vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
I attempted to call my creditor to resolve my account, and they transferred me to the law firm managing the account. 
The law firm refused to accept my proposed payment arrangement based on my capacity to pay at present. 
The law firm representative advised that the account was litigated, and that there was a real estate lien on my property. I do not own property. It is apparent to me that they were attempting to intimidate me with this false information as a means to collecting the entire balance immediately. 
The representative and supervisor with the law firm stated that they would not accept my proposed payment arrangement because " it does not meet the requirements of their client '' ( the original creditor ). 
The communication with the law firm representatives ended with their confirmation that they refuse to accept my proposed payment arrangement to resolve the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
In XX/XX/2019, a loan was taken out for {$1000.00}. I became homeless and jobless. I was struggling to pay back my loan since the bi-weekly payments were so high, and I had little income and no safe place to sleep, and struggling to keep myself alive. In XX/XX/2019 I contacted CashNetUSA because the e-mail O received said that they could reduce my owed debt down to the original loan amount- {$1000.00}. The representative said that if I was able to make a payment that day, that they would reduce it. They have not reduced it, as promised they would, and now have sold my account to a debt collector with the incorrect debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have a conventional mortgage with PNC Bank, taken out in XX/XX/XXXX for a new home purchase in Maryland ( XXXX County ). I have been servicing this loan and have remained current on all my obligations to date, without a single delayed payment. 

Following significant investment in the property and general value appreciation, and taking into account independent expert advice I received, I came to the conclusion that I had achieved lower than 80 % LTV in  XX/XX/XXXX. 

I have filed a request to delete the PMI in XX/XX/XXXX. PNC took a long time to respond to me and they finally ( after a number of follow ups ) sent me a letter dated XX/XX/XXXX, detailing the processes that I would need to go through to delete the PMI. As required, I sent PNC a check to pay for the cost of an appraisal. 

The appraisal took a while to schedule and finally the appraiser contacted us and we scheduled it for Friday XXXX XX/XX/XXXX. Then, after a number of follow ups across a number of days, PNC wrote a letter dated XX/XX/XXXX ( which I received first week of XXXX ), indicating that the appraisal value for the property was {$630000.00} ( without sharing the appraisal report ) and that I needed to reduce my balance to {$500000.00} to delete PMI. 

As per their instruction, I immediately processed a principal reduction and reduced the outstanding balance of the loan to XXXX on XX/XX/XXXX, and contacted PNC Bank as indicated on their letter to let them know, so that they can delete the PMI. 

I still have not received the appraisal report and don't have a view whether this assessment is valid. I can not contest it without having the report. XXXX County 's ( Maryland ) tax assessment as of XX/XX/XXXX for the property is {$650000.00}. The PNC Bank appraisal value is below this. 

As of today, I have contacted PNC Bank four times between XX/XX/XXXX and today regarding the deletion of the PMI, having complied with every request and investor requirement. I still have not received confirmation on PMI deletion. Although I have made a principal reduction, I am still incurring PMI. 

I believe this is unacceptable behavior and felt obliged to report this to the CFPB. 

I look forward to hearing your views.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I just received the attached credit report today and both the JPMCB Home Lending " accounts '' should have been closed. The foreclosure sale was ILLEGAL based on falsified/forged documents as far back as XX/XX/XXXX. Neither of these accounts technically exist and this " Chase '' ( JPMCB Home Lending ) alias company, is trying to wear me down to admit that they do exist when there is NO Mortgage and NO promissory Note that is original. It was proven on XX/XX/XXXX when my document expert evaluated the FAKE documents. There should be NO derogatory accounts listed on Any of my credit reports. The attached XXXX credit report shows this wrongfully reported. I will attach the document experts affidavit showing that the Mortgage And Promissory Note being used to ILLEGALLY foreclose on my home are false/forged do not exist and the foreclosure is ILLEGAL. This bank can not legally foreclose NOR collect with false/forged documents!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: TX

Complaint narrative:
I submitted a dispute to Experian on XX/XX/XXXX after delinquent XXXX XXXX account was paid in full. Balance was updated, but XX/XX/XXXX was updated as charge off, after account paid in full. Original balance was {$130.00}, payment was {$140.00} on XX/XX/XXXX. 
Another dispute with Experian updating on XX/XX/XXXX updated goodwill  adjustments ( negative comments removed up to XX/XX/XXXX ),  but added negative comments to XXXX and XXXX, XXXX. 
Latest Experian dispute began XX/XX/XXXX and ended XX/XX/XXXX was due to negative comments to XXXX and XXXX. The update for this dispute was to move negative comments from XXXX and XXXX, XXXX to XXXX and XXXX, XXXX. 
Experian can not /will not remove the account from my credit, even though it is set to drop off in XXXX, XXXX, which I requested by phone on XX/XX/XXXX. Experian states that they can open another dispute, but can not guarantee that it will be correct. 
I sent a fax including the attached information to XXXX XXXX on Monday, XX/XX/XXXX. 
Each time the account shows as charge off in Experian, my credit score drops again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 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: AL

Complaint narrative:
UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX, XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ALL IN CREDIT UNION Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Furniture, Etc. 
XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent a letter to Equifax for a item that was incorrect and open and after the dispute they had closed my account without my consent and i would like for it to be reverse back open with no late payments. I sent the same complaint to XXXX  and they re-open the account.I dont know if it closed on XXXX  either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: AL

Complaint narrative:
UNAUTHORIZED CREDIT INQUIRIES : XXXX Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2019 Bank  ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX  Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, 2019 Bank ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2019 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX FACTUAL DATA Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A NUMEROUS AMOUNT OF ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2020 I applied for the XXXX Mastercard that is advertised at the link here : XXXX XXXX XXXX. 

