vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-01 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: HI

Complaint narrative:
XXXX XXXX, XXXX, and XXXX  credit reporting bureaus have utilized erroneous information from XXXX XXXX d.b.a. XXXX XXXX ( XXXX ) to lower my credit rating from Good to Poor over the past 30 days. 

XXXX inaccurately provided information to the credit reporting bureaus regarding alleged late payments for the months of XXXX and XX/XX/XXXX. The loan mortgage did not close until XX/XX/XXXX, XXXX notified me that their online system was not operating at this point to allow me to make payments. XXXX also indicated the delay would not effect me as a consumer and I would receive written notification from the company when the system was operating. I received correspondence from XXXX in XXXX XXXX indicating the system was functioning. Once again, XXXX indicated in its correspondence that consumers would be affected by the delayed operation. 

The first payment was submitted on XX/XX/XXXX in keeping with the XXXX system operation. I contacted XXXX in XX/XX/XXXX regarding a County tax exemption reducing my property taxes for the fiscal year. The XXXX representative alleged I was behind in my mortgage payments, and was unwilling to listen to the above information. 

XXXX, then, filed the delinquent payment information with the three consumer reporting agencies. XXXX has continued to apply my timely payments to the alleged late payment schedule, which it has erroneously and fraudulently reported. 

XXXX now has changed my payment schedule date to XX/XX/XXXX without notice to me, and has charged a late payment fee of {$89.00}. The late payment fee is negligent by XXXX, and the amount is legal injury to me. 

The three credit reporting agencies have been notified of the above, and have not taken appropriate action to re-establish my credit and FICO score to the existing level prior to XXXX 's negligent and erroneous reporting. 

XXXX XXXX, and XXXX are required to re-establish my credit report to the pre-existing level score immediately.

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 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX I got an e-mail telling me that my scores were XXXX and now when I try to get a credit score thru any morgage lender it says XXXX. Somehow there is a problem with Equifax, XXXX XXXX and XXXX no one can seem to get anything out of these three credit reporting services with my name, birthdate and ss numberas to what my scores should be

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
The nature of the wrong doing is that today, XXXX, is the THIRD time I walk up to a PNC ATM, make a deposit of {$280.00} or {$300.00} ; and the balance that I previously had is missing. PNC is STILL alleging it was removed for " bank fee ; '' But that is a complete LIE! Someone is STEALING my {$1.00} etc. Today it was XXXX dollars STOLEN, and they want to say " MONTHLY FEE. '' I opened my account XXXX of XXXX off of XXXX XXXX XXXX, XXXX XXXX, FL. I was informed there are NO Monthly fees if you deposit at least {$500.00}. If you deposit LESS than that amount, there is a {$5.00} monthly fees. Look at my attachments, do you see {$5.00}? NO! You see made up figures. From XXXX of XXXX through XXXX of XXXX, I never got a fee. Then out of a sudden, I was still making the correct amount of deposits, and PNC was billing me {$5.00}. I filed a complaint. Now I get billed bogus figures. All I know is that PNC NEEDS TO close ALL the other accounts with my name and STOP stealing from me! It's either {$5.00} or nothing. Please let me know why my {$2.00}, from today, was removed from my account between XXXX XXXX and XXXX XXXX   EST, vs first thing this morning when transaction fees were deducted from all the other PNC Customers? Fees do not get deducted in the middle of the day. I called myself today around XXXX XXXX, I had a {$2.00} balance ; Made a deposit of {$280.00} and the {$2.00} were missing ; Called it in, and they chose to label it, MONTHLY FEES. NONSENSE! It's a lie. Look at the ledger and have PNC pay me back for all the FALSE monthly fees. Thank You, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Contacted this agency to resolve a debt that i had with best buy, I had called in to get an acct number and an address to where to send the payment, she wanted to know my whole history as to why i did not pay, when i will pay? I told her i just needed the acct number and address to send payments to for now, and that the reason i called. She just continued to ask, how much are you going to send and why were you not able to pay, and I kept telling here, i only need the address and acct number, she finally got to giving me that info but rudely just blurted the acct number and address so fast, assuming I am a speed writer, to which i told her that i wanted to speak to her manager .XXXX the manger who i should say was trying to be professional but was on some power trip trying to prove him self right by saying his rep was ok in how her dimenour was in bluurting out the acct and address, further telling me that his agent assumed that i was a speed writer. These agency 's really need to be held to a high standard, in life tings happen, people lose jobs etc and agency 's like this really look down on people, is my perspective. XXXX did say he was going to get with their compliance team within the organization but we all know where that is going ..

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 2018-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : XXXX XXXX XXXX # XXXX, According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. 
If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. 
According to the provisions of 612 [ 15 USC 1681j ],  there should be no charge for this report. 
If you have any questions or need additional information, please contact me at address noted below.

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 2018-11-01 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Beginning in XXXX, XX/XX/2018I requested evidence that this was my debt which is showing on my credit report from XXXX XXXX ( see attach letter. ) I never received any proof that this debt belongs to me ( like signed loan agreement or pay history ) but they continue to report to my credit report which is a violation of the Fair Credit Reporting Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.

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 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
On XX/XX/2018 XXXX XXXX representing Carrington Mortgage Services LLC placed an unauthorized hard credit inquiry via XXXX when attempting to sell me one of their products. During the phone conversation she made a request to check the last 12 months payment history with XXXX XXXX XXXX as they recently had purchased my FHA loan from XXXX XXXX XXXX. She guaranteed that this was to check the history from XXXX XXXX XXXX and not a credit inquiry. 

Immediately after she had run my unauthorized credit pull, I received notification from my credit monitoring software and I contacted her via email ( attached ). I was told that she did not believe that it was a hard inquiry. I proceeded to pull my XXXX, XXXX, and XXXX reports displaying the unauthorized hard inquiry on XX/XX/2018. I made the request to have the unauthorized credit inquiry removed from my credit report. XXXX responded that she could not and that I may dispute this with my credit bureaus and stopped communication. I proceeded to contact her listed manager XXXX XXXX, receiving no reply as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir or Madame : I was swindled out of {$6000.00} by cashing XXXX Money Orders at Chase Bank in XXXX XXXX. I was " selected '' to be a secret shopper from a XXXX XXXX. 

I was under the impression that the money was good after the bank said it would take a couple of days to clear, which I thought it had. I had cashed one for {$1000.00} a week prior and the bank hadn't reported any issue on that one. 

I received another mailing with 5 Money Orders for {$1000.00} each. Suspicious, I took them to the FBI Headquarters in located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/18 to see if there were any reports on any Money Order scams. I met with a XXXX XXXX XXXX who said there were no reports and the Money Orders looked real. With that, I went and deposited them at a Chase branch on my way home. 

I was under the impression Money Orders had the funds and waited a bit while I thought the teller was checking on each one. I was told it would take a couple of days to have them clear, which it did and moved the funds over to my main XXXX XXXX account online. 

I was to receive a {$200.00} commission for shopping for XXXX XXXXXXXX gift cards at various stores and report back on customer service and take pictures of the serial numbers on each card and text them back to my contact " XXXX XXXX ''. I had explained all this to XXXX XXXX and forwarded him the text messages. He later left me a voice message saying he spoke with colleagues and said it might be a money laundering scheme, but after I had cashed the Money Orders. 

Last week I received notices that all the Money Orders were counterfeit and besides owing them the {$6000.00} cash, I also owe them {$72.00} ( {$12.00} each ) in returned funds fees. I also owe the credit cards I used to purchase the gift cards thinking I was going to use the cash to pay them back. 

I have filed reports to the XXXX XXXX of XXXX XXXX and one Online to the FBI as instructed by XXXX XXXX. 

I don't want this to happen to anyone else and am trying to get my money back from XXXX on {$800.00} of gift cards I didn't send over to the scammers, but all the stores said sales were final. I also received a notice from Chase that I need to repay them within 10 days. 

I don't feel I was represented correctly by Chase and wish to know what my recourse is. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: SC

Complaint narrative:
Equifax XXXX  and XXXX XXXX XXXX sent this letter with all the other letters that Ive submitted on this portal. Still XXXXXXXX XXXX   afforded NO CONTRACTS BEARING MY SIGNATURE obligating me to pay the debts they are reporting. Still has not placed notice of DISPUTE on my Equifax and XXXX and XXXX  file within 30 days violations of the FCRA. The Attached Documents are LEAVING THE DECISION UP TO YOUR BUSINESS to do the right thing and remove this inaccurate and unverified information from my CR. Thank you for your considering my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Collection Service Inc (GA)
State: GA

Complaint narrative:
This problem with this company has been going on for quite a while with professional collection company in XXXX, Ga. i was forced to sign an agreement with the previous company XXXX XXXX. I was told back in XX/XX/2012 i could have my wages garnished or if i dont pay itll hurt my credit. The company tried to accuse me of breaking stuff in the apartment that they knew was already broken and things i took pictures of. The company wouldnt come fix the door locks until after i called several times and i stayed by myself. The duplex flooded from the dishwater not turning off and the heater in the duplex smelled as if it was burning when i turned it on and someone tried to break in through the back door that needed fixing. XXXX XXXX agreed that they would lower the balance after i told them how i was treated and my horrible experience. XXXX XXXX XXXX said they wont change the balance from {$1300.00} to {$1000.00} until i pay for it. They have NOT SENT/provided any documentation about the debt being mine. The debt is not mine considering the horrible service they put me through and the fact i was told that i could leave the duplex after giving ample time to fix problems. I dont owe professional collection due to the fact the debt was sold, its false and they havent provided documentation after Ive filed SEVERAL disputes. This is preventing my daughter and i from moving. We will be homeless if this is not removed. Not to mention Ive contacted this company over the last 4 1/2 Years trying to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/2018 I got an e-mail telling me that my scores were XXXX and now when I try to get a credit score thru any morgage lender it says XXXX. Somehow there is a problem with XXXX, Trans Union and XXXX no one can seem to get anything out of these three credit reporting services with my name, birthdate and ss numberas to what my scores should be

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 2018-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a car from XXXX XXXX in XXXX. I was initially told I was purchasing a XXXX and signed a retail installment contract to cover the XXXX XXXX  GAP insurance and financed car note. After signing the initial contract, I noticed the car I purchased was a XXXX. I went back to the dealership and they drew up another contract, but this time it was electronic. I was also told that I would be able to register the car in California even though I purchased it in Ga. After 6mo of going back and forth with the dealership and not be able to operate my vehicle due to it not being registered. I made a complaint to XXXX. The lender who financed my car was still accepting the payments even though my car was not registered. The dealership would not give me a dealer plate to operate the vehicle. After the complaint, I received an email stating to not take my car to XXXX from someone in their corporate office. I already had GAP protection and an additional vehicle protection plan that covers me for XXXX miles. I had to take my car to XXXX XXXX XXXX in XXXX because I was told each XXXX is an independent dealer and I could not get serviced there, so I had to pay out of pocket for warranty services that should have been provided. In addition, I began to have safety issues with the parking break disengaging while in park. One incident led to the car rolling out of it's parking space after I engaged the parking break, locked the door, and left the car alone. This continued to happen several times. I consulted with a XXXX lawyer and requested the car to be repaired. XXXX made me an offer saying they would give me cash and extended warranty and also told me to take the car back to the dealership that changed it's name from XXXX for an exchange or repurchase of the car. On my final demand for repair, I contacted my car loan lender to let them know and was told the car had been charged off, but not in repossession. XXXX and the dealership has caused this charge off because they did not follow through with their offers to cover the issues that are under warranty according to thev4th and final repair under XXXX law. In addition the car was kept for repair over 30 days and nothing was repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: KS

Complaint narrative:
At approximately XXXX p.m. XXXX on XXXX XX/XX/2018 I received a telephone number while I was attending XXXX   classes ( my full-time job ). The number that showed up on my caller identification was from ( XXXX ) XXXX and was listed as a " telemarketer. '' The female caller asked if I was " XXXX '' and was she speaking to him. I said " yes. '' The female caller ( whom I later identified as XXXX XXXX representing I.C. Systems ) began to tell me that I owed a debt of {$90.00} plus dollars for XXXX XXXX. After I told XXXX XXXX about the 'fact ' that I don't owe this debt and 'vehemently ' deny it being my debt ; XXXX XXXX began to engage with me in a very closed-off manner accusing me of cutting her off from speaking and telling me that she and her company aren't making money from this transaction. XXXX XXXX falsely represented the money she claims is owed to her and I.C. Systems. 

Earlier in 2018 I switched cable providers and informed XXXX XXXX as such. During a series of phone calls between XXXX and myself it was told to me that I no longer owed any monies and my account was " paid in full. '' I moved on. However, I then get contacted by XXXX XXXX who is purportedly representing I.C. Systems ( which when asked for the address of her company I was denied that address ) telling me I owed more money than XXXX claims which is zero! I reminded her that I felt she and her company were just trying to make money and that they had bought ( what she described as a contract ) this wrongful debt and was attempting to take money from me. I also told XXXX XXXX to never contact me again ( as this is a work number and I was in school and it disrupted a discussion I was involved with ). XXXX XXXX did falsely say that the telephone ( XXXX XXXX XXXX was the only number she and I.C. systems had. If that is so, why was the phone number she was calling from state otherwise as listed earlier? The fact is XXXX XXXX ( if that is even a real person ) and I.C. Systems are involved in a racket to manipulate innocent victims into giving them money which is criminal and thus should be punished as such.

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 2018-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Around XX/XX/2018 I contacted my mortgage company to see if they were having refinancing specials such as paying for the appraisals and they said yes. So I applied to refinance on my home. They asked me what I thought the value was and I told them what last years ' value was based on a previous refinance which was {$160000.00}. I was approved to refinance and after submitting all my paperwork I was told a few of weeks later that an appraiser needed to come out and that I had to pay {$510.00} for it. I questioned the part about having to pay because initially I was told that I wouldn't have to so after consulting with their people, they said that I would get it back in closing. I asked if they could use the appraisal from last year since it was with the same mortgage company and they said no. Well the appraisal came back less than the previous years ' report. It was appraised at {$120000.00} and they denied me the refinance. I don't understand why my approval was based on last years and if that was the determining factor why didn't they do that first. I owe {$100000.00} on my home and couldn't understand why they wouldn't just refinance it with that amount. I felt discrimination from the appraisers when they came out and that they wouldn't give me a fair report. The home across the road from mine is listed to sell for {$490000.00} and the homes are valued much higher than that. I disputed that appraisal because the report wasn't accurate and the listing on XXXX doesn't give the accurate report of my home. The sq ft that's listed on XXXX is 1495 when actually it's 3400 sq ft. My dispute was denied and if I wanted to proceed with the loan application I would have to bring {$10000.00} to closing which I didn't understand. So the loan was denied and I'm out of {$510.00} and another inquiry on my credit report for the next 2 years. Which caused my score to drop. I still would like to refinance my home to take care of the financial needs that I have. I'm not sure what to do at this point and need help to at least get a refund.

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