vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-18 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: MO

Complaint narrative:
On XX/XX/18 I disputed outdated info from XXXX on my credit report. Nothing ever happened. Experian refused to dispute the outdated info and continues to show it to this day. Experian never mailed me a letter stating my dispute was frivolous. Every time I call I can never speak to a human, I am automatically transferred to a robot, Experian is screening my number and transferring me to a robot that keeps me on hold forever. Experian told me XXXX pays them and I don't so they are going to display whatever XXXX sends them. I have no power in the matter even though the information is outdated and incorrect.

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 2018-08-18 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My 16 year-old son lost his Bank of America debit card and pin number which was his first ever card and banking experience, which was recovered by unknown people who illegally used it. Over the course of about 15 days from XX/XX/XXXX18 the thieves used the card to make several purchases and deposits to decieve the bank and to the result of a negative ( - {$2800.00} ) charge in the account of which I am the parent. B of A then took money I had in a different checking account to cover the negative balance. I need this money returned to pay my immediate bills which are now late. 
Bank of America has of this date refused to take responsibilty for recognizing this fraud, which is all the more alarming! I am willing to testify and prosecute should a suspect be identified. I have also filed a police report in XXXX county onXX/XX/XXXX18 but the case is very slow moving to say the least. B of America knew my son was inexperienced in banking. B of A also was familaiar with this particular scam that was perpetratrated on us. I was shocked they effectively gave this " debit '' card not only " credit '' but also let it go hugely negative only to zap the money to cover it from me just as I attempted to pay my rent causing cascading financial problems for me. They also blamed me and my son, were very dismissive in my efforts to investigate, sometimes downright rude, and could help by checking their ATM video tapes to identify suspects, but have immediately closed off further investigation even after I asked them to reopen the " supposed '' investigation.

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 2018-08-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NY

Complaint narrative:
Hi on XX/XX/XXXX I made an XXXX orXXXX filler purchase and then after I was lied to by the cashier I then had to pay out of my pocket cash I'm mortified that I continue to be lied to for no reason complaint number XXXX person who took my complaint if number I believe XXXX If they reverse the numbers that's what they do but I wouldn't waste time lieing.. 
My card ends with XXXX This is a XXXX XXXX XXXX from social security the bank there with is commerica

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I filed the complaint about Huntington Bank ( XXXX bank ) in XXXX PA at XXXX XXXX XXXX about then STEALING my CD my be reference under XXXX XXXX Well about the same time I got a bill for my safe deposit box. After the thief of money I vow never to go in that bank again. 
To start with I used the bank at XXXX XXXX XXXX and they did not even have a safe. You had to go several miles to get to theirs ( XXXX and XXXX I refuse to do any business with that bank. Well I got a nasty letter since I would not pay for the box they were going to drill it ... 
Well the proper why to done it is to send any and everything in the box to me in my name or my brothers. they had the address etc. I had the deed to the house plus title to the car plus a ring plus my brother FCC license plus other smaller items. 
If they could not find us ( we only lived in this house for 70 years ( my family ) per PA laws they are to turn all I repeat ALL items removed from a Safe Deposit Box over to the PA Treasury. who has the unclaim property section. 
Well I followed that site checking several times and nothing was ever turn over to them. They keep items active on the computer for 10 years, and inactive after that ... 
Clearly this bank had no right to just toss my personal effects. 
I want money for this. 
THIS BANK IS KNOWN AS THE WORST ONE IN THE CITY. I HAVE ONLY HEARD COMPLAINTS AGAINST THEM. 
YOU NEVER SEE ANY CUSTROMERS IN THEIR PARKING LOTS XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: FL

Complaint narrative:
Submitted a " dispute request '' concerning XXXX XXXX XXXX, XXXX. Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations ( 5 yrs ). 3 ) Requested collection agency/creditor removal for incorrect information. On XX/XX/2018 received email update concerning dispute result. XXXX XXXX XXXX XXXX remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: PA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX, on behalf of JH Portfolio Debt Equities LLC requesting payment on a credit card debt. I called the company on the letter, requesting all documentation including default date, last payment date and any other activity on the account. They would not provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This card was open in XXXX I never applied for this card I never stayed @ the address where the card was sent when I talk to the collection company they said the person was paying with a money order so that mean that's not my handwriting and I can prove my signature and I bought a house in XX/XX/2016 so why would I have a credit card mail to a different address

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 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me 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 2018-08-18 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: CA

Complaint narrative:
Account not in collection since 2013, information is wrong and should be deleted. Account paid off. I have already submitted proof ( a receipt ) that the account was paid off however, it still shows in collection ststus.

