vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
On XX/XX/2019 a case was sumitted to BANCO POPULAR of Puerto Rico to evaluate.. 
On XX/XX/2019 It is confirm with the Bank that they received all the documents. 

On XX/XX/2019 The case is completed and in the process of evaluation. 

XX/XX/2019 My Realtor spoke to Banco Popular and the person in charge of the case was not present that day but her secretary said my Realtor that XXXX XXXX XXXX will return the call but she never did it.. 

XX/XX/2019 the property appraisal came, 52 days have passed and BANCO POPULAR do not approve the case ...

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 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit report I noticed an account from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-former I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-former diligent examination of this matter.

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 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was going over my credit report I noticed an account from XXXX XXXX XXXX, The XXXX XXXX XXXX I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX XXXX, The XXXX XXXX XXXX diligent examination of this matter.

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 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: NY

Complaint narrative:
I tried to open a chance bank account it was denied because of a bad report they received from XXXX it was probably because key bank closed me an account because of a XXXX   check of a deposit XXXX $ that wasnt on my nam I didnt know that is a problem and i believe that this happeneing to everyone I dont know they making Big deal of that hope there is a way out because if not a dont know if its possible to leave in this world if for every XXXX  thing they gon na destroy my live

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I received a Personal Loan that ultimately was Constructive fraud. The loan was suppose to be placed into my checking account and I would pay off the credit cards that I choose called peer to peer. But instead Schools First Federal Credit Union made it a Credit Card Rewrite Loan forcing paying off the cards themselves. They misrepresented the loan they gave me in writing. I got loan 81 XX/XX/2018. 
. They also were lying stating that they only do loans up to 48 months when they do them for up to 60 months. 
I have XXXX XXXX which was for {$6800.00} with interest is {$7900.00} at 7.45 %. My loan documents say nothing about a Credit Card Rewrite loan. I paid it down to {$5400.00} so far. The loan documents are not accurate do to the CONSTRUCTIVE FRAUD. I always pay. Never late! 
I was also offered Overdraft Protection on my checking account with them which I was told was not a line of credit. However, if I had insufficient funds it had a 3 % fee which does not affect the credit score. And I was  also told the bank does not send out disclosure notices on it. When I finally used it several months later, my statement showed a 12.90 % rate for the {$1300.00}. I called and asked several times for the disclosure notice to be mailed but it was never mailed. 
Another bank I do business with sent me a disclosure notice on their Overdraft Protection today. It is not a line of credit. The overdraft protection above turned out to be a line of credit from SFFCU. CONSTRUCTIVE FRAUD AGAIN. Again, I was not accurately informed again. It was not for insufficient funds. 
Also, I was offered a line of credit at 8.49 % elsewhere at {$5000.00} at the same time as the {$1300.00}. XXXX offer. Why would I take {$1300.00} at 12.90 %? This is Constructive Fraud or IMPLIED DUTY OF GOOD FAITH TODAY SFFCU offered me {$20.00} to correct the interest of {$6.00} on the overdraft protection with new loan options which will r hi n my credot score. However, the issue is they gave me a loan lying about what it really was and deceived me on loan 81 also. I would not have taken it. I will need an email or fax to send documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Account type is reporting as Collection for transunion and Unknown - credit extension, review, or collection for XXXX. Transunion is reporting the date opened as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. Transunion is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. These are a violations of my rights per the fcra

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 2019-03-19 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: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Account type is reporting as Collection for XXXX and Unknown - credit extension, review, or collection for experian. XXXX is reporting the date opened as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. These are a violations of my rights per the fcra

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 2019-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
I made a payment of {$6100.00} to Edfinancial on XX/XX/2019. Confirmation # XXXX towards a specific loan-loan C. The company split up the payment and registered them to two other loans provided providing false dates for the payments. Even after incorrectly documenting the loan payment the payments were never deducted from either the principal or outstanding balance. 
An original payment of {$1000.00} on loan A was never applied and deducted from the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: IN

Complaint narrative:
For the past 6 months I've been charged a maintenance fee by US bank each month. US bank stated that the fee was being charged due to not having an direct deposit being processed during each month. However, I explained that I have not one but two direct deposits each month. The US bank representative said they would let their supervisors know to look into it and credit me back for these charges. This NEVER HAPPEND. I'm very disappointed with the service and am seriously considering closing my account and taking further actions against US bank. It's not the money but more my principles and I do not want them to do this to other people. Please help. I look forward to hearing from someone soon. 

Sincerely, 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 monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to remove fraudulent accounts from my credit report since XX/XX/2019. On XX/XX/XXXX, I mailed a dispute package to XXXX, XXXX & Transunion asking them to provide me documentation they used to validate the fraudlent accounts that were a result of Identity Theft. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) also FCRA 605 ( b ) therefore, the accounts must be deleted from my credit report within 4 days.

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 2019-03-19 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: NC

Complaint narrative:
I have been trying to remove fraudulent accounts from my credit report since XX/XX/2019. On XX/XX/XXXX, I mailed a dispute package to XXXX, Experian & XXXX   asking them to provide me documentation they used to validate the fraudlent accounts that were a result of Identity Theft. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) also FCRA 605 ( b ) therefore, the accounts must be deleted from my credit report within 4 days.

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 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have tendered the payment as of XX/XX/2019. THey have destroyed deleted and or alleged payment went missing. THey also claim that payment was not received when I have proof of service from the XXXX with a signature from their agent named XXXX XXXX. On two occasions this agent on behalf of USBANK signed for this payment. Please see attachments for more details.

