vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM

Complaint narrative:
XXXX / XXXX / 2017  I made purchases over the weekend that had been deducted from my account but was on hold however the purchases had shown deduction from my balance now  Citizens  bank is saying it did not reflect on my balance when in fact it did and they are charging me with  XXXX  different overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian is reporting an account as open and past due. This account was with XXXX XXXX XXXX and was discharged in a Chapter XXXX  Bankruptcy in XX/XX/XXXX. I have written Experian and followed their dispute resolution system. They were provided with the schedule of discharged debts and the discharge documents. Additionally I provided XXXX with XXXX and XXXX reporting of the account. Experian came back and denied my claim and told me to call XXXX XXXX and provided a phone number. I called that number and XXXX XXXX confirmed that the debt was discharged and told that Experian needs to contact XXXX XXXX. This has all transpired over the last 3 months. XX/XX/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 non-monetary relief
Consumer complaint received 2017-07-11 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: NC

Complaint narrative:
I opened my mortgage with XXXX on XX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with XXXX on XX/XX/XXXX. The closed account for XXXX is still reporting negative on Equifax and XXXX. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with XXXX XXXX  back inXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX assumed the loan, it reports from the beginning of the opened loan original date. XXXX is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by XXXX. They acquired the loan and the information and reports from history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I opened my mortgage with XXXX onXX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with XXXX onXX/XX/XXXX. The closed account for XXXX is still reporting negative on XXXX and Experian. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with XXXX XXXX  back in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX assumed the loan, it reports from the beginning of the opened loan original date. XXXX is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by XXXX. They acquired the loan and the information and reports from history.

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 2017-07-11 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: NM

Complaint narrative:
Equifax and XXXX are not responding to any of my numerous requests to investigate and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX, XXXX ambulance service of XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain tillXX/XX/XXXX. Is now in the hands of XXXX XXXX XXXX.
I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home.
I have had XXXX Insurance since XXXX. Some how XXXX, XXXX XXXX XXXX deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled on XX/XX/XXXX.
I have also spoke with the XXXX XXXX XXXX and it seems as though the matter is getting worse.
There are two  other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved.
However I am filing complaint one at a time, this one being the largest and most difficult.
I hope I have included all that is needed for this matter to receive your attention.
Please Help.

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 2017-07-11 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: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX, XXXX ambulance service of XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain till XX/XX/XXXX. Is now in the hands of XXXX XXXX XXXX.
I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home.
I have had XXXX Insurance since XXXX. Some how XXXX, XXXX XXXX XXXX deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled onXX/XX/XXXX.
I have also spoke with the XXXX XXXX XXXX and it seems as though the matter is getting worse.
There are two other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved.
However I am filing complaint one at a time, this one being the largest and most difficult.
I hope I have included all that is needed for this matter to receive your attention.
Please Help.

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 2017-07-11 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: NM

Complaint narrative:
XXXX and Experian are not responding to any of my numerous requests to investigate and remove accounts from my credit reports that were opened fraudulently.

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 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
Real estate tax escrow funds were collected but taxes were paid late, causing a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: The CBE Group, Inc.
State: NY

Complaint narrative:
A previously removed account fro m CBE Group ( acc  #  XXXX  ) was removed from my   XXXX   report on  XXXX   XXXX ,    2017, According to FRCA, I was to be notified within 5 business days that an account  previously removed was to be reinstated. I did not received a notice and that account is back on my  XXXX  collection report. The collection company and  XXXX  are in violation of the FRCA, and this account need 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 2017-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Set up several student loans with XXXX XXXX, who then turned into Navient. Performed SEVERAL forebearances over the years ( due to financial hardships ), and also went through a couple of income-based repayment plans. No information was given regarding these services, and now I have over {$50000.00} in student loans due to interest. This information should have been disclosed and signed off on prior to obtaining these hardship options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Freedom Mortgage continues to send me spam mail and continues to call leaving spam voicemails despite complaints to the FCC and company itself. I 'm on the do not call list and have previously notified the company not to call, they continue to break the law.

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 2017-07-11 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XXXX XXXX, my Barclaycard Arrival Plus credit card was stolen and I had {$970.00} fraudulent charges on my account, with a few thousand more charges declined by the bank. I initiated contact with the bank immediately after I saw the fraud alert message received on my phone, confirming through texting that I did n't perform those transactions. I was told by a customer associate that I would not be responsible for all fraudulent charges. However, after I week, I received a call from the Fraud Detection Department telling me that because those charges were cash advances so they would not reimburse me for those charges.
<P/>
Even though with my police report and other supporting documents proving that those transactions were fraudulent, the bank refused to offer me help and instead put those charges with fees and interests on my account, totalling {$1000.00}. I have made contact with Barclaycard Fraud Detection Department several times without further progress. One supervisor called XXXX initially promised to get back to me within the same day on XXXX XXXX. However, despite calling him leaving messages multiple times to initiate discussion and figure out the reason for rejection, the supervisor never called me back!
<P/>
According to the information provided by Federal Trade Commission, under Fair Credit Billing Act, my liability as a customer for unauthorized use of my credit card tops out at {$50.00}. However, Barclaycard refused to accept my evidence of fraud, and follow the federal law to take those fraud charges out of my account. Their process of dealing billing dispute is also flawed and unfriendly. Not only that I received conflicting information from their customer associates via phone, I was also not treated with respect - the supervisor never responded to my message. Furthermore, the zip code of their address for sending a claim form is actually incorrect - one staff in the post office told me that they put wrong information on their form. I have completed lost trust in Barclaycard and Barclay Bank Delaware and would like to seek help from federal customer protection agency.

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 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A Judgement on my Experian credit report Which is  PAID, h as not been 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 non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
I made a purchase for plane tickets in   XX/XX/XXXX    . The trip needed to be changed due to terrorist activity, which is a covered reason under the terms and conditions of my credit card.  Barclaycard  referred me to  XX/XX/XXXX . When speaking to    XX/XX/XXXX they told me that prior to   XX/XX/XXXX     they did not handle claims against this card, so they referred me to  XXXX  : A  XXXX   XXXX . I submitted all necessary documents to  XXXX  who then denied the claim based on the reason that "  Terrorist Action  is not covered ''. I called them and sent them screenshots from the  Barclay Card  website showing them that indeed  Terrorist Action  is listed as a covered reason. The case was reopened, and after weeks of back and forth communication,  XXXX  sent me back to Barclaycard as they said i needed to put the claim through them. When speaking to  XXXX  again, i was told that another company needed to be involved but they couldint not get me in touch with them, I had to go back to  XXXX . I have not contacted  XXXX  again but will be and will also be closing my account with  XXXX . The runaround i am receiving is terrible business and deserves to be escalated to all levels.  <P/> I have all of the necessary documentation detailing the above, including written correspondence with  XXXX , screenshots from the  XXXX  website, all necessary receipts etc. I can provide if necessary.

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 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pan Am Collections, Inc.
State: IL

Complaint narrative:
PanAM collection contacted me first by calling my cell phone and left a voicemail. Called them back to find out who they were and why they were calling me, told me they were collecting a debt on a medical bill. They continued to call repeated times. The bill was paid in full with the medical group, documentation was send to PanAM collection company showing the bill was paid for the full amount listed on the bill! When the called a few weeks ago they were told the receipt was mailed out and XXXX proceeded to use profanity towards me.
today I received another phone call from XXXX first on my cell phone then to my house phone, my wife answered the phone and told him the bill was paid in full and he is requesting more money be paid.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 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: Credit Plus Inc
State: MA

Complaint narrative:
I filed the below complaint with Creditplus. " Creditplus has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what Creditplus is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it. '' The below is their response. I have not authorized Credit Plus or " XXXX XXXX to pull any of my credit information. '' CreditPlus is not taking responsibility for the reporting. I am re-opening this case with both Credit plus and XXXX XXXX and requesting the immediate removal of this fraudulent hard inquiry from my credit report. On XX/XX/2016, " XXXX XXXX '' pulled your credit report with the permissible purpose of securing a mortgage loan. If you did not authorize access to credit data ; please file a new case. A hard copy of this same information will be mailed to your postal address. Please contact our Consumer Disputes Specialists at XXXX or XXXX if you have any further questions/concerns. Sincerely, Credit Plus Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I paid my mortgage off on  XXXX / XXXX / 2017 , and sent the amount on the payoff letter from  Specialized Loan Servicing. I had an escrow balance that was due a full refund as taxes were not yet due., and also  paid interest through  XXXX / XXXX / 2017 , which also was due a refund. Specialized loan servicing did a partial refund, claiming the payoff wire from  XXXX   XXXX  was short $  XXXX . I have verified with  XXXX   XXXX  that they paid the amount on the payoff letter via wire. Now I am short the balance of my escrow refund and approximately {$1100.00} on my per diem refund. Several call t o Specialized Loan Servicing have resulted in nothing, except run around, hang u ps, and erroneous responses, but still no proper refund.

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 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Merchants Acceptance Corp
State: WA

Complaint narrative:
My husband and I are currently paying our XXXX loan through Merchants Acceptance. We elected to move a monthly payment forward and we were not asked to repeat or confirm our card number. Due to the payment being scheduled for the weekend it would not run until the following Monday, which I confirmed on the day the payment was scheduled, and again nobody verified or asked me to confirm my card number. Our payment never went through and when we called the next day we were told the card number was invalid. Confused, based on the fact that we have the same card for all automatic payments on file and nobody confirmed the card number ( which had been done on every previous call to the switching of this specific payment. The representative, XXXX, read the wrong card number that was entered, and then read the correct card number after. The last 4 digits slightly different. I asked for a manager and was told that not only were there no managers, but also no compliance team or HR department. The representative then continued to cut me off and place me on hold in the middle of my sentences. There were points where he raised his voice, I exclaimed that I was not being aggressive towards him so he does not need to do so towards me. He then stated he was n't yelling, immediately placed me on hold to get to another representative. The man who jumped on the line was XXXX, who did not clarify he was not a manager, like I had asked for. He began in a matter of fact tone telling me that he will listen to the call and check on the NSF fee. If I had not asked him if he was a manager I do not think he would have told me and would have let me believe under false pretenses that that was who I was speaking with. I asked if they had anyone who handles CFPB/FDCPA complaints and the representative became very defensive. He would not let me finish a sentence and would raise his voice higher and higher as I tried to speak. They informed me that a 'manager ' is only present after XXXX XXXX and would not be able to assist me in any way.

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 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried cancelling Transunion account, but they are still charging my account. Also, online it says the only way to cancel with Transunion is to call them, but I have XXXX XXXX and can not do this.

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