vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-20 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: FL

Complaint narrative:
Credit hurt by multiple credit inquires within two months. Only one authorized but XXXX XXXX via XXXX XXXX has 2 inquires weighing on my credit. I only authorized one. Banks are also forcing me to pay back money sooner by tarnishing credit with unauthorized hard inquires and other devious practices. XXXX XXXX and XXXX XXXX will loss my business because of this over-time. XXXX will not allow me to dispute my hard-inquires??? I have not requested any new credit and hard inquires are showing up. Not fair to consumers. Please tell me they are not going to let big business and Banks walk all over American People?

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 2017-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened the XXXX XXXX XXXX account in XX/XX/XXXX with the express purpose of taking advantage of the advertised XXXX months, XXXX %, balance transfer offer. They granted a credit limit of {$9000.00} and I waited for the card. The card did not arrive as promised. So I called back to say, can I have a card and use the balance transfer option, please? At that time they said they would not allow the balance transfer but would send new cards. I said ok, how long is the offer good for? They indicated you should still have time to use the balance transfer option once you receive your new cards.
This cycle repeated several times.
I finally received the card for this account on XX/XX/XXXX. I activated my account early XX/XX/XXXX.
I did the activation and noticed that the offer was n't there. I called customer service. The initial associate and a XXXX both indicated that the promotion was only good for so long and the account was opened in XXXX. They allowed me to have a XXXX % for purchases until the end of XX/XX/XXXX and no balance transfer options were available at this time. I did n't stay on the phone only to get the same answer from a third associate. I got no solution from them. I am not allowed to transfer the balance. I have an inquiry on my credit and wasted time. I do n't want the ability to purchase on credit anymore. I am working out of that phase. I think I was scammed. I could not have possibly taken advantage of the advertised offer. You need the card to do so and the entire period of the offer I was waiting for the card to arrive. I have paid off a lot of revolving and static debt. I had approximately $ XXXX in consumer non-mortgage debt at the beginning of XX/XX/XXXX and now I have approximately $ XXXX. My credit score has fluctuated between XXXX and XXXX, where I am now. I have no student loans, car notes, home improvement notes, etc. I work and live within my means. I, unfortunately, understand this strata of consumer debt peddler a bit too well. They remind me of XXXX XXXX from XXXX XXXX, a den of XXXX and villany. Seriously, why grant XXXX % until XXXX months down the line except they know you 'll hold a balance like a life sentence? I get there is a XXXX % fee to do something like this and generally understand how credit cards work, common terms and conditions, etc. I took the offer only because I thought it would further my goals of becoming debt free with the exception of the mortgage on my home. Avoid Citibank, XXXX, and anyone the rebrand into. I think this firm has lying to you and fleecing you as part of their business strategy and standard operating procedure.

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 2017-07-20 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 recently found out I was a victim of identity theft and contacted Equifax about two collection accounts that are appearing on my credit file. The two accounts are a result of identity theft and I have never opened nor had an account with either company. I contacted the companies to let them be aware but it seems like I was going in circles regarding this very serious matter. They are unwilling to assist me with evidence linking me to the accounts. I have exhausted myself contacting them so I contacted Equifax and asked for an investigation. As of XX/XX/XXXX the information still appears on my credit report. I have sent letters and faxes to equifax asking them to delete/remove the inaccurate information that is ruining my chances of getting loans and buying a house. Could you please remove them and contact Equifax. I would like them removed as soon as possible.
The two collections that are 100 % fraud as a result of identity theft are : XXXX XXXX Original Creditor : XXXX Balance : {$420.00} Opened : XX/XX/XXXX XXXX XXXX Original Creditor : XXXX Balance : {$150.00} Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am having trouble getting correct info on what i 've owed between my matriculation at XXXX vs. XXXX XXXX University. Interest rates/fees have seemingly sky rocketed what i owed and from which school

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I 'm trying to use this app that allows me to take out money and be deposited in my account. But it takes so long to update my transactions it takes like 2 days in order to receive it and get the money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX XXXX from XXXX XXXX for Bank of America-Letter dates XX/XX/XXXX and Complaint number No. XXXX, that he claims to state in his letter that the XXXX XXXX XXXX XXXX XXXX Promissory Note and Mortgage was transferred to Bank of America in XXXX of XXXX. XXXX XXXX was shut down from the FBI, and filed Bankruptcy at that time. I DEMAND TO SEE THE TRANSFER OF SERVICING RIGHTS FROM XXXX XXXX XXXX XXXX XXXX TO BANK OF AMERICA, AND THE APPROVAL FROM XXXX XXXX THE PLAN TRUSTEE THAT HE GAVE PERMISSION TO MERS AND BANK OF AMERICA WHEN THEY SUBMITTED THE ASSIGNMENT OF MORTGAGE UNDER 11 USC 362 and 363. I DEMAND TO SEE THE ORDER JUDGE XXXX PROVIDED IN THIS MORTGAGE ASSIGNMENT TO BE GRANTED PERMISSION ALSO-Under RESPA LAWS I was required to get a notice from the Bankruptcy Trustee and Judge XXXX over XXXX XXXX XXXX XXXX XXXX XXXX of The Transfer of Servicing Rights to Bank Of America.

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 2017-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
This is in regards to two checking accounts I have with PNC. One is a business account and the other is a personal acct. Because I have issues with getting paid by my employer in a timely matter there has been some problems with my checking accounts. However I have always paid the Overdraft fees whenever my accounts were charged. This time I have serious issues with the way PNC has handled my accounts and the late charges they keep racking up. On Sunday XXXX XXXX 2017 I tried to make a deposit with two of my paychecks thru the ATM at the XXXX street branch. I received a receipt back saying the card was not useable and to call the banking institution. I also received the original two checks back. I immediately went home and called PNC. I talked with a XXXX in customer service, who informed me that the checks went thru and she removed the hold on my account. She told me the funds would be available on Tuesday XX/XX/XXXX. I also asked her that any late charges will be paid with the deposits. She assured me yes but to call on Monday to see if I could get any of them waived. I also asked her how could the deposit be good when I still had the original checks. She assured me it was. The deposit did show on online banking until Tuesday XX/XX/XXXX. Then it totally disappeared. So I assumed she was incorrect in her conversation with me. Now they keep withdrawing out of my account and are charging me late charges. If the money is not there why would you let these transactions go thru? This is awful customer service and to have amounts disappear off the system what else can they pull?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The company sent me a letter in which I 've called the specialist XXXX XXXX and have left a few voicemails regarding these illegitimate charges. She has yet to call back or investigate this further. I also emailed her on XXXX XXXX 2017 and again did not get correspondence. She is very aware of these charges and will not remove them. Thus, Synchrony bank is knowingly and illegally collecting a debt and reporting it incorrectly to the credit bureaus which is also a violation of my rights as a consumer.

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 2017-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
On XXXX of XXXX, we bought a refrigerator in XXXX XXXX Department located in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; with a phone number Phone : ( XXXX ) XXXX. We leased the refrigerator with their 3rd party leasing company called : XXXX, XXXX located in XXXX XXXX XXXX, XXXX, NH XXXX with a toll free number XXXX, and an email of XXXXXXXXXXXX I do n't remember if we leased it for 12 months. There has been issues on the automatic payment because my husband 's debit card was compromised 2x with XXXX XXXX. I remember buying out the lease with them on XX/XX/XXXX. I believe i even asked them to send me a hard copy of the buy out. On XXXX of XX/XX/XXXXwe started receiving letter from the collection agency. I asked them to give me the details of the amount they are trying to collect because i know that we already bought out the lease. But they ca n't give us any information since according to them, WHY NOT LEASE IT just forwarded our account to them. They are collecting the whole amount of the Fridge when we first got it. I tried explaining to them that we made payments and that we bought out the lease. I called WHY NOT LEASE IT to ask for a hard copy of our payment but they said they do n't have our account info with them anymore since they forwarded it to the collecting agency. I called XXXX as well if they can provide copy of the receipt back in XXXX of XX/XX/XXXXbut they told me they ca n't. I must have misplaced or threw away my receipt so I have no basis on my lease with them. All I have is a copy of our bank statements showing the money taken out from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC bank changed the terms required to eliminate fees in their checking account. They did this with a one month notice and only notified with a small section in the monthly statement. I rarely use the account and do n't typically look at the statements as I monitor transactions on a more frequent basis on the website. Hence, I was unaware of the change. I was charged a monthly service fee since I was unaware of the change. Although I called to understand the change in terms and was refunded the fee, it 's still poor performance by PNC to change the terms in such a discrete manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Three years ago I started a consolidation with Navient. I was struggling financially at the time. Navient led me to believe that my loans were deferred and that interest was not accumulating. My {$14000.00} loan quickly became {$37000.00}. I did n't find out until 2 years later that I had a problem. When I asked Navient to explain I got a lot of legal mumbo speak that I did n't understand clearly. I have never clearly understood what happened. What I was led to believe was NOT what happened! It is a strain on my family. I have since re-consolidated with another company trying to take the student loans away from Navient. There seems to be a problem. It 's like Navient does n't want to let go of them. How can I move on and get this mess straightened out? My credit score has taken a HUGE hit. I ca n't rent or buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I initiated a 0 % APR balance transfer to my Citibank credit card. This included a 3 % fee on the balance transfer. As part of the promotion, I was told that I would not pay any interest on the balance transfer until XXXX 2018. What was not clear is that since I would be carrying a balance on my account, any additional charges ( ie, standard purchases ) would incur interest charges even if I paid the new standard charges in full. So for example, if I had a {$6000.00} balance transfer charge on my account and accrued additional charges of {$500.00} at a local retailer that month, despite the fact that I might make a payment of {$2000.00} when my next monthly payment is made, I 'm still charged interest despite the fact that my {$2000.00} paid for all the new standard charges and a big portion of my balance transfer. The fact that I would be charged interest on standard purchases ( despite paying them in full ) was not well explained in the marketing. When I called Citibank to complain this morning, I was told, " most people initiative a balance transfer and then do n't make any additional charges on that card so that they do n't get stuck in the cycle you are now in where you 'll need to pay interest every month until the account is paid in full. '' She was unable to do anything to help. Very deceptive.

