vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 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 opened a credit card account with XXXX XXXX XXXX  about a year ago. They never once sent me a billing statement. I have had phone conversations with them almost monthly since the first billing cycle explaining that Im not receiving statements the represtaives I spoke with told me the late fees would be removed and that I wouldnt need to make another payment for two Months, yet I would receive a call the next month stating again my payment was past due. Again I explained that I have not received a statement and I made a payment on the phone with the representative who said the late fees would be waive and they would send me my statements. I have spoken with serveral supervisors who said they would 1 resolve the issue 2 remove my late fees and 3 remove the late payment remark from my credit report which has not been done. When I called back to speak with the supervisor who I spoke to in XX/XX/XXXX who had said he would correct the issues and then failed to contact me with the result, I was told by the XXXX XXXX  rep that they would not allow me to speak with him. recently I was finally able to get XXXX XXXX  corporate office to fax me all of my statements which showed a total of {$190.00} in fees that they have charged me and are now refusing to remove they are also refusing to remove the remarks on my credit report unless I pay the balance which includes {$190.00} in fees that should have been removed due to the fact that they never once sent me a bill. This practice is very unethical. I appreciate any help in resolving this issue

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 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX receive medical treatment at : Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1100.00} === {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX I paid my co-pay and XXXX XXXX Paid the XXXX XXXX {$1100.00}. I resigned from my federal job in XX/XX/XXXX. In XXXX I got a letter from collection agency for {$1100.00}. I went to the clinic to find out why they sent me to collection agency. They stated the claim was paid but charged back by XXXX XXXX. I called XXXX XXXX who stated they charged back the payment when they received notice that I resigned dated XX/XX/XXXX which triggered the charge back. I called XXXX, my previous employer about the wrong date and they corrected the date and sent it back to XXXX XXXX. I was instructed to tell the clinic to resubmit the claim for payment again because XXXX XXXX can not repay the claim until the clinic request repayment. 

The clinic office manager stated the doctor that worked at that time is no longer there and company policy will not allow them to reprocess the claim. I submitted a dispute and the reason twice to Experian and each time they refused to verify with the clinic. 

The only result I want is for the collection to be removed from my credit. Its their right to decide not to process the claim but when they refuse to do so and XXXX XXXX is willing to pay the claim. That is there decision not to get paid. I ask that your agency call the clinic and request from them to remove the account from collection and suggest they change their policy and refile the claim.

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 2019-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I assumed this loan for my daughter. When she graduated she never found employment in her degree/field. I had to support her while she tried for several years to find work in her degree. I have paid on this loan as best I could having to move from place to place 6-12 months consecutively with another move due to a sale of current household in XX/XX/2019. 

She finally took a XXXX job but still needed support due to low wages. I am retired with a Federal Retirement benefit and social security. Due to losing my house, my age XXXX and not driving I have had to move regularly incurring expenses and defaulted for a time during these moves. 

I would like to work with someone for a normal monthly payment yet have been put on hold for more than an hour and now having my social security and federal retirement garnished and told conflicting information on my retirement and payment plans. 

Relief would be desirable yet with no judgement against me my retirement will be garnished leaving me with barely a livable wage. My daughter graduated almost 10 years ago and still doesn't work in her selected field and still works for a bit more than minimum wage. I would still be helping pay her rent has she not found a low income apartment.

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 2019-02-22 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: NY

Complaint narrative:
This is a company called XXXX XXXX claim I owe them {$460.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$460.00}. I never signed anything. This is fraud.

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 2019-02-22 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: NY

Complaint narrative:
This is a company called XXXX XXXX claim I owe them {$460.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$460.00}. I never signed anything. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This is a company called Portfolio Recovery claim I owe them {$450.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$450.00} I never signed anything. This is fraud. They say they are working with XXXX XXXX I have no idea what they are talking about as this was fraud and never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
on XX/XX/XXXX applied for XXXX mortgage with Bank of America to refinance my home onXXXX XXXX  with a Land lease for XXXX years. I was told that as long as the duration of the lease exceeded the length of the mortgage there would be no problem. I was assigned a person to assist me with all documentation which I supplied, paid a fee of XXXX $ and was approved with a closing dat set for on or before XX/XX/XXXX. Today I received a phone call informing me that the loan had been rescinded over the XXXX XXXX issue. From day one the bank knew my status and also knew that I had been turned down by XXXX XXXX because of the XXXX XXXX issue but unlike BofA, XXXX XXXX took 24 hrs to give me the information. I had innumerable conversations with my BofA representative none of which led me to believe that I would be turned down at the eleventh hour. I think the bank is guilty of misleading consumers and deceptive business practices and should be held accountable.

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 2019-02-22 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I had 3 fraudulent charges placed on my account on XX/XX//2019 in the total sum of {$740.00}. I received a notification from the bank, Barclays, about unusual activity, so I immediately called Barclays. They agreed to dispute the charge and send me a new card. I received the new card, but Barclays then told me that their investigation showed the card 's chip was used in the transaction, so they believed I used the card and refused to remove the fraudulent charges. I called them two times and was told the same thing both times.

However, two other credit cards of mine from different companies were also used for fraudulent activity on XX/XX//2019 during the same time period, but the other two banks, XXXX XXXX and XXXX, both removed the fraudulent charges without issue.

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 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
Online information appeared on my credit report, I never seen or heard of company in my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 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: NY

Complaint narrative:
This is a company called XXXX XXXX claim I owe them {$450.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$450.00} I never signed anything. This is fraud. They say they are working with XXXX  XXXX I have no idea what they are talking about as this was fraud and never authorized by 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 2019-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is a company called XXXX XXXX claim I owe them {$450.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$450.00} I never signed anything. This is fraud. They say they are working with capital one I have no idea what they are talking about as this was fraud and never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
Southern Credit Recovery stated that collections were be pursued against me for XXXX medical bills that were done by someone who committed identity theft. These XXXX collections started being pursued on XX/XX/2016 and XX/XX/2016. Southern Credit recovery were notified that I have never been hospitalized for 30 years of my life and was a victim of id theft with numerous accounts being opened in my name, They refused to help me resolve this matter and has been ignoring me for XXXX years, That has been more than enough time for them investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
I received a call from a friend in Hawaii who advised me that some named XXXX XXXX representing himself from Direct Recovery Services at XXXX left her a message on her voicemail regarding a so-called debt collection and named me as the debtor. On her voicemail, XXXX XXXX shared account information on the recording. My friend has sent me recording. 

Not knowing what this was about but calling Direct Recovery Services out of concern, I got a female representative who was very rude. I asked her if it's legal for them to leave account information on a 3rd parties voicemail and she said yes. She attempted to say additional things in which I did not hear and when I asked if she could repeat what she said because I had not heard the last part of what she was saying clearly, she asked I needed any additional help but never repeated what she said as I asked, then she had stated she had another call holding and she hung up the phone on me. 

I didn't appreciate how this entire situation has been handled and I'm still not clear on what this is even about. I don't even think I have a debt with this agency and I believe they are committing fraudulent acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Portfolio Recovery, LLC
State: OH

Complaint narrative:
The company is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. A few years ago they started sending me letters and calling me about a previous debt, now from over 15 years ago, that I did pay off. In their letters to me, they gave a website and postal address to let them know to stop contacting me. I used the online method first, got a response that I would not hear from them again. About a year later, started receiving letters, wrote them a letter that time, again received a response they would no longer contact me. That was about 3 years ago, have not heard anything. Threw out their letters months ago. Now the letters have started again. Called their XXXX #, talked to an XXXX ( she refused to spell it ) XXXX. She said she would stop the harassment, I obviously do not believe her. I want this to stop immediately with no other contact with me again.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am currently going through a mortgage process and made the unfortunate mistake of mailing out a " good will '' letter to Capital One on XX/XX/18 asking them to consider removing some late pays they had reported last year. On XX/XX/18 I received a credit alert stating negative remarks were added to my credit reports for my closed Capital One card. When reviewing the marks it stated " consumer disputes after resolution. '' First off I NEVER disputed anything. I took full responsibility for my late pays in my letter. Any competent person reading this letter would have understood it was a simple request and could easily have been answered by a yes or a no. I have called Capital One and been met with ridiculous reason as to why they can't remove the dispute language on my report and that I need to contact the 3 bureaus instead. I've contacted all 3 credit bureaus 3 separate times and had the remarks removed with ease. It is not the credit bureaus issue. It is a Capital One issue because they keep reporting my account each month as under dispute. 

This company has caused my lenders to have to run my credit far more times than necessary lowering it each time! This is because I can not have an open dispute when getting a mortgage and they now need to make sure the dispute is removed. Capital One is literally costing me thousands of dollars which will reflect over the life of my mortgage loan! 

I have literally tried every which way to contact somebody from Capital One, even their XXXX handle which is insane. A consumer should not have to contact a company 10+ times to correct an error made by their staff. They need to remove the dispute remarks on this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I received a XXXX APR promotion from PNC for my credit card account. I wrote a check to myself in order to consolidate my credit card bills and went to a PNC branch on XX/XX/2019 to deposit the funds in the amount of {$7700.00}. Funds posted to my account today XX/XX/2019 in the XXXX. I went to pay a bill and at th end of business and PNC reversed the funds and withdrew from my account after it deposited!!!!! Not only did PNC not notify me I almost bounced my checking account due to their negligence. If PNC needed to place the funds on hold from a Regulation CC the bank should have put the funds in a pending status only and not deposited the funds. I called PNC customer service to find out what happened. The PNC credit card department stated they couldnt see anything in my account and to return to the branch which is unacceptable. Removing deposited cleared funds not only is a terrible practice it is a UDAPP violation against me as they potentially caused overdrafts fees on my end for insufficient funds. This is not only unfair but PNC didnt even advise me. Talk about a bait and switch situation. I am looking for asssitance from the CFPB on this matter and no one could assist me today since the branch is closed and apparently when you have escalations such as these no one is there to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Have tried to remove a security lock on my Equifax credit file but after countless hours on the phone they have not figured out why they can not unlock my credit file. They claim its a technical error but my Equifax has a lock on it and it can not be unlocked so my mortgage lenders can pull my credit for me to obtain a mortgage. 

Equifax transfers me from person to person, department to department and no one can fix my problem. Im attempting to get a mortgage and need my Equifax report to be unlocked. This is debilitating for me as a consumer. Very unprofessional staff - nobody seems to know what they are doing at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: SC

Complaint narrative:
I have notified all 3 credit reporting bureaus of my formal dispute of the same account appearing on my reports 10 different times totaling {$570000.00}. These accounts do not belong to me. I notified XXXX XXXXXXXX 3 different time through signature required service receipts separately attached. Disputes were sent on XX/XX/2016, XX/XX/2016, XX/XX/2016 all requesting for required verification and supporting documentation under the rule and guidelines of both the FDCPA and the FCRA. All 3 times XXXX  XXXX violated Federal law. Further none of the information meets the required standard of Section 609 ( a ) ( 1 ) : Information to be disclosed. Advisory opinion to XXXX XXXX stating, " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OH

Complaint narrative:
XXXX XXXX stated and made a negative derogatory claim on my credit report of {$560.00} owed to XXXX XXXX XXXX phone company. I have paid my balance that I owed XXXX XXXX XXXX on XX/XX/XXXX and confirmed it with XXXX XXXX XXXX, they also sent me an email confirming I owe nothing on that account. I have talk to enhanced recovery back in XX/XX/XXXX and was suppose to have all this situated and resolved. As of XX/XX/XXXX when me and my wife talked to enhanced recovery collections they said that we still owe the {$560.00} according to their records and that we only called one time in XX/XX/XXXX. This is false and will release all my phone logs to prove differently. When we spoke to XXXX XXXX XXXX in XX/XX/XXXX they sent out to the XXXX XXXX  that our debt was paid in full and XXXX XXXX   seems to ignore this. You can not talk to them because all they do is repeate the sentence over and over regardless of the validity of information you have. This issue has killed my credit score, and  prevented me to make it better over the past year. Something needs done I can not keep having this stress in my life when I do not owe Anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation