vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have 6 hard inquiries with XXXX  and 4 hard inquiries with XXXX  I want deleted because I have no knowledge of my personal information being use to obtain to be use to collect anything on my behalf. I have made many disputes to solve this matter that continues to stay on my credit report an affect my ability to use my own credit. I have lost my personal credit card Sociel security card New York State identification card along with other personal papers work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 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: DISCOVER BANK
State: NY

Complaint narrative:
I have 6 hard inquiries with XXXX  and 4 hard inquiries with XXXX I want deleted because I have no knowledge of my personal information being use to obtain to be use to collect anything on my behalf. I have made many disputes to solve this matter that continues to stay on my credit report an affect my ability to use my own credit. I have lost my personal credit card Sociel security card New York State identification card along with other personal papers work

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I have been having an ongoing issue with cashcentral taking payments from my checking account on random dates without notifying me beforehand and they are not sending me receipts afterwords wither. On XX/XX/2018 I filed a complaint ( XXXX ) against them the first time it happened. It caused my account to be overdrawn and left me without any money and a pile of late fees as well. While they did eventually refund the money, they still have continued to charge me without notice or receipt. They admitted in the first complaint that it was an error on their end, but they have yet to take any actions to correct said error. 
I wake up today to find that my account is again overdrawn due to cashcentral. I am having extreme financial issues, which was the reason why I took out the loan to begin with, but I am now much worse off because of it. The last payments since my first complaint have been taken out on XX/XX/2018 XX/XX/2018 and XX/XX/2018. The dates of the last two payments are early and should not have happened. I am unfortunately living check to check at the moment and if these payments were taken out when they were supposed to be, I'd have no issue, but this has caused me an extreme amount of stress. 
I have not received any mail, email, or phone notifications from this company in regards to my payment scheduled payments since XX/XX/2018. These payments are supposed to coincide with my paydays and be taken out every two weeks on Friday. I am now yet again dead broke with no other option other than to wait for this complaint to be received and reviewed while I struggle to find money for food, travel, and other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
XXXX XXXX Hospital. Service Date XX/XX/XXXX. 
Indicated patient part due XXXX. Paid on XX/XX/XXXX. 
Never had any documentation or bill sent after that. No phone call, No bill. 
Then on Saturday, XX/XX/XXXX, I received a bill from a collection agency. 
XXXX XXXX XXXX because I had insurance, they said they never received a bill from the above hospital. I have requested by phone and fax that they ( XXXX ) send me an itemized bill, and they have yet to do that. People don't want to do there job, so its just easier to set it aside and wait right before the statue of limitations is about to run out and then turn it over to a collection agency. The bill could have been paid off by now, and not be on my credit report. There are tons of people out on the internet that companies are using the " Parking Practice '', rather than spend time trying to collect it. There should be procedures in place that they have to follow as well. Three times and you're out. Then turn them over to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Since XXXX of XXXX, a mark on my credit report was reported to the Bureaus by XXXX XXXX that I was 30 days late on payment in XX/XX/XXXX ( this did not appear until the above date ... prior to XX/XX/XXXX it was reported as paid on time ). This is inaccurate. First of all, my payments are set on auto withdrawal. Next, every single customer service representative at XXXX XXXX that has looked at my account ( which is several times ) has acknowledged that I have never been late ( this includes several notes from their credit dept promising to fix the issue according to the customer service representatives that I have spoken to several times. ) Finally, I have documentation from my bank showing the withdrawal of funds as well as the payment history from XXXX XXXX from their website indicating my payment was received on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 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: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Bank visa card had a promotion which I selected -- 10 % cashback at XXXX XXXX restaurant. On XX/XX/2018, I went to XXXX XXXX and spent {$100.00}. The charge appeared on my statement but PNC will not give me my 10 % back because XXXX XXXX the payment as XXXX XXXX XXXX, which is the location of the XXXX XXXX. Nowhere in the promotional material viewed by the consumer does it state that the promotion was location specific nor is it possible for the consumer to know prior to the purchase how XXXX XXXX titles their restaurants credit card payment. PNC states since it does not say " XXXX XXXX '' I don't get the cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was a victim of the DATA BREACH FROM EQUIFAX ... and a major victim of identity theft ... and to be honest with you XXXX and XXXX XXXX great, they helped resolve all the issues I have had as a result from the DATA BREACH. EQUIFAX is still reporting fraudulent information and I have a 200+ credit score difference with Equifax .. I disputed this account for over 2 years now ... have police report from Washington DC and they still report it, ... I Dont know what to do because so much of my credit file that was me is now gone and all that is left is the FRAUD with Equifax and I can't get rid of it ... There is literally 5 closed accounts of mine that have been deleted or removed from all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: GreenSky, LLC
State: IA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. While reviewing his credit reports he found a fraudulent related inquiry from Greensky made into his XXXX, XXXX  and XXXX   credit reports, created XX/XX/2018. An account was established using his information without his consent. An official dispute of this account was mailed to Greensky however stated the information used to hold Mr. XXXX liable for this account was an address that matched the address we provided for dispute and a phone number. A police report was provided as well as FTC fraud affidavit. My client has also had a fraudulent account established with XXXX in the amount of {$5300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am the third party. 

On Tuesday, XX/XX/2018 my wife received a voice mail at XXXX from XXXX with XXXX XXXX XXXX. I called them back and they confirmed they were a debt collection agency and that they were attempting to contact our neighbor, XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX. 

We have no relationship with this company. We have no relationship with, nor even knew of the existence of, their customer XXXX XXXX. 

This company randomly obtained the phone numbers of people living close to Mr XXXX and decided to call his neighbors in an obvious attempt to shame him. This is an unfair collection tactic.

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 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: MD

Complaint narrative:
I have been trying to get a loan mod from Selene Finance for over a year. 
Selene Finance has refused to give me any notification that they denied my loan modification request. I was only told over the phone by XXXX that my loan mod request was denied 5 times and there was no reason for the denial. Now they are notifying me that they will auction my house on XX/XX/2018. 

At mediation earlier this year, the lawyer for Selene Finance lied in mediation three times in front of the judge. He said he had sent me a loan mod package. He said I did not accept a loan mod package he sent. And he said that I had never sent a loan mod package ( which contradicts his first two lies ) ; He presented a loan mod package in mediation which was basically saying pay the same mortgage you can't afford to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: PA

Complaint narrative:
Since XX/XX/XXXX, a mark on my credit report was reported to the Bureaus by XXXX XXXX that I was 30 days late on payment in XX/XX/XXXX ( this did not appear until the above date ... prior to XX/XX/XXXX it was reported as paid on time ). This is inaccurate. First of all, my payments are set on auto withdrawal. Next, every single customer service representative at XXXX XXXX that has looked at my account ( which is several times ) has acknowledged that I have never been late ( this includes several notes from their credit dept promising to fix the issue according to the customer service representatives that I have spoken to several times. ) Finally, I have documentation from my bank showing the withdrawal of funds as well as the payment history from XXXX XXXX from their website indicating my payment was received on time.

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 2018-08-01 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: PA

Complaint narrative:
Since XX/XX/XXXX, a mark on my credit report was reported to the Bureaus by XXXX XXXX that I was 30 days late on payment in XX/XX/XXXX ( this did not appear until the above date ... prior to XX/XX/XXXX it was reported as paid on time ). This is inaccurate. First of all, my payments are set on auto withdrawal. Next, every single customer service representative at XXXX XXXX that has looked at my account ( which is several times ) has acknowledged that I have never been late ( this includes several notes from their credit dept promising to fix the issue according to the customer service representatives that I have spoken to several times. ) Finally, I have documentation from my bank showing the withdrawal of funds as well as the payment history from XXXX XXXX from their website indicating my payment was received on time.

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 2018-08-01 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX, Account number XXXX. I have disputed this account with Equifax confirmation number XXXX as Fraud and provided Equifax with a copy of my Police Report. Equifax had not removed this this fraudulent account from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 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: IL

Complaint narrative:
My online bank sent two payments to chase for a large sum of money on XX/XX/XXXX and XX/XX/XXXX. After being unable to resolve this with my bank, I realized that I needed to get chase to electronically refund the money. On XX/XX/18 and XX/XX/XXXX we spoke to XXXX and XXXX and XXXX who assured us that the information sent would be good but we would have to wait 3-5 calendar days. XXXX on XX/XX/XXXX said he would call back to make sure everything was ok, he never called. On Monday XX/XX/XXXX we spoke to XXXX who said that our payment was processing. He even gave a time of XXXX XXXX but we needed to wait 3-5 days. Wednesday, XXXX from Chase said that we were given an incorrect time frame and we would have to wait 30 days. She asked us to hold and came back and said she was incorrect and said it would be 3-5 days from Monday and to wait until Friday. Friday XX/XX/XXXX we spoke to XXXX who was great and actually the only one who called back because she realized that we had a serious issue. She transferred us to XXXX who told us that we needed more information which we promptly faxed to them. He said it would be 3-5 days. The following week was filled with more 2 hour phone calls and incorrect information. Chase informed me on Wednesday XX/XX/XXXX that it would be 30 days. What?? They had an extra payment and wouldn't return my money and actually stalled for two weeks. On Friday XX/XX/XXXX we reached XXXX who finally sent the information on to their back office and we received a phone call back saying that the information was sufficient and they would refund my money within 3-5 days. After multiple phone calls over a period of two and a half weeks that totaled over 25 hours I finally received my money. It is shameful that Chase held a large sum of money and had no pathways to help to resolve the issue in a timely manner. The majority of the payment specialist did not care to help me and incorrect information was given multiple times. Each phone call lasted over 90 minutes some over 3 hours. Chase 's customer service is really horrible. Thankfully, my personal banker helped me with these phone calls and I was able to get my money back. Had I not had him, I believe that this issue would not have been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JH Portfolio Debt Equities, LLC
State: MA

Complaint narrative:
JH Portfolio Debt Equities for amount of {$2100.00}. I have filed a report for fraud and JH Portfolio Debt Equities is still harassing me by reporting this fraudulent account to XXXX credit report agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
This has been ongoing since my mortgage company was switched from XXXX XXXX XXXX to M & T Bank. M & T Bank has started to harass us none stop. They also increase our mortgage for various reasons and when asked why we can never receive a direct answer. They also call our phones at least 2 and 3 times a day. The first problem started when our company was switched about 5 or 6 years ago. They immediately increased our mortgage from XXXX to XXXX and when we asked about it they stated it was a short in escrow. The threaten to foreclose our home if we didn't pay a little over 7k. After we became current for a while our mortgage maintained at XXXX, but around XX/XX/2016 after the birth of my daughter we went through a loan modification and had to pay at least 3 payments on time to receive the modification. Once in the clear we were able to go back to paying XXXX. About 6 months ago we received another letter stating our escrow was short and we would have to XXXX instead of our XXXX a month. When we ask for documentation or clarification we get told they will send it in the mail, but on numerous occasions we have not received anything. We became current by paying online and they are now stating they are not receiving the online payments. Now we have 2 different confirmations and once we tell them the confirmation numbers they state they can't pull the confirmation numbers up. It has lead to us having 2 to 4 mortgages coming out of our account and having to pay overdraft fees to our banks in regards to it. We have also asked if we could separate our escrow and they state they couldn't do it. Just recently they listed us as foreclosed because they told my wife that I was deceased, and that she will have to be removed from the house if she couldn't afford the mortgage. As of now we have paid 2 mortgages back to back and every time we get current they state we are behind again. We are confused and are asking for justice to be served. They should not be able to harass and discriminate against their customers.

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 2018-08-01 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: NJ

Complaint narrative:
As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, XXXX as well as Transuion are all in violation of 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 2018-08-01 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: NJ

Complaint narrative:
As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, Equifax as well as XXXX   are all in violation of the FCRA ...

Company response to consumer: Closed with explanation