vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
The company filed a lawsuit against me. I contacted the company to work out a way to pay the debt. We worked out a repayment schedule. After we agreed to a monthly payment schedule they went to my bank account and took all the money out. Left me completely broke without money for food or anything. I contacted the company and asked what happened to our repayment agreement and they said we have our money now Good bye.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 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 and Transunion are reporting incorrectly that I am 90 - 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10, 11, 12, and 13 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I had internet service with XXXX and was never notify account was sold to XXXX XXXX. My credit card was originally charged the same amount ( has a different name, and I thought XXXX simply changed name ). The monthly fee started to slowly increased without any notification and I called and cancel service only to be told to contact XXXX. I called XXXX to cancel service and they confirm cancellation.. but said they have to charge me for an extra month even after my service is canceled and switched to another cable company. XXXX  sent my extra month bill to a collection agency and per " Fair Debt Collection Practices Act '' I wrote to the agency twice ( on XX/XX/19 and XX/XX/19 ) and cc XXXX to show proof of my debt. They continue to ignore my request and keep harassing me with debt collection.

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 2019-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX, my Venmo account was hacked by a XXXX XXXX. A total of XXXX dollars via Venmo was sent using my XXXX XXXX Credit Card. I reported it stolen and was found not responsible and that it was fraud. I was credited back the amount of {$2000.00}. I then tried to use my Venmo account again and it was frozen. Venmo wants me to settle with them and pay them back the {$2000.00}. I keep telling them it was fraud and they said no it wasn't and will not work with me at all. I have filed a police report with the XXXX XXXX, MN police department. XXXX # XXXX. XXXX XXXX XXXX on XXXX. They will not further investigate the fraud payment due to them not having anymore info on this XXXX XXXX from XXXX, FL. Venmo will not make my account active again and at a XXXX balance until I PAY them back which should not be my responsibility at all!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17 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: NJ

Complaint narrative:
Letters Sent : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 Amounts Include : {$15000.00} Actions That Were Taken : I have contacted Equifax on several ( 4 letters ) attempts using certified mailing to ensure they have received my letters. The topic involved disputing the information that they have listed on my credit report without properly verifying the accounted information. I asked them to provide documentation, and if not properly verified, they needed to remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: OH

Complaint narrative:
There was an on-line offer to open a new checking with specific requirements to receive a {$200.00} bonus. I met all those requirements listed in the offer and now the bank refuses to pay me the {$200.00} bonus.

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 2019-05-17 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: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
SYNCB/MILLSFLEETFARM is reporting incorrectly to XXXX ; XXXX  and XXXX a charge off of a credit card account number XXXX. This credit card was used fraudulently to purchase goods. ( Please see page 11 of the attached credit report. ) I have also attached copies of the XXXX Police Department report dated XX/XX/2019 along with my signed Affidavit of Fraud. This debt is not mine and this incorrect reporting is harming my credit score. I have contacted the three bureaus to remove this item from my credit report, 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 non-monetary relief
Consumer complaint received 2019-05-17 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: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/2019 I requested validation and verification of a bankruptcy with Lexis Nexis that has been reporting to the credit bureaus. After 30 days I received a response from XXXX stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if Lexis Nexis verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how XXXX or Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XX/XX/2019 I am trying to call customer service of Navient to start repayment of my student loans.

Every time I call I am put on hold for over 20 minutes with no response other than terrible 80 's music blaring in my ear and an automated voice message telling me how great Navient is.

It would be nice if I could actually get a real person to talk to instead of a machine for over 20 minutes. This is terrible customer service. Answer your phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
As of Friday, XX/XX/2019, Suntrust bank took overdraft fees from my account on five transactions in which I have money in the bank. Two transactions are still pending that was done on the same date ( Wednesday, XX/XX/2019 ) that the five transactions that the overdraft fees were taken from and were not charged the {$38.00}. One transaction from XXXX was withdrawn on Thursday, XX/XX/2019, however, it is still pending and not cleared as of Friday, XX/XX/2019. I also received a deposit of {$240.00} on Friday, XX/XX/2019.

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 2019-05-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX In the amount of XXXX is not my account and needs to be removed the credit bureau is not protecting my report from fraudulent accounts. 
Is Being put on my credit report and this is not my account. I requested for this item to be removed by the credit bureau and they have not done so I contacted the company the credit agency And asked for signed contracts or dL or anything that shows this is a true account of mine. The collection agency sent an unsigned contact that was made up and bogus to try to get money from me. This is not my account and the credit bureau has not removed off my report. I am sending over the bogus fake fraudulent contact that the collection agency sent me. This again is no account of mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Due to hardship I had a Capital One credit card debt go to collection. The account was referred to Client Services for collection. I contacted Client Services and spoke with XXXX XXXX. He agreed to accept {$770.00} to settle the account ( see attached letter ). I sent the {$770.00} as agreed and they sent a letter that says the account was settled in full but that I owe {$510.00}. Then Capital One reported the account to the credit bureau as past due in that amount with no reference that the account has been settled and I no longer owe them ( see attached ). This is fraudulent collection practice and I need a letter that states the account has been settled and I no longer owe them and my credit report updated to reflect the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Since the inception of the loan my payment has been XXXX. I have made a payment of XXXX and was barely informed it is supposed to be XXXX and I have been getting charged a XXXX fee for paying it late?? I have never been made aware I was late and getting charged for it. Since the first payment was made in XXXX I have been paying more than I should have-XXXX. I have made 49 payments on a 72 payment loan. I would have loved to have been informed I was making extra payments to a late loan. I have attached an earlier statement from as late as XXXX that reflect no late charges. And then all of a sudden my payments are the same and there is a XXXX late charge on it. I attached a late statement reflecting that.

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 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: COAST PROFESSIONAL, INC.
State: IN

Complaint narrative:
In XX/XX/2018, I entered into an agreement with Collection Company : Coast Professional ,  Inc. ( on behalf of US Dept of Education ) XXXX XXXX  XXXX, XXXX XXXX, LA XXXX XXXX, made with XXXX Agreement to pay : {$880.00} on XXXX {$880.00} on XXXX and {$880.00} on XXXX This would be settled in full per our documented agreement. 

Per my XXXX XXXX XXXX account ALL payments came out of my account to US Dept of EDU DBE GRP XXXX XXXX XXXX DC on these dates : XXXX XXXX XXXX The problem is : Still, my credit reports report as unpaid with a balance of XXXX and reported monthly as in collecitons. 

I have disputed 3 times, attaching the Agreement, bank statement proving I paid and still they refuse to remove from my credit reports. 
Please help, I can not buy a house because of them not holding up their side of the Agreement.

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 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX a check was deposited into my account for the amount of XXXX dollars. I called the bank to inform them of the fraudulent activity. I also informed them that my debit card was recently stolen. The bank explained that the check was deposited in another state via atm. They also stated they have surveillance with the image of the individual who committed the crime. I informed the bank that in 8 years Ive never deposited a check via atm not do I have any ties to anyone in Texas which is the state the crime was committed. Despite frequent calls and clear evidence that the check is fraudulent the bank has decided to hold me accountable for the fraudulent check. That is extremely alarming considering the evidence they have in direct opposition of their decision. Please beware of USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: IL

Complaint narrative:
On XX/XX/2019 I requested validation and verification of a bankruptcy with XXXX XXXX that has been reporting to the credit bureaus. After 30 days I received a response from Equifax stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. XXXX XXXX violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if XXXX XXXX verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including XXXX XXXX. I do not know how XXXX XXXX received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I recently went out to Capital One and paid my balance in full on XX/XX/XXXX bringing my account balance to XXXX dollars according to their website. I then get a new bill from them for {$52.00}. 
This was for Interest charges for purchases, and the last purchase I had made was back on XX/XX/XXXX. 
I called the company to ask how I got an additional charge after utilizing their site to pay off the card and was told that the site does not have interest calculated till the end of the billing period. Thus, the additional {$52.00} was owed. As I was talking to the agent she gave me that amount as my final payoff amount, and then came back and said it would not be just over {$53.00} dollars. On what purchases I asked and after a period came back and said the {$52.00} was fine and I submitted the payment and closed the card. 
I believe there should be better handling of interest on charges, clearer actual payoff amounts online, and do this possible " shady '' practice I no longer wish to do business with them. 
This policy seems to benefit them as the cardholder as it keeps that interest charges unknown unless you call, or wait for another bill and get a SURPRISE. 
So primary take away is that unlike many other companies I have found that Capital One is not truly fair to those who pay off their bills utilizing their online site. It's possible that someone, such as myself, believes we finally at XXXX, to just have another bill come.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX In the amount of XXXX is not my account and needs to be removed the credit bureau is not protecting my report from fraudulent accounts. 
Is Being put on my credit report and this is not my account. I requested for this item to be removed by the credit bureau and they have not done so I contacted the company the credit agency And asked for signed contracts or dL or anything that shows this is a true account of mine. The collection agency sent an unsigned contact that was made up and bogus to try to get money from me. This is not my account and the credit bureau has not removed off my report. I am sending over the bogus fake fraudulent contact that the collection agency sent me. This again is no account of 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 2019-05-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX In the amount of XXXX is not my account and needs to be removed the credit bureau is not protecting my report from fraudulent accounts. 
Is Being put on my credit report and this is not my account. I requested for this item to be removed by the credit bureau and they have not done so I contacted the company the credit agency And asked for signed contracts or dL or anything that shows this is a true account of mine. The collection agency sent an unsigned contact that was made up and bogus to try to get money from me. This is not my account and the credit bureau has not removed off my report. I am sending over the bogus fake fraudulent contact that the collection agency sent me. This again is no account of 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 2019-05-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: TIDEWATER FINANCE COMPANY, INC.
State: WA

Complaint narrative:
I paid off the balance of this account, but an oversight caused an extra payment to be sent to the company. I called my bank to try to reverse the charges, but they were unable to do so. I called the company. I first called on XX/XX/19, the day they received the payment, but the representative that answered the phone was unable to find the account. I repeated the information slowly and clearly, but they could not understand the numbers. They finally were able to access my account, but then could not understand what I was asking. After the fourth unsuccessful attempt to explain my request, I asked to speak with a supervisor. The rep then put me on hold for 12 minutes at which point I was hung up on. Then, I attempted to use their web chat, which there was no response. I finally called again and spoke with a person who now says they will return the money, but not for 60 days. They should not be allowed to hold onto my money and earn interest on it for 60 days. That is an unreasonable amount of time to hold someone's money on an account in good standing.

Company response to consumer: Closed with explanation