vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have a XXXX XXXX treatment at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX by Doctor XXXX XXXX. The crown was broke on XX/XX/XXXX. I contacted the doctor but the doctor is not longer at the office and refuse to fix the crown then I contacted the XXXX  office and they charged me {$300.00} for a new XXXX. I don't think I should pay for the new crown because it's the doctor 's fault that make my XXXX XXXX only after two years. I contact the credit card company XXXX XXXX and they refuse to dispute the charge i made on XX/XX/XXXX to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have had my account charged an overdraft fee multiple times for the same instance on multiple occasions. On XX/XX/XXXX I spoke with a PNC representative about the multiple charges and was assured that the multiple instances were for charges that were already pending and would not occur more duplicate charges, I then received 3 duplicate overdraft charges the next day totaling {$100.00}. 

I was also given 2 overdraft charges for the same {$16.00} charge on XX/XX/XXXX. I again spoke with a PNC representative, was escalated and called by by a supervisor, and was told that the first charge was for a {$94.00} charge the previous day, however even their own account software shows that I had a positive balance that day. The PNC representative then tried to explain to me that I could avoid the charge by improving my spending/saving, and while I agree that it would have prevented the issue, that is unrelated to the erroneous charges and the PNC supervisor would not address them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL

Complaint narrative:
On XX/XX/XXXX I entered into a contract with the car dealership, XXXX XXXX XXXX in XXXX Illinois an the finance company, First Investors Financial Services. 
I began having issues with the car breaking down right after the warranty period had expired. The starter replaced, the alternator replaced, it kept blowing tail light bulbs due to bad wiring etc. It got to the point I could not afford to keep putting money into the car and to make the car payments. 
In XX/XX/XXXX I called an surrender the vehicle. They came an picked up the vehicle in XX/XX/XXXX. 
Have not heard a word from the car dealership or the finance company until today, XX/XX/XXXX, when I received a summons to appear in court. 
I believe they have neglected their duties and failed to notify me when the vehicle was sold. They haven't made any attempt to try an collect this debt any other way except to wait almost 18 months an out the blue decided to take me to court. 
I believe that XXXX XXXX XXXX in XXXX Illinois along with First Investors Financial Services of XXXX Ca. are practicing predatory lending activities.

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 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2019, I mailed a letter disputing a XXXX on my credit report. I would need the actual signed contract or it needs to be removed because it being reported inaccurately. 

I asked that each account be verified by the original creditor. 

They never respond to my letter.

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 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2019 Kohls Department store credit card reported that I filed Bankruptcy to XXXX. I did not file bankruptcy. I have contacted Kohls and was assured by the office of the president that the matter is resolved by a forced reset that would take 24 to 48 hours almost 2 weeks ago. I contacted XXXX yesterday and the claim that they have heard absolutely nothing from Kohls and that the bankruptcy report stands. 

My credit score has dropped by 70 points. I had intended to qualify for a home loan this month. The whole matter came from a pair of {$30.00} shoes that were purchased on black friday. I had signed up for a paperless text message billing notification. I received no billing notification by text, mail, or phone until a phone call on XX/XX/XXXX at which time I paid the bill in full including almost {$100.00} extra in late fees. Later that day I phoned Kohls and my account was credited {$30.00} for some of the late fees since I was not notified of the bill and I am never late with a payment. The next day my credit report showed a bankruptcy. 

This report is entirely inaccurate and is damaging my family well being. I have spent hours on the phone with both Kohls and XX/XX/XXXX. I have documentation of the credit report. I can supply images of text verification of the paperless billing confirmation and the subsequent lack of any notification via phone records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Hello, Thanks for helping on this matter. 
I bought a phone from XXXX XXXX XXXX and I was told to returned back the phone within 2 weeks if I dont like the service. I returned this phones back in the space of XXXX because the service was bad. They took the phone back from me and offer to mail me a check for the taxes charged on the phone. They never mailed me the check and to my surprise I found out they report a total of XXXX  on my credit. Im so shock to see how bad they hurt my credit even though I didnt have the phone in my possession. Please kindly help me on this matter. I have starved to pay my credit card bills and I was sad to see XXXX XXXX XXXX trying to hurt my credit with this FALSE claims. I dont have their phone or use their service or owe this sum of XXXX   Please help me!! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2019 i checked my credit score with TransUnion and i had increased with a 72 points. After i check agian as soon as XX/XX/2019 because i like to keep track of my credit score ... ..So on that date of XX/XX/2019 i decreased 73 pionts, dont understand why? So i wanted to get a anwer from TransUnion as in why i decreased 73 ponits since i havnt dont anything to effect my credit score this way Or if this was a error, if so please correct. Thank You

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 2019-03-22 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: FL

Complaint narrative:
My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted Experian to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.

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 2019-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
a XXXX XXXX was assigned to the account well over amonth ago, he finailly reached out to borrwoer rep the other day, we hav elost so much time and now carrington states foraclosure to be put in paper XX/XX/2019/thsi was caculated ,2 weeks went by and i asked XXXX XXXX why has not gotten back to me and stated he was sick, then no calls twoweeks now forclosure, this is very disengenious.demand is madeborrwoer have formal discussion on loss mitgation options!! this is and unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
In late XX/XX/XXXX i disconnected by XXXX XXXX  cable service because I was moving. I called XXXX  and asked how to return the equipment. They told me do leave it with the doorman and they would pick it up. However they never attempted to do so according to building record so I followed up several times telling them they had yet to pick it up. On XX/XX/XXXX I called XXXX   because they had charged an auto pay of {$470.00}. The person i spoke to said that was for the equipment but since they failed to pick it up after i follows the instructions they gave the billing was an error and they reversed the charge. I never though of this again until XX/XX/XXXX when a collections agency send me a notice for {$470.00} from XXXX. I called XXXX to inquire. I was given a totally new story that despite what I was told in XXXX it was now my fault they failed to follow through and pick up the equipment. Two employees XXXX # XXXX and XXXX XXXX told me different and misleading stories and said the only way to get the collection notice off my record was the pay the {$470.00} I had previously been told was an error and only exists because XXXX failed to perform the task it said it would and pick up the equipment. While I could easily pay this I realize some people couldnt so Im standing up to XXXX   misleading actions and credit threats in and effort to extort money from me that I dont owe them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted XXXX  to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.

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 2019-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted XXXX to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: NC

Complaint narrative:
I mailed a certified letter to Experian and XXXX  see attached document. 

I asked Experian to remove the XXXX account from my report. I Asked that they send me the actual signed contract or it needs to be removed because it is being reported inaccurately I wrote XXXX and ask them the same including an account for XXXX XXXX XXXX XXXX. 

The have yet to verify 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 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Netspend Corporation
State: TX

Complaint narrative:
XXXX XXXX. : XXXX I have requested for XXXX XXXX XXXX to process a refund " claim ''. All the information has been provided by email from " email address : XXXX '' to " email address : XXXX ''. XXXX XXXX : {$68.00} XXXX XXXX : **** **** **** XXXX XXXX XXXX : XX/XX/21 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 2019-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
Santander Consumer USA provides me with a car loan that the car wasnt worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I mailed a certified letter to XXXX and Equifax see attached document. 

I asked XXXX to remove the XXXX account from my report. I Asked that they send me the actual signed contract or it needs to be removed because it is being reported inaccurately I wrote Equifax and ask them the same including an account for XXXX XXXX XXXX XXXX. 

The have yet to verify these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: AL

Complaint narrative:
Ocean Park funding was emailed about my debt consolodation with XXXX XXXX and they said they would stop the automatic draft. I didnot trust them so I had my bank to put a stop payment on the bank account. However the last XXXX paydays XXXX XXXX has continued to try to take money out of my account. My Bank informed me they have been able to block it but said if the company tried to change the name they could succeed and I would have to come in to the bank for further solutions to the problems. They have tried to take a total of XXXX dollars out of my account. 

I would like them to stop and work with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is refusing to send my disputes out. I will dispute something and 1 day later get a notification back that the creditor has verified the information. There is no way that it can be verified in 1 day. A Prime example is XXXX XXXX is showing 60 days late in XXXX. I contacted XXXX XXXX at ( XXXX ) XXXXXXXX and even they agreed that the late payments for XXXX were not correct because they have not even reported for XXXX yet

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 2019-03-22 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: MI

Complaint narrative:
On XX/XX/2019 I filed an identity theft dispute with Equifax. In this dispute I submitted a letter indicating what information was fraudulent and that I was requesting for the items to be blocked pursuant to section 605B of the Fair Credit Reporting Act. In this packet I submitted a copy of my drivers license, social security card, bank statement, police report, FTC Identity theft report including all of the fraudulent accounts opened in my name, a copy of section 605b of the FCRA, as well as a copy of my most recent credit report with Equifax with each of the the items that were fraudulently opened in my name circled. I spoke with Equifax today regarding my dispute and was told that my request to block the fraudulent items from my credit report has been denied. I understand that the credit bureaus has a right to deny the block information under section 605 ( c ) of the FCRA. ( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Equifax has failed to provide me a reason why this request was denied which is required. I filed a police report with my local police department as well as with the Federal Trade Commission. I have sent both reports to all of my furnishers including all of the 3 major credit bureaus. The other 2 credit bureaus XXXX and XXXX   have accepted the same exact dispute and have removed the fraudulent information from my credit file. Equifax thinks that they don't have to abide by the federal laws of the fair credit reporting act which is why I am filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I don't know who Portfolio Recovery And Associates is, but I want them to stop calling me. They have called me late at night after XXXX XXXX. They have also recorded my phone calls without letting me know at the beginning of each call that the call was being recorded. I am requesting that they STOP CALLING and to communicate with my authorized representative only. Please also see the attached letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I made a purchase from XXXX and XXXX closed my account because XXXX told me that my account had been hacked and reopened after a week and then I made the same order again and this order was lost and I went through Customer Service and XXXX gave me a credit and then they bill my account that twice for the same item which was never delivered and I had to order again and XXXX charged my account again for this item and this item a camera was finely delivered almost a month late I have contacted XXXX on this matter a few times The problem started on XX/XX/2019 and has not been resolved to this day the XX/XX/2019 XX/XX/2019

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 2019-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: PA

Complaint narrative:
Conduent ( formerly ACS student loans ) seems to have disappeared? Their website no longer functions ( barely exists ), I am not able to access my student loan account to make changes, payments, view my account balance, or download tax documents. NONE of Conduent 's published phone numbers work. If I need to make a change in auto payment, or wanted to payoff my loan, there is no way to accomplish this. My biggest concern is this company has my bank account numbers and social security number.

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 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Tried to dispute an item from Gold key credit from my credit bureau, they stated I have a balance of {$460.00}, asked them to provide me with evidence of my debt and they only send a statement, no signature, no contract. I faked this to be remove from my credit and they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief