vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been dealing with this company for years and they have yet to accurately verify this account that does not belong to me. I have two open credit cards with the company they claim I have a collection with that were both opened after the alleged collection took place. Surely if this was my account the bank wouldnt have overlooked that twice! 
PORTFOLIO RECOVERY must herein provide to me a True and Certified Original copy of the Complete audit trail under penalties of Perjury of alleged account with their company, pursuant to 15 USC 1692.g of FDCPA. Furthermore, in order for PORTFOLIO RECOVERY to validate the debt please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with BASEL 3 accord and U.N.C.I.T.R.A.L. conventions. I would also need a certified copy of the original contract with my wet ink signature between me and PORTFOLIO RECOVERY, proving that PORTFOLIO RECOVERY is holder in due course of the original debt contract as well as certified original copy of your Tax Registration Certificate. If they can not provide this information I demand that they remove/delete negative account from ALL three credit bureaus as well as stop with any further harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received {$1100.00} reimbursement check from XXXX XXXX XXXX sometimes in Mid XX/XX/2019. This is not the full amount. The full amount is {$1200.00}. It's {$120.00} less. 

According to the XXXX XXXX XXXX, the {$120.00} was used to pay itself under legal fee service. In other words, they stole my money, and then they charged me {$120.00} for stealing it. This is outrages. You have nerve. 

I don't care how you spent it. You took my money. You have to return it in full. Period. 

We are not done here. 

Give me back my money, now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On Tuesday, XX/XX/2018 I received text and phone fraud alerts from my banking institutions ( USAA and XXXX XXXX XXXX ) alerting me to fraudulent activity on my credit cards. The amounts were : {$440.00} charged to my XXXX XXXX at XXXX {$1300.00} charged to my USAA XXXX XXXX at XXXX {$920.00} charged to my USAA XXXX XXXX at XXXX When I checked my wallet, both of those credit cards were missing. I believe my credit cards were stolen from my wallet on the morning of Saturday, XXXX XX/XX/XXXX. I have filed a police report with my county Sheriffs Office, a copy of which has been provided to USAA. 

My cards were NOT in my possession when the fraudulent purchases were made. XXXX XXXX XXXX quickly reversed the {$440.00} charge and the resulting fees. USAA also initially reversed the charges and issued me a replacement card, but then the charges appeared on my statement again on XX/XX/2018. I never received a notification explaining the charge reversal, and only noticed it when reviewing my account history. 

I have tried numerous times to resolve this issue with USAA, asking them to remove the fraudulent charges from my account. I have called weekly, but am told every time that my case is still in progress and there has been no resolution. I am beyond frustrated that this has dragged on for 10 months with no assistance from USAA. 

Please contact me if you need any additional information. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX, I made an online purchase with my Citibank credit card for {$110.00} from XXXX for a XXXX  XXXX ticket on XX/XX/XXXX, order XXXX. Purchase was immediately confirmed but my mobile ticket was not received upon my follow-up call requesting it. No resolution was provided. Immediately, I filed a dispute with Citibank ; promptly providing full documentation via mail upon request. I was notified via mail received XX/XX/XXXX of my closed dispute in favor of XXXX. I called the same day requesting my dispute be reopened for review for alleged fraud. XXXX XXXX notified me on XX/XX/XXXX of delinquent Citibank credit card report sent to XXXX. I had not yet been billed for this charge since my dispute was closed. I called Citibank XX/XX/XXXX and was told my dispute was not reopened for review on XX/XX/XXXX. I asked when I will received a statement, and they said they mailed one on XX/XX/XXXX. I informed them they reported a delinquent charge illegally. They said I should write their Credit Bureau Dispute Dept. with a copy of the XXXX  report. I informed them I will not pay the fraudulent {$110.00}, and will not use my credit card, and will cancel the card upon review of this matter, filing a Federal complaint, and correction of my credit bureau 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 explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CO

Complaint narrative:
I have a debt collection from XXXX and I called XXXX and spoke with XXXX about making payment arrangements on my account and she said my debt was sold to Crown Asset at XXXX I called and spoke with XXXX and he said that he could not take my payments and payment arrangements would have to be done through XXXX XXXX  at XXXX. I called XXXX XXXX and spoke with XXXX and he stated that he could not take any payments because I was currently XXXX XXXX Military and the account had been transferred back to Crown Asset management. So I called Crown Asset back and spoke with XXXX XXXX and told her that I was currently in training and this was my only day that I had to make payment arrangements on my outstanding debts and I needed to pay on this account. XXXX said that the account was not with Crown Asset and that she couldn't take a payment anyway because all their payments would have to be made through XXXX XXXX. I called XXXX XXXX back and spoke with XXXX again and told him what XXXX said at Crown Asset and that it was imperative I make a payment today to start paying back this debt. XXXX stated that there was no way he could take payments on my account because it was annotated that I am currently XXXX XXXX military and because of that they have to transfer the accounts back to Crown asset and they no longer have it. Crown Asset or XXXX XXXX could not take my payments even though I attempted several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern I, XXXX XXXX recently pull my Credit Profile and notice an extreme lates that were reporting on my credit report. The below LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of the account. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payments history information. This student loan has been in forbearance and shall not be reporting late to my credit profile PERIOD. This account is reporting late as of XX/XX/2019 and has affected my credit report tremendously which is a BIG VIOLATION OF THE FCRA 623 ( a ) 2 PLEASE UPDATE AND REMOVE IMMEDIATELY!!!!!!

Account Name : XXXX   Account Number : XXXX According to the FCRA

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 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern I, XXXX XXXX recently pull my Credit Profile and notice an extreme  lates that were reporting on my credit report. The below LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of the account. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payments history information. This student loan has been in forbearance and shall not be reporting late to my credit profile PERIOD. This account is reporting late as of XX/XX/2019 and has affected my credit report tremendously which is a BIG VIOLATION OF THE FCRA 623 ( a ) 2 PLEASE UPDATE AND REMOVE IMMEDIATELY!!!!!! 

Account Name : XXXX Account Number : XXXX According to the FCRA

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 2019-06-24 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: PNC Bank N.A.
State: GA

Complaint narrative:
This involving PNC Bank. I called the Customer Service Line to dispute an unauthorized charge that came out of my account for {$320.00} on XX/XX/XXXX. I was informed that the matter would be settled in 10 days. As time went on I noticed the charges never got reversed so I called the PNC Customer Service Center to find out my Dispute was not submitted correctly and I had to drive to the nearest bank to submit an Affidavit. 

I did drive to the bank and faxed the Affidavit and still haven't got this matter resolved from this bank. Because of the mistake PNC made to my account I'm sitting here broke with NO MONEY! I didn't hardly have gas money to drive to the bank to submit an Affidavit.

A bank is allowing a customer to suffer because of a mistake THEY made! I had to hold off on my bills. I'm about to lose whatever little health insurance I had. More stuff is coming out of my account and more charges will be added. 

PNC has ruined me financially by not handling my dispute properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
Went to apply for a mortgage on a new home and when they pulled my credit I was denied a new mortgage because of false information reported by One Maine that I was late on several payments. There where two loans whit this company that I was originally on and one of them I was supposed to be removed off of when I was divorced in 2011 according to my divorce decree which I have a copy of. The other one that I was responsible for I set up automatic payments with One Maine. When I called One Maine they told me I was still

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: WV

Complaint narrative:
Equifax has XXXX XXXX on my credit as four different accounts and I only had one account with them and it should have been removed off my credit, I have contacted them several times and they refuse to remove the fake accounts and even try to charge me, its got to the point its extortion and even gets smart about it, please contact them and tell them to remove the extra accounts and quit trying to extort money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I had applied for Financial Hardship for my ER visit at XXXX XXXX in XXXX XXXX in XX/XX/XXXX. 

I then received a mailed bill on XX/XX/XXXX with a total amount due of {$16.00}, which I paid. 

I had been asked to resubmit my tax returns in XX/XX/XXXX which I did. I emailed them to one XXXX XXXX at XXXX. 

I had called the XXXX offices and spoken to XXXX XXXX in XX/XX/XXXX and was told that my debt was settled. I had received no mail from XXXX XXXX or any debt collectors regarding this debt until I received a call from Progressive Management Systems on XX/XX/XXXX, saying that I owed this debt having paid only {$50.00} of it in XXXX, which makes absolutely no sense. 

I had just settled another debt with Progressive less than a month prior for XXXX Hospital. I had never been given documentation that they held this XXXX XXXX debt or that it had even gone to collections. While I had been going through the debt collection of XXXX NO ONE had made mention that I owed another debt. It was only after they took my money that this debt magically appeared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
There was a XXXX XXXX card opened some years ago. I called XXXX XXXX directly about the alleged amount of {$420.00} which Portfolio recovery is reporting. XXXX XXXX stated that it is four three or four body sprays. If we do the math, their body sprays are always ( around ) 3 for {$25.00}! There is no way that it should be legal for a company to charge any one Almost {$400.00} in interest and fees! I have requested for the original contract, information on how this account was opened, and an itemized list of the fees associated to be mailed to me. This letter was sent via certified mail. I have the receipt and copy of the letter sent. I received a reply with none of the requested information that would legally validate the account and also break down these outrageous fees. Per my rights I am requesting that this account is deleted since the creditor has failed to validate as requested, and also due to the fact that it is also illegal to accrue so much interest for just {$25.00} ( give or take a little ). Account # XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: GREAT LAKES
State: OK

Complaint narrative:
I will try not to be too winded. I did some Parent Plus Student Loans for my son that went to XXXX XXXX in XXXX  XXXX. I approved 1 that I know of. Then they would let him change my password and re-submit loan applications every year in my name. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Two weeks ago I spoke with a collections representative from Ally financial in regards to a partial payment that came back returned. I advised that the payment was denied by my mother 's bank for suspicious activity. I was then told that as long as the partial payment of {$190.00} was paid my XX/XX/19 then the account would be in good standings. I advised that I would make my payment online on that day. Last week, I received another call from the collections department in regards to my loan. I repeated the same information to this representative that I stated to the last. Making them aware that I will keep my promise to pay by Monday XX/XX/2019. Again stating that the payment would be made online. Today I attempted to go online to make my payment only to find that my account information is no longer available and I am unable to make my payment as I had previously promised. I called in and spoke with 5 different representatives. The first two representatives hung up on me because they became frustrated and was unable to answer my questions. The 3rd representative transferred my over the online team which then transferred me back to customer service where I spoke to a 4th representative. Which then attempted to assist me and then the line was disconnected again. I called back and requested for a supervisor. I was then connected to a front line manager named XXXX ID # XXXX. I was told that I do not have access to the online and can't make payment for 6 months due the reverse payment. I attempted to make a payment via a 3rd party vendors which is a payment options that is available to me to make payment with a lower fee, however this option via XXXX and also via XXXX XXXX. Both are considered to be an acceptable payment option for this company. However, I have been blocked from making payment via the 3rd party vendors by Ally financial which they have on their website as payment options that can be done online or over the phone. The only option that I was given was the more expensive option of XXXX. XXXX and XXXX XXXX offer a fee of less than {$5.00} to submit a payment to Ally financial online. XXXX charges {$20.00} processing fee to send funds to Ally Auto. So currently I have not access to view my account details, statements, previous payments, nor do I have access to view my account in order to make the payment and ensure that it's applied to the correct account. I was told my XXXX that my account will be escalated and someone will get back with me in 24 hours. My account will be reported to the credit bureau tomorrow, which will cause a negative score on my credit as Ally Auto will report my account being passed due for 30 days due to this partial payment. This is unacceptable!

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 2019-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was shocked When reviewing my credit report and found a Macy 's Account with a late payment in the month of XX/XX/2018, I am unsure of how this happened, I believe I made my payments as soon as I received the bill. My thought is that I never received. a bill.

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 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Collection Service
State: ID

Complaint narrative:
I lived in an old duplex that I moved out of. I moved out and did not request for my deposit back because I did not want to go through litigation and had a lot other major life changes going on in my life. Almost 9 months later I check my credit and see that a collection agency has reported that I owe {$3900.00} in connection with that previous landlord. I did not get notification that this was in process. I always paid my rent and if things got broken and I took fault for it I would pay this landlord for the repair or replacement as needed. I just wanted things to run smoothly between us. This is majorly affecting me financially in a very negative way. I did not know this process was even initiated until I checked my credit and it was already on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: TN

Complaint narrative:
I attempted to call Eppicard two times today to do a transfer of funds and check my transactions. My transactions do not seem correct so I go through prompts to get an agent. They read a disclaimer about system updates and hang up in your face. The second I tried to speak and he disconnected the call and they charged a fee for the call. This is fraud. They are not even letting people speak or talk whether you are reporting fraud or checking charges. So I now have people or a vendor pulling funds and no one to speak with. Its so disrespectful not to mention negligent to perform this way. My funds are for my child not the call center or its subsidiaries. I have contacted DHS and the AG office in regards to this matter. This is not my first issue but it is set up to fraudulently take peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: TX

Complaint narrative:
l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.

Company response to consumer: Closed with non-monetary relief