vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 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: AL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My bill is supposed to be available on my account. The website has been down for at least a week. I have tried to use the app to make a payment but it locks me out. I will be attempting to call and make a payment over the phone. At this time I don't know how much my payment is. I have been attempting to get online and make the payment for for a week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was given late payments for a chase account from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
sent Citibank two letters to close my XXXX XXXX, {$500.00} master card account and they have thus refused to close and return my Ernest deposit. 
there for asking the government to force them to comply. 
they already failed, to open a checking account based up on discrimination they deny, so I want nothing to do with this lousy discrimi tort bank. 
XXXX, opened a {$1200.00} credit card with no problem or security and a new checking account no problem, so I have no need for Citibank and never will.

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 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The following inquiries done by XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX were not authorized..I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
XXXX XXXX  has me in collections with Enhanced Recovery for equipment and I have my receipt showing I have turned in all equipment. 

XXXX {$720.00} enhanced recovery company This is on my credit report and it needs to be deleted, paid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: IN

Complaint narrative:
I have a small business revolving charge/Credit Card account that was opened by my XXXX. Unfortunately, it is attached to my Social Security number, and is showing on my Experian, XXXX XXXX, and XXXX  reports. I have asked the issuing bank to assist, they tell me that I must reach out to the credit reporting bureaus. I filed complaints with both banks and was denied by Experian and XXXX. The business account is still on my personal credit report and is dragging down my personal credit score. XXXX XXXX removed the account without issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The following inquiries done by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ON XXXX, XXXX XXXX  were not authorized..I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: ERC
State: FL

Complaint narrative:
This account has been paid off in full information is not correct I have returned the equipment and made payment in full this information needs to be updated should not be showing delinquent on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: IN

Complaint narrative:
The following inquiries done by 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  were not authorized..I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX. I go to branch to close my account due to my bank checks were robbed. I told representative my concerns about maintain account open. I fill up documentation. I had on my account previous of clossure {$27.00} the representative tolds me due to close the account before the year the will charge {$15.00}. 
Process a transfer to my personal account of {$12.00} and left {$15.00} on the account. 
Next day XX/XX/XXXX, I received a call from branch and told me the account couldn't be close because a payment of {$20.00} from a service I authorized income to the account. 
They pay the amount cause on my account I had {$27.00}. 
They acredited to my personal account {$12.00} but they never deducted the {$12.00} from the main account. 
They charge me {$15.00} for insufficient funds to proccess the transaction of {$12.00}. 
Plus I have {$4.00} charges for the account in negative. 
I transfer to the account in issue on XX/XX/XXXX. {$46.00} dolars. 
I call customer service to report the issue they told me monitor the account and call them. 
I notice on my account only had on XX/XX/XXXX {$11.00} so I transfer today {$2.00}. My account have {$15.00} dollars at the moment. 
I call the customer service. Asking if the can take action or verify to branch to complete the process. They tokd me I have to wait until tomorrow XX/XX/XXXX to the accoubt get cleared. And I have to go again tonbranch to close the account. I told them I already submit the documentation. But they told me I have to go again to do the same process and no warranty of more charges in the time remains open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XX/XX/2019, Pioneer Credit Recovery called cell phone numbers that are under my name ( XXXX, XXXX and XXXX ) looking for a XXXX XXXX XXXX. After speaking with the person that called, XXXX, I asked for a supervisor and spoke with XXXX XXXX. Ms. XXXX explained that they go on the internet and pull phone numbers for anyone with the same last name and call them to try to locate the person they are looking for. They should not be calling any of my phone numbers since I am not the person they were looking for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/2019 I opened a dispute with cash app company for 3 transactions, {$49.00}, {$110.00}, {$61.00} I received a response from cash app company asking for more information and if I contacted the merchant to request a refund, I responded XX/XX/2019. I was issued a refund of {$49.00}, 2 transactions have not been received. I have been emailing cash app every day or other day asking about my 2 transactions, I received a email XX/XX/2019 asking me to submit the exact same information already submitted over 30 days ago. This is unacceptable I want my money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I called Shellpoint mortgage ( new rez ) at XXXX XXXX XXXX about removing my PMI since I have been in my home for the last 18 years and have paid into PMI previously and it was removed after 11 years, they refused. My home value and loan amount is well within the required percentage to qualify to have the PMI removed. I had to refinance to put the same home in my name alone per the divorce decree instead of both names. My name was on the original loan, its the same address, I have now had the current mortgage since XX/XX/2016 and have not had any late payments in the last 12 months. Actually I have only been late once in the last 4 plus years. I feel that it is unfair that I pay the PMI again for the same house for another 11 years because of a refinance was required. 

My home value is $ XXXX and the amount of my loan is now 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 2019-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC
C/O RESURGENT XXXX XXXX XXXX XXXX XXXX, SC XXXX  PH: XXXX
Made up account # XXXX Creditor XXXX XXXX XXXX  amount XXXX
01 XXXX $XXXX they have put both of these accounts on reports I have disputed these account through the bureaus and no result. 
 
But the problem is , they didn’t provide the documentation that proves I owe them anything . Where is the contract between their company and me ? Where is the full accounting, because I can’t just take their word for it that, I owe some company I’ve never contracted with, some made up number. Where is their license and bond for the state of Florida ?

.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: IN

Complaint narrative:
I have a small business revolving charge/Credit Card account that was opened by my XXXX. Unfortunately, it is attached to my Social Security number, and is showing on my XXXX, XXXX XXXX, and Equifax reports. I have asked the issuing bank to assist, they tell me that I must reach out to the credit reporting bureaus. I filed complaints with both banks and was denied by XXXX  and Equifax. The business account is still on my personal credit report and is dragging down my personal credit score. XXXX XXXX removed the account without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Through my interaction with Barclay Bank over the last several years, it is in my opinion that this bank fails to conduct business in professional and ethical manner. 

Latest unresolved problem : I had received kitchen cabinets that were damaged and had errors in the order that were charged on my credit card in XX/XX/XXXX and XX/XX/XXXX. When the merchant wasn't responsive to resolve, I disputed the two charges on my credit card, XXXX Visa by Barclay Bank. My first being, they failed to register my dispute and charge back until months later ( XX/XX/XXXX ) when I followed up. The merchant noticing this charge back months after deliver of the cabinets filed a police report. Even though not resolved, I wasn't willing to turn a civil case into a criminal one and I removed the dispute in XX/XX/XXXX. I was finally rebilled on XX/XX/XXXX ( {$2000.00} and {$830.00} ). The merchant claimed he was not credited and filed a mechanics lien on a housing co-op property where I live. I called multiple times and mailed a letter asking for proof the merchant was paid. I never received the letter that I was first asking for nor did I receive the details I requested. I requested what day and time was the merchant issued the payment, what manner of payment, and what merchant account was issued the credit. The matter is now urgent with 3rd party lawyers for the housing co-op involved that are threatening to hold me accountable for the legal fees if the mechanics lien is not removed within the next week. I tried to explain the urgency with multiple calls and with multiple representatives on XX/XX/XXXX to no avail. Instead, I get customer service representatives at Barclay Bank who laugh at me and give me a reprogrammed response. This is the norm, not the exception when dealing with Barclay Bank. 

Also, please be aware that the number they have been recently providing on the XXXX  XXXX XXXX  is inaccurate. I called this number and it was for the hearing impaired, no stated connection to the company. Further evidence that they fail to function in a businesslike manner. See below : " We appreciate the time you took to speak with us regarding this matter. Should you have additional concerns, please feel free to contact us via phone at XXXX so that a member of our Office of the President can further assist you. Our hours of operation are XXXX XXXX to XXXX XXXX eastern time, Monday through Friday. ''

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 2019-08-14 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: AES/PHEAA
State: GA

Complaint narrative:
Last night I was on XXXX XXXX and my credit scorXXXX was at a XXXX for XXXX and a XXXX for XXXX. To make sure that I was looking at the credit raise and to ensure that it was indeed mine I checked all the accounts to makes sure that it was all mine and all information was correct. I even logged out and logged back in to make sure I wasn't losing my mind. I saw that my payments for my student loans had decreased by overall debt balances and so I was on a great track. Then, suddenly within an hour 's time I logged in the XXXX XXXX again to show my husband that my score had been raised and my score was no longer at a XXXX for XXXX  and XXXX for XXXX but at a XXXX and XXXX and there was no reason given for the change that had just took place. There was no added inquiries nor new information about a collection added or anything. This is highly upsetting due to the fact that my husband and I are trying to purchase a home and I have been trying to working on my credit for the past 5 years. I am finally in a place where my credit can reflect that and I thought all of my hard work paid off. XXXX XXXX has done this to me before and I can not call them to and it takes two to three business days for a support representative to reach back out about this. I need for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MO

Complaint narrative:
PNC closed my account out of the blue on or near XX/XX/2019. I had applied and received a loan from XXXX for XXXX that I needed for car repairs on XX/XX/XXXX. This is a higher interest loan but I needed it badly. It was deposited into my account on XX/XX/XXXX. 

PNC closed my account without notice. They said they would send my balance ( the XXXX dollars that was direct deposited from XXXX ), within 10 days. Never received it. They sent a letter saying they would send my balance once all pending transaction cleared and settled. This was 2.5 months ago. 

I now am wayyyyyy behind on payments to XXXX and never even got access to my funds. PNC refuses to send my check for the balance they are STILL holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
This bank is making it hard for me to withdraw my funds out with my ATM card. I am at the machine today and it's saying I committed fraud taking out my own money in person. Yet last time this happened they told me the machine has issues and every other card holder it's flagging for fraud at that ATM machine. They poorly maintain the machine plus are accusing me a fraud when I have adequate funds in my account and the transaction should go thru. This is getting to be a form of harassment. They need to fix or replace the ATM machine. They have issued me a new card at this time. They said it would be a fix. Yet I was told last time the machine is in need of maintenance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My Equifax report is not based on reality. It shows almost nothing but one credit card with no balance. In reality I have 4 with a balance of about 2500.00 and a mortgage of XXXX. Which makes my score with them 100 points lower than the other companies XXXX  and XXXX. I called them and waited 30mins on hold to talk to someone who could barely speak English asking me questions about accounts I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
An AMEX supervisor promised me he would get my complaint reopened ( which he did ) and promised AMEX would reach out to the merchant ( which they didn't ). I told him that if we didn't hear anything back from the merchant, I would close my account. I expect AMEX to be able to get responses from businesses that use AMEX for receiving payments. AMEX closed my case less than 24 hours after the supervisor opened it and they never even attempted to contact the merchant!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: LEXISNEXIS
State: TX

Complaint narrative:
I submitted the paperwork to Lexis Nexis that they requested and I have yet to hear back from them. I need to know the status of a judgment they are reporting that is over the statue of limitations. It was my understanding that they have to follow the same guidelines as the other credit reporting agencies and the statue of them fall within the 7 years for which the judgement was over 7 years.

Company response to consumer: Closed with explanation