vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove XXXX XXXX  from my report asap. This account has been settled and has been promised to be removed by the company but is still reporting on my credit. Which is damaging my credit and making me unable to obtain housing. I have attached a Letter showing sentry credit agreed to remove the account. Please Update as soon as possible. Thanks for your timely assistance and understanding

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 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I want to make you aware of the pain a lot of Americans are suffering due to the BBVA PNC merger. In my specific case, PNC withdrew money from my checking account without my authorization. They unilaterally enrolled me in automatic payments of my mortgage even though I did not consent nor was I informed. My mortgage under BBVA was not set up for automatic payments. So, I paid my XXXX mortgage on XX/XX/XXXX. I had to do it over the phone because PNCs online banking is not working. I paid my regular amount plus a principal curtailment. The payment went through. On XX/XX/XXXX I saw that my checking account had been debited on XX/XX/XXXX for the mortgage. This means PNC took out two mortgage payments the one on XX/XX/XXXX was without my consent. It has been an ordeal to get any kind of customer service. I get bounced around from person to person. Finally, I talked to a representative that admitted that I had not consented to be enrolled in automatic payments. She told me I would be credited. I havent. I called another person and he lied and said he had a written consent I had given to BBVA. I explained that the consent he was referring to was for a construction loan that had been paid off on XXXX but that I never signed a consent form for the mortgage and BBVA had never withdrawn mortgage payments automatically from my account. He agreed with me. It has been 3 days and my money is still gone. They refuse to electronically credit my account. They insist on sending me a check. The amount taken by PNC is close to {$3300.00}. Luckily I can live without that money but what if I lived paycheck to paycheck like many of my fellow Americans? What if because of their greed other payments had bounced? I have been reading comments on social media of other victims. What happened to me happened to others. It seems that PNC has been enrolling BBVA customers on automatic payments without their consent or without notification. My grandma would say this is just plain stealing. 

Banks have been getting away with a lot of bad things for a long time. To make things worse the government keeps allowing all these mergers which have resulted in fewer options and less protections for the consumer. 

Thanks for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to the dispute the negative information/activity reported to the Credit Bureaus dated XX/XX/XXXX. This action resulted from mismanagement of my financial paperwork by XXXX XXXX XXXX. The situation all started when I called XXXX in XXXX, XXXX to update the bank account information where the installment payment is being taken out each month. I requested to remove XXXX XXXX  and replace it with my new bank account at XXXX Bank. I was told that I can schedule onetime payment over the phone till XXXX send me documents to fill out and return back in order to update the bank information to XXXX for future installment payments. During this call, I schedule a payment of {$370.00} which was taken out of my new account at XXXX on XX/XX/XXXX. In the meantime, I received the document from XXXX, which I had completed, signed, and returned back on XX/XX/XXXX. On XX/XX/XXXX, the bank holding our car loan called me because the amount for the month of XXXX was not paid in addition to XXXX. When I told the bank about the issue, they were able to locate my new account information at XXXX Bank and processed the payments for these two months over the phone. I then found alerts from the Credit Bureaus indicating a negative alert posted by XXXX on my credit and my husbands who is also a signer on the car loan. I called XXXX on XXXX XX/XX/XXXX to question the action and I found out that the document which I signed and received by XXXX on XX/XX/XXXX was not uploaded into my file till XX/XX/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 2021-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
On XX/XX/XXXX, I received notification from the GAP insurance that they paid an additional {$600.00} to Ally Bank in reference to the XXXX XXXX XXXX that was destroyed XX/XX/XXXX and subsequently declared a total loss. After being told over the summer by an Ally Total Loss respresentative, Diamond, that if the account was overpaid, I'd receive a refund check within XXXX business days, I was told on XX/XX/XXXX by Cherry ( Reference : XXXX ) that it would now be 60 days until the check was sent. I explained that I would be moving prior to that time and she stated she would have my check expedited and I would have it within 2 weeks. On XX/XX/XXXX, I called and spoke with XXXX who confirmed the check has not yet been issued, 2 weeks later, and that it takes 30 days normally for the check to be issued. Later in the conversation, XXXX stated that it takes 55 days for the check to be issued. Their stories are inconsistent. They had NO problem taking my money within 48 hours when I was forced to pay off the loan to stop interest from occurring after they failed to properly and timely withdraw the money to pay off the loan from my dealership, but now they can't send me my money back in a timely manner after they have now been overpaid again.

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 2021-11-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
1. Release or Satisfaction of Mortgage executed by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, husband and wife in favor of American General Financial Services , Inc., given to secure the original principal sum of {$20000.00}, dated XX/XX/2007 and recorded on XX/XX/2007 in Official Records ( book ) XXXX ( page ) XXXX ( instrument ) MG 2007 XXXX XXXX XXXX XXXX XXXX New Jersey. 
NOTE : This Mortgage is an Equity Line Mortgage. A full satisfaction of same, together XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I recently put a large charge on a Chase Southwest Credit Card. After the charge I received several credit card offers from Chase as well as from other banks that promised a balance transfer with 0.0 % APR. My intent in opening this new card was to do a balance transfer so I combed through the agreements before committing to applying to a card. I decided on Chase because I have been with them for many years. No where in the agreement or terms did were there any limitations on from where the balance transfer could come from. It took over a week for the card to arrive. When I received the card and attempted the balance transfer, It would not allow me to make the balance transfer from another Chase credit card. I called customer service and not one there was able to help me ; I just got an I'm sorry. No where was this stated when I applied for the card. I have excellent credit and could have went with many other banks but decided to stay loyal to Chase because nothing during the application process would have led me to anticipate a problem transferring the balance from another Chase card. I believe this is an extremely deceptive practice. This should have been clearly stated somewhere in the offer agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE AND 1 ACCOUNT THAT IS NOT MINE. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Someone keeps trying to open a credit card work my information through Bank of America ( BOA ). BOA keeps running my credit even though I've told them I'm not 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 explanation
Consumer complaint received 2021-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Ive been current on all my payments to XXXX and it is being listed as late for two months ( XXXX and XXXX ) and that is incorrect.

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 2021-11-03 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: AZ

Complaint narrative:
Ive been current on all my payments to XXXX and it is being listed as late for two months ( XXXX and XXXX ) and that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Ive been current on all my payments to XXXX and it is being listed as late for two months ( XXXX and XXXX ) and that is incorrect.

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 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp.
State: TX

Complaint narrative:
True Accord continues to invade my privacy by contacting me via email without my permission or consent. True Accord rep used obscene and abusive language in an attempt to collect an alleged obligation. I do not have a relationship or contract with True Accord. True Accord has not validated the alleged debt however continues to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
Contacted the company several times leaving voicemails. Still no call back. 
{$790.00} bill This is not my bill, it appear to have been opened around 2016. I want this off my credit because I did not open this account. I have also disputed this account before. It was taken off my credit and it has come back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I took out a student loan with Corner stone loan, before they switched to fed loan servicing I had called to set up payments and they told me that there was no balance on my account. At the same time I took out a loan my mom took out a parent loan and her loan amount showed up. But my loan was gone, she said it didn't show any amount no trace or a loan. I talked to her and further on a manager because I figured it was weird that a loan would just disappear. I have finally got a hold of fed loan servicing after seeing the {$4000.00} loan recently on my XXXX XXXX. I asked the corner stone loan employees and managers multiple times, and they couldn't even tell me what happened but that there was no loan in my name. It also never showed me that I had a loan on my XXXX XXXX app till now, although I do know that anytime you have a loan it shows up. Now that I am communicating with fed loan servers, they do not know what is going on, and will not assist in anyway. I understand I took out the loan but corner stone loan company made a mistake on their behalf, and now they just want me to go back to paying it. When I called to try to pay it off before, but somehow there was no loan no nothing. I am sending this email because the fed loan server a manger whom I talked to said this is the only option I have left. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove XXXX XXXX  from my report asap. This account has been settled and has been promised to be removed by the company but is still reporting on my credit. Which is damaging my credit and making me unable to obtain housing. I have attached a Letter showing XXXX XXXX agreed to remove the account. Please Update as soon as possible. Thanks for your timely assistance and understanding

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 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a checking and savings account in order to receive bonuses for each account. I met all of the criteria but the bank is refusing to pay me the bonus. The promotion states that the offer is eligible to customers who have not had an existing or prior account within the preceeding 12months. I did receive the bonus for the Savings account which has the same requirements. I have called 3 times now and I keep getting the run around on the XXXX dollar checking account bonus. I met the requirements for that on XX/XX/21 per the agent and should have received the money 90 days after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
They are targeting my XXXX old child for preapproved loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit System, I know for a fact that I do not owe your company any money, how could your company collect a debt on behalf of another? I have never done business with National Credit Systems or XXXX XXXX ( Which is the original creditor listed on this false account listed on my credit file ) I am demanding that you remove this account from my credit report at once, it is absurd that your company would put something like this on my credit file without first making sure that it was indeed accurate. Attached to this document I have also provided you with my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: KY

Complaint narrative:
On XX/XX/2021 I had a procedure done at XXXX XXXX XXXX in XXXX, FL. I was given a quote, they billed my insurance, and I payed the bill before the XXXX even took place. On XX/XX/2021 I received a call from a debt collector letting me know that I had an unpaid bill from XXXX XXXX XXXX XXXX in the amount of {$200.00}. I had received no bill, calls, or emails from XXXX XXXX XXXX XXXX regarding this charge. I looked at my online patient portal at the hospital and I had no outstanding charges. After talking with the debt collector, I realized that XXXX XXXX XXXX XXXX had found an address that I had not lived at in years. This address is different than what was on my driver 's license, patient portal at the hospital, registration forms for the XXXX, and insurance. They never tried to call or email me before selling my bill to a collections agency. They never checked with the hospital or my insurance company for my address and I am not sure how XXXX XXXX XXXX XXXX obtained this old address. The bill has now been paid in full as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2021 BMO, representative XXXX advised the XXXX XXXX business checking account had been closed. Without prior verbal or written notification. The attachment provides a XXXX BMO ledger, While, limited contact with the bank has occurred since the account closure. There have been repeat consumer complaints against the bank and/or branch. Those include negligence, harassment along with deceptive business practices. 

The initial occurrence with the bank happened with XXXX ( Branch or Company vice president ). To which most details are available upon request happened during our initial visit alone. However, it was our second visit the executive performed a mind hack or trick, that mirrored a female urinating on a male act while sitting in her office. -disgusting. 

It is believed the harassing business practices which XXXX displayed. Continued to lead the executive to follow my movements throughout parts of XXXX. While for the most part not physically harmful the perception is this practice falls along the line of malpractice, harassment and company negligence.

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 2021-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
After reviewing my credit reports, I found an excessive amount of medical collections on all 3 of my credit reports. These collections do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I submitted a Borrower Defense Application in 2016 to to discharge my loans. I am always told that my application is being reviewed. Since 2016, abundance of interest has accrued. The balance owed is over {$220000.00} for a XXXX I never received from XXXX XXXX. I have asked Navient to forgive these loans due to hardship. But always told the loans will be deferred, yet interest is accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX  dba : XXXX submitted in error with out our consent or authorization inquires on XXXX XXXX XXXX with XXXX, XXXX, Trans Union XXXX XXXX XXXX XXXX XXXX and XXXX. Camping world submitted a letter to have all inquires removed from our credit reports on XX/XX/XXXX. This has not happen with all 3 credit reporting agencies. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-11-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX dba : XXXX submitted in error with out our consent or authorization inquires on XXXX XXXX XXXX with XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Camping world submitted a letter to have all inquires removed from our credit reports on XX/XX/XXXX. This has not happen with all 3 credit reporting agencies. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation