vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 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: IL

Complaint narrative:
PNC Bank doesn't allow me to make payments using XXXX anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: CA

Complaint narrative:
I am filling this report because I was made aware of two accounts reporting on my credit that are not mine. The reason I even had my credit ran today XX/XX/20 is because I am trying to help my daughter get a home loan as her co-signer but when the loan officer ran my credit he told me there was an account from XXXX XXXX XXXX  XXXX anXXXX XXXX from XXXX XXXX XXXX reflecting badly on my credit and that I would not be able to co-sign. I did not open either of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: CA

Complaint narrative:
I am filling this report because I was made aware of two accounts reporting on my credit that are not mine. The reason I even had my credit ran today XX/XX/20 is because I am trying to help my daughter get a home loan as her co-signer but when the loan officer ran my credit he told me there was an account from XXXX XXXX XXXX  XXXX and one from XXXX XXXX XXXX reflecting badly on my credit and that I would not be able to co-sign. I did not open either of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized 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 2020-06-29 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: CA

Complaint narrative:
I am filling this report because I was made aware of two accounts reporting on my credit that are not mine. The reason I even had my credit ran today XX/XX/20 is because I am trying to help my daughter get a home loan as her co-signer but when the loan officer ran my credit he told me there was an account from XXXX XXXX Co XXXX and one from XXXX XXXX XXXX reflecting badly on my credit and that I would not be able to co-sign. I did not open either of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized 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 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XXXX XXXX  a third party transferring service does not allow me to link my account from PNC to cash app. It shows a screen that says my account has prevents me from being able to link accounts and I could file a complaint with you cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
I am writing to inquire if you could help me with an aggressive collection company named XXXX XXXX XXXX. 

The credit card debt from my Bank XXXX XXXX XXXX card ending in ==== was originally sold to a company named XXXX XXXX. 

They have sold my debt to several collection agencies or attorneys. I started paying on this debt which was over {$10000.00} in XXXX. I have always been consistent in my payments. 

I am XXXX and work part time as my condition permits. I have limited set income each month. 

In XXXX, XXXX XXXX XXXX took over the debt and demanded I pay XXXX per month for their two year contract because their contract was up in two years and they threatened a new company would make me pay a larger monthly payment. 

Since XXXX has taken over the debt they have bullied me into thinking I had to pay them as high at {$130.00} per month in order to keep my account current and no action to be taken. 

Since COVID 19 they have not offered me any payment deferrals and I begged them to lower my payment to {$50.00} which is still hard for me to pay. 

In XXXX, they agreed that they would lower the payment to {$50.00} dollars per month for the duration of the debt, but when I received my statement, they raised my monthly payment to XXXX beginning in XXXX. This is not what I agreed to. And since I have been out of work due to COVID 19 the XXXX dollars is not doable any longer. 

All I can pay at the most is {$20.00} per month. 

I have been faithfully paying this debt since XXXX, some agencies that I worked with were kind and let me pay {$20.00} per month. But my debt keeps getting tossed around to different agencies and I believe I am being taken advantage of, bullied, lied to and scared into doing whatever they demand. 

Why if I have consistently paid the debt for more than eight years, should I be hounded by people who have bought my debt for pennies on the dollar? 

Is there any action you can take in helping me reach a fair monthly payment, or letting me know since this debt is so old if its past the statute of limitations and should be expunged. 

Any guidance you can give is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I was sent a listing for a beach house rental For the week of XXXX by someone name XXXX XXXX XXXX XXXX XXXX XXXX I was told that if I booked the rental through XXXX that I would have to pay extra fees but if I paid via XXXX, that I would not have to pay any transaction fees. I had access to XXXX through my TD bank account app so I was under the assumption that my transaction would be protected by my banking company. I submitted two payments, one was a down payment for {$1000.00} on XX/XX/XXXX, and the next was a final payment after I received the lock box number, property address, full contract/rental agreement and an invoice ; this payment was for {$450.00} on XX/XX/XXXX. I showed up to the property on XX/XX/XXXX and it had already been rented out. I immediately called TD bank who transferred me to the XXXX department to file a fraud alert as the transaction that I had submitted to XXXX XXXX, actually went through to a XXXX XXXX. Unfortunately XXXX said I was not protected by TD bank fraud, and XXXX is not responsible for fraudulent payments or scams. They said I will need to file a police complaint instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notice from XX/XX/XXXX that 5 new accounts were reporting negatively on my credit report in the total amount of {$4100.00} and $ XX/XX/XXXXI saw 5 different collections from the same Collection agencyXX/XX/XXXX for outstanding medical bills from 6 years ago. I never ever received anything from the Original Creditor stating that I owed anything. I did have medical coverage and since I never received a bill I didn't even know I owed anything. I have disputed this several times via both XX/XX/XXXX and all three credit reporting agencies online and in writing only for them to send back a report stating " Account information disputed by consumer, meets FCRA requirements '' I have requested validation from the collection agency on XX/XX/XXXX for them to send me anything from the original creditor with my signature agreeing to pay this alleged debt. They sent back their version of a validation letter on XXXX XXXX XX/XX/XXXXXXXX the letterhead with various dates of service, but nothing really verifying that I agreed to paying this debt in writing with my signature on it. I have asked both the Credit reporting agencies and the collection agencies to send me something with MY signature on it to verify this debt and I keep getting the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have ; 3-4, fraudulent, accounts, on my, BUSINESS, profile, with ; Experian-credit-bureau. I have tried 2 resolve them, with, a 1st, round, of, dispute-resolutions. They, tell me ; these accounts, are, verified. They, are NOT, mine! It is fraud, by, some, imposter. And ; the report, does-not, list, any, contact info. No ; merchant names, no, addresses, etc. so ; I cant even fight-it ; and, Iam the customer & business, owner. I dont know ; who 2 call, or, contact, abt it? & ; these accounts ; are abt 2yrs old, now. I just found out, a few months ago ; when, denied credit, by my, business-bank? Plz let me know ; where, 2 go, from, here? 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 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I feel like this bank, PNC is discriminating against me and XXXX  XXXX, my account has been frozen for a fallacious report of a XXXX  wire transfer. It has been nearly 2 months since my account has been frozen. This will put us XXXX XXXX XXXX. The XXXX XXXX  XXXX XXXX has yet to respond to PNC. I have provided documents to PNC regarding the wire transfer and they are moving very sluggish and treating me as if don't matter. They freeze all of my money in my account being over {$100000.00} legit hard earned money. Updates have been slow and not anything at all. I feel like we are being mishandled as a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express advertises it's " Purchase Protection '' as a perk of their cards ( https : //www.americanexpress.com/en-us/credit-cards/credit-intel/purchase-protection/ ). However, what they don't tell you is that it doesn't actually provide any protection because it's secondary insurance and in order for them to actually cover anything you have to first make a claim on your home owner 's insurance or renter 's insurance. So if you have say a {$1000.00} loss within the advertised 90 days ( their maximum coverage ), and your home owner 's insurance has a {$500.00} deductible, American Express will pay at most the {$500.00} deductible and your home owner 's insurance would pay the rest ( but then your home owner 's insurance policy would go up the next year more than the {$500.00} they paid out ). This fraudulent misrepresentation of the " purchase protection '' on their website and in their advertising makes consumers believe they have purchase protection when in fact American Express has no intention of making good on their promises. I had this exact situation happen to me where I made a large purchase on my American Express card XX/XX/20 for {$2500.00} thinking that I was covered. I had to have the item repaired on XX/XX/20. Both the initial purchase and the repair costs were charged to American Express. American Express then refused to covered the {$1000.00} they advertise unless I make a claim on my home owner 's insurance, and then XXXX would only cover the {$500.00} deductible. They know that it makes no financial sense for home owners to make such a small claim on their policies because the insurance costs will go up the customers, so their " purchase protection '' program is worthless to anyone that owns a home or has renter 's insurance ( i.e. the vast majority of people ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
money was taking from my savings account without any valid reason

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 2020-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I had no knowledge of this cat until unexperienced boost and I had a collection deck from XXXX XXXX am I done it was for {$440.00} am I had no knowledge of the deck try to dispute it and it was opened on XXXX of XXXX from probably XXXX XX/XX/2019 XXXX XX/XX/XXXX I was in I was city from all that time I was XXXX  I had XXXX  XXXX XXXX XXXX and XXXX   XXXX and I didnt even get out of bed for 3 1/2 months never left the house we moved from XXXX XXXX  to XXXX Im at three people my husband my stepdaughter and her boyfriend took me to the car never left the houseI didnt know anything about it until I went to collection and it was on my credit report and I disputed it and they say that thats mean its from Jefferson Capitol systems XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Hello my name is XXXX XXXX, my complaint is about PAYPAL!! well my fianc had {$95.00} USD in her paypal account so when she tried to withdrawal the funds for whatever reason it kept giving her some type of error message so, not knowing any better she transferred the funds into my paypal account to see if we would have better luck with mine but seemingly it has opened up a whole other set of problems!! well since the pandemic the local XXXX offices have been closed. so unfortunately my license plate tags have become expired and i had gotten pulled over for the tags being dead so long story short the police officer said he had to take my plates and my D.L 's, leaving me without any form of picture I.D . well paypal says they limited my account from being able to do anything like send receive or withdrawal funds until I upload a picture I.D that is not expired. well I tried and tried to make them understand that i could not get another one made due to the pandemic and that i desperately needed the funds because we had no income at the moment due to pandemic as well and that every XXXX counts right now even if it is only {$95.00} dollars. BUT TO NO AVEIL THEY INSIST THEY WILL HOLD MY MONEY UNTIL PICTURE I.D IS UPLOADED!! PLEAAAAASE HELP!!!. also i asked them why the limitation was put into effect to begin with when its the first transaction ever done!!??? I have called and called and called cant get anybody on the phone and very seldom someone replies to my messages after days and days of waiting!! i have since heard so many horrible stories of the unfair and terrible business paypal does from sooo many people WHY IS THIS COMPANY NOT HAVING TO COMPENSATE FOR THE TERROR THEY BRING TO SO MANY PEOPLE??!! Thanks and God bless you and your families

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance has been reporting late payments to the credit bureau even though I've paid those months on time. I've reached out several times and they refuse to help me. I had an incident last XXXX when I updated my debit card information on their website and it failed to come out. I have my bank statements showing that I had the funds available. I've been paying XXXX a month since then and not once did they mark me late. Fast forward XX/XX/2020they started marking me late for a past due balance. They not once called me and said I was behind. This company is fraudulently marking my account as past due. Please make them correct this. I have all the documents to prove it too.

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 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
It won't let me hook my bank account up to directly pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
This is for Phoenix Financial Services. They appeared on multiple credit reports for a medical debt with original creditor " XXXX XXXX XXXX XXXX. '' The amount of Debt is {$480.00}. I am highly confident they are not collecting on behalf of creditor and they bought this debt from someone else and will be unable to verify the debt directly from XXXX XXXX. Again they have made no communication with me and have put this on my credit reports. The took a step further and on my XXXX  credit report they listed the following : " PHOENIX FINANCIAL SERV has flagged your account as Collections. '' This company seems to have a history of fraudulent debts and practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WI

Complaint narrative:
XX/XX/2020 Apparently my bank has made a change that will not allow me to link my account for transfers to XXXX XXXX by XXXX XXXX. If I am authorizing it by logging into MY account requesting a transfer of MY money, there should be no reason this can not be honored.

Company response to consumer: Closed with explanation