vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reached out to XXXX XXXX several times asking them to provide me with Validation of this item belonging to me. After making a complaint they sent me this XXXX XXXX Customer Agreement. I have also disputed this account several times with the Credit Reporting Agencies. Please contact the credit reporting agencies and remove this from my credit reports, It is affecting my credit score and hindering me from purchasing a home. 
Look at the .signature this isn't my signature, Address, or correct name as appeared on my license The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX also Put this account back in collections on my credit report. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to XXXX XXXX several times asking them to provide me with Validation of this item belonging to me. After making a complaint they sent me this XXXX XXXX Customer Agreement. I have also disputed this account several times with the Credit Reporting Agencies. Please contact the credit reporting agencies and remove this from my credit reports, It is affecting my credit score and hindering me from purchasing a home. 
Look at the .signature this isn't my signature, Address, or correct name as appeared on my license The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX also Put this account back in collections on my credit report. XXXX 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 2018-11-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a letter from XXXX XXXX in response to my dispute of inaccurate information being reported by Experian on my credit report. Both other credit bureaus are showing correct informatiion but XXXX maintains that what is reporting is accurate. According to the Fair Credit Reporting Act, all information being reported must be 100 % accurate and 100 % verifiable. By just looking at the excerpt from my current credit report ( see attached ) it is obvious that Experian reporting differs from what XXXX and XXXX are reporting with respect to Payment Status and the Comments section. XXXX   XXXX refuses according to their letter ( see attached ) to make any changes in its reporting.

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 2018-11-29 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: Westlake Services, LLC
State: TX

Complaint narrative:
XX/XX/2014 I received a message through fax from XXXX XXXX the recovery specialist stating once I paid the full balance of XXXX Westlake financial service would release the title ( which they did ) and would update the info on my credit report as paid in full ( which they have not done ) it is listed as legally paid in full for less than the full balance. I paid the full amount and I have been disputing this for years through the XXXX  and Westlake financial services. I have provided all the documentation as proof of this to XXXX and Westlake financial services. This has and continues to impact my credit and interest rates. Westlake financial services refuses to correct the information that is being improperly reported to the credit bureau. Recently I spoke with XXXX XXXX on the phone he informed me that he had looked over the documents and that the information is being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My Dad passed away in XX/XX/2016, He was XXXXyrs old in a XXXX XXXX.while there he asked me to have a lawyer to come there in order to do his will which I did but during the process he went into a XXXX   and died. I notified his bank ( Citibank ) and sent them a copy of his death certificate.to customer services in XXXX XXXX Tx. They in turn told me I had to contact the branch where he had his account which is in XXXX. The manager said I had to go to Probate court for an affidavit which I did and had it notarized. After waiting over 1 month for a response to hear from them, I called and was told that I have to get a different form and come into their bank. I explained I am a senior citizen don't travel much anymore and there is no Citibank here in Ga. Or send the samr documents back to XXXX XXXX Tx . They have been giving me the urn around for over 2 yrs. My Dad '' s name was XXXX XXXX.This affidavit which was given to me from the Probate court states that the institution to pay the amount of the said deposit up to {$10000.00}, my Dad has {$5400.00} in the account.

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 2018-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Go Capital Holdings, LLC
State: GA

Complaint narrative:
We bought a XXXX XXXX XXXX through XXXX, using their in-house financing solution, Go Financial. Somewhere down the line, a new provider, XXXX, acquired our loan. 

Since then, they have been texting me about this loan, nonstop. XX/XX/XXXX was the start of the exchange. Each time, the car loan was current with a scheduled payment already in place from a verified bank account with available funds. See below for the transcript. 

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Me : I don't consent to these kinds of text messages. Our bill is already paid Them :  Your scheduled XXXX payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your XXXX payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 
Me : Please stop Them : Thank you for your recent XXXX payment of {$290.00}. Please visit XXXX for full details. For help : HELP. To opt out : STOP. 
Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your scheduled XXXX payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your XXXX payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 

As you can see, they're sending these out without consent, which, even if given ( which, I doubt I had ), had been expressly revoked over a month ago. I am unable to resolve this issue without intervention.

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 2018-11-29 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I spoke to someone at Transunion and explained I was unable to get my credit report online due to a problem with the system. After checking he said that I would have to call another number and they would fix the problem. I called the number and was connected to the automated system. I gave the system the information requested and was told I should receive my credit report in 7 to 10 days. After 10 days I hadn't received the report, so on XX/XX/2018 I called Transunion again and explained that I hadn't received my report. The women said that she requested another report and I should receive it in 10 days. Again I didn't receive the report, so I called them again on XX/XX/XXXX and again I was assured that I would get the report within 7 to 10 days. Unfortunately I still haven't received the report even though I tried 3 times.

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 2018-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting to the credit bureaus that I have an outstanding balance on an old credit card account for {$530.00}. I am trying to clean up my credit, so I called XXXX XXXX, and tried to pay them. They told me that they no longer had my debt in their office. I have repeatedly asked them who does have the debt now, but they said they do not have that information. They are not giving me an avenue to resolve the debt, yet they continue to report it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Paypal failed to disclose all the requirements needed for the person to receive money. I wanted to try this service and read all the requirements they set forth however now they inform me the recipient must have a bank account or a credit card. She is a student and has neither. Had I read this information I would never have sent the money via Paypal. There are many other companies available. 

Transaction made on XX/XX/2018 Your recipient should have the money by XX/XX/2018. 
Paid with PayPal balance Transaction ID # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have PNC Virtual Wallet account that include Three account together ( 1 ) Spending, ( 2 ) Reserve, ( 3 ) Growth whenever balance low on SPENDING account they withdraw from RESERVE first then GROWTH, On XX/XX/2018 XXXX XXXX I recieved text message says " On XX/XX/18, PNC transferred {$3.00} from your overdraft protecting account ending in XXXX to your checking account ending in XXXX. '' " On XX/XX/18 PNC transferred {$0.00} from your overdraft protecting account ending in XXXX to your checking account ending in XXXX. '' After i read this message I checked my account on my mobile and that time in SPENDING ( CHECKING ) Balance $ XXXX and RESERVE ( OVERDRAFT PROTECTION A/C ) Balance was {$190.00}. I immediate run to PNC ATM and Deposit CASH {$100.00} around XXXX XXXX  and it should cover my -XXXX-XXXX= $ -XXXX  and rest should cover from my RESERVE ( Balance {$190.00} ) at around XXXX XXXX  I checked balance again and that time PNC bank under " Temporarily Unavailable '' and today XXXX XXXX 'On XX/XX/18, your PNC checking account ending in XXXX was overdrawn. I was acted realtime and made CASH Deposit to ATM that cover my negative $ XXXX at around XXXX XXXX. so I actively acted immediately for my checking account balance bring positive balance. I made More deposit on XX/XX/18 around XXXX XXXX and all my account are positive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
We have tried to get loan modification but were denied without a real explanation. In response to our loss mitigation application submitted on XX/XX/18 21st Mortgage denied us ( in their XX/XX/2018 letter ) because : " Based on 21st Mortgage 's judgment, you have not experienced a new significant life event resulting in a short-term inability to repay. You do not meet the criteria for any other loss mitigation program at this time. '' In our XX/XX/2018 loss mitigation application we indicated that our household income had been reduced because my wife had become XXXX and was out of work. We also indicated that she was receiving XXXX income and we could resume making payments. We submitted a copy of check stubs which clearly indicated that she was receiving " XXXX XXXX XXXXXXXX '' We are frustrated because XXXX XXXX XXXX rejected our earlier loss mitigation application on XX/XX/2018 for the exact same reason. If a person becoming temporarily XXXX at work is not a " significant life event resulting a in a short-term inability to repay '', then I don't know what is. It seems that the `company is arbitrarily not helping us. Please see attached loss mitigation application, temporary XXXX check stubs and denial letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I CALLED FOR DISPUTE AS A XXXX PERSON AND WAS REFUSED A CHANCE TO XXXX  AND WAS FOUGHT WITH WHEN I COULD NOT XXXX HIM. 

HE WAS VERY RUDE AND NASTY AND TOLD ME TO CALL BACK. HIS NAME WAS XXXX AND SO RUDE. 

AT FITST HE SAID NO ONE HAS HABD SETS AND HE SAID HE FINALLY GOT ON A HAND HELD PHONE BUT IT WAS HORRIBLE. 

HE DID NOT CARE AT ALL. 


HE WAS ABOVE RUDE AND VERY NASTY TO ME. I HAVE IT NOTED ON MY ACCOUNT, NOW THE SECOND PERSON IN DISPUTE IS REFUSING HELP TOO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This seems to be a collection account for an emergency room visit that occurred when my daughter XXXX her XXXX on XX/XX/2013. I had never received notification of this debt. I found out when I applied for a mortgage for a new home for my family. XXXX XXXX XXXX neglected to submit the claim to our insurance company so, of course, the claim was never paid. I contacted them to have them submit these charges to XXXX XXXX XXXX XXXX of Florida. They said they could not do that and to contact Commonwealth Financial. Commonwealth Financial is either unable or unwilling to submit these charges to the insurance company as they should have been over five years ago. This should NOT be showing up on my credit report. As a divorced mother of XXXX, this is impacting our lives greatly as I can not be approved for a mortgage with one income AND this hanging out there. Please help my family and I and remove this account from my credit report ASAP so we can move on, both with our lives and into our own house. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX is reporting to the credit bureaus that I have a balance with them from an old account for {$910.00}. I am trying to clean up my credit report, so I have called XXXX to make a payment to clear this. The representatives at XXXX are telling me that they no longer have this debt in their office, and do not provide me with any way to pay the debt. Since they will not accept my payment, it is unfair for them to continue to report it on my 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 2018-11-29 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: AZ

Complaint narrative:
I've been contacting Equifax since XX/XX/2018 regarding a fraudulent inquiry from XXXX XXXX that was placed on my credit. They wouldn't remove it, now I have a charge off/collections account from the same XXXX XXXX company on my credit. I have contacted all 3 credit bureaus and XXXX XXXX and it was in fact deemed fraud. A letter from XXXX was received & sent to all parties involved stating it needs to be removed from my credit report. Equifax is still not removing this item and it is preventing me from buying a home as it has dropped my credit score over 70 points. My data was part of the Equifax data breach and I believe that is how this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I signed up for this checking account with a sign up bonus offer of {$600.00}. 
I have met all the requirements and the same has been confirmed by the CITI bank customer care agents. 
The last date for the {$600.00} has already passed and In spite of multiple follow ups nothing has been done. 
Please Deposit the promised bonus. 
Thanks.

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 2018-11-29 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: ID Analytics, Inc.
State: IA

Complaint narrative:
I recently applied for a store credit card. XXXX sent me a letter in the mail saying i was denied because of a low credit score. They said my score is 250 points lower than it really is. I also never requested them to send me my score, it was just printed on the letter I received in the mail.

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 2018-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
I recently received forms from Pressler and Pressler representing XXXX XXXX. They had a judgment against a few years ago, and now they have a second one against me. I had to fill out an itemized form of all of my assets, bank account and income. 

I was never told they were going to do this, because last time I had a case with the cfpb under XXXX there were several cases opened. To stop the judgment and debt. I notified them in XX/XX/XXXX that all I get for income is XXXX, XXXX a month, and medical from the government. I give XXXX every month to XXXX XXXX to pay the cell phone bill XXXX, and the tv bill XXXX the rest is used for whatever bills he needs to pay. We are not married, I changed my name in XX/XX/XXXX to have the same name as my son, and XXXX was fine with that, I have the judge signed copy. Everything like the house and cars furniture washer dryer, kitchen appliances, anything like that he owns and has paid for. I own nothing except under 300 dollars worth of things. I have XXXX in rings, XXXX in facial wash and cleansers, XXXX in shower and bath products, a necklace chain XXXX on XXXX and a couple of pendants XXXX and hair and nail products. that is it. I have XXXX for the month from my XXXX, and that's it. I cant purchace much at all. Thatls all l live on for a month. He will help if he needs to. I don't understand this because I was told by XXXX that the debt was charged off, the judgment was taken off and Pressler and Pressler no longer had the case. So I don't understand how a lifetime judgment is being put against me, I will never be able to get married, or, bye anything or have anything that is mine. I feel worthless from this and my XXXX are getting worse which is what my XXXX XXXX is. Since XX/XX/XXXX, I have been trying to find a doctor to help me, but none can so far. So I am on XXXX for the rest of my life, and can not afford to pay you anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation