vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2020, I attempted to link my PNC Bank checking account to the XXXX app. It would not let me due to a change PNC Bank had allegedly made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
By XX/XX/XXXX XXXX Santander XXXX returned to me over {$13000.00} in " error '' charges they had incorrectly made to some of my Commercial Bank Accounts ( ie # XXXX ). We held then a personal meeting at their XXXX XXXX XXXX XXXX in XXXX XXXX where they ( XXXX XXXX, XXXX XXXX, etc ) told me that for " seeing only '' my accounts via internet the charge would only be $ XXXX/month from then on. However they did not comply with that disclosure/promise and instead repeatedly kept on over charging my account from XX/XX/XXXX through XX/XX/XXXX up to {$3200.00}. They should keep the agreed $ XXXX/month x 18 months = {$270.00} and return to me the excess money the took from my account ( $  XXXX $ XXXX {$2900.00} ). I have all evidence and correspondence of efforts made with several of their present employees trying to get my money back during recent months in XXXX. Thanks for your kind attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I am writing to complaint against an unfair practice and significantly high lease-end wear-and-tear charge on the lease return especially when I wasn't provided an opportunity to get pre-inspection performed. Usually all customers get a pre-inspection prior to lease return, but citing closures due to Covid, I wasn't given this opportunity, and later received an invoice for the issues I could have fixed if pre-inspection was performed. I returned the leased vehicle on XX/XX/2020. Prior to returning the vehicle I called Toyota Financial Services ( TFS ) twice and asked for the pre-inspection options since the provider " AutoVIN '' wasn't taking any requests citing Covid pandemic. On both occasions, I didn't get any assistance by TFS nor by the dealership, I was just affirmed that I'll be fine and be taken care-off after the vehicle is returned. I even asked about things I should fix prior to returning, but I was not provided a comprehensive guide/list that I should fix, rather I was left on my own to figure it out. I even visited the dealership but to no avail. Later, I received an invoice with a charge, to replace the windshield, of about {$400.00} when I could have got it replaced myself, if I was made aware, for less than half of that cost. I tried to talk with a representative and they only reduced this charge to {$300.00}, but this is not helpful since an average quote to fix a windshield from the marketplace is still less than half of this charge. The representative kept blaming me to not have the windshield replaced prior to returning and didn't acknowledge the fact that Toyota failed to perform pre-inspection and tell me what they expected to have fixed or replaced. I have even filed a complaint with FTC, report number XXXX, and also tried to contact Toyota on XXXX but didn't get a resolution. I'll appreciate any assistance I can get from CFBP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
i had sent various letters to the various collections agency first letter i send to went to XXXX XXXX on XX/XX/2020 there was no actions taken i asking them to show some type of validate to verify that this account belong to me didnt get much of anything. next i wrote to LVNV funding in XXXX XXXX around XX/XX/2020 mail was returned business dont have a valid address. Finally i wrote to Resurgent Capital Services i wrote them around XX/XX/2020 they told me not to be sending duplicate request and sending some type of bill statement which is not a legal binder showing that the account is mine showing that the account is mine i asked for verification showing me anything showing with a signature on it Nothing i need this to be deleted from my account it is hinder me on obtained credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I called 3 times and spoke with 3 different agents. I cant remember the first one but the second one was named XXXX and the third was XXXX. They wait time wasnt a problem which was 2hrs 30min per agent XXXX informed me that she would love to activate my card and transferred me to the automated systems XXXX told me on the last call of the day at XXXX that my card was replaced by US BANK RELIACARD OR US BANK NATIONAL ASSOCIATION for no apparent reason I already had a card ending in XXXX why would she not inform me in the beginning that my card was replaced did she not review the account notes? Also XXXX was rude and over talked me on phone she didnt really seem confident in the information she gave me. Why would I be put in an inconvenience like like no one could inform me someone dropped the ball. I need and explanation to what happened how could this happen and no agent could inform me or tell me the truth

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 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I attempted to connect my checking account to multiple services that use XXXX. Some are essential to my life. 

Some, like XXXX, give access to my pay through no cost advances on my pay. 

Others, like XXXX, allow me to have a business bank account that I can transfer quickly in a verified way in and out. 

This is not an exhaustive list. 

XXXX is an important part of living online, PNC is important as the only real bank around. 

