vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX $ bull city financial solutions XXXX $ cmre financial services XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XX/XX/2018, I contacted PNC Bank, who holds my XXXX XXXX car loan, and discussed with them, the need for a payment plan and term extension, explaining that I had a recent downturn in income and would need that in order to be able to resume payments on the car. I contacted them via phone approximately 12 times trying to work out the program, and kept getting different information, no responses, or simply had to start over because someone didn't take notes, or there were deleted notes from previous conversations, or I was transferred to different departments, or was given wrong information, hardship letters misplaced, etc. Finally, XX/XX/XXXX, I was able to get the issue situated. Since so much time had passed going back and forth with different PNC people, my account became delinquent. In early XXXX they made a derogatory report to my credit which decreased my score 60 points for being 40 days past due. It took much longer than 40 days to work through this process with PNC to no fault of my own. I would like for them to acknowledge the reason this delinquency existed was because they took so long working it out, and remove/retract the negative credit submission. 

The payment was for {$450.00} PNC Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX or PNC Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchronydoesnotsendanynotificationsaboutpaymentduedates.Alsowhenloggingin,yourpaymentduedatewillnothaveanyalertwhatsoeverthatitislate.Iwaschargedalatepaymentthatwasdueintheamountof&{$22.00}.

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 monetary relief
Consumer complaint received 2019-04-03 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: ME

Complaint narrative:
Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter and to add on that they are at fault when it comes to reporting these matters. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
1.Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX 2. Account Name : XXXX XXXX XXXX XXXX   Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I went online to XXXX to submit an early bird check-in, and was not aware this was a non-refundable charge. I selected this early bird check-in a total of 9 times, and was charged {$20.00} XXXX - {$25.00} for each, on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I contacted SouthWest to request a refund once I saw these charges, and was advised it was nonrefundable. 

I am requesting the charges for my early bird cancellations be reimbursed in the amount of {$250.00} to my account, as I feel the nonrefundable disclosure is deceptive and hidden. I have never been charged for changing my flights, or any other changes or cancellation and feel this is a unfair practice. 

If these charges are nonrefundable the disclosure should be visible on the the first page and in bold print, so there is no confusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have a XXXX XXXX XXXX ending in XXXX They restricted this card so I couldn't use it almost 3 years ago. I have requested they close it multiple times because they keep charging me a fee every year ... yet they don't let me use it. 

They recently charged a fee and my account is late now for a fee THEY charged on a card I cant use and that I thought was closed the LAST TIME i had the pay the fee. 

I contacted my attorney and he said they are in violation of the Fair Debt Collection Practices Act and the FCRA. 
I called them yet again about my account and they claim they will not fix it. 
-- HOW CAN IT BE LEGAL FOR THEM TO FORCE ME TO PAY THEIR FEE ON A CARD I HAVE REQUESTED TO CLOSE AND THEY WONT LET ME USE??? 
THIS IS AGAINST THE LAW AND I DEMAND THEY REMOVE ALL THE FEES FROM MY ACCOUNT AND THE LATES FROM MY CREDIT AND CLOSE THIS ACCOUNT!!!!!! 

I need this fixed as this is affecting my financing specifically and that is another violation which I am prepared to take legal action.The late on my credit needs to be removed today.

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 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have a XXXX XXXX XXXX ending in XXXX They restricted this card so I couldn't use it almost 3 years ago. I have requested they close it multiple times because they keep charging me a fee every year ... yet they don't let me use it. 

They recently charged a fee and my account is late now for a fee THEY charged on a card I cant use and that I thought was closed the LAST TIME i had the pay the fee. 

I contacted my attorney and he said they are in violation of the Fair Debt Collection Practices Act and the FCRA. 
I called them yet again about my account and they claim they will not fix it. 
-- HOW CAN IT BE LEGAL FOR THEM TO FORCE ME TO PAY THEIR FEE ON A CARD I HAVE REQUESTED TO CLOSE AND THEY WONT LET ME USE??? 
THIS IS AGAINST THE LAW AND I DEMAND THEY REMOVE ALL THE FEES FROM MY ACCOUNT AND THE LATES FROM MY CREDIT AND CLOSE THIS ACCOUNT!!!!!! 

I need this fixed as this is affecting my financing specifically and that is another violation which I am prepared to take legal action.The late on my credit needs to be removed today.

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 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I'm in the middle of refinancing the Mortgage. The new lender looked up the title on the home and said that there's a property tax payment due in the next few weeks on the Title and they want to see a proof of payment.

The current mortgage company ( Nationstar Mortgage LLC, d/b/a Mr. Cooper ) claims that they can not make an early payment and they plan on making the tax payment two weeks prior to the due date, which could fall under the 30-day rate lock period.

I've requested them to at least confirm in writing that they can't make an early payment but they refused to do so over the phone and asked me to send an email to their Research team. But I have limited time before which the rate lock expires and they are refusing to issue me a quick letter confirming their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE DISPUTED THE CREDIT BUREAUS ON SEVERAL OCCASIONS ABOUT THE INACCURATE REPORTING ON MY CREDIT REPORT. I HAVE to ASK THEM TO REMOVE PERSONAL ADDRESS AND ACCOUNTS THAT WERE CLOSED SHOWING A BALANCE WITH HIGH USAGE AND THE ACCOUNT IS CLOSED. XXXX XXXX BANK SHOWING USAGE XXXX PERCENT ON A CLOSED. I HAVE REACH OUT TO THEM IN XXXX. I HAVE NOT GOTTEN THE RESOLVE THANKS

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 2019-04-03 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: FL

Complaint narrative:
I HAVE DISPUTED THE CREDIT BUREAUS ON SEVERAL OCCASIONS ABOUT THE INACCURATE REPORTING ON MY CREDIT REPORT. I HAVE to ASK THEM TO REMOVE PERSONAL ADDRESS AND ACCOUNTS THAT WERE CLOSED SHOWING A BALANCE WITH HIGH USAGE AND THE ACCOUNT IS CLOSED. XXXX XXXX XXXX SHOWING USAGE XXXX PERCENT ON A CLOSED. I HAVE REACH OUT TO THEM IN XXXX. I HAVE NOT GOTTEN THE RESOLVE THANKS

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 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX filed a petition ( law suit ) in the XXXX XXXX Texas county court, claiming I owed a debt to " Citibank ''. I was made aware of the suit by a mailed advertisement from an attorney. 

XX/XX/XXXX I filed an answer with the court, explaining that the debt wasn't mine. 

XX/XX/XXXX A " convenient '' 30+ days after the original complaint was filed, I was served the complaint. 

XX/XX/XXXX XXXX XXXX XXXX filed a Motion for Default Judgement, on the false grounds that I did not answer the petition. 

XXXX XXXX XXXX is running an obvious 3-step scam : 1. quietly file a lawsuit, 2. wait 30+ days to serve defendant 3. file for default judgement because defendant has not answered within 30 days.

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 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
ABILITY RECOVERY SERVI XXXX I asked them to validate the debt. They told me they can not, they do not have my signature, and there is no contractual agreement for me to pay. And they want to get paid.

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 2019-04-03 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: ME

Complaint narrative:
Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter and to add on that they are at fault when it comes to reporting these matters. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
1.Account Name : XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX 2. Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : 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 2019-04-03 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: ME

Complaint narrative:
Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter and to add on that they are at fault when it comes to reporting these matters. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
1.Account Name : XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX 2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : 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 2019-04-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACCESS GROUP INC.
State: IL

Complaint narrative:
I received a letter from XXXX XXXX XXXX dated XX/XX/2019 concerning a balance owing with Access Group Inc . 

This debt was previously placed with XXXX and I never received any notification that XXXX is no longer servicing the account. I have tried to reach out to XXXX and they are no longer taking calls. 

On XX/XX/2019 I spoke with XXXX XXXX with XXXX and after all disclosures I told him that I wanted to start making payments but would need some written documentation confirming that they are in fact the servicer of the loan, that the account is no longer placed with XXXX and that XXXX XXXX has given them permission to service the loan. 

My request was met with significant pushback from Mr. XXXX. He told me that the letter I received - the Dunning letter - was verification enough and that I should call Access Group. I explained to him that I am well aware of my rights and I am entitled to have this debt verified and have proof that they have authority to service this debt. XXXX started to interrupt me as I was talking and told me that he is in the position to know far more about what his job is than me. I told him that I don't appreciate his tone or that he is being argumentative with is request and asked to speak with his manager. I was told that that the manager - XXXX XXXX is unavailable. 

My complaint is two fold, the abusive and argumentative nature of Mr. XXXX is unacceptable. I have a debt, but I am still human and should be treated as such. Second, receiving push back for requesting proof that XXXX has authority to service the debt from Access Group is in direct  violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have reached out to the department of education regarding the student loans for XXXX XXXX XXXX college with no help. I did inform them that the student loans were paid in full and was advised that they were not. i did reach out to XXXX XXXX Executive Director of Financial Assistance Services who also confirmed the loan were paid in full. 
I did receive the documentation that the loans and there are four of them are paid in full as well per Navient credit finance corp. these student loans for for the period of XX/XX/XXXX XXXX. I have tried to reach out to the umbootmans office however they advised they once they have an electronic signature they can put that signature on any document they want to and that proves i owe whether i do or not does not matter. I did ask for the call to be escalated and i never heard nothing back. I have also contacted the IRS since it was the XXXX taxes that was taken which should not have been. This issue is not resolved and i have attached proof the loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have contacted both XXXX XXXX and XXXX XXXX about credit inquiries which I did not initiate. 
Both companies assured me they would correct these inaccuracies. in reviewing my credit reports with XXXX amd Eqifax none of the companies involved have done so. 
XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have NOT applied for credit for over two years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have contacted both Chase Bank and XXXX XXXX about credit inquiries which I did not initiate. 
Both companies assured me they would correct these inaccuracies. in reviewing my credit reports with XXXX amd XXXX none of the companies involved have done so. 
XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX I have NOT applied for credit for over two years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On Wednesday, XX/XX/2019, at approximately XXXX XXXX EST, my brother XXXX XXXX called customer service to make a payment toward my XXXX Mastercard credit card account, I requested he only make the minimum payment of {$27.00}. XXXX spoke with a customer service representative by the name of XXXX, unfortunately XXXX not only confirmed the minimum payment due amount of {$2.00}, she also chose to provide my brother whom IS NOT an authorized user on my card with ; my total account balance and confirmed that my account is an interest baring account. None of this information should have been given to my brother, ONLY a proactive payment should have been accepted by this representative.

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 2019-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I opened an account with chase bank on XXXX and used a code for XXXX bonus. I called to follow up on XX/XX/XXXX about the terms and was told everything was on the account and once I made XXXX direct deposit the bonus would be paid out in 10 days. As of XXXX I had made the required deposits and was told my account never had the coupon code applied and it was past the 21 days to do so, so no bonus would be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GU

Complaint narrative:
Every time I apply for A United Airlines sky miles credit card, chase declines my application claiming I was bankrupt and a plethora of other false adverse accusations of more than 7 years ago. I have not filed bankruptcy and my credit payment history is near perfect. I was also a victim of an identity theft where the culprits were prosecuted and incarcerated. The damage from that identity theft appears on my XXXX   credit report. Chase was given copies of the court documents and continues to discriminate against me by declining my credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 to 60 days past due on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation