vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NPAS, Inc.
State: TX

Complaint narrative:
Constantly calling my job and my home using threatening and harassing language. They are usining a prerecorded machine to robocall me over and over even after I demanded them to stop. I have no contact with this company and do not know why they are continuously calling and harassing me at home and at my job. I informed them that my job strictly do not approve of harassing calls and that I could loose my job. They keep calling. I am sending a cease and desist letter to them. I am filing a harassing phone call report with the police depazif the call me again on this XXXX day of XX/XX/2019.

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 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Every year since I move into this home which was XX/XX/2016 my escrow has been miscalculated. First year I was off {$810.00} with a Deficiency payment of per month which my payment jumped from XXXX to XXXX. The following year it was off {$2300.00} with a deficiency payment of {$56.00} and mortgage payment of XXXX. Now this following year it was a shortage/and or deficiency of XXXX with deficiency monthly pay of {$140.00} which now I am paying {$200.00} for monthly regular payments for escrow with an additional {$140.00} on shortage payment. The insurance have not change over the years still in the same price range. the first year I paid out of pocket for a year in advanced.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lending Club Corp
State: RI

Complaint narrative:
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB. 

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 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:
XXXX  and Transunion are reporting incorrectly a collection of {$3600.00} on the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account has a {$0.00} balance and a request to remove these line items from my credit report was requested on XX/XX/2019. I have also attached a copy of the letter from XXXX XXXX showing this account has an amount due of {$0.00}. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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 2019-07-23 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: CO

Complaint narrative:
EXPERIAN IS IN VIOLATION OF THE FCRA BY PUTTING A STATEMENT ON MY CREDIT REPORT THAT ADVERSELY IMPACTS ME WITH OUT ANY PROOF THAT I ASKED THEM TO PUT IT ON MY REPORT. 

on my credit report, attached is a copy of it. Experian is putting a comment that says Dispute Investigation Completed. Consumer Disagrees. Updated XX/XX/XXXX. 

I have filed this complaint before as I never disputed anything with the XXXX XXXX accounts. What is funny is that XXXX  removed this comment because they showed no dispute ever being filed by me. But Experian and XXXX  both think its funny to make false statements on my credit report and to violate the law. 

I am now demanding that they proceed by the law. Either produce written documentation verifying that I initiated a written dispute ( Which they cant because they did not recieve one ). I am demanding that this comment be removed completely from my credit report or I will reserve the right to hire a FCRA attorney and sue you in a court of law. I am not playing games here. 
You do not have the legal right to put anything on my credit report that is not validated or verified with proof. You guys have been found not to long ago to have compromised many thousands of people 's information because you are negligent in handling our personal information. 

I am demanding that this statement that I did not authorize because nothing was disputed and I am disagreeing with you on the fact that you are putting unauthorized, incorrect comments on my credit report. 

Remove or be sued!

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 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prosper Marketplace, Inc.
State: RI

Complaint narrative:
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a  law that is supposed to be enforced by the CFPB. 

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
NJ Higher Education is reporting two accounts on my XXXX credit report that is not correct. XXXX shows a balance of {$6000.00} and XXXX shows a balance of {$7600.00}. They have actually confirmed with me on the phone that I only have one account with them and I am making payments. This is inaccurate and a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal has frozen our accounts and refuses to release our funds, also : - PayPal doesn't reveal the criteria it uses to trigger a payment hold, making it impossible for sellers to learn why their funds are being held or to determine if an error had been made ; - Sellers make zero interest on their funds, while PayPal presumably does earn interest on the sellers ' funds ; - PayPal has no accountability ; there are no auditors or checks and balances. 

The fact that this is continued to be allowed by consumer rights organizations is saddening. They continue to pray on small business and discriminate against legal business violating their rights under US law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting two accounts on my TransUnion credit report that is not correct. XXXX shows a balance of {$6000.00} and XXXX shows a balance of {$7600.00}. They have actually confirmed with me on the phone that I only have one account with them and I am making payments. This is inaccurate and a violation of 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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: CO

Complaint narrative:
XXXX IS IN VIOLATION OF THE FCRA BY PUTTING A STATEMENT ON MY CREDIT REPORT THAT ADVERSELY IMPACTS ME WITH OUT ANY PROOF THAT I ASKED THEM TO PUT IT ON MY REPORT. 

on my credit report, attached is a copy of it. XXXX is putting a comment that says Dispute Investigation Completed. Consumer Disagrees. Updated XX/XX/XXXX. 

