vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I had credit owed to XXXX  XXXX but was sent to collection in XXXX to XXXX, XXXX, and XXXX XXXX in Pennsylvania. I had arranged a payment plan with them as soon as I got the formal written notice and investigated them. I also knew they were the company my debt was sent to because XXXX XXXX told me in a written notice. I finished paying in XXXX. 

Midland Credit Management is now threatening me with a law suit if I do not pay a {$3000.00} debt. When I first received the notice I called XXXX, XXXX and XXXX to verify the status of my account and they told me it was closed out as it was paid off. They suggested double checking with XXXX XXXX, which I did and they also had no record of me owing them anything. 

They still keep calling me and sending me written notifications of a legal action against me if I do not pay them what I " owe ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: KY

Complaint narrative:
In XX/XX/2023, after 16 years of employment, I was fired by PNC Bank. Due to this, my payments on my PNC Credit Card got behind. In XX/XX/2023, I contacted PNC regarding a Hardship Agreement on my PNC Credit Card. I was approved on the call for the Hardship Agreement. This meant that for 12 months, my APR was lowered, late fees were waived, and my payment was lowered to {$390.00} per month. I was told I needed to make the initial 3 payments for XXXX, XXXX, and XXXX before the end of each month. Soon after, I made the payment for XXXX. I continued to receive calls and emails from PNC Credit Card Collections dept. Most of the time I ignored these calls and emails, but when I did answer, I advised them that I was in the Hardship Program. I assumed it would take a month or a billing cycle to get straightened out. Throughout the month of XXXX, I received calls from PNC Credit Card Collections Department daily, usually multiple times a day. I received emails and text messages stating they were collecting a debt. I eventually received a call from the representative who worked with me to apply for the Hardship Program. I advised her I was still receiving collection calls, despite making my XXXX payment and having until the end of XXXX to make my XXXX payment. The representative stated that the payment was actually due the XXXX of the month, but that I get a grace period which is why she said the end of the month initially. I was assured that once I made my XXXX payment, I would not receive any more collection calls. I made XXXX 's {$390.00} payment. I have continued to receive collection calls from PNC throughout the month of XXXX. This time, I advised that I believed this was against the Fair Debt Collection Practices Act. I had entered into the Hardship Agreement and made my payments on time as advised, but yet I have continuously received collection calls and emails from PNC. I filed a complaint within PNC Bank 's Escalations Department. I was eventually told that in the agreement I made for the Hardship, it states collection calls will continue. How is that fair? How is that legal? I have entered into a NEW agreement with PNC when I entered into the Hardship Agreement and I have made my payments as agreed upon, yet I still get relentless calls. I made my XXXX payment on XX/XX/2023. I received a call from PNC Credit Card Collections on XX/XX/2023. I spoke to a Team Lead - XXXX XXXX, who stated that even though I have already made my XXXX payment, I will continue to receive collection calls until the end of XXXX because I am in the Hardship Program. How is this even possible? Much less, legal? I contacted the representative from PNC Escalations and told her about the continuing calls from PNC Collections and that I was making a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
this is to open a new complaint about previous problem. A payment to a credit card ( Chase ) was made by my bank ( XXXX ) of {$2000.00} on XX/XX/2023. Chase says they didn't get it. I have supplied them by mail the trace number, date of payment, amount of payment, and account payment made to. the still have denied receipt of payment. this has gone for months and we have been paying interest on the {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Since XXXX, I am no longer able to make payments online to PayPal Credit which is financed by Synchrony Bank. When I try to make the payment, I get the following error message : Sorry, there was a technical error. 

Please try again later. 

I have called Paypal and they insist only Synchrony Bank can fix the problem and Synchrony Bank insists only Paypal can fix the problem. I have had a conference call with Agents of both companies at once and both pointed the finger at the other and told me there was nothing anyone could do. Synchrony claims they can no longer see my linked bank account but this bank account shows as linked through PayPal. PayPal unlinked and then re-linked the account to no avail. I have tried different browsers using desktop computers and I have tried the mobile app but nothing works.

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter on XX/XX/2023 to Transunion, XXXX, and XXXX the following through XXXX XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S Code 1681a- Definitions ; rules of construction. 

The term " investigative consumer reports '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom she/ he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke with and how did they conduct the investigation.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter on XX/XX/2023 to XXXX, XXXX, and Equifax the following through XXXX XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S Code 1681a- Definitions ; rules of construction.

The term " investigative consumer reports '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom she/ he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke with and how did they conduct the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: NC

Complaint narrative:
I am highly upset! Grain has ruined my credit on an account I paid off XX/XX/2022. I have not used my account since I paid it off and I was current at the time! All my statements have a XXXX balance! This account was not charged off! I made all my payments! Please fix my credit! This is absolutely ridiculous that you ruin people credit with fake reporting! I have reached out to Grain and they said they are investigating but nothing has happened! I have attached all my supporting documents!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My school loans with XXXX have been discharged since XXXX of this year. It is reporting closed on every report except Transunion. I have tried to dispute several times and it says it comes back accurate. I have called XXXX several times and they say they will report it and never have.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2023 @ XXXX I called Experian and spoke with representative named XXXX XXXX I asked XXXX to please remove the dispute from my credit report and update credit report to reflect XXXX balance. XXXX refused to remove the dispute and clearly stated, " I will not remove the dispute form your account because this is not something I would do for you '' I asked to speak with a manager and XXXX would not transfer to a manager and stated " why do you want to transfer to a manager '' I told XXXX XXXX was recording the phone call and XXXX became upset and stated YOU CAN'T USE YOUR RECORDING IN COURT BECUASE YOU NEVER TOLD ME AT THE BEGINNING OF THE CALL THAT YOU WERE RECORDING OUR CALL. YOU CAN'T RECORD ME OR USE THIS CALL IN COURT '' I could not get my report fixed or updated because XXXX was rude, disrespectful and belligerent on the phone.

