vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-04 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: ND

Complaint narrative:
I received a notice of investigation results from XXXX on XX/XX/2018 stating that the erroneous reporting account numbered XXXX from XXXX XXXX XXXX has been verified as accurate. I have been fighting this problem with erroneous reporting with XXXX since XX/XX/2018. In the enclosed docs, you will find a report from the XXXX website indicating an investigation had been completed on XX/XX/2018 on account numbered XXXX, and more specifically, the account being reported as having 10 missed payments. This account was opened on XX/XX/2018 and closed on XX/XX/2018 and the Highest Balance reported was {$35000.00}. As you can see under the title Dispute Reasons, XXXX states that the payment history/rating is incorrect and the creditor agreed to delete this account. Now on XX/XX/2018, the account is still erroneously reporting on my credit report. You will also find in the enclosed docs that XXXX has deleted this account from my credit report because they couldn't accurately verify this account. I demand that XXXX  and Experian also delete this erroneously reported account from my credit report due to defamation of character and negligent enablement of inaccurate reporting.

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 2018-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
My insurance company XXXX XXXX failed to pay an emergency room doctors fee because of a clear misread of my medical coverage. After spending many months trying to resolve the issue with the insurance company and the medical biller, the outstanding bill was sent to XXXX for collection. On XX/XX/2018, XXXX  Account XXXX XXXX stated that the unpaid debt would be reported to credit agencies if not paid in full. XXXX was contacted by XXXX XXXX on XX/XX/2018 ( two days later ) to let them know the account/bill was covered and was going to be paid by UHC and not to pursue the matter any further. The XXXX representative who XXXX spoke to was named XXXX. On XX/XX/2018, XXXX sent XXXX a Explanations of Benefits document showing that the bill was in fact paid in full. On XX/XX/2018, XXXX reported the unpaid debt to XXXX  and XXXX. An XXXX representative stated that they are not responsible for correcting the reporting to the credit agencies. This uncollected debt now appears on my credit report. This is a clear violation of the FDCPA.

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 2018-12-04 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: ID

Complaint narrative:
there is no sufficient information to support Equifax 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from 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  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I spent about an hour on the phone with Equifax trying to clear a fraudulent issue. Though I gave them complete and accurate answers, they said they can not verifiy who I am. I asked to speak with a supervisor and was transferred to XXXX, Employee number XXXX. He would not transfer me to his supervisor, saying he doesnt have one. Additionally, I asked to speak to someone in their XXXX, GA office for two reasons. First, I have a hard time understanding their representatives that dont speak English as their first language. Second, I needed to speak to someone concerning the fraud issue. He would not give me a number in the United States, or transfer me to their corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. 

XXXX XXXX/XXXX  account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. 

See exhibits.

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. 

XXXX XXXX/XXXX  account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. 

See exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I called first citizens bank to ask about fees of receiving a domestic wire. At that time, I was told that the fee would be XXXX for such a transaction. 

Therefore, two weeks later, I transferred funds from my brokerage account to my checking account through wire transfer. However, I was charged a {$16.00} fee. I tried to resolve the problem with the representative over the phone, and a supervisor told me she will listen to the phone recording within 48 hours and return me the fees if the representative did give me such information. Two days have passed and I still did not receive any feedback, so I called the bank again asking for update, but the supervisor was not available and the representative says she could not see any further information. 

Today, I was notified by the bank that they closed my account because I moved large amount of money too often with my business account. But as I am running an asset management company, it is very understandable to be moving money among different stock brokers through my bank account, and the type of business has been disclosed to the bank when I opened the account. The amount I transferred is roughly $ XXXX, which is tiny in the asset management industry managing millions or billions of dollars, so the reason does not really make any sense. I suspect it is because the bank knows the representative told me wrong information and punish me for normal business move. Meanwhile, still no one has reached out to me regarding the fees that the bank charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Recovery Solutions, LLC
State: TX

Complaint narrative:
I was called at my workplace and my cell phone numerous times by National Recovery Solutions. They told me I co signed on this private student loan that was now in default because the primary person who took the loan did not pay. They told me this would negatively affect my credit because I was the co signer. They offered a settlement which I could not pay. We agreed to {$50.00} bi weekly ( $ 100 monthly ) to pay down this amount owed which I have been paying since XX/XX/XXXX. 
On XX/XX/XXXX I asked for verification on how much I have since paid and how much was left on the balance. On the XX/XX/XXXX, I asked them to send me proof I was the co signer which I do not believe at this point I am. The woman on the phone agreed to send. I then called back asking to cancel the ACH payments in the meantime until I had received the proof I was the co signer. They then told me I could not get the proof I was the co signer if I cancelled the payments. 
I would like either proof I am the co signer on this account or the {$2600.00} back that I have paid on this debt that was not mine due to the misrepresentation of this debt collector agency. 

I am attaching the letter sent to me that shows the original consumer 's name and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: PNC Bank N.A.
State: IN

Complaint narrative:
Hello and greetings : I am a customer with PNC bank. in XX/XX/XXXX/XX/XX/XXXX I experienced difficulty and was advised by PNC to stop paying loans and seek refinance and program assistance. I did so and was repeatedly threatened with foreclosure and refinance options simultaneously. During which time, PNC was bought out and merged with another company. < so I was informed > I made a lump sum agreement IN WRITING with PNC and paid all amounts due and late fees to date. I then began paying monthly payments and have continued to make monthly payments etc. No statements arrived soon after re-doing all the paper with PNC and I went to teller at local branch < name withheld but on file > was given an amount which I paid with receipt. I have all accrued receipts and paper on file. When I applied fo credit and was denied due to PNC reporting me late on XXXX payment etc I began to contact PNC. They sent me a very large paper file aprox 2000 pages and informed me it was my job to now prove they apportioned the payments correctly. I approached the teller and informed her of what had occurred and the PNC headquarters told her to inform me that she has no authority and not to discuss matters with me concerning my account. I was very distraught and experienced hardship due to the erroneous inaccurate reporting. All this stated, I wish to have an investigation into my 3 PNC accounts reported on my credit file. I am not late in XXXX nor after the written accord between PNC collections and myself. 
I will begin to compile all of the monthly payment made at the local branch. accepted and cashed at the local branch as well the lump sums that were paid to PNC with all late fees paid as well. 
My thoughts is that PNC should not be reporting me late and should be practicing due diligence pertaining to me account and PNC XXXXredit reporting ... My question for this bureau is what do I do from this  point to follow up and interact to provide you with specific details and paperwork showing I should not have been adversely reported against and how to resolve all of this so that I can get settled and not be bullied by PNC and the whale verse small fish tactics??? 
Thank you for your time and efforts. Please, just let me know exactly what you want me to provide and I will get it sent to you promptly. I have paid my bills and expect PNC to reflect my timely payments and credit worthiness. PNC has cost me enough duress and loss of enjoyments ; now my intention is to communicate to PNC that it is their job to be reputable and due diligent toward customer service and especially unscrupulous credit reporting ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I financed a car through Chase Auto. I was making my payments on time every month for two years. I had a financial hardship in XX/XX/2018 due to a loss of employment. Chase would not work with me to lower my payments. They repossessed my vehicle. My last payment was in XX/XX/2018. However Chase is reporting it as open and a late payment every month after they have charged it off. Now Chase just added XXXX to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I purchase a vehicle from XXXX  XXXX. About two weeks later I returned the vehicle back for over heating issues. I was given a loaner car for about 3 months until the issue were fixed. After receiving my vehicle back about year and some months later the heating issue started back up. After taking it to the shop to get it fixed the issue was never resolved by XXXX XXXX. XXXX XXXX sealed the part that was causing the issue. After I was given notice what was done and why the issue kept causing problems the vehicle broke down. The vehicle was going in and out the shop to fix the problem. I contacted America credit acceptance to do a voluntary surrender and was denied the service. So, I stop payment for them to repo the vehicle so I can do a settlement because I no longer want the vehicle because of the issue I was having. XX/XX/XXXX the vehicle was finally repossessed. In XX/XX/XXXX I contact American credit acceptance to see what was my final debt after the vehicle were sold and to settle my debt. I was told I can settle it by paying whatever I want so I declined the option and told them to mail me a settlement option so I can clear my debt. I was never any option to settle the debt. On XX/XX/XXXX I  noticed the account was higher than usual so begin Disputing it. The balance at that time was now at XXXX. I have filed complaints against them with XXXX that the balance keep changing. After receiving a follow up by XXXX it was brought to my attention the account is still open. My rights has been violated by false reporting to account that supposed to be closed after the vehicle were sold in auction but instead the account remains open and occurring interests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: College Loan Corporation
State: TX

Complaint narrative:
I was called at my workplace and my cell phone numerous times by XXXX XXXX XXXX. They told me I co signed on this private student loan that was now in default because the primary person who took the loan did not pay. They told me this would negatively affect my credit because I was the co signer. They offered a settlement which I could not pay. We agreed to {$50.00} bi weekly ( $ 100 monthly ) to pay down this amount owed which I have been paying since XX/XX/XXXX. 
On XX/XX/XXXX I asked for verification on how much I have since paid and how much was left on the balance. On the XXXX, I asked them to send me proof I was the co signer which I do not believe at this point I am. The woman on the phone agreed to send. I then called back asking to cancel the ACH payments in the meantime until I had received the proof I was the co signer. They then told me I could not get the proof I was the co signer if I cancelled the payments. 
I would like either proof I am the co signer on this account or the {$2600.00} back that I have paid on this debt that was not mine due to the misrepresentation of this debt collector agency. 

I am attaching the letter sent to me that shows the original consumer 's name and not mine.

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I spent about an hour on the phone with XXXX  trying to clear a fraudulent issue. Though I gave them complete and accurate answers, they said they can not verifiy who I am. I asked to speak with a supervisor and was transferred to XXXX, Employee number XXXX. He would not transfer me to his supervisor, saying he doesnt have one. Additionally, I asked to speak to someone in their XXXX, GA office for two reasons. First, I have a hard time understanding their representatives that dont speak English as their first language. Second, I needed to speak to someone concerning the fraud issue. He would not give me a number in the United States, or transfer me to their corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
My loan was in foreclosure. I sold the house for more than I owed on the mortgage so my attorney obtained a payoff statement that was good through XX/XX/XXXX. We closed on the XX/XX/XXXX. My attorned wired the full payoff amount of {$400000.00} on XX/XX/XXXX. On XX/XX/XXXX the buyer paid the school taxes. Rushmore also paid the school taxes on XX/XX/XXXX. At that point we were told by XXXX XXXX of Rushmore that I would be charged interest on the original amount of the loan until the money was returned to them from the Tax Collector. This process took a few weeks and we were notified in XX/XX/XXXX that we owed an additional {$2300.00} in interest. My attorney sent this money on XX/XX/XXXX via XXXX and it was verified that they received it on XX/XX/XXXX. Rushmore still has not recorded a discharge with the County Clerk 's office. I spoke with them today and they said that it should be done soon. It is my understanding that legally they are to record this within 30 days. My attorney is holding money in escrow until this happens and until that time I can not get my money from a closing that happened XX/XX/XXXX. In addition, I am out the {$2300.00} in interest they charged because the payoff amount was short the {$5500.00} that was definitely known to them before the payoff statement was given and not included in their payoff statement.

Company response to consumer: Closed with explanation