vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery, Inc.
State: IN

Complaint narrative:
I have filed a FTC report stating that I was a victim of identity theft, I sent in proof that I Was incarcerated at the time when the actions that are reporting on my credit report happened. The FTC report was filed XX/XX/2021. I have also sent letters to XXXX  and XXXX  directly explaining my situation. Not only are the accounts NOT MINE, there is one account that is reporting three different time on each report being very damaging and obviously not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: PA

Complaint narrative:
At XXXX XXXX use a cash app card for {$420.00} the card was declined the money was in the account so the money was taken out no receipt was given and the purchase was message to me as completed this happened on XX/XX/XXXX XXXX XXXX XXXX XXXX check the register transaction history and realize no money has been taken on their end and there is no confirmation number given and no history of the transaction I was told to put in a request at Cash app cash app do not have any form of customer service that one can speak to or resolve any type of dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I have been a long-time client of Mariner Finance, and recently had to get an additional loan with my car as collateral along with personal items, and have always been up to date with my loan payments. This month due to medical issues and unexpected home repairs, I was several days late in mailing in my payment, so Mariner Finance called me 3 days in a row to harass me about my payment. I explained to them that I had already mailed in my check, and gave them the date, number of he check, and the amount. Told them I have no control over the mail, and there was no reason to call me 3 days in a row harassing me about my payment, since it was only several days late, not even a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery, Inc.
State: IN

Complaint narrative:
I have filed a FTC report on this account and this account is still somehow being verified as accurate which it's NOT. This same account is also being reported three individual times on each report which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have been trying to work with Amex on since XX/XX/XXXX. They cashed payoff funds in the amount of {$2300.00} on XX/XX/2019. They claimed they never received funds, even though I have given them copies of the bank statement several times, along with the routing numbers. I have received confirmation that they received the required documentation. There was a second payment made in the amount of {$2800.00}. They have acknowledged that they received that payment and they were suppose to be refunding that amount to me. Direct quote from Amex " The check is in the mail. '' Instead I received a letter that said no refund could be issued be there was no funds in the account. I have multiple disputes opened and closed and opened and closed. I have been transferred from the Closed Accounts, to Customer Service to Supervisors to the Escalation Department and now I am told that it is in the Billing Department and that a Supervisor will call me back. They have screwed up my address on the credit report which is now fixed. They have put multiple marks on my credit report. This is not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
At XXXX XXXX  XX/XX/2021. My account was {$.00} positive. XXXX XXXX  I'm but with a {$34.00} fee after ssa funds deposited. For a charge which processes overnight. Please help. Chase not seeing the error is partial there's

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Account is in litigation. Have tried to reach out to company but they repeatedly transfer me to XXXX  or XXXX. Please remove account from all three credit bureaus until we can speak and come to agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: VA

Complaint narrative:
The below account are reports as adverse accounts on my transunion account. 

DEPT OF ED/XXXX  XXXX {$0.00} {$0.00} DEPT OF EDXXXX XXXX {$0.00} {$0.00} DEPT OF EDXXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} These accounts are up to date and not in collections, they were sold to the accounts below which are shown on my credit report. 

US DEPT OF EDUCATIONXXXX XXXX {$0.00} US DEPT OF EDUCATIONXXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The below account are reports as adverse accounts on my transunion account. 

DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX  XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} These accounts are up to date and not in collections, they were sold to the accounts below which are shown on my credit report. 

US DEPT OF EDUCATION/XXXX XXXX {$0.00} US DEPT OF EDUCATION/XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had an FHA loan with XXXX Bank. I sold the home. Loan was paid off and closing on XX/XX/XXXX. 

On XX/XX/XXXX I received a check from TIAA Bank dated XX/XX/XXXX for {$940.00} for misapplication reversal. Please see attached. The check was void after 90 days, however, I didn't receive the check till 5 months after it was dated. I attempted to cash the check and it bounced. 

I attempted to call TIAA Bank but there mortgage business no longer exists. There was no one to talk to, just automated messages. The call eventually transfers to XXXX who now services TIAA Loans. Once again there is no actual person to talk to at XXXX, it's just automated messages. 

Since there was no one to talk to, I wrote TIAA Bank a letter on XX/XX/XXXX. In the letter I requested to file a complaint. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I applied for a HELOC with PNC in XXXX. Theres a {$50.00} annual fee. I stated Ive paid enough to PNC in interest over the 8 years Ive had my mortgage. Im not paying an annual fee on my HELOC. I stated Id just cancel the application. 

I was told this would be waived. This was stated over the phone and through email. I am being charged the fee in XXXX. Its not about the amount. Its the principal. I would like to just close the HELOC, but theres a prepayment penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I applied for a mortgage refinancing with Rocket Mortgage because the rates are so low. I was promised verbally that there would be no hard inquiry on my credit report. I was lied to. When I asked the representative about it, he said that he had not promised me a soft inquiry, lying to me again, and that I should have expected a hard inquiry when I gave him my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
-- As a customer paying off an auto loan account in full, incurred interest charges that were applied as the payment was processed. Could ruin the mortgage process for a 30 day late payment. 

I attempted to pay off my auto loan, using the payoff amount as listed in the more details tab on XX/XX/XXXX. After submitting the payment of $ XXXX. My installment account balance stated {$0.00} for several days after i paid off the account. However 30 days later i receive a notification to personal capital about a fee from Fifth third bank about a late fee. I reached out to the bank about the {$35.00} late fee and was just told it would be removed with no real explanation about why it occurred. Again I checked my app and it states a balance of {$0.00}.

The Next week I received a notice that my account is now in default for the amount of {$3.00}. I try to pay this amount off on the app and get a system failure because the balance states {$0.00}. I receive a call to get this amount paid off and finally pay the small amount of interest. I had the ability and willingness to pay this interest amount but was uninformed that any amount was due.

Now as a consumer in the middle of trying to secure a mortgage loan I receive a credit bureau report of a late 30 day payment. 5/3rd bank has an intentionally deceptive UI screen that will hide the incurred interest in a smaller drop down window, unhelpful customer service reps, and a system that is unable to take a {$3.00} charge. As a consumer who has unblemished credit, i may miss out on historically low rates due to these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal took my money under the false claim of damages caused by Acceptable Use Policy violations. In XX/XX/2021 they limited my account and instead of me being able to transfer my money after 180 days they just took it and transferred it to their own account. I had 4 accounts and from 2 accounts they took over $ XXXX. My account was 7 years old and never had any issues or violations before. From my other 2 accounts I was able to transfer the money to my bank. What's important is that all of these accounts were tied to 1 XXXX  account selling same items so if I was able to withdraw from 2 accounts why can't I from the other 2?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: GA

Complaint narrative:
I have been disputing with XXXX and TransUnion about the incorrect accounts and information on my reports since XXXX of this year ( XXXX ). I mailed letters to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute these items and letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to investigate and respond to my disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The accounts are still reporting incorrectly on my report. I even sent some of my letters certified because I needed to know if they were getting my letters in the first place. These are the tracking numbers : XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX / TransUnion # XXXX XXXX XXXX XXXX XXXX ... 
XX/XX/XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX / TransUnion # XXXX XXXX XXXX XXXX XXXX ... 
XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX / TransUnion # XXXX XXXX XXXX XXXX XXXX It has been months without receiving a response. As a consumer, I feel this is unacceptable. This is my life that XXXX XXXX, and Transunion are disregarding.

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 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: VA

Complaint narrative:
Hello, I submitted a previous complaint about Credit Karma because they were not responding to my emails requesting the closure of my account. Now I have another issue - I am still receiving emails from them about declined card transactions. I asked them back on XX/XX/XXXX when I will receive an update from a specialist about my issue and they did not respond. It is pathetic that I have to keep coming to this website to file a complaint about Credit Karma to take some action. 

Please stop the emails from coming to my email address XXXX. I told your member support team that XXXX will not allow me to remove the card ending in XXXX from my account. These emails are considered spam at this point and I am not able to unsubscribe from these alerts. If I get one more " Your account needs your eyeballs, XXXX '' email, I am going to scream.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: SC

Complaint narrative:
I am a victim of identity theft. My credit report has been shared and pulled without my authorization and I have not benefited from such inquiries. Wrong addresses, employment and information retaining loans are incorrect and false representation of me. I have reached out to Experian on several occasions, stated my laws and rights according to FCRA and my requests have yet to be fulfilled.

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 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021 I spoke with a Bank of America representative by the name of " XXXX '' in Texas who told me I COULD file an appeal pertaining to Bank of America 's flawed determination resulting from a {$50.00} charge. 
On XX/XX/2021 I spoke with a Bank of America representative by the name of " XXXX '' in Arizona and told I COULD NOT file an appeal regarding the same flawed determination. 
This is in fact an unethical business practice to lie to customers.

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 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Opened XX/XX/2019 ( 1 yr, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX A As you can see, the debt collector is stating that I have disputed then again stating that there were no disputes. 

This account is an account that - A : I have no knowledge of and this becoming more difficult with the misleading information. 
- B : This account is beyond the statute of limitation which was stated to be by multiple collectors from this company.

- C : If this is beyond the statute of limitations then the dates are inaccurae also which makes this negative item illegal and against the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PR

Complaint narrative:
I hold a VA loan with Pennymac. I am XXXX  and my house in the States, is now a rental property. My tenants lost their jobs due to COVID. I took advantage of the Forbearance program to cover those months. When I went back to regular payments, my mortgage balance went from {$180000.00} to {$190.00}, XXXX. Had I known I would owe an extra {$10000.00} at the end of the " benefit '', I would never had participated. This has caused a financial hardship. I am wondering if this could be covered under the Military Lending Act? 
Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX PA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my fifth complaint about Experian. Experian refuses to remove and block XXXX XXXX Home Mortgage from my credit file. Someone without my knowledge or permission used my personal information to open a Mortgage loan in XXXX 

I filed a police report with XXXX Police Department and forwarded the police report to Experian. 

Experian asked me to send the police report to them again. I sent the police report to Experian along with identifying information. 

Experian then told me that XXXX XXXX Home Mortgage certified that the account is accurate and it belongs to me. 

How does the account belong to me when I clearly sent a police report in to Experian that says I have been a victim of 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 2021-08-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal was included in my chapter XXXX bankruptcy filed XX/XX/2021. That included two credit cards, and the checking account that was negative. Navy federal never sent me any documentation confirming so. My membership is locked out. The original membership was created as identity theft. Yet eventually navy federal gave me access to be able to access the login. Now the login is disabled. The identity theft caused the bankruptcy to begin with after battling with this for over 8 years. I want to be able to reestablish membership with navy federal. What would be required to do so?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: OK

Complaint narrative:
A new item appeared on my credit report, so I called the debt collector on XXXX XXXXXXXX XXXX at approximately XXXX : XXXX eastern standard time listed number on the credit report. They had no information to give me concerning the debt, they could not verify the date of service or that I in fact actually received any services or products that would oblige me to any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MA

Complaint narrative:
on XX/XX/2021 I received in the mails an attempt to collect a debt from Stillman Law Office. Unknown to me, I had previously received in the mails dated XXXX from the same office " Stillman Law Office ''. I do no know nor consent to their proceedings. I have no knowledge of this person and have sent on XX/XX/2021 a validation of debt, affidavit as well as an invoice for the damages they have already occurred, certified mailing # XXXX XXXX XXXX XXXX XXXX. They have already started reporting this on my consumer report, This alleged debt is not validated, this alleged account # and Amount due are unlawful and have already created a negative impact on my consumer report. I have no contract or contractual obligation that I have signed to pay Stillman Law Office. They have negatively affected my consumer report as I was notified of an adverse account, and appears af is I owe them to the public, need to be held accountable. They have violated my consumer rights and now I have to spend my time to correct this issue and clear my name in spite of my rights not being protected.

Company response to consumer: Closed with explanation