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 2018-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX has wrongly charged my mortgage PMI after I had it removed as of in XXXX of XXXX  with my previous lender ( XXXX XXXX XXXX ). My mortgage was transferred to XXXX XXXX on XX/XX/2018 where they continued to charge my PMI. After calling XXXX XXXX they stated they will review the matter in XX/XX/2018. After repeated calls and attempts to follow up with the removal of PMI and refund of money, XXXX XXXX stated will only refund me 2 months of PMI until XX/XX/2018 and not XXXX or XXXX. In addition XXXX XXXX has overdraft my account by charging me for 2 months of mortgage on XX/XX/2018 for months of XXXX and XX/XX/2018. Then, XXXX XXXX charged me again for XX/XX/2018 Mortgage. In the 5 months I have been with XXXX XXXX they have charged me for 7 months mortgage. XXXX XXXX has serviced me a letter stating they have done no wrong doing and will establish a late charge fee that I have previously removed because my automated bill pay was not established correctly by XXXX XXXX within the 60 day allotment of time for loan transfer payments to be set up. In this letter XXXX XXXX states, " our records show on XX/XX/2018, an online ACH payment was scheduled in the amount of XXXX for your XX/XX/2018, installment with an additional amount of XXXX to be applied to your XX/XX/2018 installment. On XX/XX/2018 both payments in the amount of XXXX were drafted from your bank account. '' Then further down the letter they also stated, " your first recurring ACH payment in the amount of XXXX was drafted from your account on XX/XX/2018 and was applied to your monthly principal, interest and escrow payment for XX/XX/2018. '' In their own letter, XXXX XXXX contradicts themselves and still upholds no fault was done by them. After repeated attempts to resolve the matter XXXX XXXX has failed to follow up with me, resolve the matter and deny any wrong doing on their end, nor have refunded me the appropriate amount of money for their mistake of PMI removal, have not removed a late payment from my record and lastly took more than 30 days to complete my inquire about the issues with my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: NY

Complaint narrative:
I agreed and did pay {$180.00} Monthly to a company named Ameritech Financial who told me they dealt directly with who held my student loan at the time. Over a period of time my loan was bought and sold a few times and I had a hard time keeping track of the company who had it, the balance and other things. I noticed every time my loan was moved Ameritech would contact me an RE-establish a commitment for me to pay them an amount of money based on my monthly loan charges.They convinced me that they would get the loan company to lower the monthly rate and that they would make the payment on my account through their services. I checked my credit recently and see that I had negative activity on my account multiple times with the same vendor. I contacted the vendor who was the owner of the loan ( whos name I cant remember at this time ) and was told my account was not current/up to date and that AMERITECH had not been making any payments on my student loan Account for as long as i Have been paying them. The company told me that Ameritechs brand/style of business is to purposely let the account become delinquent. I then cancelled all electronic automatic debits that I agreed to let them take from my account monthly.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX is disputed they sell debt to portfolio recovery I dispute portfolio recovery for proof that this account is mine which it is not they send me invoices with no signatures on them I contact credit companies the verify I ask portfolio recovery for a actual signed contract with my signature they do not have I ask XXXX XXXX they do not have I ask credit reporting companies they do not have I made off to settle three time just to clear my credit reports and remove account from them completely no response { Under section 623 { a } { 8 } FCRA I request the accuracy of this account that is not mine with an actual signed contract under this section the have 30 days even tho it's been over 120 days sense I started this dispute accept my offer enclose again or show an actual contract that no one seems to have AND REMOVE COMPLETELY FROM CREDIT REPORTS .No one has shown proof that this is my account I owe nothing on this account this dispute is with portfolio recovery.dispute now over 120 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have been with TD Bank ( US ) for more than five years and then I received a letter from them on XX/XX/XXXX that they will close all of my accounts including my credit card accounts for no given reason. I did call the number was attached and the phone number was XXXX and I was told that they have the right not to give me any reason. I believe my right was violated and I was discriminated Because I have a XXXX XXXX XXXX name I never had any check bounce or overdraft in the last five years and I always have an extra phone in my accounts. And TD Bank representative told me that banking in in the United States is a privilege not a right which I could I was absolutely shocked by his answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX  and Experian are not responding to any of my requests to investigate and remove accounts that do not belong to me from my credit reports.

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 2018-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Insurance has paid 2 XXXX XXXX XXXX XXXX and they refuse to XXXX refuses to remove them. they keep calling XXXX not the Drs. XXXX and XXXX have it paid XXXX wont fix it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
this vehicle was repo under my ex spouse possession. I was never notified about the repo or called about this matter. My ex spouse never saw a court letter or any type of document. I was XXXX XXXX ( XXXX ) and now I'm a XXXX  veteran ( 100 % permanent and total ). This is not right, not the way we treat are XXXX veterans!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX  credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX American Express has inquiry on following date that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX XXXX XXXX has inquiries on the following dates that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX has inquiry on following date that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX Capital one has inquiries on the following dates that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CBNA has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX  credit report. 
XX/XX/XXXX XX/XX/XXXX XXXX has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX  credit report. 
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 non-monetary relief
Consumer complaint received 2018-08-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Chase credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XXXX has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-18 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: DISCOVER BANK
State: FL

Complaint narrative:
XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX Discover has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BOA started charging maintenance fees on both my checking and savings account without sufficient communication with me ( due to automatic product change without contacting us formally ). They claimed that they sent out email communication ONCE regarding to those. The process takes me to retrieve the updated policy is highly complex and the instruction is not clear

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 2018-08-18 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: ACS Education Services
State: GA

Complaint narrative:
Conduent, formerly ACS, continues to misreport late payments on my credit reports for a paid and closed account. These late payments purportedly occurred in XXXX. However, this account was in an approved forbearance status and should not reflect late payments. As a result, I am requesting original signed documentation of all forbearance records from Conduent for the duration of time that they serviced this account ( XX/XX/XXXX- XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase card shows minimum payment due payment of $ XXXX monthly paid. The card total balance due is automatically paid off every month. Averaging {$1200.00} per month.

Company response to consumer: Closed with explanation