vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 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: MS

Complaint narrative:
XXXX  XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. 
this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. 

XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... XXXX et al, U.S. District Court, XXXX XXXX XXXX California, No.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: IL

Complaint narrative:
I have sent in identity theft disputes multiple times in which the bureas have failed to response let alone follow the guidelines outline in FCRA 605 ( B ) that states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. In which they have not complied with I also sent these documents certified so I have proof of receipt. For Example USPS tracking number XXXX. Confirmed ation of receipt was on XX/XX/2020

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 2020-02-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AES/PHEAA
State: TX

Complaint narrative:
PHEAA did not notify me of payments I could have made or arrange while I was working between XX/XX/XXXX and XX/XX/XXXX. Instead, they decided to garnish my wages and made my 1 ) credit look bad, 2 ) and my loan with them look like it was in default still. Then while I was laid off XX/XX/XXXX, and had little money, PHEAA, or the US Dept. of Education took my entire tax return as a tax offset while I was unemployed. Then I received no mail from PHEAA regarding this in default loan from XXXX, which is closed on my credit, but now it shows started on XX/XX/XXXX? I just spoke with someone at PHEAA and they will not approve a tax offset for my XXXX taxes while I am unemployed! Nor have they sent me any mail regarding this problem! This is not legal is it? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Improved Data Services LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I received a voicemail on my work phone from XXXX to contact her at XXXX reference account XXXX. During our conversation, we discussed settlement options and I agreed to touch base with her the following week after doing some research on financing a resolution. During that time I secured funds to enter into a payment arrangement with the company for the debt they were representing XXXX XXXX XXXX XXXX. 

Prior to ending our conversation, I asked that my work not be contacted in the future for my personal matter ; XXXX agreed to update my account contacts to reflect only my personal number. 

Today XX/XX/XXXX at XXXX I received another call on the same work line from XXXX. The automated message redirected me to a man who identified himself as XXXX XXXX. He made introductions and inquired about the status of the agreement. I asked him first to update the contact information again to not be work. His response was to ask me " how embarrassing it would be for [ me ] to be served at work in front of colleagues. '' At that point, the conversation deteriorated and we ended the call. 

In addition to a violation of the FCRA work call prohibition, the man was extremely rude and I think he may have followed insincere threats to sue prohibitions as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I noticed an account that was reporting a past due balance on my credit reports, from XXXX XXXX XXXX  credit card. I do not recall owing any balance to this company, so I disputed the balance amount with all three credit bureaus because I believe it is inaccurate. After I sent my dispute, I received a letter from XXXX XXXX on XX/XX/XXXX asking me for more information about my dispute. Specifically, they asked me to list the credit card charges that I wanted to dispute so that they could investigate my claim. I wrote back on XX/XX/XXXX explaining that I can not tell them which charges are incorrect because I dont know what any of the charges are. I asked them to provide a list of the unpaid charges or fees that are on the account so that I may indicate which ones are fraudulent or unauthorized. I received a response from XXXX XXXX that said they are not willing to provide any information to me regarding the past due balance. TransUnion and XXXX  closed my disputes, and somehow found that this past due balance information is valid. The issue remains - and now is further exacerbated by the fact that I can not ever properly dispute the past due balance because I have no idea what the charges are that XXXX XXXX is reporting that I owe. Apparently, XXXX XXXX had been communicating with me by mail at an address I do not reside nor do I receive mail there. I have never seen a copy of any statement showing what these charges are for. If XXXX XXXX bank refuses to validate the balance with me, they should not be validating it with the credit bureaus either. Additionally, XXXX XXXX should be required to report only 100 % accurate information, which I have not had the opportunity to confirm. TransUnion and XXXX   should be diligent in processing disputes, making sure to report only information that is factual and has been validated.

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 2020-02-19 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: DE

Complaint narrative:
I noticed an account that was reporting a past due balance on my credit reports, from XXXX XXXX XXXX  credit card. I do not recall owing any balance to this company, so I disputed the balance amount with all three credit bureaus because I believe it is inaccurate. After I sent my dispute, I received a letter from XXXX XXXX on XX/XX/XXXX asking me for more information about my dispute. Specifically, they asked me to list the credit card charges that I wanted to dispute so that they could investigate my claim. I wrote back on XX/XX/XXXX explaining that I can not tell them which charges are incorrect because I dont know what any of the charges are. I asked them to provide a list of the unpaid charges or fees that are on the account so that I may indicate which ones are fraudulent or unauthorized. I received a response from XXXX XXXX that said they are not willing to provide any information to me regarding the past due balance. XXXX  and Experian closed my disputes, and somehow found that this past due balance information is valid. The issue remains - and now is further exacerbated by the fact that I can not ever properly dispute the past due balance because I have no idea what the charges are that XXXX XXXX is reporting that I owe. Apparently, XXXX XXXX had been communicating with me by mail at an address I do not reside nor do I receive mail there. I have never seen a copy of any statement showing what these charges are for. If XXXX XXXX bank refuses to validate the balance with me, they should not be validating it with the credit bureaus either. Additionally, XXXX XXXX should be required to report only 100 % accurate information, which I have not had the opportunity to confirm. XXXX  and Experian should be diligent in processing disputes, making sure to report only information that is factual and has been validated.

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 2020-02-19 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: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) plus days late on the XXXX account partial account number XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: GA

Complaint narrative:
I am disputing methods of verification for a bankruptcy listed on my LexisNexis report. After calling several times over the past few months and sending dispute letters, I recently spoke with an employee named XXXX from LexisNexis at XXXX XXXX on XXXX  who stated verbatim there is No way to verify information in your file. I proceeded with my dispute since he confirmed LexisNexis does not and has not verified information in my file. LexisNexis sent a response in the mail stating they did not verify the item in my file with the original furnisher of the information but LexisNexis believes it is not obligated to FCRA regulations for removal of a record if it can not be verified. Thus, I am demanding this item be removed since it has not been verified with the original furnisher by LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: WI

Complaint narrative:
I asked them to stop all ach debits from my bank account I asked them twice in emails and I called today XX/XX/20 the emails I got no response when I called they told me the needed a different firm of payment. They are charging me 500 % interest on a loan for {$560.00} I have already paid them already {$700.00} I need them to stop debiting my account I also did contact my bank and they told me they cant stop ach debits

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/XXXX I logged into my Amazon store card account, managed by Synchrony bank. I needed to change the amount of my auto-payment but the site only gives you the option to cancel and then re-enroll with a new amount. I proceeded to cancel my autopay amount that was set to pay XXXX on the due date of each month. I received an email that confirmed the cancellation had been processed and as long as the date of cancellation was not less than 5 before the due date, the payment would not be processed. My due date was XX/XX/XXXX, greater than 5 days. The email also stated that I can re-enroll in autopayment at anytime. 
I then went back into my credit card account and re-enrolled in autopay and set the payment amount to XXXX. I received another confirmation stating that my new payment amount had been processed and would be deducted on the due date. 
On XX/XX/XXXX, XXXX deducted from my account. 
I noticed the amount debited from my bank account was twice what I expected, so on XX/XX/XXXX, I reached out to Synchrony Bank 's customer service via live chat and was informed by a representative that if someone cancels autopay and THEN re-enrolls, the system would debit the amount PREVIOUSLY cancelled -- and NOT honor the new amount that was just entered. This was NOT communicated to me in either email, nor is it a conscionable practice considering it is not possible to simply change the amount of the autopayment, you MUST cancel and re-enroll, so these details should be communicated. Additionally, the fact that the initial cancellation confirmation mentioned re-enrolling in auto-pay but did not mention this very important bit of information concerning the amounts is very deceptive, as is the fact that the representative noted that it is a " known issue '' they are working to resolve -- known issues should be communicated clearly to consumers.

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 monetary relief
Consumer complaint received 2020-02-19 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: MS

Complaint narrative:
XXXX  XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. 
this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. 

XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... XXXX XXXX XXXX, U.S. District Court, XXXX XXXX XXXX California, No.

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 2020-02-19 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: MS

Complaint narrative:
XXXX  XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. 
this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the XXXX XXXX XXXX XXXX page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. 

XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... XXXX XXXX XXXX, U.S. District Court, XXXX XXXX XXXX California, No.

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 2020-02-19 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: FIRST NATIONAL BANK OF OMAHA
State: MS

Complaint narrative:
XXXX  XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, fst ntl bk XXXX : First National Bank of Omaha to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX  District of California,

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 2020-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened my IRA in PNC in XXXX ( no minimum required and no fee ). In XXXX and XXXX, there were no fees charged. In XXXX, I left PA for training but still got my mail and all notifications. I just got back from training and recieved my XXXX statement a few weeks ago. I noticed a {$25.00} fee. I looked back at my other statements and through every single piece of mail. {$25.00} was charged for {$2000.00} also ; there was no reason given nor notification sent. The {$25.00} was more than I earned in interest! I called PNC on the XXXX and they claimed it is a custodial fee they " recently started '' and issued because I had less than {$2000.00} in the IRA. I informed them I have many IRAs and have never been charged a fee 'all of a sudden ' and I was never informed upon opening the account to have a certain amount in. That and for 2 years, I was never charged .... They said " as a one time courtesy, we will give you {$25.00} back '' .... I want the {$50.00} back and the ability to either put the money in to not get charged again or just transfer it out to another IRA. They said they'll have to charge for the transfer ... .. Four weeks have gone by now and PNC is still not able to admit their mistake upon charging me and will not put the remaining {$25.00} back into my account. It is absurd to have to pay PNC for holding my retirement money for me and 1. not make any money for it 2. not be able to have this quickly rectified so I can do my part and put money in until its due and take it out w/out yet another fee.

Company response to consumer: Closed with monetary relief