The XXXX Mastercard is clearly advertised as " If Approved, Make a Purchase Immediately. '' After completing the online application through Synchrony Bank, I had to call in to the 800 number listed to confirm security details. This process seemed ordinary, so I answered the questions respectfully and in full. Upon finishing the questions, I was approved for the credit card. 

Great news! I was ready to begin using my new card immediately. However, when asked how this was possible, the agent, XXXX, informed me that it was NOT possible to make a purchase immediately. 

While he did understand that the marketing of the product clearly and undoubtedly states that the consumer would be able to " Make a Purchase Immediately '' - he stated that there were several different cards that this could be referring to. Upon further clarification that there is only one XXXX Mastercard that I applied for and was approved for, XXXX stated that the marketing was correct because " I would be able to use the card immediately after receiving the physical card in XXXX days. '' Upon escalating the situation to a supervisor, XXXX, it was clear that Synchrony Bank is specifically aware of the false advertising of the card, and that they were unwilling to provide any reasonable solution for the consumer. 

I suggested to XXXX that a reasonable solution would be to overnight or express ship the physical card to my address. While this is not " immediate, '' I felt that it would be a fair way to mitigate the situation. XXXX refused to have the card express shipped and agreed, without question, that I had been misled by the marketing of this product. 

Unfortunately, there is no way to go back in time and un-run my credit report or take back my social security number. However, Synchrony Bank is specifically at fault for this situation for a ) including misleading or incomplete marketing information to advertise their XXXX Mastercard, and b ) failing to provide a reasonable level of customer service by expediting the delivery of the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
UNAUTHORIZED CREDIT INQUIRIES : XXXX  XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  XXXX   Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I started a loan with Nissan Finance Corporation on XX/XX/XXXX. I was to pay {$290.00} a month for 66 months. I have been paying {$300.00} to pay off the principal earlier. I was told I would be done by XX/XX/XXXX by making extra payments. They are still saying I owe them {$130.00}. I went back in my statements online and for the entire first 10 months ( XXXX XXXX/XXXX/XXXX ) they took out NO extra principal. They also did not apply extra principal payment onXXXX. My whole account is messed up as my payment amount due only shows {$270.00} for the past statements. It also shows that I only paid {$17000.00} in principal, interest is {$2000.00} paid and I owe them {$130.00} when my loan contract shows that only paying minimum would have me at the same number. Everything is false. I called on XX/XX/XXXX and was sent to XXXX, a floor manager who called me back later that day and asked for 24 hours to get achived files. I got no phone call. On XX/XX/XXXX I spoke to XXXX who transferred me to his supervisor. She told me XXXX was on another phone call but I owe them the {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BTH Management
State: VA

Complaint narrative:
On XX/XX/2020, my sister had messaged me saying that she had received a phone call from a lawyer looking for me and that I was a suspect in a crime. My sister called me and we spoke about this also. She said that the woman said her name was XXXX and she was looking for me because my name was put down as a suspect for a crime committed. I called the number that called my sister and immediately I was asked to verify the last four of my social. I do not even know who I am speaking to, I told the woman. She stated her name and said she was a debt collector and was calling about my debt, which is wrong in amount, to XXXX. I told her the amount was incorrect during this phone call and she did not seem to care. I filed a complaint with XXXX, also. I explained to her my circumstances and I explained to her also that XXXX promised to reduce my owed debt to my original debt of {$1000.00}. She did not care. I also asked why she was calling my family and lying about who she is claiming that she is a lawyer and I am a suspect in a crime. She did not have much to say to this. This violates Section 807 of the Fair Debt Collection Practices Act. She also never informed me, like every debt collector has to, that I have 30 days to dispute the debt. After speaking with her and getting nowhere after telling her my circumstances, my dad calls me and tells me the same thing. That a lawyer called looking for me because I am a suspect to a crime. Then my grandmother had said that the woman called her also, claiming to be a lawyer on the voicemail and said she needed me or my lawyer to contact her to settle the matter. This is in total violation of the FDCPA. This woman was rude, and she has harassed my family and lied about who she is and what she is calling for. If this woman making false representation does not get taken seriously, I will be taking further action also. XXXX sees all and knows all.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AIH Receivables Management Inc.
State: MO

Complaint narrative:
AIH Recievables has been calling my father 's office phone, his company phone and his cellphone repeatedly. They are only allowed to call once, and they continue to call several times a week. I don't know if they ever sent a written notice of any debt, because I am not sure what debt this could be in reference to. 

This is incredibly hard on my father and his company. It is a smaller, start-up type company and they really don't have time to deal with constant, harassing calls. 

I believe they have violated the FDCPA, due to : the harassing nature of the calls ( over 10 calls made to his office ), the fact that they have repeatedly tried to contact a third party, and because I NEVER provided any number related to my father on my medical accounts. 

Please let me know how I can move forward in submitting these violations, as this has been very annoying for my father, and myself.

Company response to consumer: Closed with explanation