vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I have contact them severals time in regards to providing me validation of this debt. The will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I had to put a security alert on my credit file because I was a victim of fraud while on XXXX. On Wednesday, XX/XX/XXXX, I applied for an XXXX credit card. However, they said that my phone number was not listed on my credit file and was instructed to call Experian to update my number. I called them on the same day above and the agent said he added my number ( XXXX ) to my file. I called XXXX to let them know that I updated the info but on verification one of the digits was incorrect. He said the first digit was incorrect. This means that the agent input the incorrect number. I called Experian the same time and they kept telling me that is updated even though XXXX told me that the information did not match. They advised me to send in a copy of my social security card with proof of my address ( my energy bill ). They told me to upload the information online but their online portal did not work. I was advised to mail it in which I did on Friday, XX/XX/XXXX. I called the following week and they said they had not received it. I kept on getting a run around from the agency about updating my information. For most services now I am being denied. I went to XXXX   XXXX XXXX to open an account and I had to head back home to get a physical copy of my SSN because of the phone number problem. Just day I went to XXXX to get service and the phone number is still an issue. I can not deal with Experian customer service because they have agents from XXXX who do not know English language and they are not inputting the correct information into consumers ' profiles. That is where my information got messed.

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 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: NY

Complaint narrative:
Overdraft protection plan issue. I am elderly, XXXX and XXXX. I receive direct deposit for my pension and social security monthly. Every month I am charged a significant amount of fees equal to {$38.00} each. I dont receive monthly statements and when I call by phone to try and reconcile my account I incur additional charges because I call multiple times to try and understand what is going on with my account. I dont have access to Internet nor a computer due to my limited income situation. Most recently my income tax refund was also direct deposited. My account is always in the red and when I call by phone I stop counting the {$38.00} charges after I reach 7 x {$38.00}. I feel I am being penalized because I cant see a statement and dont understand the overdraft protection plan on my checking account. I have been a checking account holder for several years dating back to XXXX XXXX XXXX and due to merger activity my account is now held by KeyBank. I need help. I cant afford these multiple {$38.00} charges each month and I cant afford to pay to dial a number to try and get my account details over the phone. I need monthly statements at no charge. Now KeyBank starts charging you after so many phone calls to their contact center.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have an Inquiry on my credit report from SYNCB/XXXX XXXX on XX/XX/2018 that I did not authorize nor received a credit card from. I contacted the company & they stated that a card was applied for using my social security number therefor they did not have remove the inquiry. I did NOT authorize nor receive any credit from this company. Please have them remove the inquiry from my 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 2019-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I opened an account with XXXX based Bank on line. It was a high yield savings account at PNC. The account was opened on the XX/XX/XXXX but it was not funded till XX/XX/XXXX. I initiated a web transfer from my Bank which is XXXX  XXXX XXXX on the XX/XX/XXXX. My bank completed the transfer on the XX/XX/XXXX. Noting on the PNC site showed any transfer made. Called several times to PNC. The answer was the same -its takes up to 5 business days to complete which is utter nonsense. On the XX/XX/XXXX I checked my account and the funds were there no explanation of where it came from. I called and talked with the XXXX at the call center who was rude and self - indulgent. She couldnt give a proper answer. She told me to talk to anyone at PNC. I then wrote a very detailed letter to XXXX XXXX XXXX who is the CEO of the Bank. I was extremely frustrated. I started digging to find a website called XXXX XXXX. The most complaints were for PNC mostly from people located in the the states where the bank has branches. I was shocked at the behavior of PNC. I indicated to XXXX XXXX that I was very unhappy with the way the bank is defrauding the people. I wanted to know what he was going to do about the matter. The next day I received a phone call from a woman called XXXX who was calling on XXXX XXXX behalf. She promised to call me after she investigated the matter and call me on Thursday. I was speaking to her on Tuesday morning the XX/XX/XXXX. I never got a phone call and late Friday morning she called and told me that there was nothing wrong and its the Banks policy to withold funds for up to five days. No one told me this the banks policy to do this. I told her that I would contact you and write a letter to XXXX XXXX XXXX and contact my congressman XXXX XXXX XXXX. This is breach of public trust and skimming of interest by the bank PNC. It my dearest desire to get this unscrupulous Bank in front of a congressional Banking Committee to be investigated.. 
I had called you on Wednesday the XX/XX/XXXX and left a message and someone was supposed to get in touch with me on Friday. I didnt receive the call so I decided to write. 
Please call me and let me know the details you required because until today the account at PNC doesnt show when they received the funds and the Bank that transferred it. Today is the XX/XX/XXXX.nine days after the funds were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
THIS HAS BEEN DISCHARGE ON MY BANKRUPTCY.

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 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
So approximately on XX/XX/XXXX or XX/XX/XXXXthe credit card company called XXXX  pulled a hard credit inquiry as well as asked for my bank account information ( account number and routing ) and still wanted my social to apply for a card which is really sketchy then out the the blue they deny my application without reasoning and had access to my financial accounts with my savings

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 2019-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have contact them several times in regards sending me information to validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: AZ

Complaint narrative:
Got a letter from XXXX XXXX saying I was denied a car loan from them because of a illegal credit reporting company called XXXX XXXX XXXX. This " credit reporting '' company is providing false data to banks and other financial companies. This company needs to be shut down and all consumer info needs to be wiped.

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 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an Inquiry on my credit report from XXXX XXXX on XX/XX/2018 that I did not authorize nor received a credit card from. I contacted the company & they stated that a card was applied for using my social security number therefor they did not have remove the inquiry. I did NOT authorize nor receive any credit from this company. Please have them remove the inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
XX/XX/XXXX, XXXX sold us tickets to a concert at XXXX in XXXX XXXX on XX/XX/XXXX. Tickets were represented on a seating map as being Box seats in the Front Orchestra.  When the tickets were delivered it was clear they were in the last row of the Rear Orchestra, or instead of being $ XXXX seats they were {$70.00} seats. There are about ten correspondence with the company that they would look into it and finally that they would reimburse {$170.00}, on a {$590.00} charge. 

We filed a complaint with the Citi Visa a few days after the charge and on XX/XX/XXXX realized that they had accepted XXXX explanation. No one from Citi Visa contacted me and the letter on line is a form  letter with no explanation that is appropriate to the dispute. XXXX maintained they delivered the cheap tickets. Citi Visa has a misleading accounting system on my account where they show the {$590.00} charge and a - {$590.00} dispute, but it isn't an accurate representation of the facts. 

I called Citi Visa today and they say they will investigate the matter and resolve it in 14 days, but since they didn't call me on the original complain I have little faith in their ability to be effective in a resolution. I also contact XXXX that provides the Citi Visa and they said there was nothing they would do.

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 2019-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have an Inquiry on my credit report from SYNCB/XXXX XXXX on XX/XX/2018 that I did not receive a credit card from. I contacted the company & they stated that a card was applied for using my social security number therefor they did not have remove the inquiry. I did NOT receive any credit from this company. Please have them remove the inquiry from my 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 2019-03-17 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: FL

Complaint narrative:
I have been making payments since XX/XX/2018 and they still are showing my loans in the deliquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was told to get a forbearance, I dont want a Forbearance I work with the XXXX XXXX and can only afford a small monthly payment, they wouldnt let me get a payment that I can afford and forced me to stay in forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On friday XX/XX/XXXX I received by mail first notice for plaintiffs motion for writ of garnishment and wages, money and other property belonging to me have been garnished. I have no idea what this is about the paperwork came from XXXX XXXX and they say its a debt from XX/XX/XXXX in the amount of {$1300.00} I have no idea where this 13year old debt came from and the originator but I would like to stop this garnishment from my ssi this is awful for a company to go out trying to make money illegally from consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Somewhat complex and hope that a representative will help me to describe my complaint. 
the guidance of ANY said XXXX, of any CREDIT CARD company, the named institution or other on how to correctly utilize, discharge use, full disclosure of said procedure to credit the legal entities account with the discharge or offset of public debt. CREDIT that is due to me the taxpayer upon a signature of my name, in its unlimited commercial capacity. 
As authorized representative of my legal entity, they are entitled to write and tender lawful notes. This has been a common practice for many years. The attempts by any XXXX of the company or any other credit card company, to dishonor any lawful notes, refuse to give process on how to do so, and not process such lawful notes for discharge or offset, will be a Dishonor in Commerce, Fraud, Conspiracy,  Racketeering, collusion, etc. I believe there is no proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was advised to contact you guys regarding some items on my credit that are not mine. I have contacted the ftc and the city police. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX. I'm trying to purchase a home and this is really keeping me from being able to live my life.

