vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX, a company I rent office space from, charged me {$370.00} on XX/XX/2019 and {$260.00} on XX/XX/2019 for use of the copy/printer. I believed the copy/printer was included in the rent as they did not state that it wasn't and no where in their House Rules, Terms and Conditions or in my contract does it state the copier/printer was an added fee and no where does it state what those added fees are. Due to XXXX charging me for the use of their printer and not disclosing to me the fees for the use of the printer I attempted to dispute these charges with PNC bank which my business credit card is under. XXXX automatically charges me each month and when I saw the additional charge in XXXX I mistakenly assumed it was for my other office space that I was renting from them. When I received my XXXX invoice I realized the additional charges were for the printer use and not for my other office space. I contacted PNC in XXXX about these printer charges to see what could be done as XXXX was not helpful in resolving this issue with me. PNC told me they would investigate. No one from PNC called back and I never received anything in the mail. A couple months went by and I realized nothing had been resolved about these charges. I called PNC and was told the case was closed out and everything was resolved. XXXX had double charged me for rent in XXXX as an accident and PNC thought this was the charge I was referring to and said it was refunded and closed the case out. Additionally, I never received any mail regarding this decision. I refiled dispute cases against both these printer charges in the first week of XXXX. I provided PNC with the invoices with the printer fees and a copy of XXXX 's house rules, terms and conditions and my contract showing that in none of these documents is the printer mentioned as being an additional cost and no document stated what the printer costs were. PNC closed my dispute cases against these charges at the beginning of XXXX stating that they did not see anything wrong with these charges even though the documentation I provided to them clearly did not list the printer as being an added cost nor do any of the documents show what the printer costs are. PNC also told me it was too late for me to dispute these charges but I did attempt to dispute them in XX/XX/2019. PNC did not handle the situation correctly and closed it out. I feel that PNC has handled this dispute improperly from the beginning and I am just getting the run around from them and they made it clear they are not going to help me. This is now going on 6 months where this issue is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: WI

Complaint narrative:
I submitted what i felt was ample support to dispute XXXX / XXXX XXXX {$560.00} XX/XX/2020 I do not know it unauthorized I also contacted XXXX   XXXX XXXX XXXX as fraud error I do not recall these charges fraud unauthorized I now have IdentityTheft.gov assoting and submit follow up to Credit reporting services Experian 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 2020-05-08 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: CITIBANK, N.A.
State: IL

Complaint narrative:
My credit report has not been updated since XX/XX/2020 for XXXX. It states that I still have a balance of {$440.00} when I currently have XXXX balance. 
I have contact the company of numerous occasions and nothing has been updated.

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 2020-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I tried signing in to my bank of America account and it said I can't access online banking and it said to call a number and I did they told me my business checking account is being closed and I asked why they said when I signed my contract it said that bank of America doesn't need to give me details of the closure of my account and the funny thing is I opened the account a couple days before the incident and haven't received my actual card yet I asked if they can reverse the closure and they said no and it final.

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 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was contacted by Resurgent Capital Services regarding an account that is NOT mine in XXXX ( XXXX XXXX ). In XX/XX/XXXX, after I disputed the debt, Resurgent told me, in writing, the account was closed and I would NOT hear from Resurgent or any of its affiliates again regarding the account. Then In XXXX of XXXX I get another collection from Resurgent for that same account ( which apparently could NOT be properly validated the when I disputed in in circa XX/XX/XXXX ). In addition to a collection letter, I also received a " account summary report '', presumably to serve as validation of the purported debt. However, this report was prepared in house, and admittedly based solely on information provided by a third party - not the original creditor. Such in house report prepared XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a number of accounts I have disputed on my XXXX credit report and they come back with the results telling me they have been deleted from my report but when I search the report again a few week later or a month later and guess what? I have a new collection account - that same account I just had removed! 

Is this at all legal? Why do we take the time to document, create a dispute to have an entry investigated, then removed to only have it put back on the next time around. 

It will beat someone down after the XXXX or XXXX time!

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 2020-05-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a number of accounts I have disputed on my XXXX credit report and they come back with the results telling me they have been deleted from my report but when I search the report again a few week later or a month later and guess what? I have a new collection account - that same account I just had removed! 

Is this at all legal? Why do we take the time to document, create a dispute to have an entry investigated, then removed to only have it put back on the next time around. 

It will beat someone down after the XXXX or XXXX time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
I deposited my income check on XX/XX/2020 at XXXX at a bank branch ATM. There was no disclosure that they would place a hold on my account. This has negatively affected me. I am not able to pay my bills, go grocery shopping, etc. I am now going to incur late fees due to this. 

I called into the bank to find out when my check will be released and they stated by XX/XX/2020. This is unacceptable. There should have been a disclosure on the ATM machine. There should have been disclosure on my receipt. Nothing. Not one thing in writing giving me an option to not deposit the check and taking it to the bank on the check to cash. If I would have been given this option, it would have avoided hundreds of dollars in late fees. 

Co-America Bank should be required to give dates of release and notification that a check will be placed on hold. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: TX

Complaint narrative:
I have a number of accounts I have disputed on my Experian credit report and they come back with the results telling me they have been deleted from my report but when I search the report again a few week later or a month later and guess what? I have a new collection account - that same account I just had removed! 

Is this at all legal? Why do we take the time to document, create a dispute to have an entry investigated, then removed to only have it put back on the next time around. 

It will beat someone down after the 4th or 5th time!

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 2020-05-09 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
The Car was involved in a car accident, how however the vehicle was partial pay off they had over charge with high interest balance in put in on my credit, showing that I was 120 days in which my insurance given them a settle amount already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
About a month ago upon checking my credit report I noticed a collection from a collection agency called Transworld Systems was on my credit report. I attempted to contact the debt collectors on several occasions requesting in writing a verification of how and why do I owe {$1200.00}. On XX/XX/XXXX I contacted the agency for the second time with the same request and on XX/XX/XXXX the agency called me back asking about payment I again requested in writing an explanation of the debt. The agency stated that they would have contact the original creditor and send me out a statement and then said or I can pay the bill in full. 
I again contacted Transworld systems by phone on XX/XX/2020 inquiring about the written date or bill again they told me that there was nothing they can do and they have requested a summary from the original creditor XXXX XXXX XXXX I insisted that I needed to clear this issue up as soon as possible to no avail, they kept telling me the same thing over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: CA

Complaint narrative:
My complaint is against Experian. I paid off a collection account that was delinquent in XX/XX/XXXX and I sent the proof that I received from the creditor to Experian. Experian stated that they reached out to the creditor and determined that the debt was correct and they would not update the information. I contacted the creditor and they stated that not once did experian contact them regarding my dispute inquiry. I have contacted experian and have proof of contact on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request experian correctly look into my dispute. The amount of the debt I owed and paid in full was {$4300.00}. I contacted experian to request that they make the adjustment on my credit report to reflect the collection account was paid. Each time I contacted experian I sent proof from the creditor that the debt was paid in full. Experian has replied each time with the following statment " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ''

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 2020-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
THIS WAS AN XXXX XXXX  PHONE THAT HAD INACCURATE INFORMATION STATING THAT THERE WAS A BALANCE IN WHICH THERE WAS NOTHING OWN ON THE PASS OLD ACCOUNT, IN WHICH WAS A XXXX BALANCE, THIS CREDIT COMPANY HAS HARASS ME WITH FALSE INFORMATION.COMPANY NAME IS SEQUIUM ASSET SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX PHONE NUMBER XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filling a complaint against Capital One Bank. They are in violation of the Fair Debt Collection Practice Act section 807-8. They have no competent evidence bearing my signature showing I am obligated to pay debt in the amount of XXXX which they are reporting to the credit bureaus I owe to their company. 
In addition they are in violation of the Fair Credit Reporting Act section 623-b for defamation, negligent enablement of identity fraud violation by claiming I am responsible for a debt in which in XXXX  they approved an online credit card account which had not been used in years however in XXXX they sent me a letter stating some fraudulent charges were placed on the credit card account. They had credited back to my account the fraudulent charges made and would be mailing me out another card the card ending in XXXXThe card ending in XXXX is a card I never received. Therefore I am disputing charges placed on this card and the original card as invalid and not belonging to me. 
In addition they are attempting to collect money from funds which are exempt from collection,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
To whom it may concern : I have been trying to get a refund in the amount of {$4600.00} from XXXX XXXX XXXX XXXX for booking # XXXX. Sailing date was supposed to be XX/XX/2020via XXXX out of XXXX, FL. Trip was cancelled due to Covid-19 per CDC and US Dept of State 's no sail / travel order. 
XXXX sent by email an option for 100 % refund, which I requested on XX/XX/2020. 

XX/XX/2020 - I filed disputes related with Citi credit card for all XXXX charges because I was fearful XXXX wasn't going to refund. Citi is investigating ( note that all charges concerning trip were paid off in full late XX/XX/2020 ), but, now it appears they ( Citi ) are holding my money. 

XX/XX/2020 - the only charge that was made from my personal checking account to XXXX for a spa treatment for my significant other was refunded in the amount of {$79.00}. This tells me they ( XXXX ) are in the act of refunding. I then called XXXX and they gave me itemized list via phone for all charges and said they were refunded late XX/XX/2020 early XX/XX/2020. The representative also told me that the bank ( Citi ) was now supposed to be streamlining this process. I am currently trying to get proof of refund from XXXX through documentation. 
Citi said they have received no payment from XXXX 's bank and I am hearing the same thing over and over from them ( I have 15 pages of documentation of correspondence through Cit 's messenger app. ) I have contacted XXXX XXXX XXXX XXXX, Citi, US DOJ, South Carolina Attorney General, and CFPB.

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 2020-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a new Capital One credit card with a 0 % APR back in XXXX. I have used the card for many months, only making the minimum payment in order to avoid interest, and noticed last month that I was nearing the end of the promo time period. I called in to Capital One customer service and spoke with a representative who mentioned that as long as the total balance is paid by XXXX that NO interest would be charged on my account. On XX/XX/XXXX, there was interest charged to my account in the amount of {$140.00}, so I reached out to customer service for a response. I was transferred to a Senior Supervisor ( XXXX - XXXX ) who informed me that they could not help me in any way. XXXX also said that they are not responsible for what answers customer service provides about accounts. He informed me whether right or wrong, they do not stand by what answers customer service provides.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I contacted my current mortgage company, Flagstar Bank, in late XXXX to inquire about their forbearance plan and whether or not I qualified due to the COVID-19 Hardship. They confirmed that I did, and sent me a letter confirming this information stating that my payment would be deferred for a period of 6 months ( XXXX - XXXX, 2020 ). I was told and assured that there would be no negative impact to my credit report during this period and that there would be no late payments reported during the forbearance period. I received information earlier this week that Flagstar Bank indeed reported me late for my XXXX mortgage payment. I contacted them and they confirmed that this wasn't supposed to happen but that I had to dispute this, even thought they admitted that this should not have been reported. This is unacceptable that a company would go back on what they claimed as part of the forbearance plan.

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 2020-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
I INFORM COLLECTORS THAT I HAD 2 INSURANCE IN THAT IT WAS AN ERROR THESE BILLS WAS PAY BY MY INSURANCE CARRIER IN WHICH THEY ADMITTED THERE WAS LATE FEES IN WHICH I WAS NOT RESPONSIBLE FOR, THEY CONTINUE TO HARASSED ME REPEATEDLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
Below is my letter to my mortgage company that I e-mail to them on XX/XX/XXXX, to which they have not replied. I have called, but the automated system continued to kick me off the line. It is impossible to reach a live person on the phone. Best, XXXX XXXX RE : Loan # XXXX Dear SLS, I am writing to inform you of another error in your calculations. Please see the screen shot attached for verification. On XX/XX/XXXX, my principal balance was XXXX. On XX/XX/30, I made two payments. The first, was {$4500.00}, which brought my principal balance to XXXX. However, the second payment is not calculated correctly in my account ( see attached ). I made a {$1000.00} Payment to principal, which should have then brought my principal balance to XXXX. On, XX/XX/XXXX, I made another payment, of which XXXX should have been applied to the principal, which would have lowered my principal balance further to XXXX. Please check to see if this is correct. [ As of XX/XX/XXXX, my principal balance is listed as {$240000.00} ]. Please update our principal balance to the correct amount.

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