vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX keeps changing the status of this account on my credit reports. First they were reporting that this account was included in a bankruptcy ( which I never filed for ). I immediately disputed that information and the bakruptcy was removed. Then the account was showing as a XXXX balance now this month it is reporting from XXXX balance to a balance of {$6600.00}. This information is incorrect. XXXX has finally removed this account off my report. XXXX just changed my report adding this balance from XXXX to XXXX which caused my credit score to go way down. This account has been agreed upon to remove off my credit reports. Every month it keeps changing and XXXX XXXX XXXX XXXX XXXX keeps adding additional information in the comments which is affecting my credit score in a negative way. How can a previous month report as a XXXX balance then this month report a balance of {$6600.00}. This was finally corrected and now were back to square one. I spoke with XXXX XXXX XXXX months ago and this problem was rectified now it 's reporting as I missed a payment that is 30 60 90 days late. This is crazy and I am submitting this complaint about XXXX XXXX XXXX XXXX/XXXX/experian about reporting false information and not fixing 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 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX I purchased a {$500.00} prepaid card at XXXX. Upon trying to use the card, it did not work. When I called the issuing company, it turns out that the card were used at stores and cities I have never been to. I filed a complaint with the company on XXXX XXXX and sent in the dispute paperwork on XXXX XXXX. Since then the company has refused to give me any update on the statuses of the card and they insist that they have up to 90 days to investigate the matter and return the funds to my card.

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 monetary relief
Consumer complaint received 2017-11-13 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:
XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said their INVESTIGATION determined that my identity theft ( which was acknowledge by the IRS ) was / is unrelated to the use of my information to get medical treatment. The IRS does not respond to 3rd party requests. It is very difficult for me to get through to the IRS on my own account. So how did XXXX arrive at that conclusion My signature is not shown or seen in any of the documents given XXXX XXXX has sent me a bill with a different address than my own from XXXX. 
The address written in for the affidavit was the address used at the time of fraud I have NEVER resided at XXXX XXXX XXXX XXXXXXXX in XXXX XXXX XX/XX/XXXX is the date of the letter not the date the letter was actually sent. No correspondence From XXXX was received until XXXX XXXX A spreadsheet with names and numbers does not verify this accounts as being mine. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX ( please see attached docs ) In their response to the CFPB XXXX claims to DEMOGRAPHIC information provided by XXXX. What information would that be? 
XXXX XXXX 's investigation and reporting are not lawful

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13 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: CA

Complaint narrative:
XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said their INVESTIGATION determined that my identity theft ( which was acknowledge by the IRS ) was / is unrelated to the use of my information to get medical treatment. The IRS does not respond to 3rd party requests. It is very difficult for me to get through to the IRS on my own account. So how did XXXX arrive at that conclusion My signature is not shown or seen in any of the documents given XXXX XXXX has sent me a bill with a different address than my own from XXXX. 
The address written in for the affidavit was the address used at the time of fraud I have NEVER resided at XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX is the date of the letter not the date the letter was actually sent. No correspondence From XXXX was received until XX/XX/XXXX A spreadsheet with names and numbers does not verify this accounts as being mine. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX ( please see attached docs ) In their response to the CFPB XXXX   claims to DEMOGRAPHIC information provided by XXXX. What information would that be? 
XXXX XXXX 's investigation and reporting are not lawful

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 2017-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Allegedly XXXX bought my mortgage in XXXX. I have yet to receive any statements in the mail. XXXX keeps calling my phone and hanging up. I filled out autopay fax form and sent it in with no response. XXXX fails all security setting. Site does not allow me to use a username name to login. They require me to fax stuff, it not 1980 anymore. And I get zero responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I 've been trying to understand the process for termination of the PMI based on LTV and am getting an unsatisfactory answer.
My understanding is that the LTV is based on the appraised home value or the value of the house that the loan was based on and not the original loan amount. Currently all responses whether called or emailed or mailed have all referred me to the original principal amount ( which was a refinanced amount ).
I 'm looking for the true LTV please. What was the appraised value when the loan was originated ( I keep receiving by mail the original borrowed amount ) and why ca n't we determine value based on the current appraisal by an independent appraiser, or even the current tax bill?
This approach seems deceptive and it seems to obfiscate responsibilities by M & T Bank for additional years of PMI.

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 2017-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I received a letter from the XXXX XXXX today stating I owe {$460.00} for XXXX XXXX Account XXXX with a date of service XX/XX/XXXX. I am contacting a Lawyer tomorrow! I read through this notice and saw on XX/XX/XXXX Capio Partners is saying I still owe {$97.00} after {$3400.00} has been paid! I called them and told them I paid this account in full in XX/XX/XXXX by settling with the collection agency. They then REMOVED THE COLLECTION from MY CREDIT! WHY IN THE WORLD ARE THEY NOW TELLING me I owe {$97.00}. This is not all! They send me a notice, same day stating I owe {$370.00}  for account XXXX. THIS COMPANY AND XXXX XXXX HAS YET TO PROVDE ME AN ITEMIZED LIST OF WHAT I AM BEING BILLED FOR WHICH IS A VIOLATION OF FDCPA! The have an auto dialer call me with an automated person speaking! I can never speak to anyone! They have time and time again ruin my credit! They place accounts in collections and then after months of fighting to prove them wrong, the accounts are removed. But my CREDIT is already impacted! I have a higher rate on my loans due to their erroneous credit reporting! This is still not all! Capio also has account XXXX, this is for my Son. I have issued TWO CFPB complaints XXXX, XXXX where Capio has FAILED TO ISSUE ME WITH AN Itemized list of the charges! Someone really needs to look into the charges for Capio account XXXX and XXXX!!! There is medical billing fraud with these two accounts. There is also violation of FDCPA and TCPA as well as UDAAP. The department of Justice needs to investigate XXXX XXXX, Capio Partners and  The XXXX XXXX! I have spent countless hours asking for a list of all charges and disputing the amounts owed and no-one is doing one thing! All they do is call 20 times a day, they are rude and threating! My Husband gets harassing calls every day for account ending XXXX! Again along with ago XXXX, I HAVE PAID FOR THE ACCURATE AMOUNTS OWED! I am being charged for items that I DO NOT OWE!!!! This is being proven by their content lack of ability to provide me a line by line list OF ALL CHARGE! It is really said I am being abused like this! I have XXXX XXXX who NEVER answered my request! They sold the account to Capio who then sold the accounts to The XXXX XXXX! I think they look for Women to take advantage of! I really do!!!! They threaten my Credit when I ask for the itemized list! Again FCDPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Whom It May Concern : I 'm in the process of working with a bank for a XXXX loan and have been conditionally approved. However, we are at a stopping point due to the bank not being able to provide me regulatory guidance as to why they require a mortgage statement and insurance documentation for the home my husband owns here in XXXX. I am not listed on any documentation for the home financing or insurance. I am only listed on the deed as a beneficiary should something occur. Additionally, my husband and I keep everything separate financially and do not share expenses. Also, we are not selling the home in XXXX. I am the sole applicant living in XXXX, seeking to purchase a primary residence in XXXX ( not a community property state ) since I am military and have pending orders for a report date on XXXX XXXX XXXX and close on a XXXX XXXX XXXX XXXX. 

My husband is not an applicant on the loan and I am not financially liable for our home in XXXX so I do not believe such information is required and believe potential discrimination may be occurring due to marital status as the bank has stated they require the mortgage statement and insurance documentation to determine my debt to income ratio. My credit report should have sufficed as the home loan for my husband does not reflect, and two months of bank statements reflecting my activity or lack there of pertaining to our home in XXXX My husband has not authorized me to release his personally identifiable information as he has not requested be an applicant for financing.

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 2017-11-13 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: CA

Complaint narrative:
XXXX/XXXX XXXX and the collector for this account, XXXX XXXX XXXX XXXX .... are wrongfully appearing on my TRANSUNION CREDIT REPORT. 
IN ADDITION XXXX XXXX XXXX .... IS wrongfully appearing on my credit report. 
I have NEVER ORDERED ANYTHING from these companies.EITHER someone has used my information to order or it is an error of the company.Also I have never received any product or merchandise from these companies.All 3 accounts should be immediately removed from 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 2017-11-13 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
since XX/XX/XXXX, there has been a freeze by XXXX on my credit file.i can not buy anything, my report either shows i do not exist or all o.over 40 calls to XXXX and they tell me it is not frozen.they sent me to trusted id and over 30 calls and i still can not get my credit there.i have been to three car lots and always get the same answer.i had one preson at the freeze department of XXXX have me send in copies of my id.no help as there is no freeze they say.out of the over 40, around 15 say XXXX had frozen my credit due to security breach, they said they were taking it off with no change.one gave me a confirmation number and when i called back it was a made up number.i do not know what to do i have exhausted every opition i know of.please help i do not know who to call or what to do.i do not want to lose my home or cards as they monitor credit.thanks for any help i am pass frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
In XXXX of XXXX, I shopped at XXXX, XXXX, XXXX XXXX, and only browsed XXXX. After the purchase, I received credit cards from all 4 merchants. 

XXXX -- product returned immediately, but they still showed charges of over {$40.00} XXXX -- charged for partial order, but was not aware. In XXXX they sent the item and started sending me bills for over {$60.00}.

XXXX XXXX -- product received, but they were charging me {$37.00} for the yearly card. 
XXXX -- looked for a particular item and left. I still received a card asking for yearly fee. 

Tried to call XXXX XXXX several times as well as store customer service, but nothing was resolved. I finally received a call from XXXX on XXXX XXXX, they listened to my complaints about receiving cards and they said they will close all and clear the accounts. However, as of XXXX XXXX, XXXX, XXXX claims I owe them {$58.00}. Spoke with the number provided and told them that account was cleared by the bank. They insisted it was not. I am suspecting the other merchants will do the same, harass me until they receive the money they think I owe. I am hoping that someone will help us before anything else happens. 

These merchants and the XXXX XXXX XXXX are committing fraud. They should be penalized and punished every possible way. They are misleading the consumer. As for me, I will not shop at the above merchants again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: CA

Complaint narrative:
XXXX XXXX credit card is reporting on my credit file an account and passed due balance that does n't belong to me. This was identity fraud and opened as I was a victim of fraud from two major data breaches. I have done all the steps capital one gas requested but they are still indicating this fraud account under my credit file which is greatly effecting me as it has a negative impact on my score and ratings. Again this card and information they are reporting indr this card does not belong to me. 

They have it listed as capital one XXXX XXXX XXXX XXXX XXXX XXXX Utah Partial account number XXXX ... 
I have reached out to them numerous times and they haven of done a thing to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Received a pre-approval for a credit card from Bank of the West. Offer expieres XXXX. They are not able to find the pre-approval offer they extended to me and want me to apply. I simply want them to honor the terms of their offer.

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 2017-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Premier Portfolio Group
State: IA

Complaint narrative:
XXXX XXXX has been calling off and on for well over a XXXX threatening legal action on some debt or bad check. I have attempted to have them mail me something verifying the information and have received nothing. They have called my home phone, cell phone, wife 's cell phone, my mother. My credit report is clean and there are no outstanding debts. I have not had a person checking account for several XXXX. I 've tried the do not call registry but they continue to harass. Everything XXXX read regarding them is that most cases are fraudulent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/XXXX, I went to PNC Bank branch to make a {$2000.00} withdraw from my checking account. 

XX/XX/XXXX, I went back to the same PNC Bank Branch to speak to XXXX XXXX after finding out from PNC Bank main headquarters that XXXX XXXX bank teller she was the one that opened a credit card application without my knowledge and without my permission. XXXX XXXX told me she did n't open an application, I told XXXX XXXX that the credit card application bares her name on it, she went into a frenzy and went on the computer and she stopped talking to me. 

I believe that I was single out because I 'm a senior citizen, my age and national origin. THIS MATTER IS N'T AN MISUNDERSTANDING IT WAS AN INTENSION AND DELIBERATE ACT TO COMMIT FRAUD FOR FINANCIAL GAINS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX is continuing her same old abusive servicing practices she was ordered to Cease and Desist in doing on, XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
I had XXXX service. For 4 months, they continued adding unwanted services to our contract trying to increase our bill every month. I contacted them every month to cancel the services that were never ordered by me but somehow showed up on my bill. After getting frustrated with calling every month, I contacted XXXX and told them just to cancel the service. The representatives I spoke to told me that I ordered the XXXX channels and the basketball ( neither of which I am interested in ). XXXX also tried to take this fradulent amount from checking account numerous times without my authorization. They were disputed with my bank and reversed. XXXX is well aware of the situation and it really angers me that they have placed the account for collection and now impacting my credit score. If XXXX did n't breach the contract by adding additional channels that were not ordered by me, I would n't have to waste my time dealing with this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a Capital one credit Card years ago. They cut the card off because they said they could not confirm who I was because someone got my information and they sent a card to Florida. That was fine I keep making payments and played it off. I did not heir from them for years and I assumed the account was closed and cut the card up. Then in XXXX XXXX-2017 I get a bill for fees on this account after not even hearing from them for years. I do n't have the card and I contacted them and all I get is the runaround about a password I no longer have. I have gone threw the hole proses twice and they tell me it will be taken care of but the next month I get another bill with more fees. I have had more ID problems as of late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Report inaccurate information through XXXX and XXXX, had information removed from trans union. Account reporting past due after being closed for over a XXXX Never heard back from credit report agency in XXXX  days.

Company response to consumer: Closed with explanation