vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-27 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: KS

Complaint narrative:
I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from XXXX, Equifax and XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: KS

Complaint narrative:
I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from Experian, XXXX and XXXX   immediately.

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 2019-05-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
My loan was purchased by Freedom Mortgage. During the process I had several payments that were sent to the old servicer and were not forwarded according to RESPA guidelines. During this time I had defaulted on my mortgage due to failure to forward the payments which has since been resolved. However, Freedom Mortgage inappropriately reported late payments on my credit report during such time. My loan is current and the issue has been corrected however XXXX has not corrected my credit reports as I was informed. In fact all three of my major credit reports reflect different information. XXXX did acknowledge and take responsibility for this issue and reversed all late payment fees but has not updated my credit reports.

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 2019-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
Bank of America Account # XXXX ( sold to Bank of America by Country Wide Home Loans ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico XXXX- Phone-XXXX Complain is about the unacceptance of my mortgage payments since XX/XX/XXXX,  verbally notified my brother in Georgia that mediation was denied. Imposing an insurance fee of {$1100.00} and increasing my monthly payment to {$2600.00} instead of previous mediation fee of {$1500.00}. On XX/XX/XXXX, I was suspended from my Job and requested a mediation which was approved on XX/XX/XXXX approximately with a mortgage payments of {$1500.00}, during those years, mortgage was paid in accordance with was established. On XX/XX/XXXX I suffered and Accident with a consequence of XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX and other conditions, immediately I moved forward and notified the Bank assigning my Brother thru a Power of Attorney that my financial situation and income will be affected awaiting for Retirement and Social Security Benefits, I never refuse to pay my mortgage, my brother was seeking for information and requested another modification due to my new income. I paid the Bank {$36000.00} dollars to update the mortgage and the Bank requested a payment of {$1500.00} which I paid till XX/XX/XXXX.On XX/XX/XXXX. my brother went to the Bank personally and the employees refuse to accept my payment of {$1500.00} because the amount changed to {$2600.00} on a monthly basis. We requested the reasons of the new mortgage ( increase ) rate and receive negative responses verbally and never in writing explaining the reasons. On XX/XX/XXXXmy brother was notified via telephone that the mortgage new payment it was because the Bank selected a property insurance vendor without my consent or authorization, but again nothing in writhing was informed. I have a personal insurance and awaiting my Personal Insurance Property Agent. My property suffered damage due to the Hurricane Maria, I sent the bank all information which included  pictures, I needed to arrange the doors, electricity, floors and other damage. My safety and property safety was important. Today I received a letter from the Bank requesting me to pay {$25000.00} and I dont know why? all these amounts including pay off amount of {$260000.00} in a property less actual Value of {$14000.00}. Bank of America is forcing foreclosure and creating me emotional distress. Bank of America is not compling with ADA Law and Territorial Laws. 
Please HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My name is XXXX XXXX and i applied for an American Express card and was declined with no reason given. This was on XX/XX/2019. I decided to call the XXXX XXXX XXXX provided. 
I inquired from the customer service personnel while i was declined, he informed me my credit score was not a factor in their decision but was based on my past. That i had an American Express card that was charged off over ten years ago. I said that was my past that i paid for with my credit messed up for about seven years because they reported me to the credit bureau. I am a different person now with a credit score of XXXX. I know of people who had their American Express Card charged off in the past and were given or have American Express card. I feel this is discrimination against me. You can't punish some one twice for the same offence. I am a lot wiser and very responsible with my credit history. I will not have a credit score of XXXX  without being responsible managing my finances. I will appreciate for you to investigate this injustice and rectify it. Am sure am not the only one discriminated against.

Thank you in advance for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In XX/XX/XXXX I have tried to dispute these inquiries that I do not recognize and these have yet to be disputed off my credit report. In accordance to section 606, 611 and 612 of the FCRA this should be properly investigated and verified in its entirety if this is accurate when in fact it is not. Due to this information not being verified and not receiving any correspondence within the 30 day timeframe these unauthorized inquires need to be deleted off my credit report. If these items are not deleted or verified properly with investigation then they would be in violation of Consumer 's Rights and could face a large fine. 
XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I signed up for a Citizens bank Platinum checking in the middle of XXXX after receiving a flyer in the mail advertising a {$400.00} bonus for opening said account and making a direct deposit within 60 days. 

I met ALL requirements, including going to the exact link provided on flyer, entering the code, and direct depositing well above the required amount within 60 days as stated. 

It said in the fine print that the {$400.00} bonus would be paid within 90 days after the direct deposit. The direct deposit posted on XXXX, and it has now been over 100 days and still no bonus paid. 

I called several times and keep getting the runaround. They keep saying over the phone that I met the requirements, but unsure why it hasn't been paid out. And that they'll investigate and call me back, but they don't. 

I have attached photos of both sides of the flyer I received down below. Any help you could provide would be greatly appreciated. 

Thanks so much, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
My parents both passed away ( Father- XX/XX/XXXX, mother- XXXX XXXX, XXXX ) and we have been trying to close their account since XX/XX/XXXX. I have power of attorney and am the executrix of both their wills. I was a signee on this account, but the bank seems to have no record of Mom and I filling out the card adding me in XXXX XXXX. We were out of the country so my father made this POD to my brother so he could have access to these funds in case something happened to mom. My brother lives in XXXX, MO, out of the PNC Bank footprint, and can not travel because of severe XXXX. Since PNC wouldn't let me have access to the funds, my brother called requesting info/forms to do this. He specifically asked if the letter identifying him and asking for the account to be closed needed to be notarized. The lady told him no, it did not. He sent in the letter/form and death certificats and we waited 3 weeks, no response. Meanwhile, the branch manager here in XXXX, Ky e-mailed in my parents death certificates 2 ( TWO ) times. I pressed the issue here in Kentucky to find out why we hadn't heard anything and they finally told us my brother had to write the letter requesting the account be closed and this time it had to be notarized, which he promptly did. They also needed Mom 's death certificate, so the local branch emailed it in AGAIN. That was over four weeks ago and we still haven't heard one thing from the bank. I have called and visited the local branch several times to find out the delay. I might add my parent 's other account at another local bank was closed in 10 minutes. PNC bank has lied to us, lost my signature card and Mom 's death certificate, put me on hold on the telephone for, literally, HOURS to try to get some action on their part. I have remained calm and patient, but this is getting to the ridiculous stage. I'm beginning to think they aren't going to let us close this account. We NEED this money to pay Mom 's final expenses. We need some help here, they have treated me terrible, although XXXX, the branch manager, has been nice. Please, please do something, it's been 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: MO

Complaint narrative:
In XX/XX/XXXX I have tried to dispute these inquiries that I do not recognize and these have yet to be disputed off my credit report. In accordance to section 606, 611 and 612 of the FCRA this should be properly investigated and verified in its entirety if this is accurate when in fact it is not. Due to this information not being verified and not receiving any correspondence within the 30 day timeframe these unauthorized inquires need to be deleted off my credit report. If these items are not deleted or verified properly with investigation then they would be in violation of Consumer 's Rights and could face a large fine. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I called for the second time to ask PNC to close my checking account.

I then went into the branch on XX/XX/XXXX and deposited XXXX dollars to settle a pre existing negative balance. I was told they were closing my account that day. They did not and I was then charged for a subscription service. and an overdraft fee. It has been over a week of fighting with pnc to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2019 I contacted Citi because I was showing a minimum amount due of $ XXXX+ due to my card being over the limit. In speaking with several representatives I was told that the minimum showed as such because they wanted customers to bring there card under the limit, however ; the true minimum was {$150.00} and that they dont " advertise '' that to customers on their statements. I find this practice to be deceptive and not hold true to customers expectations of transparency.

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 2019-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Professional Debt Mediat is not treating me right. They are saying that I owe a debt of {$1100.00} and I DO NOT. I am a victim of identity theft. I have contacted the credit bureau as well and no action is being resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
First of all I was left a voice message this last friday by this numberXXXX-XXXXextXXXX so I did attempt to reach this individual 3 times leaving a message he said I needed to respond by XX/XX/2019 so on monday I attempted to call him again and on his voice mail it now states he would not be in the office until XX/XX/2019 I did leave a message asking him why he was saying I needed to respond by XX/XX/2019 when he clearly had stated on his voice message he would not be in untill XX/XX/2019 and would not have access to his messages once again Bank of America has many inconsistencies and as a customer this was a on going problem I told them you record your calls so go back and listen to what conversations your bankers have with consumers and management to and honor your word to consumers you cant tell customers one thing and do another I also had specifically asked bank of America to stop a buisness from debiting my account they had assured me that no worries because my account was on close status again they allowed it to happen im so upset with everything they have done to me and the way I was treated by them it has impacted me bad especially me not having my medication for over a week because of them and the way I was treated like I was never worthy of there time I sent them numorous emails complaining and they did not care when I made a statement saying you have a choice you can release my funds and a supervisor said to me yes we are choosing not to that is horrible and when they finally did I received a letter stating my credits were permanent and the case was closed so I was right the whole time and it was there banker who had told me to esculate my claim because of my health

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 2019-05-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX, Equifax reporting old medical bills as collection items. Equifax reporting account XXXX and I never received any goods or services from this creditor. I was not allowed to dispute these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27 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: SC

Complaint narrative:
XXXX, XXXX reporting old medical bills as collection items. XXXX reporting account Affirm and I never received any goods or services from this creditor. I was not allowed to dispute 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 2019-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
A Barclays Card issued by XXXX XXXX to my late wife showed an XXXX charge from XXXX XXXX in XXXX XXXX, TX. 
I notified Barclays Bank of the following problems with that charge : 1. Neither my wife nor I have been in Texas for at least four years 2. I canceled said card as my wife 's PoA Agent by certified/return U.S. Postal Service letter dated XXXX XXXX, 2018. 
3. As part of said cancellation, I reported that I had physically destroyed all of her credit cards, including the one used in XXXX XXXX. 
4. Barclays acknowledged said cancellation by letter dated XXXX XXXX, 2018. 
5. I froze my wife 's credit-rating accounts with XXXX, XXXX, XXXX   and XXXX in XX/XX/2018 and they remain frozen to this date. 
6. My wife died on XXXX XXXX, 2018. 
Nevertheless, I received a second billing dated XX/XX/XXXX for the spurious charge. 
I have received no acknowledgement from Barclays Bank to either my report of fraud or my request for corrective action. 
The account and card remain active and open for further abuse as far as I can tell.

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 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion reporting an old medical debt as a collection item

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 2019-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: URS Holding, LLC
State: NY

Complaint narrative:
I have received information from a debt collector about a student loan I never received. this collection agency AllTRAN EDUCATION , INC, XXXX XXXX, XXXX OK XXXX, PH : XXXX, FAX:XXXXXXXX has interrupted my Federal income tax many time for collection of this unknown debt I have incurred. I have viewed the document ( promissory note ) and the signature is not mine, but a forged signature of my name and a forged description of my social security number. The date that is stated of such signing is a date that my actual accountability can refute.

Company response to consumer: Closed with explanation