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
In early XXXX of this year, Aspire Credit card company took a payment for over {$1800.00} dollars from my checking account, days after the payment date. I did not authorize this payment and it was not to be taken out until the next regular payment date on XX/XX/XXXX. I contacted the company repeatedly about a refund. They kept telling me the refund was going to be sent within days of the withdrawl. Then it was sent on XX/XX/XXXX. Then it was sent on XX/XX/XXXX. As of today, I have NOT received my money they owe me. I contacted them again today and now they say I have to wait until XX/XX/XXXX to receive it. If I don't receive it, they will reissue and I will be waiting another 20 days for the refund to even be sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Hello, Toward the beginning of the year ( 2023 ) I made a large purchase ( {$35000.00} ) toward a service provider on my business credit card, to which the service was never fulfilled due to internal issues on their end. After much back and forth with the merchant, they eventually agreed to not fight a chargeback on the payment, if I were to submit one through my credit card company ( Citizens Bank ). 

Once this was established, I went ahead and filed a dispute against the charge made. I have even sent over all the necessary info Citizen 's Bank Claims Department needed, including a screenshot of the email to which the merchant claims, in writing, that they will not contest the chargeback and let the full refund go through. 

It has been two months since I provided this information to the claims department, and I have not heard anything from them since. I have tried calling Citizens Bank multiple times, to which they explain they can not contact the claims department directly, and that the case still appears to be under " Pending '', however, it is long past the typical time it takes for a case like this to be resolved. 

I have also tried emailing the claims department email directly " XXXX '', to which I have gotten no response. 

I have even contacted the merchant to which the dispute is being filed against, and they have not heard a single thing from the claims department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to express my deep concern and frustration regarding an unfortunate incident involving my Citibank account. On XX/XX/2023, I accepted what seemed to be a legitimate job offer from a company called Pharmscript Saga. I received a check for {$23000.00}, which I promptly deposited into my Citibank checking account. 

To my dismay, subsequent events unfolded in a manner that has left me in financial distress. Despite being assured by Citibank that the funds were secure, I discovered on XX/XX/2023, that a negative balance of - {$15000.00} had appeared in my checking account, as the initially cleared funds of {$18000.00} were unexpectedly denied. 

Multiple calls to Citibank seeking clarification did not yield a satisfactory resolution. The timeline attached outlines the events, including a wire transfer of {$16000.00} to an account associated with the scam. Additionally, a letter dated XX/XX/2023, from Citibank indicates that the check of {$23000.00} deposited on XX/XX/2023, is likely to be returned unpaid. 

This entire ordeal has caused me considerable distress and financial hardship. While I understand the complexities of fraud prevention, my experience with Citibank has been disheartening. I kindly request a thorough investigation into this matter and appropriate action to prevent similar incidents in the future. 

I appreciate your prompt attention to this issue and look forward to a resolution.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: DC

Complaint narrative:
The last time I saw my daughter she refused to return me home until we went to my bank so I could write her a check for {$18000.00} on Monday, XX/XX/2023. She picked me up at XXXX XXXX for a quick breakfast. She dropped me off at home just before XXXX XXXX. I will never again visit with my daughter one on one. 
My son, took me to the same bank branch Tuesday, XX/XX/2023 to file a stop payment on my daughter 's check. The PNC agent who took my completed " stop payment '' form said {$18000.00} would get re-deposited if my daughter still held the check. We were back home by XXXX XXXX. We later learned my daughter first presented the check the next day, XX/XX/XXXX, at XXXX XXXX. 
Shortly after XXXX XXXX on Wednesday, XX/XX/2023, XXXX XXXX called my phone announcing a recorded conference call with my daughter, and a PNC agent on the call. In five minutes I was twice asked if I really wanted to stop payment on the XX/XX/XXXX check. I answered " yes stop payment '', both times. My daughter asked me why and I told her she lied about her need for the money because her car ran well. She drove me to breakfast on XX/XX/XXXX in the car she said she could no longer drive for a disabled transmission. 
PNC NEVER KEPT IT'S STOP PAYMENT WORD!!!. 
The first time I asked PNC told me my daughter 's actions initiated PNC 's internal investigation that should conclude with a re-deposit. In XX/XX/2023 I closed my old PNC checking account and opened a new one because my daughter had withdrawn {$6000.00} in XXXX without telling me. The second time I asked in mid-XXXX I learned my daughter actually received {$18000.00} and I needed to engage PNC 's customer care center to receive the funds thereafter. We phoned and emailed PNC 's customer care agent daily until Friday, XX/XX/2023 when her supervisor told me I would not receive a re-deposit. 
PNC branch knew of my daughter 's changed behavior from my changed checking account earlier this year. Can anyone trust PNC with their life 's work represented in their savings and retirement? 
I believe my daughter worked with someone at PNC to get her criminally fraudulent way. Can my daughter get arrested for this fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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