vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-06 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
My previous complaint # XXXX States that portfolio recovery is inaccurately reporting incorrect dates for debts owed. Their response is they have no control over the information reported? Portfolio Recovery reported the information to the credit bureaus initially. Portfolio has denied taking responsibility for he information they communicated to all credit bereaus. Portfolio recovery stated they are not responsible for the inaccurate information? Do they not have the responsibility to report correct information if they are aware its inaccurate? I demand portfolio recovery correct the errors instead of doing nothing to correct the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Status : Answered XX/XX/XXXX THE SALEMAN SOLD ME A CAR I DIDN'T WANT I CAME TO BUY A XXXX XXXX ON A GUARNTEE OF 3 DAY CANCELATION IF I WAS'NT HAPPY AND IS WHY I AGREED TO BUY AND IT WAS XXXX BELOW ******** A XXXX   XXXX I CAME TO PUT XXXX DOWN THEY TALK ME INTO XXXX ... UPON SIGINING ***** IS DOING THE CONTRACT ..THAT IS STACKED WITH A DISCLOSER TO DECLINE THE 3 DAY CANCELATION WITH OUT SAYING ANYTHING ABOUT THIS IS TO DECLINE THE 3 DAY CANCELATION THEY GUARNTEE AND WAS THE REASON I PURCHAED THE CAR AND THE SELLING POINT FROM SALESMAN THIS WOMAN IS TRAINED BY MANAGMENT TO DO THIS AS SHE TELLS HER LIFE STORY AND SAYS INITIAL AND SIGN PAPERS AND COMMITS FRAUD FOR THE OWNER WHEN SIGINING I HAVE TO TRANSFER XXXX TO MY CHECKING FROM SAVINGS I FIND THIS OUT AFTER CHECKING MY BANK ACCOUNT TO FIND OUT THAT SHE TOOK XXXX AND MY OVERDRAFT COVERED IT ... I DROVE THE CAR BACK TO RETURN AND THEY WERE VERY RUDE AND UNPROFESSIONAL WENT RIGHT TO THE PAGE I HAD NO KNOWLEDGE OF SIGINNING AND TOLD ME GET OUT WELLS FARGO PROVISIONED THE XXXX TO MY ACCOUNT AFTER I RETURNED THE CAR AND BOUGHT A XXXX THE NEXT DAY AND EVERYTHING WAS CORRECT THEN I SEE XXXX MISSING ON XX/XX/XXXX I WENT INTO BANK BRANCH TALKED TO MANAGER AND HE SAID THAT THE DEALERSHIP WOULDNT GIVE THEM THE XXXXSO THEY TOOK THE XXXX BACK PLEASE HELP ... 
THANK YOU, XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX Response XX/XX/XXXX *** ****** purchased a pre-owned vehicle from us. He signed a contract and all other legal documents. He purchased the car and drove it home. At some point he had buyers remorse and decided he did not want the car anymore. 

*** ****** did not purchase the recision agreement. In fact he declined it on the contract. You cant just return a car because you dont want it anymore after taking home. We are sorry ** ****** is upset and would be more then willing to help him trade it in for something else he wants.

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 2019-01-06 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I contacted Citi about unauthorized transactions and they did not investigate and closed my credit card account for no reason and are not responding my my letters

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 2019-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I disputed this to the company wells Fargo that is involved with credit bureaus and nothing was done, the car in question the XXXX  XXXX XXXX that this is about that I bought XX/XX/2018 I returned the vehicle to the place I bought it at which was XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX it was a personal repossession in which XXXX XXXX was informed about, they told me they were going to file all the paperwork letting everyone know yet they filed nothing, and I am now still be harassed by wells Fargo and threatened for a vehicle I do not own anymore, XXXX XXXX hasn't done what they said they were going to do and file all the paperwork, now the fact is wells Fargo keeps attacking both me and my credit report, in letters threatening me that they are going to repo the vehicle, now how can they threaten me that they will repo a car when I don't own it? The other fact is if XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MA XXXX isn't properly filing there paperwork why is it that ex customers have to keep being threatened cause they don't file the paperwork properly, the fact is wells Fargo is just as much to blame cause they refuse even after a dispute to go or call XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, MA XXXX to verify that the vehicle was indeed returned as a personal repo already instead of threatening me all the time, the fact is the credit bureau don't do XXXX to actually fully look into it.

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 2019-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC
State: NC

Complaint narrative:
I have an open collections account on both XXXX and XXXX credit reports with PMAB in the amount of {$210.00}. 

In XX/XX/XXXX I called and made a {$50.00} dollar payment, requesting that the money be credited to the {$210.00} balance. The PMAB Representative told me I would receive are receipt for my payment via email. I never received my receipt. 

The account was reported again on XX/XX/2018 as {$210.00}, as if the payment had not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX, a series on letters to Experian Credit reporting agency to correct inaccurate information was submitted in writing to provided address. As XX/XX/XXXX, Information has not been corrected. Have filed online disputes and have tried to call for an in person effort to correct the problems, but inaccurate information still remains. 
I have tried diligently to repair credit and correct information as to show positive steps in securing better scores for the future.

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 2019-01-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX, a series on letters to XXXX XXXX XXXX XXXX to correct inaccurate information was submitted in writing to provided address. As XX/XX/XXXX, Information has not been corrected. Have filed online disputes and have tried to call for an in person effort to correct the problems, but inaccurate information still remains. 
I have tried diligently to repair credit and correct information as to show positive steps in securing better scores for the future.

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 2019-01-06 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: NC

Complaint narrative:
Loans in forbearance due to XXXX and unable to finish school or work

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 2019-01-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Loans in forbearance due to XXXX and unable to finish school or work

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
We lost our household main income in XX/XX/2016 and got behind.We saved our house 1 time before and had to pay over XXXX dollars to do so as first loancare said you owe XXXX which is way larger amount than our amount of delinquency. We got loans sold items paid the amount. Then they said it wasnt made in time, house was already sent to foreclosure we had to pay another XXXX to get it from there and back to legally mortgage. We almost lost everything we owned cars etc to pay this amount but saved it. Now owe so much on loans we had to save it the 1st time we got behind again this year. Weve offered fo pay 2 months as they are saying 3 are due even if XX/XX/XXXX. Isnt even here yet, but they said theyd refuse them. I'm calling HUD on Monday, but there has to be some help out there with these people. It is every 6 months them doing something mike this to us. Weve tried the loss mitigation with the company they refuse is except the 1st time 24 mo ago lowering our payment by {$20.00}. But that was prior to the job I was at letting me go.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I applied for the XXXX XXXX Business car through American Express on XX/XX/XXXX. A XXXX XXXX sign up bonus was offered with this card. Per the Terms and Conditions : " Earn XXXX XXXX XXXX Points You can earn XXXX XXXX XXXX Bonus Points after you spend {$3000.00} ( the " Threshold Amount '' ) on eligible purchases on your Card in your first 3 months of Card Membership. Eligible purchases to meet the Threshold Amount for this offer include those made by both the Basic and Additional Card Members on the Card Account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents. '' I met the spend threshold amount on XX/XX/XXXX. On XX/XX/XXXX, I reached out to American Express to inquire about the status of the bonus. I was told it was not attached to the account but that an investigation would be performed. I inquired again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was informed that the bonus was applied to the account but the bonus that the representative read to me was incorrect. He said he would open an investigation and to contact Amex in 7-10 business days. On XX/XX/XXXX, I reached out again and was informed the previous agent was incorrect and to give them more time. On XX/XX/XXXX, I contacted Amex again. Based on the Terms and Conditions, the bonus should have posted with 6-8 weeks. At this point I was told that I did not qualify for the bonus, despite receiving no warning from American Express that I did not qualify during the sign up process ( a service they offer ) and differing responses from previous agents. At this point, due to American Express ' delay in informing me of this, I was also past the point where I could cancel the card and receive a refund for the annual fee. 

This is a clear case of bait and switch by the card issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: CA

Complaint narrative:
I do not owe there shouldn't be a collection i paid my bill with XXXX XXXX XXXX in full, it was equipment that was turned in a day late XXXX pardoned me and there shouldn't be a debt here is the report # XXXX XXXX XXXX XXXX gave me for this account for a follow up XXXX XXXX XXXX told me to call them in 7 days to make sure it was resolved they had no information for this collection. I have a new account with XXXX XXXX XXXX account # XXXX its not late. I think whats happening is these two accounts are being mixed up it looks like my recent account that i have now is in collection when it shouldnt be i'm sending the proof of my recent bill total owing {$64.00} which i already paid. and the old account # XXXX is on there for equipment returned a day late it wasn't put on file right away so it looks like i never returned it which i did. i can't find the confirmaition, XXXX will have to find it yet XXXX XXXX XXXX say there isn't an old account anymore. The collection agency has new account mixed up with old account closed. New account is not late at all. XXXX had no recolection of any information for me. not in collections. I need this removed immediately. im sending proof. the agency is reporting recent no wonder my credit score never goes up only down with a derogotory mark please have this removed its all wrong. im so stressed out about this. i couldn't get an auto loan and a homeloan. ive had so many im sorry we can not give you credit at this time so many. for a mixed up simple human error. Im so 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 2019-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
In XX/XX/XXXX I applied for an HSBC checking account and it was rejected because they " could not verify my identity ''. I thought I might have made an error in the application so I reapplied several times and each time I was rejected for the same reason. 
I am XXXX years old, retired and lived in Ct for 50 years.Prior to retirement I held several uS Security clearances. My credit score is about 800. 
I supplied HSBC with my drivers license info as well as info on an account at XXXX XXXX I have asked them many times what the issue is and get no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: MI

Complaint narrative:
There was incorrect information reported on my credit report. There were two separate loans from XXXX XXXX around {$160000.00} worth of debt. That affects all of my previous loans that were taken out due to income to debt ratio for loans that did not belong to me. Therefore interest rates higher and potentially declined for loans.

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 2019-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Six years ago I was told by my bank ( PNC ) that it'd be in my best interest to invest in rolling over my XXXX into an IRA with them. My XXXX though I hadn't invested any money into it in 3 years it was growing good! It had grew several XXXX dollars with it just sitting. I also had company stocks. PNC charged me {$3000.00} to roll it over. I've yet to make that money back! Let alone any profit as promised! Also my stocks didn't transfer with my rollover. They said I have to write some company a letter! So why did I pay {$3000.00} cash for??? I still have to do the work?! So idk where my company stocks are! My company stocks we're from XXXX. I'm still frustrated and so very regretful of this rollover with PNC. My money was fine where it was! I rolled {$15000.00}, cost me {$3000.00}, my balance is {$14.00}, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
I am XXXX years old living alone on social security. I learned Judgment XXXX issued against me. I tired to make payments but unable to pay rent, buy food or cover my XXXX XXXX XXXX, medicine and had to stop. These high payments toward the Judgment made it impossible for me to pay for medication that is over {$1000.00} per pill. 

Without correcting the reporting of this Judgment the sale of my deceased brother 's estate is prevented. That property ; XXXX XXXX XXXX XXXX NJ. fell into disrepair and is in bank Short Sale. 

It must close Title so the outstanding mortgage debt will be discharged. If not - it goes to Sheriff 's Sale. Its mortgage debt will liquidate the value of my deceased brother 's home at XXXX XXXX XXXX. XXXX, NJ and there will be nothing left to help settle the judgment since this property has equity and I have nothing. 

I tried to ask New Century Financial Services to help correct the report but they do not answer my requests. I contacted their law firm XXXX and XXXX but found my letters were never answered since they closed business. The Estate 's real estate broker discovered the name of their new firm but they have not answered. 

A credit disaster can be stopped if they release only XXXX XXXX XXXX from the Judgment so its not sold at Sheriff Sale. Sheriff Sale takes away all the remaining estate 's value in XXXX XXXX XXXX. XXXX NJ. Judgment XXXX needs to be specifically placed against it alone. 

Credit reporting has to show its released from XXXX XXXX XXXX XXXX NJ and specifically..record Judgement XXXX on XXXX XXXX XXXX. XXXX NJ. 

My brother XXXX XXXX. I am the only heir and struggling to complete a short sale to avoid a deficiency judgment against what is left in the Estate. 

The only thing of value I have is what will come from the sale of XXXX XXXX XXXX. XXXX NJ. I won't be able to make any payments on the XXXX if the short sale fails and a deficiency judgment is placed on XXXX XXXX XXXX. XXXX the remaining value of that property will be lost. 

I want to settle what is owed on the judgement but without New Century Financial Services cooperation in updating the  reporting with a specific property lien, I have no prospect of having any money in the future to make a settlement of payments of the judgment.

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 2019-01-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It Concerns, On XX/XX/2018, Experian completed an investigation that I initiated in reference to inaccurate accounts on my credit report ; please reference Experian report # XXXX. After reviewing the results of this dispute, I saw that they failed to complete a full and complete investigation as instructed by law. Had they done this investigation and not used their " E-Oscar '' automatic system, they would have easily discovered that my dispute was valid ; as a result, I now demand that they provide me with ALL information, documentation, and contact numbers, etc. that were used to conduct their investigation. As per law ( Fair Credit Reporting Act ), I have a right to demand this information and I expect their full compliance with my request.

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 2019-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
This is a follow up complaint to XXXX and, in spite of agreeing with this complaint, XXXX XXXX continues its harassment, intimidation, and incorrect billing. 

To pick up where we left off on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX offering to settle the ( incorrect ) bill for {$1300.00} or 80 % of what they claimed. There was no mention of CFPB complaint. 

On XX/XX/XXXX I was informed by XXXX XXXX that they processed my claim on behalf of XXXX XXXX XXXX and was paying {$1000.00} to XXXX XXXX XXXX. I sent the balance of {$280.00} along with a letter requesting a full, complete, and accurate statement. I further demanded that any derogatory information sent to credit bureaus be rescinded. 

On XX/XX/XXXX I received a letter from XXXX confirming payment of {$1000.00}. 

Instead of granting my request of XX/XX/XXXX on XX/XX/XXXX I received a letter dated XX/XX/XXXX from a debt collector, XXXX XXXX XXXX, claiming on behalf of XXXX XXXX XXXX and addtional {$330.00}. 

I replied to this letter stating the account is paid in full. 

It is clear that XXXX XXXX XXXX is attempting to bully me into paying additional money in spite of their offer of XX/XX/XXXX. It should further be noted that the lease was paid through XX/XX/XXXX.

Company response to consumer: Closed with explanation