vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-02 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: Block, Inc.
State: NY

Complaint narrative:
On Thursday XX/XX/2020 I made a payment via my card to a company that I've been making payments to every week since XXXX! I paid {$65.00} to XXXX of XXXX NY. The transaction was declined with more than enough money in my account and said it was declined for my protection. I contacted the bank via email at least times. Their is a number on the back of the card but they do not answer. Ive recieved a few emails back. Did not state where my money is or when it would returned to me. The 1st email stated that the money was returned to me on XX/XX/XXXX and that is not true. The money is not their still and I need my money back immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm trying to access my account with Equifax to be able to unfreeze and re-freeze my credit information through their website ( https : //my.equifax.com/membercenter/ # /login ) and I keep getting this message : " The email and password combination you entered is incorrect.Please try again. Your account will lock after 3 incorrect attempts. '' I was a victim of identity fraud and that is the reason I placed a credit freeze with all three major credit bureaus, but I'm currently shopping to refinance my mortgage and need the ability to quickly unfreeze and re-freeze my credit information. I called Equifax on XX/XX/2020 around XXXX XXXX and spoke with XXXX. She unlocked my account and asked me to reset my password, which I did. She told me to wait 24 hours before attempting to sign in with the new password. After waiting 24 hours I attempted to sign in and got the same message. I called Equifax again on XX/XX/2020 around XXXX XXXX  and spoke with XXXX. I told him what had occurred and that I was still not able to sign in. He stated that he will escalate my issue and I should hear back from Equifax within a couple of weeks.That same day I also sent an email to Equifax ( XXXX ) to ensure that there was a written summary of this issue. I sent a follow-up email on XX/XX/2020 and again on XX/XX/2020. Today is XX/XX/2020 and I have not heard back from Equifax. My issue remains unresolved, which is causing undue stress under this COVID-19 environment. I need this issue fixed as soon as possible as I am shopping to refinance my mortgage. Your help in compelling Equifax to resolve my issue will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: FL

Complaint narrative:
I am using an app named XXXX to pay my rent and it is not letting me link my PNC bank account to pay directly through the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have tried to connect with XXXX to help save money and prevent overdraft and it says that they can no longer link the accounts due to PNC not letting it happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
Unfortunately this is the second time due to whatever ongoing errors that seem to constantly have been going on with the site portal. From " site maintenance '', to not even allowing me to click on tabs and the page constantly reloading I've been caused to miss a payment. I've called the provided XXXX numbers that do not seem to work, I've gotten busy tones and the call just dropping. I've called the dealership directly and each time i was forwarded I'd get the same busy tone and or told i would be called back and never received one. This is quite disappointing from such a prominent auto company and I'm highly considering ending my lease and a Porsche customer should not have these many problem simply trying to pay a bill and now i have the result of this being 30 days late on my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
My name is XXXX XXXX and on XX/XX/2020 and XX/XX/2020 I sent a letter disputing a collection account asking for verifiable evidence that the XXXX collection accounts they are inaccurately reporting. The name of the collection agency is ARS Account Resolution, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida. The company has not been able to produce verifying evidence of the debt bearing my signature which is the legal way of a method of verification. They continuously send the same pre-drafted response.

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 2020-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Escrow account analysis completed incorrectly - Quicken Loans did not verify current required payment from our taxing authority. 

Appraisal value of home changed and required property taxes were reduced by {$5000.00}. New escrow analysis was completed and concluded that the escrow balance and payments remain appropriate. 

Without escrow changes we will be paying above the maximum escrow balance per RESPA ( calculate at escrow requirement + 1/6th account cushion = XXXX ). 

This is not the first time we've had significant issues with Quicken Loans. 

They did not have documents prepared accurately at closing and we had to wait several hours while they corrected forms. 

They falsely claimed escrow was covering homeowner 's insurance payments and I found out three months after closing that this was not the case and the insurance was not valid as they had never received a payment from Quicken. Thank god we had not had to make a claim. 

They called some months back offering to refinance the loan with no money down - I asked them to confirm this was the case before running my credit. They did, ran my credit, and then said they couldn't offer what they had indicated, hitting my credit with a hard inquiry for no reason. 

I am a former XXXX  XXXX and have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Based on my experience I am extremely concerned about Quicken Loan 's ability to accurately service our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Today XX/XX/2020, I received an email at XXXX XXXX from Barclay thanking me for transferring my reward points to my UberApp. However, I did NOT transfer those points, I was asleep. 

I talked to a customer service representative via Barclay 's online chat service and was informed the company updated its terms of service so that beginning in XX/XX/2020, points may only be used on Uber services and that points are automatically transferred at {$50.00} to my UberApp. 

I've been a card-member for over 2 years and this is the last straw. This 100 % unacceptable. Barclay 's business practices are fraudulent, as this isn't the first time they've done something like this. 

Under the original terms of service, the terms they advertised and marketed that made the card appealing to me to begin with, points earned at restaurants and bars were 4 % cash back and all points could be redeemed for cash or credit to the account or uber cash. 2.5 years later, all of sudden bars and restaurants are worth 3 %, while the uberapp is worth 5 % ( something I don't use on a regular basis ) and all of my points I racked up over the years that I thought I was saving to be redeemed for cash, can now only be used on the UberApp, something I don't really use. 

This is bait and switch behavior and fraud. I asked the Barclay representative for a corporate office number to call and she said there was no number that I could call. I asked that a check be sent to me for the rewards points that I had earned, she said she could not do that. Unacceptable. After I indicated I would be filing a complaint, she told me a manager will contact me in 24-48 hours.

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 2020-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
In XXXX my vehicle was reposssed by Santander consumer. The vehicle was then sold and the amount due was owed. However in XXXX the account was sold from Santander and they stated they no longer took over the account. In XXXX I was sued and a judgement was placed from XXXX stated they were collecting from Santander. The judgment was placed but I reached out to set up payments in regards to this. In XXXX I received a spam call from a company stating that Santander was using them to collect funds and reached out to CFPB in regards to this. I received a notice from Santander in response to the complaint with CFPB stating that they no longer had the account and another company had acquired it. I stopped making payments ( about {$700.00} XXXX as Santander stated no company should be collecting funds for them and since have been contacted from XXXX in regards to this. I do not owe them this debt and they are trying to take me back to court in XXXX for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
XX/XX/XXXX Dear FTC, I applied for forbearance consideration with my mortgage lender ( PNC Bank N.A . ) under the terms of the 2020 Cares Act mortgage forbearance Terms on XX/XX/XXXX. Unfortunately, PNC countered with a forbearance program that was inconsistent with the Cares Act in that the loan modification would be " resulting in additional interest accruing over the life of the loan. '' See PNC letter Dated XX/XX/XXXX. I found that response very troubling. 

Due to the inconsistency with the 2020 Cares Act ( Section 4022 b ( 3 ) titled " Accrual of Interest or Fees '', I declined the PNC forbearance offer in writing on XXXX, XXXX. PNC Bank put me in their forbearance program anyhow. In my opinion, PNC appeared to unfairly put themselves in position to increase their profit from my loan despite Cares Act forbidding such activity. 

I have made numerous calls and trips to PNC bank to clarify the additional fees or interest they are planning to charge me via a modified amortization schedule that would show such additional time line of payments and/or any additional interest. They have refused to provide a amortization schedule or document that could verify I would pay no more than the total total finance charges of {$300000.00} listed on my original Installment Loan Disclosure document dated XX/XX/XXXX. They claimed no original amortization schedule existed at time of closing ( not provided to me with closing documents ) or could possibly be produced as a result of a forbearance loan modification. In fact, Ms. XXXX XXXX ( PNC retail support expediter ) refused my specific requests for original and modified amortization schedules during my phone conversation with her on XX/XX/XXXX at approx XXXX XXXX claiming that an amortization schedule for my loan " does not '' and " can not possibly '' exist. I find that position inexplicable as well as unacceptable. I would sincerely appreciate your help resolving my concern over this apparent Cares Act violation. 

Sincerely Yours, XXXX XXXX XXXX XXXX. 
Encl. 6 pages

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: U.S. BANCORP
State: CO

Complaint narrative:
I received a total of six advertisement credit card applications with six different names registered at my address. I have lived at this address for over 24 years. My name was on one letter and five other, unknown names were on the other five letters. 

I received these six letters in the mail on XX/XX/2020. The company is called US Bank. 

The mail solicits that I activate a debit card from usbankreliacard.com which already has {$75.00} available for my use. I am concerned about this as a potential bait and switch, but I am more concerned that five other names have been sent to me. I could submit all of these cards, potentially, and get money on false names. 

Please let me know if there is a possibility that five other people are identified as living at my address -- that's one big worry. Worse, is this a hidden scam? 

Thank you

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 2020-08-02 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: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
Recently on my XXXX  credit report its showing a old account with first citizens bank that was paid in full back in 2017 when we traded the car the loan is closed and paid in full when I called first citizens bank I submitted a dispute online to XXXX  XXXX co whats funny this is not showing on XXXX  or XXXX  reports just XXXX  they said the report was accurate?????? In the dispute sounds like they need to call first citizens bank and get it straightened thanks for your help the account is for XXXX and was paid off XX/XX/2017 the payment was for XXXX a month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jormandy, LLC
State: VA

Complaint narrative:
In XXXX my vehicle was reposssed by XXXX consumer. The vehicle was then sold and the amount due was owed. However in XXXX the account was sold from XXXX and they stated they no longer took over the account. In XXXX I was sued and a judgement was placed from Jormandy stated they were collecting from XXXX. The judgment was placed but I reached out to set up payments in regards to this. In XXXX I received a spam call from a company stating that XXXX was using them to collect funds and reached out to CFPB in regards to this. I received a notice from XXXX in response to the complaint with CFPB stating that they no longer had the account and another company had acquired it. I stopped making payments ( about {$700.00} ) as XXXX stated no company should be collecting funds for them and since have been contacted from Jormandy in regards to this. I do not owe them this debt and they are trying to take me back to court in XXXX for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In XXXX of 2020 there were 2 airline tickets purchased in the amount of XXXX each with PayPal under papal credit umbrella. There were 2 refunds issued in XXXX back to the papal credit in the amount XXXX each. However i have also filed a dispute for XXXX ticket and was also credited an additional XXXX from Payapal credit on XX/XX/2020 resulting in the over-payment of XXXX. I have contacted Payapal credit numerous times to make this adjustment reversal of this transaction. Since the original charge was made under payapal, payapal insists that i have received 2 extra refunds from Paypal credit, which is not the case and want me to repay to payapl XXXX, which is wrong, What i owe back is XXXX extra refund in the amount of XXXX, which nobody seems to understand how to fix.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-02 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: MI

Complaint narrative:
PNC Bank will not connect with 3rd part billing apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: NC

Complaint narrative:
Recently on my Experian credit report its showing a old account with first citizens bank that was paid in full back in 2017 when we traded the car the loan is closed and paid in full when I called first XXXX XXXX I submitted a dispute online to Experian XXXX co whats funny this is not showing on XXXX  or XXXX reports just Experian they said the report was accurate?????? In the dispute sounds like they need to call XXXX XXXX XXXX  and get it straightened thanks for your help the account is for XXXX and was paid off XX/XX/2017 the payment was for XXXX a month

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 2020-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: NC

Complaint narrative:
Intercontinental Capital Group has repeatedly sent me letters threaten to take my mortgage away from the original lender to give me a cash out refinance that I do not want or ask for. 

They continue to send me misleading claiming they represent VA in refinancing and taken away mortgages from the original lender. I have called and asked that they remove my name and mailing address from their database, and for the past three years they continue to perpetrate a fraud in trying a switch and bait tactics. 

I do not want them contacting me or send letters in private evelopes with deceptive descriptions on the outside claiming to be coming from my mortgage lender and VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I was a victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The original creditor ( XXXX XXXX ) calls and harass me daily for debt which i didn't owe. I explained the ACCOUNT was not mine. They sent me some billing info with incorrect addresses and I explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these negative disputes, as I am new to this. They are not coorporating and states that they are willing to work with me and take settlement offers. They then turn around and sold the account to Cavalry SPV I , LLC and now I don't know what else to do so I am finally coming to you guys for some guidance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: CAROLINA FINANCE, LLC
State: SC

Complaint narrative:
Carolina Finance has been reporting the incorrect balance since XX/XX/2016. They reported the car was sold at a auction and the new balance is half of what they are reporting. I contacted the office to make them aware and requested a printout in which I received. I also contacted the credit bureaus in which no update was ever made to the account and provided them with the paperwork. This is causing harm when I apply for loans because its showing I owe more than what is owed. I just want the issue resolved. Carolina finance has charged this account off.

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 2020-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
The Fair Credit Reporting Act represents the culmination of the aspiration of the Western XXXX settlers of this country that it become the foundation of a world where money is the sole authority ( the purpose for which Democracy was resurrected, as XXXX colonists recognized through the religious turmoil at the root of the collapse of XXXX aristocracy the underlying need for Humanity to be thoroughly governed by self-interest as best embodied by money ) through the unlimited authority granted to creditors to extort consumers into paying fraudulent debts, by having the FCRA consist of private companies being granted unlimited access to the personal information of consumers without their consent or the authority to consider any proof from them that information in their credit files is intended to further fraudulence or even criminality, leaving hiring an attorney as their only recourse. As outlined in my CFPB Case ( # XXXX ) and XXXX Complaint ( https : XXXX ) regarding this issue, the merchant has elected to continue to exploit the unlimited leverage granted to creditors by the FCRA to extort consumers into paying fraudulent debts as means of doing its part to secure this country 's place as the foundation of a world where money is the sole authority -- even as the world continues to unravel because of the inability of those in positions of authority to forgo short-term profits to provide for the public welfare -- by relentlessly pandering to other merchants at the expense of consumers, thereby furthering the inevitable collapse of the world under the weight of its own corruption.

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