vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
unethical behaviour on the part of Equifax I have called everyday since XX/XX/XXXX and they told me that my addresses do n't match up and that is why I ca n't get online to do my disputes. I have faxed 2 seperate copies of my information that you all requested and mailed it and nothing. Everyday is just wait 24 hours, just wait 48 hours. Then today ( XX/XX/XXXX ) it  is the system is n't working and the system still have my old address please send me that information. I just want my address in the system changed to XXXX XXXX XXXX XXXX, XXXX, VA XXXX as my current address so that I can get into the dispute system. No I do n't not want you all to do it for me because this is my file and I believe that you are making it so I ca n't get in. That is illegal for you all to hide my credit file from me because it is mine. My phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the new guidelines, if a tax lien does not have your social security and date of birth, it should be removed from your report. TRANSUNION refuses to remove the lien on my report which only has my name and address. i just applied for a home equity loan to pay my daughter 's school, application was declined because of the lien. 
Same lien was removed by XXXX and XXXX. 

Note that i am currently paying federal taxes through an arrangement.

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 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
On XXXX XXXX 2017 i disputed a debt that has been reporting on my credit report. 
The debt collector XXXX XXXX has appeared on my credit report with a {$500.00} balance due. In return of the dispute XXXX XXXX failed to validate the debt allegedly owed and sent a bill including medical procedures which is a violation of HIPPA laws and they are damaging my credit report and i would like the debt removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
There is a new collection that appeared on my credit file which I do not owe XXXX XXXX, this is false information, please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been out of the Country, in XXXX since XX/XX/XXXX ; ( where I am unable to communicate with any American banks, due to the Embargo laws here ), and returned on XX/XX/XXXX. 

While I was away, TD bank excessively charged my Primary DDA account with Overdraft Fees in one of ( at that time I had 2 checking accounts with them. My Primary DDA, was by myself, and the Secondary DDA, was a Joint Account with my Grandson ). The Overdraft Fees that TD Bank charged me for repeated EFTs, were in excess of the ( {$910.00} ) ; they took the remainder of my Social Security benefit, that remained on my account. I was not able to receive any notices, written, or otherwise, to remedy the situation, and even though I DID ADVISE TD BANK AT THEIR CUSTOMER SERVICE LINE ; THAT I WOULD BE OUT OF THE COUNTRY, IN CUBA FOR THE DURATION OF 2.5 MONTHS, ( due to the fact ; that I was getting married. I specifically called them in XX/XX/XXXX, prior to my trip to place a memo on the account. ) TD Bank, not only closed my Overdrawn Checking account ( without receipt of any notice ), but they took portions of my Social Security Deposit funds that were Direct Deposited into my Account at the time ; ( which are, to the best of my knowledge, considered 'exempt funds ', by US law ). 
Not only did they take my money, ruin my credit, and over-charged me excessive Overdraft Charges, they did a " DDA Offset '', against my Grandson 's Student account, and took his University Internship earnings ( without any written notice to him, or me!!! ) When my Grandson opened his Student Account with TD bank, ( for which I was present ), he was never given any notice or disclosures that they would '' offset any DDA accounts '' against his. As a matter of fact, when I opened my DDA & Savings account, no disclosures and terms of conditions were given to me either! They just had us sign what I thought was a " Signature Card ''. Unless, TD Bank placed this disclosure in such " fine print '', as to throw off customer from even being able to read it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Financial XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Late Fees on {$20.00} balance resulted in {$67.00} in Late Fees and on top of the {$67.00} Interest on the Late Fees. 

Credit Card and Store Credit Card Fees Late Fees and their Interest on the Late Fees are much higher than Mortgage and Car Loans by factor 3x?

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 2018-01-17 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: IL

Complaint narrative:
PNC BANK ALLOW IDENTIFY DEBT TO HAPPEN I LOST A TOTAL OF {$350.00} IM REPORTING XXXX XXXX FOR THREATING TO CALL POLICE ON ME WHEN I COMPLAINED ABOUT MY FUNDS ... THEY ALLOWED INDENTY THEFT PLUS THEN DIDNT REFUND. IM XXXX AND I RECEIVE XXXX WHICH I OPEN IN XX/XX/XXXXA TOTAL OF XXXX WAS STOLEN IN INCREMENTS OF {$850.00} every XXXX XXXX of the month since XX/XX/XXXX ... my name is XXXX XXXX XXXX my cell # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: Exeter Finance, LLC.
State: MD

Complaint narrative:
All of my detailed information is attached to this complaint. During this whole ordeal I ca n't understand if a debt was paid-in-full due to a total loss claim, HOW does a company consistently accuse you of still owing, keep this mis-information on your credit reports in their alleged justification and refuse to admit that the accounting fault is the fault of the company for how they handled the pay-off settlement for this loan. I should not continue to have my credit scores damaged because this company is determined to penalize me for not being able to collect 5 years of high interest rates for the loan I had with them. 
At the time of the loan I entered a second chance loan agreement at 24 % interest for 60 months. However, because the vehicle was totaled when an act of nature occurred ( I unavoidably hit a dear in the midst of an Ice storm. Prior to that I was forced into a bankruptcy in order to save my home from foreclosure ; of which all of my debts had to be included in this filing. Since this company fell under that jurisdiction they were listed, BUT EXCLUDED from the original proceeds because I agreed to pay them separately to maintain my credit under the second chance program. However when all of this happened, they tried to use the bankruptcy status to justify why they kept accusing me of still owing them money - '' AFTER THE ACCOUNT WAS PAID IN FULL!!! '' Now this account has bee listed as a charge off which is bad for my credit rating and bad because they are still proclaiming that I owe them money!!!!! This is the question I keep asking EVERYBODY : IF YOU PROCESSED A PAY OFF CLAIM ACCORDING TO WHAT YOU STATED WAS THE PAY OFF AMOUNT, WHY WOULD N'T YOU REPORT THE CORRECT PAY OFF AMOUNT IN ORDER TO BE PAID IN FULL????? 
NOT ONLY THAT, WHY WOULD YOU HOLD THE CUSTOMER RESPONSIBLE FOR YOUR MISTAKE, RUIN THE CUSTOMER 'S CREDIT RATING AND CONTINUE TO REPORT INCORRECT, DEROGATORY AND NEGATIVE INFORMATION FOR THE ONLY PURPOSE AS TO KEEP ME IN FINANCIAL BONDAGE FOR THE LENGTH OF TIME THAT I WOULD HAVE BEEN PAYING THEM IN INTEREST RATES FOR THIS HIGH END LOAN! THEY FEEL IF I WANT TO GET RID OF THEM THEY ARE TRYING TO FORCE ME TO PAY THEM WHATEVER THEY WITHHELD FROM THE PAY-OFF AMOUNT JUST TO ATTEMPT TO MAKE ME PAY THEM MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, GA XXXX This not my address, I never live here. Can you please remove this from my credit report history.

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 2018-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I received notification via a credit monitoring app that a company called Commonwealth Financial added a collection account to my XXXX credit file on XX/XX/XXXX. I checked with my state of Florida Office of Financial Regulation and this company 's license to conduct collection activity in Florida as been revoked/voided since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I have been double covered with insurance during that time through XXXX and XXXX under my parents legally. I think this should be looked at and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Latest phone call received from Portfolio Recovery ( Tel # XXXX ), the evening of Tuesday X/XX/2018 citing a debt in the amount of {$1100.00} for a XXXX XXXX XXXX XXXX # XXXX dating back to XXXX. Advised the young lady on the line that this was discharged via Bankruptcy. She replied, that was noted the case and how would I like to pay off this debt.At that point advised her that this conversation was over and will contact the FTC and file complaint. 

My Case # XXXX US Bankruptcy Court XXXX XXXX of Pennsylvania cites the discharge of debts of which the above noted XXXX XXXX ( XXXX XXXX ) was first on the list. Having repaired my credit moving forward, XXXX XXXX has issued 2 Credit Cards to me ( all which are in great standing - never missed a payment ) as well as IRA and Personal Checking with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUITY LOANS LLC
State: MD

Complaint narrative:
In XXXX of XXXX, I was denied a loan by Equity Prime Mortgage, NMLS # XXXX /NMLS # : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX. At the time of denial, I had a credit score that exceeded the minimum requirement to obtain their product. DTI ratio requirement met. Proof of income, and proof of ability to repay. Subject property also met financing guidelines.The company did not provide the reason for the denial nor attempted to advise on how to obtain approval. I felt discriminated against because I met all minimum requirements to obtain a loan. 

The company may have changed names during this period.

