vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-11 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: NV

Complaint narrative:
There are accounts on my credit report that are reporting inaccurately. I have also been a victim of Identity Theft in the past and I feel like the Credit Bureaus are NOT protecting me or my credit. There's a XXXX XXXX account that has been disputed several times and XXXX XXXX and XXXX have removed it but Equifax is refusing. I need these accounts to be following the laws of the FCRA, and not continuously refusing to. Here are the accounts in question : XXXX XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - This is not mine nor have I been to any medical facilities - and I have insurance I requested documentation that was never sent. 

These inquiries contain no signature and has no permissible purpose. The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order. D ) employment I DID NOT AUTHORIZE THESE and they need to be removed immediately. 

XXXX XXXX XXXX Miscellaneous Finance XX/XX/2019 XXXX XXXX XXXX XXXX Finance/Personal XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX Bank XX/XX/2019 XXXX AN # XXXX - XX/XX/2019 Equifax XXXX XXXX - XX/XX/2019 Equifax XXXX XXXX Finance/Personal XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
I had went to Suntrust banking back in XX/XX/2018, I had issues with a merchant making unauthorize debit from my checking account. They changed my card. After receiving the new card, some how they was still able to continue debting my account. I went to speak with the manager about my account, and the decision was to suspend account temporarily and watch the accounts. I ask the manager what will be the best action to take and the decision was to suspend the card. while the was suspend the merchant would try to debit account four to five times daily. After two month the manager decisison was to unblock the card, and stated that the bank would put a security alerts on the account so the merchant could not debit card anymore. The card was unblock and the merchant took all my disability income. I filed several claim with Suntrust Bank, after long time waiting for respond the claim was denied because of inconsistencies. What ever that mean. The should have never unblocked the card, I should have been reissue a new 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 2019-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Northern Service Bureau, Escanaba Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I received a phone call from a Mrs. XXXX at the Northern Service Bureau in XXXX, Michigan asking me to return her call. On XX/XX/XXXX I returned her call and spoke with XXXX. XXXX was not nice and proceed to tell me that legal action will be taken against me if I do not resolve these issues. I asked her if she was threatening me with legal action cause that is a violation of federal law. She replied with I didn't say that! I informed her I do collections for a living and it is a violation and if I did that I would be fired. She told me I owe over {$800.00} from the early XXXX and it needs to be paid. I told her my financial situation does not allow me to make payments at this time. She continued to argue with me on it. I did inform her to never call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: CO

Complaint narrative:
we started the process XX/XX/2019 and it is now XX/XX/2019 they continued to ask for thing needed every couple of weeks and did a bad job of communication with me though the whole process i have put XXXX dollars into it plus tried to pay my bills on time. i have been passed from person to person with no end in sight and now i have fallen behind on my mortgage payment because of this and they are telling me that there is nothing they can do even though i have done every thing they have asked. i am willing to provide all communication i have had with them if need but something should be done before it happens to anyone else.

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 2019-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Today I received notifications that new collections accounts were added to Cbr reports ... I called Ability Recovery and was informed that they had been reviewing my BK filled in 2014 and stated I was still responsible for charges from dates of service XX/XX/2014!! My ch XXXX was discharged XX/XX/2014 .. I am not liable or responsible to pay this debt.. I do have 1date of service for XX/XX/2014 that they indicate Im responsible for .. 
I would like the verification of debt for the file associated with date of service XX/XX/2014 And removed the other to accounts off my CBR

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 2019-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I paid off my mortgage with Nationstar/Mr. Cooper on XX/XX/XXXX. My past payments to the company were for {$350.00} twice a month. On XXXX XXXX NationStar/Mr. Cooper withdrew {$420.00} from my account on XXXX XXXX, XXXX XXXX and XXXX XXXX without authorization. I called on XXXX XXXX and spoke to XXXX XXXX. I emailed Ms. XXXX copies of my bank statements to probe the theft, since the company has no record of the theft. I called the company again on XXXX XXXX and spoke to two representatives. Neither would provide me with a resolution on how to get my funds returned to me. Mr. Cooper has stolen {$1200.00} from me and is unwilling to return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I opened a XXXX store card in XX/XX/2019. The company they use is Comenity Bank. I was sent the first statement in XXXX. The due date was too soon after receiving the bill and I was one month late paying my initial purchase bill. I paid the full purchase balance off with the first bill. I was charged a late fee and a finance fee. This was in XXXX of this year. Since then, they have continued to charge me a late fee and finance charge even though I had already paid off the original balance. So I am being charged a late fee for paying a late fee late- and a finance charge on the late fee. Even though there has been no balance to finance. I have proof off all transactions to show this. I called the company to attempt to settle and was told there was nothing they could do. This call took place on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
The complaint is with PNC bank my mortgage company my two rental homes in Pennsylvania I have told them so many times that I can not pay the mortgage on the first because the way the money comes in I was never late I pay my mortgage around the XXXX XXXX or XXXX of each month and I still get calls and a statement showing the month that they saying its behind which is not because of the grace period time Until the XXXX of the month on top of that they send me a statement of the next month that is due on XX/XX/XXXX ... I think this is an harassment its not helping the customer and the situation ... Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express is reporting wrong amount information to my credit file XXXX XXXX XXXX ACCOUNT XXXX : XXXX. 

I would like for American Express remove wrong amount information to my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are accounts on my credit report that are reporting inaccurately. I have also been a victim of Identity Theft in the past and I feel like the Credit Bureaus are NOT protecting me or my credit. There's a XXXX XXXX account that has been disputed several times and Trans Union and XXXX have removed it but XXXX is refusing. I need these accounts to be following the laws of the FCRA, and not continuously refusing to. Here are the accounts in question : XXXX XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - This is not mine nor have I been to any medical facilities - and I have insurance I requested documentation that was never sent. 

These inquiries contain no signature and has no permissible purpose. The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order. D ) employment I DID NOT AUTHORIZE THESE and they need to be removed immediately. 

XXXX XXXX XXXX Miscellaneous Finance XX/XX/2019 XXXX  XXXX XXXX   XXXX Finance/Personal XX/XX/2019 TransUnion XXXX XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX  XX/XX/2019 TransUnion AN # XXXX - XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX Finance/Personal XX/XX/2019 TransUnion XXXX OF XXXX XXXX XX/XX/2019 TransUnion

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 2019-10-11 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: NV

Complaint narrative:
There are accounts on my credit report that are reporting inaccurately. I have also been a victim of Identity Theft in the past and I feel like the Credit Bureaus are NOT protecting me or my credit. There's a XXXX XXXX account that has been disputed several times and XXXX XXXX and Experian have removed it but XXXX is refusing. I need these accounts to be following the laws of the FCRA, and not continuously refusing to. Here are the accounts in question : XXXX XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - This is not mine nor have I been to any medical facilities - and I have insurance I requested documentation that was never sent. 

These inquiries contain no signature and has no permissible purpose. The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order. D ) employment I DID NOT AUTHORIZE THESE and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2019 Experian XXXX XXXX XXXX XXXXl XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX XXXX XX/XX/2019 XXXX AN # XXXX - XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 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 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XXXX charged my Visa Chase card {$1100.00}. On XX/XX/2018 for a reservation l did not make. Visa refunded the amount in XX/XX/2018 and recharged my account in XX/XX/2018 for {$1100.00}. I have called XXXX, the hotel involved in XXXX, FLA and the XXXX XXXX XXXX to verify where l was. I sent reservation papers to Visa, because l was in XXXX at that time. But had nothing to do with XX/XX/XXXX. My reservation 's were made by XXXX and paid by them for XX/XX/2018. 
I can not make online purchases using my Visa, Mastercard or XXXX. IAMXX/XX/XXXX and must shop on line. 
PLEASE HELP ME CLEAN THIS UP. 
When l try to order l get a message that my card has been blacklisted???????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TX

Complaint narrative:
Around XX/XX/XXXX I notified XXXX XXXX of my divorce to XXXX XXXX XXXX and sent them a copy of my divorce decree and special warranty deed. Both documents show I am no longer responsible for any part of the mortgage of the property located at XXXX XXXX XXXX XXXX, Texas XXXX. XX/XX/XXXX I received a release of liability statement from the Department XXXX XXXX XXXX and faxed that as well. I also faxed all above mentioned documents to all three credit bureaus. The mortgage was removed from all three bureaus around that time. Sometime in XXXX the XXXX XXXXe reappeared on my equifax credit report. I found this error only last week unfortunately. I contacted equifax and filed a dispute. Equifax responded with XXXX said it was a factual debt. I have fought with XXXX over this mortgage and all the 60-90 day lates and I am tired of dealing with something that feels unwinnable. At this time this is the only thing hurting my credit my FICO score would not be in the low 700 's because of a XXXX Equifax credit score because of fraudulent reporting. This is no longer a mistake it's fraud when it is taken of then put back on and the reporting company has the information knowing it shouldn't be there!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
It began when we ( me and my wife ) processed a payment on our daughters electronic tablet on XX/XX/XXXX in the amount of {$4.00} to XXXX XXXX ( game developer ) via the XXXX XXXX app. Barclays did contact us immediately to confirm that this was authorized purchase, of which we answered in agreement to authorize it. Soon after, beginning on XX/XX/XXXX, my daughter used this card to process purchases mostly to XXXX XXXX ( other game developers also, always through XXXX XXXX ) without our consent. I contacted Barclays in early XXXX to dispute these charges, of which, your representative put me in contact with a XXXX rep and XXXX agreed to credit us back a portion of the purchases totaling {$220.00} with the assumption that we would contact the game developer, XXXX XXXX, and dispute the remaining balance directly with them. At this time I have contacted XXXX XXXX three times via email and they have not replied to my inquiries as of yet. 
I would like the remaining balance of {$440.00} credit back from either XXXX, XXXX XXXX ( and other game developers ) or Barclays. The U.S. Truth in Lending Act covers unauthorized purchases in excess of {$50.00}, protecting consumers. 
The XX/XX/XXXX letter stated that Barclays position is that, once a cardholder releases the account information to another individual for use of the account, he/she is accepting responsibility for any and all purchases made by the individual. I strongly disagree with this position. The comparison to my situation is back when the Federal Trade Commission ordered XXXX to pay out a minimum of {$32.00} XXXX to reimburse parents for unauthorized mobile app purchases made by their kids. Whether youre doing business in the mobile arena or the mall down the street, fundamental consumer protections apply, said FTC XXXX XXXX XXXX in a statement. You can not charge consumers for purchases they did not authorize. This is identical to my position, these charges were made by my 10 year-old daughter without our approval. 
The fact that XXXX refunded us {$220.00} of the original {$660.00} in unauthorized charges demonstrates that they are accepting responsibility, yet, not completely, based on the partial refund. XXXX position at the time of their refund was that they will refund the {$220.00} and remaining balance owed will have to be addressed by contacting and disputing the charges with the game developer, most of which is XXXX. At this time, XXXX has not replied to my three inquiries and XXXX has refused to reimburse us any more money.

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 2019-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: CA

Complaint narrative:
I have tried to apply for a repayment plan based on my income/ability to pay back my student loan debt. I am currently on a repayment plan option but this past month, I have been transitioning out of my part time jobs and into a new job, however the job I am transitioning to will only pay minimum wage until further notice. My current monthly payment is at {$250.00}, I called today, XX/XX/2019 to discuss my past due amount of {$200.00}, as I could only afford to pay the {$50.00} the past month due to the transition/being out of a job. I was told that the only option was to go into forbearance, but then would lose my repayment option and there was a great chance that when I reapply for the repayment option, it would be higher than the {$250.00} that it is now which I am struggling to afford as it is. I decided to not take the forbearance since it did not make sense, but have communicated that I can only commit to {$200.00} / month. I was told that there was no way they could go under {$220.00} for my monthly payments and to not resubmit a repayment plan form because they will dismiss it since I am already on one until XXXX. They also will not accept an income-based repayment plan for any loan over {$30000.00}, which mine is, so I am at a loss. They said I could pay the {$200.00} a month but after 6 months, the additional $ XXXX/month would send me into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NC

Complaint narrative:
Please review attached letter and documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO
State: MA

Complaint narrative:
I am working with the third part debt consolidation in regards to several credit cards. Popular Bank is cashing the checks from XXXX, but, continues to reject their proposals for lower interest and payment. Popular Bank has requested various materials from XXXX, which were provided, but continues to come up with reasons to not work with them. Popular Bank has refused my requests to work with them regarding my hardship, they advised that they will not work with me unless I am several months behind in payments. They are giving the runaround to the debt consolidation company, as well as to myself. They refuse to help the consumer during hardship.

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 2019-10-11 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Back in XXXX, I sent Equifax a dispute letter via priority mail, they received my letter on XXXX, and since that time they never responded to me, according to the tracking number by USPS, Equifax received my dispute letter on XX/XX/2019, I mailed it to the same address that I have mailed to many times before, and Equifax has always responded, so I know it wasn't the wrong address. The address I mailed to, was XXXX. XXXX XXXX XXXX, GA XXXX, the tracking number that verifies they received it is listed below. 



Equifax tacking number for XXXX XXXX

Company response to consumer: Closed with explanation