vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I spoke to my bank, PNC, regarding withdrawals from a lender who was to have no further access to my checking account. I was told that the impending payment would be reversed due to a stop payment request and the payment returned. However, I noticed on Saturday, XX/XX/2018, that the payment was taken back out of the account. One of the charges was disputed but it was also returned to the lender. This lender has been incorrectly stating the remaining amount of the loan and has breached the contract. I made my bank aware that this lender is to no longer to have access to my account but it seems my bank has disregarded me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company did not address showing this as consumer closed. They can keep their apologies. One loan I had for 7 years. They failed to send me disclosures and terms of agreement before they closed out the accounts. The company failed to give me proper notice of the closings until they actually closed the accounts. Per the attachment they did not notify me of the recourse until it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Back in XX/XX/2018 sent a certified mail with a notarized letter asking to delete accounts containing inaccuarte information from the same source but different in each of the 3 bureaus and speciappy from Tranunion, .. The results of the investigation was update information clearly wrong in my credit report afecting my ability to access fimacial stabilization.. Aparently Transunion will not take the effort of extra iinformation sent ro them to double check the big errors in my credit report.

I ask to open their files to match with my records which they never sent me anu proof or document to match isntead I sent them a letter a copies of 3 bureaus indicating the inaccurate of the account in dispute.. Transunion is in clear violation of the FCRA by posting information inaccurate afecting my credit.

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 2018-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX THE AMOUNT OF {$940.00} DOCUMENTS WERE SENT THREATENING TO HAVE THEIR ATTORNEY CONTACT ME TO SUE ME. I RESPONDED Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
XXXX XXXX established a loan with One Main Financial. Due to personal circumstances including the finalizing of a divorce, he became behind on payments. In the winter of XX/XX/XXXX, he was offered a settlement amount of {$1300.00} which was pain in XX/XX/XXXX. A letter, which unfortunately was lost in changing housing situations, was received documenting the account as paid in full. No further communication or efforts to collect the debt were received from OneMain Financial until XX/XX/XXXX. 

After repeated phone calls without messages - sufficient enough to disrupt his work day - XXXX spoke to a representative who then stated XXXX was months behind on payments. The representative failed to identify himself appropriately. When XXXX disputed the information verbally, he was advised that payment needed to be made or further debt collection practices would occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have attempted to get an inaccurate bankruptcy removed from my credit report numerous times. I have filed multiple disputes and have requested multiple times method of verification in regards to them verifying bankruptcy. I have attached letter from bankruptcy court showing that they do not have a bankruptcy listed under my information nor do they provide information to credit reporting agencies. I have submitted a copy of email from XXXX advising that they do not verify information to third party agencies. I have finally attached report from XXXX XXXX advising that they have deleted the inaccurately listed bankruptcy on my report as they were not able to verify. This then begs the question of whether the credit reporting agency is actually investigating my many disputes. They have deleted information as well as numerous other inaccurate information that was appearing in my file that belong to another individual. Once again I request a method of verification of how the credit reporting agency is verifying this inaccurate information. I do not believe the generic response of " third party agency '' is appropriate as I have reached out to third party agency and the court house itself. I want inaccurate bankruptcy   removed from my credit report as soon as possible.

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 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I used to have an account with Barclay. Due to oversea traveling, I failed to pay a small balance on the card. Barclay closed my account, and added a huge amount of fee into it. On XX/XX/2017, I was able to talk with a Barclay representative, and he told me that he can waived some of the fee, and the total I owned & need to pay off the account is XXXX. That was taken out of my XXXX XXXX XXXX checking account that Barclay has on file on the same day.

Fast forwarding to now, I got email from Barclay saying that I owned {$390.00} on the closed account. I called in, and the nice representative explained to me that the balance was never paid off. She was able to get $ 100+ fee off the account, and I paid $ 200+ to close the account. 

As I was made to believed that the account is closed and paid off in XX/XX/2017, and as most of these charge are fees on top of fees, I believe the fees are excessive.

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 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NRA Group, LLC
State: NY

Complaint narrative:
I sent XXXX copy of my account statement from NYS department of social services after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The NYS department of social services paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay NYS social services. XXXX XXXX sent me and XXXX a copy of a computer print out with no record of the payment from NYS Department of social services and it was not itemized, as I requested. XXXX has not responded to my request to correct this and remove from my report. XXXX took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from NYS department of social services they did not respond and stated to CFPB that there was an unauthorized third party, yet this remains on my XXXX   and XXXX reports. XXXX has consumer disputes and XXXX does not.

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 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent XXXX copy of my account statement from NYS department of social services after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The NYS department of social services paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay NYS social services. XXXX XXXX sent me and XXXX  a copy of a computer print out with no record of the payment from NYS Department of social services and it  was not itemized, as I requested. XXXX has not responded to my request to correct this and remove from my report. XXXX took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from NYS department of social services they did not respond and stated to CFPB that there was an unauthorized third party, yet  this remains on my XXXX and Experian reports. XXXX has consumer disputes and Experian does not.

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 2018-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I have never had trouble logging into my XXXX ( formerly XXXX ) student loan borrower service account, now all of a sudden it says " temporarily unenviable '' and I tried calling and they said my social security number is invalid, and also my account number is too.. I can not get in touch with them because my account number and social security will not work. I have tried to email them but they will not get back to me. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
According to the card and what I was told on the phone I have had this card since XX/XX/XXXX ( but I had card of pre-merger company before then ). The card does not expire until XX/XX/XXXX. I buy gasoline on the card intermittetently, and I made my last scheduled payment for the full amount on XX/XX/XXXX via their electronic portal. I received a letter dated XX/XX/XXXX stating that my account was now closed. I spoke with different agents and got different explanations. I don't think I have ever been delinquent on this card and pay according to terms and within the period so that interest is not charged. In the past they have reduced my credit limit, and that is ok with me because I don't want too much available credit to affect my credit score. I was told I could re-apply, but just the closing of my account by the company has already reduced my credit score.The last bill was for {$970.00} ( I think I had a credit for having paid too much before ). They no longer send paper billa and have neglected to e-mail me that I owe a balance, but nonetheless I have kept my account current. 
I berlieve that the company has made the following violation : ( b ) Account termination. ( 1 ) A  creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.

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 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
XX/XX/2018 U.S.Bank charged me an overdraft fee of XXXX. My check deposited during the blizzard in New York and i explained this to them, I had an automatic payment that came out on the same night that my check was deposited and they clearly chose the payment over my check. I called and talked to XXXX XXXX and told him my dilemma. He proceeded to tell me a refund was given once before and said too bad we cant do anything. 
tried the XXXX but had to reject US banks answer because they gave a generic response that didn't address the problem. 
The main issue was an electronic deposit was made on THE SAME DAY. US Bank choose to overdraft instead of depositing the funds first. 
US Bank bank dealt with the charges out of order, processing the largest transaction first. 
This common practice allows banks to deplete your account faster, thus making it easier for them to charge unnecessary overdraft fees. 
Therefore I reject their business response. 
The XXXX closed my Complaint Complaint ID : XXXX Complaint Type : Business Complaint Date Filed : XX/XX/2018 XXXX XXXX Dispute Center : XXXX XXXX XXXX ( XXXX XXXX, MN ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Email : Web : XXXX : 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 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax still refuses to remove a XXXX  Inquiry from XX/XX/2016 which I have disputed with both Equifax and XXXX, XXXX already notified all three bureaus and two inquiries were removed from XXXX XXXX and XXXX but NOT Equifax. I call them and they tell me to dispute it with the company and are rude and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Recovery portfolio is trying to collect a debt that is no longer valid in the state of California because of the 7 year statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-04-17 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Since I have opened my account I have been plagued with issues such as the inability to properly access my account online or by phone. My account locks out and I attempt to follow the self-service steps to perform a password reset and I am told that I must call for an authorization code. Only to be met with a message that they are closed. I call in when they are open and am continuously met with a minimum 38 minute hold time and often the representative that answers is unable to assist or service my account. They then proceed to transfer me back to the IVR/menu and I have to go through the prompts and then be placed on another hold for over 38 minutes. Tonight alone I have spent over 2 hours combined on hold with no resolution to my problems. I've voiced my concerns to the bank and no one is interested in resolving my issue. The WRONG phone number is listed on my statements and when called direct me to a client managed department with no wait. They attempt to pull my account up and always transfer me back to the main menu where I have to manually input information to be thrown into a general queue with a magic wait time of at least 38 minutes. This is highly 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 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This company has misled you also. If you look the fraud affidavit submitted, you can clearly see it has Synchrony/G.E. They are a collection company for Synchrony, and they told a bold face lie. This is the same company that XXXX  slurs to me. This is the same company that caused me to lose my V.A. Loan. They are liars.That account is fraudulent! XXXX XXXX XXXX is attacking me with vengeance, and revenge against me for threatening to file a complaint and letting other consumers know about their duplicitous business practice. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX XXXX against me. They are disturbed at me. They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals, or by XXXX XXXX XXXX employees, this must be an inside job. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. XXXX XXXX XXXX retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a XXXX XXXX XXXX Member. They dont care who they XXXX over to save their brand. I learned this the hard way after they were XXXX  on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX XXXX has a strong dislike toward Veterans. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Sen. XXXX, please prove them wrong. Please help this Veteran and this XXXX XXXX XXXX member. Please?

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 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MD

Complaint narrative:
XX/XX/2016 {$1200.00} i spoke with the fraud department, no results or response

Company response to consumer: Closed with explanation