vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My daughter sent me {$200.00} sent through XXXX messenger. The bank received the payment reflected when I called the bank information line. At time of receipt I was overdrawn {$1.00}. And change. Leaving my available cash {$190.00}. And change. I went to the ATM and withdrew {$60.00}. Upon calling my bank I realized that I was now overdrawn XXXX. I called my banks help line only to find there is now no record at all of the {$200.00} transfer. I was told by the first representative that they use their discretion whether or not to give you the money at the ATM. When speaking to her manager he stated not true only if funds are available will you receive money at the ATM. But still no record of the money. I explained # 1 only if money was available would money be given at ATM. # 2 only  if money recorded would money be available. # 3 Mony should have simultaneously been given at ATM and taken out of account. So at very least {$60.00} and fee should be shown. This bank has held checks for more than 10 days trying to lead you to believe you have more funds available. They have taken money for a payment and placed it back into my account trying once again to make me believe I have more funds available than I think. My sister who also banks with them can verify this. She purchased XXXX tickets for XXXX day which were taken out of her bank. When she called the info line a few days later it was showing back in her funds. I have been with this bank for several years and they made me sign a new contract with them because my old contract gave me many perks. I have been through several years of the preceding but never had my money stolen right from within the bank. They received the money made it available which is proven by the ATM withdrawal and there records have nothing about the deposit at all. I had-1. And change and now have - XXXX. And change along with charges daily. I appreciate any help you can provide. PNC Banks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was shown a repayment chart for a healthcare loan of {$13000.00} from Care Credit by XXXX XXXX ( XXXX XXXX, XXXX ) that would have allowed me to pay off the loan in 48 monthly installments of roughly {$400.00}. For a total cost of between {$13000.00} and {$20000.00} according to the booklet they gave me. I began paying monthly as planned only to find that after 7 months they dropped a one time nearly {$2000.00} finance charge on to my account and began charging me 26.99 % interest. Apparently they had asked me at some point if I wanted a six month repayment plan but I was unclear on what that meant. I would like them to wipe off the excessive and usurious finance charges and refund them to my account. I have repaid {$14000.00} in the hopes of closing this bait and switch account in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
there are several accounts that I have tried numerous of times to get corrected on my credit report and they keep coming back as verified however they are still reporting incorrect. I have requested that they provide information on how these are being verified and I have no results. I have disputed them again but I need help. 

1. XXXX XXXX amount of {$800.00} and {$3100.00} -- I do not owe this I have never lived at this address associated with the account. I never lived at XXXX XXXX XXXX, never had an electric bill there the address nothing ties me to this place and does not even show up on my credit report. 

2. XXXX XXXX -- first the date says opened XX/XX/XXXX, I did not live in XXXX I have lived in XXXX Florida Since XX/XX/XXXX. In addition the original creditor on this was XXXX a small company in XXXX, this account was paid in full many years ago. it was for furniture. I do not owe this debt and don't know why it's in collection this was paid and closed with the original creditor. 

3. XXXX -- Showing open date of XX/XX/XXXX, I did not open any accounts in or around this time. the original creditor on this was XXXX and I opened account with them in around XXXX, or XXXX but most importantly I purchased extra insurance to pay the account in case of unforeseen issues. which I lost my job in XXXX and the insurance company paid this account in full. I do not owe this debt. I have explained this numerous of times but they are failing to remove and I have asked they provide me with documentation to verify the debt and have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-11 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-11 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.am the president of XXXX XXXX XXXX XXXX corporation. here are the fact a Limited Liability company is a corporate structure in the untied state. where by the owners are not personally Liable for company debts '' limited Liability companies are hybrid entities that company. the charactenstics of a corporation with those of a partnership of sole proprietorship as of XX/XX/2019. are not responsible for debt of the company. unless it there is a personals Guarantee ''. created in that state there are Law state that a business owner not be Legally forced to used there personals money to pay corporation debt mere fact that the debt is only XXXX and we will pay the debt : the client only want the bank XXXX XXXX  to validation. We do not believe that the invoice is XXXX why would a bank turn over a invoice with a balance that so small.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: OK

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2019-11-11 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: OK

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX added a collection in XXXX of 2019. I contacted them directly in XXXX of this year. They directed me to I C System. The representative for the collection agency I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted I C System again at this time and they informed the previous agent I spoke with was out for the week. He continued to say that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX XXXX XXXX or XXXX service.

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 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I first received a call from IQ Data International around XX/XX/2019, wherein we initiated the typical debt collection process. I requested that they verify the debt with XXXX  XXXX  ( the apartment complex to which they claim I owe money ). 

I requested that they not call me during work hours due to my employer not allowing me to take calls, and they agreed. I also requested all contact with me to be done via certified mail and they agreed. 

Fast forward to XX/XX/2019 and I receive a call at XXXX XXXX  EST during work hours. I told the phone operator that they had agreed not to call me during work hours but he became immediately confrontational. I said " Please do not call me at work again, have a nice day '' and hung up the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: FL

Complaint narrative:
there are several accounts that I have tried numerous of times to get corrected on my credit report and they keep coming back as verified however they are still reporting incorrect. I have requested that they provide information on how these are being verified and I have no results. I have disputed them again but I need help. 

1. XXXX XXXX amount of {$800.00} and {$3100.00} -- I do not owe this I have never lived at this address associated with the account. I never lived at XXXX XXXX XXXX, never had an electric bill there the address nothing ties me to this place and does not even show up on my credit report. 

2. XXXX XXXX -- first the date says opened XX/XX/XXXX, I did not live in XXXX I have lived in XXXX Florida Since XX/XX/XXXX. In addition the original creditor on this was XXXX a small company in XXXX, this account was paid in full many years ago. it was for furniture. I do not owe this debt and don't know why it's in collection this was paid and closed with the original creditor. 

3. XXXX -- Showing open date of XX/XX/XXXX, I did not open any accounts in or around this time. the original creditor on this was XXXX and I opened account with them in around XXXX, or XXXX but most importantly I purchased extra insurance to pay the account in case of unforeseen issues. which I lost my job in XXXX and the insurance company paid this account in full. I do not owe this debt. I have explained this numerous of times but they are failing to remove and I have asked they provide me with documentation to verify the debt and have been unsuccessful.

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 2019-11-11 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: FL

Complaint narrative:
there are several accounts that I have tried numerous of times to get corrected on my credit report and they keep coming back as verified however they are still reporting incorrect. I have requested that they provide information on how these are being verified and I have no results. I have disputed them again but I need help. 

1. XXXX XXXX amount of {$800.00} and {$3100.00} -- I do not owe this I have never lived at this address associated with the account. I never lived at XXXX XXXX XXXX, never had an electric bill there the address nothing ties me to this place and does not even show up on my credit report. 

2. XXXX XXXX -- first the date says opened XX/XX/XXXX, I did not live in XXXX I have lived in XXXX Florida Since XX/XX/XXXX. In addition the original creditor on this was XXXX a small company in XXXX, this account was paid in full many years ago. it was for furniture. I do not owe this debt and don't know why it's in collection this was paid and closed with the original creditor. 

3. XXXX -- Showing open date of XX/XX/XXXX, I did not open any accounts in or around this time. the original creditor on this was XXXX and I opened account with them in around XXXX, or XXXX but most importantly I purchased extra insurance to pay the account in case of unforeseen issues. which I lost my job in XXXX and the insurance company paid this account in full. I do not owe this debt. I have explained this numerous of times but they are failing to remove and I have asked they provide me with documentation to verify the debt and have been unsuccessful.

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 2019-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/XXXX Midland Credit management removed all of my funds from my XXXX  XXXX XXXX checking and savings accounts, and continue to do so, in addition to removing {$15000.00} from my checking and {$1500.00} from my Savings putting me into major negative. I spoke in person and on the phone multiple times with XXXX  XXXX XXXX and they claim this is a garnishment, with no proof or documentation provided that this is a valid garnishment. Midland Credit management said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company, which is false and this debt has nothing to do with me. None of my credit reports show this at all and I have no derogatory marks on my credit. Midland CM still continues to take funds out of my accounts, including my XXXX  XXXX payment. I have had zero communication with this company prior to this action to my bank accounts and there have been NO papers served to me, no documentation given to me about any court case. They do not have the right to take my funds out of my accounts and an additional {$31000.00}. XXXX  XXXX XXXX has not protected my accounts and they also have not contacted me about these actions prior nor have they shown any documentation proving that this garnishment is valid. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. XXXX   XXXX XXXX has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with XXXX  XXXX XXXX a couple of weeks prior to these events.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: MI

Complaint narrative:
I was enrolled by Premier Student Loan Center in XXXX of XXXX. I made 6 payments of {$230.00} to the company for assistance and then my payments would begin in XX/XX/XXXX for $ XXXX/month. They took my loan and enrolled me in XXXX by using false information to lower my payment. I just learned of this as my next payment due is over {$1000.00}!!! The company is now closed yet {$32.00} each month is still being taken from my bank account.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I was sold a Lemon Car with Multiple Issues! And the Dealer knew of the Issues and didnt disclose until after he was paid by the Financial Company! The Financial Company says I Sam still Liable for the Loan and I can not get the Vehicle Repaired! The Car Dealer refuses to help with Another Vehicle or a Refund of the Down Payment!! My mother had no Car or Money to buy Another Vehicle. I feels the Loan Company should not put this on my Credit Report! And they Refuse to Work With Us!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I applied for a Citi XXXX Card online. At the end of the process I selected " Agree '' and " Submit '' thinking I would be able to review it before it was finalized. Instead, it was immediately approved for {$5500.00}. I DO NOT WANT THIS CARD. I have tried repeatedly to contact Citi, 12 phone calls in all. I get transferred and transferred and transferred and they end up giving me the phone number I called in the first place. Today, after my last attempt to cancel the application and/or card, after getting transferred 3 times, they asked for my phone number. I've had the same land line number for the past 4 yrs and they said it wasn't a valid number. I do not have a cell phone, only this landline, XXXX. So once again I was transferred to someone overseas who told me he would have to call me back to verify my information. I said fine. He said I'll call you right back. That was over an hour ago. 

I am tired of wasting my time trying to get a response from these people. I DO NOT WANT A CITI CREDIT CARD. I want the application to be voided or withdrawn or whatever process they have to CANCEL IT.

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 2019-11-11 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: NJ

Complaint narrative:
Experian Credit report agency reporting incorrect account and refusing to remove it from my credit report. They say this negative report will stay for 7 years. 
Account is not mine, I don't have to pay for it. Experian refusing to resolve it and start blocking my dispute request ( computer states that I can not longer to dispute ). 
Experian investigates 3 times and they saying account is correct they will not remove the charge. 

CFPB also investigated this company reporting incorrect account - complaint with your agency number XXXX. Please investigate Experian for reporting incorrect activity on my credit report. Please provide all documentation that Experian received from agency which they think is enough to state that account is mine. Thank you

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