vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: MO

Complaint narrative:
I receive my SSDI benefits on a ComericA Bank card. For three days I have been trying unsuccessfully log into my account but can not and the password recovery option is unavailable. I am trying to close account to stop fraudulent charges but when I call customer service at XXXX to cancel and get a new card the automated message says because of call volume they can not take my call. I now have NO way to contact this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
This customer service is horrible I cant open any bank account with no banks checking they tell me to call XXXX because of if theft alert on my social security number that XXXX is providing to these banks they refuse I called them and they say the same thing this is not fair when are my concerns going to be resolved this company XXXX and couldnt care less for me because they dont fix this issue I have proof from a bank that declined me stating the reasons and contacted this company to try and resolve this issue they say their is nothing they can do they play games with me and the banks refer me to this company to have this fixed with their system reporting internally id theft security alert do not open an account at this time the bank showed It to me and in a letter

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 2019-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was admitted to XXXX XXXX Hospital. After I was discharged, I completed the Financial Assistance Application. After reviewing the information, the hospital determined that I qualify for 100 % financial assistance for the time period beginning XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX. 

A representative from the hospital 's Customer Solutions Center instructed me to fax or email the award letter to any physician that sends me a bill and it should be honored. That includes XXXX, XXXX, XXXX, Emergency Room Physicians, XXXX XXXX, and my private physician. 

All account balances were adjusted to a XXXX  balance except XXXX XXXX XXXX. I've contacted the company multiple times and they refuse to act in good faith by honoring the award letter. I tried contacting them again this year but the phone number is no longer in service. 

On XX/XX/XXXX, I requested a copy of my credit report from XXXX and discovered that Collection Service of Athens is reporting an amount owed {$290.00} with a balance date of XX/XX/XXXX. I sent XXXX  a certified letter including supporting documents disputing the amount of the debt XX/XX/XXXX, however, the credit reporting agency never responded. There's a comment on my credit file that states " Consumer disputes this account information Medical ''

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 2019-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been disputing several accounts with all three credit bureaus for the months of XXXX and XX/XX/2019 that have clear violations. On several of these accounts, there are comments, but the date of last reported has not changed, which means they did not conduct a proper investigation. One of my major complaints has been the date of last activity on several of these accounts has been inconsistent across the three bureaus, which is a clear violation. I have asked for these accounts to be deleted from my credit report because of these violations, but instead my credit score has gone down during an active dispute. No changes have been made despite the violations. I would also like to point out that despite several attempts to correct, my date of birth and name are incorrect with one of the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Received Mailer from PNC on XX/XX/XXXX offering {$500.00} bonus for opening a XXXX XXXX XXXX XXXX Link on the mailer was XXXX and took you to this page - https : //www.pnc.com/XXXX  XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX The Full terms are present there. 

Account was opened on XXXX XXXX Contacted PNC multiple times to ask about the bonus and got different answers. 

First time - No Bonus 2nd Time - {$300.00} Bonus 3rd Time - I asked why is it {$300.00} when I signed up for {$500.00}. Rep then has the audacity to claim " PNC HAS NEVER OFFERED A {$500.00} BONUS IN OUR HISTORY '' and refuses to proceed further. 

I am at my wits end. I have attached a screenshot of the offer I signed up for below

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/19 I contacted Experian, XXXX, XXXX and " ALL '' creditors listed on my credit report to remove " ALL '' 18 unknown inquires from my credit report. I explained that I didn't authorize 'ANY '' company to run my personal credit and that I need the inquiries removed IMMEDIATELY!. I also explained how these inquires are hurting my credit ( FICO SCORE DRAMATICALLY ) it's showing lenders that I'm untrustworthy due to the inquiries I also explained if they look at my credit report my accounts are in good standing except 1 Auto Loan that I'm currently on a payment plan for.These creditors are running my credit report 2 or 3 times in 1 month which is ridiculous dropping my score even more. I was told by " ALL '' 3 credit bureau that will have to call each creditor and ask for a deletion letter. I then called " ALL ' creditors that's listed running inquires. Explaining the situation and was told that on some accounts I'm not even found in there system at all, so they can't give me documentation and the other companies stated that I had to contact " ALL '' 3 credit bureaus to have them removed. This situation is becoming more and more frustrating and more damaging to my credit by the day. Being that I I'm a contractor for CFPB my credit and finances have to be in order. Please HELP!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Health Corporation
State: DC

