vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I did not receive written communication from LVN funding regarding attempt to collect a debt from the XXXX XXXX Credit Card account. The account was reported to the credit bureau on XX/XX/2017 the amount {$290.00} has been paid off and LVN funding will not remove the charge off from the credit bureaus. I have contacted the company by phone and a supervisor stated the company could not delete the remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC misled me into believing that I was receiving a 0.25 % interest discount on my outstanding loan balance for setting up an ACH and having the monthly payment deducted automatically. On more than one occasion over the past few years ( XX/XX/XXXX through XX/XX/XXXX ) I was told that I was getting the discount. During a recent inquiry, I was told that I was not getting the discount. This occurred in XX/XX/XXXX on a call to the PNC customer service center and again on XX/XX/XXXX by XXXX XXXX in a separate call. I filed a complaint with PNC. # XXXX  on XX/XX/XXXX and was told I would get a response within 10 days. On XX/XX/XXXX I followed up with PNC because I had not received a response and I spoke with XXXX XXXX in the escalation team who set out to research the issue. I was told on XX/XX/XXXX that the contract we signed in XX/XX/XXXX was tied to a specific checking account and the ACH had to come from that account in order for me to get the discount.

So here is where I was misled. First, for background, we renewed our line of credit in XX/XX/XXXX and continued to pay down the existing balance. When the balance was XXXX, we determined that we did not need the checking account and it was closed in XX/XX/XXXX. On XX/XX/XXXX, we needed to access funds from the line of credit. I visited the PNC branch on XXXX XXXX XXXX in XXXX Ohio to inquire about the ACH and discount. I was told by the banker that an ACH from any checking account would qualify me for the discount so I set up the ACH at that visit using my current primary checking account. I trusted that the banker knew PNCs policy with regards to the discount and would not mislead me into thinking I would get the discount if I would not get it. Also, since the previous checking account was closed there was no way for me to get the discount unless we modified the existing agreement which I was not given the opportunity to do. Furthermore, I should not have been consistently lied to when I inquired about the discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
PayPal credit is repeatedly calling numbers that don't belong to me and I never provided to them. I am in the process of filing for bankruptcy and want no further contact from them.

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 2019-01-22 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: CA

Complaint narrative:
Equifax failed to open a dispute and subsequently investigate an erroneous debt collection for which I was denied credit including a mortgage. Equifax 's website is insanely difficult to use : there's no place to request a FREE credit report within 60d of being denied credit based on reporting agencies. When I tried to order one as the free annual one, Equifax claims that it can not verify my identity. Then Equifax emails that my order is ready for review, provides an ID # and a username and a DEAD link that does not go to a site so that I can enter the provided ID # and username. I hold a XXXX  in  XXXX, a XXXX  and XXXX  in XXXX but I can't navigate Equifax 's website! 

When I tried to dispute the debt again, Equifax then asks a series of questions -- NONE OF WHICH APPLY to me so when I accurately answered as such, Equifax once again said my answers do not match its records so use XXXX to request my report. 
The problem is when you click on XXXX it takes you right back to its website where it wants you to PAY for the credit report. 

All the other reporting agencies, XXXX  and XXXX have investigated ( apparently ) and removed the debt collection from my report -- the ONLY derogatory item on my credit report. With Equifax, I can't even order my credit report or submit a dispute. Not even by phone -- the phone tree dead ends so you can't talk to anyone. It just disconnects. 

Equifax 's failure to investigate dispute and non-compliance w/ state and fed law by providing a free report if denied credit w/in the past 60d has directly resulted in my being denied credit card accounts and a mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
In the last week, I have received 3 overdrafts from Paypal. They do not have permission to access my bank account as I have a credit card on file for charges. I went to the bank and find out they have been doing this since XX/XX/2018. I called them three days ago and asked about the overdrafts and they assured me it was not them. Over the weekend I received 2 more overdrafts. Went to the bank and in their presence called Paypal. They said I had signed 10 companies to have access to my bank account. I NEVER did. Now I have {$90.00} in overdraft fees and I insist they pay these fees as they never had  permission to enter my bank account. Not even including the fact that they lied to me about them being the culprit using my bank for the past 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX was born at XXXX hospital XXXX. XXXX XXXX XXXX  submitted a balance owed to my collection report with no prior indication of a balance owed. XX/XX/ through ic systems. Debt was from improper insurance billing. XXXX supervisor XXXX stated on phone conversation that a wrong insurance was billed and debt should not be owed. Please remove from my collection report immediately

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 2019-01-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a dispute to the credit reporting agencies requesting proof of each account as well as a fair investigation for each account. On XX/XX/XXXX, the disputed items came back as verified. XXXX, Equifax and XXXX has not properly verified a bankruptcy record on my credit reports. The bankruptcy record is inaccurate and is found to be incomplete. An affidavit ( a sworn statement of facts ) was sent to the Federal court asking them if any information was released to the credit reporting agencies. I sent XXXX, Equifax and XXXX  a notarized Affidavit and correspondence directly from the Federal Court stating that no information has been given to them. If the agencies did not verify a bankruptcy record with the courts, how did they complete the investigation? This investigation is incomplete. If the court did not send them information on the bankruptcy record, then my disputes were not properly verified. I do plan on taking legal action per [ 15 U.S.C. 1681i ], Section 611 ( 5 ) ( A ) ( i ) If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. This inaccurate and incomplete bankruptcy record is causing me unnecessary financial hardships due to the incomplete investigation of these credit reporting agencies. I need would like assistance on this matter asap before taking further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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:
In XX/XX/XXXX i filed a dispute with the credit bureaus about a Bankrupcty Acct # XXXX and a XXXX XXXX credit card Acct # XXXX opened XX/XX/XXXX that do not belong to me. All three bureaus removed the account but when i checked my most recent report it shows those two accounts back on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: OH

Complaint narrative:
Experian is refusing to follow the law which is robbing me of my right to have " accurate, complete and verifiable information on my credit report. 

The FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) states that they must provide me with " a description of the procedure used to determine the accuracy and completeness of the information '' also A third party furnisher of information does not meet the standard set forth by the FCRA. Section 611, ( 6 ) ( B ) ( iii ) says that " ONLY the Bankruptcy Court should be the furnisher '' of information, not a third party source. I have requested their Method of verification three times, they have refused only to reply with " verified '' The last correspondence from Experian states " The company that reported the information has certified to Experian that the information is accurate '' but they refuse to disclose the name and address of the verifying company as required by law.

The Law says " ONLY THE COURT SHOULD BE THE FURNISHER '' The documentation ( which I have furnished to Experian three times ) from the UNITED STATES BANKRUPTCY COURT and signed by The case administrator supervisor which states that " Their office does not report ANY information to the credit reporting agencies '' making it impossible that Experian has followed the law and are responding to my good faith inquiries with inaccurate, incomplete and unverifyable information. 

Both XXXX and XXXX  have also investigated this and agreed the information is not varifyable and have deleted it. 

I have just once again completed a call with an Experian supervisor ( XXXX ) who has assured me that they are required to follow procedure ... EXPERIAN PROCEDURE, NOT THE LAW! 1 hour 22 minutes in which the supervisor " XXXX '' hung up on me. 

She also is either misinformed or telling a known untruth that a chapter XXXX bk is not required to be reported for seven years but allowed to. No information is required to be reported. Training of employees is a good idea. Supervisors should be knowledgeable of procedure, law and be truthful.

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 2019-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
Volvo had the incorrect contact info on my account that they input on their side. Phone number was wrong by 1 digit. They did not withdraw the funds from my account correctly and were unable to reach me because of this. I was sent a letter in the mail that stated that my auto-pay was setup and should have withdrawn funds on XX/XX/XXXX fpr {$560.00}. This did not occur until XX/XX/XXXX. They are stating that someone was update don my account that they can not verify. Because they input my phone number wrong on their side should not be my fault that they could not reach me correctly. I did not receive one email or phone number from Volvo stating that my account was past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I found out about the debt when trying to refinance a mortgage. LVN Funding LLC was on my credit report the debt {$400.00} XXXX XXXX XXXX on XX/XX/18 an old account that had been settled. I attempted to contact LVN funding to discuss the debt noting had been settled and was told this could not be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I notified Netnet in XX/XX/XXXX that I was entering into Chapter XXXX bankruptcy. My lawyer also included Nelnet in bankruptcy. Per Nelnet Legal Department and website account my student loans will deferred to XX/XX/XXXX. My bankruptcy was completed in XX/XX/XXXX. Nelnet took the deferment off my account after the bankruptcy ended. I did notknow the deferment was removed from my account and Nelnet near sent me a statement for payment. I ran a credit report and I noticed that Nelnet had reactivated my account. My credit report states I have 5 late payment accounts with Nelnet. I called Nelnet to see what was go on with my account and I was told my payments restarted when the bankruptcy ended. Since I paid my bankruptcy off before XX/XX/XXXX my account was reactivated before the estimated date of XX/XX/XXXX. I have since be consistent with my Nelnet payment plan. I wrote Nelnet a Goodwill letter asking for these late payments be removed from my credit report due to I would have not been late will payments if I was notified the accounts were reactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Have been trying to modified or short sell this property with no corporation with the lender and will not give enough time to do so. ON XX/XX/XXXX OF 2018 I SUBMITTED A MODIFICATION PACKAGE and then was told no time to revive it due to pending sell date. On XX/XX/XXXX of 2018 I submitted short sell package and then again was told, no time to review it cause of the sell date. This happened again for the month of XXXX of 2018. The Amount of 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 2019-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In XX/XX/XXXX my credit card with Capital One was in a {$780.00} state of closer so I called to make arrangements which was towards the end of XXXX of that same year. So I began to make payments to lower my card debited amount. I'd noticed that I also needed to cut down on my uses of the card which I'd done that also. I began to increase my payments, here I'm thinking that doing such would lower the amount of the balance, but it didn't, it just seems like this balance was getting longer to pay off. After staying up until XXXX XXXX on XX/XX/XXXX this morning and adding up what I've paid into this account with the {$280.00} that shows on my new balance will total to be {$1400.00} in a 9 months span. I know what my interests rate is and this rate that I'm being charged is more than what I agreed to. XXXX the costumer service rep. that I'd spoke with this afternoon @ Capital One claims that what I owe is {$480.00} which is a big conflict in what I have received and what she's claiming that I owe which is ridiculous. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland funding is sayin I owe almost {$3000.00} but Ive never done any business with them or even heard of them its hurtin my credit Im tryin to buy a house

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have inquiries on my credit report from XX/XX/2018 that I did not authorize, I have been trying to file a identity theft report with identitytheft.gov and was informed that I can't file one do to the government shutdown. Please remove these unauthorized inquiries from my XXXX, XXXX, and transunion credit reports. The inquiries I do not recognize ot authorize are as follows : XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX  XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX   XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX  - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 **Letters attached**

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 2019-01-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have inquiries on my credit report from XX/XX/2018 that I did not authorize, I have been trying to file a identity theft report with identitytheft.gov and was informed that I can't file one do to the government shutdown. Please remove these unauthorized inquiries from my XXXX, experian, and XXXX credit reports. The inquiries I do not recognize ot authorize are as follows : XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX  - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX   XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 Experian XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX  - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 **Letters attached**

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 2019-01-22 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: KS

Complaint narrative:
On XX/XX/2018, a hard inquiry was made by Capital One without my permission or properly notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I closed a home equity account with Union Bank in XXXX of last year. The Bank states " refinance your account with a new mortgage product with Union Bank.. '' ( letter dated XXXX XXXX, 2017, from Union Bank ) which was done in XXXX. 

However, the Bank continue to send statements bearing the account number from the old terminated account, and refuses to explain why. This old account had some undesirable features that I do not want to continue. When I request the source documents from the new mortgage account I get no reply.

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 2019-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I contracted with XXXX XXXX, XXXX dba XXXX XXXX XXXX to bail me out of XXXX on XX/XX/2017. The contract was for {$5000.00}. I paid {$1700.00} down and agreed to pay the rest by monthly payments over several years. My complaint is that XXXX placed a collection on my credit reports this month ( AWA collections ) in the amount of {$3600.00} when they gave up their right to any and all monthly payments due by breaching our contract starting XX/XX/2017. I paid for a XXXX XXXX, but they failed to provide one when they refused to reinstate my bail after I was in the hospital. When I called XXXX ( XXXX, CA branch ) after leaving the hospital, they said they wanted more money to keep my XXXX XXXX   active which is illegal. I didn't get what I bargained for and therefore XXXX has no right to collect money they didn't earn, hence, XXXX is attempting to collect an invalid debt that I do not owe. In fact, they owe me my down payment of {$1700.00} and damages for being XXXX.

Company response to consumer: Closed with explanation