vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 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: FL

Complaint narrative:
I have reported four times to the Equifax that the same item was placed on my credit report and it was incorrect. I have sent them documents each time demonstrating that the same item, which was for {$140.00} was not owed. Three time they have removed the item, after their investigation demonstrating that I did not owe the money. 

Twice now I have reported the false reporting of this item to the Consumers Affair Bureau under complaint number XXXX and XXXX. The first complaint was closed out demonstrating that I did not owe the money. The second complaint is still open with the Consumers Reporting Bureau, however I received notice from Equifax on XX/XX/XXXX that they have verified the information that I owe the money and closed the case. 

This has come full circle, as once before Equifax stated that they had verified the information for the same item and when I requested to see the information, they changed course and removed it from my credit report, as verification did not exist. 

This time I contacted the collection company ( XXXX  ) directly and requested the verifying information that I owed the money. I spoke to XXXX XXXX on XXXX at XXXX XXXX. Ms. XXXX stated that she did not have the verified information, but that a letter had been sent to XXXX on XXXX requesting the verifying information and a break down of the invoice. She advised that she would send the itemized bill to me for review and verification. The only item I have received is a new invoice requesting money with no backup information to support their claim. 

Amazingly enough Equifax somehow was able to verify the collection company 's claim on XX/XX/XXXX, when the collection company had not received verification themselves by XX/XX/XXXX. No verification has been provided to date or at any time during the last five years. 

Additionally, last Equifax report states that this delinquency was initiated XX/XX/XXXX. This issues has been in issue since XX/XX/XXXX at which time it was well documented, that I did not owe any money to XXXX and that they were paid in full. 

I am requesting for the fifth time that this item be removed from my report and that I be provided the documentation demonstrating that this money is owed. In addition, I am requesting that all my complaints with the Consumer Finance Bureau be  included in my credit file to be reviewed with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
On XX/XX/2018, I was contacted by Chicago Title because two real estate transactions, both selling my home and purchasing a new home was taking place the next day on XX/XX/XXXX. Chicago Title failed to discover a lien on my property from XXXX XXXX, a bank I had a 2nd mortgage with prior. During a Chapter XXXX Bankruptcy, some 8 years before, the debt was discharged but the lien remained. Chicago Title came up with a solution to their oversight and that was to hold back $ XXXX from the sale of my property, which remains in escrow today, almost a year later. They also had me sign a performance lien and attached it to my new property. As you can see from the attached document, they had me sign it the night before closing and I had no time to review with anyone and was told I had to sign or face multiple lawsuits from my buyer and my seller. I felt I signed under duress and felt it should have been Chicago Title 's professional responsibility to discover this lien earlier. If you click on the hyperlink on the document, you will see the performance lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Trying to dispute accuracy of the fraud on bank account thru Bank of America some gained access to my online checking account and try to deposit fake checks into my account causing account to be closed down this happens on XX/XX/2017 And the amount was {XXXX} is invited a fraud document stating that It wasnt me but they are still reporting the account as if I did fraud, Im trying to open up a new account but I cant anywhere because of the fraud reported to the XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
We updated our mortgage auto payment online and received a letter from the mortgage company in the mail showing our names, address, routing number, account type, and FULL checking account number. All of the information was prominently displayed. No asterisks or hidden symbols to cover any information. I called the company and the mortgage representative said if Im concerned about my mail being stolen that I should purchase a {$15.00} lock box. I spoke to his supervisor and she said that it was a common business practice to display all of the account information for verification purposes. As someone who knows people affected by identity theft, I was appalled.

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 2019-06-26 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: Direct Recovery Services, LLC
State: ID

Complaint narrative:
Direct Recovery Services called my phone at XXXX on XX/XX/2019 and left a threatening voice mail regarding an alleged XXXX? debt owed by someone who I believe is my niece, XXXX XXXX. I have not communicated with my niece in well over 20 years, have no knowledge of her location or phone number, and had no idea that she had a debt to a collection agency. 
This voicemail message went well beyond attempting to determine the debtors current contact information and is clearly in violation of the FDCPA which " prohibits a collection agency from discussing your debt with your family, friends, neighbors or employer. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: MS

Complaint narrative:
My credit report with TransUnion has information that do not belong to me & things that I have never applied for listed on my credit report. I let them know this was an issue previously but they did nothing to fix it. I have given them an identity theft report as well as a police report about the accounts from XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, and a few accounts listed with Dept of EducationXXXX account numbers start with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I must be provided with a bill which reflects the proper amount from the original creditor, XXXX. As stated, on page 4 of the XXXX bill, I am to receive a credit upon return of the equipment. I have an invoice for XXXX XXXX equipment returned to XXXX  which was provided to the collection agency contracted by XXXX. The serial numbers on the XXXX  bill & equipment return invoice are identical & verifies that the debt is on my credit report is incorrect. I originally contested this debt on XX/XX/2018. In XXXX of 2018, I disputed the debt with XXXX, I was informed by XXXX that XXXX  must remove the negative information. XXXX has not removed the information, as yet. Various collection agencies have seemed to completely ignore the invoices from XXXX showing the return of the equipment. My attempts to contact XXXX  for for assistance are unsuccessful because it is a closed account & I am connected to the collection agency that is handling XXXX XXXX accounts, which is why I am contacting the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This showed up on all 3 major credit bureaus as a collection item on my credit report. There was no notice ever sent by Portfolio Recovery Associates. I sent a letter to them requesting copy of original statement with my signature and they have failed to respond to the two letters sent certified mail. Unless they can provide proper documentation showing my signature this must be removed from my credit reports on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: MN

Complaint narrative:
Have reached out XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 in regards to debt validation. I received letters each time stating they have validated the debt as mine without providing proof of validation. When I reach out to these individual companies myself, they also fail to provide proof.

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 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
THEY CALL AT ALL HOURS. NAME IS GILA CORPORATION. I DON'T OWE THEM ANY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: U.S. BANCORP
State: MD

Complaint narrative:
Hello I have been customers of Us bank for over 2 years We had a secured credit card and was offered to upgrade to an unsecured card on XX/XX/XXXX We clearly asked if our credit would be run to change to an unsecured account and told no it would be based off our payment history with US Bank and I would receive other offers in the mail if we qualify We received new cards in the mail for our new unsecured line of credit for the same limit of 300 However our credit was run I called to ask for a solution to reverse the inquiry to the credit bureau or give us a higher line of credit as 300 is not acceptable when our credit is good and we have other cards with 10x the limit The supervisor XXXX was not helpful and directed us to dispute with the bureau We requested to cancel our account as we were deceived and the supervisor could care less We will be filing a complaint with the FTC and federal reserve These are deceiptful business practices

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 2019-06-26 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: PA

Complaint narrative:
I have no knowledge of the following account XXXX XXXX XXXX XX/XX/2017. Please investigate to insure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an email from Citibank that I would receive XXXX Thank You Points toward my account if I referred my friend to a Citi Premier Card with the stipulation that he spend {$500.00} in the first few months of that card. I referred a friend and he was able to reach that required amount of spend. It has been roughly four to five months since I have referred my friend to Citi and they have yet to give me my promised XXXX Thank You Points. I want my promised points, I'm tired of calling in. My case has been documented all over Citi bank 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 non-monetary relief
Consumer complaint received 2019-06-26 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: DISCOVER BANK
State: OK

Complaint narrative:
Basically there are charges on my Discover credit card from a fraud case I have made police reports reported it gone through an entire process and they keep rejecting it and claiming that the charges are mine and they keep saying that its not a fraud even though I have not made the charges I have on the card my bank is who made me aware of it I had no idea has not been resolved its been over one year

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Been paying on time for years, had to move to monthly payments, when lost job and lowered monthly payments, got job in XXXX XXXX, moved, barely missed payment deadline, started receiving plentiful and aggressive phone calls where they didn't listen to a word you said and kept pushing. ( It was lunch break, at the XXXX, told them that I don't verify information to cold calls an that I would call them back, or pay online, completely ignored me and kept pushing for my personal information. I was current about a few hours later, but I was still receiving calls in the interim. ) This is terrible harassment, to a customer who has been paying faithfully. I am disgusted that I was treated so aggressively. This company is a Government entity and should know better by now. 

Get this company in line with practices that are good for the public. The government, banks, and education systems made this a problem. The LEAST they can do is not be awful about it and treat people with respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I XXXX XXXX ; XXXX am writing you today as an aggrieved man. I notified PNC Bank of unauthorized transactions on my account a week ago. I have yet to receive my stolen funds back into my account! The claim number is as follows, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: PA

Complaint narrative:
I have no knowledge of the following account XXXX XXXX XXXX Opened XX/XX/2017. Please investigate to ensure there is no fraudulent activity.

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 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
The following was my message to HSBC. 

" My credit card account ( XXXX ) was closed after HSBC asked me to use it before by the XXXX of XXXX because it was INACTIVE. I made 2 charges and now there is balance of {$130.00}. There is NO WAY to make this payment. I need access to resolve this issue QUICKLY. If I don't hear from you by the close of business XXXX XXXX, 2019, on how I can complete a payment, I WILL FORWARD this COMPLAINT to the https : //www.consumerfinance.gov/ or The CONSUMER FINANCIAL PROTECTION BUREAU. HSBC does have to LOCK me out before I can make the payment. This looks like a XXXX  PRACTICE to get me to DEFAULT on my payment so that HSBC can hit me with LATE FEES and PENALTY. I called your customer service and an bunch of XXXX who CAN ONLY SING ENGLISH was TALKING XXXX. I need professional RESPONSE from people who are interested in RESOLVING this ISSUE. '' I contacted HSBC via their INTERNAL messaging service and they DID NOT HELP in resolving this issue. HSBC practices FRAUD and XXXX via OFFSHORE CROOKS. Their MANAGEMENT at HSBC thinks that EVERYONE in the US as STUPID as they are. 

My phone number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I spent almost 2 hours trying to pay in full my mothers car loan with USAA today XX/XX/19. First I talked to the estate department ( which by the way is useless, I can see their only goal is to collect money which I was trying to do but they would not take it ) then they had me on hold for 30 minutes to transfer me to the loan department. After being on hold for 30 minutes I hung up. Then I called the loan department. They put me on hold for 30 minutes to transfer me to the estate department. When I spoke to the estate department they told me I had to pay off the loan with the debt collector XXXX. This is where I have a real problem with this process. When I spoke to XXXX a few weeks ago they told me I would not get the title for 60 days. The estate department was sure to advise me that there is no coverage on the car unless I am using it for estate business. So USAA is holding me hostage with a car that I will have paid off and that I can not register and get insurance on and therefore can not drive, since I dont have a title. This is not fair and is not right. I had a car loan with USAA and when the loan was done I got my title in 2 weeks. I would think that when someone dies USAA would like to actually be helpful instead of a hinderance and then people would want to do more business with USAA since the process is easy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED COMMUNITY BANK
State: NH

Complaint narrative:
XX/XX/XXXX I made two purchases online. The seller sent fake coins. 

XXXX XXXX XXXX MD XXXX XXXX  XXXX   XXXX MD XXXX I returned both orders back to them XXXX. 



XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I met this sneaker XXXX seller on XX/XX/2019. I messaged him for a price on a specific pair of shoes, and he replied with the price of {$300.00}. I told him I would pass but Ill renegotiate the next week. After that one week he messaged me asking if I wanted to buy the shoes, but I denied him again because I just finished paying my college books. Fast forward a couple months and I message him again for another specific pair of shoes. He said he had them in hand and would sell them to me for {$200.00}. I thought it was a good price so I went ahead and asked him how to pay. He told me to pay through XXXX which was a feature on my banks app. I sent him the money and he told me he would ship them the next day and that the shoes would arrive in 3-4 days. A couple days later, I asked for a tracking number, but he never responded. He stopped replying to my messages whenever I would ask him a question. Sadly, I never received the shoes, and he walked away with {$200.00}.

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 2019-06-26 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: PA

Complaint narrative:
I have no knowledge of the following account XXXX   XXXX XXXX Opened XX/XX/2015. Please investigate to ensure there is no fraudulent activity.

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 2019-06-26 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: AZ

Complaint narrative:
I hired XXXX 's XXXX to repair a power outlet on my computer. They came out to my house XX/XX/XXXX to do the repair. The charge was XXXX. They did not fix the problem, I called them back to fix the problem yet again. They came back out on XX/XX/XXXX and charged my card XXXX without my consent. The problem was still not fixed. I called them again and this time they would not return my calls. I disputed the charges with my credit card company because the service I paid for was not received. The said that by just showing up at my house I owed them the money they charged me. {$260.00} later computer is still not working and Chase is refusing to help me.

Company response to consumer: Closed with explanation