vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My wife and I run a small personal business out of our home. A local bank - BBVA - was who we used for a couple years now. This year that bank was purchased by PNC Banking. 
The terms and conditions of our account changed drastically- but we need to finish the year out and swap banks on the first. However, the entire year 's worth of banking information from BBVA - prior to the swap to PNC- is gone. We can not access it electronically online- they have shut down the website. We can not access it through the PNC online resources. Now - PNC- is charging us for every single month of records we want from our account. Because of tax obligations we have to reconcile our accounts. They have made the process impossible and randomly expensive. We can't even get the account information from the bank- we have to request, pay, and they will mail it later to us - per the bank teller we went to the bank to speak with. 
How can we have an account for years, the bank be purchased and WITHOUT NOTIFICATION THAT THE BANKING INFORMATION WOULD NO LONGER BE AVAILABLE - have all access to it shut down? Now only is access gated, you have to purchase access to it. 

That was not the terms BBVA operated under. If PNC purchased them, they should be obliged to honor the terms of the agreements BBVA had with its customers. How can they just turn our bank account into a revenue stream for access? 

Is literally no one in the government overseeing the purchases of banks???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: NV

Complaint narrative:
XXXX XXXX, This company has run inquires on my credit 40 times, I have never applied for anything with this company. Please stop this company from doing this.

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 2021-12-14 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: Colony Brands, Inc.
State: TX

Complaint narrative:
On this XXXX XXXX account I was advised because of the Pandemic when I contacted them in XX/XX/XXXX, they would remove the late payment in XXXX. Instead of removing it they left it and added fraudently late payment history for XXXX in which I never used the card this year at all because I was going through a mortgage process. The account is showing now 6 times past due which is incorrect and as a result of this incorrect information I was denied a car loan applied for this year. This information was added after my closing because there would have been no way to close on my house which this deliquent information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: FL

Complaint narrative:
XXXX keeps reporting multiple charge offs on my credit report with multiple debt amounts and duplicated accounts. Its being reported that I cosigned on these debts but another is showing that the responsibility is otherwise.

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 2021-12-14 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: FL

Complaint narrative:
XXXX keeps reporting multiple charge offs on my credit report with multiple debt amounts and duplicated accounts. Its being reported that I cosigned on these debts but another is showing that the responsibility is otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX keeps reporting multiple charge offs on my credit report with multiple debt amounts and duplicated accounts. Its being reported that I cosigned on these debts but another is showing that the responsibility is otherwise.

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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently obtained a copy of my consumer report and noticed fraudulent charges. I am a victim of identity theft and did not make these changes. According to the FCPA pursuant to 15 USC 1692 a ( e ) the term " debt '' means obligation or alleged, Please investigate this matter with a written explanation which I didn't get. According to 15 USC 1681a ( e ) the proper way to investigate a consumer report is to obtain personal interviews with my friends neighbors or associates which I didn't get 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 non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
This is my second complaint against Suntrust/Truist bank XXXX My first attempt ( complaint number XXXX ) was not resolved. I have been trying for nearly a year to get the unnecessary PMI removed from my mortgage. The response by Suntrust indicated that I must send in a written request, along with a check for {$100.00} to cover the cost of a Broker 's Price Opinion. I sent in both of those items on XX/XX/XXXX, and to date I have received no response from the bank. It's clear that Suntrust has no intention on giving up my involuntary $ 170 monthly donation of to their bank. If I had the money to sue, I would, but the CFPB is my only chance at forcing this bank to do the right thing. We initiated this process in early 2021 and they refuse to respond. We have called, gone in person, sent secure messages ( at their direction while on the phone with them directing us ), and have had them directly give us incorrect information and then laugh about it when we tell them we followed it ( why would you send us a secured message, that's a joke, we don't look at those ). They are making money on refusing to respond to this. We want them to have to give us back our PMI all the way back to XXXX 2021 from the time they should have responded. We have offered to pay for the broker 's opinion that is needed. We are NOT asking for the automated statutory PMI process to have the PMI drop - that was another excuse they gave us for delay. After 6 months of asking they sent a letter saying we had asked for that and we didn't quality- NO. We are NOT asking for that, nor have we ever. We quite literally have been asking for the independent broker 's value opinion. We want them to send an independent broker out to get their independent opinion- as is required - on the value of the home RIGHT NOW, so that the PMI can go away that we should not have to be paying every month. This bank is avoiding and lying to us on purpose and we need help. Please help, 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 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a letter from Chase XXXX services stating I was denied their credit card. I informed them that I never applied for their Chase Freedom XXXX. I was told someone on Saturday, XX/XX/2021 appled for the card. I was in the XXXX XXXX XXXX library that day using the computer which I realize is not that secured. It had to happen on that day. Chase wrote me a letter on XX/XX/2021 outlining steps I need to proceed. I was told to go online at XXXX and start the paperwork. 

