vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit reporting companies are reporting wrong information about a collection account with XXXX. Account number XXXX 120 Days Late XX/XX/2013 Opened {$0.00} High Balance {$0.00} They have wrong dates, wrong information being reported on my record and they have failed to provide me with EVIDENCE of debt to include document of claim, copy of unpaid bill or other evidence of payment violations. They are also reporting incorrect year on my credit reports.

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 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Recently I purchased a property and locked the loan through PNC Bank XXXX XXXX, XXXX XXXX ( Mortgage Loan Officer ) - NMLS ID : XXXX. I quoted the loan with XXXX XXXX on XX/XX/2018 and he promised it can be closed on XX/XX/XXXX. I thought it is perfect timing because my lease ending date is XX/XX/2018. However, it is a mistake to decide to work with XXXX and XXXX. Their irresponsible promise and carelessness service made me into very stressful situation and caused me a loss of {$960.00}. 

Starting XX/XX/XXXX I begin to submit materials requested. The loan processor I worked with is XXXX XXXX, NMLS # XXXX. For any materials he requested, I submitted to him promptly. He promised the close date is XX/XX/2018 until XX/XX/2018, he told me because the confirmation of my XXXX status, he could only submit he project review on XX/XX/2018 and my loan would be delayed to be closed on XX/XX/2018. 

At that time, I already give notice to the landlord which means I must move into the property on XX/XX/2018. 

However, I trusted him I can still move into the property though it is inconvenient to me. In addition, my parents is visiting me from XXXX and we planned to be on vacations during holidays. 

After that, he kept on telling me everything is on track and we would be close on time until XX/XX/XXXX, he disappeared. He responded the next day and told me the bank wouldnt close the loan and the bank would not be responsible for any expense of hotel. He kept on lying to me he could cancel the loan or the loan would be close on this date and that date. 

Because his dereliction of duty, I have to pay {$120.00} a day to live in hotel for a total of {$960.00}. 

The delay ruined my entire holiday plan. I canceled the trips to south California because the loan wouldnt be closed. I would not go with PNC if they have told me the timeline in the first place. I think the whole practice is against UDAAP. 

Besides, XXXX promised to provide the project review copy but he did not. He again lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit reporting companies are reporting wrong information about a collection account with XXXX. Account number XXXX 120 Days Late XX/XX/2013 Opened {$0.00} High Balance {$0.00} They have wrong dates, wrong information being reported on my record and they have failed to provide me with EVIDENCE of debt to include document of claim, copy of unpaid bill or other evidence of payment violations. They are also reporting incorrect year on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: NY

Complaint narrative:
transunion has failed to provide EVIDENCE of debt to include documents of claim, copy of unpaid bill or other evidence that with late payments. Dates are all wrong I never had late payments with XXXX XXXX 120 Days Late XX/XX/2013 Opened {$0.00} High Balance {$0.00} Balance

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 2019-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX issues three credit cards to me : XXXX  Mastercard ( a general use card ), and two store credit cards, XXXX XXXX XXXX and XXXX XXXX. 

I earned a rewards secret for accumulated points on the XXXX XXXX XXXX card. The company sent notification that the certificate was mailed on XX/XX/XXXX. I received a mailing, dated XX/XX/XXXX, but it only contained my statement. I contacted XXXX XXXX Customer Service via XXXX XXXX XXXX to ask whether the certificate was mailed separately/ whether I should have concern that it did not arrive with the statement. The company would not respond to my inquiry other than to advise that I wait at least six weeks before contacting them with any questions. 

After the required waiting period, I again contacted XXXX XXXX XXXX via the XXXX XXXX XXXX. This time, I was informed that XXXX XXXX would not respond to me unless I contacted them via snail mail. I later filed a complaint with XXXX  because XXXX continued with unresponsiveness. 

XXXX responded to XXXX of Central Ohio that they would indeed provide the requested information. XXXX closed the complaint but, XXXX again refused to respond to me. 

Instead, the bank retaliated against me by closing all of my accounts without notice. They then proceeded to report to the credit bureaus causing damage to my credit rating. They also falsified notes on my account in efforts to justify their illegal actions. XXXX recorded in error that I requested " Cease and Desist, " stating they could no longer contact me. 

I never requested a cease and desist. On a recorded call, a XXXX representative confirmed that she had no record of my request. I made requests for available credit to be made available. I made multiple attempts, including the XXXX claim, for contact from XXXX XXXX XXXX. So, it is illogical that the Bank would record notes that I asked them to cease contact. 

Further, the reward certificate issue was explicitly related to one store brand account. However ; XXXX closed my XXXX Mastercard and XXXX XXXX as well, without request, consent or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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 — Problem with personal statement of dispute
Company: Pacific Union Financial, LLC
State: NY

Complaint narrative:
I paid my mortgage on XX/XX/2018 via wire transfer guaranteed funds. My credit report is now showing 30 days late. Ive mever been late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WI

Complaint narrative:
To whom it may concern : Americollect has been a long term collection agency that holds several medical negative accounts on my credit report. They have issued a judgement that had been documented with the clerk of courts, however they wish to garnish my wages from a company entity that I do not work for. In addition, I have attempted to pay my lowest amount by providing payment as well as filing number. I wish to see confirmed invoices and amounts due to the original creditor ( XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, and XXXX   XXXX  XXXX XXXX ) being under investigation for inaccurate billing procedures and duplicate invoices. If americollect purchased said invocies from these original creditors I wish to have all unpaid or delinqant accounts formally verified and documented via written disclosure in case of further dispute efforts. I will copy this complaint and mail to americollect for communication purposes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid my mortgage on XX/XX/2018 via wire transfer guaranteed funds. My credit report is now showing 30 days late. Ive mever been late

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 2019-01-02 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: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2019-01-02 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: CORELOGIC INC
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished CORE LOGIC inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XX/XX/XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2019-01-02 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: OH

Complaint narrative:
Please substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

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 2019-01-02 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: OH

Complaint narrative:
Please substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX IXXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

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 2019-01-02 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: OH

Complaint narrative:
Please substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: TCF NATIONAL BANK
State: MN

Complaint narrative:
To Representative of CFPB : I am filing this complaint to request your help in getting restitution for one of my TCF accounts.

I have had my checking account with TCF for more than 20 years. My wife also has 2 checking accounts with TCF. We share one account. So we have three accounts all together.

All 3 accounts were opted in on the same day, we were both at the bank at that time.

She has received restitution for her individual account, and our joint account has received restitution.

I have not received any restitution for my individual account.

I called the TCF admistrators number on XXXX, XXXX XXXX XXXX XXXX and did not get any help to resolve this matter. 


This account had a lot more overdrafts than both of the other 2 accounts. 
Can a CFPB representative get back to me please. 


Q1. Can you help me get restitution for my checking account? 

Please let me know the answer to this question. 
Thank you in advance for your help. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I contacted Navient by phone in regards to my Income Driven Repayment Plan since I had received notification my payment would increase from {$0.00} to {$110.00}. I worked with XXXX who advised me to submit a Change Plan Request at Navient.com then to select the fifth option stating " income-driven repayment with the lowest monthly payment '' and that it would lower my payment to approximately {$75.00}. XXXX advised me that he would send me an email and that I would select : email -- > return applicant -- > change plan request -- > lowest monthly payment ; however once I reviewed the email I found it was not in this format. 

I then emailed Navient on their website and they emailed back on XX/XX/XXXX that I would submit the request on studentloans.gov and it was the " easiest and quickest way '' ; however again it was not explained how to submit for the lowest monthly IDR repayment plan. 

On XX/XX/XXXX at XXXX XXXX  I contacted Navient by phone again and spoke to XXXX. XXXX walked me through and advised me to go to : studentloans.gov -- > " Repayment & Consolidation '' -- > " Apply/Re-Certify/Change an Income-Driven Repayment Plan '' -- > " Switch my current plan to a new plan '' -- > " I am submitting documentation early to have my income-driven payment recalculated immediately ''. XXXX also advised me to go to Navient.com and select : " Inbox/Upload '' -- > " Repayment Plan '' -- > " The Income-drive repayment plan with the lowest monthly payment '' ; in regards to submit proof of income. XXXX emphasized just as XXXX had on XX/XX/XXXX that my payment would be approximately {$75.00}. However, on XX/XX/XXXX I received an email from Navient stating " we've approved your request for an Income-Driven Repayment plan '' with the unaltered monthly payment of {$110.00}.

Company response to consumer: Closed with explanation