vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYFILED XXXX XXXX {$18000.00} XXXX XXXX {$3000.00}

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 2020-06-17 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:
Experian should not be reporting a collection/chargeoff in the amount of {$390.00} on the XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account number and opening date on this account has been changed and the reporting date has been moved forward. This is a total violation of the Fair Credit Reporting Act. The FCRA mandates that accurate information be reported on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am attempting to set up an account with XXXX for personal investment and PNC National Bank, isn't allowing me to link my checking account with them to begin investing through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: CA

Complaint narrative:
On XXXX XXXX I purchased 9 tickets from XXXX for an XXXX game between the XXXX XXXX XXXX to be played on XX/XX/2020. A week after making that purchase California had state wide Shelter in Place order. I immediately contacted XXXX via phone and email with no response. I then contacted Capital One credit card service and filled a dispute. I was issue a temporary credit which has since been reversed. I submitted paper work showing proof of purchase as well as a statement regarding my refund. Capital One responded but saying that their hands were tied if XXXX didnt have a agreement with me regarding a refund or credit. Both XXXX and Capital One have been unhelpful in resolving this issue and Im currently unemployed and out of {$900.00} because two major companies can care less about their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Amcap Investments, LLC
State: TX

Complaint narrative:
After we closed on our home XXXX XXXX XXXX XXXX TX ( XX/XX/XXXX ) the very next day, the realtor ( XXXX XXXX ) changed the locked on the home I purchased because XXXX XXXX ( branch XXXX for XXXX XXXX home loans ) said I owed an additional {$1000.00} to the title company. At the time of closing, I paid exactly what XXXX 's email stated I should bring to closing. Then after I closed, the realtor changed the locks on the home. 

XXXX stated we would not have to pay taxes on our home because my husband is XXXX. We lived in the home for 3 months in XXXX and had to pay between $ XXXX {$9000.00} in taxes for XXXX. For some reason at the closing, the taxes were not paid for in XXXX and were charged to us in XX/XX/XXXX. The mortgage company XXXX XXXX   paid the taxes on our behalf ( XXXX XXXX ) but we were unaware that the taxes were not taken care of for the time period we did not live in the home ( XXXX XXXX - XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: GA

Complaint narrative:
I have disputed this error a number of times. Either Equifax or XXXX XXXX can not grasp what XXXX XXXX has done. I had a collection account with XXXX XXXX XXXX XXXX ( account number XXXX ). When I made arrangements to pay the last {$900.00}, XXXX XXXX XXXX XXXX set up a separate account number for me to make those payments ( XXXX ) I completed those payments and this account shows a XXXX balance. 

BUT THEY LEFT THE FIRST ACCOUNT ON MY BUREAU WITH A BALANCE OF {$900.00}. This is a violation of my Fair Credit Reporting Act Rights. And since I have now disputed it 3 times, it should be considered an act of " willful negligence '' which carries punitive damages with it. 

How many XXXX XXXX XXXX XXXX customers have old collection balances that they have already paid, sitting on their credit bureaus because of this internal process of creating a separate account for paying them off? How many credit scores are artificially lowered due to this negligent act? 

This would be a prime example for the CFPB to publish on Consumerfinance.gov so that other consumers aren't sucked into the negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Due to being at high risk for contracting COVID-19, I was not able to enter the bank branch to withdraw cash. I did not have my debit card, so I used my credit card to access the ATM to withdraw cash. The ATM ONLY disclosed that a higher APR would be charged to withdraw the cash, but did NOT disclose that there would be additional fees related to the amount of the cash withdrawn as a cash advance fees. I discovered these fees on review of my statements today and attempted to request a waiver from the bank. The request was denied as to all but one transaction fee of {$10.00}.

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 2020-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the following account with XXXX XXXX : XXXX XXXX. Account # XXXX. Date opened XX/XX/2015. Credit limit {$420.00}. Balance {$0.00}. Status : closed. 

Experian keeps on reporting this related to fraud account. 
I tried to solve this matter with them, but they have refused to remove the item, when I even have proof that the account was fraudulently opened! 

I am demanding, once again, this item to be removed from my records. 

Please, send the attached documentation to Experian.

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 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
This company continues to act in bad faith. They said they would dispute the account and did not, in fact they reapplied it to my credit versus disputing. They said I would receive something in the mail I have not recieved anything. This company continues to provide false responses and reports to my credit without my knowledge and when I found out they reported without my knowledge I have suffered great finicial loses and opportunties that I can not rebound from. Keep sending the same information over and over, but it is all false resolutions. They are just telling the CFPB whatever they can versus assuming responsibilty for their actions. 
I should not have to provide them anything, since they have a supposed right to destroy American citizens credit and livlihood through the credit bureas they also have the ability to view them and see. Once again, false repsones. This is an agency that is making false results and continueing to operate in bad faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hello, I open an investment account with XXXX and when is time open the an account, XXXX apllication prompt me to log in to my bank account ( PNC ) and after logging in, PNC send me a 6 digit code for verification. upon putting the code, the application prompted me for a code again and when putting the code in, a message from PNC will appears that " PNC is blocking access to XXXX to access my checking. I called PNC and the person that answer the phone said to me that a security layer is in place across all account and this could prevent the access. He said that she will file a complain on my behalf and a few hours later, I got a call from XXXX XXXX telephone XXXX case # XXXX and XXXX implied that there is nothing wrong with my account and left me with no answer. And that's the reason why I am filling a complaint. 

Below is the replied message from PNC after account could not being link and denied On XX/XX/20, PNC Bank received a request to link one or more of your PNC Bank account ( s ) to an online or mobile financial service.

If you don't recognize this : Change both your user ID and password so they are unique to PNC by signing on to PNC Online or Mobile Banking. Call us at XXXX to report unauthorized activity. 

This alert was sent for user ID ending in XXXX. 



Thank you for banking with PNC Bank. 



This mailbox is not monitored. Please do not reply. Account-related questions can only be answered via secure forms of communication such as our Online Banking Message Center. Please sign on to send us a secure message. If you would like to speak to Customer Service, please call XXXX ; Monday through Friday XXXX XXXX. to XXXX XXXX, and Saturday and Sunday XXXX XXXX XXXX XXXX XXXX ET. 



XXXX XXXX to view our privacy XXXX XXXX XXXX XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: PA

Complaint narrative:
Can't connect. Pnc says you have to manually put in your bank info but there is no place to do that. I will be changing banks if I can't get reconnected with these apps. No other bank had these issues..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PCR Group
State: GA

Complaint narrative:
Original Creditor XXXX XXXX XXXX XXXX Attempt to dispute on various occasions Company continue to sell a old debt to various sourcing companies with out my permission resulting in opportunist sourcing companies without my permission to sale, resulting in an appeared refreshed year to reflect as a new account resulting in tarnished credit file. XXXX  XXXX XXXX had stopped reporting to the bureaus as clear from XX/XX/XXXX to XX/XX/XXXX after being disputed in XXXX. XXXX  XXXX reversed the XXXX balance owed 10months later and after another dispute was done and after another 30 day investigation they decided to sale it to another company resulting in the issue we have today. There has also been times when ACCOUNT ADJUSTMENT BUR each month would purposely double report and sometimes 3 times report within the same month like it was a glitch on all 3 XXXXredit bureau 's Account Name ACCOUNT ADJUSTMENT BUR Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date Opened XX/XX/XXXX Balance Updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
American Honda Finance Corporation violated consumer rights and Virginia Consumer Protection Law under Virginia 's 6.2-2217 for Limited Recourse ; repossession and sale of motor vehicle. After repossession of leased vehicle on XX/XX/XXXX, with account no. XXXX, Honda Financial never comply with Virginia Law by sending a timely Notice of Proposed Sale with date, time, and location of sale prior to such sale. By not informing the consumer, XXXX XXXX XXXX, as required by Virginia Law, Honda Financial denied the consumer the opportunity to buy back the vehicle. Every notice Honda Financial sent the consumer was dated and after the fact and as such did not comply with Virginia Law. Consumer sent several letters and requests for the timely notification which Honda Finacial has failed to provide to date.

By not allowing buy back at sale, consumer was not able to initiate process to pay off remaining balance account with alternative lending which was being explored. Consumer is now paying balance even after violation of his rights. Further, these actions by Honda Financial are being reported to credit bureaus as charged off account, when again consumer was not provided with opportunity to address based on lack of required timely notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: CA

Complaint narrative:
I have recently checked my credit report with Experian, XXXX, and XXXX  and discovered that XXXX XXXX XXXX reported 30, 60, 90 days past due as of XXXX, XXXX, and XX/XX/2019. My credit report 's true and accurate creditworthiness has been damaged by XXXX 's wrong reporting. I never had a single 30 days late payment on my XXXX account since I leased my car. I resolved this issue with XXXX XXXX XXXX and XXXX XXXX XXXX agreed to send a request to the credit reporting agencies to remove these late payments and update my XXXX XXXX XXXX account and bring it to a current status. I called Experian reporting agency and talked to different representatives and they did a three-way conversation with XXXX XXXX XXXX representatives. The XXXX XXXX XXXX representative approved that there is no single late payment reporting as of XXXX, XXXX, and XX/XX/2019. Afterall, the Experian reporting agency refused to resolve this problem.

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 2020-06-17 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: FL

Complaint narrative:
I have requested XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the disputed accounts accounts # XXXX and # XXXX ( see attached CFPB complaint ). Please investigate and delete these false disputed accounts.

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 2020-06-17 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: FL

Complaint narrative:
See attatched XXXX Tracking proof of delivery reciept sent to all three Credit Reporting Agencies. XX/XX/XXXX. see attatched FTC ID Theft case XXXX. I FOLLOWED FTC GUIDELINES TO NO AVAIL. Kindly Note CFPB XXXX-XXXX  submitted XX/XX/XXXX DISMISSED ISSUES. CFPB XXXX XX/XX/XXXX DISMISSED ISSUES. see attatched Letter Dated XX/XX/XXXX due to my XXXX & no on line access. REQUESTING ( ** Despite written requests the unverified still remain on my credit report in violation of Federal Law. You are required under FCRA to ** have a copy of the original signature creditors documentation on file to verify that this information is mine and correct. ) You have NOT provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verificatiion as required under SECTION 611 ( a ) ( 7 ). Please be advised that under SECTION 611 ( 5 ) ( A ) of the FCRA - you are requied to ... .. promply DELETE all information which can not be verified.See attatched EXPERIAN RESULTS XX/XX/XXXX. I DID NOT REQUEST A BLOCK. Kindly Note EXPERIAN VIOLATES FEDERAL LAW. CLEARLY THEY DO NOT HAVE MY VERIFICATION CONFIRMATION ON FILE.Kindly note XXXX ACCOUNT NUMBER CHANGES Letter XX/XX/XXXX CONFIRMS account end XXXX XX/XX/XXXX confirms account XXXX AND NO FIX. I DID NOT OPEN THESE ACCOUNTS.

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 2020-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
The closing date for our mortgage was XX/XX/XXXX. On XX/XX/XXXX at XXXX we received a phone call from XXXX XXXX at USAA stating that she forgot to submit the closing disclosure form and that we were not able to close until Tuesday XX/XX/XXXX. This not only displaced us but also held up the closing of three other homes as the sellers of our new home needed the funds from the sale to buy their new home. The communication with USAA was deplorable. I had to call USAA Friday morning spent hours on the phone and was told at XXXX that the CD still had not been submitted. Our closing was ultimately delayed due to what USAA called a human error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 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: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I have disputed this error a number of times. Either XXXX  or Military Star can not grasp what Military Star has done. I had a collection account with Military Star Credit Union ( account number XXXX ). When I made arrangements to pay the last {$900.00}, Military Star Credit Union set up a separate account number for me to make those payments ( XXXX ) I completed those payments and this account shows a XXXX  balance. 

BUT THEY LEFT THE FIRST ACCOUNT ON MY BUREAU WITH A BALANCE OF {$900.00}. This is a violation of my Fair Credit Reporting Act Rights. And since I have now disputed it 3 times, it should be considered an act of " willful negligence '' which carries punitive damages with it. 

How may Military Star Credit Union customers have old collection balances that they have already paid, sitting on their credit bureaus because of this internal process of creating a separate account for paying them off? How many credit scores are artificially lowered due to this negligent act? 

This would be a prime example for the CFPB to publish on Consumerfinance.gov so that other consumers aren't sucked into the 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 2020-06-17 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: GA

Complaint narrative:
MY INFORMATION WAS USE TO APPLY FOR CREDIT CARDS AND AUTO LOANS AND SEVERAL FRAUDULENT ACCOUNTS MY SOCIAL AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020 mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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