vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a customer of XXXX. After XXXX bought XXXX my bill started going up on XX/XX/XXXX. I called XXXX several time to complain about my bill. They failed to do anything about it. I was under a contract till XX/XX/XXXX so I did n't want to cancel. In XX/XX/XXXX, I called XXXX to return 2 of the 4 receivers I had, so I could save money. The next month I received a bill of {$810.00}. I called XXXX immediately. I was told that the previous representative cancelled and restored my service and the account would be credited back for the early termination and prorated charges. The next month came and I did n't see any credit. I called XXXX they said it can take 2-3 months for the credit to show. In the meantime, I was getting late charges for the balance they caused and I had promotional offers that were removed for my account that I was supposed to have till the contract ended on XX/XX/XXXX. I wrote to the corporate office. When they finally wrote me back they promised me they will credit me for there mistakes and inconvenience. On XX/XX/XXXX I still did n't get all the credits I was promised so I cancelled since my contract was over. In XX/XX/XXXX I was checking my credit report and saw a {$300.00} collection from XXXX and past due history for 30, 60, 90 and 120 days. I have several emails from the corporate office of XXXX I can forward to whoever will be handling my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Submitted a request for Transunion to verify and/or delete accounts, however I have yet to receive a response. 30 days have passed.

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 2017-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I had XXXX auto loan with Ally Financial that originated in XX/XX/XXXX. I made my payments on time every month. I filed Chapter XXXX bankruptcy XX/XX/XXXX, and payments were being made to Ally Financial through my bankruptcy plan. I surrendered the vehicle to Ally Financial XXXX to remove that debt from my bankruptcy and so I could purchase another vehicle with a different financial institution. Now, Ally Financial is reporting XXXX on my credit report when I only had XXXX loan with them. Also, on those XXXX reports from Ally Financial, are also showing delinquencies that never happened.

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 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a credit account with XXXX. I have paid the bill on time with just {$95.00} remaining on a {$1900.00} credit line account. XXXX has reported my account AS CLOSED, DELINQUENT 120 DAYS with {$8.00} per month being paid monthly. This appears as an ADVERSE ACCOUNT on my credit report. I have never made an {$8.00} payment as stated in the report. In fact, some of the payments were made in the amounts of {$800.00} and {$530.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Last weekend I applied for on a " Rental Application '' to move into a brand new Apartment Complex. However, once the apartment " Leasing Consultant '' ran my " Trans Union '' credit report it false noted a home " Foreclosure '' that I supposedly had either in XX/XX/XXXX or XX/XX/XXXX. I was " Denied '' an apartment solely upon " Trans Union '' credit report on me. I called up " Trans Union '' and they refused to hear me out let alone to " Delete '' the false info. on my " Trans Union '' credit report.

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 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued. i have already send a complaint to best but, this account can not be fount nor at XXXX XXXX or XXXX who could be the issuer of this account apparently. 
please follow up this matter, i would greatly appreciate

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 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my wife 's report, other just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the same agency that removed them previously.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from a third-party agency. Therefore, it MUST be deleted.

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 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Refusal to adequately investigate information in my credit report. They are refusing to remove incorrect and invalid information in my credit report by refusing to even investigate the information. Experian Has made it impossible to have errors in my credit report fixed properly.

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 2017-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
Regarding case # XXXX. I do n't have the time to mail this in as Bayview is proceeding with trying to steal my home. Newest foreclosure auction date is XXXX/XXXX/17. I am attaching the supposed report they sent me showing the audit of my loan and crediting my account that I can not decipher because it looks to be an in-house report with codes. It shoiuld have been attached, but it would n't allow me to attach it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
they put tax lien on my report and then removed it and then put it back on my report again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I need some help please, we settled out an account with an attorney XXXX XXXX collecting on a Capital One account, all payments cleared the last payment was returned with a notice mail last payment directly to Capital One which was done so. Now Capital One has sent it to another law office XXXX XXXX to collect the difference which was NOT what was agreed upon. We have been fighting this for several months now. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
On the statement from my financial institution, on XXXX/XXXX/2017 barclays bank extracted the full balance owed of {$4100.00}. So, i made a dispute for the inaccuracy because the bill had been paid in full, and on XXXX/XXXX/2017 they reported & dispute 'resolved ' that no payment had been made, & even increased the balance owed. Again my credit report was updated on XXXX/XXXX/2017, with still no mention of this payment and that it had been paid in full, & the increase in debt owed is violating my rights.

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 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC
State: CO

Complaint narrative:
I am being charged with an XXXX bill by the debt collectors Bay Area Credit Services. We have no unpaid medical bills at this time, nor have I ever even taken an ambulance ride. By all accounts after looking up this company online, they appear to be scammers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I had signed up with an account at HSBC, which promised a {$350.00} promotional credit upon completing some easy requirements. The terms of this promotion are available online at : XXXX. 

I had asked if the bill pay requirement would be every calendar month or every statement cycle, and was told that it is based on statement cycle. I opened the account on XX/XX/2016 and completed XXXX bill pay transactions on three continuous statement cycles, however I did not receive any bonus. When I ask customer service about it, I keep getting the same canned response telling me the terms of the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: CA

Complaint narrative:
I set up a repayment plan for my student loans. When I talked to a representative, in the beginning, they reassured me that all my loans were out of default and into the repayment program. I received a letter in the mail later that month letting me know that my biggest loan was about to be delinquent. I called Sallie Mae right away to resolve the matter and a lady representative reassured me that all of my loans were up to date and that my loan was n't in the negative. 2 months pass and I receive a third letter letting me know that my loan was in default and that I would have to put XXXX down to get my loan back in good graces. Needless to say, since the lawsuit, they have n't called me about the matter but they were very disrespectful about having me repay. Also, they told me that an income based payment plan did n't exist and that I would have to put at least XXXX down to fix my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I bank with PNC Bank here in XXXX, PA. I have always been 'opt-out ' on my checking account, however last XXXX ( XX/XX/XXXX ) my account was changed to a different type of checking account better suited to my needs as an XXXX and on Soc Sec XXXX. When the account was changed the 'opt-in ' is the default standard and the customer must 'opt-out '. I was NEVER notified that I was an 'opt-in '. My understanding is that there are 3 ways to change that status : by letter, over the phone, and online. Each would still require some sort of notification and signature by customer acknowledging the change. 
Over the past year I have had numerous overdrafts due to my debit card to say the least and my PNC branch has been very flexible in offering a few refunds of the OD fees. The most recent occurrence of overdraft fees due to the debit cards being authorized and paid began on XX/XX/XXXX. I have paid nearly {$1000.00} in OD fees during the last year due to this opt-in being on my account and never realizing why the ODs were multiplying like bunnies until recently a banker friend mentioned it. 
PNC has offered a paltry {$100.00} refund this time around and has corrected me back to 'opt-out ' like I ALWAYS had been. They claim it is not a bank error and will not refund this extraordinary amount of OD fees collected from me over the past year due to their failure to disclose to me the opt-in status. I was told that its in the customer Rules & Regulations book. I would think they have a fiduciary responsibility to make it very clear at time of account opening ( or type change ) to the consumer and at least have me sign a paper acknowledging it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am submitting this complaint as to why i can not open up a bank account anywhere and why my account was closed. I was a victim of identity theft that i reported once all my personal information and files with my important confidential info was stolen by a supposedly 'trusted ' individual. It really corrupted the credit i was building for myself and it got even worse when i started getting denied access to my own funds, accounts began to close and now i stuck without a bank account in my name. I really need to know how to make this all go away. I am just a XXXX working to pay my bills and the support system that i thought i had whom i had also entrusted scammed me and went MIA, and left me in a bad position with proceeding in my life financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
This collector comes to my home at night during the week and early weekend mornings in addition to random afternoons. They bang on my door and speaks threateningly to my family. They have been asked to not come back, yet they do repeatedly. I have it on video this person coming to my home near XXXX and banging aggressively on my door and ringing my door bell, awaking my and scaring my young children. This person peeks in through my windows and parks his car in front of my house waiting for me to come outside. This person has been instructed to not come back to my home, yet they do repeatedly, often before XXXX on the weekends and after XXXX during the week. I am scared now for my son to walk home from school because the threatening tactics being used. I have submitted a Cease & Desist letter to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Advance Title and Loans, LLC
State: ID

Complaint narrative:
Advance Title and Loans out of XXXX Idaho has verbally abused and threatened my client on numerous occasions. The collection manager has stalking tendencies and has harassed the client numerous times to collect a debt including over twenty phone calls and or texts in a one hour time frame. In addition she continues to make allegations of non-compliance against her and broke into her credit counselor 's place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/2016 I SENT A DEBT VALIDATION REQUEST, CERTIFIED MAIL, FOR ACCOUNT # XXXX WHICH WAS RECEIVED BY LVNV ON XX/XX/2016. I NEVER HEARD OF. I REQUESTED INFORMATION ON THE ACCOUNTS AND NEEDED TO KNOW WHAT THEY WERE FOR SINCE THEY WERE ALL LISTED AS " XXXX XXXX '' WITH DIFFERENT AMOUNTS. I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX AND NEVER HEARD OF THEM UNTIL THESE ACCOUNTS WERE LISTED ON MY REPORTS. I AM CONCERNED WITH IDENTITY THEFT ON THIS ISSUE. 4 MONTHS HAVE PAST AND STILL HAVE NOT RECEIVED ANY ANSWER TO MY REQUESTS. I HAVE DISPUTED THESE ACCOUNTS THROUGH THE CREDIT BUREAUS AND THEY CAME BACK AS VERIFIED. ATTACHED IS THE VALIDATION REQUEST AND CERTIFIED MAIL RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: ID

Complaint narrative:
A few years ago XXXX Mortgage bought my loan. at that time I hade filed Chapter XXXX Bankruptcy and it was discharged. they now tell me that they will not report my payment to the credit reporting bureaus it is having an adverse affect on my credit and I would like it changed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ALSO CANT PUT IN A REINVESTIGATION ONLINE INTENTIONALLY BLOCKING ME FROM REINVESTIGATING ALL MY ACCOUNTS ON FILE

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 2017-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Since 2010 I have been harassed every six months by US Bank to provide proof of flood insurance. 
Each time I receive a letter that says I must maintain at my expense, flood insurance in the amount equal to the lesser of : 1 ) The replacement Cost of the dwelling ; 2 ) The maximum available under the National Flood Insurance Program, currently {$250000.00} ; or 3 ) The total unpaid balance of the loan plus the total amount of all lines of credit, secured by the above referenced property. 
I currently have an outstanding principal balance of $ XXXX and a flood policy provided by the Condominium for full replacement value of the building for {>= $1,000,000}. I do n't think it matters what the per unit value calculates to even if I am upside down on the loan so long as the policy reflects that it is the " replacement value ''. 
I have also had to deal with in the past that the flood insurance does not match the amount of the hazard insurance. This is not one of the their requirements above. And they have to understand that different insurance companies use different models to calculate replacement value. And if one is over-insured on hazard insurance there is no reason to have the flood at the same value. The key is that the insurance declares replacement value.

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 2017-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed my personal checking account on XX/XX/2017 without my knowledge and sent me a cashier check. They claim that my personal checking account which I had for over thirty five years was a business account. I spoke to Senior Service representative who also confirmed that it was set up as a personal checking., but due to Chase acquisition of Washington Mutual the account somehow changed to business. I have been using this account for my direct deposits. The checks, I wrote out will be returned with insufficient funds and I will be penalized for this. Chase currently does not take blame for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I recently complained to you about XXXX billing me for charges unknown to me. I asked them to send me a detailed statement on what the charges were for with date of service, what my insurance paid and a copy of the signed contract for the date of service. They never responded to this request and instead sent me to XXXX XXXX collection agency. I contacted you regarding this matter and thankfully things were cleared up and the collection agency closed my account. Well I got a letter from a different collection agency that XXXX XXXX is trying to collect on. They are also trying to bill me a separate {$75.00} late fee. I have no idea why they keep doing this to me. I always payed the dental office what they said my portion was. They wo n't even work on you until they verify insurance coverage ad you sign a contract on what you owe. There were times I waited almost 2 hours in the chair because of their billing methods. I am angered and outraged that company is so disorganized and wo n't leave me alone. I do n't owe them ANYTHING yet they say I do but will not submit the proof I have been asking for.

Company response to consumer: Closed with explanation