PNC should allow XXXX to access as all other bank accounts I've had in the past has.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I contacted my mortgage company SLS around mid XX/XX/XXXX and spoke with a representative about wanting to apply for a modification to my mortgage payment due to my grandmothers recent passing ( XX/XX/XXXX ) and unfortunately my income not being enough to cover my mortgage payment. I received a trial period plan agreement from my mortgage company SLS dated XX/XX/XXXX stating they would set me up pre modification in the amount {$1200.00}. Trial Payments -3 and post modification {$960.00} starting XXXX. The letter also indicated that my application was denied because the financial information provided doe not demonstrate the ability to repay- - The application has been denied because we were not able to verify a qualifying hardship I had sent in all the required documents/proof of my grandmothers death certificate as requested. I feel I am being discriminated against as a consumer please look into this issue 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 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: AR

Complaint narrative:
On XX/XX/2020, I received a notification from XXXX XXXX about a new debt collection account on my credit report. I checked with the credit bureaus and a collection was placed on my account, lowering my credit score 66 points. I disputed directly with the credit bureaus, as I have been a victim of fraud, and have a police report indicating same. I had no knowledge of the collection account. 

On XX/XX/2020, I received a written notification in the mail from Franklin Collection Services notifying me of a collection account with XXXX XXXX XXXX for " Utilities ''. This letter was dated XX/XX/2020 - over seven weeks ago! 

This was the first notice I received and in fact, I didn't know about the collection account until I received a notification from XXXX XXXX. 

I know that I have five ( 5 ) days from the notice of the letter from the collection agency to dispute the debt. However, since they sent me a fraudulent letter in XXXX that was dated over seven weeks ago, they are making it appear like I had received notice, not responded, so they reported this debt to the credit bureaus. That is absolutely not what happened! 

Their fraudulent actions and misrepresentations have led to my credit score being lowered 66 points, over a {$75.00} " alleged debt '' that I had no notice of! 

I have proof that I received the notice ( attached ) on XX/XX/XXXX from USPS Informed Delivery email dated XX/XX/2020. 

They violated my rights, they did not allow me time to dispute the account or request validation of the debt, and they are directly responsible for lowering my XXXX credit score well below XXXX! I have worked extremely hard at building my credit and their fraudulent and improper actions have ripped that from me. 

The credit bureaus will not remove the collection account because Franklin has reported it as a valid debt without providing notice to me or validating the debt. 

In addition to their improper actions, I had placed a fraud alert with all three credit bureaus on XX/XX/XXXX due to receiving notice that my identify has been stolen. I have a police report filed on that same date proving identity theft. 

In addition to Franklin Collection Services 's misrepresentations and violating my rights, the credit bureaus allowed an unverified collection account to be placed on my credit file AFTER I had placed a fraud alert and provided a police report. 

I have been the victim of improper actions by Franklin Collection and by the credit bureaus. My score is drastically lower which will effect many areas of my life - including buying a house, buying a car, my auto insurance premiums, etc. 

I will seek damages if they do not correct their actions and go through the proper, legal channels to verify this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has had my account under review since XX/XX/2020. I can not access my SBA loan due to review. I currently have {$83000.00} frozen in Bank of America. If funds are not released soon I could go out of business.

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 monetary relief
Consumer complaint received 2020-08-05 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: NV

Complaint narrative:
I submitted a dispute in on XX/XX/XXXX. I received a response denying my dispute a week later. I then mailed in a method of verification request for this dispute. The letter was mailed certified and was signed for on XX/XX/XXXX. I had not received a response within the 15 days required by law. Therefore, on XX/XX/XXXX ( over 30 days after the letter had been signed for ) I mailed in a letter demanding this item be removed since the FRCA had been violated. This letter was signed for on XX/XX/XXXX. They still have not removed this item or given me a response. The person on the phone told me they did not have to do this investigation. Completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I have repeatedly tried to settle this debt to have it deleted off of my reports with all three credit bureaus but enhanced recovery service refuses to do so. The debt is for {$78.00} and I am willing and able to pay {$50.00} immediately to have this debt settled and removed. Acceptance of this settlement will stop all further collection activity. Failure to respond I will assume that you do not agree on the settlement. 

Enhanced recovery service has failed to send me any validation of this debt to show proof that it is mine. Nor did they notify me before reporting this negative account to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I got a new phone and have no way to authenticate and get signed in to my Venmo account. I have contacted Venmo countless times via email per their online instructions, but I have heard nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir/ Madam, 1. I had requested XXXX  XXXX XXXX that I want to Balance Transfer from Chase Bank Credit Card to XXXX XXXX XXXX Credit card, On XX/XX/2020. XXXX XXXX XXXX put $ XXXXin my credit card BUT Chase Bank did not took off {$3700.00} from my credit card and was there on XX/XX/2020 and XX/XX/2020. for two days.  This affected my credit score. As I had a balance on both credit cards. I never had a such bad credit in my history. I asked XXXX  XXXX XXXX they said they had paid to chase on XX/XX/2020. Is there any way the Banks upgrade their system, I came from third world country we have much better system same day clearing. We were the best in world but we stand now.???? 
2. Again when you want to transfer from one credit to and other that also effect your credit score. Who is responsible for this. And how I will be able to get my credit score Fixed????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On Sunday, XX/XX/2020 I received a notice that FNBO was going to a 2 factor auth process for logging into their website in order to make payments on their credit card. Because of my XXXX of XXXX I am unable to receive the 2 factor call, since I use that landline phone for dial up internet access. Even if I disconnect to receive the call, and reconnect afterwards I can not HEAR the call in order to be able to enter the 2 factor number that is read by the system. I can not use text, as I do not have a mobile phone, since I can not hear, nor is there any service at my residence. FNBO suggested using an email instead. However, FNBO 's email is loaded with graphics and takes more than 10 minutes to download. FNBO has a 10 minute timer on its site, so this is not an option either, as I will be locked out before the email with the code can be downloaded. 

I have called FNBO twice, including tonight, the last possible day before I will be unable to log on due to the NEW 2FA policy, and they claim they can not waive it at all. 

Normally, I would quit such a business that does not handle my XXXX, but I will take a credit score hit for doing so. I have went back to paper statements, and do not want to have to go to paper checks when I have been paying them online for years, and only because of the policy change on XX/XX/2020 am I being prevented from using their online payment service. 

I ask that FNBO provide a reasonable accommodation for my XXXX in order to be able to continue to use the FNBO credit card as I have been doing for the last couple of years. I have NEVER forgotten the password, nor had it hacked. 

FBNO has claimed their process is " industry standard '', but NONE of my more than 20 cards from many issuers that I have require this process. In fact, the account worked perfect until FBNO decided to change their policy in regard to online log in to my account.

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 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: FL

Complaint narrative:
I pulled my credit reports today on XX/XX/2020 to find I have a collection listed on my reports by Grant Mercantile Agency for account. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report nor did I revive documentation to verify the validity of the debt with signatures. This is a medical debt Im assuming hence Ambulance and this is a violation of HIPAA. I am willing to pay a settlement of {$100.00}, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted to call the debt collector to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
I received an email from XXXX XXXX of XXXX XXXX regarding her ability to get me a loan modification for my home. I was referred to her initially from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They charged me in total {$12000.00} to complete this loan modification. They took all of mine and my wife 's personal information ( SSN, DOB, DL #, Utility Bill, Insurance Card, etc. ). Throughout the course of time that I worked with them, they took our information and added fraudulent accounts to our credit files. This included collection accounts and several bankruptcy filings that were not from me or my wife. I caught on to what she was doing after the damage was done and informed her that I will be contacting the police. 

Since then, I have filed a complaint with the Texas attorney general, CFBP, and filed disputes with the credit bureaus. I have also requested information from the courts as well as XXXX since they report public record information. I have also filed a police report, identity theft report, and an identity theft victim 's complaint and affidavit. The court and XXXX both stated that they have no record of bankruptcies under mine or my wife 's name. I supplied all of this information that can serve as evidence of OBVIOUS fraudulent activity to all three credit bureaus to get the items removed. I have been successful in these removals with the exception of the bankruptcy filings reporting to Experian. XXXX  and XXXX have removed all of these same accounts. I know that Experian is independent of the other credit bureaus, but I find it odd that they were able to verify the bankruptcy information that the other bureaus were not. They say that the information was verified through XXXX, but based on my report and conversation with XXXX, this is not accurate. I even arranged a conference call between myself, XXXX, and the Experian fraud department. Even after being told directly from XXXX that this information is not correct, Experian still would not remove this fraudulent information. 

This is a direct violation of my consumer rights and I fully intend to pursue legal action in this matter if it is not resolved. I intend to seek maximum damages possible for all of the distress and suffering this event has caused me throughout the years. I hope by filing this complaint we can come to a resolution.

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 2020-08-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank charged me for an item I never received

Company response to consumer: Closed with non-monetary relief