vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-03 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: KEYCORP
State: IN

Complaint narrative:
Company was charging excessive fees reported them to the CF already. They responded with the letter stating that nearly one-third of the fees we're just and then refunded an amount of money that was not equal to 2/3 of the total fees. Total fees in excess of {$3000.00} amount refunded XXXX that leaves a balance of {$600.00} and {$0.00} that they still owe me according to their letter if one third is just then 2/3 was charged incorrectly. I'm asking for the remaining amount of {$600.00} be refunded to my account according to the letter from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: VA

Complaint narrative:
I sent a letter of dispute on XX/XX/2018 asking for them to validate the account they were attempting to collect by sending a signed contract. They did not send the information I requested, but instead reported to the credit bureau 's that it had been verified as accurate. They have not responded at all to my request. I have informed them that they are are required by federal law to validate - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request to see Validated Proof ( an original Consumer Contract with my Signature on it ) XXXX XXXX XXXX XXXX has on file of the account they claim I owe since I have never had an account with the company they represent and believe it to be a case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: PNC Bank N.A.
State: MI

Complaint narrative:
I signed up for a new cash rewards card with PNC months ago and was suppose to receive a bonus of XXXX dollars when I spent 1000 or more total in three billing cycles. I called PNC numerous times and was asssured I had met this just keep using the card and was just taking sometime. Finally it reach where it was was taken to their complaint department after calling again who called me back recently telling me they dont have any promotions for XXXX dollars back yet its clear as day they do and is posted online still today. So in the response submitted to the CFPB I ask PNC provide all promotions offeres in the last year to current. Furthermore, failing to provide the advertised promotions is possibly a direct violation of unfair predatory banking practices and possible violations to consumers protection acts and the Dodd Frank Acts. Many new accounts were opened with PNC and people arent getting what was advertized which is not only unfair to consumers but other big banks like XXXX and XXXX  XXXX XXXX who have honored their promotions and agreements with consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
I received a telephone call from XXXX XXXX for a debt owed to Continental Finance Company ( XXXX at XXXX ) in the amount of {$630.00}. The first call I received was from a Service Processor stating that I would be served a complaint and that someone would need to be at my resident with two pieces of ID to sign for this Complaint and if I wanted to stop the process - I would have to call their office. I did call -- they wanted the following arrangements in order to stop the Service Processor : {$190.00} on XX/XX/2018 ( which I paid - and it was a struggle ). They also wanted me to pay {$440.00} on XX/XX/2018 to close out the account. I was unable to come up with the finances - so I called and they asked what could I pay - I told them that I would try to get at least {$100.00} - which I did and paid - but set up arrangements to pay the final {$330.00} by XX/XX/XXXX - which I am still unable to do. I pressure and stress to met their expectation is overwhelming. They stated that if I did not keep these arrangements that I would have to come to court and let them settle the matter. Help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: WA

Complaint narrative:
On XX/XX/2018 I filed a dispute with Netspend in the amount of XXXX. I accidentally paid XXXX more than what I wanted to pay. Called merchant they didnt do anything. Called Netspend talked to them. Was told to file a dispute so I did. They emailed something to fill out. I told them I have no printer or any way printing anything out. They never sent me anything in the mail. They will not credit my account. Told me I have to wait until they update me on the XX/XX/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 2018-08-03 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: On-Site Manager, Inc.
State: IN

Complaint narrative:
Applied for several rental properties on XX/XX/2018 and I was not made aware that a hard inquiry would be place on my credit report for applying. 

This particular company Leasingdesk not only placed a hard inquiry on my credit but initially gave me a bad rental history that I was denied and had to get additional information to prove it. 

Since they have sent emails to advised that their reporting was indeed in error. 

I applied for several rental properties and none gave me a hard inquiry or provided this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I have disputed XXXX XXXX many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately.

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 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My TRANS UNION credit report is missing a credit card account. The credit card account is from XXXX XXXX XXXX  XXXX and was opened on XX/XX/XXXX. It is an active, open, current account in good standing, and I have never been late with payments to this account. I am the authorized user on this account and have been using this XXXX XXXX credit card throughout XX/XX/XXXX. It has a credit limit of {$7500.00}. The primary card holder is my girlfriend XXXX XXXX XXXX. I have notified TRANS  UNION in writing the full description of this account, and requested them to contact XXXX  XXXX XXXX XXXX so that they can verify that it is a valid account and therefore, it should be listed on my TRANS UNION credit report. I have also contacted XXXX XXXX XXXX XXXX to have them call TRANS UNION and tell TRANS UNION to start reporting this account on my credit report. Neither TRANS UNION, nor XXXX XXXX XXXX XXXX, have done anything to rectify this omission on my TRANS UNION credit report.

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 2018-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
Subbmitted a fund transfer request on XX/XX/XXXX, got email confirmation on XX/XX/XXXX, my family contacted the bank but never got funds. contacted the company who asked me to cancel the reuest due to exchange rates changes. 

order # Order No. : XXXX Order No. : XXXX Operator : XXXX XXXX  BANK ACCOUNT : XXXX Transaction Date : XX/XX/XXXX XXXX XXXX Track your Order at XXXX  Date Available : XX/XX/XXXX ( May be available sooner ) SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX - United States Ph:XXXX XXXX XXXX  # XXXX , XXXX # XXXX, XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX - XXXX Ph : XXXX XXXX XXXX XXXX XXXX XXXX PIN No. XXXX Transfer Amount XXXX   USD Exchange Rate {$1.00} USD = XXXX PKR Transfer Fees XXXX USD Transfer Amount XXXX PKR Transfer Taxes XXXX XXXX Other Fees XXXX PKR Total XXXX USD Total to Recipient XXXX PKR

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 2018-08-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted Identity Theft affidavits via the FTC to Equifax, the documents were signed for on XX/XX/2018. In detail it referenced all accounts that were fraudulent. Both XXXX  and XXXX followed proper protocol per Section 605 ( B ) of the FCRA ... but Equifax claims that they don't have to follow those same consumer protection laws that states within 4 days of receiving the proper documentation that all of the accounts in question should be blocked from he consumer credit profile ... .I spoke with 2 separate agents that stated and I QUOTE 'EQUIFAX DOESN'T FOLLOW THE SAME GUIDLEINES AS THE OTHER 2 CREDIT REPORTING AGENCIES ... .now last time I heard the laws should apply to all the same way. Equifax is the worst, and they lie and cheat the consumers daily because they get paid BIG BUCKS by these companies to damage credit profiles for financial gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I know this is not the fault of the person handling this case but someone needs to see this and take action ... 
As a result on an investigation I requested, on both XX/XX/17 and XX/XX/17 ( see enclosed reports ) Equifax was showing a bankruptcy as deleted and not reporting respectively. Only to add it back later. According to the reports sent to me " If an items " Deleted '' Equifax has removed the item and was supposed to take steps so that it does not reappear. '' Equifax has failed in this regard and is in violation of the FCRA ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Coastal Credit, LLC
State: FL

Complaint narrative:
Me and my husband purchased a vehicle with a dealership that used Coastal Credit as our lenders. My husband got out of the military and we unfortunately had to leave the state and move back home which put in in a lot of financial strain. We attempted to have the car picked up in New Jersey as that is where we were located. The car was never picked up and we were continuously harassed about making payments. Fast forward to recently having to go through an ordeal with courts where we live now as they are attempting to garnish my wages for an amount that hasn't been specifically explained and documentation has not be furnished to show why that specific amount is being asked for. They were asked to come get the car and they did not do so. Instead it got impounded and then auctioned off. I am the only one working in my household right now and have dependents that depend on my checks. I cant afford for 25 % of my check to be taken. This debt is from XX/XX/XXXX and we are in XX/XX/XXXX. That is almost 7 years ago that this happened. They haven't attempted to contact and process anything until right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP
State: NV

Complaint narrative:
I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX XXXX XXXX XXXX XXXX. THEY TOLD ME THEY HAD A BUYER FOR MY TIMESHARE. WELL THAT WAS NOT THE CASE. THEY ONLY WANTED TO STEAL MY MONEY AND NEVER BE HEARD FROM AGAIN. I PAID THEM SEVERAL TIMES ; XX/XX/XXXX XXXX XXXX  XXXX MY VISA DEBIT XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX  WIRE FROM MY BANK I ALSO FILED WITH THE ATTORNEY GENERALS OFFICE AND I AM GETTING BACK MONEY FROM XXXX XXXX BUT ITS NOT THE FULL AMOUNT I PAID TO THEM. ATTORNEY GENERAL HAS ME RECIEVING XXXX A MONTH UNTIL I GET BACK XXXX BUT I PAID THEM XXXX ALL TOGETHER. WAS PRAYING THAT MAYBE I COULD GET THE FULL AMOUNT I PAID THEM BACK WITH SOME HELP FROM CFPB. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME. THIS IS SENIOR CITIZEN ABUSE AND IT JUST ISNT RIGHT THAT THESE SAID COMPANIES ARE ABLE TO TAKE FROM ELDERLY PEOPLE LIKE THIS. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I requested money on paypal from my aunt for {$1100.00} to repay me for purchasing a hotel for a trip. In the money request it did not ask that I designate it as a friend to friend transfer ( no fees ) or a business transfer ( fees ). My aunt said there was no option to designate as a friend to friend transfer or a business transfer so she just clicked pay. I was charged {$33.00} for the money transfer. I asked paypal to refund the fee because we didn't see options to not pay the fee on the request end or the payment end and they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AVANTE
State: TN

Complaint narrative:
This company is repeatedly calling my work, asking for me by my former last name, so I know this debt is OLD as I have been re-married now for 8 years. 

