vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MT

Complaint narrative:
On or about XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC making an allegation that I owed {$520.00} to the original creditor. " XXXX XXXX ''. PRA sates that they purchased the alleged debt from " XXXX  '' on XX/XX/XXXX. I've never heard of or from XXXX  in the past regarding this alleged debt and when I tried contacting them ( XXXX ) I spoke to one of their representatives ( didn't want to give me his name ) and informed me that they are no longer " XXXX  '' and that " many '' years ago they separated from " XXXX '' and now go by the name of " XXXX XXXX XXXX ''. I wrote a letter to PRA requesting validation of debt and the authorization they have to collect this alleged debt dated XX/XX/XXXX and as of todays date PRA has not provided me the information I requested. PRA is knowingly violating the FCRA & trying to collect an alleged debt that has passed the " statue of limitation '' in the state of Montana which is 8 years. PRA actions of not providing me the required validation of debt & trying to collect on an alleged debt that they know has passed the " statue of limitation '' bring into question the integrity of their business practice but unfortunately for them as a victim of identity theft I've become a well informed consumer and know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX my debit card and drivers license were stolen. I canceled my debit card and filed a police report about the situation. I also reported this to SunTrust customer service. On XX/XX/XXXX, someone went into the SunTrust branch in XXXX Florida and used the teller connect system. They used my lost ID and my canceled debit card to withdraw {$900.00} from my account. A fraud complaint was filed on XX/XX/XXXX. As of today, XX/XX/XXXX, Suntrust has not come to a resolution. Ive called the fraud department every day and no one will give me an update on the case or give me my stolen money back. Customer care refuses to tell me any 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 2020-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
My credit score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes Capital One, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CO

Complaint narrative:
My husband makes periodic charges on XXXX XXXX on behalf of my XXXXYO daughter. Because XXXX automatically keeps our credit card information on file, he has to take the extra step of removing our credit card after each purchase. If we could get a history of activity on XXXX, you would see that he does this every time he purchases something from XXXX XXXX on behalf of my daughter. XXXX keeps this information in their data files. On XX/XX/20, he authorized a charge on XXXX XXXX for {$19.00}. He removed the card before he handed the tablet back to her. 

Unbeknownst to him, XXXX kept the card on file and my daughter accidentally charged {$1500.00} in XXXX charges between XX/XX/20 - XX/XX/20. I learned of the charges on XX/XX/20 and contacted XXXX for a refund. They said it didn't qualify since our card was in their system. My husband is very careful about removing the card after each purchase and says it had been removed. 

In order to prove that he removed it, I asked XXXX for documentation concerning the account activity ( each click and command given ) for XX/XX/20 and I was told they could not provide that for me. This is the only way I can prove that my husband had removed the card so I have no recourse in getting these unauthorized charges refunded. 

As of this writing, our credit card company, Chase Bank, also won't refund us. They say that XXXX disputes our claim that these charges were unauthorized so they won't credit the charges either. Additionally, Chase Bank 's fraud services failed us in notifying us of international charges ( XXXX is based in XXXX ) as I had indicated on our alerts and the fact that a company was charging our card repeatedly -- XXXX charges in less than a few hours -- and didn't send me an alert or deny the charges based on suspicious activity. I feel as both XXXX and Chase are not offering the proper protection against the unauthorized charges that I've incurred. 

We have disabled all purchase capabilities on XXXX due to this issue. We did all that we knew to do to avoid unauthorized charges and yet, when it happened, XXXX won't refund us or provide the data needed to show that we removed the card. My complaint with Chase is that they didn't notify me when suspicious charges were occurring ( there was no alert I could sign up for when charges are repeatedly sent through in a short period of time ) and when I notified them on XX/XX/20 that the charges were not authorized, they failed to deny payment to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
this has been going on for way too long. i have filed many reports to the bureaus and have been in contact with the creditors. none of which resulted in anything getting done. there are falsely reported accounts on my credit from someone else and is really making my life inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NC

Complaint narrative:
XX/XX/20 XXXX Called pretending to be PNC bank asked account info - i did not give it because they asked for my billing address, but did know me name. i told them i wanted the number to call back bc i have dealt with recent fraud they gave me this ext. when i called back XXXX. 

said " before we get into the issue, what is yiour billing address. '' I called PNC for real and they said they would never ask for that info they would ask for name and then list recent charges. 

FRAUD. Last week had to cancel and reopen new account bc they did this to my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: IA

Complaint narrative:
I am the seller of a residential property. The buyers are financing with Broker Solutions Inc. dba New American Funding. The buyers sent me a statement of denial with the box checked " Inadequate Collateral and Unacceptable Property. '' The is no further explanation and upon my request to the lender they refuse to provide any further explanation. The lender provided this document with no proof or documentation and without ever viewing the property. The buyers are using this to break the purchase contract and obtain an earnest money refund. I believe the lender provided this document to help the buyers get out of their contract and in fact committed fraud. Let it also be know that the document was to be signed by XXXX XXXX the loan originator. However XXXX was on vacation when the document was signed. When reaching out to the lender I was connected to XXXX XXXX, XXXX XXXX manager who stated he was the one who actually signed his name above where XXXX XXXX 's name is printed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: NC

Complaint narrative:
XXXX  is reporting incorrectly a collection in the amount of {$8900.00} on the XXXX partial account number XXXX. Transunion is reporting incorrectly the XXXX partial account number XXXX. XXXX sold this account to XXXX. ( Please see page attached from my credit report. ) It is a violation of the Fair Credit Reporting Act to report this account twice. XXXX was the original creditor and this account needs to report a {$0.00} balance. This false reporting of the same collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the 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 2020-03-10 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:
have tried for four months ( by phone and by mail ) to have obsolete/outdated/inaccurate addresses removed from my credit report with transunion credit bureau they are : XXXX XXXX XXXX, XXXX XXXX, fl XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX, fl XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, fl XXXX without success, each time I am assured it will be done but each report still shows these addresses ; for prime example how could I have lived at XXXX XXXX XXXX, XXXX, fl XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 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: KS

Complaint narrative:
My credit score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes XXXX XXXX, XXXX, and 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 2020-03-10 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: KS

Complaint narrative:
My credit score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: KS

Complaint narrative:
My credit score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes XXXX XXXX, XXXX, and 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 2020-03-10 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: Nelnet, Inc.
State: MD

Complaint narrative:
On XX/XX/2016 the department of education wrote a letter to XXXX college of there finding and there accreditation was lost .A as of XX/XX/2016 the school was closed. Loans were placed in my name without my knowledge I was mislead about graduation rates, job placement, student refund checks were never issued. Individuals financial aid office clearly took advantage of me as well of other students here ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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:
Experian, XXXX  and XXXX  has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.

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 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
This company Medwest Recovery systems has since the beginning submitted false claims to all three credit agencys. Multiple times on weekly bases, that this account lbelongs to me. My problem is they submit this claim three or four times a day. With intension of driving my score lower and lower. To date they also call three are more time a day, finally to date I have know docments from this company at all. 
this is Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I have made repeated attempts with Macys Credit Card Services at having the balance removed from my account as all the purchase were made by a third-party. Macys Credit Card Services repeatedly told me that the balances would be removed and transferred over to the third party but to this day it has not. Numerous telephone calls were made with Macys Credit Card services, the third party and myself to rectify the matter to no avail. Third party acknowledged repeatedly that all charges were his and to remove them from my account and add to his. Macys Credit Card services stated that I had over paid my account by {$1600.00}.

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 2020-03-10 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: MD

Complaint narrative:
On XX/XX/2016 the department of education wrote a letter to XXXX XXXX of there finding and there accreditation was lost .A as of XX/XX/2016 the school was closed. Loans were placed in my name without my knowledge I was mislead about graduation rates, job placement, student refund checks were never issued. Individuals financial aid office clearly took advantage of me as well of other students here ...

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 2020-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I closed on my FHA home purchase XX/XX/XXXX and was notified yesterday that my loan still has not been insured and was not given a reason why. The only reason I was notified by phone is because I am trying to refinance with an FHA streamline, I closed 9 months ago is this common and why I am making FHA XXXXnsurance payments if my loan is not insured? 

I was also told if corrected I would have to wait 6 months to refin missing the opportunity to refin a todays low rates. I do not think that is fair its not my fault of whatever underwriting issue happen that I should miss out and making my mortgage payment even more affordable. When I login to check status of my FHA streamline loan it says initial processing, it has been in that status since XX/XX/XXXX. 

I want to know what would be my next steps and is there any recourse I can take.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I ordered a round of drinks and started a tab with XXXX, XXXX and was charged a {$300.00} tip on a tab of {$190.00}, I never authorized this tip nor was I aware until it showed on my card statement. I have attempted to resolve with USAA and the merchant to no success. the credit card receipt shown to me in the dispute has a forged signature and is not mine. I stated this to USAA 's fraud department and they said they're not handwriting experts and the charge is valid. THIS WAS NEVER AUTHORIZED TO BE CHARGED AND WAS FORGED ONTO A RECEIPT! I have even pointed out that the receipts are forged and I was not given any copy. The merchant recognized verbally that the waitress had been fired and offered to give me a free bottle of alcohol. I stated I wanted my money back and this was not acceptable. I updated USAA on this and they didn't seem to care or want to do anything! They continue to say the charge is valid and made me pay it. THIS IS ILEGAL AND UNACCEPTABLE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have repeatedly attempted to have these hard inquiries removed ; there is no actual signature or proof of identity such as drivers license, they are not attached to an active/open credit account or firm offer of credit and are listed as unspecified, XXXX XXXX XXXX  ( XX/XX/XXXX ) ; XXXX XXXX ( XX/XX/XXXX ) ; XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) ; XXXX/XXXX  ( XX/XX/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 2020-03-10 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: NY

Complaint narrative:
I have an item on my credit reports from a company called XXXX XXXX XXXX. 
It is a collections account on behalf of the XXXX XXXX XXXXXXXX Fire Department. 
It is a medical bill for XXXX XXXX and XXXX  to the hospital for a XXXX XXXX   on XX/XX/XXXX. 
The account is on my report as being opened on XX/XX/XXXX. 
All 3 CRA 's agreed to a settlement with the CFPB and the NYAG which implemented a system wherein medical debt that was reported to the CRA 's with a delinquent date less than 180 days from the date of the report would be excluded from a consumer 's credit file. 

( It should be noted that I never received a copy of the original bill in the mail even though the paramedic and hospital that took my information was provided with my PO BOX . ) First, there was no due date on the bill received from the XXXXXXXX XXXX XXXX, so to my knowledge there is no date of initial delinquency. 

Second, assuming that the XXXXXXXX XXXX  XXXX considers the date of service to be the initial date of delinquency, then the first date that this item could have been reported to the CRA 's would have been XX/XX/XXXX. ( It is safe to assume that the date of service is NOT the same as the date of the first delinquency. ) This item should be removed from my credit files at all three CRA 's because it is for medical debt which was sent to collections and reported to my credit file less than 180 days from the date of first delinquency and because there could have BEEN no delinquency considering the initial bill has no due date for payment or even a request to pay immediately. 

I have included both a copy of the current CDIA guidelines which show at the bottom of page 2 the current standard by which medical debt should be excluded : The CRAs will no longer include medical debts identified and furnished by collection agencies when the date of the first delinquency is less than 180 days before the day the account was reported to the CRAs. 


I have also included a copy of the bill that I finally received after disputing the account with 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 non-monetary relief