vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
PENN Credit Corporation has been trying to collect a XXXX & XXXX debt from me in the amount of {$340.00}. The debt is not only mine, but I did not live in the residence associated with the account during the time they are stating. I have disputed the charge, contacted the company to dispute the charge, asked for a validation of debt letter and also informed the company, along with the credit bureaus, that I am a victim of identity theft. I've had my credit report frozen and still have gotten no resolve. I've been verbally abused by representatives at PENN Credit Corporation and haven't received any written statements that validate the debt is mine. This is one of few battles I am fighting, and while other companies are being understanding, PENN has been nothing but rude. I even contacted XXXX & XXXX and spoke to a representative who admitted that they wrongly charge their customers for periods of time not living in the residence of an associated account. If that information doesn't get this removed from my credit report, I don't know what else will. I've done all the right things here and have taken appropriate action, so I'd greatly appreciate this false debt taken off my credit report immediately, so all parties can move on. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019i sent Equifax a letter of complaint stating they are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Collection Amount : {$92.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Equifax & XXXX XXXX XXXX XXXX XXXX XXXX  have not responded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-22 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: VA

Complaint narrative:
In XX/XX/XXXX XXXX erroneously reported to the credit bureaus that I was late on a payment on an account that had been paid off in XXXX. According to Equifax XXXX as of XXXX of this year is still reporting the account. The account was opened in XXXX. Equifax refuses to remove the account from my report and still reports an incorrect status that the account is in collections. I have disputed this account numerous time to no avail. I do believe this error by XXXX and Equifax caused me to receive a higher interest rate when I closed on my home loan in XXXX and continues to affect my credit score. Equifax failed and continues to fail to follow the Fair Credit Reporting Act. They are the only credit bureau to update my credit report to reflect current payments on accounts. They also tend to drop my credit score a few points after I make a complaint and file a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/2019 I opened an account at the BMO Harris reacting to the mailing sent to me. The offer was for {$700.00} account opening bonus which was presented to the banker at the time of account openings. 
Promo Code : XXXX As result I completed following requirements within 120 days of account opening : {$6000.00} of direct deposits or more ( actually XXXX was deposited through my employment with XXXX and XXXX XXXX ) 10 or more card transactions {$10000.00} or more balance kept at the Money Market account for 90 or more days. 

To date I received only {$300.00} in bonus instead of {$700.00}. {$200.00} was credited to my MM account which is correct however the checking account received only {$100.00}. And the {$100.00} bonus was deposited on XX/XX/2019 even before the qualifying period ended leading me to the conclusion that the bank had no intention to fulfill the conditions of the promotion to begin with.

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 2019-12-22 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On Friday, XX/XX/2019 I made an attempt to temporarily unfreeze my Equifax Credit Report at which time Equifax pushed a new requirement to do Security Freeze management through a my.equifax account. I signed up for an account and provided all of the correct security information, even verifying against my own Credit Report received from another Credit Reporting Company. At this time I was locked out of my account, told to call a number, which I did. That number involved providing additional information to a robo-assistant which then stated that I could not be helped by an agent. Eventually I was able to reach a human and was told I could not be helped because of a " system update ''. I then called back two days later and was told the exact same thing. I was also refused escalation to management. It has become clear at this time that Equifax is intentionally ignoring my attempts to access my data and to place/remove Security freezes as is my right. Below is the list of actions taken with times. 

* Friday XX/XX/2019 XXXX XXXX PST - Attempted to remove security freeze with Security Pin on Equifax website. Was notified by web-portal that a myEquifax account is now needed to take security freeze actions. 

XXXX Friday XX/XX/2019 XXXX XXXX XXXX - Was locked out after account creation in spite of answering all security questions. 

XXXX Friday XX/XX/2019 XXXX XXXX PST - Called the provided Equifax XXXX number 4 times, providing security and personal information each time and being told that no agent could help me. 

XXXX Friday XX/XX/2019 XXXX XXXX  PST - Called the same number and was able to trick the robo-assistant to provide a human agent. That agent simply stated that I would need to call back in 30 minutes to an hour as they were in the middle of a " system update ''. 

XXXX Sunday XX/XX/2019 XXXX XXXX  PST - Called using the same tricks to reach an agent at which time I was again told that I could not be helped for 30 minutes to an hour as they were again experiencing a " system update ''. I was also refused an escalation to a manager. 

XXXX Sunday XX/XX/2019 XXXX XXXX  PST - Called an hour later again as instructed and was once again told that a " System Update '' was preventing them from helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Fifth Third Bank My credit cards I use to have because of all of this my credit is bad I can't get anything. Fifth Third is saying my account which is closed. That I owe them XXXX.and something change round about estimated. But I made payments to XXXX  XXXX which says they sent back or something was wrong. So who gets the payment how do I owe both. Also XXXX account is supposed to be paid off. Suppose to help my credit. Nothing is right. Now I supposebly owe Fifth Third XXXX. XXXX XXXX 400 and something when I only had a credit limit of XXXX How do I owe XXXX? And XXXX canceled with bad credit after suposibly paying off that was my XXXX anyway. If anything they owe me. Everybody is blaming the other person. Somebody figure it out plz. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA charged my Capital One credit card the amounts below. XXXX did not see the credit card ; Capital One said, " The card was not present ''. So XXXX  processed the transactions below twice WITHOUT CONFIRMING A PIN NUMBER. 

XX/XX/2019 {$60.00} XX/XX/2019 {$53.00} I have also reported this to CAPITAL ONE. They have resolved the XX/XX/2019 charge, but the XX/XX/2019 charge of {$53.00} is still on my account. 

Obviously, XXXX  is accepting orders over the phone with just the credit card number and not asking for the PIN number. This is encouraging FRAUD. 

I live in Pennsylvania, so I hardly ordered pizza from California! I would think this procedure at XXXX  is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NJ

Complaint narrative:
I called to have my account put on forbearance which I was told I was granted which never happened. I than went into collections dues to the error and it shows up on my credit report as two separate occurrences on my credit due it being set up as two accounts that were combined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: DISCOVER BANK
State: NC

Complaint narrative:
XXXX XXXX XXXX My credit cards I use to have because of all of this my credit is bad I can't get anything. XXXX XXXX is saying my account which is closed. That I owe them XXXX.and something change round about estimated. But I made payments to XXXX XXXX which says they sent back or something was wrong. So who gets the payment how do I owe both. Also Discover account is supposed to be paid off. Suppose to help my credit. Nothing is right. Now I supposebly owe XXXX XXXX XXXX. XXXX XXXX XXXX and something when I only had a credit limit of XXXX How do I owe XXXX? And Discover canceled with bad credit after suposibly paying off that was my XXXX anyway. If anything they owe me. Everybody is blaming the other person. Somebody figure it out plz. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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 — Was not notified of investigation status or results
Company: Certified Bureau of the South, Inc
State: FL

Complaint narrative:
On XXXX i sent XXXX  a letter of complaint stating they are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : CERTIFIED BUREAU OF THE SO COL Collection Amount : {$92.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX  & CERTIFIED BUREAU OF THE SO COL have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
PenFed promised to give a {$100.00} airline baggage credit every year I have the card. On XX/XX/2019 I made a charge to my card for an excess baggage charge. PenFed did not give me the credit. I paid XXXX XXXX {$120.00} for a baggage fee. PenFed told me to send the proof that this charge was for baggage fees, not something else. I sent the receipt proving this was a baggage fee. PenFed replied with a fake excuse, saying they won't pay for a train station ticket in XXXX. The receipt clearly says XXXX XXXX, Baggage Fee.

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 monetary relief
Consumer complaint received 2019-12-22 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: Professional Collection Company
State: TX

Complaint narrative:
Professional Credit if XXXX LA is reporting I owed {$600.00}. The debt was {$400.00} and was paid by my health insurance company as Soon as the doctors office filed with the correct company. They filed with my old insurance even though on my previous visit they filed with the correct company. So clearly they had the right information. I discussed with doctors office the {$400.00} debt and they claimed I owed 50 % more because they turned over for collection. Thus was years ago. Ive already had it corrected with another credit reporting company years ago but it remains n XXXX report. Professional Credit of XXXX LA is falsely reporting the amount of the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Services, Inc.
State: NY

Complaint narrative:
This Collections Agency under contract by the US Department of Education is charging me more than {$12000.00} in fees and more than {$1000.00} in interest for a Student Loan Debt. They claim the Debt goes beyond {$80000.00} which is exagerrated and false. They claim they can seize my income tax returns and they have already damaged my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services has failed to dispute inaccurate information contained in my credit report. Equifax is simply sends me letters stating. " we have received your dispute, and have reviewed it. '' Equifax is intentionally neglecting to comply with more than 19 disputes over a 90 day period. Equifax is stating an item was verified, however following up on that dispute directly, no CDV was ever sent by Equifax. Online disputes are not being submitted and a standard letter is being mailed out. Unaccecptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS

Complaint narrative:
Well before filing bankruptcy I tried to keep the XXXX XXXX if they would lower payments and this was asked of Toyota credit services in 2017 I paid a couple of payments while I was waiting on them to come and get the car and when they got the car back they sold it at an Auction and still was trying to say I owed over {$11000.00} so then I keep getting harassed from them for a long time filed bankruptcy this year and the bankruptcy judge discharged it and they will not remove it from my XXXX credit report and will not remove it from my XXXX  credit report the only one they removed it from was XXXX  credit report can you please do something with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/XXXX service plans at best buy cancelled finally XX/XX/XXXX and XX/XX/XXXX refunded to Citibank but Citibank says they don't really have credits and the refund can take 30 days from the time they are refunded from best buy to my credit card to get credited toward balance and I will need to pay them in order to avoid interest. This is unacceptable to expect me to pay on something that has been refunded already and it not there will be late fees and interest.

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 2019-12-22 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: GA

Complaint narrative:
XXXX Opened XX/XX/2018 {$350.00} Original creditor : XXXX Opened : XX/XX/2018 XXXX 1 yr, XXXX mos ) Account status : Open Responsibility Individual Original Creditor Name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC
State: MI

Complaint narrative:
We pay monthly on debts accumulated from a family member that has since passed. Regardless we pay on the outstanding debt ( s ). We have told each creditor that we will pay monthly. The calls keep coming. We have caller ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
On XX/XX/2019, I contacted Navient because they have incorrect rly calculated my IBR payment amount. This is the 7th or 8th time they incorrectly did this and now they are trying to get me to change my plan, or take an administrative forbearance. They continued to give me the runaround when the payment is incorrect and it is their error : my payment went from approx XXXX XXXX  monthly to XXXX XXXX  monthly. Our income has only changed by XXXX XXXX so a payment of around {$200.00} would be maybe accurate. 

Navient is gaming the system knowing we will never be able to pay in full, so the interest they can rack up will be paid out at the end of IBR regardless of it they do it wrong or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services
State: TX

Complaint narrative:
I received the following alert in my credit file and I did not give them permission to look at my credit in any shape form or fashion and I have never heard of them. 


CLARITY SERVICES INC Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Line of credit on behalf of XXXX  XXXX  ( XXXX ). This inquiry is scheduled to continue on record until XX/XX/XXXX. 
Not disputable online

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There were four Dispute letters sent to each Credit bureau. All credit bureaus investigated a collection account on my report for {$3700.00} that is not mine and does not have a legal sign contract stating that it's my account. Trans union found the collection account is unverified and the account was closed on the XXXX XX/XX/2019 as seen on attachment. Then on XX/XX/2019, it was put back on my report. XXXX and XXXX  fail to do their investigation correctly after all four disputes sent. The first Dispute letter was sent out on XX/XX/2019, Second, XX/XX/2019, Third, XX/XX/2019, and XX/XX/2019. I also sent out validation letters to the collection agency and they failed to prove that the account is mine with no proof of a signed contract nor other information that was asked according to the federal Fair Credit Reporting Act XXXX FCRA 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 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received charges of XXXX {$26.00} XXXX on both XX/XX/2019 XX/XX/2019 on my credit card for a monthly membership that I never signed up for. I was able to cancel the " membership '', but unable to recoup the money already charged without my consent.

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 monetary relief
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: CA

Complaint narrative:
I'm writing on behalf of my father who does not owe anything to anyone. The company named Penn Credit Corp has been harrassing him for months. These are the dates and times this phone number XXXX has called him at his home : XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX If you would please them stop we would appreciate it!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation