vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank sent me a " Home Equity Line of Credit Statement '' dated XX/XX/XXXX for my HELOC held with them. The " Home Equity Line of Credit Summary '' on this statement indicates a " Corresponding Annual Percentage Rate '' of 4.050 %. 

However, online - the Citizens Bank website indicates that my " Interest Rate '' is 2.55 %. 

Also, I referred to my " Home Equity Line of Credit Agreement '' for this account dated XX/XX/XXXX and it also indicates that my interest rate for the statement dated XX/XX/XXXX should be 2.55 %. 

This discrepancy results in a difference of approximately {$130.00} in favor of the bank. 

I attempted to call the phone number provided on the statement, was put on hold and then the call was disconnected after six minutes. I then called my local branch, was put on hold and then that call was disconnected after nine minutes. 

I then attempted to email the bank, but their website does not allow email inquiries related to this issue at this time. 

Please help me obtain resolution for this bank error. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Secure One Capital Corporation
State: CA

Complaint narrative:
Borrower/Customer received marketing material that was misleading and made it appear that it came from XXXX XXXX. Also advertised " no closing fees '' and skipping two mortgage payments which is all inaccurate and not legal marketing practice for mortgage loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: TX

Complaint narrative:
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 

REMOVE THE FTC VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 

REMOVE THE FTC VIOLATIONS

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit report ( Experian, XXXX, and XXXX  ) are reporting collections information from a company called XXXX. The additional information being supplied by XXXX contains information about where and when I received healthcare. There is not an original HIPPA release form on file. Because the name of the place where I received service is also reported, it reveals very personal information and in this case is a HIPPA violation.

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 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: IN

Complaint narrative:
Have previously disputed an account with Midwest Recovery Systems, and have had it removed before. Now 3+ years later they are doing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In the beginning of XXXX between XXXX and XXXX, I sent payment to my XXXX Mastercard using XXXX bill pay. Then when I received a notification that my payment was late I checked my account and noticed my payment went into an old store credit card for XXXX XXXX use only. I did not owe anything on that the XXXX store  card. I called the credit card services to fix the payment and asked why it was processed that way, and they let me know it was a glitch and they would adjust it. I received a statement from them with the comments that it was adjusted, however, they still charged me a XXXX   dollar late fee. Again, the following months when I would pay my XXXX mastercard, the payment would keep going to the old XXXX credit card. The representatives said they would said a letter to the credit bureau and let them know that it was an error and it would not affect my credit. Months later it continued to happen and I started getting collection calls in XXXX. I asked the company for the statements that would proved to me that I swiped a XXXX store  card and the date I " spent '' the {$200.00} dollars they claim I owed them and I would pay it with no hesitation. What I got from the company was that the they could not get me the statements. When I tried to log into my account to retrieve them, the statements had to be requested via email so they were no longer available online. I kept explaining to them that this is fraud and that I do not have a XXXX store card, that I only have a XXXX mastercard which I always pay on time. They told me they would look into it, but i kept getting different collectors calling me about paying this amount. This is fraud and I would like for it to be investigated. I do not owe XXXX/XXXX any amount of money. My account is with XXXX Mastercard. No where on the statements I was able to locate did it show that I used the card for a purchase.

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit report ( XXXX  TransUnion, and XXXX  ) are reporting collections information from a company called XXXX. The additional information being supplied by XXXX contains information about where and when I received healthcare. There is not an original HIPPA release form on file. Because the name of the place where I received service is also reported, it reveals very personal information and in this case is a HIPPA violation.

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 2020-04-23 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: GA

Complaint narrative:
I had a pass due amount of {$310.00} on the XXXX of XXXX. 
This came up after I was denied the income driven plan! I think it was two to three weeks after I worked as a waitress and lost that job and found work with XXXX and dealing with other bills like my car bill, utility bills and phone bill. 
I thank God my car lender was able to give me a three month extension over the COVID 19 and that, I did find another job considering the fact my car insurance renewal was coming up and they gave me up until XXXX to make that payment. 
I dont know whats really going on with FedLoans because, I tried getting the help I needed from them, way before we even knew about this Coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Midwest Recovery Systems
State: TX

Complaint narrative:
MIDWEST RECOVERY SYSTEMS FAIR DEBT VIOLATION AND FTC VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
This complaint is about the CARES Act, Corona Virus mortgage relief program. As I understand, if I have a federally backed loan, I can apply for forbearance for up to 180 days. I have a XXXX XXXX owned loan serviced by PNC Bank. I applied for forbearance due to my salary being reduced during this pandemic. I was told the only forbearance available was to delay my payments for 90 days, but that all previous three months payments would be due at the end of the 90 days. That's not much of a relief. 

I do not believe this is the proper response by PNC Bank and would like clarification on this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/2019 I was fraudulently over charged on my credit card for {$2100.00}. I notified the credit card provider, Barclays, and disputed the charge. Barclays acknowledged the complaint but never reversed the charge or processed the dispute.

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 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I disputed a transaction Bank of America on XX/XX/2020 in the Amount of XXXX for a service with XXXX XXXX XXXX. This is what was sent below. My claim was denied on the basis of duplicate billing, however I am not sure which reasoning this best fits under. The service was clearly not as described. 

Dear Claims Department : I am submitting this statement to defend my claim # mentioned above. On XXXX, XXXX XXXX XXXX charged my account in the amount of XXXX. I have attached the invoice, highlighting the areas of my concerns, minutes quantity and message quantity. These were items that I WAS NOT suppose to be charged for according to the updated agreement signed. In the agreement attached, I have highlighted the area where it CLEARLY states that SMS and call minutes were included in the FLAT monthly charge of {$590.00}. 

This program is a " Done for you '' system, in which virtual assistants send out texts and calls on your behalf. ( highlighted in the agreement ) The client does not control the amount minutes/texts that are incoming or outgoing. 

Please review the portions of the contract highlighted along with the invoice. I am sure you will find that this is a clear discrepancy. 

Thank You, 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 2020-04-23 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: PA

Complaint narrative:
CLAIMS OF COLLECTION MUST BE WITH PHYSICALLY PROVEN CONTRACT, TRUE, ACCURATE, COMPLETE AND COMPLIANT SO DELETE OR CERTIFICATE EVERY NOTE, DATE, BALANCE, AUDIT, IDENTITIES, SOURCE CODES, P6 STMNT OR PIECE OF CONFIRMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20, I went to the Bank of America ATM to withdraw money from my XXXX card, and the card does not get returned back to me. I call the XXXX number to request a new card be mailed to me but it disconnects. The line will not put me and hold and hangs up. Have tried numerous times since XX/XX/20 and I am unable to get a hold of someone I can speak to. Unable to do this online or through their chat.

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 2020-04-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
This company is reporting a debt I have never open in XX/XX/2020. Will not send validation paperwork and is reporting as accurate to my credit report I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: SC

Complaint narrative:
I received a couple of phone calls over the course of 3 days. I called the number XXXX that contacted me for the second time today XX/XX/2020. I got a rude unprofessional agent by the name of XXXX, Agent ID:XXXX. I advised that I was only 4 days past due and all of the excessive phone calls aren't needed and that it was a form of harassment. I then proceeded to let the agent know that I wouldn't be able to make my payment until next Thursday XX/XX/2020 and that she could set up an arrangement. The agent asked me for my debit card number and I informed that I didn't want to set up any automatic payments and that I would call my payment in as I've done several of times. This agent said rudely " well I am not setting up your payment arrangement and you will continue to receive calls ''. I then stated again that it's considered a form of harassment and in which her company could be sued for. I advised to cease and desist all calls and the agent stated again that she's not setting up my payment arrangement without a card on file. I asked for a supervisor and the agent ignored me, she either disconnected the call or muted the call and didn't reply back to me. I hung up and called spoke with another agent by the name of XXXX, she provided me with the previous agent name and agent id. I then spoke with a supervisor by the name of XXXX about the situation at hand, and so far have resolved the issue. She stated that they will pull call and review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 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: OH

Complaint narrative:
Equifax has inquiries that are on my credit report that I did not authorize. I sent Equifax a certified letter but I have yet to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
On XX/XX/XXXX I noticed a large disparity of my credit score with Experian ( XXXX  ) vs the other 2 major organizations ; XXXX  ( XXXX ) and XXXX  ( XXXX ). 

There aren't many differences with my credit history on all 3 and a difference of 80-100 points stands out as a problem with Experian. 

The issue I see with Experian is its reporting methods and inability to dispute. I filed Chapter XXXX in XXXX and I had approx. 20 ( give or take ) discharged accounts. Experian shows one account as in Collections and also shows the account discharged from bankruptcy. Mostly all the accounts that were discharged were in collections. They are all no longer in collections. I'm unable to dispute this. 

I'm thinking there are problems with their calculations. I'd like this checked out and they should allow disputing options for every piece of personal credit history THEY choose to report on.

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 2020-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: IL

Complaint narrative:
Due to Covid-19 I have lost my income ( hopefully temporarily ). I live in Illinois and my shop was forced to close due to the statewide shutdown on XX/XX/XXXX. I immediately applied for AES 's " disaster forbearance '', and was given confirmation of receipt of my message on XX/XX/XXXX. Since then, I have received only " past due '' notices. I have applied again and again through their system, each time only receiving confirmation of receipt, and then more past due notices and instructions on how to apply for the forbearance, for which I've applied multiple times. When I try to follow up on that I get nothing. They also note that they are reporting my delinquency to credit agencies every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: MO

Complaint narrative:
XXXX company amount is accurate tried to offered a lower amount for the debt to get it off my credit but company doesnt want to settle. I no longer owe the debt to the originators was sold to pro collect which is a collection agency.

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 2020-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
When purchasing the vehicle I was informed by both Wells Fargo and the dealership that in order to qualify for the loan I was required to purchase gap insurance. I was never given the option to purchase the gap insurance on my own and had to pay the {$590.00} at loan closing. Since then I have tried with both the dealership and the bank to be reimbursed for this fee as I have since been informed that this is not a requirement in order to be qualified for the loan. The bank is refusing to reimburse any of the fees as well as the dealership.

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 2020-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
CLAIMS OF COLLECTION MUST BE WITH PHYSICALLY PROVEN CONTRACT, TRUE, ACCURATE, COMPLETE AND COMPLIANT SO DELETE OR CERTIFICATE EVERY NOTE, DATE, BALANCE, AUDIT, IDENTITIES, SOURCE CODES, P6 STMNT OR PIECE OF CONFIRMATION

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 2020-04-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
CLAIMS OF COLLECTION MUST BE WITH PHYSICALLY PROVEN CONTRACT, TRUE, ACCURATE, COMPLETE AND COMPLIANT SO DELETE OR CERTIFICATE EVERY NOTE, DATE, BALANCE, AUDIT, IDENTITIES, SOURCE CODES, P6 STMNT OR PIECE OF CONFIRMATION

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