vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Atlantic Credit & Finance, Inc.
State: OR

Complaint narrative:
I was contacted b y Atlantic Credit and Finance i n  2015  regarding a credit card debt I owed to  XXXX   XXXX  Company.   We resolved the debt and I paid a settlement in good faith in the amount of {$10000.00} on  X/XX/15   .   I took this money out of my 401K.   My complaint is that I was not told this would be considered income by the IRS and the State of Oregon.     As a result, this created an additional tax burden for me and I had no way to arrange for additional withholding since I did not know the amount of debt " forgiven '' would be counted as additional income.   IF I would have known the complete impact of the arrangement I agreed to, I may have preferred to make other arrangements.     I was led to believe there would be no further consequences to my finances once I paid the agreed upon amount. This omission by Atlantic and their representative constitutes bad faith and misrepresentation.     I am still dealing with the IRS and State of Oregon on this issue and it continues to cause financial hardship.     I would appreciate you investigate this action by Atlantic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent 2 letters to Experian to verify the information that is placed on my credit. I have sent letters out to those negative reporting companies and I have n't heard anything back. One dispute was received by Experian on XX/XX/2017 regarding inaccurate reporting inquiries and unverified negative accounts. I received a response by mail on XX/XX/2017. I keep receiving the response that it was verified but they fail to show me any proof that it was in fact verified by the person they had a conversation. I do n't think that time was taken to investigate the inquires I requested along with the negative reporting information. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is refusing to remove outdated creditors on my credit report. The following creditors have been reporting minimal 9 years and some more than eleven years which according to FCRA if the creditors have not been deleted I am within my rights to request for them to be deleted from my credit reports. Upon reviewing my credit report ( report number XXXX ), I discovered obsolete accounts. Please delete this accounts immediately as they are too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. It is also against the FCRA to re-age accounts and they seem to be doing this as well. 
Account names : XXXX, XXXX, Date opened XX/XX/XXXX XXXX, XXXX, Date opened XX/XX/XXXX XXXX,XXXX, Date opened XX/XX/XXXX duplicate account XXXX, XXXX, Date opened XX/XX/XXXX XXXX , XXXX, Date opened XX/XX/XXXX Transferred, closed. 
XXXX, XXXX, Date opened XX/XX/XXXX Transferred, closed XXXX, XXXX, Date opened XX/XX/XXXX Then Experian is reporting names that are not mine : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,XXXX XXXX , XXXX They have this XXXX as my address, I have never had a XXXX : XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS
State: IN

Complaint narrative:
Describe what happened so we can understand the issue ... 
I called on XX/XX/2017 to file a dispute on my report because of information that was not correct at all. It was not what was told to the company that reported it and the result was the continued raise in insurance rates even though I was a customer for years and I did n't understand why. Upon leaving I found out about the erroneous reporting. I called for the dispute and on today XX/XX/2017 I called to check status since it had been 21 days and I was told that she, XXXX the rep I spoke with, could not even find the dispute. This was outrageous! It is a way to continue to gouge customers and continue to force lies regarding people. Fact checking need to be done before reporting, it affect lives of people, because citizens have to jump through hoops to get it corrected and it cost time and money that we already can not afford. This has cost me years of money and I am already owed a refund of my current insurance pending the correction of this documentation. I am demanding compensation for this outright lie. I can not be at fault for an accident that is not my vehicle, when I am the passenger in someone else 's vehicle! It is impossible. This needs to be corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank , N.A . continues to circumvent the CFPB process by sending me letters related to open complaints ( see complaint # XXXX ) while refusing to upload the responses to the CFPB. While the letter I 've attached from Citi purports to show that the CFPB was carbon copied, the letter was never attached to the open complaint. As I have stated in the prior complaint, my identity was stolen by my deceased husband to open the Citi credit card. I have asked for the signed application or anything that would show I opened the card and was told that it no-longer exists. After several months of back and forth, I received a letter with copies of XXXX checks that I signed that says " I acknowledged the debt. '' During my husband 's XXXX he spend nearly 30 days, split up over several overnight inpatient stays, to have multiple XXXX in the last year of his life. I 'll reiterate that my husband handled all financial and banking issues during our 40 year marriage. The XXXX checks Citi provided with my signature ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) all correspond to dates that my husband was in XXXX recovering from XXXX. During those inpatient hospital stays my deceased husband was XXXX he was unable to sign his name and write. For this reason alone, he asked me to bring his checks to the hospital, indicated who should get checks and for what amount, and asked me to sign the checks on his behalf. At no time did my deceased husband explain to me what the checks were for - I was just following his instructions while he was in the hospital. The concept that my signature on these XXXX checks in this specific situation would " acknowledge the debt '' and make me liable for his obligations is utterly absurd. I have already filed an FTC Identity Theft Affidavit that was signed and acknowledged before a XXXX County, Maryland police officer. As I have repeatedly indicated, I will do this again if Citi requires yet another statement my me under oath that the Citi credit card was never mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GREAT WESTERN BANCORP, INC.
State: NE

