vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: VA

Complaint narrative:
I misplaced my XXXX XXXX card I continuously called XXXX XXXX for three days and got no answer. I even tried to send an email to the company  asking them to cancel my card and still no response. Finally I reached them on the third day, up until the third day my money was still on the card. At that time I had only XXXX left on the card that previously had XXXX on it. I was furious I called the police to get to the bottom of this and was given a police report number which I sent to the company along with the disputes of transactions on my cord. I later received a letter in the mail from XXXX XXXX saying no fraudulent activities had been done on this card. I couldn't believe it. What happen was my grandchildren ages XXXX and XXXX was playing XXXX on the telephone that I previously used to place an order on and the last 4 numbers to my card was still on the phone. The kids used those four number to log into the game and every time they hit the coin on the game it charged my debit card. Not knowing they was using my money on XXXX XXXX. I called XXXX and they was willing to word with me but XXXX XXXX refused to give me the information needed for XXXX to stop payment. This is a card that is used for my XXXX grandson and I would never authorize kids to use it to play games, that is just out of the question and I don't know anything about those games. I have custody of XXXX grandchildren and all monies received is for the car of the children. I can't find the police report number but I sent it with the report to XXXX XXXX. I can get it later from the police department and send it later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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 DISPUTED THIS ACCOUNT ( XXXX XXXX XXXX OPENED XX/XX/2018 ) WITH THIS BUREAU TIME AFTER TIME FOR THE LAST 3 MONTHS. I HAVE NOT RECEIVED ANY PROOF BACK OR ANY TYPE OF RESULTS. THIS ACCOUNT DOES NOT BELONG TO ME AND I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT. THE BUREU OS NOT COOPERATING WITH ME AND THIS ACCOUNT IS HINDERING ME FROM OBTAINING ANY FURTHER CREDIT.

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 2019-02-28 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:
inaccurate information showing on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I purchased an appliance from XXXX XXXX and bought an extended warranty on the product. I opened a charge account with XXXX XXXX with an implied agreement that the appliance would be in working order or be repaired under warranty. This appliance is not working and XXXX XXXX has refused to honor the warranty. They have failed to repair and/or replace this item. Now they are attempting to 'charge off ' an account but I feel I do not owe this balance because they are in direct violation of the extended warranty agreement. The warranty provides for repair or replacement of said appliance and was suppose to provide an additional layer of protection that my standard home owner 's policy did not offer. This is a direct violation Magnuson-Moss Warranty Act. Please remove the XXXX XXXX charge account tradeline from my report as this is a debt not owed.

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 2019-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have an account with XXXX XXXX ( Automobile Acceptance Corp. ). I got the loan in XX/XX/XXXX and have been paying on time until i became sick in XX/XX/XXXX until XX/XX/XXXX where I filed a insurance claim to pay for those months because I was out of work. I then made a payment n XX/XX/XXXX of about {$300.00} and something to bring my account to a current status. Beginning XX/XX/XXXX i have received almost 3 calls per week not including the calls that were made to my job for payment after I sated to them that I wanted to pay off my account at the end of this month. I requested a payoff online on Sunday XX/XX/XXXX. I  spoke to a representative on Monday when I received another call for payment verbally and was not given one but a date to pay before collections which was XX/XX/XXXX I stated to them once again that i needed a payoff and that i didn't get paid until the XX/XX/XXXX, no help, no progress. after hanging up with them I received a corresponding email to my pay off request that stated that I have until XX/XX/XXXX to pay the amount in full. On today XX/XX/XXXX i received a call once again asking for payment. I then stated to " XXXX '' that i did receive a payoff payment date and that I had to the XXXX to pay it off and that I was gon na pay it by tomorrow XX/XX/XXXX because  that when I would have the funds and that there is nothing i can do but wait until my check clears what more does she want me to do?! She then tried to tell me that that is not what that means and she stated i need to make a payment, I didn't like the tone of her voice so i told her she would get it tomorrow, have a good day and hung up. This is my 2nd loan with  them and i just don't understand how they could harass a person that's doing what they are supposed to do i'm not months behind the month isn't even over and they are hounding me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: MI

Complaint narrative:
I visited the XXXX XXXX XXXX on XX/XX/XXXX. The cost was {$220.00} which was paid by my insurance on XX/XX/XXXX. On XX/XX/XXXX this amount was moved to collections at Merchants Credit Guide. I had no idea any of this had even happened until XX/XX/XXXX when I applied for a credit card and was told I had something in collections. I called my insurance which said that they should've paid it and I never should have been billed in the first place. I called the XXXX XXXX XXXX and they said they had mailed me the bill over and over, but they had been sending it to the wrong address. After the due date was passed it was sent to collections. 
I logged into my insurance account online to see if I could find the original date of the doctor 's appointment that had started all of this. I saw that they had paid the bill just one month after my appointment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC
State: NM

Complaint narrative:
I have repeatedly contacted Ability Recovery Services which is a collection agency to correct the matter in which I have a letter from the creditor XXXX XXXX that states the account is closed and no debt is owed after filing for bankruptcy chapter XXXX- discharged XX/XX/2019. Ability recovery services has stated they cant close the account when I fact they did then 7 days later opened the account in collections as a new account. They have said that it is closed but they are not reporting it to the credit agencies as a closed 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 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I filed a prior complain to which the company did answer but didn't answer to the matter of the complaint. 
Shellpoint and I agree that the amount of {$1300.00} was taken out of my escrow account on XX/XX/XXXX. Shellpoint claims that " the last payment posted by XXXX XXXX XXXX on XX/XX/XXXX was the Shellpoint tax payment '' ... implying this " last payment '' was the {$1300.00} payment. This is incorrect. The tax collector did receive a payment on XX/XX/XXXX but the payment was only for {$680.00}. Shellpoint ONLY reflects one payment coming out of my escrow account on XX/XX/XXXX for {$1300.00}. These payments do not match on date or amount. If we assume the {$680.00} was taken from the {$1300.00} where did the difference of {$660.00} go? Shouldn't it go back to my escrow account? My escrow account doesn't reflect any deductions for {$680.00} or credits for {$660.00} ... only the {$1300.00} payment that still can not be verified as paid to the tax collector by Shellpoint. Issue has not been 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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : I placed a credit freeze in XXXX. Was issued a PIN #. TODAY I tried to lift freeze and am told I have incorrect PIN #. I NEED MY CREDIT TODAY, not in 2 weeks. I have all correct info. I DO NOT WANT THIS COMPANY HOLDING MY CREDIT HOSTAGE!

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 2019-02-28 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: CT

Complaint narrative:
In XXXX of 2018, I made a settlement offer with XXXX for three payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need XXXX XXXX to finalize my credit report to show XXXX balance, settled.

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 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I applied for a United Explorer Mileage Plus card because I received a card in the mail. I applied and was denied because they said I opened too many credit cards. I have an exceptional credit rating ( XXXX ), have no credit card debt, and have nothing against my credit. There is no reason to be denied a credit card. I wanted this card because I will soon be traveling with United and wanted to get my bags checked for free, not to mention the other perks that come with traveling with the card. I have a XXXX card that allows me to already do this and I enjoy using the card when traveling. So, basically, they are insisting I use another airline where I can use my credit card for perks. I have never been denied a credit card. I am just amazed that they would turn me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In XXXX of XXXX, I made a settlement offer with XXXX for three payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need XXXX XXXX to finalize my credit report to show XXXX balance, settled.

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 2019-02-28 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: CT

Complaint narrative:
In XXXX of XXXX, I made a settlement offer with XXXX for XXXX payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need XXXX XXXX to finalize my credit report to show XXXX balance, settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CT

Complaint narrative:
In XX/XX/2018, I made a settlement offer with Discover for three payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need Discover Card to finalize my credit report to show XXXX balance, settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: SC

Complaint narrative:
Equifax and XXXX are reporting me as 30 to 60 days past due on the XXXX/Auto account number XXXX. This account has a {$0.00} balance and {$0.00} past due. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: NC

Complaint narrative:
When checking my credit report I have noticed that XXXX XXXX XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/2018, XX/XX/2018 XXXX, XX/XX/2018 and XXXX   XXXX  XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX  XXXX XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX XXXX or the company that they are collecting for. 

I disputed this debt with Experian on XX/XX/2018, XX/XX/2018 ,XX/XX/2018, XX/XX/2018 and Experian has failed to validate this Debt and continues to knowingly violated FCRA. 

Experian gives me know options on their website to re dispute this debt as not mine. 

I recently received a response to a dispute on approximately XX/XX/2018, XX/XX/2018 XXXX, XX/XX/2018 that I made under FCRA XXXX ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation with XXXX XXXX. 


I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this CFPB complaint. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

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 2019-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: IL

Complaint narrative:
Check my credit report XX/XX/2019 I see first financial investment for collection I owe I dont company never got an phone or letter in mail just shows up on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I opened a Student Checking Account with PNC bank in XXXX. One of the benefits touted by the bank representative at that time was that the Student account and account terms would remain in perpetuity for as long as the account was open regardless of student status, and that the benefits of the Student Account would be enjoyed for as long as the account was open. PNC Bank has tried repeatedly to change my account type with my consent, but there was never any benefit to me as a customer to do so. I received a letter from PNC XX/XX/XXXX stating that my Student Account would be changed to a Standard Checking account without my consent. For over 15 years I have had this account knowing PNC could not change my account without my consent. Now the bank is attempting to pull the wool over my eyes and assert it is within their right to do so. They claim that my account allows for this, which it does not. They have agreed to send me a copy of the account terms however have not assured me that this matched my original account terms. I fear and suspect the terms have been altered without my consent as well to suit PNC 's goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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 — Card was charged for something you did not purchase with the card
Company: STATE FARM BANK, FSB
State: OH

Complaint narrative:
I was hospitalized and late making payment {$170.00} due XX/XX/19 I paid XX/XX/19 late fee {$27.00}. ( I ask the bank to waive ) XXXX statement charge of {$370.00} XXXX isn't my charge. I didn't make this purchase. I wrote and disputed this charge, XXXX I subtracted that fraud amount {$370.00} and I paid {$150.00} XX/XX/19 I received a letter today saying I have XXXX PAST DUE. 

This isn't true I have XXXX past due on this account. 

My account is current {$170.00} Paid {$150.00} Paid {$370.00} DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: DE

Complaint narrative:
I incurred a bill at XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. The billing was incorrect in that about a {$9000.00} insurance payment had not been applied. After I called and spoke with a representative of XXXX in mid XXXX, the insurance info was re-submitted and the remainder was my portion of the bill to pay. I made bi-weekly payments until XX/XX/XXXX when I paid the remainder of the bill ( {$100.00} ) in full. XXXX never sent me any notice stating that my account was sent to a collection agency. In fact, my balance was still on the website where my payments were received and as stated, I was still making payments on the balance of over {$200.00} dollars, bi-weekly. 

I did get a letter from a collection agency but I disregarded it because the balance was incorrect, I never received notice about my balance going to collections, I had never heard of State Collection Services and it looked like a scheme to impersonate a non-existent state agency, and XXXX was still showing the correct balance and accepting my regular payments. XXXX received the last payment on XX/XX/XXXX and I received a credit monitoring alert today, XX/XX/XXXX that a collection agency has posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: MN

Complaint narrative:
Hi, Someone tried to open a line of credit in my name with XXXX XXXX XXXX   and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the trans union report that I ran. I have made a police report with the XXXX  County Sheriffs Office and am waiting on the report to submit to XXXX XXXX XXXX. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, 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