But, I have let them know on every single phone call they make to my work, that they are calling me at work, however they continue to contact me at work repeatedly throughout the day ( sometimes 4 times per day ) and almost daily. 

The company 's name is Avante USA and the number they are calling me constantly from is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My Citi credit card has a feature that I can return a purchase to them if I cant return it to the retailer. I used this feature on XX/XX/18 for a messenger bag I had bought and could not return. 

Citi gave me a XXXX shipping label to send it to them. I dropped the bag off at a XXXX location. After a month and no update from Citi, I called them and they told me they had not received the bag. They told me to contact XXXX. I went to the XXXX store and was told they would have to open a trace because tracking showed it was never processed. The trace was closed without XXXX finding the bag. I contacted Citi and they said it was my responsibility to send them the bag, and that they wouldnt do anything further for me. 

I don't normally use XXXX because it is inconvenient for me to get to a location. I only used them because Citi instructed me to do so. Citi didn't give me an address to send the bag, they just sent me a shipping label. I could not send the bag to them any other way. Now they are saying they take the word of XXXX over mine, and they will do nothing further to assist. My bag is lost because I used the shipping label Citi gave me ; had Citi just told me where to send the bag, I would have used a different, and in this case more secure, method of shipping. 

Now I am out {$270.00} and a bag

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 2018-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I took out a loan so my son could complete his studies. afterward, I lost income due to the fact my son was hospitalized and I had to become his caretaker. I ran out of money and became XXXX  for several years. I continued to send monthly payments to the agency that was a lot less than the amount expected and shared with them my difficulty and continued to make payments of the lesser amounts. Several times via phone calls I was promised to be given break because of my dire financial straits. I continued to be diligent on making payments of the lesser amounts often and told if I did make payments of at least {$40.00} monthly religiously for a year, I would be in an ln forgiveness program and my debt would be wiped away. Last year I got another call asking me to increase my monthly payment to {$80.00} a month with the same promise. I got another call with a complaint from the same agency agreeing that the previous callers dropped the ball and did not record the verbal agreement. They are threatening to force my current spouse to pay the bill in full, he is not responsible for this loam. They want to force me to sign new paperwork lying that I rejected an offer for a lower rate, then telling me getting the lower rate is not going to help me. 
I sent them a letter telling them I am still making payments of {$80.00} monthly as previously agreed upon and will continue to make these payments. This threat of making my husband pay monies he does not owe will again put me in a homeless situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: UT

Complaint narrative:
I filed a dispure in XX/XX/2018 against XXXX XXXX. I went into a payment agreement with XXXX and they promised not to report late as long as I kept to the schedule. My dispute was that all payments were made on time. according to agreement. Experian agreed with my update however dropped my FICO score 14 points for no reason. There was absolutely NO CHANGE to my credit report. I tried to work it out with their dispute team and they were extremely rude and impossible to work 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 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My XXXX XXXX credit report is missing a credit card account. The credit card account is from XXXX XXXX XXXX XXXX and was opened on XX/XX/XXXX. It is an active, open, current account in good standing, and I have never been late with payments to this account. I am the authorized user on this account and have been using this Quicksilver Mastercard credit card throughout XX/XX/XXXX. It has a credit limit of {$7500.00}. The primary card holder is my girlfriend XXXX XXXX XXXX. I have notified XXXX XXXX in writing the full description of this account, and requested them to contact XXXX XXXX XXXX XXXX so that they can verify that it is a valid account and therefore, it should be listed on my XXXX XXXX credit report. I have also contacted XXXX XXXX XXXX XXXX to have them call XXXX XXXX and tell XXXX XXXX to start reporting this account on my credit report. Neither XXXX XXXX, nor XXXX XXXX XXXX  XXXX, have done anything to rectify this omission on my XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have contacted Equifax several times regarding an account that does not belong to me and was not authorized by me. I have been a victim of identity theft and provided Equifax with a police report explaining the account was fraudulently opened up. I have also contacted the collection company directly and they have acknowledged the account was fraudulent and have released me from the obligation of paying it. I forwarded this letter for deletion directly to Equifax along with my police report, social security card, drivers license, cover letter and they continue to inaccurately report this account on my credit report. 

I demand that they remove this fraudulent account from my credit report. 

The collection company has agreed to remove the file from my report, the police report explains I have been a victim of identity theft and Equifax still refuses to remove the account. 

Account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief