vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have started receiving excessive collection calls from Portfolio Recovery Services. They used to call and state that they were calling on a recorded line and ask for me. When I identified myself they stated who they were calling from. Now the last several times that they call they ask for me and then state my address and ask if that is correct without identifying themselves. When I ask who is calling they state that it's a personal issue and will not identify themselves. I spoke with a supervisor approx 2 weeks ago after the representative that called became rude when I told them that I had no disposable earnings and that I have told them that several times. The Supervisor that I spoke with ; I have XXXX ( now they tell me there is no XXXX there ) went so far as to harass me about how much money I make, why I can't make a payment or why I haven't been able to make a payment. Since then I have received calls more than once a week. I have told them on a number of occasions that they are now harassing me and to please stop. The last call received was XXXX XXXX  today. Unfortunately I do not have any names as they will not disclose their names. This is putting undo stress on me. I also have a medical condition in which I am supposed to avoid stressful situations. I am working diligently on resolving my past due debt and these type of harassing phone calls doesn't help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed for months on getting 3 bankruptcies removed from my report and send in proof of being a victim of identity theft and the company still refuses to delete. Account number # XXXX, # XXXX, # XXXX. XXXX  and XXXX  have deleted this information with the proof sent in, but experiean keep illegally reporting this information. I want this deleted as soon as possible so i can comtinue working on my credit that somekne came along and destroyed. My report number with ftc is # 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 2018-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I have an auto loan with Citizens Bank. I was late on two payments because of extreme hardship conditions. In my 14 year credit history, I have only these two late payments. In order for me to apply for apartments or loans to get a home, as I am a single mother of XXXX  young kids, I asked them to remove/change the items on my report as a Goodwill adjustment. I called XX/XX/XXXX, and they sent me the attached letter, stating they investigated the issue ( not what I asked ), and because it is correct they can not remove the items as a goodwill gesture ( which in the case they were incorrect, this would not be a goodwill gesture, rather the legal thing to do ). They claim this is per FCRA regulations. I called the Consumer Finance Customer Service Department XX/XX/XXXX, and the gentleman put me on hold to see what he could do, then told me they can not remove late payments per FCRA law. He also told me, as did the person I spoke with XX/XX/XXXX, there was no one in any other positions I could speak to about this issue, nor was there anywhere I could send a goodwill letter to. On Citizens Bank website there is a credit repair page that even advises consumers who wish to repair their credit to contact creditors and ask for goodwill adjustments and/or write them a letter. I was a single parent, pregnant, homeless, and in a hopeless situation that I never hope to be in again. Otherwise, and in the future, I pay all my bills on time, and do not see why they will not take the time to listen to me, work with me, or even give me an opportunity to mend my issue. I paid both months that were late, including the late fees. I feel like they are not being forthcoming by using the FCRA regulations as an excuse for poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XXXXXXXX XXXX locked out the HomeOwner since XX/XX/XXXX ; The house wrongful Forclosure on XX/XX/XXXX ; XXXXXXXX XXXX   failed to provide Owership of the Note, Perfected Note Holder in Due Court of XXXX XXXX XXXX ; the Mortgage and the Note should be together in order to have standing to forclose. It is impossible to provide the Note and the Mortgage together because the Note had been converted permanently to a stock then sold in the New York Stock Exchange that create {$1.00} XXXX is Year XXXX ; So, XXXXXXXX XXXX could not forclose the XXXX XXXX house, therefore XXXX XXXX XXXX XXXX XXXX XXXX Tresspassing the XXXX XXXX house on XX/XX/XXXX ; and not the XXXX XXXX XXXX XXXX dumping the XXXX XXXX house on the street, there was citation # XXXX XXXX XXXX in the amount of XXXX to be paid and storage fee to be paid to XXXX XXXX XXXXXXXX in the amount of {$3700.00} upto XX/XX/XXXX which is tomorrow. 
XXXX XXXX also demand XXXX XXXX XXXX XXXX XXXX XXXX to surrender the house key by tomorrow ; in order XXXX XXXX could make the Damage Report to the Court of the house and personal belonging. XXXX XXXX paid the utilities bill until now, XXXX XXXX supposed to stay inside the house instead of stay outside the house. XXXX XXXX  torturing the XXXX XXXX XXXX since XX/XX/XXXX which almost 2 years living deadly ont he street like animal in the zoo. Thank you. XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello It's been more than seven times I had to call Wells Fargo about an overdraft fee " wrongly applied automatically '' when one of my accounts went below XXXX dollars. I have been through a financial crisis and this had happened occasionally. The current agreement with the bank is that if the user deposit the money back before XXXX XXXX ( or closing time ) of the same day they do not apply the overdraft fee ( When I opened the account the time period was 24h, they shortened on their parts without notice ). 
In my case I wake up with an alert that overnight my account went to negative numbers and when in the curse of the same morning I seat to transfer money they have already applied the fee.. Seven times I had to get trough customer representative that can not do anything, they supervisors that recognize the transaction occurred overnight and the alert was sent in the morning so logically I don't have time o do anything before being charged, they can not do anything either. So it goes to the next level, a customer care specialist that says is the system that do it automatically so is not their fault even after concede to the fact they're not honoring the agreement and that this is happening to a user that is logically having financial problems. When they wave the fee, they always call it a " courtesy '' and I always demand to call it properly because it may looks that the problem is in my part and is not. 

