vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-17 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: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX. I received a debt collector letter how much I had to pay. I responded on XX/XX/XXXX. I requested for a validation and still waiting for respond. XX/XX/XXXX I found out it was reported on my credit report. The letter states that I have 30 days if I do n't respond they will report to the credit bureaus. IC System has violated the US Code Title15, Chapter41, SubchaterV- debt collection practices.They reported early to my credit bureaus at the XX/XX/XXXX day. Unfair and false statements. I contacted the credit bureau and sent in the docs and was removed. They do not have the right to do that. I looked in to the company and they really have bad ratings. This company should be fined for improper activity.

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 2017-11-17 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:
XXXX XXXX XXXX XXXX cra violation not mine id theft victim sent po report 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 2017-11-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX cra violation not mine id theft victim sent po report 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 2017-11-17 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
wells fargo XXXX XXXX cra violation not mine id theft victim sent po report 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 2017-11-17 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: TX

Complaint narrative:
hippa violation item no knowledge id theft victim sent po report sent cra

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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:
hippa violation item no knowledge id theft victim sent po report sent cra

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 2017-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MS

Complaint narrative:
XXXX XXXX 2017. XXXX report indicate I have an emergency bill medical via a facility that uses Commonwealth Financial as a collection agency. I have XXXX. I did not go in the hospital or emergency room for treatment. XXXX is reporting false information. This is the second false report on my credit since their breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Hello, on XX/XX/XXXX I made a payment to XXXX XXXX for {$1000.00} using my new PNC Cash Rewards card. The purchase was meant to meet the {$1000.00} requirement within the first 3 billing cycles to receive a {$100.00} cash back rewards offer. I also assumed that the {$1000.00} would get a 1 % kickback ( on normal rewards ). I noticed that the rewards had n't posted to my account, so I called PNC. A representative advised that my {$1000.00} purchase did n't qualify for the rewards, which I contested. I was then sent to a supervisor, who also refused to work with me. When I mentioned that I was going to file a CFPB complaint, he escalated me to XXXX in the escalations department. XXXX advised me that he would advocate on my behalf and work towards making an " exception '' for my {$1000.00} purchase ( he made no promises ). He also gave me his phone number, XXXX, and told me he would follow up with me shortly. Well, it 's 15 days later, XX/XX/XXXX, and I have n't heard back. I 've called him several times and left him several messages, and have not received a return call. My {$100.00} reward still has not posted. I 've used other cards for a similar purchase and have never had an issue in the past. I read the terms for the rewards and my purchase does not fall under any restrictions. PNC has their merchant code flagged incorrectly. All around, this has been a very bad experience with PNC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
BBVA-Compass admitted to making an accounting error ( CFPB Case # XXXX ) which left me with a {$20000.00} bill and not a mortgage. I request the right to have the bill converted back to an up to date mortgage. Because at the time of the accounting error, I was making timely payments. Also, I want to be allowed to refinance the {$20000.00} mortgage at the current interest rate based on my credit scores : XXXX, XXXX ; XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/17 at XXXX Eastern was the last call. There have been several others that I did not log the time ( I will if this continues ).
I XXXX XXXX XXXX as my source of income. The phone number involved is a mobile phone that I use for work. Passengers need to be able to contact me. I have received multiple calls from Portfolio Recovery after telling them to never contact me on my business number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CIT BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX is reporting the status and amount of a mortgage  for a home I sold in XX/XX/XXXX inaccurately.  They are reporting that the home was foreclosed and I am attaching evidence that this is false via the payoff letters I received from both lien holders.
They are also reporting an incorrect loan amount of $XXXX.  This loan was originally originated with XXXX  in the amount of approximately $XXXX.   
I have tried disputing this with the three credit bureaus in addition to calling XXXX so they could research this issue.  They have been unable to provide documentation to support this loan balance nor have they shown any goodwill made any attempt to update .

CIT BANK XXXX
XXXX XXXX XXXX XXXX, MI XXXX 
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Joint Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL
REAL ESTATE
MTG
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
Last Payment Made: XX/XX/XXXX
High Balance: $XXXX
Pay Status: >Account 120 Days Past
Due Date<
Terms: $XXXX per month, paid Monthly
for 30 months
Date Closed: XX/XX/XXXX
>Maximum Delinquency of 120 days in XX/XX/XXXX and in
XX/XX/XXXX<
Remarks: >SETTLED-LESS THAN FULL BLNCACCT PAID,FORECLSR STARTED<
Estimated month and year that this item will be removed: XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX/ XXXX XXXX appears with a high balance owing. 

There are XXXX dollars due to this Company. 

I have attached a Copy of most recent statement, that I printed online. 

I need for All 3 credit bureaus XXXX, XXXX & TransUnion to show XXXX amount owing. Correct Credit Reports and increase credit scores for all 3 Bureaus. 

Thanks

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 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I never looked at my credit report, because I did n't know how to do so. But when I get the account to get in, so much companies reported informations that I have no idea about. I need help. It hurts me. 

Dates : XX/XX/XXXX Amounts : {$920.00} Actions : I called XXXX XXXX XXXX  and told them that I did not get on the Paramedic when they came to get me after an XXXX XXXX. My girlfriend told them the hospital never help, so I was not going, neigbors called them but I did not go. I got better on my own term by using natural help from neighbors, by the time they get there. I was already OK. They took my social security number, name and left, and later a bill of {$920.00} came. They did not even touch me. After a couple of years of argumenting with them they got XXXX XXXX XXXX to collect the amount of {$920.00} which we brought a solution in to remove it years ago, but on XX/XX/XXXX it came back on again. And then they got another Debt collector name XXXX XXXX also collecting another {$650.00} which I have no idea where it came from also. 

Dates : XX/XX/XXXX ( 5 yrs, 5 mos ) Amounts : {$460.00} Actions : I called them, I have no idea what 's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I do n't live 2 hours close to it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports. 

Dates : XX/XX/XXXX ( 2 yrs, 7 mos ) Amounts : {$520.00} Actions : I have never have a XXXX XXXX service in my life before. Even XXXX XXXX yesterday could not verify it. So this needs to be removed. And they need to verify the social security of the person that owed them. The debt collector XXXX XXXX XXXX needs to remove this from my credit report. I have no idea what would this bill for. 

Dates : XX/XX/XXXX ( 3 yrs, 10 mos ) Amounts : {$100.00} Actions : I did n't take action because people who owe XXXX ca n't still have service with XXXX, I have been with XXXX for 4 Years now, never have an issue. Where is that payment coming from. XXXX XXXX XXXX  needs to verify with where they got this information and find the right person who owe them. 

Dates : XX/XX/XXXX ( 3 yrs, 9 mos ) Amounts : {$530.00} Actions : XXXX XXXX is collecting {$530.00} for XXXX XXXX XXXX XXXX which I have no idea what 's that. This needs to be removed. 

Dates : XX/XX/XXXX ( 2 yrs, 8 mos ) Amounts : {$520.00} Actions : XXXX XXXX is also collecting {$520.00} for XXXX XXXX XXXX XXXX which I know but the amount is totally wrong, and the account is more than 7 years old, a family member bought something with it when I found out about it later, and forgot about it ... 

If it was not for XXXX XXXX, I would never know about those false reports. Please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DFC Global Corp.

Complaint narrative:
I contacted the loan places Im on XXXX XXXX there saying I have to pay {$500.00} a month that not right it from moneymart

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX is listed on my credit report for transunion as a charge off. This account is illegal and invalid in the state of Florida as it violates the state of Floridas statutes. Ive disputed this and transunion has allowed them to illegally conduct collection activities that violates my state laws and my rights.

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 2017-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have contacted Portfolio Recovery Associates, LLC with 2 written  letters on Validation of debt in regards to a notice they sent on XX/XX/XXXX stating this communication is an attempt to collect a debt. 
Amount of {$2500.00} and {$2100.00}. 
Then continued to no Validate the debt and send replies without any contract verifying that I have a signed contract with them. On all harrising communication dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, it specifically states on their letter head on the bottom in bold : This communication is from a debt collector but is not an attempt to collect a debt. These accounts are listed on my credit reports as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Have had non stop issues since opening " opportunity checking account '' with webster bank. 


1. ) online banking is extremely unreliable. transactions, regardless if theyre debit, credit, ach, or even transfers between accounts, post and unpost randomly with no rhyme or reason. in the words of the branch manager herself " you never know when something will post " making it extremely difficult to accurately manage your account. to make the problem even worse, even though webster is aware of this issue, they dont make you aware of it until after you realize it and have problems, often resulting in fees. 

2. ) was told by the person who helped me open the account that it is " basically impossible to overdraw ", this is just a flat out lie. 

3. ) the bank often tries to blame delayed charges on the " merchant '' and their processing, however, this holds no water. I have used numerous debit cards and credit cards at the same merchant, and only webster will delay the charge for what seems like a totally random and unpredictable amount of time. different cards used at the same merchant have no issue processing at the time of sale. 

4. ) all problems with the account could have been avoided from the very beginning had the overdraft protection service been offered. this is something i realized was available months after opening the account, and i made this realization myself. this service has still not been offered or suggested by any webster employee, even after numerous overdrafts. 

all these things considered. i have to say that webster bank is either negligently run, or is running a scam. the delays in items posting, bad information given, lack of protection offered, etc, all leads me to believe they are intentionally creating overdrafts to collect fees. this is also reinforced by the fact that the type of account i have as seen as " high risk '', or more likely to over draft, so perhaps an easy target for this type of scam. webster all has a history of law suits they have settled for millions of dollars alleging the same exact thing. 

most recently, just this morning, i noticed a very alarming " mistake '' on my account. I had transferred on XXXX/XXXX/XXXX the amount of {$1100.00} into another webster account. the XXXX accounts share an account holder and the transfer was immediate. the funds were properly distributed at that time. the following day, XXXX/XXXX/XXXX, the {$1100.00} was in BOTH accounts. i believe this was a blatant attempt to get to me spend some of it, and then charge me with over draft fees when the " error '' was corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17 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: FL

Complaint narrative:
In response to : CFPB- XXXX EXPERIAN To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX  has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX appears with a high balance owing. 

There are XXXX dollars due to this Company. 

I have attached a Copy of most recent statement, that I printed online. 

I need for All 3 credit bureaus XXXX, Experian & XXXX  to show XXXX amount owing. Correct Credit Reports and increase credit scores for all 3 Bureaus. 

Thanks

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