vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 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: CA

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2020, a levy was placed on to my account after a fax was sent on XX/XX/2020 to release the garnishment and levy. This resulted in my account to be come overdrawn and faced eviction as my rent was pending. If my rent didn't process, I would be homeless with a XXXX XXXX XXXX. Multiple attempts were made between myself and the NC DOR to have the release escalated. On XX/XX/2020, a conference call from the NC DOR with myself to Bank of America 's levy department at XXXX XXXX. On this call it was advised that the release would be escalated and the fees would be waived and to resend the release as I was experiencing a HARDSHIP. 

Today, the bank is acknowledging what was said but refuse to waive the fees as promised. I was lied to about the fees and placed into a position that forced me to be fearful of my XXXX   and I 's housing situation.

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 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied for a credit card with Synchrony bank / SAM 's club on XX/XX/2019 and was denied due to " Number of recent credit requests. '' My credit score is XXXX and I've never been late on a payment of any kind in my life, so I'm a little concerned they're basing their credit decisions on factors that may be in violation of ECOA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent.

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 2020-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: TX

Complaint narrative:
At XXXX XXXX  on XX/XX/2020 I received a phone call from a lady saying she was from XXXX XXXX. She asked if she could speak to XXXX XXXX and I identified myself as XXXX XXXX. She did not identify the company as a collection which by law they are suppose to. All she stated was they had some papers in their office submitted for final review. I asked what this was in reference to. She stated before she could proceed she had to make sure she was talking to the right person. I identified myself as XXXX XXXX, I will not give out personal and confidential information without knowing what the matter is about. I asked again what this was in reference to and she stated when she verified she had the right person and I stated I identified myself as XXXX XXXX. After she would not tell me what it was in reference to I disconnected the call. Also I have a very serious medical condition and can provide docuimentation to the CFPB if necessary. I have an XXXX  in the XXXX  XXXX and if my XXXX XXXX spikes to a certain point the XXXX  will XXXX  and I am XXXX  in two minutes. Such undue stress as this will cause that. The number the lady was calling from in the phone id data base I have is registered as a XXXX or XXXX  voice number. the number is XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I canceled my Internet service with XXXX and physically returned the router to their office location in XXXX XXXX, IL. The account was paid in full, and the agent on the phone and at the store assured me that no money was owed. On or about XX/XX/XXXX, I received a " disconnection notice '' and bill for {$350.00}. I filed a complaint with the XXXX. XXXX responded by stating the matter was resolved and the account reflected a XXXX  balance. XXXX also stated that they reached out to the collections agency ( Convergent Outsourcing ) to delete the collections account on XX/XX/XXXX. However, on the same date, the collections agency added another collections account for the same XXXX account on my credit reports. I received a letter from the collection agency on or about XX/XX/XXXX. They stated in their letter that they did not have this collection file. To compound this matter further, on XX/XX/XXXX, the collections agency added a second collections account to my credit files. There are now TWO instances of collections accounts for the same XXXX account from Convergent Outsourcing. XXXX is not returning my phone calls or emails.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I opened an account at PNC Bank in XXXX, PA. The initial deposit was approximately {$3200.00}. Between the opening date and my departure to XXXX, no other large deposits were added. Upon arriving in XXXX, I opened an account at a XXXX bank. Prior to my first paycheck, small deposits via XXXX ( {$100.00} - {$150.00} ) were deposited to my PNC, which was linked to XXXX. I believe maybe two or three. Again, no large deposits or withdrawals. On XX/XX/XXXX, I informed PNC that I will be traveling to XXXX with a return date of XX/XX/XXXX. Their representative informed me that I would have to inform them every 30 days that I remain out of the country. I made a call to PNC on XX/XX/XXXX to update travel notification. Upon arriving in XXXX, I received two deposits ( {$100.00} & {$150.00} ). I returned back to the states on XX/XX/XXXX, for the upcoming holidays. I visited a PNC in XXXX, NJ to exchange Euros for dollars. At that time, I was informed by the teller that my account had a " hold '' status. I telephoned customer service and spoke with XXXX XXXX. He informed me that someone called PNC on XX/XX/XXXX regarding a {$1000.00} deposit that was not in the account. PNC provided a provisional deposit of {$1000.00} and on XX/XX/XXXX those funds were withdraw. Immediately, I informed them that I did not make such a request. An investigation was initiated. Mr. XXXX informed me that a HOLD would be placed on the account and to destroy my debit card. On XX/XX/XXXX, my parent informed me that a letter arrived from PNC. Again, even after the HOLD was supposedly added to my account, PNC allowed another individual to call regarding a {$1000.00} deposit. PNC provided another {$1000.00} provisional deposit. These funds were withdrawn. Now, PNC is attempting to hold me accountable for monies that they freely dispersed. The balance on the account should be no more than {$10.00}. PNC did not ask any verification of information for the imposter to PROVE that they were me on the other end of the phone. They did not ask for birth date, address, social security number, and or mother 's maiden name. They just dispersed funds freely. What has annoyed me is that they did it a second time after a HOLD was placed on the account!! I have telephoned on XX/XX/XXXX, spoke with another representative, XXXX, that informed me that fraud was " all over '' the account. She, herself, could not understand it. She wrote up a Security Incident Report, # XXXX. I did not get such a report when I spoke to XXXX XXXX on XX/XX/XXXX. This is disgraceful. I am left to believe that these fraudulent transaction are actually being done " in house ''. Why would they issue another provisional {$1000.00}?, especially if the account has a HOLD on it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-08 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: CA

