vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Dear : Consumer Financial Protection Bureau. 
I receive a collection letter from Transworld Systems Inc. for XXXX XXXX this is a phantom bill, malice and retaliation from XXXX because they couldnt get the fraud money that they demand, and its a wrongful collection. I paid my bill in timely manner and paid as agreed. XXXX using consumer credit report and collection agency to hold me as hostage for extortion and ransom for their greed and profits.

There are two items that XXXX present to XXXX for their defending that I dont have or know anything about it. The statement XXXX send to XXXX is what XXXX created after I filed a complaint against them for fraud for profits. 
1- I did not have any record of statement or debit amount withdraw or credit in the amount of {$79.00} from XX/XX/XXXX to XX/XX/XXXX. There is no record within my XXXX checking account or credit card account for the payment of {$79.00}. In addition to, in XXXX/XX/XX/XXXX XXXX claimed to give me a credit for {$140.00} is false, because, that same amount was adding back onto the following bill. XXXX can create any billing statement to send to XXXX and your office, I can only present to you what I got from them and my bank. 
2- The amount of {$140.00} check # XXXX was paid and clear and was never return or cancel, and XXXX letter confirm its date XX/XX/XXXX, and prior to that too. In addition to, I send to Ms. XXXX my XXXX bank statement as she requested more than one, still no billing correction or justify the amount above, is was paid and paid. ( Attach copies document and letters ). 
You could check with my XXXXXXXX XXXX and XXXX XXXX for my paying bill habit, for almost a decade I have no late charge or insufficient fund in all my accounts. I paid my bill in timely manner and paid as agreed, and I dont want to be a victim of this type of fraud and retaliation from XXXX because of greed. 
This collection isnt necessary, I has requested many times for the correct billing statement of {$240.00} minus {$140.00} but all I get was ignored, denied, and silence. I have no problem paying my bill when XXXX sent me the correct billing statement I will send them the remain payment. No collection needed. Thank you for your understanding. 
Sincerely, XXXX XXXX PS : Attach are copy/paste from my XXXX account paid in full, and more in hard copy. 
XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XX/XX/XXXX {$160.00} XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XX/XX/XXXX??? {$280.00} XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX {$150.00} XX/XX/XXXX Check CHECK # XXXX ( view ) {$140.00} XX/XX/XXXX XX/XX/XXXX Sale XXXX XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : XXXX XXXX XXXX   SYNCB XXXXXXXX XXXX ( 3 times repeated ) XXXX ( 2 times repeated )

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 2018-09-10 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : XXXX BRCLY BANKED XXXX XXXX XXXX  ( 3 times repeated ) XXXX ( 2 times repeated )

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 2018-09-10 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:
On XX/XX/XXXX, three unauthorized credits of {$390.00} were made to my paypal account totaling $ {$1100.00}. The same day, thirteen {$49.00} and fourteen {$40.00} payments were debited from my Paypal account totaling {$1100.00}. Next, on the same day (XX/XX/XXXX ), three more unauthorized debits of {$390.00} were made on my account leaving me with a balance of {$1100.00}. I did not authorize any of these transactions and further, the bank associated with the transactions is called XXXX XXXX ( XXXX XXXX XXXX ). I've never had an account at this bank. I believe my account has been compromised, and when I call the phone number posted on their website, there are 1.5 to 2 hour hold times. I've also alerted Paypal through their website to my problem and nothing is happening. No contact, no callback or email - nothing. Just a continued balance on my account for {$1100.00}. I'd like to cancel my account, however this is not permitted, because they indicate on my account page their may be suspicious transactions ...?? They indicate I can clear up the suspicion by providing bank statements etc, but I do not want to provide that because I no longer trust they can protect my information. Hoping reporting this to the CFPB will assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/2018 I made a payment at PNC in their ON LINE banking system. The payment was not applied as it should have been. I have made the same payments in the past in the same matter without a problem. The funds for the payment were taken out of my checking account on XX/XX/XXXX. I am familiar with the ACH process and know that a batch file with my recorded payment was submitted by PNC, received by my financial institution ( checking account ) and settled/withdrawn on XX/XX/XXXX. I have made three calls to PNC. Their representatives have admitted their problem but will not apply the payment until they find out what is causing the issue internally. All the while they have been checking into this problem my payment has not been unapplied and the loan is accruing interest. 

