vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I was effected by Hurricane Harvy. I contacted my mortgage company and they put me on forbidden plan. We agreed that, I will have 4-6 months to pay my balance. On XX/XX/XXXX I called the bank to discus my account info and they asked me if I can make any payments, so I decided to pay a good faith payment of {$3500.00}. On XX/XX/XXXX I called and I paid {$7000.00} which is 14 days before my payment that scheduled on XX/XX/XXXX I was surprised that, they reported me as past due 60 days and that effected my credit score. I do not agree with that at all. My credit report was mentioned as effected by natural disaster and I lost my house and business. I made my full payment and bring my account current. There is no reason to be negative reported. All payments and pics are available and were uploaded. This negative report will raise the risk of me been past due in the future. I may loss my work and this could lead to struggling for the future payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: TN

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: TN

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX  XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX  XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   FOR XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a credit card account with Capital One for 5-6 years now. While I haven't used the card much in recent years, I keep getting monthly e-statements from them in my email inbox. 

On XX/XX/XXXX, I decided to login to the online account just to check things, and saw a banner there saying my account had been closed without me asking for it to be closed, or getting any notice. I initiated a chat with their customer support, which was quite frustrating with them giving me stock responses without explaining why they closed my account without even giving me notice. 

They claim they sent a notice to me 90 days before account was closed on XX/XX/XXXX. Interestingly this is at odds with what another representative told me earlier in the conversations, that notices had only been sent out XX/XX/XXXX, not even giving it sufficient time to reach me. I repeatedly told them I did NOT receive any notice, and that I had updated my new address well in advance of them sending any notice. After a lot of annoying back-and-forth, they admitted that the notice may have got lost in the mail, and so I asked them to re-open my account that was already there. 

They kept saying they couldn't do that, and that I can apply for a new account. Clearly after this experience I have no intention of applying for a new account. But my existing account being closed without even giving me a chance to take corrective action can have serious impact on my credit history, and is highly irregular on the company 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK INXX/XX/2005AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX BANK XXXX XXXX XXXX  ACC NUMBER XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX/ XXXX XXXX Account Number : XXXX CREDIT INQUIRIES COMPLETE DEPARTMENT STORES, XXXX  XXXX BANK XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: FL

Complaint narrative:
I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK IN XX/XX/2005 AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX XXXX XXXX/ XXXX XXXX ACC NUMBER XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX/ XXXX XXXX Account Number : XXXX CREDIT INQUIRIES COMPLETE DEPARTMENT STORES, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 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:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

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 2018-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: AR

Complaint narrative:
Westlake financial has me on a auto loan that I never signed for it belongs to my ex fianc which knew all my information so I'm guessing the car lot let him add me to the loan as a co applicant without my knowledge. I spoke with them and they told me to dispute it and they would take it off. I disputed and they didn't take it off even after explaining the situation. This needs to be removed off of all three of my credit reports because I will take this as far as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
We had been told by Barclays that that we had deferred interest if we made a purchase from XXXX. We need to respond to the email or call if we wanted this offer. We replayed to email, now we are being charged interest. And was told by a customer representative that we never request this offer so we are being charged 24 % interest on purchase attach is email from Barclays and at bottom our request for deferred interest 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 monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I received an alert on my credit report that I have an account placed in collections. It said for AR Resources. It says it was opened on XX/XX/2017 yet I received absolutely no communication from this company about this alleged debt giving me no time to dispute the validity of it or even pay before it hit my credit report if it was in fact valid. Under the fair credit act I am allowed 30 days upon receipt of a collections letter to dispute but with no communication from the collector how was I able to dispute? My rights were not given to me and clearly violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
I noticed this company on my XXXX  credit report, but have not received any letters of communication from them nor have I received a phone call. This company have not validated that this debt is mine nor have they verified any information is correct. I have sent many letters to them asking them to validate this debt and have not heard from them, it has been over 6 months, and I have still not heard from this company. The amount of debt they are reporting on my credit report is {$2200.00}. I do not believe that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems has put an account in collections that does not belong to me. I have had this removed from my credit report in the past because I have proved that it isnt my account, they remove it, then wait about 6-9 months and put it back on. Honestly this is harassment. I am in the process of buying a house and this continues to be a thorn on my side that I keep needing to have removed. Please stop allowing them to abuse my credit score, my finances and my right. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
I have requested that this company Optimum Outcomes Inc, send me proper validation that this account is mine and is correctly reporting to the credit bureaus, but they have failed to do so. I have been requesting information about this debt for the past 6 months and have not received any information. According to FDCPA : The collection agency has 30 days to respond to your request. If they dont, they are not allowed to make any more collection attempts on the debt. If they do, theyre in violation of the FDCPA. 
I have requested that Optimum Outcomes Inc. send me the below information : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 
Amount paid if debt was purchased : Commission for debt collector if collection efforts are successful : A copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt. 
A copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. 
A copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. 
Copies of all statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one )  Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : Authorized Signature For Creditor But since it has been more than 6 months I am requiring that Optimum Outcomes remove all information from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: ID

Complaint narrative:
In XX/XX/XXXX I filed for chapter XXXX bankruptcy and I continued to pay for the mortgage after the debts were dismissed. I never reaffirmed the debts. I stayed in this home till XX/XX/XXXX and lost my job so I could not afford my home. The home was worth less than I owed so a short sale was done. 
Currently I am trying to get a new loan in order to purchase a new home. The under writers are telling me that this short sale is showing up in the fha underwriting system even though it was covered under my chapter XXXX bankruptcy. 
I can not be approved for a loan because this is showing up as a short sale of less than 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I used Coinbase application.

On my Coinbase Account i had XXXX left, so i ordered to send them to my XXXX account on XX/XX/XXXX. 

I have never received the money on my account, so i sent them several emails to aware them. without any response. 

here is the information : Account : XXXX Coinbase account : XXXX Order : Send XXXX From Coinbase acount To XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
With date XX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX at the store # XXXX of the XXXX of XXXX FL. ( see Receipt # 1 ) On XX/XX/XXXX, I went at the store # XXXX of XXXX to transfer the Cell number XXXX and XXXX to XXXX, explaining to Sale Rep. that the line XXXX is not going away to use any more. 

The day XX/XX/XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) Then I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XX/XX/XXXX and made a payment of {$100.00} for this line that was not been used or had charged minutes since I transfer the other lines ( See Receipt # 3 ). Again I told the XXXX Representative that this line was not in use, he replied that is better is I will call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX cancelled the line ending on XXXX. 

After I made all this payments, I had been notified by XXXX  XXXX XXXX that I had reports on my credit for delinquent. I suppose this was the reason for the denial of credit lines that I was applied. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, until I received the last notification ( XX/XX/XXXX ) from the office of a lawyer Maury Cobb Attorney at Law LLC.  Asking me to pay a total of {$370.00}. 

I went several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior and with a good credit record that they are affecting. 

For this reason I demand that my credit wil be repaired by XXXX and leave this abuse and harassment. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: PA

Complaint narrative:
I had been using XXXX ( formly Active Hours ) since XX/XX/2017. The point of the app is that you take out a small loan, and pay it back in full, automatically on your next payday when the bank detects money in your account. 

In late XXXX I updated my bank account information to a new account as the one they had on file was not going to have sufficient funds to clear this amount and was in the process of changing to a new bank. 

On XXXX XXXX  removed {$50.00} and on XX/XX/XXXX they removed {$150.00} AFTER I had revoked authorization on this account and after I gave them an updated account to bill. 

I disputed it with my bank. They told me because it was an ACH debit that they could not reverse the transaction and I would need to contact XXXX. 

XXXX has no phone number to call, everything is done by message on the app. I've been around and around with them and they refuse to refund the amount that was charged in error, despite the fact they have my new bank account information. 

This has caused considerable issues for me with my bank account. I believe after I revoked authorization for them to charge my account they should have stopped charging it and used the other account I gave them!

Company response to consumer: Closed with explanation