vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I have been harassed by AMCOL for a debt that I do not owe. The hospital where I was admitted ( XXXX XXXX, 2015 ) incorrectly coded the visit which caused a rejection by the XXXX XXXX XXXX XXXX. I called XXXX and opened a case number. This was last year. I contacted XXXX XXXX XXXX and they admitted they never sent me a bill or I would have known to dispute the claims. The Doctors at the hospital falsified their reports which has caused all of this in the first place. I never heard back from XXXX XXXX Hospital or XXXX since I contacted them over 6 months ago to try to resolve this issue. I engaged an attorney to get AMCOL to leave me alone, and they would not stop harassing me. I threatened to sue them, and that is when they put this against my credit without resolving it with the people who engaged them. I have a copy of the hospital report, and the original claimant 's name is not on it. Again, they never sent me a bill regarding any of this, they sent me to a Collection Agency to harm my hard-earned credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX   Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   Trans Union  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX   XXXX  Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom It  May  Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX   XXXX    XXXX  Cell Phone :  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 2017-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I got a student loan through XXXX XXXX XXXX XXXX to pay for a 12 week XXXX XXXX course through the XXXX XXXX. I did not receive the 12 weeks of XXXX XXXX education, job assistance, and the certificate that I paid for. I believe the XXXX XXXX is a scam and a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Activehours
State: CA

Complaint narrative:
Activehours needs to access my XXXX account and is currently having difficulties as well as too my XXXX XXXX account also. Its been about two months now and it has been nothing but misrepresentation that has occurred. I would like to do business with Active hours, truly they are an interesting and unique company. I ca n't or we ca n't some how get connected for whatever reason. So I am being asked to reach out for some help from you kind people so we all can get going with this slight situation. Thank you in advance for your time and consideration. Have a wonderful day!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
We fell behind on our payments on our Home Equity Lline of Credit. After several attempts and complaints we were finally modified by our bank. However the modification we signed and our statements are not matching. We modified into a 15 year fixed rate loan with an interest rate of 2.740 %. Beginning balance was to be {$230000.00} which we feel is incorrect and we have sent inquiries on this but to no avail has the bank answered. We feel we were cornered into signing this or we would have lost our house. <P/>We made our 3 trial payments and have been paying monthly since. We are behind a month due to the renter of the property not paying us but the real issue is the way the statements read and issues with the modification itself. Attached is an amoritizattion schedule which was run and the amounts no way match the statements being sent to us. We need to know where every penny went and how it was arrived at. Also we have never received a signed modification by the bank and we signed this modification back in XXXX of 2016. Also this modification was to be recorded. As of today this has not been done. Attached is a copy of a runoff from the County recorder showing no modification recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Trans Union, XXXX and XXXX all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

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 2017-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I applied Chase Preferred Sapphire last month after being told by my banker that I am pre approved. Later the card was declined. When i spoke to reconsideration department i was told that i was not pre approved. I went to bank again and the banker who applied the card on my behalf spoke to lending department and he was also told that i was not pre approved. It seems that there is some discrepancy between the system banker is using and lending department is using or there is some bug in the systems. In any case, my credit report has been damaged due to the hard pull which would have not been done in case I was not told that i was pre approved and i would not have applied for the card.This is clearly due to the issue at chase system and i have suffered due to this. The intent of this message is to escalate this issue to the appropriate department and to get the hard pull reversed as the root cause is due to problem at chase side. Banker has already placed a request for the reversal and he was told that the request for the hard pull reversal has been made. I want to make sure that the reversal is done. Please confirm to me that the hard pull has been reversed. I was told that i was pre approved in branch whereas the lending department was not able to see that i am pre approved. I went back to banker and he confirmed again that i was pre approved. There is clearly some discrepancy in the systems used by banker and lending department. This is clearly a issue with chase and i would not have applied for the card had i was not told that this is a pre approval. This is clearly a mistake at chase side and thus my hard pull needs to be reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion, XXXX and XXXX all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

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 2017-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have been in the process of trying to do a deed in lieu with CitiMortgage officially since XX/XX/XXXX when I vacated the my home. I have had several different negotiators and they are have just been stone walling me. I have a second mortgage which I had to get approval from them to accept the settlement offer that Citimortgage as offering to them. XXXX XXXX finally accepted their offer but now My negotiator keeps stating that she is not receiving the documents that have been sent over to them. I had to get an extension from XXXX XXXX because of CitiMortgage. We obtained the extension which was until XX/XX/XXXX because Citi needed a 30 day time span. XXXX XXXX sent them the extension on XX/XX/XXXX and I sent it to them on or around XX/XX/XXXX. <P/>My Citi negotiator does not respond to any of my questions and now I am again receiving a request for the extension along with the XXXX forms all of these items have been sent to Citi on 3 or 4 occasions. <P/>I emailed a compliant recently to Citimortgage and am waiting on a response. However I emailed a complaint to Citimortgage in XX/XX/XXXXand the only thing that happened was I received a letter from XXXX XXXX in response actually trying to blame me for the reason it is taking so long for my deed of lieu to complete. <P/>I need help with Citimortgage. My negotiator does not read my emails and I want this issue to come to a conclusion. The longer it take my negotiator to do her job the worse my credit gets. unfortunately I lost my job and was unable to keep up with the payments on my mortgage. Citimortgage was suppose to help me and make this issue go smoothly. Their own paperwork stated that the process should take only 2 months. I lost my job on XX/XX/XXXX. In XX/XX/XXXX I advise Citimortgage that I would not be able to make payments, I put my home on the market and because of where we lived I was unable to sell my home. <P/>I know that Citimortgage does not care if this process goes through or not but there is a system set up for them to help me to complete this deed in lieu and they are to doing their jobs. <P/>Citimortgage has turned this process into an absolute nightmare and I need help from someone that can make them do their job so that I can begin my life over again. Any help you can give me will be greatly appreciated. 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 non-monetary relief
Consumer complaint received 2017-06-25 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: WI

Complaint narrative:
XXXX XXXX, Equifax, and XXXX all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: WI

Complaint narrative:
XXXX XXXX, XXXX, and Experian all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

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 2017-06-25 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: WI

Complaint narrative:
XXXX, Equifax and XXXX, all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: WI

Complaint narrative:
XXXX XXXX and Experian, all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

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 2017-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   XXXX   XXXX  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX    XXXX   Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom It May Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX   XXXX    XXXX  Cell Phone :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX   Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   XXXX   XXXX  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX  Experian Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom I t May  Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX    XXXX   XXXX  Cell Phone :  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 2017-06-25 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: AZ

Complaint narrative:
In XX/XX/XXXX I applied for an American Express Delta Airlines Skymiles credit card from a promotion that was mailed to me. The promotion was XXXX. I still have the mailer that was sent to me which expired on XX/XX/XXXX. The terms of the promotion were that by spending {$2000.00} on the card, XXXX miles would be applied to your Skymiles account. Spend another {$1000.00} ( {$3000.00} total ) within the first 3 months of card membership and receive an additional XXXX miles ( total XXXX miles ). <P/>I contacted customer service and requested an investigation. The Case # is XXXX. after several weeks of not receiving a response I called Customer service today XX/XX/XXXX at around XXXX EDT and the agent informed me that I did not meet the spending threshold. When I protested, she said she " misspoke '' and then informed me that I had actually applied to a different promotion that awarded XXXX bonus miles. How I could have applied for a different promotion is unclear since I applied through the number that was in the mailer with my skymiles card number. <P/>I believe I was misled by American Express and have cancelled my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Vehicle was surrendered XX/XX/XXXX this loan was discharged in chapter XXXX bankruptcy XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I sent Midland Funding a certified letter on XX/XX/XXXX stating this debt is disputed, and I requested validation bearing my signature that I am contractually obligated to pay them. I stated to them, if they could not provide me this information within 30 days of receipt of this letter, they must request that all credit reporting agencies delete the entry as per FDCPA 807 [ 15 USC 1962e ]. I also sent a follow up letter on XX/XX/XXXX. As of today XX/XX/XXXX they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: OH

Complaint narrative:
To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!

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 2017-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery is trying to collect a debt that the bank has discharged and set off to the united states treasury, I dont know how they acquired this information but it IS NOT A DEBT, its only information, Now I say to portfolio Recovery, show me the debt that I owe with tangible proof!! show me the original instrument of indebtedness, in its original form, or show me a valid contract proving my obligation to perform!! I 'm not your customer I 'm not your member and I 'm not your contractee, and I 'm not your consumer get the XXXX out of my life before I call a lawyer and start legal action immediately!!!! THE BANKS DISCHARGE ALL DEBTS TO THE UNITED STATES TREASURY!!! so what kind of XXXX are you trying to pull?? how much did you pay for your information?? 31 U.S. Code 3123 - Payment of obligations and interest on the public debt Current through Pub. L. 114-38. ( See Public Laws for the current Congress. ) US Code Notes Authorities ( CFR ) prev | next ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title. ( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.
( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited.
( XXXX XXXX XXXX, XXXX XXXX, 1982, XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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:
My grievance is with Transunion credit agency. I have a New York state tax lien that was filed in 2010 with reference number XXXX. The amount owed was {$950.00}. My paycheck and bank account were garnished and direct deduction made until the money way fully paid. I have since written letters to Transunion and filed an online dispute for the derogatory record to be removed. New York State law stipulated that the record should be removed five years after the lien has been satisfied. I beg you to use your good office to make Transunion comply with this State law. The tax lien was NYS state tax lien and not federal. The state law should be applicable to this lien since they are the originator of the lien.

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 2017-06-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried a 7 day trial with Equifax to see why all my scores had different numbers on different sites. It said XXXX for 7-day trial, that day Equifax charged my XXXX card XXXX for three scores. I never accepted this fee or agreed to be charged.

Company response to consumer: Closed with explanation