vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I applied for a mortgage and found some incorrect information being reported about an old auto loan through XXXX XXXX. I have disputed the incorrect information and sent additional documentation multiple times regarding the account. XXXX deleted the information when i first sent the documentation. I have since disputed the account with XXXX and Experian 4 more times with no changes to the account at all. They are reporting an incorrect balance and i have sent them proof of this. I even asked for their method of verification to which they did not provide or do a reasonable investigation. This is my last chance to resolve this incorrect info before turning it over to my local consumer protection attorney to file an FCRA lawsuit against XXXX, Experian and 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 2017-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
The complaint is filed against XXXX XXXX XXXX XXXX Financial Advisor XXXX XXXX XXXX XXXX XXXX for demanding upfront money for co-payments of {$150.00} per day on XXXX XXXX while NO BILLING was presented to my health insurance company. Such fraudulent attempt to collect upfront money is illegal. His illegal action was reported to XXXX XXXX and to my health insurance company and is disclosed to this Agency. Additionally, his harassment and illegal action to collect monies upfront is included in the medical malpractice case against XXXX XXXX XXXX XXXX. <P/>The dispute of charges started with XXXX XXXX XXXX XXXX to stay only 3 days as Inpatient. During those 3 days I was XXXX with an excessive amount of XXXX and XXXX XXXX which caused XXXX XXXXs. As the result of such medical malpractice I had to seek additional medical care at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX causing additional medical care expenses. Presently, I am making monthly payments, some have been paid in full and the disputed balance is pay in monthly payments, XXXX, XXXX and XXXX XXXX and next payment is due on XXXX XXXX, XXXX. Therefore, as long a payment is made, the balance can not be sent to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I ordered 2 XXXX XXXX products online from a company named 'XXXX XXXX '. The ad offered that you pay shipping and handling only for {$4.00}. My bank account shows that on XX/XX/XXXX I was charged {$4.00} for 'XXXX XXXX XXXX ' and on XX/XX/XXXX I was charged {$4.00} for 'XXXX XXXX XXXX XXXX '. Both of these were taken from my debit card. On Friday, XX/XX/XXXX I went online to check my account and seen that they again charged me {$80.00} for 'XXXX XXXX XXXX ' and {$83.00} for XXXX XXXX XXXX XXXX ' on XX/XX/XXXX. I immediately contacted them. The first person I spoke with told me she 'could not locate ' my account and would call me back. No call came, so 3 hours later I called again and spoke to another individual who found my account immediately and then she advised me that I could not get a refund. She advised that I had 2 weeks to contact them or I would be charged, I knew of no such thing. She hung up on me at some point. I called back 2 more times to try to talk to someone and they both hung up on me. I have filed a dispute with my bank, Huntington Bank - they say it will take 45 to 90 days to get the dispute processed. I am guessing that it may have stated this in very very small print somewhere. But, although that is still wrong - it still was not a full 2 weeks before they pulled money from my account. I have cancelled the card with my bank as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX/XXXX/XXXX : I requested validation/substantiation of a collection claim from XXXX XXXX XXXX XXXX XXXX in the amount of {$220.00}. No response was received at all, so I took it a step further and contacted Equifax ( followed the same steps for XXXX and XXXX, XXXX removed the account after their investigation : XXXX and Equifax did not ). XXXX/XXXX/XXXX : I requested Equifax investigate and remove the account due to XXXX XXXX XXXX XXXX XXXX non-reply ( provided a copy of the letter sent to XXXX XXXX XXXX XXXX XXXX ). XXXX/XXXX/XXXX : Equifax responded indicating that their investigation was complete : item verified. XXXX/XXXX/XXXX I requested the method/detailed explanation of the verification. In Equifax notice to consumer section on each response to my dispute, it specifically indicates word for word ; " You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the phone number. '' XXXX/XXXX/XXXX : Equifax responded with a duplicate of the letter received dated XXXX/XXXX/XXXX, the only difference was the date. My request was completely ignored. My requests were mailed certified, I am not only losing money but also losing time on detailed correspondence which is clearly not read by a human, this is obvious because I am receiving duplicate automated responses. Equifax stated in their response letters to me that they requested that XXXX XXXX XXXX XXXX send a response to my dispute ; why would n't Equifax forward me that response?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
On XXXX XXXX,2017 I made an online balance transfer with USAA for the amount of XXXX I 'm a XXXX Vet with medical documentation. I made an error filing the online balance transfer. I immediately called USAA to cancel the transfer. It was and still is in Pending. USAA informed me they would not cancel the balance transfer. <P/>I 've contacted them on XXXX XXXX,2017. Spoke with Executive Resoultion XXXX XXXX over the phone. Spoke with 8other USAA representatives. I also chatted with four different USAA personnel. All telling me NO. I called six different and chatted online with threeUSAA. I 've been calling everyday since XXXX XXXX,2017 and keep getting denied of the balance transfer. USAA wants to post the transfer so they can accrue the interest rates. I 'm XXXX and can not afford the interest charge of {$150.00}. I called USAA immediately when I realized my mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I applied for a mortgage and found some incorrect information being reported about an old auto loan through XXXX XXXX. I have disputed the incorrect information and sent additional documentation multiple times regarding the account. XXXX deleted the information when i first sent the documentation. I have since disputed the account with Equifax and XXXX 4 more times with no changes to the account at all. They are reporting an incorrect balance and i have sent them proof of this. I even asked for their method of verification to which they did not provide or do a reasonable investigation. This is my last chance to resolve this incorrect info before turning it over to my local consumer protection attorney to file an FCRA lawsuit against Equifax, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Professional Debt Mediation ( PDM ) is trying to scam consumers into paying more than they are required to pay for past due debts. I will admit that the amount that was sent from the original creditor is incorrect, but I have since spoken to the original creditor as well as PDM to have the amounts adjusted. Both parties have admitted that the amounts are incorrect on separate occasions over the phone, but no one will send me anything in writing correcting the amount. <P/>The original debt is for XXXX XXXX XXXX which was formally owned by XXXX XXXX XXXX. There are two standing issues with the amount I am accused of owing. First, in order for me to move in to said apartment, I had to pay a {$850.00} deposit as well as {$190.00} non refundable administration fee, plus the pro-rated amount for the first months rent. Upon the day of my move out I was charged an extra month of rent. They are unable to explain to me why I am charged for another month of rent and it shows up on the balance sheet given to me as " Other - Balance on Account ''. On top of that, they did not apply the {$850.00} security deposit I paid upon move in. One the balance sheet that was provided to me, it says " This is a notice of the landlord 's intention to imposes a claim for damages/charges in the amount of {$2100.00} upon your security deposit in the amount of {$0.00} due to : .... '' then it addresses the reasons. I I have made this very clear to PDM that the balance that they say I owe shows my security deposit as {$0.00} ; however, my lease ( that they have a copy of ) shows I paid {$850.00}. They have since acknowledged the mistake over the phone, but each time they send me " verification '' via mail, it says that they have sent me verification already and are not required to send me anything further. Copy of the lease and the balance I owe is attached.

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 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: RI

Complaint narrative:
I received a call back in XXXX of 2017 about a supposed debt collection from a gym that I used to belong to ( XXXX XXXX XXXX, No Contract ). The woman that I had spoke to was extremely rude and then threatened to destroy my credit if I did n't pay the bill. I did ask to get a letter stating that I owed them and wanted all of their information. She then refused and then stated that she had already sent me the information. It has been 4 months and now this is hitting my credit report, while I still have not received a single bit of paperwork stating who I even owe this money to! I have called them and told them to send me information, but they refuse to do so. They will not send me any information in regards to my " debt ''.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
A XXXX XXXX charge was fraudulently made against my credit card by an unknown third party and the merchandise was erroneously delivered to my address. I contacted XXXX XXXX in XX/XX/XXXX and was told that they would make arrangements for me to return the merchandise via XXXX and that someone would contact me. They provided me with case # XXXX. The next contact I received was a letter from the collection agency about which I am complaining. I contacted XXXX XXXX again and was told that they would not make arrangements for XXXX to return their merchandise to them and that I would have to return the merchandise to a XXXX XXXX store. I returned the merchandise on XX/XX/XXXX  to XXXX XXXX store # XXXX and was issued receipt # XXXX. I advised the collection agency of this and requested that my record be cleared. They responded by insisting this is a valid debt of mine and they refused to contact XXXX XXXX to confirm that the merchandise had been returned to them. I have subsequently sent them proof that this is not my debt and that XXXX XXXX considers this issue to be resolved. I then sent six additional requests to the collection agency, none of which have even been acknowledged by the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I have been with PNC mortgage company since XX/XX/XXXX. The property is located in a town were USPS is not available all correspondence needs to go to a P.O. BOX. The mortgage company failed to inform me that my property taxes went up. I make mortgage payments trough my bank never been late since XX/XX/XXXX, The say since taxes went up they received my payments in a suspense account, reported we were making no payments to credit bureaus and ruin my credit, initiate foreclosure procedures and decided with out my authorization to do a loan modification. I found out because I was trying to apply for a 15 year refinancing that they were reporting me late. I lost the opportunity to refinance because of them! I call them and they argue they attempted to call me for a year, for some reason they had my internet phone number ( I only use my cell phone number ), they say they sent mail to the physical address but We do not receive mail to physical address because there is no mail in this town only P.O. BOX, they do not have proof they stamp a notice in my door, they did not e mail. They fail to provide any proof that they attempted to contact me for this problem. I have correspondence from them to my p.o. box and e mail for other issues. I have been with PNC since XX/XX/XXXXor before, every time We call them they verify our information so there is no excuse for them to argue they can not find us, we have Same phone number at list 12 or more years, p.o. box, e mail since XX/XX/XXXX, nothing have changed, they did a refinancing in XX/XX/XXXXand they sure had our information then, around XX/XX/XXXX we call them because the payment was late 1 day and they did confirm the information then. I want them to return everything back to my original loan, they are trying to convince me to accept the modification I did not authorized, I ALREADY TOLD THEM NO, I am not willing to modify my loan, start again and pay all late fees, administrative fees and all other trash fees they are trying to add to my loan. The WORST is that they decide for me to modify my loan, started the trial period and dispose of my payments WITH OUT MY AUTHORIZATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
I am a XXXX XXXX, we have been trying to close on a transaction in Arizona and had to postpone it is costing my XXXX hassle and money had to cancel his work responsibilities 3 times being is XX/XX/XXXX weekend also his holiday vacations. We were told the loan was fully approved and it has not. Listing agent issued 2 cure notices we had to pay {$500.00} for the first extension {$500.00} for the second extension, Cure notice in Arizona is a 3-day process. Cure notice expires tomorrow my XXXX will loose his {$2000.00} escrow money. The deal stated to be a conventional loan 1 week before closing Lender persuaded my XXXX that it was better to switch to FHA his payment will be {$200.00} lower we will have to extend COE for just a week since we had everything was done, inspection, appraisal etc. Then underwriter needed the second appraisal since the home had been Rehab completely just 3 months before, another delay due to waiting for the new appraisal. My XXXX had to get storage for his new appliances that were supposed to be delivered Friday, XX/XX/XXXX.  pay extra for the landscaping delay since landscaper had already bought all materials and was ready to start the job. They have not cared what so ever about COE. And so hard to find the person in charge that could have help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2017 Amex forcefully closed my charge card account because they claimed they did not receive my financial documents and/or income tax return information they requested. I have full proof they did receive the documents via certified letters w/ signature. Despite receiving my financial documents they chose to close my charge account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis and Associates improperly reported a debt on my credit report to XXXX. I have never sent me an itemized bill for the debt they are claiming I owe XXXX XXXX, who is a former landlord of mine. In their correspondence they also never sent me information about what to do in order to dispute this debt. When I called on XXXX XXXX XXXX I requested an itemized bill and the contact information of the original debt holder, XXXX XXXX. They said they could not provide either. I insisted and they said it may take up to 2 months to get the itemized bill but that they most likely no longer have it. They said they were not authorized to give me XXXX XXXX ' contact information. Since there is not a record to verify the debt or amount and no way to contact the original debt holder it is improper that they reported this to a credit bureau. I wish to have the debt removed from my credit report immediately. <P/>XXXX indicates a negative account with XXXX XXXX XXXX It is listed as : Opened XXXX Last effective XXXX Reported XXXX High balance {$6600.00} Collection XXXX Balance {$9300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: Clarity Services
State: TX

Complaint narrative:
Clarity Services Inc, a financial reseller, made two separate unauthorized credit inquiries on X/XX/2017and again on X/XX/2017. I have never heard of this company and did not request/authorize an inquiry from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: CA

Complaint narrative:
1. From XX/XX/XXXX to XX/XX/XXXX, my card shows fraudulent charges. 2. The card is cancelled by Bank of America ( BoA ) and all the charges are reversed. 3. On XX/XX/XXXX and XX/XX/XXXX - BoA charges 50 and 250 dollars of these fraudulent charges back to me stating that their fraud department believes that these are genuine charges and not fraud charges. 4. I call them up on XX/XX/XXXXand argue that these are not transacted by me and BoA says that they will reopen the case and it will get resolved in 5-6 weeks. 5. I check my online account on XX/XX/XXXX, 9 weeks after my discussion with BoA consumer service and Fraud Department, the charges are still there and nothing has happened. I call the Fraud Department and they say that it takes 2 billing cycles since by request to resolve a case. First they say that it will be end of XX/XX/XXXX, but after I calculate the exact billing cycle end it turns out it will be XX/XX/XXXX. 6. Based on my discussion, I do n't think they will do anything.
7. This is a case of an ineffective fraud department.
8. I would like CFPB to help me resolve this.
<P/>
Thanks.
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 monetary relief
Consumer complaint received 2017-07-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted disputes on my credit report with Transunion, XXXX and XXXX on XX/XX/XXXX. I included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.

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