vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/19, PNC Bank incorrectly charged my checking account {$100.00} in overdraft fees ( 3 fees of {$36.00} each ). The fees forced my account into a negative balance of {$100.00}. Absent these fees, my account had a positive balance of {$7.00}. I work 2 jobs to cover my expenses and do not have excess funds to give the bank for excessive fees. Therefore, I have not deposited any additional funds into my PNC checking account. 
I called PNC customer service on XX/XX/19 to ask if PNC would reverse the fees. The representative said he could not. He stated that the ( cash ) deposit I made on XXXX on XXXX was pending. I pointed out that the items for which I was charged overdraft fees were pending as well ( {$38.00}, {$1.00} and {$12.00} ). I then asked to speak to a supervisor. After being on hold for about 10 minutes, I was told there was no supervisor available but one would call me within 24-48 hours. I never received a call. 
As a result of the situation created by the bank, automated debits since XX/XX/19 have been returned, resulting in 10 fees, for a total {$360.00} in fees. 
I am requesting that the bank reverse these fees and credit my account for {$360.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Debt Reduction Services, LLC
State: CA

Complaint narrative:
Nationwide Debt Reduction Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, uses deceptive business practices. They sent me a vague, threatening letter about how I owe them money. According to my annual financial report, I have XXXX outstanding debt. This letter is a scam to get me to call them. This company is not even accredited with the XXXX XXXX XXXX   and there are many complaints about them and I'm sure those complaints don't even scratch the surface. I do not ever want them to contact me again. Nationwide Debt Reduction Services, you just wasted my entire morning and should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
5 years ago I took out a personal loan and my vehicle was used as collateral for the loan. A Lien was placed on the title. I paid off the loan XX/XX/2019 and the Real Time Solutions still has not released the lien on my vehicle. I have contacted them several times and get the run around, with the last contact being today. I am trying to get them to release the lien they placed and they avoid doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have made several attempts to have XXXX, XXXX XXXX XXXX  XXXX removed from my credit report with TransUnion. I paid that balance off in full in XX/XX/2018. TransUnion is in violation of my rights. This credit agency refuse to remove the account from my report. My credit score is at all time low as a result of them refusing to investigate. This is also a very old bill. I've moved into a new apartment after losing my home due to theft and abuse of my personal information. I have a new account number with XXXX, XXXX XXXX XXXX  XXXX. If only TransUnion take time to look into this matter with XXXX XXXX XXXX XXXX  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 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Credit & Finance, Inc.
State: TX

Complaint narrative:
I have received numerous calls to my cellphone, work ( which my boss was not happy about since I couldn't perform my job due to taking the phone calls ) they have even contacted my eleven year old daughter. I want the harassment to stop and they keep on calling me numerous times during the day. They never disclosed the alleged amount owed, they do not have the my correct address nor my exact corrected name on file. They are not even the alleged original collector.

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 2019-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: VT

Complaint narrative:
Nelnet has been handling my student loans since XX/XX/XXXX. The original loan amounts totaled {$41000.00} with a 6.8 % interest rate. Since XX/XX/XXXX, I have paid over {$15000.00} toward my student loans. I just received a letter from the department of education dated XX/XX/XXXX that I owe them {$48000.00}. I checked my Nelnet account and it says the account was paid off with a {$48000.00} payment - which I am assuming is the department of education 's payment they are trying to collect. I contacted Nelnet about the fraudulent amount but they have not responded. They are trying to overcharge me by {$20000.00}! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: IL

Complaint narrative:
Complaint : I have a public record & XXXX  XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 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:
Complaint : I have a public record & XXXX  XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I had tests performed by XXXX XXXX at the request of the referring physician Dr. XXXX XXXX who is one of the doctors at XXXX XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX. A claim was sent to my insurance which is XXXX  XXXX for the amount of {$310.00}. The claim was denied so I call XXXX  XXXX to fine out why the claim was denied. They told me that the doctor office submitted the claim which the wrong code and I should let them to resubmit the claim using XXXX which I obtain from my insurance company. I have sent XXXX copy of the invoice with code and spoke the there bill department rep. and still they have not submitted the claim to the insurance. Credit Collection Service sent me a letter tying to collect the debt of {$310.00} for XXXX XXXX. Attach you will copy of the invoice and the letter for Credit Collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reported this to you and to Equifax that they have an address in XXXX XXXX on my credit report and I have never lived there. I want this address removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX, 2018, I had a paid off and closed my Citibank credit card. In XXXX, 2018, I was alerted that XXXX XXXX had charged me {$10.00} on my closed credit card. It was a fraudulent charge so I contacted Citibank they put me in touch with their fraud department, they asked me to call the XXXX XXXX phone number on my statement to refund and don't charge my account anything. XXXX XXXX  refunded the {$10.00} I spoke with Citibank they confirmed it was refunded but admitted that XXXX charged me again under a different XXXX name and Citibank paid them after I was in a fraud alert discussion in progress. The next month they charge me a late fee. I called them again and they said they would remove it and continue the fraud investigation. The next month I had two months worth of late fees and they said they would remove them. They admitted they had not given the information to the other branches of their organization to not charge me. The next month I was reported to the three bureaus for 60 days past due for paying the late fees they informed me they were and would be removed. I called them again about fear of this error showing up on my credit report. They informed me that it had already happened and they could not reverse the 60 days past due reported to the three credit bureaus. They said I would have to do it. I have been Out of Country for three weeks on vacation, and am now starting the process of repairing Citibank 's error and negligence. I need it repaired immediately fore I am self-employed and my business requires bank loans and secondary market loans for Construction Loans to build Spec home in process to sell and make an income. I am so furious with Citibank and their negligence and the time and delays on obtaining descent Loans that I deserve for having such great credit and repayment on time for thirty-eight years of reported credit!

I have previous statements showing interest charged on fraudulent activity and late fees and where the fraudulent company refunded yet citibank charged me interest and late fees when under investigation. 
I asked citibank to reverse and fix my credit report due to there neglect and they refused and told me to call and dispute it when they knew they were at fault. 
I was on a recorded line on citibank each time I called and they have the recorded conversations.

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 2019-05-21 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
My name is XXXX XXXX XXXX with social security ending at XXXX and date of birth on XX/XX/XXXX. In XXXX, start an account with Amazon.com. As part of the purchase process, there is an offer with the Amazon Prime credit card through a third company / bank Chase Amazon Reward. The account was approved with the number XXXX. Since XXXX, make several purchases using a gift card and offer the Chase card. 

My son has an account for many years with Amazon.com. Since I opened the account in XXXX / XXXX all your memberships ( my son ) and payments have been related incorrect to my account. I do not have a subscription or bought anything at Market Place or membership. The only purchases was in XXXX. ( see evidence ) Today I call an Amazon representative and could only cancel the current charge and without explanation for the billing errors of the other months since XXXX / XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: MA

Complaint narrative:
In XX/XX/XXXX, this loan was discharged in US bankruptcy court. Discover Student Loans ( aka SLC ) continued to collect monies and report to credit agencies that my payments were delinquent and sending letters as such of my account being past due. I was informed by SLC that they did not discharge my loan and needed to repay. I have been paying on this loan since then at varying payments based upon my payment agreement with SLC. In addition, they offered me a 0.25 % discount for setting up automatic payments. In the past 5 years my rate has gone from 6 % to 11 % and billing reflects no such discount from automatic payments. I have consulted with my bankruptcy attorney, and this loan was in fact discharged and Discover ( SLC ) has been unlawfully collecting payments from me. I have forwarded all documentation to Discover ( SLC ) and when I speak with customer service I get no answers or help from the representative. I have made approximately $ 4000+ in payments and my loan balance continues to increase. Furthermore, my ex husband has contacted Discover claiming fraud, which Discover closed its case in XX/XX/XXXX stating he did lawfully co-sign for the loan. I was informed from discover that they did investigate but he can continue to file. This is harassment that the company continues to allow someone to file such claims, when it has been previously investigated twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had a financial change and have tried on multiple occasions to set up payment plan options with XXXX  XXXX XXXX credit card to keep from having to file bankruptcy or work with a credit counseling service. They refuse to work with me to be able to payoff balance. Also, they did not have the automatic payment options I had tried to set up on multiple occasions which has cause a ridiculous amount of fees. I had excellent credit leading up to this last year and a half due to our financial change and they have done nothing but make our ability to try to handle it impossible.

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 2019-05-21 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: AZ

Complaint narrative:
for the past 6 months I have been asking to please removed a XXXX account that keeps on showing on my credit report which does not belong to me any more this card belongs to my ex and i was just a user on his card but he tooked me out about a year and half and it keeps showing on my credit report and is damaging my report because he has a big balance on it, i had already asked to dispute this card and it seems that no one is doing it i even sent a letter to my credit report and nothing happen can you please help me with this matter 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
Consumer complaint received 2019-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/2019, I received a letter from PayPal Credit dated XX/XX/2019 thanking me for opening a PayPal Credit account. I have never opened a PayPal account or applied for a PayPal account. On XX/XX/2019, I called PayPal to tell them about this. I spoke to two people, neither of which could help me, but referred me to Synchrony Bank, stating that it was handling all new accounts for PayPal. I spoke to a person as Synchrony who could not help me but referred me back to PayPal. I then spoke with the third person at PayPal who said it was a Synchrony issue and should would get them on the line and stay on with me. She then disconnected my call. I called back to PayPal and left a message to call me and they never did. I then called Synchrony, talked to another person who could not assist me and then asked to speak to the supervisor. The supervisor said she would not help me unless I gave her all of my personal information and my only resort if I didn't was to contact the credit bureaus. I have spent approximately 3 hours talking to six individuals with PayPal and Synchrony who have set up a PayPal account in my name, but no one can help me close it as I do not want it. Please HELP!

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 2019-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc.
State: OH

Complaint narrative:
ARBOR PROFESSIONAL SOLUTIONS CLAIM THEY CONTACTED THE CREDIT BUREAUS TO HAVE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT FILE ON XX/XX/2019 FROM THE CREDIT BUREAU AGENCIES. THEY RESPONDED TO A COMPLAINT MADE BY MYSELF MAKING THIS STATEMENT. 
I CONTACTED XXXX ON XX/XX/2019 AND SPOKE WITH A REPRESENTATIVE BY THE NAME OF XXXX XXXX. MR XXXX CONFIMED THAT ANN ARBOR PROFESSIONAL SOLUTIONS DID NOT CONTACT XXXX ABOUT THIS ACCOUNT AS THEY CLAIMED IN THE ORIGINAL COMPLAINT MADE AGAINST THEM. MR XXXX SAID THAT THE LAST TIME THIS COMPANY CONTACTED XXXX  WAS IN XX/XX/XXXX OF XX/XX/2019 
IT SEEMS AS THOUGH THIS COMPANY IS REFUSING TO HAVE THESE ILLEGALLY REPORTED ACCOUNTS REMOVED FROM MY CREDIT REPORTS. 
THEY MADE A DISHONEST STATEMENT IN WRITING THAT THEY CONTACTED XXXX ON XX/XX/XXXX WHEN IN FACT THEY DID NOT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: CA

Complaint narrative:
the following XXXX accounts ( dept of XXXX and XXXX XXXX ) are inaccurate accounts reporting under my name, these are wrongful accounts located under my name, please find attached the FTC report and the police report for these irrelevancies, i have already sent this paperwork and many disputes to XXXX  and equifax but they have not been of any help.please as a consumer i need you r help to have these XXXX inaccuracies removed from my both XXXX and equifax credit file thank you

Company response to consumer: Closed with explanation