I have filed this complaint before as I never disputed anything with the XXXX XXXX accounts. What is funny is that XXXX removed this comment because they showed no dispute ever being filed by me. But XXXX and Equifax both think its funny to make false statements on my credit report and to violate the law. 

I am now demanding that they proceed by the law. Either produce written documentation verifying that I initiated a written dispute ( Which they cant because they did not recieve one ). I am demanding that this comment be removed completely from my credit report or I will reserve the right to hire a FCRA attorney and sue you in a court of law. I am not playing games here. 
You do not have the legal right to put anything on my credit report that is not validated or verified with proof. You guys have been found not to long ago to have compromised many thousands of people 's information because you are negligent in handling our personal information. 

I am demanding that this statement that I did not authorize because nothing was disputed and I am disagreeing with you on the fact that you are putting unauthorized, incorrect comments on my credit report. 

Remove or be sued!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I want to do a short sale, but SPS ( select portfolio ) is forcing me to be reviewed for a loan modification ( which i do not want ). They told me the review would take 30 days and I should have a response by XXXX-XXXXXX/XX/XXXX19. Its now XXXX-XXXX-19 and SPS told me this review was still " pending ''. 

I want SPS to just review me for a short sale so I can sell this home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX I had a late payment and it was due to my online banking being disabled after I received fraud across multiple different cards. The online banking being disabled for 3 weeks caused me to be late on my payment. I talked to many advisors at Wells Fargo and they said I would not be effected however per my reports it looks like I was. Ive paid every payment on time, and use credit cards solely for the points and cash back opportunities. Not because I need the money. Im looking to buy homes and scale my business and would love this blemish removed from my near perfect credit score.

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Since XX/XX/2017, I have repeatedly filed complaints with Equifax on credit inquires that were not authorized. Equifax repeatedly ignored all the complaints. I have contacted all of the below companies and they have no records or do not want to provide any assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I have had a credit report freeze since before XX/XX/2017 and these companies never contacted me before pulling the credit report for verification either by mail, or telephone. 

The credit freeze has never worked and companies continue to pull when they have never been authorized nor do they contact me for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I sent multiple disputes ot Equifax and complaints regarding the information listed in error on my credit report for XXXX/XXXX XXXX. The response was a letter addressed to someone name XXXX XXXX to my address. I have since contacted Equifax who can not verify my personal information that I provide. I specified the account names, inaccurate info and provided my personal info each time disputed. No one not can seem to verify this account, who opened it or who XXXX XXXX is. I also believe I am part of the Equifax breach as I can no longer access any of my personal credit reporting information by mail, via the Equifax website or over the phone. This account is NOT MINE and NOT VALID. I am not XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have several business accounts and credit cards with the bank. On XX/XX/XXXX I received an email that asked if I recognized two debit card charges, which I did not, so I clicked no and the website indicated I would hear back from someone within 2 business days. The days came and went and I checked to see the status of my account and found several fraudulent charges on the account so I called claims to let them know that the card which I had reported as in my possession and with fraudulent charges needed to be canceled and those debits reversed. That was on XX/XX/XXXX or so. 

A week later there were still charges occurring on the canceled card so I called claims again and asked that a manager be attached to my account to make sure it is being supervised and to reverse all the fraud. They reversed it but again a week later there were more charges on the canceled card. And another time thereafter. 

I have now had to call 4 times to make claims despite being promised 3x that escalation would follow up with me and take care of the situation. There have been 60 transactions from XXXX XXXX XXXX all at XXXX theaters and over {$6000.00} of my money used on a card that was already canceled. The bank is not managing the issue or solving it, they're just wasting an hour of my time every week figuring out there has been more fraud and leaving me to try to solve it. 

