vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been in contact with my bank regarding my mortgage loan since XX/XX/XXXX after reviewing my credit reports and showing they are not submitting payments that are being made on my mortgage loan. I have contacted the company more than several times over the course of the past 5 months. Yet, they still have not updated the three credit bureaus with corrected information regarding payments that I have made, also they have yet to reinstate my credit score. Which is desperately hurting me financially in many ways and continues to lower my credit score even  further. I have brought this matter to XXXX corporation many times over the past 5 months. I have even recently contacted all three credit bureaus in which. Only one has received any updated information. That information is still not submitted correctly by XXXX. I have been given the run around and the issues still have yet to be corrected by XXXX. I even contacted them this morning in which they stated everything had been submitted, corrected. Yet the credit bureaus stated either the information had not been submitted yet. Or is still incorrect. I also have yet to get my credit score reinstated as XXXX should legally be doing after they failed to report payments made on my mortgage loan since XX/XX/XXXX. I have done everything in my power to get the company to fix the issues on my credit. However, it goes absolutely no where and causes myself and my wife more stress and wasted time sitting on the phone. I am now asking for your assistance in this very important matter. Thank you, 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 2017-09-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello. I am writing in reference to incorrect information placed on my credit report. My name is XXXX XXXX, Social Security Number XXXX, address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The information placed on my credit report is in reference to a medical bill, for {$150.00}, by XXXX XXXX, titled XXXX, dated that it was opened " XXXX XXXX, XXXX ''. There is no account number presented on my credit report, nor is there any contact information for the hospital. The hospital is located in Maryland. This medical bill/account does not belong to me. I did not receive any medical service from this hospital during that time period. I have been living in XXXX XXXX, CA for the past 4 years, in which my credit report also shows my address as being in California. I disputed this information to all 3 credit agencies and XXXX and XXXX both found that there was not enough evidence to prove that the account belongs to me, therefore, they removed it within 2 weeks of my dispute. However, I have made the same dispute to Equifax, twice, and they still refused to have it removed, even after I called to ask them what proof was presented to prove that the bill belonged to me. The representative could not explain, just stating that the hospital had my name and date of birth. I then replied that they may have that in their database as they do with anyone who may have visited the hospital in the past. I have not visited that hospital in over 4 years. I have no other " negative '' nor derogatory information on my credit report besides this one hospital bill, which I know is clearly a mistake on their behalf. Also, I had never received a letter from them. I also contacted the hospital to dispute the charge and they told me to write them a letter to dispute and stated that there is nothing can do because they " sold '' the account to a collection agency. I asked what she meant by sold, she refused to answer. I asked her how could they sell someone 's personal information and do not have the proof needed to prove that they have the correct person. I stated to her that people use others information to receive medical treatment. She then stated again that I would have to contact the collection agency or credit agency. I wrote the letter and faxed it over and then was told two weeks later, when I called back to follow up, that they never received it. A different representative then stated that I needed to go through the collection agency or credit bureau because it is out their hands. I am requesting that this information please be removed from my credit report as it does not belong to me. And again, this is the only derogatory information on my credit report, which has caused a decrease in my credit score. Thank you so very much for your time and I look forward to hearing back from you soon. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account that appears below does not belong to me. I have reached out to the creditor and to the credit bureaus about this incorrect information that is reporting on my credit report. I am a victim of Identity Theft I have never ever had an account with these people. I have done all I can do by sending letters, conversations with numerous amount of people to resolve this matter. I am very mentally distraught! How can a person go through something like this and no one to turn to to get this matter resolved. I hope you guys can help me with this because I 'm tired of being dragged by the bureaus and 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 2017-09-28 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
The account that appears below does not belong to me. I have reached out to the creditor and to the credit bureaus about this incorrect information that is reporting on my credit report. I am a victim of Identity Theft I have never ever had an account with these people. I have done all I can do by sending letters, conversations with numerous amount of people to resolve this matter. I am very mentally distraught! How can a person go through something like this and no one to turn to to get this matter resolved. I hope you guys can help me with this because I 'm tired of being dragged by the bureaus and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XXXX XXXX mislead my dreams of higher education. Now I 'm in debt and have nothing to show for it. Im constantly being harassed by collection agencies and it 's making me depressed. '' They promised job placement and I was mislead regarding student loans. The courses I completed were non transferable as well. I was told they were.

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 2017-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal has a permanent block or restriction on my account which prevents me from using it and refers to following message : We recently noticed an issue with your account. To see what you can and ca n't do while your account is limited, go to the Resolution Center. 

Why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2017 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) The Paypal reps I 've spoken with stated that account is actually closed due to number of disputes filed, some are apparently outstanding as they are requesting information according to the message above. If account is actually closed then I should not be able to log in and the restrictions placed on it actually state I am unable to close it. Needless to say, this does not make sense. Please advise Paypal to either remove block or restriction or simply close account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: FL

Complaint narrative:
On XXXX XXXX, XXXX, A promotion for XXXX XXXX XXXX card was referred to me. The offer was XXXX points for my referrer and XXXX points for me after completing the spending requirement. 
On XXXX XXXX, XXXX, I applied the card via referral link and approved. 
I finished the spending requirement by the end of XXXX. Upon the completion of my requirement, my referrer got XXXX points bonus. However, my XXXX bonus has not been awarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I had a promo finance offer with Comenity Bank / XXXX XXXX, the promo finance expired on XX/XX/XXXX, the remaining amount due on this promo offer was {$620.00}. On XX/XX/XXXX, one day BEFORE the promo expiration I made a payment of {$620.00} which more than covered the promo remaining balance due. However, the bank still charged me the accrued interest a day later on XX/XX/XXXX of ( {$720.00} ) and another small interest fee of ( {$23.00} ) on XX/XX/XXXX. I should have never been charged these amounts. I have called / emailed through their support platform with no success. I am very disappointed with the lack of service I have received on such a clear cut issue and feel I can no longer trust this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Commonwealth Mortgage Corp.
State: CO

Complaint narrative:
On approximately XX/XX/XXXX I contacted First Commonwealth Mortgage Corp. out of Kentucky to assist me with a home purchase. I worked with gentleman by the name of XXXX XXXX XXXX # XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX all the appropriate paper work was submitted to to get me " Pre-Approved ''. Based on my income, taxes, and rental income I was almost instantly pre-approved. 
( Keep in mind pre-approved is different then pre-qualified ). I found a house and went under contract. XXXX told me " we 're gon na push this thing through as fast as we can '' asking me to forgive him if he seemed pushy and demanded documents be signed and financial documents be sent of as fast as possible upon request. Im fairly organized and prompt and felt nothing out of he ordinary hopeful that we can close fairly quickly. 
Between XX/XX/XXXX and XX/XX/XXXX all documents were in and the inspection was ordered, the appraisal was ordered and the earnest money was withdrawn and delivered. 
Contracts were drafted and signed at the negotiated asking price, and we were scheduled to close on XX/XX/XXXX. With a deadline to withdraw, decline or contest anything in the reports, and or contract by the XX/XX/XXXX. XXXX knew 100 % about this deadline. 
On XX/XX/XXXX. XXXX called and emailed me that the deal was dead and that I did n't get approved for the purchase. 
He stated it was a XXXX XXXX guideline at which I needed " 5 years self employment income. '' ( Fannie Mae has no such guideline ). After that I had my Financial and Real-Estate professional reach out to XXXX, at that point he said it was my " Debt to Income Ratio '' ... So which one was it? 
Either way, at the point of my application submittal XXXX XXXX should have noticed the " 5 year income rule ''. Or, based on my financial records seen that my " Debt to Income Ratio '' was to high. Either way he should have noticed INSTANTLY!. Also, a person can not use rental income for the purchase of a new home unless they have claimed rental income for 2 years on they 're taxes. Or have moved 50 miles away from primary residence. In any case I did n't meet either criteria. 
I believe XXXX XXXX was lying to me from the very beginning and was trying to get this loan approved by any means necessary. I believe shady practices were involved and calculations were grossly neglected. Whether its intentional mal-practice, laziness, or greed. I am now out {$2500.00} Earnest Monies {$1500.00} Appraisal Monies {$620.00} Inspection Fees {$420.00} XXXX XXXX knew instantly I did not qualify for this loan. Now XXXX families immediate futures are in shambles because of his, neglect and very un-proffessional ethics.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I live in California with the Equifax breach we are having to freeze our credit accounts with all 3 bureaus to help stave off the potential negative impacts of the data loss.
However, we are being asked to " pay '' a fee from the other two bureaus to freeze the accounts.
So basically, because one of the 3 main credit bureaus failed to protect our information and put us at risk, forcing us to freeze our accounts then the other two bureaus are profiting handsomely! 

We requested that Equifax reimburse us for expenses we incur with the other bureaus everytime we have to lock / unlock our credit accounts. 

They refused. 

We believe you should issue guidance that either the bureaus offer this service for free forever or compel Equifax to reimburse all of the people they put at risk. 

To expect the public to bear this burden is unfair and inappropriate. 

Please protect our interests ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I used a XXXX XXXX XXXX credit card at a Chase Bank ATM. The Chase ATM did not dispense the cash. I called Chase, whom I have a checking account with at the same branch that has the ATM that did not give me my cash - yet still charged the {$500.00} to the XXXX XXXX XXXX card. 

Chase told me they were not at fault ( after being very rude ) and told me it was XXXX XXXX XXXX who was at fault. XXXX XXXX actually had nothing to do with it. It was the company " XXXX XXXX '' who services XXXX XXXX 's prepaid cards who handled the claim ( XXXX XXXX is the ONLY company who actually helped me in the situation here - so the previous claim filed should be disregarded ). Both XXXX XXXX and Chase told me the other was at fault and neither would fix - mind you this was a {$500.00} withdrawal of cash that I was charged for and never received. XXXX XXXX said it would take them over 2 weeks to investigate my claim. Two Weeks? So I asked to see the documentation on my claim since they were acting on my behalf - they refused. I called Chase and again, they refused to do anything. 

XXXX XXXX finally calls me because they get my complaint, and they help me out - and call Chase and finally get the story. Chase knows that their ATM malfunctioned and yet they still have not refunded my money. They KNOW it malfunctioned but they are still keeping my money. This is theft!!! 

I called a district manager for Chase bank - no response. Nothing. 

The location is the XXXX XXXX XXXX XXXX, XXXX WA XXXX p. XXXX I am so happy with the service from XXXX XXXX XXXX when I thought they were at fault they were actually the only one who offered to help me. I am flabbergasted and quite frankly questioning if what both XXXX XXXX and Chase Bank have done is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Sent out letters to capital one auto Finance to remove or adjust repossession of credit report ... be hole was recovered and account was payed off early .... ( 2016 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted Transunion about a public record they have listed, Bankruptcy. Transunion have it noted that XXXX XXXX verified the information. When contacting XXXX XXXX they have sent me a letter that my file has not been shared and they have n't provided any information. I also contacted the county clerk that the said bankruptcy was filed and they stated that they do n't verify any information with credit agency 's. Transunion is giving false information. 

Also under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On approximately XX/XX/XXXX ( while traction was pending ) I filed a fraud report with Barclays Bank Delaware related to transaction with XXXX XXXX XXXX with the initial transaction date of XX/XX/XXXX for  {$39.00}. On XX/XX/XXXX I received a return phone call from Barclay Fraud department where the result of the call was agreed to have a 3-way conference call with the merchant the next business day ; I did not receive the follow-up call as agreed. On this call I was also advised that the merchant is to be notified of the new credit card number. Which authorizes them to continue charging me for services that I have terminated and continued fraud. On XX/XX/XXXX I received a notice dated XX/XX/XXXX that my fraud complaint was denied. 

I have attempted and completed as required by the agreement with the merchant XXXX XXXX XXXX. As well as all other possible means prior to the transaction date to terminate and cancel all services before the anniversary or renewal date. 

Attached to CFPB complaint is a copy of " XXXX XXXX XXXX '' agreement, e-mail notice of termination as required by agreement, and the Barclays denial notice from the initial fraud report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am a single mom who gets paid every other week y. It appears PNC bank is just charging my account {$7.00} a day for going into an overdraft on top of already charging me {$36.00} for the three payments they made and another {$21.00} for going into overdraft, the whole system does not make any sense to me. I was lured into their program by being promised a {$300.00} bonus depending on the amount of money I deposited within a certain time. I did meet the criteria but they never honored it. Turns out the representative at their bank did not give me my checking account information but a savings ( reserve ) account number where my direct deposit ended up going and I did not qualify for the promotion. They do not provide checks so I had to depend on their representative to give me the appropriate information for the company I work for. To appease me because I filed a complaint they gave me {$100.00}. In addition when I opened the account I only wanted a checking they ended up opening two other accounts for me. Apparently it was part of the virtual wallet account package. However, I do n't use those accounts. I have a savings account with a credit union. Within less than a week I was charged the following : XXXX XXXX {$7.00} for service + charges fees XXXX XXXX {$36.00} overdraft fees XXXX XXXX {$21.00} for service charges + overdraft fees XXXX XXXX {$7.00} for Service charges + overdraft fees XXXX XXXX {$36.00} over draft fees XXXX XXXX {$36.00} overdraft fees I have attached a copy of my statement as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Precise Financial Group, LLC
State: CO

Complaint narrative:
I had medical issues however I was not billed correctly I have been on Medicaid for over 3 years and now being constantly harassed over a debt that should be billed to my Medicaid. # XXXX under XXXX county department of human services. I was sent a letter in XXXX XXXX stating that this would be removed from my credit however her now in XXXX I 'm still being harassed by same company and now they are causing problems with where I work. Received a garnishment paper yesterday for XXXX I will state again I 'm on Medicaid and have been. There is no date showing original bill owed and I can prove I 'm on Medicaid will attach cards to this complaint. As a result of being harassed at work it can cost me my job nor can I pay for such a rediculous amount I 'm a collision tech who makes only enough to pay for my tools at work. I will be taking legal action for harassment on s debt I do n't owe

Company response to consumer: Closed with explanation