Complaint narrative:
A charge was made on my chase credit card on XX/XX/2019. It was a charge that I did not make. It was a purchase on amazon, in the amount of {$280.00}. I first called amazon about the charge. The order was not made by my account and I was told by amazon to call my bank and report the fraud charge. I called chase and reported the unauthorized charge in my credit card. They refunded me money at first but charge it back on my account. When I called them, upon review with their fraud team they do not consider my charge that I did not make and a transaction that does not appear on my amazon account a fraudulent charge. They stated that the merchant provided tracking number for a package that was sent to my address. Mind you I have never received such package. As I explain that I did not authorize the charge and I also did not receive any package, one of the reps told me that I should have not filed the claim as a fraud and I should have filed is as a item that I did not receive and I had only one shot to make the claim. I have this persons direct line and voicemail. I went ahead and called amazon, they are at fault at this as well. So while we dig more into this charge they tell me that the email used to make this charge is a unverified email, being unverified they can not provide me a refund and that the credit card should refund me. As we dig more into the charge, the amazon rep. told me that the charge was at XX/XX/2019 but the seller shipped the item XX/XX/2019. Amazon rep. Told me to call the bank again and dispute the claim once again. I message amazon to see if they can provide a written letter of the findings of the card was fraudulent but was told they can not provide such letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
On the back of my lease statement it states that " If your lease agreement was signed in Kansas, Louisiana Maryland or Utah, section '8 Late Payments ', is hereby modified by adding the following language : " The maximum late feel you may be charged is {$20.00}. Any higher amount in your lease agreement is hereby deleted ''. 

I have been trying to get this fixed since XX/XX/XXXX. I have spoken to multiple customer service agents and told that they have sent an email to their accounting to department and have not heard anything back. I spoke to someone on XX/XX/XXXX and they said that their team looked into it and said the fees are valid per the contract. I informed him that per their own billing statement, the language that overrides the contract and that they were not valid. He went to check the back of the statement and confirmed what I said. He said that they will have to " look into it ''. I have been hung up on multiple times and told that until my account is caught up they will not speak with me or do anything regarding the overcharge amount with fees. I have been charged {$32.00} since my XX/XX/XXXX statement to my current statement in XX/XX/XXXX. In this time the overcharge difference totals {$280.00} as of XX/XX/XXXX. 

Hyundai refuses to fix their issue even though have have been made aware of this knowledge and continues to overcharge me late fees. There have been multiple notes made on my account, yet they continue to call and inquire about payment which is understandable when I am behind in payment but to refuse to correct their mistake is unprofessional and against the law. 

I have attached both the first statement where the fee language appears and the most current statement with the same language. All statements in between have a late 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 explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: PA

Complaint narrative:
Received notification from debt collector dated XX/XX/XXXX. Called debt collector on XX/XX/XXXX to inform them the debt was paid on XX/XX/XXXX and cashed on XX/XX/XXXX by original biller. Debt collector had no record of payment. Called original biller and they confirmed that debt was paid and would notify debt collector. Received notification from debt collector dated XX/XX/XXXX that debit was still owed. Contacted debt collector on XX/XX/XXXX and spoke to supervisor. Supervisor claimed I would need to provide proof of payment, I told they would need to contact original biller and supervisor claimed it didnt work that way. Contacted original biller and they informed me that they have notified the debt collector on two occasions, in XXXX when debt was paid, in XXXX when I called and would send another notification. Agent claims that it sometimes takes 2 or 3 notifications for the debt to be cleared and to give it a week and call back debt collector to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
The following accounts are fraudulent : XXXX  XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: OK

Complaint narrative:
0n or XXXX I received a notice via email from XXXX XXXX Credit Card Services that an account need my attention, on checking my account I found that Franklin Collections  SVCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a collection on my credit report. I have contacted Franklin Collection XXXX four times about this account and explained that this is not my account. They showed no interest in getting this worked out. 
I contacted XXXX XXXX XX/XX/2020 at XXXX hrs talked with XXXX ID # XXXX in reference to this account She could not find any information on this account with my social security number,XXXX Name, XXXX XXXX XXXX or my address XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX OK XXXX Than stated she could not do any thing with out the account number or Social Security number on the account. The Account belongs to My son XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX under hid social number and address. I do not know his personal information. The last four numbers on the XXXX XXXX account from Franklin Collections is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FALONI & ASSOCIATES, LLC
State: NJ

Complaint narrative:
In late XXXX, my ex-husband contacted me to let me know a certified letter had been delivered to his address ( where I do not reside ) in my old name ( which I have not used since 2017 after it was legally changed as part of my divorce ). 

He mailed the letter to me and I opened it to find that I was being sued by XXXX XXXX XXXX on behalf of XXXX services. I have no knowledge of either Mr. XXXX or XXXX prior to this. There have been no previous attempts by the company or their lawyer to reach out to me for this supposed debt. And no one has proven to me this debt originated by me or is owed by me. It is my belief that this debt has been fraudulently obtained and that the lawyer ( MrXXXX XXXX ) did not properly review my file. I have been given no time to research the facts of this suit nor have I been given proof that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: TN

Complaint narrative:
I paid for dental work to XXXX XXXX. It was paid in full at the time of services. 2 years later they say I owe {$300.00} that is fraudulent. I do not owe XXXX XXXX any money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
The following accounts are fraudulent : XXXX  XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Hi, I have submitted disputes with the 3 credit bureaus 3 times all have been dismissed and left info on my report. I have left vm 's with the debt collector explaining that they have the incorrect data attached to my profile and they have not been getting back to me. 

This is a debt from 2015 and I am noticing Midland Credit has added XXXX documents to the account for another one of their " customers '' and won't replace it or get back to me, they send the same letter and the credit reporting companies are not helpful so not sure what they are sending them. 

But when I login to my account using the bills they send me I get a lady from WA 's  bills, I have attached them. 

I have videos of the login process but you can go to midland credit 's website and pull it up yourself. 
https : //www.midlandcredit.com/ XXXX I recorded a video but you can login too using the account number below and the last 4 of my social : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: OH

Complaint narrative:
XXXX was shut down & all my classes I took meant nothing. They were shut down by the Govt & forced to pay back why do I still owe?

Company response to consumer: Closed with explanation