vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 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: MO

Complaint narrative:
Contacted the credit report agency ( Equifax ) XX/XX/XXXX starting at XXXX speaking with rep. XXXX . Informed her that I received notice on XX/XX/XXXX that information on my annual free annual credit report form did not match information they have on file. Gave XXXX SS # /DOB/address. Also informed her that I received report XXXX with no problem. She put me on hold to see if she could access my report ( XXXX-XXXX approx ). Came back to say that she needed more verification that I was me - asked if I had report from XXXX, & was there a bankruptcy or credit card incident in my report. Verified that there was bankruptcy and gave date of initial filing ( XX/XX/XXXX ) and court judgement discharge ( XX/XX/XXXX ). XXXX then said to further verify identification that she needed bank & creditor filing amounts, I said I would not give that info since she should not need it, but did give Case ID # ( XXXX ) as listed on XXXX report. XXXX said she did not need that, but would need bank & creditor information. This to me was too excessive and invasive. At this point I stated that I would report this because it was not working for me. I am thinking that she was looking at my report throughout. Call ended by me at XXXX approx. 

XX/XX/XXXX ( XXXX ) Logged on XXXX to try accessing report that way. After entering info could not connect to step 2. 

Unfortunately, had problem with XXXX as well ( " The Social Security number you gave us does not match the identification information in our database. " ). Per prompts, that say they try to identify the caller ahead of time, I gave SS # /4 digit address/DOB. 
But try as I did ( XX/XX/XXXX XXXX ) ; XX/XX/XXXX XXXX-XXXX ; XXXX-XXXX ) to try to get through to a 'person ' NO LUCK! 

Was able to resolve issue with XXXX ( " Unable to Locate Credit Report '' ) XX/XX/XXXX XXXX approx. speaking with XXXX, also gave identifying info, put me on hold to see if she could access report. XXXX-XXXX ). Accessed report and will be sending it me. Hopefully. 

Realize and appreciate the need to verify identity. Know each reporting agency wants their own clearance, but some oversight in what can be asked as way of identification should be in place. This MY information and if this is an indication of " the big three reporting agencies '' I am indeed troubled. No one wants their intimate information readily available anyway, but to have to entrust the data to outside sources needs to be put on a higher plateau than this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Again I am having issues with chase!!!

If my account is closed why are there still activities going on?! I have been treated very unfairly and no one is answering my questions and concerns. On top of it all I can not access any of my bank statements which just shows me that CHASE has something to hide, I have contacted the FDIC and if I must I will take further actions to get the issues resolved as well as receiving compensation for all the hardship, stress and financial issues that CHASE has caused.

They have stolen money from me and there have been weird transactions appearing on my account even after I was told that the account was closed and this happened without warning or knowledge of what is really happening with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: GA

Complaint narrative:
On all credit agencies the same accounts are not mine and listed as mine. I was the victim of ID theft and the companies and credit agencies have not remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Received letter stating amount paid. However the next month I received a bill for {$3.00} next month it was {$4.00} and change I just received another one for {$5.00} and change. Is this legal.?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft I notified equifax numerous times I circled items in my report that were fraud sent them identity theft police report and was told by the fcra 605b that they are required by federal law to remove these items and equifax refuses to remove items, I have tried for over 3 years to get said items removed and they are refusing to do so, they have cost me homes mortgages loan, jobs, and credit cards because of inaccurately reporting these items on my file. I have done what I was told to do and equifax refuses to cooperate and I am filing a complaint with you to force them to cooperate with the law. I will file complaint after complaint until items I circled are removed. And I also will be bringing them to court in regards if it they are not removed for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We used our Home Depot Credit card last XXXX to purchase a washer and drier with 0 % interest for 18 months ( XXXX ). Have made all our payments and Home Depot randomly changed to 6 months and charged us back interest.

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 2019-03-26 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: NJ

Complaint narrative:
I sent out a certified letter to Experian last month requesting verifiable proof ( an original consumer contract with my signature on it ) for a few accounts listed. I received the results of my dispute report yesterday with no proof at all stating its verified. These accounts/creditors have reported on my Experian report and have also failed to provide any documentation as well. I would like for this matter to be resolved as soon as possible.

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 2019-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Letter and documentation attached. 

1st Complaint XXXX Aargon 's response dated XX/XX/XXXX did not provide any proof or description of method of notififying me in violation of Section 809 of Fair Debt Collection Practice Act. In addition, their alleged debt validation dated XX/XX/XXXX is not valid and in violation of Section 809 of the Fair Debt Collections Act as detailed in my letter to them. 

Aargon continues to knowingly violate the law in their unethical practices by writing vague/non descriptive responses to obfuscate the truth.

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 2019-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
On XX/XX/2019 I submitted my mortgage payment online and it was deemed " effective '' on that same day. The monthly statement states that payments must be made before the XX/XX/XXXX of each month or late payment penalties would apply. The company did not process the payment until 3 or 4 days later and proceeded to send a threatening letter on XX/XX/2019 stating our loan was " delinquent '' and that our loan was presently in " Default '' despite the digital portal used to make the payment stating our effective date was on XX/XX/2019. This happened almost identically in XXXX and I called the company and stated I didn't want this threatening letter sent, that also threatens a negative credit report sent to credit reporting agencies, when the system I used is digital and the payment date should be readily available for them to determine that threatening delquincy and negative credit reporting is unfounded in this situation. Moreover, this company does not practice as a typical mortgage company. Their practices are more aligned with that of a collections agency even to the point of attaching a notice stating they are " a Debt Collector ''. We have never missed a mortgage payment and due to the terms of our employment and how we are paid by said employment, this is how we have to make payments at this time. I do not appreciate these threatening letters and I do not deserve to be treated as though we're not paying our mortgage. I want my mortgage sold to a proper mortgage company and not held by this falsely labelled Debt Collections Agency. I should not have to pay for a refinance to have this company removed from my loan for their dishonest practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: NY

Complaint narrative:
Experian is reporting an account with NY XXXX XX/XX/XXXX that is actually very old it's past the statue of limitations

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 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: RI

Complaint narrative:
I have been threatened by my mortgage company of foreclosure. I have called them several times but get a different response every time. I fell behind due to problems with my personal checking account. I found erroneous charges on my account which cause my mortgage payments to bounce. Once that was settled I have made my payments from a new account for the past 5 moths. Out of those five moths, 3 months of payments were returned to me with no explanation. When I called to find out what was going on, I was given different answers every time. At this point I do not know if I still own my home & have to move. I have not received anything in writing & I'm terrified that I will be evicted with no advance notice. My main concern are my XXXX dogs which are my " kids '' or babies. I XX/XX/2018, I signed an agreement with the company to make elevated mortgage payments to get caught up. My last three payments were returned with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: GA

Complaint narrative:
On all credit agencies the same accounts are not mine and listed as mine. I was the victim of ID theft and the companies and credit agencies have not remove these items.

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 2019-03-26 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: GA

Complaint narrative:
On all credit agencies the same accounts are not mine and listed as mine. I was the victim of ID theft and the companies and credit agencies have not remove these items.

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 2019-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: TX

Complaint narrative:
I payed XXXX on a XXXX dollar loan

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 2019-03-26 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: NY

Complaint narrative:
I am a victim of identity theft I notified XXXX numerous times I circled items in my report that were fraud sent them identity theft police report and was told by the fcra 605b that they are required by federal law to remove these items and equifax refuses to remove items, I have tried for over 3 years to get said items removed and they are refusing to do so, they have cost me homes mortgages loan, jobs, and credit cards because of inaccurately reporting these items on my file. I have done what I was told to do and XXXX refuses to cooperate and I am filing a complaint with you to force them to cooperate with the law. I will file complaint after complaint until items I circled are removed. And I also will be bringing them to court in regards if it they are not removed for damages.

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 2019-03-26 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: NJ

Complaint narrative:
I sent out a certified letter to XXXX last month requesting verifiable proof ( an original consumer contract with my signature on it ) for a few accounts listed. I received the results of my dispute report yesterday with no proof at all stating its verified. These accounts/creditors have reported on my XXXX report and have also failed to provide any documentation as well. I would like for this matter to be resolved as soon as possible.

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 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC on XX/XX/XXXX assessed over {$100.00} on my account due to transactions that posted on my account on the same day, but were backdated and reordered on my account. I was not notified of any overdrafts until XXXX XXXX XXXX this XXXX and by this ppint I was already charged {$100.00} dollars in fees with no way to correct the overdraft. I called PNC and attempted to get the overdrafts credited, but I was steadily rebuffed by a customer service rep and a supervisor who told me there was no one else above her and I needed to go speak to a branch manager to go to a higher level. The branch manager seemed confused as to why I was told to speak with her as she was as limited in this capacity as a customer service rep. I was told to contact her regional manager and that again there was nothing that she could do to further assist me. 

At this point I am completely fed up with PNC and their attempts to charge me overdraft fees. I am constantly told by them about their " processing '' at odd times of the day, but if I as a consumer don't see these processes until the next day it seemes incredibly unfair to charge me overdrafts fees for transactions that show on my account the same day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26 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: AES/PHEAA
State: FL

Complaint narrative:
When I started at the University of XXXX, I let the admissions representative that was helping get started that I had a background issue would it be a problem? She stated no. At this time my degree is in XXXX XXXX/XXXX XXXX. It is a problem I have applied to several places and have been turned down be cause of my background check ( criminal background check ). So I explained this to my loan servicer, which is XXXX. I applied twice, the first time they denied my they stated that XXXX denied me and they had no control over the discussion, and to call XXXX. XXXX referred my back to them. Then they said I filled out the application wrong and I needed to redo lines 9 and 10. So I downloaded another application and re did it. Then I decided to call to check and they said I was denied again because I need the school to say they knew, and to call XXXX because they handle all decision. XXXX said it was not true and to get a supervisor. I do not know who can help me but I am getting the run around from both of these companies and I just do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Originally approved for a modification in XX/XX/2018 and agreed to make the payments although it was returned due to failure of signed agreement which I never received. Was posted for Sheriff Sale twice which I petition to postponed and had to pay XXXX each time. The judge postponed it since I was not given the proper paper work and I am now having to reapply again. I asked to get an interpreter and have the paperwork in XXXX. I never received it. I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In late XXXX I received my rewards balance statement which told me that the bank was no longer mailing out yearly checks for their rewards program and that the rewards were loaded on our XXXX XXXX account. Customers are to go into XXXX XXXX and either apply these rewards to their credit account or they can be applied towards a purchase of their choice. I tried to redeem my rewards on a number of occasions without any luck. I was given numerous excuses and was made to hop through hoops to try and redeem my rewards that theyve done nothing to try and assist me. I was forced to get a new card, forced to wait, and made to call their customer service. After a months period of time, I got fed up and decided to contact your office.

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 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
XXXX Credit Card service and their customer service aren't professional when dealing with their customers. I have paid this credit card off. They keep calling me to pay it when its paid and settled. This is impacting my credit score. I've tried to solve this problem on my own but they do not assist me. The amount that I'm in collection from XXXX is {$750.00}. I paid this back in year of XX/XX/2012. The account was settled for {$450.00} paid off. I never received a letter stating my account was paid off. They wont help me but they keep calling to get their money which already did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: PA

Complaint narrative:
Previously submitted a complaint and neglected to include all credit bureaus. XXXX XXXX has been satisfied and I've even acquired new service at a new residence. They are still reporting as a negative item on my credit report which should be removed as I do not owe a debt.

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 2019-03-26 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: PA

Complaint narrative:
Previously submitted a complaint and neglected to include all credit bureaus. XXXX XXXX has been satisfied and I've even acquired new service at a new residence. They are still reporting as a negative item on my credit report which should be removed as I do not owe a debt.

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