vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
As of XX/XX/2019 I noticed a collection Avante USA for XXXX services of Kansas. I have no knowledge of this debt, as I was living in Texas at the time it showed up on my credit report and I have received no letters of correspondence about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I disputed a XXXX  XXXX XXXX XXXX./XXXX XXXX ( XXXX ) in regard to an unknown XXXX 'XXXX XXXX  account after pulling my credit reports which was said to been verified. XXXX   said they aquired the debt from parent company XXXX XXXX XXXX ( XXXX XXXX ) but say they sold the debt to RESURGENT CAPITAL SERV around ( XXXX ). All 3 companies are reporting inaccuracies to the credit bureaus in violation of CFPB law. XXXX charged off acct. on ( XXXX ) with a balance of {$440.00} which is still reported as XXXX with ( XXXX  ). XXXX 'S also reports acct.with XXXX as ( C/O BAD DEBT ). RES.CAPITAL SERVICES is reporting to ( XXXX  ) the same acct. open with ( BAL.DUE {$440.00} ) on behalf of XXXX from ( XXXX-current ) which I believe is double jeopardy and in violation of CFPB and FDCPA. Its negatively hurting my credit score and XXXX/XXXX  XXXX sent a letter saying they reported  everything to all 3 bureaus accurately and won't remove any negative remarks. XXXX  also shows a Charge-Off from XXXX/XXXX XXXX  on ( XX/XX/XXXX ) and PAID ON TIME status from ( XXXX XX/XX/XXXX ) with Date of Last Payment as ( XXXX ). Which one is accurate. The last reports/updates are ( XXXX XXXX, XXXX  XXXX AND XXXX  XXXX ) which makes me believe they never actually investigated the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
An error appeared on my credit report in XXXX. 

As a result many of my credit lines were affected. Most of them were decreased in response to the error, making my credit utilization ratio disproportionately high. It went from 8.5 % to 75 %. 

I have had the error removed from my report, however American Express refuses to acknowledge that it was an error. My account spending was limited on my charge card while the error was present but now that the error has been removed the limit is still there. 

Additionally, I am working with other banks to increase my lines to their previous limit so that my utilization ratio is again below 10 %, but in the interim my credit score is artificially low. While American Express is aware that this is happening, they are not incorporating that fact in to their credit decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Rpm services appeared on my credit report XX/XX/2019. I contacted the hospital and paid this debt, but the collection is still on my 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 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
This issue began with an offer to transfer a balance at a promotional rate of 0 % APR in early XXXX. At that time I submitted a transfer request to XXXX for {$1300.00} and to XXXX for {$1100.00}. In doing so I inadvertently put the incorrect account number on the XXXX transfer request. I contacted HSBC within 24 hours of the request and was told the XXXX bank would reject the payment as no account found and the charge would be credited to back to my account. 

As of today ( XX/XX/2020, I have multiple attempts to resolve the issue with HSBC remains unresolved. XXXX still has not received the funds or posted it to my balance in the amount of {$1100.00} and the charge remains on my HSBC account. In addition HSBC completed a second unauthorized balance transfer of XXXX to XXXX without my knowledge or consent to do so. The {$150.00} was rejected as no account found by XXXX and HSBC credited back that charge so I am not concerned about this transaction ( it took about 5 weeks which seemed long but was within the timeframe I was explained. 

As of today XXXX has received the {$1300.00} and no other transfer payments, XXXX has posted {$0.00} in funds received by HSBC to my account, and the charges still remain on my HSBC charge account. 

Of the many times I spoke with HSBC I managed to have two ( of the dozens of people I spoke with ) submit an investigation into this issue. Approximately three weeks later I received a correspondence from HSBC ( two separate times ). In the corresponding letter HSBC stated they are closing the investigation as payment received by the intended party and included a copy of a check sent to XXXX ( check XXXX ) for {$1300.00}. This charge is not in dispute, I have told them several times XXXX received the XXXX and has posted it to my account. It is the charge for {$1100.00} and {$120.00} they claim was sent to XXXX that has not posted to anything. 

I have had several representatives of HSBC tell me they submit payments to XXXX electronically and once they send the funds they have no way to track the payments once submitted. They further informed me once they submit the payment they consider their job complete and if the payment is lost after leaving their custody its an unfortunate problem they can do nothing about and I am expecting to honor my commitment to them. Basically they want to to pay off a debt I received XXXX benefit from incurring. To add insult to injury when the {$120.00} payment I never authorized was rejected by XXXX they sent be a letter including a copy of a physical check they sent to XXXX stating the {$120.00} charge was removed from from my HSBC account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A credit card company has denied my application for a new card and refused to give me a reason. Is the company allowed to operate in this manner?

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 2020-06-06 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:
XXXX XXXX XXXX XXXX XX/XX/2018 60 DAY LATE THIS ITEM IS NOT VERTIFABLE. THEY ARE UNABLE TO VERIFY THE 60 DAY. THIS IS CLEAR VIOLATION OF 609.

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 2020-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with Citi Bank for their Citi Advantage card. I had to submit an application and i was subsequently approved. As part of the inducement to open an account Citi promised XXXX bonus miles if I spent {$2500.00} in the first 3 months of billing. I did, but now, for the first time< Citi is saying I'm intelligible because I had a prior account in the last 48 months. No where was that included in Citi 's promotional materials. This failure was intentionally misleading. If that was a condition of the credit offer it should have been disclosed in the advertising when the promotion was made, It was not. I believe Citi should be required to provide the promised XXXX miles.

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 2020-06-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: CO

Complaint narrative:
Date : XX/XX/2020 Issue : Called through an automated call line to the operator. The operator who received my call put me on a 30-minute hold to " look up the laws in Colorado, '' by which he clearly intended to make sure I was forced to hang up, as he did not return to the line. I was not helped in closing the account, which I am continuing to try and do. I have set up direct deposits and would like to close the card so as to not incur the {$1.00} fine each year.

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 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have tried on numerous occasions to link my PNC personal checking account with online financial institutions through XXXX, but am always told XXXX  is having trouble linking to PNC. I have resorted to using an account from a different bank and have had no problem at all. 

PNC appears to be unresponsive to the issue, which ought to affect more of its customers than just me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Complaint - Consumer Financial Protection Bureau ( CFPB ) What is this complaint about? I sent 2 certified mailed Validation of Debt letters to Portfolio Recovery Associates. The company failed to respond to my certified letter in the 30 business day timeframe. The company continues to call me after receiving the Notice to Cease and Desist letter. 
The Statue of Limitation on this kind of debt in Texas is four years, which makes this debt expired. I have also showed proof of Residence and given a copy of my Texas Driver 's license. 

What type of problem are you having? It's been over 35 days and it is still showing on my credit report. 

What happened? I have disputed this claim 3 times with XXXX, 2 times with XXXX  and XXXX, with no resolution. 

What company is this complaint about? The Company this complaint about is Portfolio Recovery Associates. 

Who are the people involved? The people that are involved Portfolio Recovery Associates, XXXX, XXXX  and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Been trying for weeks to restore the link between my accounts to my XXXX account with no success ... .please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
About an hour ago I paid a person Ive been talking to on XXXX for his account. He was supposed to sell me his account and when I sent the money he blocked me now Im trying to get a refund also I had him sign a agreement todays date is XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When logging onto Experian to freeze my credit, their website makes it appear as if I must PAY to buy their services to " lock '' my credit file. It is extremely difficult to search their website to find the link to file a credit freeze. If I didn't already know the difference in a credit freeze and their shamelesseffort to make me think i had to pay to buy their credit LOCK, i would never have spent an HOUR searching for the way to freeze my credit. Then after i had successfully logged in and verified my identity, they denied my request to place a freeze, and said i had to send a written certified mail request. 
Experian was quite happy to SELL me their Credit Lock services, but entirely unwillingto provide the FREE credit freeze to which I am entitled. 
This is abusive to the consumer. The other 2 credit bureaus make it simple to place or lift a credit freeze. Only Experian engages in this deceptive tactic to sell their services. 
Please impose a heavy fine on 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 explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Due to Covid I'm not able to go into a PNC branch ( I'm outside the country ) I am buying a home and need all of the funds from my account. PNC sill not initiate a wire transfer, nor will they allow me to do and international transfer through a third party website. I need the funds from my account as that is what I'm using for my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-06-07 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Predatory practices involving additional services such as unit owner insurance. They always sent a letter to advising that they will purchase a policy if I do not buy one. I am always forced to submit the information of a new policy even though my insurance company has the information of my mortgage holder and updates accordingly. Nationstar aka Mr. Copper is the worst. I never had this issue with the previous mortgage holder. They are the worst

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: AES/PHEAA
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I have not received any investigation results. 

FEDLOAN SERVICING XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$150.00} XXXX XXXX  XX/XX/XXXX {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I disputed a XXXX XXXX XXXX XXXXKAY 'S ( XXXX ) in regard to an unknown KAY 'S JEWELRY account after pulling my credit reports which was said to been verified. XXXX said they aquired the debt from parent company STERLING JEWELERS INC. ( XXXX XXXX ) but say they sold the debt to XXXX XXXX XXXX around ( XXXX ). All 3 companies are reporting inaccuracies to the credit bureaus in violation of CFPB law. S.JEWELERS charged off acct. on ( XXXX ) with a balance of {$440.00} which is still reported as DUE with ( XXXX ). XXXX/KAY 'S also reports acct.with XXXX as ( C/O BAD DEBT ). XXXX XXXX  is reporting to ( XXXX ) the same acct. open with ( BAL.DUE {$440.00} ) on behalf of S.JEWELERS from ( XXXX ) which I believe is double jeopardy and in violation of CFPB and FDCPA. Its negatively hurting my credit score and XXXX/KAY 'S sent a letter saying they reported everything to all 3 bureaus accurately and won't remove any negative remarks. XXXX also shows a Charge-Off from XXXX/KAY 'S on ( XX/XX/XXXX ) and PAID ON TIME status from ( XXXX XX/XX/XXXX ) with Date of Last Payment as ( XXXX ). Which one is accurate. The last reports/updates are ( XXXX XXXX, XXXX XXXX AND XXXX   XXXX ) which makes me believe they never actually investigated the dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I have not received any investigation results. 

XXXX XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$53.00} LOBEL FINANCIAL XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$150.00} XXXX XXXX XX/XX/XXXX {$5300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: CARVANT FINANCIAL LLC
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I have not received any investigation results. 

XXXX XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XX/XX/XXXX {$11000.00} CARVANT FINANCIAL LLC XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$150.00} XXXX XXXX XX/XX/XXXX {$5300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: IL

Complaint narrative:
I have repeatedly disputed a collection account reported on my credit file associated with XXXX XXXX. The account was removed from XXXX XXXX XXXX XXXX  reports, however Equifax refuses to remove the trade line despite repeated challenges. When queried with regard to verification methods, no response/information is ever provided. I additionally challenged a " payment deferred '' remark added by my student loan servicer subsequent to implementation of the CARE Act which negatively impacted my credit scoring. I disputed the remark, as I am under an IBR agreement & did not initiate any deferment actions. Again, XXXX XXXX XXXX XXXX removed the remark, Equifax maintained it as accurate. Lastly, I requested outdated XXXX charge off account be removed. Once again XXXX XXXX XXXX   acquiesced & XXXX maintained the account. My last dispute with Equifax also resulted in 20 point drop of my Equifax credit score. 

Aside from the above mentioned issues, a recent request for a credit limit increase was denied due to the inaccurate information maintained by Equifax. XXXX XXXX specifically referenced information provided by Equifax as having driven the denial. 

Equifax needs to be held accountable for its lack of integrity as it pertains to the individual consumer. For maintaining innaccurate and/or outdated information, & the repercussions unjustly suffered by those committed to maintaining good credit profiles, and/or working diligently to improve credit worthiness.

Company response to consumer: Closed with explanation