vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 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: CA

Complaint narrative:
please find attached the police report and the FTC report for the items that are reporting on my credit file, by mistake or fraud. 
i have tried to fight with the bureaus and it has been unsuccessful, i need your help in order to remove these inaccurate public record and the XXXX account from my credit file. Equifax is reporting a Bankruptcy that does not belong to me, and XXXX is reporting the XXXX account that was opened fraudulently under my name, they have placed back the XXXX with out even considering me had been a Victim of ID Theft, please help me to remove these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
TODAY : XX/XX/19 I RECEIVED A THREATENING PHONE CALL ABOUT A MEDICAL DEBT THAT OWE FROM A REPRESENTATIVE AT ELEVATE RECOVERIES. I HAD NO IDEA THAT THE DEBT WAS EVER OWED DUE TO THE FACT THAT I MEDICAL INSURANCE COVERAGE AND HAD NEVER BEEN CONTACTED ABOUT THE DEBT IN THE PAST. I ADVISE THE REPRESENTATIVE THAT ONCE SHE SENDS THE STATEMENT TO ME IN THE MAIL I CAN PROCEED TO LOOKING OVER MY FINANCES TO SEE IF THIS IS SOMETHING THAT I CAN AFFORD TO PAYOFF OR MAKE PAYMENTS ON. SHE BEGAN TO BADGE ME OFFERING SETTLEMENTS, ADVISING THAT THE ACCOUNT WOULD IMPACT MY CREDIT, AND JUST REFUSED TO ACCEPT THE FACT THAT I WAS NOT ABLE TO PAY ON THE ACCOUNT AND I HAVE NO KNOWLEDGE OF EVER OWING FOR THIS DEBT. I ASKED THAT SHE REMOVES MY ***CELL PHONE NUMBER*** FROM THEIR DATABASE, SHE PROCEEDED TO BEING VERY CONDESENDING, PRACTICING DECEPTIVE COLLECTING ON MY ACCOUNT, SPEAKING OVER ME AND TELLING ME THAT SHE WOULD CONTINUE CALLING ME ABOUT THIS ACCOUNT BECAUSE I OWE THE DEBT. SHE WAS RUDE, YELLING, AND KEPT REMINDING ME THAT I OWED THE DEBT AND BECAUSE I PROVIDED MY CELL PHONE SHE WOULD CONTINUE TO USE IT. WHEN I ASKED FOR A SUPERVISOR SHE SAID THAT NO ONE WAS AVAILABLE AND EVENTUALLY JUST HUNG UP ON ME. I CALLED BACK SPOKE WITH A SUPERVISOR AND HE TOO KEPT BADGERING ME ABOUT PAYING OFF THE DEBT. HE OPENLY ADMITTED THAT ELEVATE RECOVERIES **DOES NOT REPORT TO CREDIT BUREUAS** ; I ASKED IF YOU DO NOT REPORT TO CBR ; WHY ARE YOU ALL USING THAT AS A REBUTTAL TO SCARE P [ PEOPLE INTO PAYING THESE DEBTS? HE SAID THAT WE JUST HAVE TO MAKE CUSTOMERS AWARE. I TOLD THE SUPERVISOR, IF YOU ALL ARE NOT THE ONES TO DO ANY REPORTING THEN THREATENING ME TO PAY BECAUSE ITS IMPACTING MY CREDIT IS A DECEPTIVE COLLECTION PRACTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Ive been trying to get PNC Bank to lift fraud alert since XX/XX/2019, and previously since XX/XX/2019. XXXX XXXX XXXX state its a bank issue, and PNC Bank says XXXX XXXX XXXX arent fully processing payment. Which is a lie, I can not even pay my bill online using WiFi, that means bank is stopping my debit transactions, slowed down my online XXXX XXXX XXXX XXXX and turned my data, calls, and texting off XX/XX/2019. All others transactions with my card work except XXXX XXXX XXXX, and expiration date is soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2018 ; I opted out of having my credit reports shared. XXXX XXXX has lower my credit limit significantly on my XXXX account, XXXX XXXX account, XXXX XXXX account and XXXX XXXX account using a credit score more than 60 days old. Equifax continues to violate my privacy by providing inaccurate credit reporting and outdated credit scores. Equifax reporting scores are nearly 100 points less than XXXX  and XXXX. This is affecting my ability to obtain credit with companies that use Equifax for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
I have a mortgage and escrow with Ditech. I received an annual escrow analysis dated XX/XX/XXXX that states only 1 of 2 county tax bills had been paid in XXXX. 

On XX/XX/XXXX, I both called and wrote an email to Ditech asking for clarification on the missing XX/XX/XXXX payment. 

Today, I received a letter from Ditech stating " all taxes are paid current and there are no prior year delinquencies '' without any verification or further explanation. Another copy of the XX/XX/XXXX escrow analysis was included which clearly states only 1 of 2 tax payments was made in XXXX. 

My county tax department shows I still have an amount due from XXXX. 

I have wasted too much time on this issue to deal with Ditech 's incompetence in researching their mistake. I will be cancelling my escrow with Ditech and file complaints against them as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I pay on time on their Website. They continually report me as paying late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: GA

Complaint narrative:
I have submitted multiple documents to Equifax in effort to resolve this issue ... XXXX XXXX is reporting on my credit file with Equifax and Equifax only ... .they claim that it was verified yet neither of the other 2 bureaus were able to verify this fraudulent account. I asked for the original contract with my signature on it ... ..for proof to validate this account ... .Equifax told me that they don't have to provide proof ... ..According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have sent in document after document which I have record of that this account is being reported incorrectly and or fraudulently. Equifax are some law breaking XXXXXXXXXXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: BB&T CORPORATION
State: KY

Complaint narrative:
I incurred over XXXX in FRAUD on my account which BB & T never once told me as it was happening. They tried repeatedly to tell me it was my fault that someone was buying XXXX cards and other fraudulent activities. Until I got the right person after months of phone calls to their XXXX #. They did not inform me as it happened daily and let the account go into a {$3000.00} overdraft and still did NOT inform me. I am a XXXX mom of XXXX teenage kids. I had to fight to prove it was fraud. After months of struggling financially due to their data breach and own negligence, they now tell me I'm responsible for the massive overdraft due to their mishandling of my account allowing over XXXX dollars to disappear out of my account over a period of 5 weeks. I am on medication and barely able to function with the stress they caused 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 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Dear Sir/Madam, its about reporting a collection on account of XXXX XXXX. few of documents are attached here with for your ready reference. i was resident of one of the apartment in XXXX XXXX. when i got the apartment, the price etc. was different & when they started billing me, that got changed. i was having a complaint of over charging, i talked to management & there was no resolve. on my regular follow up & arguments, Management had asked me to vacate the apartment & few days latter i got a eviction notice. i was asked to vacate that house means who brake the lease, not me but the management. i asked them to share the details of, XXXX XXXX ( Normally XXXX   Charge Trash in their Bills ) Management is charging is separate. Water Billing Trash etc. they dont have any supporting documents to support the billed amounts. its very high if you compare with other apartments. when i vacate the house, they had reported the Good Sum on my credit. i already had spoked with XXXX XXXX, no response, Recover Agency Name : The Phoenix Recovery Group XXXX XXXX XXXX if you review the attached bills, they charge it with no further details. XXXX XXXX Trash these bills must have separate supports. i was asked to vacate the house, who break the lease. its no me. Pls. help to resolve the issue & make sure management is not charging this to all residents. Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019, I received an email fromTransUnion regarding a dispute that I have on my credit report. 

The email stated that the results where ready for review and all I had to do was log in to their site to view the results. 

Prior to calling TransUnion, I attempted several time to login with the pass words that I created, also their web site would not allow me to up date my pass word. Please note that other than the web site in the email sent to me on XX/XX/XXXX, I tried other websites listed on the internet for TransUnion, with the same results. 

Today XX/XX/2019, I have spent over two hours attempting to log into my account and trying to speak to someone in their Tech. Support Dept. I was given several tel. number provided by TransUnion employees to call Tech. Support, each time, I received the run around. ( Telephone numbers I called : XXXX ; XXXX ; XXXX ; XXXX ). 

They said they checked my account against the personal information that I gave them and they could not understand why I could not sign in. 

This is not the first time I have encountered problems with TransUnion. All their agents have a foreign language making it difficult to understand them. 

TransUnion needs to education there on line employees much better than what they are doing now.

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 2019-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am looking for a refund on a fraudulent credit card payment with Capital One and money for my trouble. Capital One does not seem to want to get back to me regarding the issue. 
What should I do? Please investigate the total amount I paid. I also requested XXXX. for my trouble. 

Also, XXXX won't seem to take something off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: NY

Complaint narrative:
I am looking for a refund on a fraudulent credit card payment with XXXX XXXX and money for my trouble. XXXX  XXXX does not seem to want to get back to me regarding the issue. 
What should I do? Please investigate the total amount I paid. I also requested XXXX for my trouble. 

Also, XXXX won't seem to take something off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: IL

Complaint narrative:
I submitted a dispute to re-investigate 9 accounts on my Experian credit file on XX/XX/2019. I received dispute results dated XX/XX/2019. All 9 accounts were either updated or remained. Per the fair credit reporting act section 1681i 6Biii states ... 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; So, on XX/XX/2019 I asked for detailed explanation on who they verified info with and they verified info. 
On XX/XX/2019 I received a letter saying they are unable to honor my request because it is deemed frivolous .... 
How can they say my request is frivolous when its my right under the FCRA?

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 2019-04-08 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: NC

Complaint narrative:
XX/XX/2019 I put in a dispute for collection account XXXX XXXX XXXX XXXX for {$1700.00}, the original creditor is XXXX XXXX XXXX  XXXX. This is on my Transunion report that was disputed through XXXX XXXX. The XXXX is incorrect ; Re-aging is illegal. On XXXX I received an email stating dispute was completed, my account is correct and it will stay 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 2019-04-08 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a Chase Card Services - XXXX XXXX credit card account in XX/XX/XXXX, and purchased approximately {$800.00} in 2 weeks on it - nothing purchased afterward. I forgot about this card. 
The FIRST bill I received wasn't until XX/XX/XXXX! I called them right away to try and reduce the charges and pay off the account balance. I was told I need to wait a week and do this during the next billing cycle. I made a {$200.00} good faith payment right then. 
On XX/XX/XXXX, I talked with a supervisor on a recorded line. She told me that if I paid {$600.00}, then the account would be paid off, and I would owe nothing further. I asked her again if I would owe NOTHING FURTHER if I paid this amount and on a recorded line she repeatable assured me of this. 
The next month, I got a bill ( for something less than {$100.00} ), and called back on XX/XX/XXXX. I talked with another supervisor, XXXX, who cleared the charges and told me I OWED NOTHING. He also repeatably assured me on a recorded line that I OWE NOTHING FURTHER. 
I now have a new bill for {$49.00}. I called on XX/XX/XXXX and talked with XXXX, who said she could do nothing for me. 
After being lied to at least 6 times, and told at least that many times I owed nothing further, but I keep getting bills, Im contacting you for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08 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: The Receivable Management Services LLC
State: PA

Complaint narrative:
i checked my XXXX and XXXX report to see this account listed from RECEIVABLE MANAGEMENT for XXXX XXXX. I can not recall opening an account with XXXX as I am only XXXX year old. However, in a good faith, i would like to satisfy my debt by settling with {$170.00} to delete and remove the negative trade line from my report and credit as i am young, and trying to establish myself as an adult. I am newly married to an XXXX in the XXXX XXXX XXXX and we are trying to purchase our new home prior to him XXXX  to XXXX in six months.

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 2019-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fraudulent charges appeared on my account and XXXX from capital one told me that since this has happened before and because the chip was used, I will be charged for purchases that I did not make nor did I authorize. Capital one notified me of the fraud in the beginning which I didnt even know about and now they say I am responsible. They have no accountability and no desire to help their customers. She indirectly called me a liar. The insinuation that fraudulent activity does not happen to someone more than once in a one year was a foolish and disrespectful thing to say. After this, Im done with capital one. I will be filing complaints with every government agency you are regulated by.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XX/XX/2015 Reported Limit {$1700.00} Reported as Identity Theft Filed complaint with Credit reporting to have it removed. They have not removed it. 
Contacted the credit card company and they can not verify the debt belongs to me. 
XXXX XXXX is saying I owe them {$2300.00} took me to court and provided false documents and could not verify the debt was mine. I filed and appeal with the court and a counterclaim was placed against XXXX XXXX. awaiting court date.

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 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: AZ

Complaint narrative:
I went to XXXX XXXX in XXXX and submitted my insurance information. We also have a medical co- pay allowance of {$1500.00} thru work medical insurance. We did not receive a bill from XXXX XXXX and were sent to collections with no notice. I just received a notice from Plus Four after correcting fraud on my credit due to being part of fraud from my purse being stolen on XX/XX/XXXX and also breach with XXXX/XXXX. Plus Four put on medical debt on credit twice on XXXX, once on XXXX. I called XXXX XXXX and spoke to XXXX who did not have a reason for not sending bill, even though their reviews from patients mention the same issue. She told me to call Plus Four. I spoke to XXXX at Plus Four who told me I would have to pay {$10.00} extra for a receipt of payment to show medical bill was paid. Original bill was {$73.00} and had to pay {$95.00} including interest and {$10.00} for receipt to be mailed. Total of {$100.00}. I am upset since many reviews for XXXX XXXX mention not receiving a bill and getting sent to collections. No patient should have to go thru this to have their credit affected for a medical office not sending a bill so a patient can pay their bill. This violates the Fair Credit act. In addition, to charge {$10.00} for a receipt. Can you help investigate Plus Four for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I had a new car loan with citizens one, loan number XXXX, I have paid off this loan and I have received the title of the vehicle. Citizens one has reported to the credit bureau that I still owe them {$14.00}, and they send me installment loan statements to that effect. I have spoken to them a number of times, each time they assure me that the loan will be cleared, but it never was.

Company response to consumer: Closed with explanation