vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 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:
SENT OVER THE AFFIDAVIT AND EQUIFAX IS PUTTING THE CREDITORS UNDER ANOTHER NAME FCRA VIOLATION WITHOUT NOTIFYING ME WITHIN THE 10 DAYS GRACE PERIOD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: CO

Complaint narrative:
Real Time Resolutions is there name. I emailed them twice 2 send me letter of dept validation over 10 days ago and still no letter was sent out. Went to the web site they told me to go to but my info was not in there and it was coming up blank in most sections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I informed the creditor to contact my bankruptcy atty. and they have repeatedly contacted me afterwards and threatened they will still try contact me to collect on the debt.

The creditor is : Tower Loan, XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, ( XXXX  ) XXXX and ( XXXX  ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
This morning I checked my account at PNC Bank and saw a withdrawal of {$100.00}, which I knew nothing about and did not authorize. I called the bank about it and they said that they did the withdrawal and placed the funds in another account that my social security appears on. I AM NOT THE OWNER OF THAT ACCOUNT! That account is owned by by XXXX XXXX, and my name is on there just for oversight. I have NO MONEY, NOT EVEN TO BUY FOOD, because PNC illegally withdrew my money to put into another account I dont own, and which is overdrawn only 17 days! 

The Bank claims they are doing whats within their rights but its not true. The bank exercises collection right AFTER 30 DAYS OF A NEGATIVE BALANCE. That account was overdrawn only 17 DAYS, and does not fall within the time frame for collection activities. 

Also, Ive had transactions coming in on my account before, and didnt have enough money, and the other account had money but PNC have never taken money from that account to pay anything for me, they returned my transactions and charged me fees, so how is it now, that they can take money from my account to that account, when they have never done that when my account couldnt pay transactions??? 

Also, IN THE SPACE OF 17 DAYS, THEY HAVE CHARGED FEES ON THAT SAME ACCOUNT IN THE AMOUNT OF {$240.00}!!!! 

SEVENTEEN DAYS!!! {$240.00}!! Which includes {$7.00} PER DAY EVERYDAY! 

The fees that PNC Bank charges, needs to be investigated! Its robbery!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17 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:
SENT THE FCRA VIOLATION XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX BREACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have called Transunion on multiple occasions regarding these inquires appearing on my Credit Report from dates back in 2018 they were not there about 2 months ago now they have been inserted, I did not authorize or didn't get any type of notification on where or why they are on my report. I've tried calling the company 's along with Transunion and the representative refuses to assist with this issue. 

Hard Inquiry on XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 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 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was charged over {$30.00} in fees by BBVA to use the ATM during the months of XX/XX/XXXX-XX/XX/XXXX. I called BBVA at the beginning of XX/XX/XXXX and they did credit my account the ATM fees. Then I kept being charged 18 fees for the month of XX/XX/XXXX, I called them and was told numerous times that a supervisor would correct the issue and return my call. I also sent multiple messages through online banking and have still not been able to resolve this issue. Because I have a clear connect checking account I should not have been charged fees for the ATM since they were in network.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I have a collection listed on my credit report that has never been validated. I dispute it and get no resolution. I am unsure if it was opened fraudulently or what because no contact has ever been made in regards to this. I am the spouse of a military Veteran that is completely XXXX and any valid accounts that were opened in my name, would reflect an interest rate capped by the SCRA due to my spouse being XXXX XXXX and deploying. I am unable to verify the account info, to see what this is and if the military lending act/SCRA was applied if it is indeed a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was hacked on XX/XX/2019. As soon as I caught on what was happening, I shut everything down and contacted all credit cards involved. I filed an IC3 ( FBI ) report by the suggestion of my local law enforcement because they no longer handle internet crimes. Since then I have been fighting with Synchrony/Walmart Bank ever since. They are refusing to take this crime seriously because of how it happened. The hackers were holding my computer hostage until I complied with their demands. They had locked me out of my computer, I was threatened and coerced continually. The hackers sent me an email with a copy of a ( fake ) check stating they were going to pay me back for the purchases. The hackers were identifying themselves as XXXX Tech Support. They had my computer license number and were able to get into my computer where they started charging on some of my cards. So because I was threatened and coerced to go buy these game cards to get my computer back, Synchrony/Walmart is refusing to say this was fraud. I tried disputing the charges and I would get the same answer. They are flat out refusing to take this crime seriously! My Amazon account was hacked also but after months and months, they finally settled the issue because they finally understood the purchases were fraudulent. My Amazon account is also with Synchrony. I have given them everything regarding this issue and they still refuse to settle this. In the meantime I'm being charged late fees and interest. This has impacted my credit score in a negative way. I have all the documents that were sent to them numerous times. I am a XXXX person and I live on a fixed income. I still pay my bills and pay them on time but I don't feel I should have to pay for what the hackers did to me! I did everything I was suppose to do but Synchrony/Walmart is not!

