vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: SC

Complaint narrative:
It all started with an overdraft onXX/XX/XXXX of {$30.00}. At the time I wasn't aware of the low funds in my account and didn't even realize that I had overdrafted my account. Later that day, I purchased some groceries and it amounted to roughly {$50.00}. The next day, I was hit with 4 overdraft fees, I was not notified of this in any way : no email, no call, nothing. There was also a pending charge from a purchase that I had made earlier that week that had disappeared from my virtual wallet account and popped back up on XX/XX/XXXX, and that hit my account with another 2 overdraft fees. It wasn't until XX/XX/XXXX that I was made aware of my overdrafts via email, on this same day I had accumulated another 3 overdraft fees. I made a call to PNC and explained that I had never been notified for the overdrafts ( also the disappearing pending charge on my virtual wallet, this would make the second time that I have been charged multiple overdraft fees for a pending charge that disappeared, then reappeared. I was never notified of those overdrafts either ), and that I wanted to speak to a XXXX about having the fees frozen, that way I could pay them before they piled up too high once I received my next paycheck. I was told to leave my phone and social security number with the representative and that a XXXX would call me back within the hour. I never received a call, so I called back the following day and was told that the fees would be stopped so I could pay them. PNC continued to hit my account with DAILY FEES even after telling me that the fees would be stopped. My account had daily overdraft fees charged to it from XX/XX/XXXX to XX/XX/XXXX on the day of my direct deposit from my job. A total of {$470.00} was deducted from my account virtually financially crippling me for this month. I knew calling PNC was not worth the frustration due to the fact of them continuously ignoring me and giving me the run around on this situation. After my second encounter with the problem of disappearing pending charges and not being notified of overdrafts, I became so displeased with PNC and how the situation was handled ( their lack of customer service ) that I had no choice but to make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received your XXXX Card in the Mail without a payment address. It had a XXXX XXXX logo on it. This was in fact a dual purpose account. The clerk in XXXX never explained it to me when she gave me the card. The correct name of the card is XXXX/XXXX, not XXXX XXXX Prior to the payment being due I sent the payment to XXXX XXXX. They received the payment and showed as a credit on my account until it was transferred several months later. 

The payment was sent to XXXX XXXX, with the XXXX Credit Card Number on it. I called the XXXX number on the back of the XXXX card and advised them. I was told they would take care of it. They never did it until I made several additional calls over a period of months. 

I have written numerous letters to XXXX, this matter has never been resolved although I was in constant contact with the XXXX credit card department. 

Received a letter datedXX/XX/XXXX/XX/XX/2014, informing me it would be taken care of, it never was. Note the letter is not completely accurate as it does not show all the contact made between the parties including XXXX XXXX They were very quick to add fees and interest and interest to the fees and interest to the interest on the fees. Although they were unable to transfer money to the correct account. Bottom line the principal amount ( s ) were paid prior to the due dates. 

My opinion company XXXX is a mill to attempt to generate fees and interest, I caution everyone to be very careful and document everything religiously as it occurs. 

Their business model is to give credit to those who can not afford it and fee them to death. A quick search of the internet shows the type and number of complaints. 
Companies with this business model should not be allowed to operate, they are XXXX the American Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX XXXX XXXX XXXX XXXX XXXX had REPORTED to XXXX and to the credit companys. As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX XXXX XXXX or XXXX I have been with XXXX XXXX since 2004 and my home mortgage is also through them and I continued to stay with them. I had contacted XXXX XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. I am XXXX XXXX XXXX XXXX ( XXXX ) for XXXX as a Internal XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX XXXX XXXX and also XXXX to please remove me off their XXXX and also notify XXXX that this is an error on their end.

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 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I'm disputing this duplicate credit entry. Tried to work it out, disputed with all 3 credit bureaus. No one wants to listen to me. We cant have double jeaporday. The originial creditor is claiming the debt as a charge off. and the debt collector is claiming the debt as well. If you own the debt both have to prove it. XXXX XXXX XXXX you need to stop acting like I opened this account on XX/XX/2016. That's a blaten lie. Show me the contract. XXXX XXXX is the original owner of the account. You are ruining my credit report with the double entries. 

You've paid off 2 % of your collection amount. 
Balance {$650.00} Highest Balance {$660.00} Opened XX/XX/2016 ( 2 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 01 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Stop trying to profit off the consumer. I in no way had a contract with 2 companies. Portfolio Recovery needs to prove they bought the debt with a bill of sale and contract on XX/XX/2017. XXXX XXXX needs to identity they are still the true owners of this account. You charged it off so did you sell it? If you sold it to Portfolio then you cant collect 2 x. 

Fix my report. You don't understand when a consumer loses their job, you try to damage them even more. You have to produce proof of ownership. If you own it then update my credit report to reflect original creditor date. I had a contract and you can not change the contract terms. 

You've paid off 0 % of your collection amount. 
Balance {$590.00} Highest Balance {$590.00} Opened XX/XX/2017 ( 1 yr, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX  See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: Carter-Young, Inc.
State: NY

Complaint narrative:
During the XX/XX/XXXX-XX/XX/XXXX I was the guarantor for an apartment for my college bound niece. In XX/XX/XXXX, my niece moved from one apartment to another within the same housing development. I was unaware of this as I did not sign as guarantor for the XX/XX/XXXX-XX/XX/XXXX year. On XX/XX/XXXX I received a collection notice from a collection agency informing that there was an outstanding balance of {$270.00} owed to the housing development. There was no explanation of the charges, only the amount due. The letter also indicated that it was a final notice ; yet it was the first that had ever been sent to me. The letter stated that full payment needed to be received by XX/XX/XXXX. With one day left to get information about this letter, I immediately called the phone number provided. When I asked why this debt hadn't been collected prior to my niece moving from one apartment to another, the agent had not been aware that a move had occurred. My issue is that before my niece signed a new lease and moved into a new apartment, any outstanding debt she owed should have been collected. It was the error of the management company to allow her to sign a new lease, then a year later try to collect on this debt and not inform me prior to this final collection notice. I was very upset and requested proof of this debt in writing. The agent also became very upset because I expressed how little she knew about the account for which she was trying to collect this debt, and she transferred me to her manager. I refused to explain the entire situation again and just requested proof of the debt in writing once more. The XXXX asked for my e-mail address which I provided for her and the call ended. On XX/XX/XXXX I received an alert that my credit score had decreased by XXXX points. I was never given any notice of this debt prior to this single letter. My credit score was decreased before I had a chance to review proof of the debt which I didn't receive via e-mail until XX/XX/XXXX ; 7 business days after I had requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2006 me and my wife got a Home Equity Line of Credit from XXXX XXXX XXXX. for XXXX. Than that following month we asked for an increase of another XXXX and we got it on XX/XX/2006 so a new loan number was generated for a total of XXXX. Since than I have settled this debt with XXXX XXXX XXXX. and received Full Reconveyance on XXXX. The first HELOC loan was never given Full Reconveyance for the XXXX since this loan was an increase XXXX XXXX should have closed the first loan account as it generated the other loan account. XXXX XXXX XXXX XXXX. operates as a subsidiary of Ally Financial Inc . I have both loan numbers, the Full Reconveyance on the XXXX and a Title Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: TX

Complaint narrative:
On XX/XX/2018 I submitted a request to Experian to send me all original documents with my signature to me for my verification. In which all accounts were deleted from my Experian credit report. This has left me with no credit rating at all. my credit report says I don't have a credit rating, It is XXXX. I contacted in XX/XX/XXXX by phone and I was told that I was reported as deceased. I asked for someone could explain to me why would I been reported deceased for asking for verification of documents. No one would give me a answer at first, then I told that someone from Experian contact me to fix the problem. 
It is now XX/XX/XXXX and I have not been contacted or can anyone explain why was I reported to be deceased. This is critical to fixing my credit. I have been a victim of identity theft before, now I believe that I am being victimized by Experian also.

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 2018-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
This account was disputed and deleted off of my XXXX report on XXXX XXXX as a result of not being verified as my debt. It was also disputed on XX/XX/2018 on XXXX and was deleted XX/XX/2018 on XXXX as a result of not being my debt. The account balance of the debt is {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Stop trying to profit off the consumer. I in no way had a contract with 2 companies. XXXX XXXX needs to prove they bought the debt with a bill of sale and contract on XX/XX/2017. XXXX XXXX needs to identity they are still the true owners of this account. You charged it off so did you sell it? If you sold it to XXXX then you cant collect 2 x. 

Fix my report. You don't understand when a consumer loses their job, you try to damage them even more. You have to produce proof of ownership. If you own it then update my credit report to reflect original creditor date. I had a contract and you can not change the contract terms. 

You've paid off 0 % of your collection amount. 
Balance {$590.00} Highest Balance {$590.00} Opened XX/XX/2017 ( 1 yr, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( 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 2018-09-18 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: Malen & Associates, p.c.
State: NY

Complaint narrative:
I spoke to Malen & Associates for my XXXX XXXX credit account that I have court payment agreement to pay {$40.00} a month. The lawyer at Malen received a prior complaint, however, he wasn't willing to negotiate removal of the charge-off. I have a payment agreement and I want my credit report to show I'm paying the debt and its no longer a charge-off. He refused. 

In all fairness, I am doing my part to rectify the payment of the debt. However, as a consumer, I want my credit report to reflect accuracy. ITS NO LONGER A CHARGE-OFF. Stop denying me my right to a fair report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
Trinity Hope Associates recently reported two medical collections on my credit report. Prior to the collection agency reporting the accounts ( which were paid by insurance ), I never received a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation
State: MT

Complaint narrative:
I requested verification of debt from another collection company in XXXX. I answered a summons and plead not guilty, as they would not provide me with verification of the debt. Regardless, my wages were garnished by this agency. I was not aware of another judgment attempt. I contacted them in XX/XX/XXXX requesting verification of the debt, but they told me that they had a legal garnishment and were not sure that they would be able to find verification of the debt. They did state that it is for XXXXXXXX XXXX. That information did not have any meaning to me. I filed a complaint with the CFPB and Montana Attorney General XX/XX/XXXX. All communication stopped at that time, so I believed the issue had been resolved. They now phoned me on XX/XX/XXXX and stated that they have a judgment through XXXX. I believe the debt is not only not mine, but also past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX keeps calling me for a debt I do not owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for a credit line increase with my existing United Chase credit card. I was denied an increase because of failure to pay past debt with Chase from XX/XX/2008. That is perfectly understandable, but that information was not obtained from my credit report it came from WITHIN Chase. Reason is that it DOES NOT exist on any of the three credit reports. With that said I understood from when I asked for the increase that a inquiry by Chase in to my credit report was granted by me when asking for the credit line increase. But what I feel is completely wrong is that they took two credit reports one from XXXX and on from XXXX. Needless to say they needed NEITHER report because they based their decision by the information Chase had with in house from me having past debt with them. I am not complaining that I was turned down for an increase nor am I complaining there was a credit report taken. I understand the process. What I am upset about is that they took two reports one from two different companies. I asked them to withdraw just one of  them and all I got was double talk that they are ONLY CONSIDERED one report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian refused to remove a debt reported by XXXX XXXX and provide me with details about the claim. This claim was removed by XXXX and 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 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
On or about XXXX XXXX I asked XXXX XXXX to send me XXXX checks as I only had one check left in my XXXX XXXX checking account. I learned to from Schwab employees that my checking account had been closed! This without my authorization or knowledge! XXXX from Charles Schwab brokerage called late this morning to tell me that BOTH my checking account and my brokerage account had been closed! He told me, " This is a Schwab mistake ''! He said that my two accounts would be restored. 

Why though were my brokerage and checking accounts closed? 

Who closed them? 

Why did Charles Schwab employee XXXX repeatedly tell me my checking account was closed by me when I repeatedly told him that I had not closed it? 

How confident can I be that this will not happen again? 

How confident can other Charles Schwab Bank customers be that this will not happen to them? 

This is a scandal and not just a " mistake ''!

Company response to consumer: Closed with non-monetary relief