vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I reviewed the statement on a credit card. I've had a credit card through Citi for 10 years, since I was XXXX years old. Today, I noticed a charge for payment safeguard program. I don't recall signing up for this program. I did some research and found that the CFPB settled with Citi regarding its deceptive practices of signing customers up through the payment safegaurd program. I contacted a representative through Citi 's mobile app chat system, and requested to cancel Citi 's Payment Safeguard Program. I was told to call Citi 's 24/7 hotline to cancel, and that my request was not able to be done online. I called the number the online representative gave me. I was transferred twice before I got a hold of the representative who purportedly was to handle my request to cancel. However, the person told me that I am not able to cancel through the 24/7 hotline as I was previously told, and that Citi only allows people to cancel during business hours on Monday-Friday. I informed the representative my concern of being shuffled around to cancel a service through Citi I did not want. I believe Citi is continuing its deceptive practices and intentionally created a system where consumers face obstacles to cancel its add-on services.

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 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MN

Complaint narrative:
this company is reporting a debt on my credit report that i have disputed with them and the 3 credit reporting agencies. it has been over 7 years and im still disputing this with the company and collection agency. 

i am requesting that this company provide me information of this debt, information to validate that i owe this debt, contracts and signatures of this debt. if this company can not provide valid documents stating i owe this debt i am requesting that they remove it off my credit report and to also stop contacting me about it. 

this company is stating i owe {$3500.00} from one debt and {$1000.00} from another 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 2020-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Father XXXX passed away Left me the home My father had a wrongful modification I am now trying to get it straightened out I've been approved with the court and signed assumption documents Its up to PHH to help me with a correct loan mod

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Trying to use XXXX  to invest once baks accounts but they blocked it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
Covergent Outsourcing, Inc XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WA XXXX Claiming false late payments In XXXX, XXXX & XXXX in which I did not have a written contract with my signature with your company nor XXXX. 
Did not report to all three credit bureaus. Account was closed in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This Company Portfolio Recovery A Trying to collect a debit that was on my ex boyfriend account and he open a case with this company and they deleted from his account. Now they threat me over the phone that if I don't pay I will be arrested over the phone they told me do not hung up stay on phone till Sheriff Dept. arrive or pay now by credit card.That debit on is not legal.I will upload the prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I sold my house in XXXX XXXX, CA. It had been in pre-foreclosure because I had fallen behind on my payments. However, it never got to foreclosure status. The house was a regular sale from which proceeds were received. I have the deed of sale indicating such, where my name - not a banks name - is on the signature line. The issue is that this was recorded to the credit bureaus as a foreclosure which has damaged my credit and impeded my ability to purchase a home. At some point between the time of sale and now, the financial institution with whom I had had my mortgage, XXXX XXXX XXXX, was acquired by XXXX XXXX XXXX ( d/b/a XXXX XXXX ). On XX/XX/XXXX, I contacted XXXX XXXX via recorded telephone conversation advising of this error. I was told that within 6 weeks I would get a response. On XX/XX/XXXX, I received a response from XXXX XXXX in which they state they conducted an investigation and determined that the account was paid in full and that there were no errors found in my credit history and therefore a credit correction was not necessary. This was not the nature of my inquiry. No one is disputing that the account was paid in full, as that is public record. Im disputing the fact that it was recorded as a foreclosure and is flagged as such by the bureaus on my credit report. I made two subsequent phone calls to XXXX XXXX in attempt to further clarify my position. I was told that theres nothing they could do because XXXX XXXX XXXX is defunct, and they recorded the account as closed, paid in full. Since XXXX XXXX XXXX  acquired XXXX XXXX XXXX, they also acquired the burden of correction in addressing issues such as this, which have a direct negative impact on the consumer. Im not sure if its laziness or incompetence but I have a feeling its equal parts. I need my credit report to reflect the sale of my home correctly, and not as a foreclosure. I would also like to be advised of my litigation options, as at this point I believe there are damages to recoup.

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 2020-04-26 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Credit disputes, I requested to have an accountdisputed throughmy XXXX  credit monitoring systemin regards to a Chapter XXXX discharge regarding my account. When AAFES responded to the dispute they automatically re-reported the same chapter XXXX discharge closedwith a new report date of XX/XX/XXXX when my Chapter XXXX was discharged and closed on XX/XX/XXXX resulting in my credit score dropping from XXXX on XXXX, XXXX to XXXX on XX/XX/XXXX the day they falsely reported the account again to the bureau. I haven't opened any new accounts, haven't ran up any charges to my credit cards, haven't bought any high end items so my report should take such a huge hit like this. The only reason my credit rating dropped vastly was because your double reporting and my account reflecting that it was closed on the XXXX of XX/XX/XXXX instead of the original court mandated date of XX/XX/XXXX. After my chapter XXXX discharge AAFES were only supposed to report once to the credit bureau. I respectfullyrequest AAFES update my credit report to update this issue and add the XXXX points back to my FICO score. I'm currently in the process of purchasinga home and AAFES has completed halted the process due to their negligentactions in falsely reporting the credit bureaus. I'm a XXXX percent XXXX XXXX Veteran and this has caused great damage to my future planningsofsecuring a XXXX  friendly home. I have attached my credit report reflecting such change. Thank you in advance for your support. 

V/r, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
TFC bank closed my bank account without any written or verbal communication. The woukd briefly give me a quick reason why they did and they did give me the remaining portion that was in my account but they closed it no warning. Now i have a new account made by the same bank that I have no idea about. I didnt open the account I dont know the account number or who could even do this. I don't know who to turn to to get some help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: LEXISNEXIS
State: MI

Complaint narrative:
On XX/XX/2020, My public record " Bankruptcy '' will expire.The 10 year mark is over with.The actual date date i filed is XXXX.That date is on record.Therefore, this public record should not be on my credit reports at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: NJ

Complaint narrative:
I paid off my derogatory accounts and when I disputed them to have them remove from my account they werent and I was told that I still had the debt which was paid. 
I also downloaded the paid receipts from those companies that were paid off and got a letter back saying my information was not true

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 2020-04-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This complaint involves XXXX  ; Experian and XXXX  credit bureaus. I recently have filed several complaints against each of the referenced credit reporting bureaus. 
Each of the agencies is dismissive and claim they will not conduct subsequent investigations even though they have not conducted a reasonable investigation from the start. In each of the cases in which I have alleged fraudulent activity on credit cards, I provided both local and federal law enforcement reports, provided a federal report of a privacy and data breach, and finally that my information was being farmed on the dark web. Each of the credit bureaus, XXXX and XXXX XXXX XXXX XXXX have failed in their duty to me and to others. If CFPB fails as well, there will be no doubt the financial, credit and regulatory organizations are in one accord to defraud the nation.

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 2020-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I approached Quicken Loans to take advantage of their refinance offer but at the end, Quicken could not offer a better interest rate than my current one ( 4.625 % ) and wanted to charge {$6000.00} in closing costs. Why would anyone trade their current mortgage for another with the same terms in exchange for a hefty fee? The Quicken Loan rep insisted that this was a good deal, which it isnt, and I feel Quicken Loans is trying to take advantage of me because Im a senior citizen. They made false promises of a lower rate that simply could not deliver, and are marketing these refinance loans to cash in on the closing costs without offering anything or value in return. Its a scam on the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Applied for Paycheck Protection Program loan with XXXX and PNC would not allow link to my account for deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: MI

Complaint narrative:
On XX/XX/XXXX, My public record " Bankruptcy '' will expire.The 10 year mark is over with.The actual date date i filed is XX/XX/XXXX.That date is on record.Therefore, this public record should not be on my credit reports at all

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 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, My public record " Bankruptcy '' will expire.The 10 year mark is over with.The actual date date i filed is XX/XX/XXXXThat date is on record.Therefore, this public record should not be on my credit reports at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
as of XX/XX/2020, My public record " Bankruptcy '' is over with.Should not be on my record at all

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 2020-04-26 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: Innovis
State: MI

Complaint narrative:
as of XX/XX/2020, My public record " Bankruptcy '' is over with.Should not be on my record at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: ID Analytics, Inc.
State: MI

Complaint narrative:
as of XX/XX/2020, My public record " Bankruptcy '' is over with.Should not be on my record at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I attempted to open an account at a branch and was denied due to a " charged off account '' -- - I never did any business with SunTrust however am a victim of identity theft

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 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Associated Credit Services, Inc.
State: NJ

Complaint narrative:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT This Company ACS, Trying to collect a debit with a XXXX amount of {$4100.00} it look like a gas debit under my name. I do live completely different from the address that they report they have no evidence or prove of any bills not paid and from how long, they said is a residential. But there is no residential bill that is on that amount, they call me and they threat that if I don't pay I will be arrested, they call back again and one operator it said that they will send a Sheriff Dept. at home, i get lot of stress I do not sleep on night the costumer service is so aggressive and bad

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: Asset Recovery Solutions, LLC
State: TN

Complaint narrative:
I have constantly disputed a {$17000.00} dollar debt that different companies keep selling under different names and placing on my credit. The company 's name it goes under now is Asset Recovery Solutions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. They purchased this account from XXXX  XXXX XXXX XXXX, who has also sold it to several.different companies. XXXX  reports it and damages my credit. The last company that placed this on my credit was asked to show a signed contract in which they couldn't because i never signed one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: FL

Complaint narrative:
To Whom It May Concern : In XXXX of XXXX  I booked a hotel in XXXX, XXXX  from XXXX through XXXX on XXXX using Barclays Credit Card. The card was charged for {$1100.00} on XXXX. 

On XXXX I was informed by XXXX XXXX that flights to/from XXXX   are being canceled and received a full refund. The same day, I contacted XXXX and explained that I could not travel due to Coronavirus travel restrictions, but was refused a refund because the booking was non-refundable. The same day I filed a dispute with Barclays MasterCard. I received a letter dated XXXX stating that refund denied for the same reason. After that I called several times Barclays MasterCard customer service number and requested to speak to a manger. Every time I was told that the manager is not available and my call will be returned within one day. Nobody called me back. 

If this matter is not resolved promptly, I will be forced to file a complaint with Florida AG Consumer Protection Division and XXXX   XXXX  XXXX, as well as post reviews about this transaction on multiple sites. 

Please assist me in receiving the refund in the amount of {$1100.00}. 


Thank you in advance for your cooperation,

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 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am trying to link my bank account with XXXX and XXXX on XX/XX/20. Both use XXXX   and I have spoken with a PNC rep but they explained why they wont allow XXXX to link to my bank account. And suggested I reach out the the companies to have it linked because they said all they need is my number on file to alert me of suspicious activity. I spoke with both XXXX  and XXXX  and they said they cant do anything unless PNC gives me permission. Obviously PNC wont allow me to link my account. I just wish I had more autonomy over MY information.

Company response to consumer: Closed with explanation