vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
*I have a small XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX ) * I  now have a mortgage loan with XXXX XXXX XXXX for Refinance or Payment on or about XX/XX/2019, I submitted a Refinance application to XXXX XXXX  XXXX *There were derogatory, false reportings on my credit report, *I then submitted an application to XXXX XXXX XXXX , Up until now I was told my application was approved, * Today I received an E Mail from Mr XXXX XXXX he and Credit approval chief have denied my application *The explanation is at best confusing and supportive Evidence is being withheld ( ... due to applicant, guarantor and/or Sponsor historical Information ... ) *Under Marsy 's law I am entitled to restitution, under Brady v.Maryland I am entitled to my Full And final " Historical Information ''

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 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One denied my application for The Venture card on XX/XX/2019 based on my national origin. 
I have a credit score about 810 - 820, excellent by XXXX XXXX measurement. 
So, it is not because of a credit score. 
I called customer service on XX/XX/2019 but nobody could resolve or explain the reason. 

Capital One denied my application for the same card last year for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
My phone number XXXX was used to receive money by another person using Zelle. 

Zelle refuses to give me any information on the person or bank with which my number was registered to receive payments sent to me. 

XXXX XXXX  ( where I bank ) also refuses to open a claim due to the fact that no money was sent from my account. 

I have requested Zelle to unregister MY phone number with that person and the bank, but they have refused to do so stating that probably this number was registered with them before I had it and therefore it is totally legitimate. 

As a result I have not received {$1200.00} sent to me and I can not get any information to start the process of reclaiming the money. 

I am also not able to use my phone number securely in the future since as I now know somebody else has this numbers as his/hers and it is used for banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Commonwealth Financial Systems is attempting to collect a debt that does not belong to me, while also violating HIPPA laws by obtaining my CONFIDENTIAL medical records. I NEVER signed a contract with Commonwealth Financial System, nor did I give XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX permission to release/sell my personal, CONFIDENTIAL medical records to a third party. 

Commonwealth Financial System needs to delete this alleged debt from all credit reporting agencies NOW, and not return, or sell this alleged debt back to the original creditors or a different collection agency. 

Service Date XX/XX/2016 XXXX Ref # : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal made my remaining Account balance available for me to withdraw as 180 days had passed since my Account was limited and they notified me of this decision via email. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: FL

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX   XXXX**** XXXX XXXX XXXX XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am with Amex Serve, the WORST WORST WORST checking account ever!!!! 
They literally made me XXXX since I haven't been able to use my account for almost a month. The cards never show up at the right address, or if they do they do not work or quit working. Then when I order a new card I get locked out of my account. They refuse to refund my money as they hold it hostage. They refuse to mail me a check to close the account without an active debit card. Then they charge me fort each card, and if I lose it they lock me out of my account entirely so I can not access my money. If I go online to try and transfer my money, it blocks me. When I try to call customer service for help, it says that I need a 15 digit account number ( card number that I dont have ), and it WILL NOT let me through to speak with one of their robot service agents to get help, and if I ever get through by absolute miracle, then they tell me that I am not allowed to have a new card because they shipped it it the wrong address so I am not allowed to close my account, request a new card, or transfer any money because they keep making the same mistakes. They have cause huge hardships in my life and I am ready to file a lawsuit. I have decided since I am XXXX  now thanks to these crooks that its better to have my mail going to advocates who are witnesses trying to help me. You are a terrible to do this to me AMEX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-23 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that  were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted XXXX via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.

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 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted XXXX via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted XXXX via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.

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 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Winn Law Group is very unprofessional, rude and illegal! Attempting to collect on a very old debt from XXXX ... .this account was an identity theft in first place and XXXX received dispute complaint back in 2015 and I NEVER received any collection notices from them and all of a sudden now collectors from WINN LAw group are threatening to arrest me if I didn't pay the full balance owed immediately? .... I'm on XXXX which is my only income and they are threatening to levy my accounts and garnish my XXXX pay .... Isn't this illegal to do? ... please help WINN Law Groups claims to be collecting for XXXX, who stated they do NOT have any past due balances on this account or in my name .... 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: MD

Complaint narrative:
Equifax keep reporting the same inaccurate information that was closed in my bankruptcy 2017 in which they have recorded. Over and over again which causes my credit score to drop over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There is a charge off listed on my credit reports ( XXXX, XXXX, and XXXX ) that has {$0.00} balance and is closed. I attempted to contact the company to verify the account via US mail. The letter was delivered certified, on XX/XX/XXXX. The company failed to respond and was not able to verify the account, yet it remains on my credit reports. 

Attached is the letter requesting verification. Also, attached is a receipt from the US Postal Office and an image of the US Post Office 's site with tracking information, showing the letter was delivered 45 days ago on XX/XX/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 2019-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have been in a loan modification program for 4 1/2 years with Nationstar / Mr. Cooper. Prior servicer was XXXX, who attempted foreclosure after offering a modification, and me complying and following procedure. I head to hire an attorney to make the new servicer honor XXXX promise. Actually paid one attorney XXXX $ who is now in jail, and then the current one who worked the plan out. I have made all payments on time for 4 1/2 years, even after force placed homeowners insurance that I had no say so in. A couple of years ago while checking my credit, which had remained low, despite no late payments, I realized that XXXX XXXX wasnt reporting anything to the credit agencies, however they do report every month that I had 13 missed payments from over 5 yrs ago. Now, as we approach the end of the mod program, and were expecting a loan forgiveness of all of the past dues from XXXX that carried over, mr cooper transfers my loan to XXXX, although they neglected to inform me of the change. In the process, they erased my current account info so i cant make XXXX payment, and also they split XXXX payment into a suspense account on the principal and interest, but dont show any accounting on the escrow payment, which clearly came out of our account and was paid to them. Meanwhile, I had to hire the same attorney again to demand info on my account, which has apparently not been handled yet. This is the identical behavior of XXXX from 5 years ago. From my perspective they are setting me up for foreclosure. The stress and trauma this has caused me and my family is indescribable. Its scary stuff. Apparently the new servicer isnt recognizing the remainder of the loan mod and have all of our loan info incorrect. We need help. My attorney recommended filing a complaint with the CFPB. Our program is the standard HAMP mod program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Resurgent Capital Services XXXX XXXX, 2019 Amount : {$470.00} Company is a third party that bought an alledge debt from XXXX XXXX. 
Company had place a debt collection derogatory remark on my record

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: MD

Complaint narrative:
I applied for American Express XXXX credit card in XX/XX/2019, The offer was Earn XXXX Bonus XXXX XXXX Points after you use your new Card to make {$3000.00} in purchases within the first 3 months. 
I got this card and spend over {$3000.00} in purchases within the first 3 months but American Express denied me XXXX Bonus XXXX XXXX Points. 
After multiple calls to Customer service and management I received written response stating that under Terms and Conditions " American Express reserved the right to modify or revoke this offer at any time for any reason. .. '' Very convenient Terms and Conditions! 
At any time for any reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was contacted by XXXX in regards to a job with XXXX XXXX on XX/XX/XXXX. These people pursued to offer me a position and send me a " bonus '' check on XX/XX/XXXX. Through my PNC Application, I uploaded pictures of this check and PNC accepted the mobile deposit. I waited the appropriate timeline per our customer agreement for PNC to clear the funds and release the funds into my account prior to making any transactions. I made two separate transactions several days after PNC released the funds, at this time the check had been deposited into my account. A few days later, PNC withdrew the check from my account claiming insufficient funds, as a result of a fraudulent check from the aforementioned XXXX XXXX, causing my account to be overdrawn. When I became aware of this, I immediately went into the PNC on XX/XX/XXXX, to discuss the issue and the overdraft. During the discussions, I was told that PNC was going to open two disputes within PNC in regards to the fraudulent checks. I asked to dispute the fraudulent check and asked why PNC would release funds into my account without verifying the funding source. I also inquired about why PNC would allow transfers out of my account without verifying I had those funds in my account as well. I was also told that PNC would defer my overdraft fees at least 30 days after this was resolved and they had lied to me about this and started charging me the day they denied the disputes on their end. PNC has informed me on XX/XX/XXXX that my disputes were denied, however my disputes were filed within XXXX, regarding the transfers out of my account. There were no disputes placed on PNC for the Fraudulent check and PNC 's verification process behind transfers in or out of my account. Today, XX/XX/XXXX, I called a number given to me on the dispute to obtain documentation regarding the resolution. The lady from PNC told me that there were no documents and also that there was no way to dispute Fraudulent checks within PNC. Since there is no formal dispute for Fraud, she offered to leave a note from a supervisor to contact me. 

I have also contacted the FBI and my local police department in regards to this situation. Ultimately, my issue lies with PNC not performing internal controls around customer deposit accounts or performing due diligence for checks coming in from financial institutions or performing due diligence/settlement procedures for customer deposit accounts prior to funds release. The financial institution 's lack of controls and due diligence facilitate and enable fraudulent behavior and allow malicious agents to continue to defraud consumers while PNC profits from their deficiencies and the bad actors via assessments of overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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