Complaint narrative:
These are fraudulent people trying to collect debit thats not owed and already deleted years back. Different people calling from different companies for debt thats not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: NY

Complaint narrative:
I have been disputing several accounts with all three credit bureaus for the months of XXXX and XX/XX/2019 that have clear violations. On several of these accounts, there are comments, but the date of last reported has not changed, which means they did not conduct a proper investigation. One of my major complaints has been the date of last activity on several of these accounts has been inconsistent across the three bureaus, which is a clear violation. I have asked for these accounts to be deleted from my credit report because of these violations, but instead my credit score has gone down during an active dispute. No changes have been made despite the violations. I would also like to point out that despite several attempts to correct, my date of birth and name are incorrect with one of the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been disputing several accounts with all three credit bureaus for the months of XXXX and XX/XX/2019 that have clear violations. On several of these accounts, there are comments, but the date of last reported has not changed, which means they did not conduct a proper investigation. One of my major complaints has been the date of last activity on several of these accounts has been inconsistent across the three bureaus, which is a clear violation. I have asked for these accounts to be deleted from my credit report because of these violations, but instead my credit score has gone down during an active dispute. No changes have been made despite the violations. I would also like to point out that despite several attempts to correct, my date of birth and name are incorrect with one of the bureaus.

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 2019-10-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax was used by XXXX in XX/XX/ for a background check/credit check for a job I was applying for. The information that they provided was inaccurate and caused the only delay in my processing. I have disputed these items and Equifax has not properly investigated these errors as required by FCRA. The most recent dispute was verified as accurate on XX/XX/. As the documentation attached will show the disputes are based on information directly from their report but that can not be verified as accurate as I have outlined. Equifax is in violation of the following Reinserting or reporting a previously deleted item without notifying me in writing within 5 business days of the reinsertion ( XX/XX/ & XX/XX/ ) Reporting the status of an account as a charge off when it is paid in full ( XXXX /XX/XX/ ) Willfully and recklessly reporting false info after being notified of the error and failing to investigate or correct the error as stated in my previous complaint Equifax must open an independent investigation and reinvestigate these items as required by FCRA XXXX 
Equifaxs failure to comply will lead to additional complaints being filed with regulatory authorities and other legal options if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
The options on the previous page didn't fit my complaint. It is TRUE that Rent Recovery Solutions ( RRS ) made false statements in a previous dispute with them. That remains a part of my complaint even now. The other part of my dispute with this fraudulent company is that I requested to validate my debt under the Fair Debt Collection Practices Act ( FDCPA ) and all I received was an itemized list of the alleged charges they claim I owe. This DOES NOT meet the Federal Trade Commissions guidelines of what constitutes proper debt validation! Re : the FDCPA, 15 USC 1692g Sec. 809 { b } I dispute your claim and request AGAIN -- that you validate this account, and if you do not, you MUST DELETE it from my credit reports. YOU MUST PROVIDE ME WITH THE FOLLOWING : 1 ) What is the money you say I owe for? 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4 ) Prove the Statute of Limitations has not expired on this account ; 5 ) SHOW ME THAT YOU ARE LICENSED TO COLLECT IN MY STATE OF FLORIDA WHERE I RESIDE ; lastly, 5 ) Provide me with your license numbers and Registered Agent or Agent of Service. RRS you are STILL reporting this collection on my credit report, WHICH IS CONSIDERED TO BE A COLLECTION ACTIVITY. Because you have not validated this account, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I will collect from you by filing a claim in small claims court if you do not remove this ILLEGALLY-REPORTED ACCOUNT from all of my credit reports. In addition, the Fair Credit Reporting Act XXXX FCRA ) does not allow the inaccurate reporting of information on my credit report. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: GA

Complaint narrative:
I have made several attempts with Experian to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1.  XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX Account # : XXXX 3. XXXX XXXX XXXX Account # : XXXX I am a victim of id theft and Experian has taken its slow time in removing these fraudulent accounts and Experian has also violated my rights and broken the law 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This bank treats me horrible their customer service doesnt understand what identity theft is I have applied for the XXXX XXXX once and now due to so many applications they refuse to process my valid one and the fraudulent ones delete from their system they want me to wait 40 days to reapply their crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
This bank treats me horrible i have all their emails they provide mis understanding information the last letter I received they say I cant bank with them previously they say its XXXX inquiries I told them Im a victim of identity theft their very rude and nasty their is a lady their that on the letter has a number she had been emailing me as well and she wont return my calls leave voicemails I just want to bank with them and have a checking account I dont understand why they give me such a hard time both online and at the branch whats preventing me from opening an account with this bank why wont they be nicer to me to get this resolved why ignore me and be nasty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I was shocked when I viewed my credit report and found a late payment on the date below : 30 days late XX/XX/2017 I am not sure how this happened. To my knowledge and understanding I made all my payments upon receipt of my statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: DISCOVER BANK
State: GA

Complaint narrative:
I have made several attempts with XXXX to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1.  XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX Account # : XXXX 3. DISCOVER FINANCIAL SERVICES Account # : XXXX I am a victim of id theft and XXXX   has taken its slow time in removing these fraudulent accounts and XXXX has also violated my rights and broken the law 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 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: MoneyLion Inc.
State: GA

Complaint narrative:
I have made several attempts with XXXX to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1. XXXX XXXX XXXX XXXX Account # : XXXX 2. Money Lion Account # : XXXX 3.  XXXX XXXX XXXX Account # : XXXX I am a victim of id theft and XXXX   has taken its slow time in removing these fraudulent accounts and XXXX has also violated my rights and broken the law 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
To Whom it may : concern My name is XXXX XXXX, I live at XXXX XXXX XXXX XXXX, XXXX, Illinonis XXXX, my SS # is XXXX, I was born XX/XX/XXXX. I am writing this letter to you today to ask you to completely eliminate my student loan from Navient based on bogus practices. Navient is facing a lawsuit for the following : that they harmed student loan borrowers throughout the repayment process, the CFPB alleges that since at least XX/XX/XXXX, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans. 

Navient Plaintiffs regarding Navient lawsuit represented by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX in XXXX. 


As a result, the plaintiffs claim that teachers, nurses, first responders, social workers and other public servants are paying millions of dollars more than they otherwise should in student loan payments. 

https : XXXX -- XXXX XXXX all about it https : XXXX # XXXX I am a product of such practices. Because they have had me get several forbearanes, which caused the interest rate to skyrocket. I am XXXX dollars in debt maybe more with the interest rate. 

It is no way on Gods green earth I can repay this loan back, and I am now XXXX years old, not only that. The school that I went to is now closed down, because of their practices I was told that my diploma would be obsolete because they have lost their accreditation. 


Complaint regarding the XXXX XXXX XXXX XXXX According to the complaint, on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX campuses lost their status as an accredited institutions, so if they are no longer an accredited institution that means that my diploma is obsolete, no good, I went to school for four years, and I worked hard, and then when I went to them to help me find a job they said I have been out of the industry, so therefore my skills were obsolete, how terrible, I was really upset over this, how can you tell me my skills are obsolete. Education should be free if you go to school and then later your skills become obsolete. They said they would help me find a job and they didnt very false, very misleading representation. 

There have been so many complaints against the XXXX XXXX XXXX XXXX, so many students were done wrong by this institution. 

Therefore as a result of all this, I feel that my loan should be totally forgiven, I am close to {$90000.00} dollars in debt, I do not want to have such an astronomical debt hanging over my head, I feel my education was a total waste of time, and money that I did not get, and have nothing to show for it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on my credit report from XX/XX/2017. 

30 day late XX/XX/2017 I am not sure how this happened. I believe I have made all of my payments to you upon receipt of the statement.

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 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have sent Synchrony XXXX XXXX  a letter two weeks ago stating that this account was fraudulently. I have not heard anything from Synchrony Home. Please remove and delete account immediately.

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