vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-09 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: TX

Complaint narrative:
I have disputed the following accounts/Companies on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX The reason I disputed these accounts on my credit report because it is incorrect and has inaccurate information and some accounts are even in violation. 
I initially contacted XXXX, XXXX, Equifax on XX/XX/2019 and they sent me a letter saying the results are verified which is incorrect. 
I again reached out to XXXX, XXXX, and Equifax on XX/XX/2019 asking for ( method of varication, The name of the original creditor, The creditors address and telephone number, The persons name you verified the dispute with, The documentation used to verify the dispute, The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
Since XX/XX/XXXX, my mortgage lender, aimloan.com, has been requiring monthly contributions to my tax escrow account that are almost twice as large as necessary. When my mortgage payments started in XX/XX/XXXX, they were collecting $XXXX   per month, which was more than sufficient to pay my property taxes for the XX/XX/XXXX tax year. After paying the first installment in XX/XX/XXXX, there was a balance of $XXXX in the accout. After paying the XX/XX/XXXX installment, there was $XXXX left in the account.

In XX/XX/XXXX, aimloan.com more than doubled my required contribution to the tax escrow account even though annual tax increases on my property are limited to about 1% (due to California Proposition 13). I pointed this out to them at the time, but since I did not have the bill for new tax year, I was ignored.

Now I have received the new tax bill and aimloan.com has made the November tax payment leaving a balance of $XXXX in the escrow account, which is $XXXX more than is necessary to make the XX/XX/XXXX tax payment. This overage is more than 1/6 of my total tax bill ($XXXX) which I believe is the maximum amount allowed by RESPA. Yet aimloan.com has refused to return the excess or lower my required monthly escrow payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
Debt collection agency called Financial Services has been contacting my boyfriend about my debt instead of calling my phone number.  They've given him information about me such as the doctor the bill is for and the amount I owe.

I also tried to contact them to resolve the debt by offering to make monthly payments via autodraft from my checking account and they refused the payment, saying it was not enough per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 3 months. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 10 months. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! Their claim is Hearsay according to law so I don't understand how they get away with putting this on my credit ... No proof. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$4700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 30 60 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my account. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
First of all, we had a loan with another company that sold the loan to LoanCare. 
They did that on XX/XX/XXXX. They tell me after requesting them to relinquish the escrow that with LoanCare loan # XXXX, you have to have your loan with them for 2 years before they could do that. I think that is their own rules. 
We have paid for many homes over 29 years of marriage and we have paid our own taxes and insurance on all but of our very first home when we were not as well off as we are now. 
The reason I wanted them to stop the escrow account is that they were late paying our taxes and we are never late on payment anywhere and we do everything to keep our credit score over 800. 
I don't need a Loan servicer messing that up. 
Anyway, I called 2 times this year and both calls were ignored, no call backs, no letters, no explanation and both of those times were put on extended holds. 
Today, XX/XX/XXXX I called again and was put on hold to talk to a " manager '', waited for 30 minutes. Well now they tell me that they can't just relinquish their requirements to pay out the taxes and insurance. Also, this has to be investigated and researched and I must call back on the 16th for an answer, and they will not call me back about this. Of which, I will have to go through the same 30 minute wait time. 
I am tired of their " very poor service and runaround. '' What can I do? I don't have written documents, they were sent in on their email contact which I don't get a copy of. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX 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 2019-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 30 60 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my account. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-12-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I recently sold my home and closed my mortgage account with Ditech. I have been waiting since XXXX for my refund escrow check. It has been reissued to me about 4 times now. Every time i call, they either say I have to wait 30 days, don't have a record of a recent request, or refuse to transfer me to a supervisor because they are " all busy ''. They put me on hold for long periods of time, and only when i speak again they say they figured it out. It seems like they legitimately put me on hold for as long as I will allow. 

This last time I called, end of XXXX, they " reissued '' my check, said it would be here by XX/XX/XXXX. I called again around beginning of XXXX/last day of XXXX, and a new rep said I would receive it by XX/XX/XXXX. I called TODAY, the XXXX, to make sure it was sent out, and the rep said I never requested a new check, the last time was XX/XX/XXXX and they never put a stop payment and there is no other history of my call. 