This past time I finally was connected with an escalation manager who proceeded to hang up on me while I was on hold as she attempted to figure out the problem and now 40 minutes later I have not been called back. I will have 120 extra entries for bookkeeping, my payroll bounced due to insufficient funds which delayed payroll for my staff, I received a fee from the payroller, and now my payroll will need to have 4 days lead time instead of 2 which is another cashflow burden.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX XXXXat XXXX XXXX time. I  called inquiring how to get my report. I spoke with a man who took all my private data and stated that I could order a full copy of my report. I gave my date of birth, drivers license, address and all. The man put me on hold and NEVER RETURNED! As you you see from the uploaded screen shot I was on the line with them for 43 minutes and NO reponse. There is nothing that should have taken that long to NOT RESPOND to  mail me my report. I claim that they are stalling and refusing to follow through with my request to know what they are reporting on me. I feel they are refusing to provide me with my rightful access to the items they are buying and selling about me and to make sure they are accurate. They violated my rights big time by not providing the report in writing as I requested. Their rep said they could go item by item on the report. I opted to actually see it so I know what I am disputing and yet NOTHING!!!! They never returned. It shouldnt take more than a few moments to upload a report and IF there were system issues the CSR should have been back on the phone telling me or responding to me asking if someone is still there .... I got nothing at all!!! NOTHING!

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 2019-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Well this how it came about when I tried going to the PNC Bank on XXXX XXXX XXXX XXXX XXXX Indiana trying to open an account in which I was given a Smartaccess card ending in XXXX O.K. Then it wasn't even a month later I was able to create a account with three different accounts involved O.K. Then a check was written and  deposited into the new account number ending in XXXX O.K. Now the check was deposit and I got a receipt saying it would be available within a few days O.K. Now I went to the branch letting them know about the XX/XX/2019 deposit of {>= $1,000,000} on the card ending in XXXX. They ended up closing the account saying someone may been trying to get ahold of the funds without my consent they closed my account without giving me a reason. I have a copy of the check that was mailed to me with a message saying this is A LEGAL COPY of your check and could be use the same way but at the same time my account was closed without further response. I need some assistance with this matter would be great ly appreciate it when this is resolved. Check number XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: TX

Complaint narrative:
On XXXX mortgage lender tried to pull my Equifax credit report and score. They were unsuccessful. On XX/XX/2019, XXXX XXXX and I attempted to resolve the issue with Equifax but was unsuccessful. I was informed that there were no issues. On XX/XX/2019, I called 3 times and spoken with 2 reps and 1 supervisor and they claim that there are no locks, blocks or freezes on my file, but yet I can not pull my report and score with XXXX, XXXX  ( their 3 bureau service ) nor Equifax and XXXX XXXX nor my lender has still not received my score and report. In fact, I can not even log into my Equifax online account. Something has to give. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
RECEIVED INFO FROM XXXX XXXX THAT I WAS 3 MONTHS BEHIND IN MY TDBANK CREDIT CARD PAYMENTS UPON SPEAKING TO TDBANK I WAS ADVISED THAT I GOT MY STATEMENTS BY E-MAIL WHICH I DO NOT I RECEIVE PAPERSTATEMENTS/TURNED OVER TO FRAUD UNIT ( TDBANK ) IT WAS FOUND OUT THAT SOMEONE HAD CHANGED MY ACCOUNTS E-MAIL AND PHONE NUMBER PREVENTING ME IN GETTING MY BANK PAPER STATEMENTS. ACCOUNT CLOSED AND WAS ADVISED THAT I WOULD BE REFUNDED MY LATE FEES ALSO ADVISED THAT MY CREDIT " LIMIT '' WAS REDUCED FROM OVER {$16000.00} TO {$3700.00} CAUSING MY CREDIT SCORE TO DROP VERY LOW. RECEIVED LETTER XX/XX/2019 THAT MY CLAIM # XXXX WAS CLEARED AND THAT I WAS NOT AT FAULT AND RESOLVED " IN MY FAVOR '' AN UPDATE WOULD BE MADE TO THE ACCOUNT ON MY CREDIT CARD. LATE PAYMENT WERE DEDUCTED, BUT MY CREDIT LIMIT WAS NOT RAISED TO THE ORIGINAL LIMIT. CAUSING MY CREDIT SCORE TO REMAIN " LOW '' FAIR STATUS. DUE TO THIS OTHER CREDIT CARD COMPANIES ALOS NOTIFIED ME THAT THEY WERE LOWERING MY CREDIT LIMIT BECAUSE OF THE ACTION TAKEN BY TD BANK. JUST WANT MY CREDIT SCORE RETURNED TO WHERE IT WAS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
This is a fraudulent charge. I would like the company/owner to prove that I was given the proper move in/move out due process. Signatures and dates on apartment paperwork will not match the proper parties involved. Forgery proven will make this debt a fraudulent charge.

Company response to consumer: Closed with explanation