vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PMAB,LLC
State: NC

Complaint narrative:
PMAB LLC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX IS A DEBT COLLECTOR FOR XXXX XXXX XXXX, XXXX NC MY HOSPITAL BILL WAS PAID IN FULL VIA A CHARITY PROGRAM THAT I SIGNED UP FOR. WHEN I FIRST SAW THAT PMAB SUBMITTED A NEGATIVE FILE ON MY CREDIT REPORT I CONTACTED THE CHARITY THAT PAID MY BILL ON MY BEHALF, THEY IN TURN CONTACTED XXXX XXXX XXXX AND SUBMITTED THE RECEIPT AND DOCUMENTATION THAT THE BILL WAS PAID BY THEM. XXXX XXXX XXXX FAILED TO CONTACT PMAB TO HAVE THEM REMOVE THE NEGATIVE REPORT, SO I DISPUTED THE REPORT VIA XXXX. ACCORDING TO XXXX  PMAB IS REFUSING TO REMOVE THE CHARGE OFF WHICH WAS FALSELY REPORTED BY THEM AND THEY FAILED TO DO THEIR JOB AND CONTACT THE HOSPITAL TO VERIFY THE ACCOUNT WAS PAID IN FULL LONG BEFORE THIS DEBT COLLECTOR GOT INVOLVED IT HAS A NEGATIVE IMPACT ON ME AND MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Betterment LLC
State: KS

Complaint narrative:
I transferred {$50000.00} dollars from my checking account to Betterment LLC. I had forgotten about a few items coming out of my checking and so attempted to withdraw {$10000.00} the next day. The withdrawal said that it would be 1-2 business days depending on when I submitted the transfer. This was on XX/XX/2020. On XX/XX/2020, it was still not in my account but in betterment the funds were showing as withdrawn. I submitted a help ticket to Betterment and was told that the funds would be sent the night of XX/XX/2020. I think this is false advertising. The company has since shown me fine print that says, '' '' Transactions can be subject to processing delays in certain circumstances. 
While 1-2 business days is generally the expected withdrawal timeline from Betterment Everyday Cash Reserve, withdrawing funds soon after a deposit can trigger a temporary hold on your withdrawal. This hold should last no longer than 4 business days. If further action is required on your part, we will let you know. '' While it is part of their policy, this seems very deceptive to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions does Not provide me ACCESS for my profound. XXXX and XXXX XXXX XXXX. see attatched XX/XX/XXXX letter. Regions requires an IDENINITY Theft Kit on line Or go into a branch office to fill out. I CAN NOT WRITE OR SIGN. REGIONS PROVIDES NO ON LINE MOBILE APP ACCESS because I am XXXX. I AM IN A XXXX  XXXX  DRS ORDERS XXXX. I HAVE REPORTED ID THEFT WITH FTC case XXXX XX/XX/XXXX following the FTC. gov web and the ID THEFT. gov web AUTHORITIES GUIDELINES. Regions requires coming to branch or go on line for ADDITIONAL REQUIREMENTS NOT REQUIRED BY AUTHORITIES. Regions is Not ADA ACCESSIBLE. AS my ID Theft Report EXPLAINS XX/XX/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
Consumer complaint received 2020-03-06 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: MO

Complaint narrative:
Currently a company by the name of XXXX XXXX is attempting to collect on a debt by the original creditor XXXX. This was placed on my XXXX  credit report along with my Experian  and XXXX  reports. Both XXXX and Experian reviewed the dispute and immediately removed this from my credit report. After multiple attempts XXXX continues to ignore the original dispute. 

The dispute is very simple - I terminated service with XXXX in the first few days of XX/XX/2019 and moved my service to XXXX after constant issues with poor service and billing issues. My lease on my phone had concluded, the phone returned and confirmed received by XXXX days later. I have had XXXX service for XXXX, XXXX of 2019 and since. 

In XXXX of 2019 XXXX sent me a bill attempting to charge me for XXXX over three weeks after terminating service. After months of billing issues with XXXX it did not surprise me that XXXX was still trying to charge me for a service that had been terminated for weeks as their XXXX   complaints show a long line of people they attempt to do this with. Then XXXX attempted anyway to charge my credit and debit cards and access my bank accounts and take the money anyway which was immediately stopped by the fraud departments. 

To date neither Experian, XXXX XXXX or XXXX  who is allowing this to remain on my credit report have shown me a single bill with actual charges. When they are asked to provide proof they just send another copy of a past due notice but never a single copy showing what the service is for, the period it was to be provided in both of which would show the charges are for service long after I left XXXX and ceased having an account or service with them. 

I have filed numerous disputes with Experian and the reply I get each time is 'they verified the debt '' and each time it's with a copy of a past due bill. Not once have I been handed a single piece of proof of what the charges are for or any legal document allowing them to charge me for anything outside of the time I had service with them.

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 2020-03-06 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/20 I sent a commmunication to QVC Synchrony bank stating there is a hard pull on my credit report when no application for credit was submitted. No response

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 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: VA

Complaint narrative:
A check dated XX/XX/19 in the amount of {$9500.00} was written on a XXXX account and send to the payee, XXXX XXXX XXXX  but the check was fraudulently altered and deposited at PNC Bank. The check copy clearly shows the alteration, indicating that PNC was grossly negligent in allowing the altered check to be cashed or deposited. A fraud case was opened by XXXX but according to XXXX, PNC has refused to respond. A complaint was also filed against XXXX but they did not provide any additional information to the account holder or to CFPB. XXXX says that their counsel has sent a demand to PNC for return of the funds. They also suggested that a complaint against PNC be filed. The cancelled check copy should provide account information at PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On my credit report I have 1 account from XXXX XXXX XXXX  & 4 accounts from XXXX  XXXX XXXX that I reported as fraud an XXXX  and Experian refused to remove them.

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 2020-03-06 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: CA

Complaint narrative:
I was made aware of an account on my credit report that does not belong to me. The accounts name is XXXX XXXX XXXX XXXX XXXX opened XX/XX/2016 {$6000.00}. I have no idea who is responsible for opening this account but I did not give anyone permission to open it in my name. I filed an FTC report as well as a XXXX XXXX police report which I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: AZ

Complaint narrative:
I have several inquiries that were initiated due to fraud. My information was exposed by XXXX   breach and this is the second time people apply for credit under my name. The following are not mine : XXXX XXXX XXXX XXXX Credit Cards XX/XX/2020 Experian XXXX XXXX Credit Cards XX/XX/2020 Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/2020 Experian XXXX XXXX   XXXX Bank  XX/XX/2020 XXXX XXXX XXXX Bank XX/XX/2020 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
Consumer complaint received 2020-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I transferred a loan balance to my credit card to enjoy a 0.0 % promotional interest rate for the initial 12 months since it posted. However, Bank of America now charges me interest on all my new monthly purchases despite paying down the balance to {$0.00} for my monthly new purchases, plus additional funds toward the balance transfer. It's essentially a bait and switch. Now they can charge me a higher 15-18 % interest rate on my new purchases when I never had to beforehand because I always paid my balance to {$0.00} every month. 

I called twice to complain that this was an unfair business practice and not properly disclosed on the promotional mailer offer. 

The first time I called in to ask why I was being charge interest on my new monthly purchases I was hung up on. The second time I was not offered a satisfactory explanation why I was being charged interest or any type of resolution.

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 2020-03-06 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: FL

Complaint narrative:
In XXXX of XXXX, I was made aware that Navient/Department of Education had placed missed payments on my account for the months of XXXX and XX/XX/XXXX although they should have been in deferment status. This notation was added on to the 11 accounts I have from this servicing provider making it 22 missed payments for the months in question. When I spoke to them in XXXX of XXXX the representative advised me that they would fixed the error, bring my status back to current and going forward my loans are in deferment status. 
XXXX of XXXX, I saw the drastic changes on my credit report and reached out to Navient about correcting the errors, and they denied my request claiming it wasnt an error in their behalf. However, if it were true that I had in fact missed a payment how come I was never contacted? They told me that they leave messages for me on their website in the inbox provided there. At that time I had no knowledge of the communication they attempted to have with me through their portal as I was never made aware of it. I ask that you all assist me in getting these missed payment notations deleted from the 11 accounts on my credit reports as it is defamation and false. It has also made me look like a terror in the eyes of lenders. I have always had 100 % payment history and now my credit is doomed because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 
I have notified NAVY FEDERAL several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to NAVY FEDERAL XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt NAVY FEDERAL is in violation of the FCRA and continues to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: FL

Complaint narrative:
I have just recently looked over my credit report and I noticed some inaccurate accounts that are being reported on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how someone would have access to my credit report and because of this, I have no chance of gaining new credit. Please conduct a re-investigation into this issue and have those derogatory accounts removed from my credit file.

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 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been getting charged a monthly interest rate for over a year. I just now realized this, because I have been making multiple payments, and the credit limit still gets higher. 
I checked my account, and they are constantly raising the interest rate on my credit card. 

When I first signed up with Citi Cards, I was not made aware of a monthly interest rate. It was only advertised to me that this credit card will only cost me {$99.00} a year to keep ( besides the regular charges and payments ). 


I tried to have my credit re-instated, but the representative with Citi was not really helpful. 


Thank you

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 2020-03-06 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
As to XXXX XXXX 's response on behalf of Discover case # XXXX, the new basis of my complaint given your response is you are required by law under the FCPA and it's underlying regulations to immediately remove and immediately cease furnishing inaccurate information. To be clear, specific, and to help in your actually responding to my complaint ; per your own response, a payment made by myself on XX/XX/2019 was returned by XXXX XXXX on XX/XX/2019?? A month later? Under what cause? And by whose authorization? Then, again by your own report, a payment of {$500.00} made on XX/XX/XXXX was also returned by XXXX XXXX on XX/XX/XXXX? Again, I ask under what cause because on both you state unauthorized, is that akin to claiming fraud? Again, who made the claim and on both, you fail to state after two returned transactions as " unauthorized '', what contact did Discover have with me on either as to verification, etc? After the first returned funds under " unauthorized '', was my card shut off? Any security measures made? Any contact with me? Then my account was closed on XX/XX/2019. My claim is clear, those returned payments were done under identity theft and fraud, I never once authorized, filed claim on, disputed any payments I made. And for clarification, how is a payment made out of my account a month later deemed unauthorized? Does that mean XXXX XXXX was claiming someone was making my payments for me? You have, continue to report inaccurate, misleading, information which again you are well aware. Under the FCPA, that was to cease immediately long ago. This is the clear basis for my new complaint, I am again notifying you as you were also provided a police report, FTC Report, and next attorney general 's report that I was a victim of identity theft and fraud. Further, XXXX XXXX has just two days ago admitted in writing I informed them the payments taken were legitimate and admitted they were lawfully responsible to repay Discover immediately. It couldn't be a more clear case. Please feel free to dispute anything specifically stated here, please do not devalue this agency nor the Laws under which you are bound.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: NJ

Complaint narrative:
I have submitted my payment online to have it withdrawn on a certain date. Then after three days of my bill being late I speak to an agent letting them know that the payment is posted online to be withdrawn on a date I selected. The agent looked at the system sees the payment is scheduled to come out on a date I selected. Then the next day I get four or five calls requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My bank, Ally Bank is refusing to respond my many emails, Phone calls and chats about a check for {$86.00} I requested to be issued from my investment account. They jydo not answer me and refuse to mail me my money which they already deducted from my account.

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 2020-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I usually don't monitor my credit I am in the process of buying a home and I see several accounts listed that I have never opened.

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 2020-03-06 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: NV

Complaint narrative:
I usually don't monitor my credit I am in the process of buying a home and I see several accounts listed that I have never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: NV

Complaint narrative:
I usually don't monitor my credit I am in the process of buying a home and I see several accounts listed that I have never opened.

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 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I contacted XXXX to talk with TD card services. They could provide no information on a card, opened without my knowledge, without me giving them more personal information. I offered the card number and my name only. This conversation took place on XX/XX/2020 
I have not activated the card or used it. I believe the account is still open.

Company response to consumer: Closed with explanation