vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 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: MO

Complaint narrative:
On XX/XX/XXXX I decided to pay my loans off. So I use my bank loans website ( XXXX XXXX XXXX  ) to make the transaction and pay my loans off. Few hours later I checked the website and the transaction had disappeared. I assumed it didnt go through since it was a high value. 
I went to PNC Online banking and started an online chat. The agent said the limit for transactions was 10 thousand but I could use bill payment if I wanted to pay a higher value. So I added XXXX XXXX XXXX as a payee and made a payment using Online bill pay. 

On XX/XX/XXXX I noticed that BOTH transactions went through ( more than 32 thousand ) and my account was overdrawn in 15 thousand ( The PNC bank authorized an overdrawn of 15 thousand without even calling me ). So I immediately called the PNC Bank and put a stop payment on one of the transactions. On the phone call I specifically said to stop the on made through the ONLINE BILL PAY ( If the call is recorded you can check that ), I did not authorize to cancel the other transaction. 
One of the transactions were reverted and I receive 16 thousand back, but for my surprise, the transaction canceled was the one I made through the XXXX XXXX XXXX, not the one I asked ( through online bill pay ). 
XXXX XXXX XXXX reopened my loan since the transaction was reverted, and they say they didnt receive the other transaction. Since then Ive called PNC many times. First they said the money was in the way and I had to wait. In a second call they said they said that the account number that I used in my online bill payment was wrong ( which I doubt ), Ive started a disputes ( twice ) and they keep closing my dispute without solving my problem. 
I feel like the bank is not taking my problem seriously, its more than 16 thousand missing in my account, each day passing the interest is being build on my loans ( more than {$3.00} per day ). Ive also been in one of the branches in person, they keep saying that someone is going to call me, but no one ever did. 

Beside the interest being build in my loans, the stress of not having the money in my account is affecting my personal and professional life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have called and sent letters asking to remove incorrect addresses from my credit report and they refuse. I sent current address documentation. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: F.H. Cann & Associates, Inc.
State: NJ

Complaint narrative:
I have not received an accurate pay-off figure in writing for the debt I am being asked to pay. I have received a total balance demand with no supporting evidence of amount applied from Social Security garnishment or tax rebate applied, which was also garnished. 
Enclosed is all the information I have received. XXXX no longer has my account available on their website. I want to receive information in writing from FH Cann or the US Dept of Education. 

I sent a formal request for information using the sample letter provided from this web site on XX/XX/XXXX. I also asked in writing to receive all correspondence through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/2019 I sent Lexis Nexis a method of verification letter for a erroneously reporting Bankruptcy on my Lexis Nexis file, which has been confirmed was received on the morning of XX/XX/2019. Per FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I have disputed the accuracy of this item on multiple occasions. I have asked Lexis Nexis to verify this information with the furnisher or original creditor on multiple occasions. Lexis Nexis has stated its been verified previously but when I contacted the U.S Bankruptcy Court XXXX XXXX XXXX XXXX  to find out how this erroneous item got reported on my credit report, they informed me that they DO NOT SHARE ANY KIND OF INFORMATION WITH CREDIT BUREAUS OR THIRD PARTIES. So, Lexis Nexis did not and has not complied with the FCRA rules of verification. Furthermore and most important they have not complied with the FCRA rule stated above and provided me with the method of verification within the time frame allotted. Therefore this item needs to be immediately deleted and confirmation of its deletion sent to me within 15 days. At the time of submitting this complaint I haven't received any communication concerning this from Lexis Nexis. Please insure my rights are protected from any further harm this has already caused me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: FL

Complaint narrative:
I been witting to equifax, to fix issues with in my credit, they just don't bother to respond, i have mail already 4 letters with a copy f my driver license and social security card and they don't respond or refuse remove the errors Personal information..I never ever lived in any of this places XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Personal statement ( I NEVER REQUESTED THIS ) Statements Personal Statement ( s ) FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE Inquires Not Done by me, no authorization either verbal or written XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX National Credit Card Cos.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have called and sent letters asking to remove incorrect addresses from my credit report and they refuse. I sent current address documentation. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, MO 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 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have called and sent letters asking to remove incorrect addresses from my credit report and they refuse. I sent current address documentation. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, MO 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 2019-07-09 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: MS

Complaint narrative:
It started on XX/XX/2019 I initially sent in a letter to Equifax challenging incorrect names and addresses misplaced upon my credit report. To follow up on XX/XX/2019 I sent my FTC identity notice and identity theft report in regards to fraudulent names, addresses, and inquiries. I received multiple responses from Equifax claiming to have deleted said names and addresses as well as inquiries. I have pulled an updated report and such addresses are still reporting and showing on my credit report even after receiving documentation on XX/XX/2019 and XX/XX/2019 that said addresses have been deleted and credit report updated. This is/was a false statement because these fraudulent addresses are still reporting and attached to my credit report. The addresses inaccurately reporting and do not belong to me and or related to me are ( XXXX XXXX XXXX XXXX XXXX, MS XXXX ) ( XXXX XXXX XXXX XXXX XXXX, FL XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 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: MI

Complaint narrative:
I contacted Navient about a loan forgiveness because of the intuition I attended that they we're shut down of there practices and no one would help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
This account was Closed/ Write-off in XXXX and removed from my credit score. Capital One has now turned around reopened this account and put it back on my credit report with a different date and different collection company. I I have not has a credit card with Capital One at any time in XX/XX/XXXX. This is false and extremely hurting my credit score. I have not ever received anything in the mail from Capital One saying I owe them anything or borrowed {$430.00} from them in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Need an old loan removed from the title of my mom 's mobile home. She has passed away and I am the personal representative of her estate. It was a 15 year loan for {$10000.00} originated in XXXX which would have paid off in XXXX however never released. I called XXXX XXXX on XXXX, informed the customer service representative what I needed and she informed I can not speak with the lien release department however gave me an email address to send supporting documentation ( XXXX ). Tried to email several times however, failed every time. Called back and spoke to XXXX/CSR and she gave me a fax number of XXXX and on XXXX faxed request and all supporting documentation. On XX/XX/XXXX spoke with XXXX/CSR to follow up on request and she informed me she can not speak with the lien release however would email XXXX and one of them would call me back. Never heard from them. On XXXX tried XXXX XXXX extension however got XXXX who was not helpful at all. I asked to speak with a supervisor and she transferred me to XXXX which again showed no interest in helping. Just told me to fax the documentation again. Every time I call I have to tell my story all over again and if no one can speak with the lien release department how can this issue get resolved. I XXXX the fax number and confirmed it belongs to XXXX and see other complaints regarding this same issue. I also called Bank of America because the title showed XXXX XXXX XXXX XXXX, they immediately assigned me a case number and within 24 hours responded to my request and was told loan was transferred to 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 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One is reporting a business credit card account on my credit reports that does not belong to me. This credit card account belongs to the corporation, XXXX XXXX XXXX XXXX, XXXX. Admittedly, I was a minority shareholder for this company, however, I didn't sign for this card. Thus, I am not the responsible party. In XXXX of XXXX, I wrote Capital One a letter explaining that I didn't sign up for this card and in my letter I requested the original contract bearing my signature. In Capital One 's response, ( please see attached ) I didn't receive a copy of the original contract or any other documentation that makes me the responsible party. Finally, on XX/XX/XXXX I called and spoke with a Capital One XXXX, XXXX, ID # XXXX. Basically, XXXX stated that there was no signed contract and that the account was established online using my information. Please keep in mind, in the most recent XXXX data breach, all of my information was accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2019 I came to the branch of Citibank in XXXX, IL with my husband XXXX XXXX to open an account in the offer sent to me by email ( attached ). After waiting with my husband for over 30 min I was greeted by the banker XXXX XXXX at the branch. Mr XXXX proceeded to confirm that I was sent the offer as it was sent in referring to my card # XXXX and then he was able to locate it in the database. However Mr XXXX refused to open an account stating that the bank already operates on next business day, the XX/XX/XXXX schedule thus the offer is no longer valid ( the offer expiry is XX/XX/2019 ). Subsequently he wanted me to get a different offer with smaller amount of benefits which I refused. When my husband insisted that the offer was valid according to the terms and conditions attached to it the branch manager XXXX XXXX got involved with the issue. Since we didn't have to copy of the offer with us Mr XXXX insisted that the offer didn't exist. 
We left the branch. 
Since the offer was extended to me, I applied on this online the offer was stopped stating that I have to visit a branch since I am not a US citizen ( I am a citizen of XXXX and legal US XXXX ). It appears that the bank doesn't make a distinction between US XXXX and US XXXX and puts all XXXX XXXX into the same bag while using discriminatory practices resulting in denial to open an account and steer them into other products, a classic definition of red lining. I have several questions to Citibank : 1 ) Do the personal bankers in branches have a different commission structures depending on the items they are selling? 
2 ) If yes what is it? 
3 ) Why the personal banker would find the product and then the branch manager would deny the product exist? 
4 ) Is the Citibank 's strategy to direct different products to different national or race groups ( as my case clearly shows ) and what are the benchmarks used to achieve that? 
5 ) Why the Citibank 's application process doesn't make a distinction between US legal XXXX and none XXXX that are not while treating all foreigners alike? 
6 ) If the certain products are clearly designed to serve US XXXX only, why this distinction not made on its online application process instead of directing the applicants to the branches to be offered different products? 
7 ) Since the offer extended to me is clearly indicated as XX/XX/2019 calendar date, are there a two sets of benchmarks that the Citibank is using ( one for external consumption and one for internal ) thus giving the bank a defacto excuse not to honor the offers?

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 2019-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: MN

Complaint narrative:
There were a couple months I was $ XXXX {$100.00} late on my payment. A few days after the due date, they call both my co-signer and me up to 10 times a day between the hours of XXXX even if we have already talked to them and explained the issue that day. We have told them many times to stop calling multiple times and they dont.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2019 bank of America illegally closed my checking account and on at least 6 times I went into branch and called corporate office only to get yelled at and called nasty names they refuse to give my my funds back on this account I have a whiteness to everything I just want my money

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 2019-07-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. Auto Sales Inc.
State: SC

Complaint narrative:
They over charged my account with falsified chargers and turned my car off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
I received a summons to court on XX/XX/XXXX by a sheriff to my home address. I was not aware of the account they were trying to collect debt on. I went to the XXXX XXXX, XXXX website which had my supposed account. There I saw the account that they were suing me for. The account is past the SOL. There has not been a payment since XXXX to XXXX XXXX. I was going to through bankruptcy and it did not work out. I asked to enforce the FDCPA and everything went unanswered. I have called them. I was told that my debt was too old to sue, but they could collect money or report to the credit bureaus. I was shocked to find out that I was being sued. I do not have any communication with them within the last year. The account on the XXXX XXXX Website had two payments. One on XX/XX/XXXX for {$21.00} and XX/XX/XXXX for {$94.00}. These are not payments that I made as I had no communication from them. These are fraudulent details to help restart the time limit to sue me. I can provide bank statements for those time periods and show that no payment was made to XXXX XXXX, XXXX and they have no right to collect this debt. They have Zarzaur & Schwartz suing me in my local probate court. They know that they can not as I have made no payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Original closing figures differ from our final closing figures and TIAA Bank could not or would not explain why. The bank delayed giving us our final figures until one day before our closing. They also gave us an appraisal that was {$3000.00} less than what we paid for our home and we had to come up with {$3000.00} more for our closing. Poor business practice. We contacted the bank XX/XX/2019 to request our one time FREE float down from on our XX/XX/2019 interest rate lock in. From XX/XX/XXXX - XXXX, 2019 the bank senior mortgage loan officer could not or would not explain why we lost lenders credit. Original lenders credit was {$4800.00} our final lenders credit was {$3400.00}. We lost {$1300.00} with no explanation except I do not want to bore you with the details but you are getting a great interest rate. Our original lock in was 4.75 % and was reduced to 4.25 % WHICH was suppose to be our one time FREE float down. So how did we lose lenders credit? The only thing we can believe is that we were made to pay for our one time FREE float down since we got no other explanation. We had no time to go to another lender. Contractual we had to close on XX/XX/2019 or stand to loose our home to the builder. Unfair business practices to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I open a new account with American Express in XX/XX/XXXXand has made over Four payment which has not been reported to the credit report bureau. 

American Express are not reporting accuracy information to the credit bureau.

Company response to consumer: Closed with explanation