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 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
my account showed positive this morning now the bank is saying that it is in negative it is I had a credit go in the same day as transactions went out. they have changed it around so that my account appeared to be in the negative first. this is so unfair and seems to be constant with citizens bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17 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: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
I received a collection statement for an XXXX visit, dated XX/XX/XXXX. The first {$50.00} payment was made online on XX/XX/XXXX, and every month after that. Once the first payment was made, I never received an updated statement from the collection agency ; only confirmation that my payment was accepted. Each monthly payment since XXXX of XX/XX/XXXXhas cleared my bank account. When I looked at my credit score this week, I noticed that it had dropped significantly, and that Healthcare Receivable Group had charged off the {$1500.00} that was still due on my bill as of XX/XX/XXXX. The most recent payment was made on XX/XX/XXXX of {$50.00} ( online ) and cleared my bank account as of XX/XX/XXXX. I have yet to receive any notification or correspondence from this company, informing me of the balance, the charge off or of any type of judgement. I believe the balance left on this account is {$1400.00}. I can not look at this account online ; I am only able to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It has been reported to the credit bureau which should n't be, because I had insurance at the time with XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
It has been reported to the credit bureau which should n't be, because I had insurance at the time with XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
On today XXXX XXXX2018 I was alerted by my credit monitoring that an collection was placed on my XXXX  report! I did my research and it is the exact account that was deleted and removed due to being fraudulent and not my account. The original debtor states XXXX XXXX and Ive spoken with them and they are unaware as to why this XXXX XXXX keeps trying to collect on something from me when it isnt my debt. I have XXXX XXXX XXXX currently in my home so NO I dont owe them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: SC

Complaint narrative:
I have repeatedly contacted EQUIFAX to resolve the issue of hard inquiries being made on my credit report. I have also contacted the companies personally regarding the same situation. Finally, I have submitted all copies, etc of letters to EQUIFAX. They have continued to not resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Two years ago I had a lot of XXXX work done at the XXXX XXXX XXXX. The amount exceeded my deductible, and the staff there offered to set me up with an account called Care Credit with Synchrony Bank. She did all the paperwork and did a somewhat poor job explaining the terms to me directly after some pretty intensive XXXX XXXX For the past 24 months I have been paying the minimum balance as per our agreement. Each month, the bill states how many more months remain until the balance is paid off in full, if only the minimum is paid.

InXX/XX/XXXX I received my bill, and after paying off more than {$10000.00} of medical debt, I saw that I only had XXXX  remaining. I paid the minimum balance and noted, according to their chart of the front page of the bill, that in 3 more months my balance would be paid off. Further down in the bill on the second page, there in fact is a warning about the promotional APR expiring, but this information is ( seemingly ) intentionally left out of the body of the bill that informs you of your balance, and how many more months of payments you will have to make. It would be simple enough to include this information in the body of the bill as opposed to on a second page buried in fine print.

The next month, I was charged the deferred interest for the entire original charge to my account, over 3000 dollars ( about 25 % APR ) although it was completely paid off at that point aside from a few late charges. Although there had been several late payments, my account was never delinquent anywhere close to 30 days.

The next bill I received showed that, paying the minimum monthly balance, it would now be 16 months, not 3, until my balance was cleared if I continued paying the minimum. When I called they refused to work with me to address the issue.

Upon doing some online research, I learned that 2 years ago there was a class action lawsuit against them for the same practices. I have good credit and have no need for these predatory type of credit card practices.

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 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
The collections agency. Diversified consultants inc. will not remove an account off my credit, for equipment from XXXX XXXX XXXX reporting as not being turned in, on XXXX I sent the company a debt validation letter, on XXXX they responded saying item is accurate, at that time I called the company compliance Dept and spoke with XXXX @ XXXX XXXX I explained to her that I actually turned that equipment in on XXXX and I Emailed her the receipt to XXXXXXXXXXXX I called her back and she said they had got my Email and would take care of it, so I dispute this item with the credit bureaus as well along with a copy of the receipt, they responded back saying the collection agency DCI says it 's an accurate account and refuses to remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Automated Collection Services, Inc.
State: IA

Complaint narrative:
ACSI is sending solicitations directly to my employer ( see attached ) with predatory and misrepresented statements about a treasury offset and the need to contact the company for a rehabilitation program. I am already being collected upon through garnishment in which the company and student loan provider ( XXXX ) have garnished 15 % of my paycheck for the last 2 1/2 years. They also attempt to collect a consent in the correspondence to provide " express consent '' to contact me personally after a cease and desist has already been requested. They attempted to receive this consent by sending correspondence to my employer directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On today XXXX XXXX2018 I was alerted by my credit monitoring that an collection was placed on my Experian report! I did my research and it is the exact account that was deleted and removed due to being fraudulent and not my account. The original debtor states XXXX XXXX and Ive spoken with them and they are unaware as to why this XXXX XXXX keeps trying to collect on something from me when it isnt my debt. I have XXXX XXXX XXXX currently in my home so NO I dont owe them

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