vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
My father was XXXX XXXX, and having a hard time managing his money. I was assigned to be a Financial Guardian for my father. This was a court appointed guardianship. In order to help my father manage his money, a checking and a savings account was opened in his name. I also signed the paperwork, although it was signed as the guardian of my father. The guardianship was later terminated by the courts. More than a year later, the savings account overdrafted. The bank sent the overdrafted account into collections. 

My dispute is that this account was opened for my father. The [ senior level ] banker who helped me open the account, was informed of the situation. The banker was aware that this account was to be my fathers account, although I would be managing the account for him. Once the guardianship was terminated, the bank account was still to be for my father, and I was no longer able to manage any funds for him. The account in collections should be against my father only, as this is his account because the guardianship no longer exists. 

I have tried explaining this to the bank, and they would not speak with me. They only sent the account to collections against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been requesting verification of the following account that Equifax continues to report on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax listed that XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. Also with the new law that was passed on XXXX XXXX, XXXX stated that beginning XXXX XXXX, public records data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follow : Minimum reporting of : Name, Address, and Social security number/ and or date of birth. Or Minimum frequency of courthouse visits to obtain newly filed and updated public records at least every 90. I contacted Equifax to provide the information and verify the account with the new law and have not received any correspondence to the law. 
On XXXX XXXX, XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XXXX XXXX, XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XXXX XXXX, XXXX, I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. She also stated that there is NO inquiry from Equifax or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
OnXX/XX/XXXX, I requested that Aargon Collection Agency validate debts reported on my credit report. The accounts are for {$750.00}, {$200.00}, and {$200.00}. As of today, XX/XX/XXXX, Aargon  Collection Agency has yet to verify these debts and is still reporting these debts to credit bureaus. I never received notice of these debts prior to them being reported to credit bureaus. I have no knowledge of these accounts.

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 2017-09-28 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Tried to put on a security freeze with Experian. They immediately asked for a credit card number, which I provided, then on the next screen - they said they were 'unable to put on the freeze ' and I would have to mail them {$5.00} and mail them my driver 's license and another proof of identity ( along with my SSN, etc. ). They have my SSN, and all of my information already, I do n't want to give them further information on me to store. On top of that - they charged my charge card when I did n't get anything! I have protested that charge. It is n't about the money - it is about this company making consumers upload or mail additional confidential information just to keep our information secure. I successfully put on credit freezes on the other two companies ( XXXX and XXXX ). It is only Experian that is refusing without gathering even more information ( which they probably have anyway ).

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 2017-09-28 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: PNC Bank N.A.
State: PA

Complaint narrative:
Last year, during the end of XXXX XXXX, I was scammed for an apartment sublet. The individual sent a check which PNC deposited into my account as spendable money by the next day. The individual did overpay me, and thus asked for a small amount back. I sent this through XXXX XXXX as a money order. Roughly six or seven days after the check was deposited, it bounced due to being a fake check. This overdrew my account. I worked with PNC to deposit money in order to get the account back to XXXX. During this time, I also filed a PA State Police report on the individual who sent the fake check, as well as reporting and receiving case numbers from both XXXX XXXX and the Federal Trade Commission. The account was set to XXXX and then closed. 

On XXXX/XXXX/XXXX, I attempted to open an account at a XXXX XXXX XXXX. However, after running my XXXX report, they declined me due to PNC closing my personal checking account under the category " Suspected Fraud Activity. '' PNC also claims in the report that " Any amounts owed have been paid. '' After finding out this information, I called PNC, and was redirected to multiple apartments, which then informed me that I owe for the XXXX XXXX transaction for XXXX that was made after my account was closed. This was due to them revoking a provisional credit given to me after I was scammed for that money. 

Not only does PNC claim I owe them money, while also attempting to " settle '' the amount, no one is able to provide a clear reason as to why the account was closed under that category and if the closure reason would be removed after I paid this " debt '' they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I filed a dispute with Equifax for multiple hard credit inquiries listed on my credit report that should have been counted as one that I authorized when purchasing an automobile. The dealership shopped around for the loan but did not tell me they would be doing this. XXXX and XXXX counted only XXXX inquiry but Equifax counted all XXXX separately that were made on the same day. Also several inquiries should have been removed after two years. Consequently these inquiries have adversely effected my Equifax Credit score. 
Also, my credit history on Equifax is shorter on this most recent report than the one dated in 2015 which showed two older accounts that would have significantly lengthen my credit history, Since credit history accounts for 10 % to 15 % of my credit score this too has had an adverse effect. I request help from CFPB is resolving these issues with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28 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: MN

Complaint narrative:
I have already addressed and no changes. This will now be the third time and I need some help. TransUnion has inaccurate data listed on my credit file. They have two names that do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX There are also several inaccurate accounts listed. I want this addressed, and the inaccurate data removed. ALL of it

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 2017-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weinberg Mediation Group LLC
State: FL

Complaint narrative:
on X/XX/17 at approximately XXXX XXXX, I received a call from XXXX ( from XXXX, AZ ). I did n't answer it and a message was left. The message said " This is a final courtesy call from the Weinberg Mediation Group before reporting that you have been uncooperative in the investigation against you I 'm extending you one last chance to contact our office if we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the parties involved our office number is XXXX when calling please have your file number ready. Thank you. '' I do n't owe any money aside from my credit cards and car lease, which I pay. This man who left the message sounded ominous and scary. He had a threatening tone and I do n't even know what he 's talking about. About 10 minutes prior to the call and the message being left, I received another call from XXXX ( North Dakota ). I 'm assuming both of those calls came from this " Weinberg Group. '' I did n't answer that one either and in that call, a message was not left. I blocked both those numbers and am filing this complaint, but I have a feeling they have plenty more numbers which they can call and harass me from. If they have the information they say they have, they can send me the information through the mail with actual information on it. They are not entitled to a fishing expedition and extortion tactics.

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 2017-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
In XXXX of XXXX I received a new credit card from Bank of America with an offer of a balance transfer for 0 % transaction fees and 0 % interest for 15 months. On XXXX XXXX I called and talked to a XXXX XXXX # XXXX and ask her if they would do a direct deposit into my account for the 0 % fee and 0 % apr. She then spoke to her manager XXXX XXXX and he approved this transaction. XXXX XXXX XXXX On XXXX.XXXXth when the billing statement came out I had been charged a transaction fee plus XXXX % interest. I called XXXX XXXX back multiple times and left messages, he never returned my calls. 

On XXXX. XXXX,XXXX I called and spoke to a XXXX who transfered me to her manager XXXX XXXX. XXXX He said per the notes on the account he would correct the problem and it would reflect on the XXXX billing statement. 

XXXX.XXXX,XXXX Billing statement did not show any change. 

XXXX.XXXX,XXXX Talked to a XXXX XXXX form XXXX , Pa.. XXXX spoke with her manager XXXX XXXX XXXX who said she would correct the problem within 7-10 business days and call me back. I did not hear from her and she has not returned any phone calls and my last message was that if I did not hear from her I was going to seek help from the Consumer Protection Bureau.
As of XXXX.XXXX,XXXX I have not heard from her and am seeking help from you. 

Thank you for your help.

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 2017-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MN

Complaint narrative:
I have disputed a couple times, this is an unknown account listed on my credit file. Requested validation and nothing has been received. Inaccurate information against me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I had made a sale on XXXX and the payment was processing!! The gentlemen that I had spoke to had stated I could ship the item to the buyer, as soon as the item was delivered the payment was canceled!! And now Im out a sum of XXXX I had made 6 calls to PayPal to get my money back and they keep giving me the run around and keep telling me every time that it will take 24-48 hours to complete!! Nothing in being done!! I want my {$96.00} back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: MN

Complaint narrative:
There is an account with a company called Stellar Recovery which is unknown. I have requested validation of this unknown account and nothing has been received. False and inaccurate data listed on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
After having an overdraft account to fund any pending overdraft charges, Huntington Bank has repeatedly charged my account such fees. I have spoken several times with a bank representative, " XXXX XXXX '' at the XXXX location. His direct number is XXXX. 
XXXX XXXX told me that he will speak to his bank Manager to get the funds back into my account, however, it has been three weeks. 
My account has been damaged due to these unauthorized charges. 
Any assistance to resolve this matter would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-28 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: OR

Complaint narrative:
On Thursday, XX/XX/XXXX one relative and one former roommate ( in XX/XX/XXXX ) received phone calls from XXXX. I have not received any written communication from this client or debt collector. Attached is a message left on one voicemail, the other call was picked up. I received a phone call but no message. Attached is the voicemail left on my relative 's answering machine. These calls happen weekly but the most recent was XX/XX/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 2017-09-28 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: GA

Complaint narrative:
Sent by certified mail on XXXX a dispute request to XXXX regarding some information that is being erroneously reported on my Bureau. I have requested several times that i be supplied with specific Method of Verification information as it relates to public records in my file. On XXXX i received an email stating that my disputes were pending outcome. On XXXX, i received an email from XXXX  saying there review was complete and that the information on the report was verified with the court and updated. I supplied XXXX with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. '' With their investigation, they did not supply me with specific information as i requested. Name of person spoken with, telephone number of said person, address, date of conversation. Nothing at all. I called Experian on XXXX to inquire about the investigation and spoke to a gentleman name XXXX from XXXX XXXX. He informed me that they could not send me the specific information regarding the method of verification and that a third party vendor that they use to gather the information does it in an automated fashion. That does not conform to the FCRA guidelines. He further stated i could not get any information as it pertains to that. I was told that i would get a call back from a supervisor so that he could explain to me why i was not going to get the information that i was requesting. Report number is 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 2017-09-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. The case is still ongoing, due to be discharged in XX/XX/XXXX. The case is XXXX. I keep getting harrassing phone calls threatening to sue me, ( I saved one of the voice mails ) and emails detailing how they are going to sue me and I am liable for attorney costs, and giving an amount. Even though I have repeatedly told them these debts are included in the bankruptcy, and even copied my attorney on the emails, they still keep contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. Well over 30 days have passed, and I still do n't have a response back from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
My mortgage company Penny Mac raised my mortgage an extra {$1000.00} a month due to incompetence on there part, they stated I had two parcels when I only have one and were charging me twice for property taxes that were part of another parcel and completely different address that I do not own. I have been back and forth with the company for the past several of days and was told numerous reasons why my mortgage was increased one of them being that my property taxes had increased and another reason being that my homeowners policy had also increased. My taxes and homeowners policy have not increased, the third representative that I spoke to today called my XXXX XXXX to clarify payments that had been made and that is when they found the error that they were charging me for someone else 's parcel/property taxes and overpaid basically charging me double the amount of what my property taxes should be.I would like to  make sure that this is rectified and corrected because unfortunately I can not trust this company. I have never missed a mortgage payment and have never made a late payment and I think this is disgusting the way the treat their customers and do not believe anything they tell me, I think that they are pocketing my money and hope they are not doing this to other innocent hard working people like myself. A full investigation should be considered and done regarding this matter and situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a investigation request to XXXX and Trans Union on XX/XX/XXXX. Well over 30 days have passed, and I still do n't have a response back from either.

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 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Having been affected by the hacking breach of Equifax, I have yet been able to sign up for their credit protection offered after their breach. Their website is yet to be working.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I received this Transmittal on XX/XX/XXXX/2017for the amount {$73.00} but do not know what for, or too whom I would owe this debt. This is my first attempt to try an resolve the issue because the number provided on the transmittal says that there is no phone contact ability. 

Therefore I do n't know to whom or why I would bother to pay smithing that I have no knowledge of. 

The company in question is XXXX. Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX  PAXXXX XXXX

Company response to consumer: Closed with explanation