vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 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: PNC Bank N.A.
State: IL

Complaint narrative:
I had opened an account with pnc bank in XX/XX/XXXX. My former employer wrote bad checks to me and never paid the fees with them resulting in me having to close my account because at the time I couldnt afford to pay the {$75.00} in bounced check fees. Fast forward to XX/XX/XXXX and I am still getting denied bank accounts due to this incident that happened 9 years ago. Pnc has reported this to ChexSystems and entered it in XX/XX/XXXX. 6 years after the fact. This is to my knowledge illegal. I would like assistance to help with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Four {$35.00} overdraft fees were assessed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Rentdebt Automated Collections placed an account on my credit report without sending a 30 day notice. When I asked them to remove this from my credit report they refuse to and never sent anything about the debt. They have not returned any of my calls that I have made to their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
Offered {$800.00} but only needed {$600.00} was never told the high high APR % of 448.5174 %. I have paid 6 payments and stopped payments on last 2 payments that were to come out of my bank account. I called and asked why I wasnt told about the over 448.5174 % APR rate. I was hung up on. Then I've called back twice just to wait on hold no answer. People do need help sometimes when an emergeny happens like for me it was a hot water heater gave out and busted but being dishonest to a consumer When I was not told I would have to pay 448.5174 % back on {$600.00} in interest. The true APR rate wasnt shown until after the loan was processed. They should shut this XXXX XXXX XXXX/ XXXX  XXXX  /big picture loans down. This was a scam Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 448.5174 % My Account is now Delinquent due to the fact I refuse to get ripped off from some company that is lying to people upfront instead of being truthful about ridiculous Interest rates ( APR % )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I had opened an account with XXXX bank in XX/XX/XXXX. My former employer wrote bad checks to me and never paid the fees with them resulting in me having to close my account because at the time I couldnt afford to pay the {$75.00} in bounced check fees. Fast forward to XX/XX/XXXX and I am still getting denied bank accounts due to this incident that happened 9 years ago. XXXX has reported this to ChexSystems and entered it in XX/XX/XXXX. 6  years after the fact. This is to my knowledge illegal. I would like assistance to help with my case.

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 2018-12-05 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: FL

Complaint narrative:
Starting on XX/XX/18 I attempted to get in touch with Experian to lift a credit freeze I placed on my account. There are no options available on their phone system to lift a freeze, only to place one.  There is no option to reach a human being on their phone system either. I checked through all of the options. 
I attempted to do this online it it told me that it was unable to process my request at this time and to call the same number I already called, which gives no option to solve the issue that it can not be processed online at this time. it also gives no ability to contact a human being. 
Last week and this week I attempted to do this online several times with the same result everytime. I attempted to try it through their phone system multiple times. 
Eventually I gave my information to the the Experian phone system option for Fraud Alerts because I thought they would call me back. Instead it automatically placed a fraud alert on my account and notified both other agencies of a fraud alert too!! 
Do you know how much trouble I am going to have to go through with all of my financial institutions with a fraud alert! 
Seeing as these credit bureaus have absolute power over anyone 's use of credit, bank accounts and any money transactions not made with cash this is unbelievable that they can get away with giving you no way to lift your credit freeze and then also no way to stop this fraud alert. 
I sent two emails to the Experian customer support address with no responses at all. 

This disturbance to the financial, mental and emotional well being of a person because Experian takes no real responsibilty in making access to actual customer service to deal with these issues. Yet they have full power to enact a fraud alert without confirmation and keep a credit freeze that is not desired. 

How can a company with this much power over our lives ( your 's and mine ) be allowed to operate in such a way that you can not contact a person at all to address such issues. 
They can lose all our personal information so we all have to live with freezes on all our credit to protect ourselves and lift them temporarily as needed and yet offer no way to contact them in real time whatsoever. 
I can not believe there is anyway in the world you are not getting 1000 's of complaints related to similar issues with the ability to contact and resolve issues with Experian. 

This does not seem like it should be a legal business practice for Credit Bureaus. 

Thank you XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
the loan company repossessed the vehicle told me the payment that was being made that it was supposed to bring my account current. I am now being told that it did not that it was still 37 days past due for 2 full payments past due.

They refuse to actually call me they put notes in claiming they have called me and then they never do. Not 1 representative has the same story about the past due amount I have one representative claim what I paid was paying the repossession fee only the next claims there was an error made in the payment that they didn't process it right.

On my account it shows that after they took the payment from me that I authorized they attempted to put a payment through that I didn't authorize them to attempt on my account.

At this time their claiming that I am 37 days past due and that the loan modification expired that they were supposed to have approved moving 2 payments to the end of my loan. Their claiming that the 37 days past due is a total of 2 payments which is impossible if it was 2 payments worth it would be 60 + days past due not 37 days past due.

I have read numerous complaints from other people who have had similar experiences with them. When they had the car repossessed they couldn't provide me with paperwork when they filled out the initial loan paperwork they screwed it up putting myself as the co-signer and my co-signer as the main signer on the loan when asked to fix it they said they can't do it because they would have to refinance it and they don't refinance loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted BBVA Compass Bank after I noticed that several credit card accounts were open Fraudulently from XXXX XXXX XXXX   and the payments were being taken from my second checking account. I advised both banks the XXXX disputed amount had to have been a roommate that rented a room from me for about six months. After he recently moved out I noticed things in my dresser drawer were missing such as money, Identification, and Credit Cards from companies I did apply for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I scheduled the payments on time and they are reporting as late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a federal student loan being serviced by Navient and my account has been " disabled. '' It says to contact them for support but they don't have a support option for the time that I am able to contact them ( after XXXX PST ). I am unable to make a payment on my loan ( Which I already don't want to do ) and it is incredibly frustrating to be denied the ability to pay someone while being held responsible for paying them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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 — Problem with personal statement of dispute
Company: U.S. BANCORP
State: WI

Complaint narrative:
I scheduled the payments on time and they are reporting 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 explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have contacted Portfolio Recovery Associates ( PRA ) including but not limited to the following dates and reasons for complaint regarding a negative account they report to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, Re-aging an account, XX/XX/XXXX change in balance of account, XX/XX/XXXX reporting inaccuracies, XX/XX/XXXX changes to Date of 1st Delinquency, XX/XX/XXXX - Request additional information, XX/XX/XXXX request for validation of debt. They have violated FDCPA more times than I can count. Their communications state, " debt too old to sue '' yet the dates they show as support are inconsistent. They have removed and added this account from reporting to my credit file. They have changed the amount owed several times. Each time I submit a written request, regardless of the nature of the complaint, I receive the same response- a partial copy of a statement. 

Additionally, each time I have disputed with PRA, I have also disputed this account with each of the Credit Reporting Agencies ( CRA 's ), XXXX, XXXX, and XXXX. Again, I receive the same response from the CRA 's that the " account has been verified '' by PRA along with an " account information has been updated '' statement from the CRA. Every time I dispute an inaccuracy, my FICO score takes a nose dive as PRA " updates '' WRONG information. It is my belief, based on their behavior, that they knowingly and purposefully report false or inaccurate information to the credit bureaus. 

When I disputed inaccuracies in XX/XX/XXXX I received notice from the credit bureaus that they would no longer look into my complaints against PRA since the account has been " verified ''. How can an account be verified yet, each time I dispute something, the details of the account reporting change? In XX/XX/XXXX I sent notice to all 3 credit bureaus that I demanded a re-investigation into PRA 's inaccurate and false reporting on my credit reports. Upon re-investigation, guess what? The same deal, account has been " updated '' as a result of my investigation request. Each time I challenge false information, PRA " updates '' with new false information. This time they sent me a 2 line synopsis of an account showing I have a balance of {$1000.00}. YET, the " updated '' information sent to my credit bureau files shows an account balance of {$7800.00} as of XX/XX/XXXX and a last payment date of XX/XX/XXXX!  Another direct purposeful, false, inaccurate data provided from PRA. 

These ongoing direct and serious violations of the FDCPA have created a significant negative impact on my ability to obtain fair credit. As a result I have been burdened with adverse and costly credit terms or complete denial of credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
The debts that are reporting are not accurate and do not belong to me. XXXX already verified the collection accounts are not accurate and removed them. They are still reporting on XXXX and XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC
State: AL

Complaint narrative:
I didn't apply for a loan with Rise Credit nor spent any of their money. I have reported to them that this a fraudulent account and isn't mines! 

I phoned XXXX Credit Reporting Agents starting XX/XX/XXXX when I received an alert from XXXX that someone applied for an credit card in my name on the above date and letting them know it wasn't me. I was talked to very rude and nasty and was told that anyone has the right to pull my credit report if they pleased to offer me credit. I then stated to the reps that I spoke to after calling 30 yes thirty different times back to back which I called from my cell phone which I can prove with the phone recorders. I told them I am a victim of fraud and they have the police report case # XXXX dated XX/XX/XXXX with the XXXX Police Department and my information was exposed with XXXX  Credit Union and my email address is on Dark Web. I did not apply for an account and who ever has, it fraud and I told them I filed a complaint with the Federal Trade Commission Identity Theft. I was then told by XXXX supervisor 's and reps there was nothing I could do but wait for two years for it to be removed. I replied It wasn't I who tried to get credit and it drop my credit score and that's not fair to me and it was fraud. I continue calling back trying to get help and wasn't able to. All I've received from XXXX was rudeness talk to nasty with no concern nor caring!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Debt Relief Center
State: CA

Complaint narrative:
My Fico Score is XXXX. I don't have unpaid debt to collections.

Debt Relief Center ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX above has been sending robocalls to me and my family for about two years ( landline and cell phones ) without identifying themselves.

XX/XX/2018 : I received an Important Notice from them ( Attached ).

I send the a certified letter to Debt Relief Center to cease and desist communication with me and my family ( Attached ).

XXXX ignored my request and continue calling me twice ( morning and afternoon ) daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dyck-O'Neal, Inc.
State: NY

Complaint narrative:
In XX/XX/2018 this collector XXXX XXXX appeared on my credit report as a late payment. I had no idea who they was and what debt I had with them so I had to call and reach out first. Once I got in contact with this agency I was told who they brought the debt from and made it into a unsecure loan with them with past due balance of XXXX late payment of XXXX dollars. I never got one notice from this. Agency about this debt they have failed to set up a formal payment agreement and just decided to put a late payment on my credit report. My second call to them was asked for documentation of payment plan set up with them she failed to send me this information and claim the XXXX dollars is the same Payment I was paying to who they brought the debt from. Well this is invalid due to them postings this documentation they claim they sent me in the XXXX site and shows the payment was only XXXX weekly which is only XXXX monthly so the payment are wrong let alone me and this said agency did not make and agreement on a payment plan I refuse to pay this back until these late payments are taken off my credit report and Handled the correct way

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bayside Capital Services, LLC
State: TX

Complaint narrative:
This company has threatened legal action. This company took money from my bank account UNAUTHORIZED, meaning they STOLE from me! The " VP of Operations, '' XXXX XXXX. I was bullied into making a few payments, then when I did not pay XXXX XXXX threatened legal action. He told me I was wrong for the things his employees told me. XXXX XXXX would go back and forth with me about making a settlement. When I wouldn't pay he would yell at me saying " I'm cancelling all your payments and you don't get a settlement! '' Very immature to say the least. After speaking to him the last time I realized I never received anything stating my debt, stupid on my part. XXXX XXXX threatened me with legal action. XXXX XXXX took money from my bank account UNAUTHORIZED. He STOLE money from me. This company has broken the FDPCA NUMEROUS times and I will not stand for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This is regarding said debt for XXXX XXXX XXXX. Under the FDCPA, I have the right to request validation of the debt you say I owe you. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I have never received any notice to validate this said debt.

Under the Fair Debt Collection Practices Act, I have the right to request this account be removed from your files as this debt has not been validated due to your company XXXX XXXX XXXX failing to provide notice to validate. Your firm could face severe consequences for pursing this account any further.

Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. Please stop all collection activity with me, except to let me know this matter is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
On XX/XX/2018 at XXXX, I received a call from suntrust mortgage company in regards to a bill due on the XXXX of the month. The last day to pay is on the XXXX ; in which I pay always pay on the XXXX of the month. Nevertheless, the call was unwarranted and not appreciated. I request to suntrust for them to stop but to no avail, it's still happening.

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 2018-12-05 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: ID

Complaint narrative:
there is no sufficient information to support Experian 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , UXXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX   ) XXXX, XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   ) 3396**

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