vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC BANK. Will not permit the site XXXX to access personal accounts therefore making the service unusable. They have blocked access this should be illegal as it is my choice to use XXXX to build funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2020, I sent Equifax a follow-up letter requesting Method of Verification as they had verified an inaccurate account as being listed as accurate XXXX XXXX XXXX XXXX According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the  procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Based on my certified mailing tracking record number XXXX Equifax received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received not received their Method of Verification within 15 days of my request. By not replying in a timely manner to my initial letter XXXX has not only violated federal law, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
The only three things negative on my credit is medical and one that I have no clue about on my behalf. I was a victim through the IRS in XXXX or XXXX. I was contacted by the IRS and now I have to wait for a code in order to do my taxes. I dont know what to do anymore and Im trying to buy a home for my children and I but cant due to my credit being destroyed.

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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
There was two accounts opened for a Car loan for first national bank and XXXX XXXX that has been disputed under identical theft, but still remains on my credit report after multiple disputes, Ive given them the police report numbers and also the FTC filing numbers stating specific sections of the FCRA mailed to them registered returned mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There was two accounts opened for a Car loan for XXXX XXXX XXXX   and XXXXXXXX XXXX that has been disputed under identical theft, but still remains on my credit report after multiple disputes, Ive given them the police report numbers and also the FTC filing numbers stating specific sections of the FCRA mailed to them registered returned mail

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 2020-08-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over 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 explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Literally every single day for the past four months, I have received a call on one of my phone lines XXXX XXXX and XXXX ) from Portfolio Recovery Services. When I answer the call, the person on the other line either disconnects the call or asks for XXXX XXXX. While my name is XXXX XXXX, I am not the person they are trying to reach. They are trying to reach my father who has the same name. I tell them this, and they assure me they will remove them numbers from their database. And then the situation repeats the next day. 

Each time I conclude one of these calls, I block the phone number they called from, but it does no good because they call from a different number the next day. To date, I have blocked a total of 133 numbers from 19 different states between two phone lines. I sincerely doubt that Portfolio Recovery Services has operations in 19 states across the country, so this in and of itself is deceiving. 

I want both of my numbers removed from Portfolio Recovery Services database and the calls to immediately stop. There is simply no excuse to harass someone on a daily basis, calling from a different phone number each time so that the person on the receiving end of these calls is essentially left to suffer the continued annoyance. And Im not even the person theyre trying to reach!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I sent a transfer for XXXX from XXXX XXXX XXXX to 5/3 Bank on XX/XX/2020. XXXX XXXX reported that it was deposited today this afternoon. When I called to check my balance the deposit was not there. I want my transfer tracked because I never received it. And it never went into my account. Transfers on Friday happen very quickly. For some odd reason it is not there and is not showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I purchased my 4-plex apartment building in XXXX, with a mortgage from XXXX XXXX XXXX XXXX XXXX. Less than a year later, the country experienced the XXXX " crash ''. 

Since then, the mortgage has been handed off and sold to many other companies, including XXXX, and XXXX. Though I unsuccessfully requested a Loan Modification from XXXX years ago, it has never been refinanced, and my original interest rate of 8.375 % ( an ARM ) still remains. 

On XX/XX/XXXX, I received an invitation to lock in a lower payment by my current company, PHH Mortgage. Invitation attached. When I didnt respond, I was sent a second invitation two months later, on XX/XX/XXXX. 

At the end of XXXX, I found it necessary to streamline my monthly expenses because the main source of income, a community center, had disappeared due to the venue being closed by our governor, due to COVID-19. Ms . XXXX XXXX XXXX processed my refinance application by phone, and I was offered a {$60.00} per month loan payment reduction with a 4.750 % interest rate, which would cost me {$9000.00} in fees and closing costs. I was surprised, as this offer was extended by my current company. Attached is a copy of the Acknowledgment of Receipt of Loan Estimate, and three ( 3 ) pages of the Loan Estimate and Closing Costs. 

In order to streamline application time and causing a Hard Hit on my credit reports, I had requested, up front, the banks fees and closing costs, which she said she didnt know. However, they were supplied to me an hour later, at the end of the phone call. 
Ive been told by another company that the current 8.375 % interest rate is not appropriate or legal during this COVID-19 pandemic time. Im therefore requesting an investigation into PHHs practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I mailed via USPS Priority Mail a letter to Citibank to pay off the balance with a XXXX XXXX check # XXXX in the amount of {$1500.00} stapled to the letter. A receipt from the USPS was received two days later that the letter was delivered to Citibank on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX a statement was received from Citibank that ( 1 ) failed to acknowledge receiving check # XXXX, and ( 2 ) added a XXXX past due fee of {$39.00} and a {$29.00} interest charge! After sending Citibank a letter of inquiry on XX/XX/XXXX asking why they did not deposit check # XXXX, a letter from Citibank dated XX/XX/XXXX stating they " were unable to locate your payment and you may want to request a stop payment on the original payment. '' [ NOTE, THIS WAS THE SECOND TIME IN THREE MONTHS THAT CITIBANK LOST ONE OF OUR CHECKS! Citi had ALSO previously lost our check # XXXX mailed to them XX/XX/XXXX, but later found and deposited it. 
After sending Citibank another letter dated XX/XX/XXXX disputing interest charges and late fees being added every month because Citibank had lost our XX/XX/XXXX check, we sent another XXXX XXXX check # XXXX in the amount of {$1500.00} to replace the XXXXXXXX XXXX check # XXXX that Citibank lost. 

Citibank has flatly refused to address the truth that THEY lost check # XXXX stapled to my letter the USPS delivered to them on XX/XX/XXXX at XXXX XXXX. They continue every month to add more interest charges and fees, failing to acknowledge that they lost my check and are trying to penalize me! I have no plans to be continually bullied by Citibank and am becoming concerned about my credit score if the CFPB can not confront Citibank on my behalf to protect me and my credit reputation!

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 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: TX

Complaint narrative:
It appears that my personal checking account at PNC Bank can not be connected to my business checking account at another bank. My business account uses the XXXX XXXX to connect, which PNC has outright blocked. This is extremely annoying and limits my ability to move funds between my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: IL

Complaint narrative:
I submitted a dispute with experian that per the fair credit reporting act section 609 a 1 a that by federal law i required to request the original signed consumer contract with my signature on it for XXXX XXXX XXXX XXXX and Chapter XXXX bankruptcy. The company stated that they verified the information and it is accurate. I have since tried to redispute the items again. And per the website they don't have to re investigate my dispute. i have also sent them the same letter and upload it to their website as well

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 2020-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I received a call from XXXX five days ago. Midland Credit has continued to call from this number. They have failed to provide a letter discussing why they are calling as required by law. This has been an ongoing issue with this company. This is also a violation of federal law, which requires written notice within five days that includes creditor, amount, rights, etc. This company should be prevented from conducting any additional calls as this is now being harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UMB FINANCIAL CORPORATION
State: FL

Complaint narrative:
I use to live in XXXX Nebraska. A fried in XXXX told me about a {$500.00} bank promotion with UMB Bank. You needed to open a checking account and savings account, then qualify. I opened the checking account on XX/XX/2020. I was able to open the checking account and UMB 's web site went down so I called in and the rep said to wait a day to open the savings to get the full bonus. I waited and i wasn't able to open the savings account. It was denied. ( I've read more than 100 complaints about this very bonus, people who opened the account, then it was locked. ) Yesterday I tried to access my checking account online and it was locked. The email said to call in. So today I called in and the rep was so useless she said she couldn't tell me why it was locked. UMB needed to verify information. So I said what do you want to verify and she said she couldn't tell me. After a few more minutes of getting no where I told her i didn't want to do business with their bank if they wouldn't answer my questions. I told her to close the account and she said she couldn't because it was locked. Again I asked why and she said she couldn't tell me. So I said close the account and I hung up. A few minutes after I hung up UMB called and I missed the call so I called back a another worthless rep said she had no record of anyone calling me. I tried to explain to her, someone just did. I gave her all the info she needed to look my info up, but she was less capable than the other rep, so I told her to close the account. I was told if I don't call back I can't have my {$250.00} opening deposit. The {$500.00} bonus is still being advertised on their web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
Was not able to connect my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: RI

Complaint narrative:
I am asking for help to have CMG Financial correct my escrow account. I have sent email requests and called on XX/XX/XXXX requesting to have CMG Financial review and correct my escrow account. My escrow account only included the City Property Tax and Hazard Insurance,  nothing else. CMG Financial has decided to start paying the Fire Tax of {$970.00} which is causing a shortage in my escrow account and now they want to increase my payment for their error. I have followed the process and waiting over 30 days but they have not responded or fixed their error. I called again today and they don't know how long it will take to research and correct the issue but want me to make the increased monthly payment due to no error on my part. 

I thank you ahead of time for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I was trying to invest in XXXX account through XXXX, but every time I tried to do so its failed. I would like to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Can't link my account to anyone. Why. This is causing a big problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: TN

Complaint narrative:
I HAVE ASK THESE CREDIT REPORTING COMPANYS TO REMOVE THESE ACCOUNTS 3 TIMES I DO NOT AND NEVER LIVED IN THE STATE OF MISSISSIPPI MAKING THEM ACCOUNTS A DATA BREACH OF MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I HAVE ASK THESE CREDIT REPORTING COMPANYS TO REMOVE THESE ACCOUNTS 3 TIMES I DO NOT AND NEVER LIVED IN THE STATE OF MISSISSIPPI MAKING THEM ACCOUNTS A DATA BREACH OF MY INFORMATION.

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 2020-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
This complaint is in reference to XXXX XXXX Account XXXX XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney. 

The letter was sent to : XXXX XXXX XXXX, XXXXCA XXXX Listed Adress on the record : XXXX XXXX XXXX, XXXXCA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased a {$300.00} XXXX gift card at XXXX with my AMEX credit card which card number is XXXX on XX/XX/2020. 
When I was trying to load the gift card to my XXXX account, I was told the gift card had been load to someone else 's account. I went back to XXXX, the manager told me to dispute with American Express. 
I submit the dispute, and Amex gave me {$300.00} temporary credit and I have been waiting for the update of the claim since I have never received any mail or email about the update of my claim. When I was checking the bank statement today, I found the claim was closed and the favor in Merchant.  Amex clawed back the {$300.00}. I'm trying to redispute it, however, Amex said they can not open the case since it was closed two months ago. 
I was shocked since I never heard from AMEX about the case. 
The gift card was loaded to other 's account after I bought it, and I can tell the code on the card was altered, it's the merchant 's responsibility to keep the gift card code safely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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