I asked if PNC can apply a provisional credit of my loan payment while they investigate the issue. I was told no. Keep in mind my account with PNC is in good standing and I have never been late. Image if this payment would have caused an issue on my Credit Report. It would illustrate as a delinquent loan and cause my score to go down due to no fault of mine. 

Very concerned if they continue with this practice and as a result customer 's Credit Score is decreased when it is PNC 's fault. They must change this practice. If I were to apply for Credit and I could not get a great rate because of a error by PNC. This can cause financial harm. 

Your help in this matter is very much appreciated. 

Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: NJ

Complaint narrative:
Im extremely mad with Equifax because they are not following the law, I have four accounts ( that are reporting to the other two credit bureaus ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX ) and a other ( XXXX XXXX XXXX  ), Are these for accounts are reporting tool or three credit Bureaus as per each creditor.XXXX XXXX, XXXX are reporting these accounts but Equifax fails to report these accounts. I called Equifax multiple times letting them know about the issue also letting them know that they arent reporting anything since XX/XX/2018 they are noncompliant to the law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
I check my report often to make sure my information is reporting accurately. Last year I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I received a notification from my credit monitoring service that an account has been listed on my credit reports. It is reporting under the company Professional Placement Services as a collection for {$50.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. This a violation of my rights and I want this account removed from my credit reports immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: DISCOVER BANK
State: DC

Complaint narrative:
Please assist with misreporting by Discover Financial Services on my credit card account and misreporting on my credit bureau reports. Case involves ID theft after data breach by XXXX XXXX XXXX XXXX XXXX/contractor XXXX/XXXX, XXXX XXXX, MD. XXXX/XXXX admitted liability for misuse of my data and provided ID theft protection until summer XXXX. In XX/XX/XXXX XXXX XXXX XXXX, according to XXXX attorneys at XXXX : XXXX called stating they were representing me in administrative hearing related to XXXX XXXX data breach. I allowed XXXX to charge {$4500.00} to my Discover. By XXXX XXXX, I suspected XXXX/XXXX frauds, confirmed by XXXX in XX/XX/XXXX enclosed email, and wrote Discover to investigate the billing. See XXXX XXXX, XXXX letter enclosed. 

I was XXXX from government injuries and asked Discover for XXXX assistance. I called them and wrote multiple times using XX/XX/XXXX letter as I lacked access to computer, I was XXXX due to government service injuries and addicted to opioids which caused XXXX XXXX  and XXXX XXXX. See enclosed XXXX XXXX physician script for XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX letter on XXXX XXXX. During this time XXXX threatened me in multiple calls for money, including firms enclosed XX/XX/XXXX letter. I returned to Washington DC for medical care in XX/XX/XXXX. 

XXXX returned {$4500.00} to Discover in XX/XX/XXXX. Discover illegally assessed me penalties on the fraud charge of {$4500.00} amount to nearly {$1700.00}. Under federal consumer law, Discover is required to provide XXXX assistance to members and it may not assess penalties on fraud charges. I was without computer and sent the enclosed XX/XX/XXXX letter to Discovers mail unit. Discover must comply with federal XXXX and consumer laws. 

I seek protection from Discovers adverse credit reporting of penalties assessed me for fraud charges. I demand Discover prevent  Brown/Goodkin from continuing to use DFS to commit fraud. Please accommodate my federal service XXXX and help me obtain relief from Discover misreporting and from continued theft by XXXX. Please contact me if I can provide additional information. Thank you for your kind assistance. XXXX Bless America! 

Sincerely, XXXX XXXX XXXX Member Sons of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Government, Credit Card Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Towards the end of XX/XX/XXXX, my contract and leases with XXXX for cellular phone service ended. I chose to end that relationship and change providers. A major reason for that change is that I constantly had a difficult time with XXXX customer service. Credits were supposed to be applied and changes made, but nothing appears to have happened. 

I changed providers on XX/XX/XXXX. On that date, I specifically confirmed with XXXX that the leases on the devices were complete. I then received a bill from XXXX for well over {$1000.00}. I again called and was basically told that, upon XXXX 's receipt of the devices, the bill would be reduced dramatically. I returned 4 of the 5 devices to a XXXX store on XX/XX/XXXX. I returned the other via XXXX on XX/XX/XXXX. 

I do not recall the first phone call, but thereafter I received phone calls from a collection agency saying that I owed XXXX ~ {$1800.00}. On several occasions I explained why that figure is incorrect, but the phone calls continued with no changes. Eventually I explained that any further communications had to be in writing. I received no phone calls for several months. 

Last week, I noticed that the collection company for XXXX reported this purported debt to each of the 3 credit reporting agencies. I initiated a dispute with each of the agencies. Today, the XXXX   dispute investigation was completed, but they did nothing because the collection agency stated the debt was " verified as accurate. '' The investigation results provided the following information for the collection agency : Source Receivables Manag XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX On XX/XX/XXXX, I called the number provided and spoke with a representative. I called at XXXX XXXX EST, and the representative terminated the call at XXXX XXXX  EST. I tried to explain the ongoing issues, and why the debt is invalid. The representative was combative and uncooperative. I explained that my prior phone calls from XXXX will show why the debt is invalid. Her response was that it is not her responsibility to dispute the debt. I explained that I do not have access to the XXXX database. I then tried to have the representative explain the basis for the debt. She said that the debt was because I terminated the leases early. This is something I had never heard before. I explained that, regardless, I had not terminated the leases early, and asked her to further explain the purported amounts owed. She refused. She said that I was cutting her off and the conversation was going nowhere. She then terminated the call. 

They have refused to address this issue, and I have no other way to have them acknowledge that this debt it invalid.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AmeriCollect
State: GA

Complaint narrative:
americollect : opened on the XXXX of XX/XX/XXXX, in the amount of XXXX dollars profit service group : opened on the XXXX of XX/XX/XXXX, in the amount of XXXX dolllars Ive never opened, or even used a credit card before in my life. Ive been working extremely hard to build my credit, while others tear it down. I need help getting this off of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: KY

Complaint narrative:
American Education Services refuses to allow me to automatically pay my bill online due to three failed ACH drafts from where i switched bank accounts and did not have the funds. There is no one they will allow me to talk to in the Financial Management Department & they refuse to send me to someone in that department or email them on my behalf. I just want to be able to pay my bill online and automatically. What other Loan Services refuses to take payments FOREVER automatically becuase a  client had a issue with ACH payments once YEARS ago?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 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: TN

Complaint narrative:
Equifax, refuses to correct incorrect information on my credit report. My confirmation number has been compromised, and my Equifax Pin Number has been compromised, and I would like an Immediate Investigation, why that, " XXXX XXXX Military '' has not been removed off my Equifax Credit Report.!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Im extremely mad with XXXX because they are not following the law, I have four accounts ( that are reporting to the other two credit bureaus ( XXXX XXXX  ), ( USAA Saving Bank ), ( XXXX XXXX ) and a other ( USAA Saving Bank ), Are these for accounts are reporting tool or three credit Bureaus as per each creditor.XXXX XXXX, XXXX  are reporting these accounts but XXXX fails to report these accounts. I called XXXX multiple times letting them know about the issue also letting them know that they arent reporting anything since XX/XX/2018 they are  noncompliant to the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NH

Complaint narrative:
I got a loan for {$5000.00}. The interest is {$7000.00}, making the amount I'm paying back {$12000.00}. I thought there was a law against charging exuberant interest. 
I needed the money at the time & didn't notice the amount of interest. 
I just think someone should look into One Main Financial & have them review their interest. It's ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On XX/XX/18 I was charged an Overdraft fee of {$35.00} because I did not have the funds in my account to cover a check. That is fine, that was my error. 

On XX/XX/18 I deposited {$120.00} & {$100.00}. One check covered my overdraft from XXXX and the other was additional funds for my account. An auto-deduction of {$64.00} hit my account on this same day ( XX/XX/18 ) and my bank charged me another {$35.00} OD fee which should not be charged since the funds I deposited hit my account the same day. 

This seems to be a constant problem with Citizens Bank. This is my 3rd complaint against Citizens Bank for doing this exact same thing. I could see if my deposit had not cleared my account but it had cleared my account the same day and was available for withdraw. 

I have written to Citizens Bank about this and get the same response, nothing. I refuse to call them again and get into a discussion with them over this because they will justify it by saying the withdraw hit before the deposit. This is not true if they both hit the account on the same day. 

Would you please contact them and have the {$35.00} returned to my account. Thank you! 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: NJ

Complaint narrative:
There are two bankruptcy accounts on my Equifax credit report that need to be deleted. There were expunged by the court and filled in error. Reference numbers XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I request that equifax remove out dated personal information name address jobs spouse phone numbers .I sent letters to them twice to remove these items they only removed 2 address only please remove all that is the letters I sent you { because it is alot of personal information I did not post here

Company response to consumer: Closed with explanation