vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XX/XX/XXXX notified PNC via Branch Mgr ( XXXX ) fraud ( to this date no response frm Fraud dept ) XX/XX/XXXX@ XXXX PNC Collection Dept calls me. XXXX states transactions agrees Fraud activities and to call Overdraft Dept its not a Collections issue but Fraud or Overdraft. 
XX/XX/XXXX informed same Branch proof I filed Fraud on PNC acct for XXXX PD. I was informed no documents are available. I was then inform that a dispute for each transaction was required. On XX/XX/XXXXBranch Mgr never informed me of that process. Now on this date my accounts are closed no access!

XX/XX/XXXX received letter of Collection from XXXX ( note : she did call me..and I /called back left a msg apologized as I was short tempered ) DRU P5 PCLC 01 J I'm baffled! And the cedit/charges to the account {$2000.00} spent at XXXX 's in a single day with transaction 's differ by 2cents. No Communications from Fraud Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am not sure why but XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXissued updated cards replacing old cards. For some reason credit bureau shows these to be newly opened accounts and dropped mt credit score immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: IL

Complaint narrative:
I sent in my ftc report and contacted the bank about accounts that I did not authorize that were open in my name. The credit bureaus have yet to remove those accounts. I want these accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I sent in my ftc report and contacted the bank about accounts that I did not authorize that were open in my name. The credit bureaus have yet to remove those accounts. I want these accounts to be removed.

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 2019-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
My credit report alert went off today saying that I owed a payday loan for {$340.00} to XXXX XXXX XXXX who ever the XXXX that is that took place on XX/XX/2016 I have no idea what Midwest Recovery Systems is talking about. In 2016 around at that time I purchased a new truck with no down payment and a townhouse I had no money problems in to 2016 and still don't. If you check my credit report I am at a 100 % at paying my bills on time one thing I ain't going to do is borrow money from a payday loan or anyone else. You have the wrong person someone might have used my information with out my knowledge things like that happen but it wasn't me. If you continue to harass me on something I didn't do I will file a civil suit against your company ( Midwest Recovery Systems ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: CA

Complaint narrative:
This account was paid off in full on XX/XX/2019. The company did not apply a payment made in XXXX to my account. I provided a bank statement showing the payment was successfully withdrawn from my account. The supervisor, XXXX, told me it was good to go and it would take approximately 1 week to clear out of the system. It has now been 20 days and they are still reporting it incorrectly and showing I still have a balance. I have reached out to them via email and have gotten no response. They are very difficult to reach via phone. They reported to the credit bureaus on XX/XX/2019 & XX/XX/2019 still stating the full amount due. Please help me get this resolved and reported correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: CA

Complaint narrative:
This account was paid off in full on XX/XX/2019. The company did not apply a payment made in XXXX to my account. I provided a bank statement showing the payment was successfully withdrawn from my account. The supervisor, XXXX, told me it was good to go and it would take approximately 1 week to clear out of the system. It has now been 20 days and they are still reporting it incorrectly and showing I still have a balance. I have reached out to them via email and have gotten no response. They are very difficult to reach via phone. They reported to the credit bureaus on XX/XX/2019 & XX/XX/2019 still stating the full amount due. Please help me get this resolved and reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: CA

Complaint narrative:
This account was paid off in full on XX/XX/2019. The company did not apply a payment made in XXXX to my account. I provided a bank statement showing the payment was successfully withdrawn from my account. The supervisor, XXXX, told me it was good to go and it would take approximately 1 week to clear out of the system. It has now been 20 days and they are still reporting it incorrectly and showing I still have a balance. I have reached out to them via email and have gotten no response. They are very difficult to reach via phone. They reported to the credit bureaus on XX/XX/2019 & XX/XX/2019 still stating the full amount due. Please help me get this resolved and reported correctly.

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 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I have never had a debt with this company signed by me in XX/XX/2018 2018

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 2019-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC
State: CT

Complaint narrative:
Filed complaint about this company in XX/XX/2019, like XXXX XXXX seems to enjoy dangling loan offers that dont exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: Berlin-Wheeler, Inc. (Kansas)
State: OK

Complaint narrative:
I recently obtained my consumer credit file and discovered the below mentioned agency obtained my consumer credit report on XX/XX/2019, from XXXX XXXX & XXXX, alleging a balance owed to them in the amount of {$610.00}. Since then, the below mentioned company was given three ( 3 ) notices of claim dispute, under notary presentment, to verify their permissible purposes for intrusion, fraud, and damages my credit profile and personal character. I have not received a response. 

BERLIN WHEELER , INC. is a debt collector pursuant to 15 USC1681. I am a consumer as that term is defined in 15 USC1681 seq. BERLIN WHEELER , INC, is not a creditor, and I have not applied for, neither received any services or credit with your particular entity. Therefore their intrusion in my personal credit file constitutes a willful and negligent violation of 15 USC1681 ( b ) which would also be a criminal offense ( felony ) punishable under Title 18 USC, the penalty being a fine and or two years imprisonment, and a civil liability exists within 15 USC1681n. This violation may also constitute a tort claim for identity theft.

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 2019-10-23 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
I receive 2 or 3 phone calls every day since early XXXX, my references receive calls. I will gladly satisfy this debt however even after 1st telling them the calls haven't stopped as though they are going to intimidate me. If the calls stopped for just 3 or 4  days I would satisfy my obligation but not because they keep calling me as well as my references.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: PR

Complaint narrative:
On XXXX I filed with the Puerto Rico Department of Police an identity theft report because I noticed a medical debt on my credit report and addresses 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 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Hi, the reason i'm start a new complaint today is because i got the respond letter from TransUnion saying that The disputed item ( U.S.Bankruptcy Court ) was verified as accurate. 
I do not understand if the Fair Credit Reporting Act states that the only way a negative item can actually stay on your credit report is if it is accurate complete and verifiable. The CITY AND STATE must be listed in the court name for it to be listed accurately, and the strangest thing is in XXXXx is not a Bankruptcy reported. 
What else i have to proof them that they are in violating of my rights from the FCRA. 
Whether it's public record or not obviously they don't get this information from the court. Also they required to have first-hand knowledge which means they need to furnish the actual petition.

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 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: CA

Complaint narrative:
XX/XX/2019 I have tried to apply for an apartment and was denied to a false eviction on my XXXX   report. I was never evicted, the case was dismissed but on-site continues to report it as if i was evicted. I was actually bought out of the remainder 2 years of my lease from that building and they moved me in to their other building with 6 months free rent. So this is false info, i still rent from XXXX services to this day. I have contacted XXXX and XXXX XXXX XXXX XXXX , XXXX, they have no way to dispute any info on their site or via phone or email or mail at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resource Management Group
State: PA

Complaint narrative:
I have received phone calls from a debt collector called Resource Management Group. They claim I owe a debt from XXXX, but they refuse to send me a debt validation letter claiming they don't have to that they are a third party but will give me dates over the phone. I sent a certified letter to them on XX/XX/XXXX asking for the information and they have refused to pick it up from the post office. They laughed at me when I said the statue of limitations was up and that they were violating Consumer Financial Protectin laws and asked if I had just XXXX that. On XX/XX/XXXX and XX/XX/XXXX they have called me twice in one day.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 my card was used inside of an airport in XXXX. at the time i received a call from BANK OF AMERICA asking me if i was the one who used the card. i responded to them 'NO '' they thanked me and told me they would send me a new card stop the old one from being used. at the time of the incident i told the bank that the card was in XXXX XXXX and i was in XXXX XXXX Nevada. they asked me to confirm i had the card in my possession, so when i returned to XXXX XXXX i contacted the bank and told them that my card was here in my office. ever since i have opened up 5 claims with the bank and all 5 have been denied. 
the transactions go as follows ; XX/XX/2019 {$27000.00} XX/XX/2019 {$820.00} XX/XX/2019 {$260.00} XX/XX/2019 {$880.00} XX/XX/2019 {$26.00} XX/XX/2019 {$7.00} i have contacted bank of america roughly 20 times regarding these claims and spent over 50 hours on the phone with them. they keep telling me that it is not fraud because the card was present at the time. the bank is telling me that it is impossible to replicate a card with a chip. i asked the bank to check the cameras inside of the airport, contact the vendors. i also told them i can provide them with proof that i was in the country at the time, and i also send them a formal letter explaining the series of events that took place. today i talked to them for another hour and they advised me that my claim was denied again. i got frustrated and decided to follow up with a complaint

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 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan was initially with XXXX and was acquired by XXXX and later by Nationstar ( Mr. Cooper ). 

My loan is an adjustable rate based on the LIBOR index, and I have tried unsuccessfully to lower my payments by submitting for a loan modification over 40 times and each time I was denied. 

During this process when the RE market was down with the exception of the past 5-6 years, I have tried to get my loan modified, but to no avail. 

The reason that I got behind was because I was seriously ill, and then unemployed for a long time after that. 

I would like to get my loan modified and to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: Comerica
State: CA

Complaint narrative:
On XX/XX/XXXX I was fraudulently charged with a bank transfer to an account in my name I did not open. I called my bank, Comerica aka Direct Express, to let them know. Instead of them realizing that my online banking was set up and taken over by someone I don't know, they only canceled and sent out a new card. When I received my next monthly XXXX payment this same person again, took the rest of the money from my account, on XX/XX/XXXX. I called my bank again and talked to a smarter Rep who realized the problem was much bigger than sending out a new card. I was told I needed to fill out a form within 10 days but I did not receive that form in the mail until after they asked me to send it in. When the second transaction happened they told me I could fill out both dates on the same paperwork and was promised by a supervisor that I would be receiving the provisional credit for the 2nd transaction. I sent it in that day and that was a terrible mistake, I wish I had done it on 2 forms. They have completely denied any provisional credit, even though I was told I would receive one by a supervisor on the XXXX. After 10 business days ( XX/XX/XXXX ) they emailed me telling me I was denied. So I called in Friday, XX/XX/XXXX, and everyday until today, Wednesday, XX/XX/XXXX because they didn't see on their end we were being denied. All of the supervisors I spoke with made it sound like they were trying to find out why we were denied for a provisional credit on XX/XX/XXXX because I didn't send in the paperwork by XX/XX/XXXX. Do they expect me to go back in time to fill out paperwork for a transaction that hadn't happened yet? I didn't receive the form in the mail by that date and still have never received the other form they automatically sent out from the 2nd transaction. Now they are saying they are making me wait past the 45 legally allotted days to return those funds to me. They are not following the law. I have filed a complaint with the Federal Reserve and now I am filing a complaint here. This company directly deals with accounts of those on federal programs. So they are making XXXX people jump through extreme hoops, to never receive their money. I read many articles online about how they make people wait months to return funds. I can not wait that long as they are holding onto {$890.00} of mine and have been going without groceries or paying bills. I would like for them to lose their contract so other XXXX people don't get XXXX XXXX  by this company. They are a disgraceful company. I wish I could switch to a different account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Getting phone calls for debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: FL

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CW Financial
State: IA

Complaint narrative:
This company has threatened to take my XXXX check for a account I do not owe. They have changed the date of the transaction from XXXX to XXXX. I believe this is a scam and it's affecting my credit.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX credit card sent me an invitation number to apply for credit I went online stared to fill the questions but half way i stopped and decided not to apply anumore I changed my mind I called the XXXX card customer service amd asked them why they proceed with my application if i did not summit and finished it They told me that i had enough info already that they proceeded without me summitting it I received an experian credit alert and it will stayed there for 2 years without my consent The lady who i talked to said it will stayed there I think they lie Nd when i called they wanted more info to complete Si whi ch one it is I did not applied

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 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Now I am being charged by Experian for a bogus charge against my credit card and my checking account. A charge of {$24.00} has been charged against my Credit Card/ Bank account with out any authorization from me. 
I was never notified or have I spoken to anyone at experian regarding a charge against my Credit card or my Bank account. 
I have had to destroy my C/C from my bank and dispute this charge by Experian that Once again " I never authorized ''. had no idea I was going to be charged and have no idea what the charge is for? 
I want experian to be held totally responsible for all of my inconveniences. and to send me a letter of apology.

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