Complaint narrative:
I started asking in XX/XX/XXXX for someone to call me about my HILOC coming due. I asked in XX/XX/XXXX and again in XX/XX/XXXX when I visited the branch office. Finally in beginning of XX/XX/XXXX, I called an asked the persons name and location to have a face to face conversation. She gave me a short list of things to get and said they can do a 90 day extension. I brought the items to her. I received a regular bill for XX/XX/XXXX and paid it. Two weeks later I was told I needed 2 years tax returns, which I did not have. ( I have an email from customer service that said my loan was extended in XX/XX/XXXX ) Because I did not have my previous tax return, I was advised I could not do another HILOC, I had to do a morgage instead. She sent my info to XXXX to do a morgage. He contacts me several days later asking for the same info and he told me she could not have done a HILOC in XX/XX/XXXX due to the account was past due, this is now mid XX/XX/XXXX. I advised I did not have the tax returns, they were with XXXX, and due to their policy change I had to wait to file to get access to previous returns. I startged getting late notices for XX/XX/XXXX and my credit was being ruined, there was no extension, or it was reversed. I got the irs to send me my tax return so i could get the loan done, I had been approved just needed the copy he said. I did not hear from XXXX for several weeks and I started calling again. He finally sent me the loan docs, 6 days before closing. Then these doc 's had to be changed, and I could not view them till I got into the office to sign. No discussion was held with me what I wanted, the bank decided to lock me into a 10 yr morgage with payments nearly half my income and made me escrow my taxes and ins, which I did not want. I am borrowing about 60 % of value of home. I asked if I had to have auto pay, he said no, I can pay when ever I wanted which was good, i wanted to pay earlier to cut down on interest. He called 2 weeks after loan is signed asking for my drivers license info. Now I am now being told I have to go on auto pay and they can only pull my regular payment 1 month after the loan is signed. I feel I have been lied to and misslead the entire time with what I wanted to hear just to keep the loan with them. I feel they had me in a corner and i could not get out of, this is now 60 days and was another mark against my credit. To go anywhere else, would have taken more time and a possible forclosure, yes they sent a forclosure threat even though they were refinancing me. To go somewhere else now will cost me anotehr XXXX in closing costs. I want someone to look into their deceptive practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I called TransUnion and XXXX in regards to the XX/XX/XXXX settlement initiated by the Attorney General of New York against the XXXX major CRA 's. It 's my understanding that they have 3 years to implement the changes lined out in the agreement. One item that I read that supposedly took effect in XX/XX/XXXX was to remove paid medical debt that the creditor or collection agency, etc. had reported paid and closes. However, when I called TransUnion and XXXX, they were clueless to this. They said that my paid medical debt ca n't be removed but they could possible file a dispute. I explained that it 's not my responsibility to file a dispute. It 's my understanding that the CRA 's " have '' to remove the paid medical debt from the credit report. I could n't get either company to let me speak to someone " higher up ''. Please advise if I 'm correct on the removal of paid medical debt, and if I am, please help me to get the CRA 's to remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover docked my credit line from {$19000.00} to just {$500.00} with no notice at all, citing the fact that I had balances on credit cards with other companies ( despite the fact that I paid my bills ). I had forgotten to pay a {$38.00} total balance and was a couple of days late on my Discover payment. Once I realized I was late, I paid immediately, but since I rarely use the card I thought I had paid earlier. I found out my credit line was decreased to {$500.00} when I went to make a small business purchase of around {$300.00} and my card was declined. I was given no notice of this, and when I called Discover they said they had mailed me a letter that would take 7-10 business days for me to receive. I had not received it yet. The credit line was decreased one day before I received an email with my statement details ( attached ), noting that I had {$16000.00} in available credit remaining and still I was not notified of this change. I was planning to use my Discover card to help finance supplying my company ( a XXXX ) with stock for an upcoming XXXX show at the end of XXXX. This is no longer an option for me and I find it appalling that Discover was able to reduce my credit line by {$19000.00} overnight with no notice at all. 

In summary : XX/XX/XXXX, 2017 : my credit line was decreased from {$19000.00} to {$500.00} ( no notice provided ) XX/XX/XXXX, 2017 : I receive my statement saying that I have {$16000.00} in available credit remaining XX/XX/XXXX, 2017 : I attempt to make a roughly {$300.00} purchase and my Discover card is declined due to credit limitations XX/XX/XXXX, 2017 : I call Discover to clarify and a service representative tells me there is nothing they can do to adjust my credit limit, and that it will remain at {$500.00} XX/XX/XXXX, 2017 ( after calling rep ) : I receive an email noting that I have a secure message from Discover. The letter is dated XX/XX/XXXX, 2017 and includes the information about my credit line decrease to {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am writing to your agency in hopes you can help me to dispute some charges made on my XXXX. I got contacted by XXXX by an unsolicited phone call. I paid them a total of {$8500.00}, which {$4500.00} was on my AARP visa card. XXXX promised me for services that were never rendered. I started with them on XXXX/2016 they called me saying I needed their services in order to my online business make money. I received nothing to this day. I was informed that I have 538 days to try to dispute. I decided to take a chance since I got involved in a mess. I lost close to XXXX paying these fraudulent companies and they ignored my calls after a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
In XX/XX/2007 we file bankruptcy. we reaffirmed on our home loan threw XXXX are attorney had are APR Modified under reaffirmation to 7 % that XXXX said was a fixed rate. If we paid on time every month it would drop 1/4 % to a cap of 5.5 %. Are loan was at the 5.5 %. our payments were {$560.00} a month as of XX/XX/XXXX. At the end of XX/XX/XXXX XXXX sold our loan to a company called Rushmore we received a bill end of XX/XX/XXXX that said if we paid before a certain date to pay beneficial then every payment there after was to be made to Rushmore. It was stated that everything would stay the same. we paid XX/XX/XXXX and never received a bill for XX/XX/XXXX. I called Rushmore and they stated that they did not have to send us a bill because we are still in bankruptcy. They told me our payment was now going to be {$950.00} a month and our APR is at 9.48 % They stated to me that they can do what they want with our loan because they now own it. I contacted XXXX at XXXX I was told that nothing should have changed. Rushmore will not provide us with any documentation of why they think they can go against our bankruptcy agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2017 my cc was lost reported right away to the company. Finding out 3 wks after my account was closed due nsf.But did n't find out truth them I find truth XXXX monitoring my credit .I contact right away as well to my bank XXXX and no records of any nsf.Call them bank and was showing my cc was used and was attempt of 3 payment on XXXX different checking accounts by more than obviously was a fraud case talk with 4 different supervisors nothing resolve even with a police report from XXXX COUNTY XXXX .Once again yesterday I broth this to their attention finding out accept never was report lost and they never took te police report now my credit is been affective

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I am submitting another complaint on Ford Credit for a number of issues again, in which my previous complaint was not answered correctly or accurately by Ford Credit, and thus I assume that Ford Motor Company would want to investigate the person who handled my previous complaint to see if they way I have been treated was not as a customer but as I can tell and others can as a person who is less than a human being, so in that regard perhaps a jury of my peers would agree with me that Ford does not care about customers whether they are former military members or not, not addressing individual 's complaints. My complaint before did not answer my own issues, and put in infomation correct, however, that may serve well in a future legal action as this account is still in dispute. 

My complaint today is Ford Credit still has not sent by mail, as I was told by the Redemption Department Supervisor that Ford Credit 's policy is not to allow me access to any of the document unless I " subpoena '' the documents which by my estimation is incorrect as I am not an authority of government, I merely asking by the law and common decency for myself to verify the loan documents and repossession which to date, Ford Credit has refused to provide over the phone, and perhaps in the phone recordings they can hear me ask for those documents or ask the individuals who gave me that information which I believe to be false, and I believe Ford Credit should change that policy if it exists as I anticipate it is against the law to not provide me copies of documents that are mine, they do not seem to create any issue I can anticipate that would hurt myself or others, perhaps it hurts Ford Credit potential case against me though, which is something a jury would have to decide is a valid way to settle a dispute with a customer, simply by ignoring customer requests with inaccurate and false information. 

Also, the New Jersey Division of Motor Vehicles is asking where the XXXX is and has threatened criminal action against me with a jail sentence, so while Ford Credit and myself are in dispute, will Ford Credit answer whether or not I deserve a jail sentence for Ford Credit 's negligence in simply mailing me the correct documents that my freedom is not taken away because Ford Credit simple did not provide me with documents. Also, I am disappointed Ford Credit did n't inform New Jersey the XXXX is possessed by them so that I do not face anymore adverse action than I already have, but perhaps Ford Motor Company does n't care about it 's subsidiaries Ford Credit and XXXX Ford just not caring about customers or the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have been threaten by PNC of being Foreclosed and they are not working with me. I was forced to move from XXXX XXXX to XXXX XXXX XXXX due to military XXXX in XX/XX/XXXX, I moved my family and posted the house for sale several times, seeing that nobody will buy it I rented it but even then the rent was not covering the mortgage, then I retired and financially I was having a hard time keeping the house, last year I got divorced and got even worse financially and even then I keep the hardest to keep the property, then PNC Mortgage threaten me to foreclose the house, I then had all the intentions to short sale the house at the very least. My balance in the mortgage is around {$210000.00} - {$210000.00} and I had several offers which I submitted for {$180000.00} and I had a backup for {$190000.00} and the lender ( PNC Mortgage ) denied the offer and refused to work with me asking for {$230000.00} when the appraisal came back without them even going in the house and scared away any other offers I had on the table. They interfered with my attempt to short sale the property by refusing to cooperate with me. I am running out of time and they set a date to foreclose this Wednesday XX/XX/XXXX and I have several calls from people interested in the house and I am willing to keep trying to short sale. I please very respectfully request to help me in this matter and possible avoid being foreclose and for PNC to cooperate and work with me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation