vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX/LOWES I have written letters and called multiple times to have a closed account from being reported to the credit agencies as agreed by the creditors when the debt was paid. 

They continue to report the account as a charge off.

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 2018-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates has been reporting unverified and inaccurate information to the 3 major credit bureaus under my social security # illegally. They have failed to respond to multiple letters I have sent certified on XX/XX/2018 and XX/XX/2018, and they have failed to answer any request ( s ) of verification to verify their false claims. They have caused MAJOR damage to my credit file and I am currently considering small claims actions against them. This company has commited MULTIPLE violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws yet for some reason feels that it is above the law in its efforts to collect a debt that they are unable to provide any proof belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
On XX/XX/2018, I filed a complaint regarding the unprofessional conduct at Midwest Service Bureau with the Consumer Financial Protection Bureau. While completing the complaint I inadvertently activated the auto-fill feature on the family computer which auto-populated the address and changed the name from XXXX XXXX to XXXX XXXX XXXX. 

In the initial complaint number XXXX that I filed a complaint against Midwest Service Bureau due to their unethical conduct. Specifically, the clear conflict of interests in accepting accounts that Midwest Service Bureau engages in and the coercive positions it places consumers in.

In my initial complaint, I made a reasonable request that Midwest Service Bureau close the account due to the conflict of interest. Their response was nothing more than defamatory and libelous statements provided to the consumer financial protection bureau without providing any response to the request to close the account or an answer to the dispute. 

Additionally, not only do the statements about my son not only have nothing to do with the heart of the complaint the statements are both unconscionable and highly irregular. As such, the statements provided to Midwest Service Bureaus response both make a mockery of complaint process with the consumer financial protection bureau as well as show a clear need for federal and state oversight. 

Finally, it would appear that I do not have the same rights as any other consumer when it comes to filing a complaint with the appropriate regulatory agency. I say this because I filed a complaint against Midwest Service Bureau and instead of addressing the actual allegations Midwest Service Bureau instead engaged in frivolous assaults on my son. Does this mean that I can not make a complaint regarding unethical behavior without having to fear retribution against me or my family?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XX/XX/XXXX i purchased a XXXX XXXX  from Santander Consumer USA. In XX/XX/XXXX it was stolen and totaled out insurance has paid off the balance but, their claiming i still owe {$10000.00}. its reporting to the credit bureaus monthly and making a huge impact on my credit. I need for this to be removed asap. I've called Santander several times but, no resolution has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
There are several accounts reporting through this company which are unknown, I have no records of and never have been contacted. Please assist Commonwealth Fin {$910.00} Commonwealth Fin {$920.00} Commonwealth Fin {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX - Mailed certified Letter to Equifax XX/XX/XXXX- Letter received by Equifax . See attached. 
USPS Tracking number XXXX XX/XX/XXXX- My file was closed with no investigation into one of the items that I had sent in to them. See attached. 
XX/XX/XXXX approx. I called in to find out why they did not look at the item in question- XXXX XXXX XXXX Acct. The rep didn't have a solution and told me sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

TransUnion XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX   XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX  XXXX  XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX  XXXX- Inquiry from XX/XX/2018 XXXX  XXXX  XXXX  XXXX-Inquiry from XX/XX/2018 XX/XX/2018

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 2018-12-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX   XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 Equifax XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX  XXXX XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX XXXX XXXX- Inquiry from XX/XX/2018XXXX  XXXX  XXXX XXXX-Inquiry from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: MA

Complaint narrative:
I have been disputing accounts on my consumer credit reports every thirty days since XX/XX/2018. I have requested verification and each time they respond verified ; I have requested method of verification and each time they respond with verified ; I contacted each account, and each business has responded by stating their records do not indicate any dispute and/or investigation from any credit bureau has ever taken place ; ignoring and/or overlooking each of my requests and unable and/or unwilling to comply with consumer rights and Federal Law.

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 2018-12-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I ' am victim of identity theft and I've send according documentation to the bureaus I've sent an identity theft report for the XXXX-XXXX  account # XXXX date opened XX/XX/XXXX. Their are numerous inaccurate information reporting under my name including a wrong social number. I started the dispute with Equifax XX/XX/XXXX and the dispute took more the 30 days. I didn't get a response from neither the company or Equifax. I called Equifax on XX/XX/XXXX to get the result of the dispute the representative said the dispute took more the 30 days and the creditor didn't respond at all so the account got removed, but he also notified me that the creditor is going to report this in the up coming year. I got in touch with a supervisor I told him that under a federal law the creditor has up to 30 days to investigate, 30 days statutes is reasonable time for re-verification of these entries unless you immediately notify me otherwise. It should be understood that the failure to re-verify these items within 30 days constitutes reason to promptly drop the information from my file according to section 168li ( a ). Equifax Should not allow to re-report this fraudulent account, but Equifax is not doing anything about this.They are damaging my credit, is illegal it is up to {$1000.00} per occurrence.

Also pursuant to 15USC section 168li ( d ) of the Fair Credit Reporting Act, they need to notify me when these items have been deleted. I wasn't notified by Equifax nor the creditor for any kind of a result. According to the provisions of 15 USC section168lj, there should be no charge for this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: PA

Complaint narrative:
I have a listing on my credit report from XXXX  XXXX  stating I owe them XXXX since XX/XX/2018. I have absolutely no knowledge of this company or any loan of that amount. They are reporting derogatory account to the credit companies every 5-7 days negatively impacting my score. I attempted to contact the company requesting verification of debt and never received any information from them. I then disputed this charge multiple times with XXXX XXXX and experian and I was not provided any information about this debt. My latest dispute was on XX/XX/2018 and it came back as resolved and updated but I see no change or new information provided.

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 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received a check from my job on XX/XX/XXXX, and the teller refused to cash it. She said it was from XXXX  XXXX XXXX and she could not cash it. She said if I took it to XXXX XXXX XXXX which is directly next door to Citizens Bank I could cash it for free. I was charged {$8.00} fee because I do not have an account with XXXX  XXXX XXXX. The teller at Citizens could have cashed my check, I have direct deposit with my work checks every 2 weeks. This is another example of how the tellers at this bank go out of their way to cause me fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
The information on this account is wrong and should be removed.

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 2018-12-27 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 — Was not notified of investigation status or results
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I sent certified letters to all three credit bureaus requesting an investigation and deletion of the cash net USA from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
hi, on XX/XX/18 i have transfered out funds from chase through XXXX my account showed the funds are availible with no pending ACH, every day if there is an ACH debit at chase its shows the transection in pending and the amount is updated in the availiable balance, on the XXXX all of the sudden i was charged a {$34.00} for INSUFFICIENT FUNDS FEE FOR A {$25.00} ITEM - DETAILS : XXXX XXXX with the date of the XXXX so they did one of the 2 either they made a change the way they display an ACH without prior notice, or its an error on their system, but in any case its happened because of them and they shouldnt hold me resposible for that and charge me. 

they agree on what im saying they just keep saying that im not aligible for a refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable. Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.

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 2018-12-27 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: AES/PHEAA
State: OH

Complaint narrative:
Both American Education Services and XXXX are reporting student loans as being past due on my credit report and they have remained inactive for over 7 years. The state of Ohio prohibits reporting on credit report on debt that is over 6 years of age ... These accounts are in a defaulted status. It has prevented me from buying a house and has caused serious financial stress and issues ... When I asked how they can still be reporting this very old debt their answer was to report them to the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The Mortgage servicer assigned to my account refuses to on board me. They claim to not know who I am. They also claim to not be able to take a payment from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX has been reporting unverified and inaccurate information to the 3 major credit bureaus under my social security # illegally. They have failed to respond to multiple letters I have sent certified on XX/XX/2018 and XX/XX/2018, and they have failed to answer any request ( s ) of verification to verify their false claims. They have caused MAJOR damage to my credit file and I am currently considering small claims actions against them. This company has commited MULTIPLE violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws yet for some reason feels that it is above the law in its efforts to collect a debt that they are unable to provide any proof belongs to me.

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 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had fraudulent charges made on my debit card. It is a joint account from Chase that I have with my husband who I am separated with. I had not yet closed the account and he had his card information stolen. The card had several fraudulent transactions made adding up to {$1000.00}. The charges were made between XX/XX/XXXX and XX/XX/2018. When I realized the transactions were not from him I went to the bank and had his card canceled. The bank made a dispute and I was refunded for the transactions on XX/XX/XXXX. Then on XX/XX/XXXX I was shocked to see that they denied the claim and charged me again for all XXXX transactions. I tried calling to figure out what happened and they said I had not reported it soon enough and there was nothing I could do to get my money back. Then I went into the bank and talked to a banker who gave me a number to escalate the claim. I went through this process and in the end they wanted to call him and ask him some questions. That never happened. Then I went into another Chase and stayed there while a banker tried to help my figure out what happened. I said clearly it is fraud. All of these transactions were made in XXXX XXXX and the actual card is with him in Texas where he is making transactions on the exact same days. How can he be in two places at once. They said he would need proof of him being in Texas those days and that the transactions made were not enough proof. So we sent in his school enrollment. They said that was not sufficient proof of where he was and that they would need a time stamp in order to reopen the case. His school does not have time stamps and he is not working there. They also said a cell phone bill with locations of his whereabouts would not be sufficient proof. I am sick of getting the run around and just want to get my own money back as Chase bank states they refund under fraud protection. I have been trying to close this bank account with my soon to be ex husband but I cant close it until this case has rightfully been refunded. 
I am making this complaint by myself because it was my personal money that was stolen out of the account and even though the fraud was from my ex husbands debit card, he is not helpful in helping it get refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
Subject account was denied for a modification by XXXX XXXX. 
When initially applying, XXXX was denied and a letter was sent on XX/XX/2018 from XXXX stating that qualifying income would be {$2500.00} per month. 
We reviewed her income and saw that the initial application did not properly express what income she made and we promptly resubmitted ( on XX/XX/2018 ) with correct income - {$3300.00} monthly. 
We received another letter shortly after ( on XX/XX/2018 ) saying that she was denied, but did not say specifically why. I called XXXX today and they said that the investor denied her due to insufficient income. 
I do not feel the second application was properly reviewed. 
No one at XXXX has been able to further explain why she was denied, even though she is qualified and eligible for a modification.

Company response to consumer: Closed with explanation