is acting very irresponsibly in this case accusing me of committing this crime when they allowed someone to hack into my account. They would not even speak with me. They asked for no evidence, no police report. Their Trust and Security team simply made a decision based on my log in. 

PayPal need to be stopped from this kind of activity where they allow breached security and then accuse their own clients. I want my money back and I want paypal to be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our family has a Bank of America XXXX XXXX visa card with an associated annual fee. One of the purported benefits of the card is that when it is used for travel on the airline baggage fees are waived. We attempted to resolve a baggage claim fee charged to us at the airport automated kiosk with customer service staff and they told us to resolve it later via their toll free number so that we could make it to our flight. In person, staff reassured us that we could resolve the situation later. We called the toll-free number today and were informed that the {$50.00} baggage charge would remain because we did not use the appropriate card with the appropriate reservation. 

Feels like a fradulent perk of this card. We would like to dispute this charge and the customer service around this issue was terrible!!

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 2018-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Opened a new IRA account with XXXX XXXX ( XX/XX/17 ) and was supposed to receive a {$500.00} bonus for transferring in $ XXXX+ in holdings. Used promotional code XXXX. Have only been credited {$250.00} bonus instead of the full {$500.00}

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 monetary relief
Consumer complaint received 2018-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Two previous mortgage payments ( XX/XX/XXXX and XX/XX/XXXX ) are being held in " unapplied amount '', and my statement is reflecting these as " past due ''. However, the unapplied funds exactly equals the past due amounts. I have contacted the servicing company (  LoanCare ) on two separate occasions ( XX/XX/XXXX and XX/XX/XXXX ). Each time I was assured the payments would be applied, the second time the agent even spoke with a supervisor. Each payment was for the amount due ( no late charges are due or outstanding ), and no one could explain why my payments were not being applied.

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 2018-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
Initially given $ XXXX credit limit. Used {$1100.00}. Tried to make {$700.00} purchase - declined! Found out limit lowered to {$1500.00}. Was never late making payments, always paid a little more than minimum. Was never told limit lowered. Seemed unethical & illegal for them to do this.

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 2018-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Debt ( {$9200.00} ) was from XX/XX/XXXX by XXXX, Debt was parked and resubmitted on XX/XX/XXXX, incorrectly put the age of the account from 3yrs to 1 yr, information on credit profile is incorrect and have disputed with the Credit Companies, they files as other however it is a auto, never sent me information about parking debt or that it is a valid debt to pay, no contact from NCB at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

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 2018-07-29 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: Freedom Mortgage Company
State: CA

Complaint narrative:
I HAVE A 30 DAY LATE ON MY CREDIT REPORT. I PAID ON XX/XX/2018 FOR THE AMOUNT OF XXXX IT WAS taken from my acoount. I called freedom mortgage. I spoke with a REPRESENTATIVE and they told me to email my supportive documents and a brief message and they should remove 30 day from my credit report. Freedom mortgage is starting that they never got my payment. I was told it never cleared from my bank. I have my online banking showing it was taken out. I did have two return checks but not for this amount. Then i was told i made a payment on XX/XX/2018 in the amount of XXXX. I never made a payment on XX/XX/2018 and never make a payment in the amount of 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