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 2017-07-20 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: GA

Complaint narrative:
I reviewed my credit report and saw that I had a public record for a tax lien, unaware of this I contacted the state of Georgia, they advised me that this was done in error and sent me the paper to send to the credit agencies because they was n't able to remove it, the credit bureau had to ... I sent it to all 3 bureaus and was deleted from my report .... that was years ago! All of a sudden equifax has reported this again making it reappear on my report after they deleted. How can that be legal? How can they delete it knowing this is a error and years later report it again?! I disputed online and they claim it 's verified to be mines. Not once did I say it was n't, what I 'm disputing is the fact that it should n't be reported and I provided them that proof from the state of GA and they deleted only to come back years later to report it again. If they do the research and see that the information was sent to them cause if it was n't it would n't be deleted in this first place. The business practices that equifax is doing is unjust and also is against the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Financial Systems, Inc.
State: MS

Complaint narrative:
I have no knowledge of debt and gave m upon notification I have informed collector that account does not belong to me several times

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 2017-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Inquiries were removed due to disputing them and then put back on my report without my knowledge.

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 2017-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
In today I received an credit alert stating that this company XXXX XXXX, XXXX. Was collecting a debt for XXXX . This collection agency appeared on my credit reports todate. However they dated the open date for XX/XX/XXXX,2017. This company has never reached out to me informing me that they had received this debt. And that they now were trying to receive payments. I have disputed this company ( XXXX ) in the past. The company could not fully verify the debt was mines.

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 2017-07-20 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: CT

Complaint narrative:
In XX/XX/XXXX, I asked the IRS to grant a withdrawal of Federal Tax lien. I received confirmation of withdrawal on XX/XX/XXXX. A week ago on XX/XX/XXXX, I obtained from the court 's clerk a copy of the recorded IRS form XXXX " Withdrawal of Filed Notice of Federal Tax Lien after Release ''. The form has the stamps that it was recorded by the clerk for the superior court of XXXX XXXX, GA on XX/XX/XXXX. On Monday night XX/XX/XXXX, I filed an online dispute with Equifax asking they remove the public record of this IRS tax lien and I uploaded the above recorded form of withdrawal as proof that this tax lien was withdrawn. Today, Equifax sent an email that they had investigated and confirmed the original tax lien of XX/XX/XXXX, and would do nothing further. Therefore they are refusing to update my credit report by deleting this public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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: TX

Complaint narrative:
Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " XXXX '' not " XXXX ''! I only gave permission for 'one ' credit inquiry. Please delete XXXX from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, VA XXXX b ) XXXX / XXXX XXXX XXXX XXXX XXXX, SD XXXX c ) XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation