vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My law office has received repeated robocalls from Navient Solutions , LLC, The Caller ID is XXXX XXXX XXXX XXXX. 

When I called Navient at that number this morning, they were unable to locate a file associated with the number they are calling, XXXX XXXX XXXX XXXX, which is a XXXX XXXX XXXX number assigned to this office. Each call costs us more than a XXXX dollars. 

We received robocalls from Navient on Wednesday, XX/XX/2020 at XXXX XXXX and XXXX XXXX, and on Friday, XX/XX/2020 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Between XXXX XXXX XX/XX/2020, this has been a nightmare of not getting anywhere. I am very frustrated and feel like am being bullied and push in a corner by EXPERIAN, XXXX and XXXX, alleging that am a fool and could not be writing intelligently and i have no rights to communicate anybody as i must deal with them only. what a shame that me as consumer being bullied by the big companies. I feel like when i was in prep school.. i am asking you to help as i still have freedom as a consumer to legally communicate with who has my personal info and causing my unhappiness. 
Do they have a right to just ignored my request and pushed me in a corner and dictate how i should only communicate. Really?

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 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I'm trying to link my pnc account to my XXXX XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
On XX/XX/2020 I received information via my credit monitoring service that he credit limit on my Target RedCard was reduced from {$1300.00} to {$500.00}. Since I normally only use this card a few times a year and always pay the statement balance immediately upon receipt I was concerned and contacted RedCard 's customer service to find out why. I was told that my credit line was reduced due to inactivity for " several '' months, which is not a policy I was ever made aware of previously. Had I known or received any prior notice that this action was pending if the card was not used by a certain date I certainly would have made an immediate purchase with the card simply to protect my credit rating from the damage of a negative action. When I expressed this I was told that " any changes to a customer 's credit line are listed on the monthly billing statement '', which obviously is after-the-fact and does not give the customer an opportunity to take action to prevent the action. 

I have plenty of credit cards and can easily survive without my Target RedCard, but I feel that it is unacceptable for financial institution to take unwarranted actions like this that damage a person 's credit rating, and especially at a time when the XXXX pandemic has put our financial security in a particularly precarious position. At a very minimum they should be required to provide customers a prior notice to pending actions so that they have the opportunity to remedy the situation if they are able.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: GreenSky, LLC
State: OH

Complaint narrative:
Hello. I received a letter from Greensky dated XX/XX/20 regarding an overdue balance. I never opened an account with them. I never received money from them. Five and a half years after I allegedly opened this account, they say I owe {$15000.00}. 
This amount is on my credit report and should not be as it is not mine. 
Please help! 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/20 I received an email from PNC bank informing me my account was negative {$54.00}. I made 4 online transfers from my reserve account to bring the account balance positive on XX/XX/20. Then at XXXX on XX/XX/20 I receive an email saying my account was overdrawn on XX/XX/20. After reviewing my account pnc had reorganized my transactions causing me to overdraft. I brought the account current again on XX/XX/20 by transferring {$150.00} to my checking account from an outside account to bring it current. 

When I view my online account history my pnc account shows I have an ending balance of {$48.00} on XX/XX/20. When I called a rep at pnc on XX/XX/20 they informed me my ending balance was - $ XXXX on XX/XX/20. 

I believe PNC online banking is deceitful. It will show pending transactions, then drop them off from your account and online balance total for a few days before reposting them to your account again. I have been informed by a rep on a previous call that online bank balance is not a true representation of the actual account balance. This seems to be the case again and this is the second time it has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
Refinaced a morgage that was serveced though Round Point Morgage company, the funds were relised to Round point on XXXX. I have contacted Round Point 3 times to ask if the escrow check has beed mailed or dispursed to me. I have not been able to get a solid answer from them. One rep told me they had 20 business day to get the funds to me, two days later a different rep told me 20-30 business days.

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 2020-07-31 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: The Receivable Management Services LLC
State: TX

Complaint narrative:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

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 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: WA

Complaint narrative:
I asked for verification of a debt that appeared on my credit report. To validate the debt, I simply asked the collector to send me my signed medical documents, HIPAA release, and an itemized list showing what the debt was for. They did not send me any methods of validation, only the date of the alleged hospital visit. Per the FDCPA, this needs to be removed unless they can furnish the requested documentation within 30 days.

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I'm a recent victim of three online scams including identity theft and financial fraudulent charged and unwanted charges. I've been in touch with all three credit reporting agencies. I want to place verify that an initial and extended fraud alert is in place with all three agencies and that they have received my letters of updated phone number, address and other updates. I want them to remove and add and new security freeze to all three files and a security alert. this needs to be done asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: FL

Complaint narrative:
Equifax and XXXX should not be reporting a collection/chargeoff in the amount of {$8500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) I have attached proof of payment on this account. The lates that are reporting are also incorrect. This account needs to report a {$0.00} balance and no lates. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff with lates is seriously harming my credit score and this line item needs to updated and/or removed. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$8500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) I have attached proof of payment on this account. The lates that are reporting are also incorrect. This account needs to report a {$0.00} balance and no lates. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff with lates is seriously harming my credit score and  this line item needs to updated and/or removed. I have contacted the 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 2020-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I filed Chapter XXXX  Bankruptcy on XX/XX/XXXX, which included my mortgage with Pacific Union Financial , LLC. In XX/XX/XXXX, I was notified that my mortgage would be transferred to another servicer effective XX/XX/XXXX. 

Nationstar Mortgage LLC d/b/a Mr. Cooper began receiving my monthly payments starting in XX/XX/XXXX. Every month from XX/XX/XXXX to XX/XX/XXXX, I called to schedule a payment for the total monthly amount. I began getting monthly statements and when I question them, I was told that since Im in bankruptcy the statements are not accurate. 

On XX/XX/XXXX, I received a statement for XXXX payment which showed I owed {$4400.00}. The same day I called to schedule my XXXX payment for XX/XX/XXXX, and question the amount. I was told that I was audited and owe for XXXX, XXXX, and XXXX payments. I requested them to re-audit me because my bank statements clearly verify that they were paid every month. 

On XX/XX/XXXX, I contacted Nationstar Mortgage d/b/a Mr. Cooper to again check on the status of my account. I was told that the payment I made would be applied to XXXX mortgage, but I still owe for XXXX and XXXX. As she reviewed my account, she stated, my monthly payment is {$1400.00} and I have been short of a little under {$2.00} every month and she could provide my statement to my attorney to let them know I have not been making the correct payment every month. I suggested that she review the recorded lines of my phone conversation every month that clearly requested the exact monthly amount due be taken out. 

Nonetheless, lets assumed that because of their error on applying the exact amount, it would have not affected my mortgage, but the changes adjusted to my escrow account. The question becomes ; where is the overage from my escrow account? I am a XXXX  XXXX  XXXX veteran and exempt from the majority of property taxes. Prior to the transfer, Pacific Union Financial, applied my overage to claim arrears. 

I can only come to the conclusion that if applying this year 's overage to my claim arrears it would have eliminated all claim arrears due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Company has no proof that I owe them this debt. I have contacted them through mail stating that if they can not validate this account, they should not be reporting this to the credit bureaus because the information is invalidated. They have been compliant upon delivering proof to me in writing of the validation. It has been a full 30 days and still no response and still reporting this invalidated information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 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: AL

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( TJX Rewards Credit Card ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.

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