I'm getting really annoyed and very frustrated as i keep running in circles and it's a decent amount of money that I would like back. 
Half the time, it is ( and sorry ) a foreign person who doesn't speak English well, and keeps trying to FAX or EMAIL me refund check, which, lol, you can not deposit an email. 

This call currently is running 40 minutes and counting and I still can not get through to a super or anyone higher. The rep puts me on hold to look for someone, until i start saying " hello? '' and then says sorry, everyone is busy, i can email the supervisor though and no, you can not be copied on the email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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:
This account doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello The problem is that vendor sent me return info, after Visa discussed it with them, and then they sent me two different addresses { copy provided in docs }, i was not able to figure out which address to use, so I sent them an email so that they could tell me which place was the appropriate address. 

I have included all the documents that I thinks reflects that I have earnestly tried to find out what address I should send this product back too, a clarification on their part could have easily resolved this matter, by updating a correct address. It is hard for me to guess where I should send the product too All docs have been provided to Visa, I also sent a letter recently to the Maryland Attorney General Consumer Affairs, and they have advised me to contact you folks. Copy of letter provided below. 

In Conclusion, we believe that Chase did not follow up with us nor take our problem serious, in order to see that we have tried to follow up for months on end, and get nothing about a run around from the Vendor and then even from Chase themselves, it was like our documented case was nothing of value to them, but we work hard to get the money to have purchased this item, which we had properly asked to return. 

thanks from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
I called TCF bank on XX/XX/XXXX at XXXX MST and they refused to close my account because they felt my reason for closing it wasn't valid. That's not their responsibility and they need to close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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:
This account doesn't belong to me

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 2019-12-09 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:
This account doesn't belong to me

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 2019-12-09 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: TX

Complaint narrative:
I have sent numerous of letters, the dates XX/XX/2019 with tracking number XXXX, disputing an account with Equifax, original creditor being XXXX XXXX. Equifax has failed to provide me with any physical verification of any such account ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
did not submit a properly the money transfer to a credit card. 
does not have the wire transfer amount ready. from the california lottery. 
XXXX union bank of california XXXX, calif. XXXX www.usa.gov

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 2019-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
XXXX XX/XX/XXXX I first opened a business account with PNC in XXXX. My business is a typical retail brick and mortar store. In XXXX, I also moved my merchant account to PNC. In XXXX of XXXX, I received notice that PNC would close my business checking account due to high-risk activity. As a small part of the business, I had been doing a small amount of money transfer services since XXXX. Never was I told that this was not allowed or that it would cause any problem with my business account. But rather than giving me a chance to remedy the problem, PNC unilaterally closed my account. As of XXXX of XXXX, I stopped offering money transfer services at my business. At that time, I was concerned about the merchant account, which is a separate account with PNC that allows us to accept credit cards as payment, so I called specifically to ask about this. I asked if this would affect my merchant account. I was told that it would not, and that I could keep the merchant account. I would only have to change the bank that accepts the deposits. So I did just that. Six months later, PNC closed my merchant account, WITHOUT NOTICE OR WARNING! This cost me several thousand dollars in potential sales, plus about {$800.00} to set up a new service with short notice. Furthermore, they refused to process {$230.00} worth of sales with had gone through before I was cut off. 

When I inquired as to why the account was closed, I was told that PNC requested that it be closed ( apparently because they had closed the other account six months earlier ). No real reason was given, and I had never used the merchant account for activities related to money transfer services, nor had I ever had a charge back or other violation of the terms of the contract. 

The contract I signed is three year agreement. After checking it, I found nothing that allows PNC to close my account just because PNC had closed an unrelated account several months prior. 

In my view this is breach of contract. Their blatant disregard for customers nearly put me out of business after eight years of hard work and sacrifice. Words can not express how deeply offended I am and their underhanded and unethical business practices. They do no deserve to be in business at all. If I treated my customers like that, I would not have any customers. 

I believe PNC should compensate me for their indiscretion, as well as compensate me for lost sales, the charges that were not processed, and the cost of setting up a new services. I seek {$15000.00} in damages. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-09 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: CA

Complaint narrative:
XXXX formerly XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt and have been reporting it on my credit reports. For the past 4 months, I have been requesting documents to support their claim. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! I don't understand how they get away with putting this on my credit ... No proof. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$9700.00}.

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 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-09 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2019-12-09 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/2019 A credit card in my name was opened using my personal information. I do not own this card and did not request this card.

Company response to consumer: Closed with explanation