vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 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: NJ

Complaint narrative:
I am a long-time customer at PNC Bank

. On XXXX XXXX XXXX, I attempted to make a XXXX transfer of {$500.00}. In error, two digits were transposed. A few days later, the recipient called to inform me they had not received the funds yet, which prompted me to call the PNC bank to report the issue as soon as possible. Prior to contacting PNC Bank, I tried reaching out to the phone number the funds were sent to in error and had no luck. PNC Bank took in my XXXX  dispute and advised me an investigation will take place and someone would contact me. 
As of today, XX/XX/XXXX, no one from PNC Bank has reached out, however I received a letter dated XX/XX/XXXX stating my claim was denied because according to their investigation, " The Transfer was valid and processed as instructed ''. 
I decided to contact PNC Bank to inquiry about the claim determination and to understand how this " investigation '' was handled when they never called me. I spoke to someone named XXXX, she transferred me to someone else named XXXX. XXXX then told me that the investigation was done by validating the information I had input while the transfer was being done through the online banking portal. To my surprise, I can not understand how they considered this an investigation because I told them it was a valid transfer that I was making, however it was sent to the wrong person ( I guess, I conducted my own investigation ). I also questioned her about how PNC Bank protects their customers from situations like this, and if there is no protection for the customer, then why are they providing such service? She stated the service is protected, however only for Unauthorized charges, which makes absolutely no sense to those who are conducting authorized transfers. She then transferred my call to someone named XXXX which stated she would escalate my complaint and have someone call me. 
As a long-time customer, I shouldnt feel the need to be treated this way ; I made a mistake and did what I thought was RIGHT, but here I am- out of {$500.00} because PNC Bank offers a service at the expense of their customers. PNC Bank shouldnt promote a service they can not back up or offer consumer protection- this should be illegal. 
I would like for the {$500.00} to be credited into my account as soon as possible- thank you. 

I can be reached by phone XXXX or email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Since XXXX of XXXX I have yet to received a response from Equifax from ANY investigation. They have continued to violate my rights and stall me out. I have sent multiple letters and multiple disputes and haven't heard back. This is so ridiculous! I am a single mom working hard to buy a home and they don't even have the decency to respond? I GAVE THEM AMPLE TIME. I believe this company should seriously be investigated for consumer violation. They are reporting incorrect information defaming my character and its hurting my life. I am XXXX single mother of a XXXX XXXX XXXX. I am working hard everyday to make sure I have a fighting chance in this world of inflation. All I asked was to be treated like my concerns was considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I did sent the paid off amount {$14000.00} XX/XX/2022 Casher Check XXXX  Overnight The check was received XX/XX/2022 and cashed the same day. I did called several times and asked where is my title, they never provide the information, After several conversation with customer support, they told the check was cleared XX/XX/2022 with totaly different amout {$13000.00} it was {$300.00} less than was paid. 
I had a several conversation with all different managers but never had explanation, when I can receive my title, According to lease agreement and paid off the NJ XXXX {$850.00} and purchase option fees {$300.00} was included but they ask me to pay more and I paid extra {$200.00} so far is amount {$14000.00} but they still want more and more funds. 
It is already 30 days since the payment was made but title never been send. 
If you need more information please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: MA

Complaint narrative:
Under 15 U.S.C 1681b - permissible purposes of consumer reports ( a ) IN GENERAL - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instruction of the consumer to whom it relates. 

I never gave Transunion Consumer Solutions any written consent to report anything on my credit report. NO CONSENT IS IDENTITY THEFT. 

On the date of XX/XX/2022 I sent Transunion Consumer Solutions a Affidavit because I discovered multiple errors and incongruencies after review of the consumer credit report. I required that they supply me with sufficient information validating and verifying all accounts on the credit report otherwise they are required to delete all accounts on the credit report. They have never supply me with sufficient information and they continued to report negative and defaming information. I do not agree with their actions. They were given 30 days and after no response I sent an Opportunity to Cure on XX/XX/2022. In which they were given another XXXX where I required they delete all accounts on the credit report and a XXXX score reflecting my open credit. I did not receive a response after and the Notice of default went out on XX/XX/2022 in which they were given another 10 days. Transunion Consumer Solutions is in complete violation to the Fair Credit Reporting Acts and it is causing me great stress because due to XXXX it has been hard on my family and me with getting denied credit due to the incongruencies on the report. 

There non-response means they do not have anything on file to validate and verify the any and all of the accounts on the credit report and they can not provide a certificate of financial statement signed under penalty of perjury from any alleged creditor that there is a debt.

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 2022-06-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
2.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Receivables Solutions
State: TN

Complaint narrative:
I was sent to collections by XXXX XXXX XXXX XXXX in XXXX TN for an outstanding balance of {$140.00} that I was unaware of. As soon as I was made aware of the debt I paid the full amount online in XXXX of 2022. I spoke with an employee of Accelerated Receivables Solutions on XX/XX/XXXX and explained this. I asked for verification of the debt and provided them with the reciept of payment via email. As of XX/XX/2022 I am still receiving calls, messages, and texts from ARS attempting to collect a bill already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I received an email from LVNV Funding LLC on Wed XXXX XXXX, XXXX. LVNV Funding LLC are debt collectors demanding a debt on behalf of XXXX XXXX XXXX  XXXX. I have not received any goods or services from LVNV Funding LLC, and I do not know how LVNV Funding LLC received my private information. 
Upon checking my credit report LVNV Funding LLC flagged my credit on XX/XX/XXXX with unverified collection activity. LVNV Funding LLC did not honorably submit their demand for funds through the US Postal service to allow me to properly dispute their claim of {$610.00} owed to them. I did not authorize LVNV Funding LLC to use my email address or social security number to damage my credit files. 
LVNV Funding LLC do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to LVNV Funding LLC XXXX 
I am not a party to any agreements that LVNV Funding LLC may or may not have with XXXX XXXX XXXX  XXXX A. I am not responsible for LVNV Funding LLCs purchase / transfer from XXXX XXXX XXXX  XXXX. I have not agreed to pay/tender anything to LVNV Funding LLC XXXX 
LVNV Funding LLC reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither LVNV Funding LLC or XXXX XXXX XXXX  XXXX. are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/22 {$2300.00} I submitted payment for my rent using my debit card on accident in my resident portal. My rental company told me there's nothing they can do on their end and that I need to dispute it with my bank, get it refunded, and then submit payment with the correct card. 

I followed those instructions and on XX/XX/22 I received notice my claim was denied with no explanation from my bank. 

I called the bank and the " Customer support '' person just kept telling me there's nothing they can do to help me even though my bank is in the negative and I've been back and forth repeatedly with my rental agency telling me this is what I need to do. He said that it's already been closed by some power-that-be at the bank. 

Inexcusable lack of customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report 2.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3 FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 explanation
Consumer complaint received 2022-06-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2022 I sent a letter to the credit bureaus using the CFPB Dispute Template to investigate inaccurate and unknown items on my consumer credit report. I was initially supposed to receive a timely respond within 30 days which would have been XX/XX/2022. Unfortunately, XXXX was the only timely response I received with full documentation of my consumer credit report. I felt like I was being taken advantage of and have been ignored by these trustee of my needs as a consumer. This is a violation of 15 U.S.C 1681 Section 611 ( a ) ( 1 ) and 623 ( 9 ) ( b ) ( 2 ), which states that failure to investigate these items within the 30 day timeframe prompts immediate removal of these items from my consumer report. I demand these accounts be deleted or I will file arbitration/litigation due to duress and stress impose upon me. I have served the bureaus yet again, which I shouldn't have to do so in order to further my concerns and seek remedy for these inconveniences. I will leave the Certified Mailing Tracking for the SECONDARY notices sent out, due to failure of this fiduciary obligation by these entities. 
XXXX : XXXX Equifax : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2022 I sent a letter to the credit bureaus using the CFPB Dispute Template to investigate inaccurate and unknown items on my consumer credit report. I was initially supposed to receive a timely respond within 30 days which would have been XX/XX/2022. Unfortunately, Experian was the only timely response I received with full documentation of my consumer credit report. I felt like I was being taken advantage of and have been ignored by these trustee of my needs as a consumer. This is a violation of 15 U.S.C 1681 Section 611 ( a ) ( 1 ) and 623 ( 9 ) ( b ) ( 2 ), which states that failure to investigate these items within the 30 day timeframe prompts immediate removal of these items from my consumer report. I demand these accounts be deleted or I will file arbitration/litigation due to duress and stress impose upon me. I have served the bureaus yet again, which I shouldn't have to do so in order to further my concerns and seek remedy for these inconveniences. I will leave the Certified Mailing Tracking for the XXXX notices sent out, due to failure of this fiduciary obligation by these entities. 
Experian : XXXX XXXX : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DCI Credit Services, Inc.
State: MN

Complaint narrative:
I am writing for your help in addressing the problems I am having with DCI Credit Services , IncXXXX ( XXXX XXXX XXXX XXXX ND XXXX XXXX ) On three separate occasions they have taken money paid on a debt and misapplied the payment to incorrect accounts. 
For all my payments I have instructed in person ( via phone ) their office how to apply each payment. 
I was given confirmation numbers and assurances that the money was being applied correctly only to find out the next month that the payments were made to the wrong accounts. 
They continually blame their posting department and failed to make the necessary corrections. 
I have no record from them of what my total debt was and how much i have paid or where my payments were applied. 

I am asking your department to conduct an investigation into this company and protect me from further fraudulent misplaced payments. 
At this time I have no idea what I owe and what has been paid or where it has been paid to. 
I have not received any satisfactory explanation from the company. 
I have no clear records of what has been paid and to where my payments have been applied. 


Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
in accordance with Fair credit reporting act XXXX has XXXXiolated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions

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 2022-06-10 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1 FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
13 FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX & XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
in accordance with Fair credit reporting act XXXX has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
in accordance with Fair credit reporting act XXXX has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions

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