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 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
My insurance, XXXX XXXX XXXX, paid XXXX XXXX   {$720.00} in XXXX XXXX  2014.

I have sent the XXXX XXXX  several times to the collection agency, Bull City Financial Solutions, showing the XXXX payment to XXXX XXXX.

Bull City has not offered a reason that the debt is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
The servicer changed for my mortgage. Mr. Cooper company bought the Seterus inc. ( apparently ) At about XXXX Saturday XX/XX/19 evening I received an email from XXXX XXXX saying " there was a status change in the report that caused my rating to DROP 96 points! '' After review turns out that Seterus made a comment on XX/XX/19 that the account was closed. NO IT TRANSFERRED. My auto insurance is due and I was HOPING for a new rate on it but now I don't want to ask. REALLY almost 100 pts? I have been on time no late payments and this is what I get? Is it XXXX XXXX or Mr. Cooper? They can " rebrand " all they want..if it looks like a duck, walks like a duck.. you know. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
To Whom It May Concern : XX/XX/XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) on  XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, all sent by certified mail regarding two collection accounts being reported by XXXX XXXX XXXX XXXX. The two accounts are regarding a XXXX XXXX and a XXXX XXXX account. I have requested each of the three credit bureaus as well as XXXX XXXX XXXX XXXX to validate these debts by providing a contract that bears my signature or any documentation that they can provide to prove these were in fact my accounts. Letters were mailed directly to XXXX XXXX XXXX XXXX on XX/XX/XXXX also by certified mail. 
Unfortunately, the three credit reporting bureaus only respond by stating that the information has been updated, please review your report for the details and verified as accurate ; however, I am not observing any updates. In fact, the information is the same information as noted prior to any disputes being initially made. XXXX XXXX XXXX XXXX only responds by sending copies of a ( one ) credit card statement, dated back in XX/XX/XXXX.

In addition, I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of a letter dated approximately 3 years ago ) which states, This letter is to inform you that the above-referenced account was sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. If you have any questions about this account, please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX. 
I have attached a copy of the two certified letters that were mailed to Portfolio Recovery Associates regarding the XXXX XXXX and XXXX XXXX accounts as well as their responses. To say the least, this has been very frustrating as a credit card statement does not prove that I opened these accounts and it has had a huge adverse effect on my credit score. I  have exhausted all efforts in contacting the credit reporting agencies, XXXX XXXX XXXX XXXX as well as the original creditor. 
Please assist me in resolving this matter by obtaining documents that reflect that I opened this account, not a credit card statement as this only reflects charges and fees, etc. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On numerous occasions I have contacted Capital One and provided documentation regarding my account. The account was opened approximately 1 year ago and upon opening my job relocated myself out of the country which I thought would be permanent became only temporary and now here I am back in the XXXX and have spent many hours on the phone with Capital One trying to resolve the issues they had with issuing the card to myself. Capital One security department on many occasions kept referring back to the number I had prior to leaving for XXXX and demanded that was the only number theyd accept for verification with the account. Having lost the number when I left I no longer was able to receive such a text from them, so therefore finally they requested further documentation in which I provided and after providing the security department told myself that what they received wasnt acceptable and would be permanently restricting the account and closing it. A month and 1/2 proceeded and I saw that the account was not closed and contacted Capital One and was immediately sent to the fraud operations department which started out with the rep there lying to myself about 2 issues and only to go on further and I had enough at one point and ask for a supervisor and at that point i began to record the call and the rep stated there was non available and i could try back next week and speak with someone and could be assisted then. I at that time called from my other phone and got a guy on the phone from the same dept who stated that yes there is supervisors available. I took the call with him only for him to argue with myself about he wasnt able to close the card and then i asked for a supervisor and he told me at one point one wasnt available and then I demanded and he then stated yes one was available but id have to get a call back and I stated I'd hold for one and he then insisted one call back, I believe with no  intentions of having someone call. Finally he says hes getting one and places myself on hold for 25 min to then come back and say he can proceed with closing it. Capital One has kept the account on my credit file for an excessive amount of time and then refused to close it only to tell lies which I have recorded.

Company response to consumer: Closed with explanation