I check all my other accounts and nothing is happening in terms of theft. I would prefer only a temporary fraud alert at this junction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 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: World Omni Financial Corp.
State: FL

Complaint narrative:
XXXX keeps reporting multiple charge offs on my credit report with multiple debt amounts and duplicated accounts. Its being reported that I cosigned on these debts but another is showing that the responsibility is otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: NC

Complaint narrative:
I recently obtained a copy of my consumer report and noticed fraudulent charges. I am a victim of identity theft and did not make these changes. According to the FCPA pursuant to 15 USC 1692 a ( e ) the term " debt '' means obligation or alleged, Please investigate this matter with a written explanation which I didn't get. According to 15 USC 1681a ( e ) the proper way to investigate a consumer report is to obtain personal interviews with my friends neighbors or associates which I didn't get as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: NC

Complaint narrative:
I recently obtained a copy of my consumer report and noticed fraudulent charges. I am a victim of identity theft and did not make these changes. According to the FCPA pursuant to 15 USC 1692 a ( e ) the term " debt '' means obligation or alleged, Please investigate this matter with a written explanation which I didn't get. According to 15 USC 1681a ( e ) the proper way to investigate a consumer report is to obtain personal interviews with my friends neighbors or associates which I didn't get 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 non-monetary relief
Consumer complaint received 2021-12-14 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: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XXXX/XXXX/21 I purchased a car from XXXX XXXX and only authorized them to run my credit. I did not authorize them to push it to anyone they wanted and they ran it along with the following banks : Huntington N, XXXX XXXXXXXX, XXXX XXXXl and XXXX Bank. Because of them doing this it has caused a major hit on my credit that should not have happened which caused many other things to then happen with my credit. I am trying to repair my credit but it says these hard hits will be on it for two years. I contacted the banks and they said to contact XXXX XXXX and I did that and they said it will be fine by the time I need a new car again. I have bought many cars and this has never happened before. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
I contacted Flagstar Bank, the holder of my mortgage, on XX/XX/XXXX to discuss refinancing and spoke to XXXX XXXX. We verbally agreed to pursue a refinance and I applied, sent in documents, etc. Due to long delays in communication from XXXX, and the loan processor XXXX XXXX, my closing was not scheduled until XX/XX/XXXX. I was already very frustrated at this point as waiting for the refinance to close was negatively affecting my overall finances. However, two hours before closing, I was notified that Flagstar did not have the final closing disclosure ready due to still not having the payoff document from my HELOC ( which was their responsibility to acquire. ) We had to cancel the closing and now, XX/XX/XXXX, two WEEKS later I still do not have a rescheduled closing. My credit score has dropped while I've been in this financial limbo, rates have risen, and Flagstar 's incompetence has XXXX 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 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I previously filed a claim against this company ; claim number XXXX. The creditor responded, but not correctly. The creditor said I didn't sent them a request for debt validation. I've uploaded/attached my debt validation request letter dated XXXX XXXX, 2021. To date, I haven't received a response to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello so on XXXX/XXXX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I was scammed into sending money via Chase XXXX for a rental property at XXXX XXXX XXXX XXXX, XXXX. I first saw the home listed on XXXX and contacted the listed owner, XXXX XXXX, who is in fact the owner on legal record of the home. Unfortunately, his identity and name was being used by criminals. After viewing the vacant property and agreeing to the rental terms, I was given a XXXX account to send two months security deposit and first months rent totaling {$7400.00}. One payment for {$5000.00} went through on XXXX/XXXXXXXX and another payment for {$2400.00} went through on XX/XX/XXXX. On the night of XX/XX/XXXX, while looking at the property again the listing was gone and a new listing appeared on XXXX with a much higher rental price and different contact person, XXXX XXXX. I contacted him and he told me that someone had stolen his fathers identity, XXXX XXXX, and hacked in to the actual listing, using all the data, photos and information about the property. I immediately contact the fraudulent scammer and asked for the money back and he replied, okay. Of course, the money was not returned, the phone number and email associated with XXXX was also fake. I contacted XXXX and Chase And they refused to even file a claim stating I willingly sent the money and they were not responsible.i contacted XXXX which is part of XXXX and they could not give me any information because it was a feed listing from a syndicated source. They did open a claim. I am a Chase Private Client and expected that Chase would protect the people who trust the bank and the services it provides especially when a client is a victim of internet fraud. XXXX XXXX has filed a complaint with the Village and Town of XXXXXXXX XXXX and I filed a complaint with the XXXX XXXX police where I am a resident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Chase Bank is offering a Top Spend Category promotion that is supposed to be available to all Freedom Flex cardholders. I am a Freedom Flex cardholder, but Chase is refusing to honor this promotion. I have attached two screenshots as proof of this offer which is open to everyone holding this particular credit card. I did not see any exclusionary terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Financial services advised me I would have to sign an IRS release for my tax returns in order to keep my account active & open, once I signed the release & before they got the information the locked my account & refused to allow purchases. When I called to find out why, they said it's locked until they get the information from the IRS. In my 20 years I've never had a credit card company ask for my tax returns for verification, I do believe Discover is targeting me because I filed another complaint against them for not apply my payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for ten days without pay. I called Ally Financial to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following Friday which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan officer informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my earnest money deposit. I called Ally Financial and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.

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 2021-12-14 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: GA

Complaint narrative:
to whom it may concern the company reporting the wrong is experian credit reporting they have an account listed as paid/charge off and its keeping me from buying a home the account is with XXXX XXXX the account number is XXXX and the amount charge offed is {$93.00} in which XXXX XXXX says i do not owe any balance they say the account was opened in XXXX of 2010 everybody says i dont owe any money so my thing is why is it still reporting a negative item on my credit report i would like for the credit and said paid account to be removed immediately

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 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: NJ

Complaint narrative:
XXXX, my credit card company, sent my bill to collections in XX/XX/XXXX. The charge off amount from XXXX was {$5400.00}, per XXXX. Client Services, the debt collector, stated the amount owed was {$5700.00}, letter dated XX/XX/XXXX. Not knowing really how much the debt was, i made payments to Client services on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all in the amount of {$50.00} per transaction. I was unable to make another payment until XXXX, XXXX. Client Services is now stating I still owe $ XXXXand that they have no record of receiving any of my first 5 payments. They also can not explain why the amount owed is more than what XXXX states I owe. I tried to resolve this with Client Services, with no resolution.

Company response to consumer: Closed with explanation