vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 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: Accounts Receivable Inc.
State: WA

Complaint narrative:
XX/XX/2018 sent a certified verification letter to Accounts Receivable collection agency. I have never received a response from the company. I disputed with XXXX credit agency. There investigation concluded accurate without providing any proof to their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: AR

Complaint narrative:
SEVERAL BANK PULL MY HARD INQUIRIES FROM ALL BUREAUS, XXXX XXXX, XXXX XXXX ETC.

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 2019-05-28 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: FORD MOTOR CREDIT CO.
State: AR

Complaint narrative:
SEVERAL BANK PULL MY HARD INQUIRIES FROM ALL BUREAUS, XXXX XXXX, FORD CREDIT ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
REQUEST WAS MADE IN WRITNG OVER 2 MONTHS AGO CONCERNING ARREARAGE FIGURE AND QUESTION OF XXXX DOLLAR AMOUNT, TO DATE NOTHING HAS BEEN RECEIVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: RateGenius Loan Services Inc
State: NJ

Complaint narrative:
In XXXX I was considering refinancing a vehicle I have since paid off. I filled out the XXXX online form to view XXXX 's prospective offers for an auto refinance loan. An individual by the name of XXXX XXXX from a XXXX partner, RateGenius, contacted me on the morning of XX/XX/XXXX over texts. I was not interested to refinance at the time - I was just looking at prospective offers. I opted out explicitly over texts and told him I may refinance in 1.5 months, of which I have proof. Prior to reaching out, on XX/XX/XXXX he sent my application along with my Social Security Number to yet another company ( not a XXXX partner ) called XXXX 's XXXX XXXX XXXX that pulled a hard credit inquiry on my file. I found this out very late on XX/XX/XXXX. I'd like to state this business has qualification requirements to meet to be able to even take a loan from them, found on this site : " XXXX  : XXXX ''. It is correct to assume I have no such qualifications. I have two issues : 1 ) if I do not recognize or know you as a business, do not touch my credit file, and 2 ) XXXX 's false advertising on XXXX XXXX XXXX   ' : " When you find a lender that meets your needs and is able to offer a competitive rate, contact that lender and get the refinancing process started. '' This statement is false because the refinance process was already started prior to the XXXX XXXX reaching out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX gave a loan modification taking me to court or I signed their paper against my will but if I did I loos the house so they force me too they stoled all my loan modification 3 payments argument was they used for fraudulent thing like pay for some one to watch my house wen I was living in it ... or some other expenses they invented now days they keep talking about been late in my mortgage payments 3 months into the loan modification they claimed its the scrow payments started to change but the truth is that they adjusted every time the scrow changes they keep talking about a bankruptcy but no prove lies and fraudalent is their way every time I complain they send a lawyer they have to intimidate me costumer service won't help but their lawyers will not they send me a letter last week about mortgage been sold to a different bank claiming that I did a bankruptcy no prove but a lot of fraud going on between XXXX XXXX XXXX   and shellpoint mortgage services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
PRA never sent a fraud/identity theft affidavit as they stated on XX/XX/XXXX as they stated on their response to complaint # XXXX.The accounts mentioned on their response i have no knowledge of and they have failed to provide adequate debt verification. PRA is reporting fraudulent accounts under my name to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: TN

Complaint narrative:
On XX/XX/2018 XXXX has pulled a credit report under national credit cards/airlines I have never applied for any services through this company nor would I like to apply for anything through this company

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 2019-05-28 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: Capital Accounts, LLC
State: TX

Complaint narrative:
ON XX/XX/2019 I was contacted from Capital Accounts saying I owed money to a dentist that I have paid in full, I have all paper work from dentist, but now they are saying that insurance didn't cover something, anyway Capital Accounts told me I had to pay and if I didn't pay they were charging interest and that would also be reported to my credit report monthly until I paid. I have never received anything in the mail about this account and I have spoken to the dentist about their improper disclosure of how he said were in network and they spoken directly to insurance company and had the procedure approved how much I had to bring the day of procedure and 1 yr later their saying I owe more. 

Capital Accounts LLS XXXX XXXX XXXX XXXX, TN 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 2019-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: MS

Complaint narrative:
Starting XX/XX/XXXX they have been calling 5x a day. I paid part of my payment this month because I couldn't afford the entire payment. They have been harassing me since. They leave a voicemail but do not say what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When getting my credit score on XXXX XXXX I have never been able to see my equifax score. After talking with mortgage people I was told I was going to need my score from them. I have called dozens of times and sent in the required documents several times and nothing ever changes. They claim that they have nothing tied to my SS number and that I needed to call my credit card companies and make sure they are reporting to equifax. I have done that and every open account I have is reporting to them. It seems as though they are not willing to help me get this fixed and Im not sure where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I applied for a line of credit with XXXX XXXX to buy a new phone for my wife for XX/XX/XXXX. Upon applying for the credit line and being approved my order was successfully placed for {$520.00}. The following morning I woke up to an e-mail stating that I had NOT been approved for the line of credit and that XXXX was canceling my order. I didn't think much about it until I received a letter a few days later congratulating me about the credit line I was approved for, but to my surprise, the charge for the phone was still showing on the credit card despite the order being canceled and I never received the phone. I tried calling T.D. Bank ( the bank who manages XXXX XXXX ) and after 2 hours and a conference call to XXXX XXXX to remove the balance for a product I didn't get, neither company was willing to remove the charge. XXXX told T.D. Bank that it wasn't their problem and that they canceled the order, but T.D. Bank said that they can't cancel charges from XXXX. At this point, I owe a balance on a line of credit for a product I never received and it has been 20 days since the transaction was supposedly canceled. T.D. Bank even heard XXXX say that they canceled the order and that the charge should not be there. Please help me get some resolution on this before it destroys my credit. Additionally, I truly feel like T.D. Bank/XXXX XXXX was very deceptive with the advertising of this credit line and it feels like they just hooked me into applying for the credit line only to cancel the order after the approval went through. Any help is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Home Loan Center, Inc.
State: NJ

Complaint narrative:
In XXXX I was considering refinancing a vehicle I have since paid off. I filled out the LendingTree online form to view LendingTree 's prospective offers for an auto refinance loan. An individual by the name of XXXX XXXX from a LendingTree partner, XXXX, contacted me on the morning of XX/XX/XXXX over texts. I was not interested to refinance at the time - I was just looking at prospective offers. I opted out explicitly over texts and told him I may refinance in 1.5 months, of which I have proof. Prior to reaching out, on XX/XX/XXXX he sent my application along with my Social Security XXXX to yet another company ( not a LendingTree partner ) called XXXX 's XXXX XXXX XXXX that pulled a hard credit inquiry on my file. I found this out very late on XX/XX/XXXX. I'd like to state this business has qualification requirements to meet to be able to even take a loan from them, found on this site : XXXX XXXX XXXX   XXXX XXXX. It is correct to assume I have no such qualifications. I have two issues : 1 ) if I do not recognize or know you as a business, do not touch my credit file, and 2 ) LendingTree 's false advertising on XXXX XXXX XXXX XXXX XXXX  " When you find a lender that meets your needs and is able to offer a competitive rate, contact that lender and get the refinancing process started. '' This statement is false because the refinance process was already started prior to the XXXX XXXX reaching out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX I was considering refinancing a vehicle I have since paid off. I filled out the XXXX online form to view XXXX 's prospective offers for an auto refinance loan. An individual by the name of XXXX XXXX from a XXXX partner, XXXX, contacted me on the morning of XX/XX/XXXX over texts. I was not interested to refinance at the time - I was just looking at prospective offers. I opted out explicitly over texts and told him I may refinance in 1.5 months, of which I have proof. Prior to reaching out, on XX/XX/XXXX he sent my application along with my Social Security Number to yet another company ( not a XXXX partner ) called XXXX 's XXXX XXXX XXXX that pulled a hard credit inquiry on my file. I found this out very late on XX/XX/XXXX. I'd like to state this business has qualification requirements to meet to be able to even take a loan from them, found on this site : " XXXX XXXX XXXX   ''. It is correct to assume I have no such qualifications. I have two issues : 1 ) if I do not recognize or know you as a business, do not touch my credit file, and 2 ) XXXX 's false advertising on XXXX XXXX XXXX  ' : " When you find a lender that meets your needs and is able to offer a competitive rate, contact that lender and get the refinancing process started. '' This statement is false because the refinance process was already started prior to the XXXX XXXX reaching out.

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 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I had the credit card XXXX XXXX XXXX XXXX approved by PNC Bank on XX/XX/19 and everything was paid on time and I met all of their terms and conditions ; then all of a sudden I receive a letter dated XX/XX/19 from PNC that this account has been closed immediately based upon info they received stating " NEGATIVE PUBLIC RECORD '' .with no notice as to where this incorrect info came from.This is completely incorrect as I monitor all the credit bureaus religiously ; XXXX   and XXXX thru XXXX XXXX and the other XXXX directly and their is no notification as such as PNC states.I was put in touch with PNC rep after numerous complaints requesting the name of the credit source who disclosed this and was rebuffed by each person I spoke to. 

All I want to know is the source of this incorrect information ... ... ... .is it XXXX XXXX XXXX or XXXX ? 

Please help me with this request as this is an abuse of the Protection Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern. My name is XXXX XXXX and Capital One filed a suit against me on XX/XX/XXXX. Capital One and Its Attorney 's XXXX XXXX XXXX XXXX XXXX XXXX filed a suit against me without me being able to dispute the validity of the Debt. No Demand letter was sent out from the firm prior to filing suit. In addition, from XX/XX/XXXX to XX/XX/XXXX Capital One violated my rights under the FDCPA numerous times and contacted my brother on the debt. Capital One responded on XX/XX/XXXX and acknowledged that they contacted my Brother in error even though I revoked authorization to use his email as a form of Contact. Attached is the response from Capital One showing that they did contact My brother without my Authorization. Capital One then tried to downplay the Severity of the FDCPA violation and offered a small credit to the account instead. I do not accept the resolution givin and especially now that suit was wrongfully filed against me. In all fairness in light of Capital One 's FDCPA violation I will not take any Legal Action on this Violation if Capital One agrees to Dismiss the Suit With Prejudice. Please note Authorization was revoked to contact my brother email address regarding the account on XX/XX/XXXX, Capital One then contacted my brother numerous times after resulting in multiple FDCPA violations. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I had a checking account with Bank of America that was canceled on XXXX XXXX without notice. I visited the XXXX XXXX XXXX branch in XXXX XXXX Fl that morning to check on my SS. and left the bank with {$5900.00} in my checking account. Later that afternoon I attempted to charge my credit card and it was declined along with a notice to contact consumer service. I tried to access my account online but was denied access, No such account, I called XXXX and was told that they did not have a record of my account number or my SS number or my name. I was transfered to the fraud dept and put on hold for two hours. I went to the local bank the next morning and the branch manager was locked out of the account. She eventually got a notice that I was to call XXXX. I called and was informed that due to " suspicious activity '' my account had been canceled. A team would be assigned to review the account and an email would be sent informing me of the status of the account. A certified check would be mailed to me if it was determined that I had funds due. I have not heard from the bank and have not received my funds.

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 2019-05-28 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: TX

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 XXXXXXXX

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 2019-05-28 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo began to show a debt on my credit report as failed to pay in XXXX of XXXX which was discharged in a bankruptcy in XXXX. Once this was reported as failed to pay from XXXX to XXXX on my credit report my credit score dropped 24 points immediately. I contacted Wells Fargo and after speaking to several representatives and being disconnected having to repeat the process several times I was finally connected to someone in the " bankruptcy department ''. This woman took several minutes to look up the bankruptcy in court documents based on the case number I provided her and found the debt discharged in the bankruptcy. She then referenced an unrelated dismissed bankruptcy which made no mention of Wells Fargo or any debt which was dismissed in XXXX and stated that the debt was placed back on the credit report because of this. Wells Fargo is refusing to follow the law as it pertains to bankruptcy, they are refusing to contact the credit reporting companies to have the problem corrected in a timely. I need Wells Fargo to call the correction in to the credit reporting companies so that it can be applied to the credit reports within 24 hours.

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 2019-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
Near the end of 2017, my consumer credit monitoring app reported delinquent payments to Fedloan Servicing. I contacted them immediately because my account was set up on automatic bank draft and I had emails confirming each of my payments. The representative advised the transactions were not successful. Apparently, the banking information I submitted was incorrect. I was never notified the payments had not gone through. I immediately began doubling my payments each month to bring the account current, and asked that my consumer credit file be updated, as the company never contacted me to advise the transactions weren't successful. The company has refused, though they acknowledged they confirmed each of my payments and never notified me of the incomplete transactions.

Company response to consumer: Closed with non-monetary relief