vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
A fraudulent charge was made on my business checking account on XX/XX/2020 through Key Bank. The bank was alerted ( by their own fraud detection algorithms ) that a charge on my card looked suspicious. They notified me and I advised them that it was indeed fraudulent, I did not make these purchases. I am in Ohio, the charges occurred in New York. The money was nevertheless deducted from my account. I was told they need to investigate before the money would be credited back to me. It has been 10 days. Still, they have not fully returned my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Dovenmuehle Mortgage , Inc . 

Mortgage closed XX/XX/XXXX ... Still showing open as of XX/XX/XXXX I have contacted the company via their account portal messaging, only to be ignored. Which is perfectly normal for such an awful company. Looking back on the last messages I sent them when I was a customer, it took 20+ days to get a response. On one massage it took over 6 weeks for them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: PA

Complaint narrative:
The representative was using insults, deceptive and immoral tactics, and threatening to sue if I did not pay immediately or the amount that she demanded me to pay. I received phone calls twice a day for a few weeks at odd hours until I called back. While asking for an explanation or proof of debt, she began to become enraged and agitated by this. At which point she prepared a statement on my behalf that I said I was refusing to pay this debt to the attorneys so the lawsuit could move forward and I would be sued for not agreeing to pay the amount she wanted on the spot. I called back to speak with her supervisor and was forwarded to his voicemail with no call back. Not only are these practices illegal, it is disgusting that a law firm would be so unprofessional.

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 2020-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
While renting a car from XXXX XXXX XXXX XXXX XXXX ) I was involved in an accident on XX/XX/2017 in which the damages {$460.00} were less than my deductible therefore making me liable for the payment for repair. Upon returning the car for repair on XX/XX/2017 I was allowed to continue to rent that specific car XXXX XXXX XXXX XXXX XXXX. That same day, of no doing of my own I was put on a payment plan for the money owed for the car repairs by the manager XXXX because I continued to rent cars from XXXX XXXX XXXX. From XX/XX/2017 to XX/XX/2017 I payed the money for the car repairs and ended my rental period with no balance owed. On XX/XX/2017 I received a letter from XXXX XXXX XXXX stating I owe a balance of {$560.00} to them because of non payment to XXXX XXXX XXXX. I responded to the claim through email stating that no balance is owed and I have all receipts. I later see on my credit report a collections account for {$770.00} from American Collection for XXXX. I disputed the claim and asked for verification from the credit bureaus and American Collections and received an updated amount from American Collections for {$110.00} owed. I have disputed this claim repeatedly ( 3 times ) with no success of removal. I have also sent proof through receipts and still no success.

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 2020-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Between XXXX and XXXX CHASE transferred money from my credit card that I had with them to a XXXX XXXX  fake account! I called them many time about this! They said " we take care of '' but they did not! I canceled the card in XXXX and paid Chase what I owe them! NOW 4 year later the sent me a letter saying that they will keep reporting me to the credit reporting people until I pay they their blackmail money!!! I been fighting these card companies that work with discovery bank in stealing money from me and others!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient falsely stated in the prior complaint that they sent me a welcome letter. 
I never received anything from Navient until XXXX of 2020. Navient 's own responses to the first complaint prove that point that they were contacting someone else in XXXX, TN. Where did the welcome letter go? Who did they send the XXXX [ the prior loan servicer ] information to? Did they sent the welcome letter to XXXX, TN. Again, I have never resided there!!!!!! I have never resided in the XXXX at all. How could I update a company about my address and I knew nothing about Navient or XXXX!!!!! All of my student loans had been deferred to to hardship. I would have handled this IF I RECEIVED ANY INFORMATION ABOUT THE ACCOUNT. Being truthful is the key. I have never received anything from Navient until XXXX of 2020. I told Navient that I did not, nor have I ever resided in XXXX, TN!!!!! 

Unfortunately, since I didn't receive an email, after receiving mail from Navient in XXXX of 2020, it reminded me of my complaint against Navient. XXXX XXXX Old Complaint ], since they had never verified sent any verifications to me, and they certainly would have never contacted me in XXXX, TN. That is not me!!! 

Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX was given access to the account first that means information is being shared. I never logged into that account and entered that address as the representative stated when she provided me with a link to that account. That means not only was Navient sending person information to someone else they allowed someone else log into the account that is scary!!!! I told Navient to I was concerned about this. Verification was never sent to me. Now you have clarified that you or whatever reason sent mail to soneone else, they logged into the account and then they tired to get me to log into it after I saw the address information on the account that did not belong to me. XXXX During this time you report against my credit too while you send mail somewhere I never lived??? Your response said you mailed a welcome letter. What address did you mail it to? Why did I have to file a complaint against you, while you ignored me from XXXX - plus accept credit reporting!!!! Did you verify who that was in Tennessee before you gave them information [ written and electronic ] +-it 's appears not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Won't allow flex for renters to access my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/20 we paid our XXXX mortgage. On XX/XX/20 we requested 3 month payment suspension through Wells Fargo 's website as per the CARES act. 

Wells Fargo is now claiming that the 3 months payment suspension started retroactively in XXXX and our payments resume on XX/XX/XXXX. 

Our understanding was that the payment suspension began at the time of the request. Wells Fargo claims they have interpreted the CARES Act to mean that all payment suspensions started in XXXX regardless of when they were requested. This is ridiculous because we already paid XXXX. They offered to return our XXXX payment but that seems like moving backwards. 

Essentially they are trying to limit my 3 month suspension to 2. If I extend it by 3 months it'll be limited to 5. If I end up needing to extend it to 180 days who knows what they'd do. Essentially they're making unilateral decisions about how the law is interpreted and implemented. 

The CARES act specified that payments can be suspended for up to 180 days if needed. If my mortgage company is attempting to limit and thwart that, isn't that illegal?

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 2020-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
I use a loan acceleration company to pay my auto loan. They have made all applicable payments on time to Kia Motor Finance. The payments are sent out on the third week of every month. Do to this two payments were received in XXXX. They applied the second XXXX payment to the principal, even tough directions on the check was to apply to XXXX 's payment. I contacted XXXX when this happened and they informed me they would correct it, however they never did. They now have me in collections and want me to make an additional payment, instead of backing the payment out and correcting their mistake.

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 2020-06-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FCI Lender Services Inc.
State: NY

Complaint narrative:
My original mortgage loan was with XXXX XXXX XXXX which XXXXXXXX XXXX filed chapter XXXX and split the with XXXX XXXXXXXX XXXX  XXXX I got lay-off and XXXX did a Home Affordable Refinance Program ( HARP ) which I got new mortgage with XXXX XXXX XXXX changed XXXX XXXX  XXXX Also I filed chapter 7 in XXXX due to XXXX split Mortgage Specialized Loan services

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 2020-06-28 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:
PNC will not allow its customers to link their checking account t to services like XXXX investing. As it is my information and my finances I believe I should be allowed to make this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
For months, I have been having issues with PNC about connecting my account to third party apps. PNC have prevented me from being able to link my accounts and I am sick of it. This needs to be corrected or I have no choice but to leave and go someone else. I understand that they are trying to protect our accounts but if we are given the option to follow the correct steps for apps to have access to our accounts, why not allow these apps to link the accounts. This has been going on for a while and I am sick and tired of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Over the last 6 years i have paid accessed over 2000 dollars in late fees. These fees should be waived. They are also in the middle of a class action lawsuit that was awarded for these types of loans and fees. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: P.S.C., Inc
State: WA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed a dispute about a charge off that should have come off of my report, both online and by mail and both were dismissed as Experian has refused to investigate the matter. They investigated 1 claim in XX/XX/XXXX and updated the account incorrectly when I tried to dispute again they refuse to allow me to dispute this account at all in any way. The account was set to come off my record XX/XX/XXXX but has not been removed. It was then updated to not come off until XX/XX/XXXX that was the only thing that was updated the last payment remained the same and the account should have been removed but the company is refusing to investigate any claim at all. This leaves a charge off that I am no longer liable for on my account. It has been removed from XXXX  and is currently under dispute with XXXX   to also be removed. I would like the same consideration as everyone else. Why in two years will the bureau not investigate a charge off that needs to be removed?

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 2020-06-28 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have complained about this card probably 10 times already. My question is on a bill it said charge off, I haven't heard anything from them in months, I don't know where my account is now, or what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2020, I made a payment on the above-named account in the amount of {$260.00} to satisfy the minimum payment. The billing cycle for this account is 31 days and it ended on XX/XX/2020 ( see attachment ). On the morning of XX/XX/2020, I paid off the remaining balance on the account in the amount of {$3700.00}. These two payments together totaled {$3900.00} which was the amount I owed on my monthly statement. When speaking with Virginia BOA representative ( Ms. XXXX XXXX she told me that I had paid off the account and my account paid in full. I was notified on XX/XX/2020 that an additional {$32.00} was owed on the account. I was confused as to why I had to pay this amount since I : ( 1 ) satisfied the total amount owed in the pre-cycle balance at XXXX XXXX  on the last day of the billing cycle ; ( 2 ) did not have any transactions fees that would be subject to daily or annual interest calculation ; and ( 3 ) did not have any transactions posted at the beginning of the new billing cycle that was subject to interest accrual. The interest accrued was not in accordance to how BOA stated they calculated interest on my average daily balance, which states : To calculate a daily balance for each day prior to this statement 's billing cycle that had a Pre-Cycle balance : ( 1 ) we take the beginning balance attributable solely to Pre-Cycle balance ( which will be XXXX on the transaction date of the first Pre-Cycle balance ) ; ( 2 ) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day 's daily balance ; ( 3 ) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. 

So, on XX/XX/2020 I paid the {$32.00} and BOA issued me a new statement of {$0.00}. BOA incorrectly charged me equal to one percent ( 1 % ) of my APR when I paid off the entire balance by the end of the billing cycle. I am asking for a refund of the {$32.00} that was incorrectly calculated and billed 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 monetary relief
Consumer complaint received 2020-06-28 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: IL

Complaint narrative:
Cant login

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I regularly transfer money to my XXXX bank account ... When I tried today, I was not able to do so I was trying to transfer money through XXXX XXXX and when they attempted to initiate the transfer with my bank, PNC, they found that the bank has made some changes that prevent them from linking my Bank account to the site ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-28 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I submitted a letter disputing the accounts to LVNV funding. they responded telling me that they only had to respond to one and not respond multiple times. Please see attached letter dispute that they failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
This debt is not mine and has been reported for 3 years making my credit bad. They do not have my permission to use my name or my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: CA

Complaint narrative:
I applied for a mortgage back in XX/XX/2020 and this is when I discovered I had some fraudulent items on my report. I contacted all three credit bureaus and I informed them that these items did not belong to me and asked that they are investigated and removed from my report. In XX/XX/2020 I received a response from all three agencies and XXXX  could not verify the item and it was removed. However, Experian and XXXX  did not remove the items and told me that item was verified. I sent another letter in XX/XX/2020 asking for proof of verification, including who they talked to when they verified accounts and what information was used to verify my items. I received a response letter in XX/XX/2020 from Experian and XXXX  stating that they would not tell me how items were verified and that I could add a personal statement or contact the collection agency. I contacted the collection agency in XXXX and never received a response. I am sending one last letter that will accompany a copy of this complaint to Experian and XXXX. This letter will be received by them by XX/XX/2020, and it will be sent certified mail. This letter explains that the items in question were removed from the other agency and that there is no way they could of properly verified the information and the other agency working within the same time span could not. I feel I have no choice in this matter but to file a complaint because the credit bureaus have not in my opinion done the proper due diligence. I am not sure how my information got into the hands of someone else to open accounts that are not mine, but I am in the process of hiring an attorney to help me figure out what to do about identity theft issues if I have no idea who did it or where they are located.

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