vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have over the last few months have had several withdrawals from my account by XXXX XXXX  XXXX CA. I have a son that's in college and told me to use this service to send him money. I did but I noticed every time after I sent him the money they would take out way more than was sent to him and what I authorized so I started to email and call XXXX XXXX XXXX and I was getting no where. Emails would be sent back to me stating that they were researching but they never did anything. You can not contact these people everything is electronic. So I finally just went online to my bank account and started o dispute the charges with my bank account last month. The last few weeks PNC Bank has started to reverse the provisional credits that they had given me for these charges giving me a the reason that the they are unable to research and or dispute outside or sorry third party vendor disputes and that I have to dispute directly with XXXX. I told them I tried for over a month and this is alot of money that has been taken out of my account they basically stayed on their script. They should it is nothing that they could do it is bank policy it will be denied and all the others will be denied. They basically told me that sorry we are not going to help you figure it out on your own, I have run out of options. I need this to be resolved I need my money back in my account because now my accounts sit in a negative balance. The charges that I am disputing are as follows : XX/XX/2019 {$160.00} taken from my account should have only been {$40.00}, XX/XX/2019 {$230.00} taken from my account should have only been {$20.00}, XX/XX/2019 {$600.00} taken from my account should have only been {$60.00}, XX/XX/2019 {$400.00} was taken from my account should have only been {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: NE

Complaint narrative:
I DISCOVER ON MY BANK STATEMENT, THAT THERE HAS BEEN A NUMBER OF WITHDRAWS THAT ADDED UP TO {$150.00} FROM MY DIRECT EXPRESS DEBIT CARD, FOR XXXX XXXX ACCOUNT THE WITHDRAWS STARTED BACK IN XXXX, I DID HAVE AN ACCOUNT AT THAT TIME FOR MY GRANDSON, THAT LIVE WITH ME, ONCE HE MOVED OUT XX/XX/XXXX XXXX HAS BEEN NO XXXX IN MY HOME, I HAVE CALL TO VERIFY THAT MY XXXX XXXX WAS CANCEL, I DO HAVE DOCUMENTATION FROM XXXX XXXX DEPARTMENT THAT THERE WAS NO ACCOUNT FOR A XXXX XXXX SUBSCRIPTION USING MY DEBIT CARD! I HAVE BEEN CALLING THIS DIRECT EXPRESS FRAUD SERVICES FOR TWO DAYS AROUND THE CLOCK, SITTING HOLDING ON FOR REPRESENTATIVE IN THE LEVEL 2 DEPARTMENT, NO ONE NEVER ANSWER THE PHONE THEN THE  OPERATOR SAIDS CALL BACK ANOTHER TIME!! I CALLED ON XX/XX/XXXX XXXX TO DISPUTE THESE CHARGES I DID FILL OUT THE DISPUTE FORM IN A TIMELY MANNER. I RETURN TO THE DIRECT EXPRESS FRAUD UNIT!!! ON XX/XX/XXXX I GOT A LETTER SAYING THAT I DID NOT REPORT THIS IN A TIMELY MANNER! WHICH IS NOT TRUE BECAUSE FROM XX/XX/XXXX UNTIL XXXX I HAVE BEEN SO SICK FIGHTING XXXX XXXX & XXXX AT THE SAME TIME! I WAS NOT ABLE TO TAKE CARE OF MY BILLS!!! DIRECT EXPRESS STOP SENDING MY STATEMENT BECAUSE THEY STARTED TO CHARGE A XXXX CENT FEE FOR MY STATEMENTS! I DO HAVE PROOF, THAT I CALL DIRECT EXPRESS IN XX/XX/XXXX WHEN I NOTICE THIS XXXX DATING ALL THE WAY BACK TO XXXX!!! THIS IS MY MONTHLY XXXX CHECK!!!! I DO -NOT OWN A XXXX! I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX LIVE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended the vocational school from XXXX - XXXX. I was told that it was an accredited school so I took out a loan to cover the tuition. I believe the estimated cost of the school at the time was {$30000.00}. There were 8 semesters over the course of 2 years. I've only received one refund over the course of two years and it was only because I went down the registrar 's office to inquire. I received my only refund in my 8th semester. I graduated shortly afterward when I had heard the FBI had closed the school down for illegal activity. Some time had passed and I received a letter in the mail regarding a class action lawsuit.  Unfortunately, by the time I discovered the letter I had missed the window to participate in the lawsuit. Not mention, when I tried to pursue another degree, I found out my degree from XXXX XXXX XXXX was not accepted by any college or university I applied to. I had to start completely over meanwhile, years of interest accrued for an education I feel has caused a questionable amount of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have been communicating with my bank, XXXX, because paypal has been making unauthorized withdrawals from my account. XXXX took care of this fraud and had the money returned. 

They also notified me on XXXX XX/XX/2019 that paypal had set up a " recurring monthly charge '' of over {$400.00} from my XXXX acount WITHOUT AUTHORIZATION OR PERMISSION. XXXX has set up an automatic debit stop payment since I never, ever transferred money TO paypal from my account. 

I did not know paypal had done this. I never gave them consent or authorization to take money from my XXXX account. Because XXXX has restored the money fraudulently taken and put a stop payment on them, paypal is trying to say I owe THEM money and my account with them has a negative balance! 

This is wrong since I had about {$160.00} in my paypal account BEFORE they tried stealing money with the unauthorized automatic debit. 

I have tried repeatedly to get someone assigned to this matter to communicate with me to resolve it, and paypal has steadfastly ignored my every request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX 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 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I sent certified mail a letter to Midland Credit Management asking them to validate debt and to sent additional information I requested in my letter 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims been made by any creditor regarding this account. 4. Any Judgments obtained by any creditor regarding this account. 5.  Name and address of alleged creditor. 6. Name on file of alleged debtor. 7. Alleged account number. 8.  Address on file for alleged debtor. 9. Amount of alleged debt. 10. Date this alleged debt became payable. 11. Date of original charge off or delinquency. 12. Verification that this debt was assigned or sold to collector. 13. Complete accounting of alleged debt. 14. Commission for debt collector if collection efforts are successful. On XX/XX/XXXX I received a response stating they have their account notes and found their information to be correct. They have failed to validate this debt under the FDCPA and are reporting false information to all three credit reporting agencies. They claim this debt was sold to them on XX/XX/XXXX but according to my credit report they are reporting it was placed for collection XX/XX/XXXX. Even their reporting dates are incorrect. On XX/XX/XXXX I sent them certified maill a letter notice of their failure to validate debt. You have not provided a signed contract showing my liability by corresponding my Social Security with my signature. They have not shown me the agreement with their client ( XXXX XXXX  ) that grants them the authority to collect on this alleged debt. They have yet to respond to that letter. They are reporting to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: PA

Complaint narrative:
Per KEYBANKs response : KeyBanks records do reflect that you applied to refinance the Account in XX/XX/XXXX. That interaction does not reflect there being a conversation around a Conversion Option. However, if your intention at the time was to exercise a Conversion Option, we regret that topic was not discussed with you at that time. 

Their regrets above are not accepted. 

I spoke to the employee at the Branch who handled this transaction prior to filing this complaint and she ADMITTED not knowing the procedure and mistakenly sending me to refinance back in XX/XX/XXXX,  when it should have been handled as a CONVERSION - NOT a refinance. Your customer notes have holes in them. Had she handled the procedure properly, we should now have a A 13-year loan instead of a 15. As of our discussion in XX/XX/XXXX - the same employee also stated to me that she DID NOT KNOW HOW THE MANAGER AT THE XXXX BRANCH DID IT and would have to call him to find out. 

We do not accept your attempt to do a half baked correction saving yourself money. 

The loan should be retroactively converted to a fixed rate as of the time I requested it in XX/XX/XXXX. It is not my problem your employee was NOT TRAINED PROPERLY TO SERVICE CONVERSION REQUESTS, nor is it my concern that your notes are incomplete because the employee was not trained properly. 

ALSO your official letter to me, XXXX, misstates our loan terms as 240 or TWO HUNDRED AND FORTY MONTHS. It is A 15-year loan!!! That is 180 months!!! 
How am I to trust Key if you cant even get my LOAN TERMS CORRECT in an official response to a CFPB complaint? 
Please respond immediately. Your check for {$640.00} is not an adequate correction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have had incidents of ID fraud in the past, between the years of XXXX and XXXX. 
Equifax : XXXX XXXX XXXX ( XXXX ) Date open : XX/XX/XXXX High Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX ( XXXX ) Date open : XX/XX/XXXX High Balance {$570.00} XXXX Both items where included in the police report, which I have attached to this complaint, and included in the FTC affidavit, which is also accompanying this complaint. The creditors requested that I get a police report before they would even speak to me about said accounts. I have produced all documents required to clear this issue and yet these items continue to reflect negatively on my credit rating. These accounts where not opened by me, and most be removed immediately. Both accounts where open in XXXX of XXXX seems very strange to me that these items appeared in the same month same year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix 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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix 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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX   XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX  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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX   XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX 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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I pulled my experian credit report on XX/XX/2019 to take a look at it, I noticed inquiries that i don't recognize on my experian credit report. the 1st one is XXXX on XX/XX/2018, XXXX XXXX XXXX on XX/XX/2019,  XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX again on XX/XX/2019. please remove these inquiries asap off of my credit report, and mail me a updated credit report as soon as they are off my credit report.

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 2019-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I contacted Fedloan Servicing after noticing that according to my statements, none of my payments have been credited towards the PSLF program. This has been going for about the past 6 months or so. Fedloan Servicing says they have applied payments, despite there being record of doing so.

Also, about three weeks ago I faxed in my PSLF form to renew/verify my employment status does qualify under the PSLF program. However FedLoan Service recently sent me a message that stated my Employment is Not Certified for PSLF.

I've tried logging into my account, however I keep getting an error message that I've been logged out of my account. I've tried resetting the username and password, but I continue to get the same error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX****, 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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX  XXXX XXXX, XXXX XXXX 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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX ( Original Creditor : 07 XXXX  XXXX XXXX XXXX  ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : 11 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 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted an application for a Wells Fargo checking account online and entered all of my information accurately. My application reference number is XXXX. Wells Fargo never followed up and refused to open an account as requested due to unknown reasons.

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