vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The issue is with Portfolio Recovery Assoc. They have been trying to collect a debt balance from the original creditor, XXXX XXXX XXXX  XXXX XXXX, amount owed {$1800.00}. 

The credit limit on this credit card account was {$500.00}. XXXX XXXX & Portfolio Recovery has added over {$1300.00} of finance charges. Most recently I called Portfolio Recovery on XX/XX/2020 to settle this account. They refuse to move from the balance owed. This is the same response I have been getting from XXXX XXXX & Portfolio Recovery for over 3 years. 

Since they will not settle on a reasonable amount, I wish to have this completely removed from ALL credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
The company Calvary port folio have my credit in collection and every month put interest I never Have credit with this company or other creditor they buy the account is fraud credit because Im in a XXXX  is imposible I can use my credit I trade to explain this company but they continue put me in collections an put interest please I need help I have prob Im in a XXXX  at the moment this credit is in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have no knowledge of this company. They are showing up on my credit report as a hard inquiry. The date of the inquiry is 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 2020-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I asked the dealership not to run my credit multiple times for an auto loan. My request was disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
There is a charge on my account that I am disputing. I did not make this purchase. The date of the purchase on my statement shows XX/XX/2019. The name of the Merchant on the statement shows XXXX XXXX XXXX and the amount of the charge is {$140.00}. As soon as I realized there was a charge on my credit card statement I contacted the credit card company and reported this charge as fraud. The credit card company said that they would investigate this charge. Later I was contacted by the credit card company and they said that indeed the charge was fraud and would remove it. Then after some time the credit card company sent me a letter saying that the charge was valid. I contacted the credit card company again and explained that this is fraud and I never made the charge. The credit card company said that they will investigate and contact me again. They never contacted me again. Now the credit card company is threatening to send me to collections over this charge that I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The issue is with XXXX XXXX XXXX. They have been trying to collect a debt balance from the original creditor, Capital One Bank USA NA, amount owed {$1800.00}. 

The credit limit on this credit card account was {$500.00}. Capital One & XXXX XXXX has added over {$1300.00} of finance charges. Most recently I called XXXX XXXX on XX/XX/2020 to settle this account. They refuse to move from the balance owed. This is the same response I have been getting from Capital One & XXXX XXXX for over 3 years. 

Since they will not settle on a reasonable amount, I wish to have this completely removed from ALL credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I have a VA Loan with Loan Depot. I set up autopay with them since XXXX. Every XXXX of the month they De it my checking acct at XXXX XXXX XXXX. XX/XX/2020, XX/XX/2020 went fine. Without telling me they shut off my autopay and never told me my payments were not paid for XX/XX/2020 and XX/XX/2020. Since then I discovered the problem on my own and had them Debit the same XXXX XXXX XXXX acct for both past due payments. They then reported me to the Credit Agencies and now want Late Fees and are threatening me with Foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Date : XX/XX/2020 Actions : Was trying to connect my bank to donate directly to a non-profit and I was informed PNC made changes that prevents me from being able to link my account through XXXX XXXX  to the organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Service, Inc (FL)
State: PA

Complaint narrative:
This is regarding 2 collection account that are on my credit report. United WE Collect Inc, original creditor XXXX XXXX for {$60.00} & {$220.00}. I have contacted United WE Collect numerous times, most recently XX/XX/2020 to resolve this debt. The supervisor XXXX refused to send the details of the transactions nor settle the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I refinanced my auto loan from Ally financial to XXXX XXXX XXXX XXXX XXXX. Ally claims that there was a balance owed, however the paperwork I have states the balance was paid in full and is thus showing it as a charge off and negative, which is affecting my credit score negatively. This account was never in default, non-payment and should have never been placed in collections or shown as a charge off. I have provided them with documentation showing as much and they refuse to fix it. The last dispute they did take the 21 months of non-payment off, however they have XXXX and XXXX of 2020 showing as charge off. Again, this is incorrect. I refinanced this loan, and the amount my bank paid to Ally was correct. Any issues that arose AFTER the check had been deposited was on Ally, not me and neither myself or the bank ever got any information saying there was additional money owed. 
Additionally, Ally has been incredibly difficult, hostile and evasive in in my attempts to get this resolved. I understand errors occurred, but I have been transferred, harassed, hung up on, had someone literally notate things I did not say. I have asked for a manager multiple times, they can never provide one. I was told I'd get a call back, I never got one. Every time I seem to be able to produce a document showing my proof they are suddenly able to speak with me and have made me fax documents while claiming they never received them, but when I show them confirmation that the fax went through the find it. 
Every aspect of Ally seems to be at best misleading, if not fradulent and unwilling to fix their own mistakes. If my error wasn't Ally 's fault, why would they remove all of the information the already did and expect me to say thank you. This is not right. They are already a bank that takes advantage of people who have less than perfect credit and make it almost impossible to fix their error, but when the money is owed to them, they can find all the time in the world. This needs to be fixed. 
I have had a FEW good interactions with representatives from their company. To those people, and to any representative from Ally I have been nothing but professional and kind, never raising my voice or using inappropriate language.

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 2020-05-31 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: CA

Complaint narrative:
Unable to link checking account issued by PNC with XXXX Online Payment Portal to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: PREFERRED CREDIT INC
State: GA

Complaint narrative:
I WANTED TO DISPUTED THIS OLD ITEM I FELL INTO HARD TIMES AN WAS UNABLE TO PAY I TRIED TO WORK OUT A PAYMENT PLAN WITH ORIGINAL CREDITOR AN COULD NT WITH STAND PAYMENTS THIS WAS BACK IN 2016 FOR ORIGINAL AMOUNT FOR {$2000.00} I WANTED TO REMOVE IT BECAUSE IT DOES NOT BELONG TO ORIGINAL CREDITOR THIS IS THE WRONG INFORMATION AN HURTING MY CREDIT PLEASE HAVE ALL 3 CREDIT DEPARTMENT REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I am XXXX XXXX XXXX XXXX I am from Louisiana XXXX Louisiana to be exact I am invested with you from stocks and bonds and XXXX XXXX XXXX baled me to put my savings 401 k there and I saw where someone took out my 401 k and in XXXX and XXXX I was put in a savings bond with Merlin lynch I signed it through a Ms XXXX XXXX XXXX Of XXXX Louisiana the address I signed it from was XXXX XXXX  XXXX XXXX she is a major real a state owner I took advantage of this opportunity when I was XXXX by letting Merrill lynch have more years on it I signed it again and it is a role over my date of birth is XX/XX/XXXX my social is listed someone changed the name to XXXX XXXX XXXX thats why yall are in the XXXX XXXX  settlement case now can I be contacted I never had to leave this state and my information is signed in that same file cabinet with a XXXX XXXX he lived at the same address and also the uncle in this who gave me also some shares or assists was a Mr XXXX XXXX of XXXX Texas and of XXXX Louisiana ... That is separate now there is also other packages 6 to be exact ...

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 2020-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I need to link my XXXX  account to my bank account. It helps me send my kids money when they have an emergency or send me money if I have an emergency. Its the easiest way to get money to them and I need to be able to help them as quick as possible. XXXX of my XXXX kids live out of state! Please allow me to link my pnc account to my XXXX account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA HAS NOT CORRECTED ERRORS FROM XX/XX/2019 STATEMENT. ** MERCHANTS JUST REFUNDED CREDITS XX/XX/2019 HOW COULD THEY POSSIBLY BE NEW PURCHASES XXXX??? See attatched XXXX XXXX XXXX XX/XX/2019 {$200.00} & {$280.00} REFUNDED NON DELIVERIES. See attatched XX/XX/2019 NEW PURCHASES {$200.00} & $ XXXX I DID NOT AUTHORIZE TO PURCHASE OR BUY BACK. USAA DOES NOT CORRECT BILLING ERRORS OF 2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for a personal loan to remodel my home for {$35000.00}. They asked for bank statements to verify my employment and I provided three months clearly documenting my payroll. I make over {$300000.00} per year and have a FICO score of XXXX so I thought I would be easily approved. 

They said that my bank statements were not acceptable since the payroll goes to a trust account like many people in my position being over XXXX. So they asked me to send our 2019 tax return, which I did. After some time I followed up and they reviewed my tax return and then asked for my bank statements which I reminded them that the already had. 

They denied my loan because they were " Unable to verify Income. '' " Documentation you provided is incomplete/unacceptable. '' That's unbelievable. 
They wasted my time and I truly believe they were Phishing for data on me and my family for resale purposes and never were serious with the offer. 

Please help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: MA

Complaint narrative:
THE DISPUTE I bought what XXXX XXXX  advertised as a NEW XXXX XXXX XXXX XXXX. 
It was NOT NEW, XXXX XXXX? shipped me a used XXXX XXXX XXXX XXXX. 

There were numerous XXXX, most everything with this Crossbow looks used, broken, or defective. 

At the time I purchased the Crossbow from XXXX XXXX Warranty support was from XXXX XXXX at XXXX XXXX. 

Recently, I receive an email regarding a Warranty issue from someone named XXXX, with a XXXX Phone Number and an Oregon, USA address ( NOT at XXXX XXXX ), who does not seem to understand Crossbow Operation or Crossbow Nomenclature. 

I get an email from someone else, also NOT at XXXX XXXX ( XXXX ), who wants to talk only via phone. 
In my opinion, XXXX did not want email documentation, but most importantly, I believe these people are scamming me, and that they do not work for XXXX XXXX or XXXX XXXX. 

THIS IS AN ONLINE SCAM! 
Discover Credit Card said that the XXXX XXXX Dispute was resolved in my favor. The Discover Credit Card Account I was told would be CLOSED ( at my request ) with its XXXX balance, and confirmed via U.S.P.S. Mail, Dispute Resolved in my favor and Account Closed, Balance XXXX. 
This is an Online Scam. I never received the confirmation via U.S.P.S. Mail that Discover send they would send to me. 

I KNOW someone is trying to get me to pay {$1300.00} for a used XXXX XXXX XXXX XXXX, so they can send me a Return XXXX  for a refund, and say they never received it back. 
XXXX XXXX XXXX  Tracking always shows Delivery Exception, re-routed to an alternate address ( alternate address is never not posted-XXXX ). 

I purchased it once If really XXXX XXXX  was the seller, I only need be shipped what I paid for once. 
This is a Scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi Business Streamlined Checking account ( ending with XXXX ) at one of their branches located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX since they were running a promotion that after deposit $ XXXX within 30 days and keep the fund for 60 days I should receive a bonus of {$1000.00} within 90 days. I opened the account with one of their bankers and deposited $ XXXX  on XX/XX/XXXX. I kept the $ XXXX in my account until XX/XX/XXXX ( after almost 90 days ) and called Citi to check my bonus status. I was told that they would investigate it and gave me a case # XXXX. However in the following months until today ( XX/XX/XXXX ) I still have not received the bonus. During this time I made several calls to the bank and wrote emails to the banker in the branch to check my case status. The banker was helpful by checking with the bank but all the response I got was that I've met all the requirements and should be qualified to receive the bonus and I should receive it by the end of XXXX. I then patiently waited until the end of XXXX which has been well passed 6 months and no surprises I still have not received the bonus from Citi. I'm very disappointed by Citi running fraud promotion by getting people sign up for their account then refuse to pay out the bonus as they promised. I trusted Citi by putting my hard earned money into their account but Citi does not seem to like to honor their own promise.

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 2020-05-31 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: PA

Complaint narrative:
I want to setup a auto withdraw but always come up with an error

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
CCS Collections has reported adverse information on my credit report with the three reporting agencies. I have never heard of this company nor have they attempted to contact me in any way ; by phone, mail, etc. They have not given me the right to request verification of this debt and/or dispute this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I was seeing a XXXX I trusted for 3 years. I kept asking him why my bill were so high for normal procedures and he said my insurance wasnt good. when I contacted my insurance company they said he had been lying to be. He was out of network the entire time and wasnt honest. I asked him to adjust bill he refused. I told him it was the right thing to do, again he refused. 
He sent it to collections ( Account Managment Services XXXX XXXX XXXX # XXXX, XXXX, CA XXXX ) when the collection company contacted me I explained to them what happened. I told them it all needed to be verified and there was a lot of things that needed to be fixed. The bill was 90 % higher then should have been. 

They said they didnt care about any of that and I needed to pay the bill or they would report it to the credit beauros. The refused the verify the amounts owed and what they were for. The women I spoke to was nasty and condecending. What an awful experience!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX stating that they have notified all Three Credit reporting Bureaus to remove any account listed on the attached letter. I filed a case with the CFPB dated XX/XX/XXXX and XXXX XXXX XXXX stated that they notified the all three credit bureaus a month ago. The case number for reference 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 2020-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XXXX is unavailable to connect with my back account. ( PNC )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Pnc will not bet let me like my XXXX account to apps which include apps to manage my stocks. This issue needs to be resolved it affects our financial lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that they have notified all Three Credit reporting Bureaus to remove any account listed on the attached letter. I filed a case with the CFPB dated XX/XX/XXXX and XXXX XXXX XXXX stated that they notified the all three credit bureaus a month ago. The case number for reference 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 non-monetary relief