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 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I have been receiving MULTIPLE phone calls per day sinceXX/XX/2019 ( today is XX/XX/2019 ) from the following phone number ( XXXX ) associated with XXXX XXXX XXXX XXXX : XX/XX/XXXX : XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX : XXXX, XXXX XXXX. XXXX : XXXX, XXXX XXXX. XXXX : XXXX, XXXX Furthermore, I have also started receiving multiple phone calls from ANOTHER phone number ( XXXX ) associated with XXXX XXXX XXXX XXXX on the following dates : XXXX. XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX : XXXX, XXXX XXXX. XXXX : XXXX, XXXX, XXXX XXXX. XXXX : XXXX, XXXX, XXXX, XXXX, XXXX I am now starting to receive letters via certified mail from the company as well.

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 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
My husband and I purchased a home in Oregon. My husband continued to work in California and I moved into the home. Our home owners insurance is separate from the mortgage. We thought the insurance was on auto pay through our Insurance Broker as has been our custom. Because we were overwhelmed planning our wedding, relocating and working in different states much of the time, we both thought the other person was watching the insurance payments. The insurance payments lapsed for 10 months before we became aware. Though we forwarded our mail we did not receive the three notices from our insurance company despite documentation by the insurance holder that they were sent. The final notice by the lender to get insurance and avoid forced insurance went to my the property where my husband works rather than the address of the home where I reside. My husband and I never saw any other noticed by the lender prior to the final notice. We are the only ones who check our mail. We obtained home insurance right away once we discovered the problem. Now the lender wants to charge us for purchasing home insurance ( that they have not yet purchased ) for the lapsed time at nearly 2 times greater than the initial cost if we can't show coverage during the lapsed time. I understand having to pay a lender back for purchased insurance during the lapse or even for the cost of lapsed time for a more reasonable rate.

1.Can they demand to purchase lapsed insurance that was not purchased during the lapse and after the date we had already purchased a new policy?

2. And if so, can they charge a rate that is more than two times the annual rate of lapsed coverage?

3. I have not been able to find a company who will provide backdated home insurance, so how can they find such a policy? 

Your response to these questions is greatly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I disuputed this account as soon as It came to my attention after accessing my XXXX XXXX account. and i am still being harassed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX Equifax requested documentation from me. During a phone call on that date I needed to speak with an advisor about the items seen on the report printed from AnnualCreditReport.com.  Mid-conversation the advisor told me they couldn't locate me in their system. The advisor then provided me the fax number XXXX. She told me to send a copy of my report along with valid ID and social security card. 

XX/XX/XXXX I called again and another advisor confirmed that my fax was received, but no profile for me existed in the system. She said to wait for a letter in the mail. 

XX/XX/2019, I received a letter in the mail. Equifax requested a form XXXX. In the letter they mentioned that my social security number is associated with a person who is deceased and that this was caused by the Social Security Administration ( SSA ).  Immediately after receiving and reading this letter I called the Social Security Administration. That XXXX document will arrive to me by mail within 7-10 business days from today ( XX/XX/XXXX ). 

The SSA representative debunked the letter statement made by Equifax regarding my social security number being associated with an individual who is deceased. The SSA shows my profile, date of birth, alive and the fact that I have never been on any kind of benefits. Fortunately, they can still see a record regardless. I exist in their system. 

Today I tried to register online at Equifax.com and I wasn't unable to pay for service due to an error. I called the phone number provided n the error message. This phone number led me to the Dispute team at Equifax. 

The dispute advisor wasn't able to find me in the system, again, but she mentioned seeing a note about documents being requested. Secretive she was, I asked her how she saw a note without pulling up an account and she placed me on hold with no return. 

Currently I have an agency assisting with credit repair. My XXXX   and XXXX reports are all accurate and available. I can also call those two credit agencies and they can pull my records with no issue. 

For Equifax, this is a major concern. I have copies of all three reports printed in XX/XX/2019 and again in XX/XX/2019 from AnnualCreditReport.com. Unfortunately, when I call Equifax I do not exist. They can not assist when I have concerns about items on my report. Additionally, when I called yesterday, XX/XX/XXXX, the advisors were unsure of how I received letters in the mail without a record. They weren't able to tell me what department they came from. Oddly enough, the letters are legitimate and someone from Equifax sent them. 

So far I've spoken with 5 advisors ( or representatives ) and two managers in the dispute and account support team total.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
i sent a letter to the debt collector to stop harassing me as this account was opened fraudulently and has been charged off. credit reports are available upon request to serve as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: IL

Complaint narrative:
Equifax has information to verified my identity incorrect. The information is incorrect when I try to dispute inaccurate information on my Equifax online account to verify me my identity. Equifax is also is reporting incorrect information to XXXX  XXXX XXXX XXXX as well. When I try to obtain my annual credit report I can not access my report because the information is wrong regarding me. I can not access my credit report because none of the verification questions belongs or pertains to me at all. I have include with this complaint a list of Equifax verification questions for me to access or dispute my credit report, and not one of the questions are related to me at all. I have contacted Equifax several time over the past 8 months to resolve this issue, and these issues are still not resolved reporting incorrect information verify my Identity. I have sent Equifax my ID, social security card, and mail of my bills that show my mailing address, and the information is still incorrect. This has caused me problems with obtaining credit cards and so forth. There is also a company XXXX XXXX XXXX for {$120.00} delinquent bill that is also not my account as well. 

I will also provide documents of my decease wife who also has incorrect information being reported by Equifax that do not and never belonged to my decease wife when she was alive. This again is being reported by Equifax as well. In the documents I will provide none of the verification questions belongs to her as well. My wife has been deceased since 2004.

Company response to consumer: Closed with explanation