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 2019-09-17 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$1900.00} on XXXX , XXXX from original creditor XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) We moved into Unit XXXX and shortly thereafter we saw that the apartment was being invaded by cockroaches and we also saw mouse or rat droppings scattered around the apartment. We immediately contacted the building manager to let them know what we were experiencing however, no action was taken. We also let the building manager know about an extremely noisy vent unit in the bathroom and the decaying ceiling in the bathroom. Several weeks had passed and no action was taken to fix any these issues. My son was having health issues due to the increasing deterioration of the Unit. I have attached several photographs to verify the location and Unit number of the apartment in question. Picture 1 shows XXXX XXXX sign and address ; picture 2 shows the deterioration of the bathroom ceiling and ceiling vent ; picture 3 shows the front door of Unit XXXX. Clearly you can see that the front door does not close properly because it is cracked and bent. Picture 4 shows the extremely poor condition of the exterior of Building XXXX ; Unit numbers XXXX. Picture 5 shows a larger view of the front of Building XXXX ; Unit numbers XXXX. Picture 6 shows the bathroom floor ; the cracked walls ; the gaping hole in the floor ; rotting drywall ; baseboards coming apart from the walls. This is where the cockroaches and other rodents may have been entering the apartment as well. After numerous attempts to get the building manager to fix the living conditions of both the interior and exterior of the apartment, we had no other choice but to vacate the premises. I have attached a copy of the letter from the City of XXXX dated XX/XX/2017 verifying we did report these issues and that the apartment manager had been informed of these issues, but that they did not fix the problems. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
My husband XXXX and became XXXX, making me unable to make payments. I asked for XXXX protection as well as asked about the XXXX XXXX XXXX. I inquired about the XXXX credit protection in place, as part of a payment. The company refused to look into any provisions in place for a military members family. This debt collection company has now bought the debt and has not validated it nor looked into these protections on the original account. They continue to report a negative balance of {$490.00}, despite me disputing and the ability to provide documentation. This is a shame to military members who become XXXX serving their country and debt buyers as such are the bottom of the barrel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Multiple loans with Navient reported as delinquent when paperwork was filed explaining job loss. Loans should have been in forbearance during XX/XX/2018 through XX/XX/2018 as I had submitted paperwork to Navient explaining I was receiving unemployment and could not afford to pay my loans during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$1900.00} on XXXX , XXXX from original creditor XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) We moved into Unit XXXX and shortly thereafter we saw that the apartment was being invaded by cockroaches and we also saw mouse or rat droppings scattered around the apartment. We immediately contacted the building manager to let them know what we were experiencing however, no action was taken. We also let the building manager know about an extremely noisy vent unit in the bathroom and the decaying ceiling in the bathroom. Several weeks had passed and no action was taken to fix any these issues. My son was having health issues due to the increasing deterioration of the Unit. I have attached several photographs to verify the location and Unit number of the apartment in question. Picture 1 shows XXXX XXXX sign and address ; picture 2 shows the deterioration of the bathroom ceiling and ceiling vent ; picture 3 shows the front door of Unit XXXX. Clearly you can see that the front door does not close properly because it is cracked and bent. Picture 4 shows the extremely poor condition of the exterior of Building XXXX ; Unit numbers XXXX. Picture 5 shows a larger view of the front of Building XXXX ; Unit numbers XXXX. Picture 6 shows the bathroom floor ; the cracked walls ; the gaping hole in the floor ; rotting drywall ; baseboards coming apart from the walls. This is where the cockroaches and other rodents may have been entering the apartment as well. After numerous attempts to get the building manager to fix the living conditions of both the interior and exterior of the apartment, we had no other choice but to vacate the premises. I have attached a copy of the letter from the City of XXXX dated XX/XX/2017 verifying we did report these issues and that the apartment manager had been informed of these issues, but that they did not fix the problems. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-17 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: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$1900.00} on XXXX , XXXX from original creditor XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) We moved into Unit XXXX and shortly thereafter we saw that the apartment was being invaded by cockroaches and we also saw mouse or rat droppings scattered around the apartment. We immediately contacted the building manager to let them know what we were experiencing however, no action was taken. We also let the building manager know about an extremely noisy vent unit in the bathroom and the decaying ceiling in the bathroom. Several weeks had passed and no action was taken to fix any these issues. My son was having health issues due to the increasing deterioration of the Unit. I have attached several photographs to verify the location and Unit number of the apartment in question. Picture 1 shows XXXX XXXX sign and address ; picture 2 shows the deterioration of the bathroom ceiling and ceiling vent ; picture 3 shows the front door of Unit XXXX. Clearly you can see that the front door does not close properly because it is cracked and bent. Picture 4 shows the extremely poor condition of the exterior of Building XXXX ; Unit numbers XXXX. Picture 5 shows a larger view of the front of Building XXXX ; Unit numbers XXXX. Picture 6 shows the bathroom floor ; the cracked walls ; the gaping hole in the floor ; rotting drywall ; baseboards coming apart from the walls. This is where the cockroaches and other rodents may have been entering the apartment as well. After numerous attempts to get the building manager to fix the living conditions of both the interior and exterior of the apartment, we had no other choice but to vacate the premises. I have attached a copy of the letter from the City of XXXX dated XX/XX/2017 verifying we did report these issues and that the apartment manager had been informed of these issues, but that they did not fix the problems. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
I took a car loan from Gm Financial to finance XXXX XXXX XXXX. The monthly payment for the car note is {$430.00}. Everything was going well until I sustained injury from my work on XX/XX/XXXX. 

I notified GM Financial that I am not going to be able to pay the car note as usual due to my injury. As a result of this injury, I experienced a financial hardship. On some occasion, I opted out to pay interest only on the car loan. 

In XXXX XXXX, one of the car payment was returned by my bank. When I asked the bank why my check was dishonored, the bank explained what had happened, but, instructed me to resubmit another check in the same amount. That payment cleared the bank on XX/XX/XXXX. 

Subsequently, on XX/XX/XXXX, at around XXXX a.m.- XXXX a.m XXXX the car disappeared from my driveway. Early in the morning at around XXXX a.m, I called GM Financial to report of the missing car. The Customer Service Representative - named : XXXX ( XXXX ) informed that they are the one who repossessed the car because of non payment. XXXX told that in order to get the car back, I must pay XXXX, XXXX and XXXX XXXX, which is = {$1300.00}. As a result, on XXXX XXXX, I decided to pay all the money owed through XX/XX/XXXX = {$1700.00} including the XXXX XXXX transfer fees. 

On XX/XX/XXXX, I called GM Financial and spoke with XXXX XXXX XXXX XXXX, and pleaded with her to release my car. She said, that was not possible unless I pay a repossession fees of {$590.00}. In addition to that, she also demanded {$250.00} fees because the car is at the auction lot. 

All these happened amid harassing telephone calls and verbal insult on me. My response to XXXX was that she need to reconsider my financial situation and release the car to me so that I can have a means to go to work. She was adamant, and told me that they car is already on auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America has been sending me harassing emails with regard to a debt that has been charged off furthermore this account is still reporting on the credit bureaus. This has start XX/XX/19, and has continued every week since. Furthermore, under the fair debt collection 805 section c this a violation of my rights.

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 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Multiple loans with XXXX reported as delinquent when paperwork was filed explaining job loss. Loans should have been in forbearance during XX/XX/2018 through XX/XX/2018 as I had submitted paperwork to XXXX explaining I was receiving unemployment and could not afford to pay my loans during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: SC

Complaint narrative:
I filled a dispute with Experian and the collection agency requesting the validity of a debt and full investigation XX/XX/2019 and XX/XX/2019. These are only two of many disputes over the years in regards to the incorrect information being reported in regardsto this account. Like all the former disputes, both disputed lead to the collection agency sending a bill with just an amount due and no charges explaining validity, and in return Experian leaves incorrect, non validated information on my credit report.I paid XXXX and transfered the account to another person years ago.

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