This time a transaction of USD {$9.00} at XXXX XXXX  left my account at - {$5.00} I received an alert at XXXX XXXX  and at XXXX I had an Overdraft fee applied to my account. They didn't waved the fee this time because is has been to many courtesies. 

There was a time when something similar happened but I was awake working in the middle of the night and transferred funds to that account but given the hours the bank didn't made the transfer until XXXX XXXX  so when the transfer occurred they had already applied the overdraft fee so the account went XXXX again so another overdraft fee was applied when I woke up I had {$85.00} negative on my account. They applied an overdraft fee on top on an overdraft fee. When I called and went through the process they waved it but they called it a courtesy again ... 

This is the bank that is saying everywhere they're refunded on XX/XX/2018. They're not honoring they words and agreements and when they call " a courtesy '' they don't recognize they have an issue whit their system and logically don't do anything to solved.

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 2018-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: GA

Complaint narrative:
Since XX/XX/2018 I have attempted to pay my balance in full with no prevail, Great refused to accept my payment 4 times and now they have raised the amount by {$1000.00}. 
XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 I sent letters asking for the balance and if they would accept full payment, FULL PAYMENT no response would settle this account legally and financially, they continue to willfully and knowingly report incorrect inaccurate information to the CRA 'S damaging my credit and lively-hood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Contacted Credit card company regarding an online purchase for event tickets which I have not received yet. The event is on XX/XX/XXXX - I purchased them on XX/XX/XXXX and expected to receive them by now. No actions were taken by my credit card company - they allowed this 3rd party ticket vendor to charge me almost a year in advance and they will not take this {$3000.00} charge off of my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: PNC Bank N.A.
State: PA

Complaint narrative:
I set up auto pay on my credit card and it did not go through so now they say I'm 67 days delinquent. I paid the next two payments in advance now and they reported me late to the credit bureau. I want the late reporting removed as was the first late payment I ed ser have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/2017, XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$30000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349 - Deceptive Acts, Section 380S - Identity Theft and title 15 U.S.C. Section 1632 - Form of Disclosure ( 2 ) Creditor to provide contracts to the Bureau. As defined under title 18 U.S.C. Section 1030 - Access Device. The reporting agency did not follow laws under title 15 U.S.C. 1681S-2 ( a ) - Duty of Furnishers of Information to Provide Accurate Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
When I first left college in 2005 it was really difficult to get a job in my field ( XXXX XXXXr ). I was able to get a job but the income was low and my loans were at about 80-100K. I did not have to pay for six months and then the calls started. I was simply unable to live and pay at my XXXX dollars an hour wage. Sallie Mae was my loan provider ( Now Navient ) and their offer was forbarence and they did not offer me a lower repayment plan. Few deferrments and forebarances later, I was making a little over what I had after graduation but not nearly enough to pay the 500+ per month and live and eat. Only years later, when I maxed out my forebarances and my credit score dropped to XXXX-XXXX  did they begin to offer lower repayments. By this time my account ballooned up to a whopping $ XXXX and the principal increased. Once I got a decent job I was offered interest only repayment which I paid successfully for two years. Once that plan expired they were unable to reinstate it and now I have to pay XXXX plus the Federal Loan ALSO serviced by Navient. Their claim is that I am left with XXXX XXXX dollars per month. I have XXXX savings and my costs fluctuate. I need money for incidentals car repairs and emergency situations which I simply don't have. This has caused me significant anxiety over the years that I am now on medication because of this. I don't have a wealthy family and nobody to advise me. I took them for their word not understanding or knowing available options. Ive always wanted to pay but forebarances we're all they offered until my credit score was as low as it can be and I was not able to pay. I can pay now and I want to pay now but within means and I keep receiving calls telling me they can help only to tell me they can't. Currently I am expected to pay XXXX per month which means I can't rent or own a house making me regret ever going to school in the first place and trusting Navient and Sallie Mae. The information they provide is not complete and their staff is ( not everyone ) mostly incompetent and frequently provide incorrect information resulting in many calls to get someone that can at least tell me correct information. And saying they can help is a tactic to get me to call back and tell them that I can not pay what they ask. I don't know what else to do but pay smaller amounts every month that are within my means regardless of the insane minimum payment that they trapped me into

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen is reporting an inaccurate late on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is a fraudster company -- they work for the banks so all they want is to help the banks capture your property. They do not provide a way to dispute credit iu=inquiries which can affect your credit score. The people there are abusive and frustrating. They say they will call you back and they DO NOT. These people should be exposed for the scam to consumers that they are.

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 2018-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I sent a letter certified mail to Santander main office Santander Consumer USA Inc. XXXX. XXXX XXXX XXXX XXXX, TX XXXX a little over a month ago requesting them to Please furnish me with direct proof that this repossession was done in a legal and proper manner, including notification of deficiency, Repossession Company used, redemption notice, and proof that they allowed me to access my personal property and plates off of the vehicle. Per the documentation required under Texas Motor Vehicle Finance and UCC statutes. The car was cleaned out and my belongings was placed in black trash bags  before I could have access in the car I had items missing & I never received my license plate. I haven't heard anything back from anyone I listed my cell number and also my mailing address. Instead someone remove the balance that was owed to XXXX  in the letter I requested that they take the necessary steps to ensure any critical information on my credit is deleted and purged from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Please refer to previous complaint ID XXXX. 
XXXX XXXX re-opened an investigation after my first complaint. 
They send a Account Originating document that did not have a signature.

The second " investigation '' concluded with the exact same explanation of : " Account opened greater than one year with verifiable payment history ''.

Synchrony did not send and other documents, or give any other explanation.

My explanation to them was that a " known '' person hid this account from me, and did make payments out of their " private '' account.

I discovered the Credit account in XX/XX/2018. The " known '' person continued to make payments until XX/XX/2018, and has now stopped. So, I am stuck with an account that Synchrony hasn't provided a signature of who opened it.

For the first time today, I registered online to access the account and make a payment, to avoid a late fee. I pray this doesn't constitute my " authorization, or agreement '' as to this account, as I insist that I protest it's existence.

I am not able to have a legal battle with a company the size of Synchrony.

If anything, I want to let it be known how easy it is to open a credit account using the personal info from someone else.

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 2018-07-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/2018 we submitted to Experian two accounts that were already due to come off my report in XX/XX/2018 we had previously complained to CFPB to resolve this issue, while this was going on we herd NOTHING from Experian in fact, to date we have herd NOTHING in regard to this matter. 
The accounts that were supposed to come off was XXXX XXXX case # XXXX and case # XXXX It has now been 3 months since we contacted Experian by Certified mail and as previously stated, to date they have continued to neglect their responsibility to remove old out dated.

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 2018-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is reporting an inaccurate late on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is reporting an inaccurate late on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: OR

Complaint narrative:
National Credit Adjusters Continues to state debt owed when it was paid off. Evidence proves this beyond a reasonable doubt. Despite multiple attempts to prove and show the debt has been paid. They refuse to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  is a fraudster company -- they work for the banks so all they want is to help the banks capture your property. They do not provide a way to dispute credit iu=inquiries which can affect your credit score. The people there are abusive and frustrating. They say they will call you back and they DO NOT. These people should be exposed for the scam to consumers that they are.

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