vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 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: TN

Complaint narrative:
These accounts are fraudulent and inaccurate on my credit profile

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 2020-04-29 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:
Could not add funds To XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: VA

Complaint narrative:
I have been enthusiastically working to rebuild my credit for over a year in order to buy a home and was just within reach when I decided to dispute an inaccuracy on a closed XXXX account. I had no idea that doing this would result in my score dropping 19 points because the closed, negative account was deleted. After looking online I see many other people outraged that Equifax is doing the same thing to them. ( Some having their scores dropped over a hundred points for having something deleted ) Nowhere was I informed that I risked my score dropping if I disputed an error. I never would have risked it had I known this was the case. I thought disputing an error was my right, not a punishment, and I would like to voice my complaint and request this behavior be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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:
I'm attempting to link debit cards from PNC Bank to XXXX  and PNC is not allowing it. My cards were linked but PNC did a security update and the accounts were removed from XXXX. I've contacted PNC and XXXX, both could not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have disputed this item on my credit report through XXXX. The collector is Midland Funding. I have tried several times to get this resolved to no avail. I disputed this account also through XXXX  and was successful in getting this deleted from my credit file. On XX/XX/20 I filed another dispute through XXXX  and it was resolved in a matter of 2 hrs. Which is not possible to do. The results where an update to my file. I dont understand how one credit reporting agency can delete this account from my file but yet another wont. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: PA

Complaint narrative:
Pursuant to 15 U.S. Code 1692g, my rights have been violated under both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) because Experian has continuously allowed XXXX to report erroneous information on my credit bureau report that I repeatedly disputed. This is abuse and harassment and a direct violation of my rights as a consumer. 
XXXX is pursuing me for a {$320.00} early termination fee because they claim was locked into a 2 year agreement. An agreement that I vehemently deny and XXXX can not furnish proof for. Surely, they would have captured my consent to a two year agreement in some form be it verbally, written or electronic and they have failed to produce it. The burden of proof is on XXXX and they need to provide proof that I was aware of and in agreement to a two year agreement otherwise this disputed erroneous information needs to be removed from my credit report immediately. 
My FICO dropped 46 points once this erroneous adverse information from XXXX was reported to Experian and I demand that this information is removed from my CBR so I can be made whole again.

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 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I set up a XXXX  account and attempted to link a bank account to be able to fund. Access denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
shop your way credit card-Citi bank has serious problems : 1. charge too much interest during Covid-19 time,2 rude account manager During Covid-19 time, I tried to pay off my most credit card bills after getting government relief help. After I made several payments, I find that I paid the same much high interest as before. I called the customer service and even talked with the account manager. He, the account manager is crazy. He told me that whatever Covid virus, He is not going to care about any virus, or he is not going to fix the wrong interest problem on my account. The wrong interest accounting for related balance occurred about at least 3 times. I told him that after I made payments, my interest should be charged less. He is not going to fix that ridiculous interest. I really made the payments towards balance. He yelled me the same way with people who did not make payments. The interest is super high and not correct which keeps posting on my account. My balance is only {$1600.00}, however they made me pay {$50.00} for the balance of {$2400.00}. Wrong interest happened at least 3 times!!!

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 2020-04-29 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay Bank Delaware sent me a billing statement dated XX/XX/XXXX for my UBER VISA SIGNATURE credit card. This billing statement included an invalid transaction dated XX/XX/XXXX posted XX/XX/XXXX from " XXXX XXXX XXXX XXXX  '' in the amount of XXXX AUD which was converted to US {$95.00}. 

On XX/XX/XXXX I wrote to Barclay Card Services at the address indicated on their billing statement for where to write when " You Find A Mistake On Your Statement '' and advised them that I did not have any recollection of this charge and requested a credit in the amount of US {$95.00} In the same letter I disputed a second charge dated XX/XX/XXXX from " XXXX XXXX '' in the amount of {$85.00} On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$85.00} from " XXXX '' and indicated they would investigate the issue. They did NOT acknowledge the first disputed item of {$95.00} from " XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$85.00} and indicated they would issue a provisional credit while they investigated the issue. They did NOT acknowledge the first disputed item of {$95.00} from " XXXX XXXX XXXX XXXX ''. 

On XX/XX/XXXX I wrote to Barclay Card Services at the address indicated on their billing statement for where to write when " You Find A Mistake On Your Statement ''. In this letter I thanked them for acknowledging the second disputed amount of {$85.00}. In this letter I reminded them of the first disputed amount of {$95.00} from " XXXX XXXX XXXX '' and notified them that had not yet acknowledged this billing dispute. In this letter I also requested credit for {$1.00} for the Finance Charge applied to my account on the XX/XX/XXXX statement for not paying the disputed amount of {$95.00} I reiterated that " I have no knowledge of this transaction and have not received services nor merchandise from this merchant ''. 

On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$95.00} from " XXXX XXXX XXXX  '' that was billed to my account on XX/XX/XXXX and that they were referring the transaction to a dispute specialist who would investigate further. 

On XX/XX/XXXX Barclay Bank Delaware sent me a letter saying that they " are unable to take further action on this disputed charge '' " due to the length of time that has passed since the charge posted to your account ''. 

Barclay Bank Delaware only promptly investigated the second but not the first disputed charge of my letter of XX/XX/XXXX. Barclay Bank delayed their investigation of the first disputed charge is an error on their part and is a violation of federal regulations.

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 2020-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
Credit Acceptance repossessed my Sisters vehicle back i. XXXX they took it for a week Im her co-signer in the loan because the vehicle was repoed they reported it on my credit i lost 97 points my sister has had the vehicle for almost 2 months again and they are still reposting the vehicle being repossessed and the account closed when in fact its been opened since XXXX and payments have been on time please fix this, as Im not the primary account holder one i have my own vehicle loan which Ive never missed a payment in or been late i want this rectified and my credit fixed! 

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 explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am unable to connect my account with another financial institutions. Specifically PNC refuses to link my account to my XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: MA

Complaint narrative:
I contacted this company to see what help they were providing customers like myself during this pandemic. The best they would do is place one payment at the end of my payday loan, which is no different from what they would do as one-time courtesy outside of this worldwide pandemic. I told the representative that I was unable to keep up with these payments. The representative offered no help. The representative went on to say that missed payments would be subject to the terms and agreements documented in the contract. In speaking with a friend about it and describing the loan I was in, the person informed me that payday loans are illegal in Massachusetts given the high interest rate that exceeds the lending requirements of the state. I was also informed that this loan falls under predatory lending and violates Massachusetts law. I went to the Massachusetts website to obtain more information. The website did have information stating payday loans being illegal in Massachusetts. The original loan amount was XXXX dollars. The company is withdrawing more than XXXX dollars out of my checking account every two weeks. The interest rate on this loan is 789.97 % and I'm paying more than XXXX dollars per month, most of which is interest. When I took out this loan, I did not realize how high this interest would be. In the end, I will pay more than XXXX dollars for a XXXX dollar loan. I've already paid the original loan amount back with interest. I can not keep up with these payments. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1 ) On XX/XX/2019, a contractor gave me a verbal estimate to repair my garage door at a cost not to exceed {$360.00} without additional authorization. He completed the job and showed me that the door was working, and presented me with an invoice for {$860.00}. 
2 ) After arguing with him over both the price and his unauthorized expanded scope of work, I reluctantly paid the {$860.00} with my Capital One card. He left. 
3 ) I went to verify the doors operation, but after opening slightly, it would not budge. The contractor returned from his truck, inspected the problem, and told me it would be another {$650.00} to replace the motor and other parts. 
4 ) It was at that point, I realized that the inflated cost and the new damage were both a fraud. Not wanting to have an altercation, I told the contractor to leave. 
5 ) I called Capital One five hours later to apprise them of my having been victimized and to ask them to assist me in securing a refund. 
6 ) Capital One led me on for several weeks to believe that it was working on my behalf.

7 ) Each time I had contact with Capital One, it was with a different person and I was never able to get a last name.

8 ) Although the contractor is the perpetrator of the fraudulent act, Capital One is the enabler.

9 ) The only item Capital One would accept as validation of my claim is a refund voucher from the contractor ; they could have and should have told me so.

10 ) If I were able to secure the refund voucher, I would not have had any need for Capital Ones assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: MN

Complaint narrative:
I have requested for a copy of this debt with my signature. I havent received a 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 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Our lender XXXX ( LoanCare , LLC ) made 2 major mistakes with our escrow account and is not offering any resolution. Instead, were receiving the run-around as they attempt to raise our mortgage payment {$500.00} a month to compensate for their error. XXXX made the mistake of paying the county taxes twice thereby depleting our escrow account by {$2600.00}. They then calculated that they would make the same mistake next year incorrectly increasing our estimated escrow. The error on their behalf is glaringly clear on our online account as well as paper statements and has been acknowledged by every customer service rep we have spoken with. However, two weeks of phone calls to customer service, 2 promised dates of case correction and closure ( XX/XX/2020 and XX/XX/2020 ) have come and gone without any resolution or return of our mortgage payment to normal. We began speaking with customer service XX/XX/2020. Our mortgage payment is due in 3 days and they are penalizing us for their errors by raising our monthly payment from {$2200.00} to {$2700.00} to offset their mistakes. 

We see two resolutions to this problem yet XXXX has not allowed for any, especially in a timely manner. They can return our payment to the original amount as escrow payments are not due until the end of the year and this will be resolved by then. Or they can recalculate our anticipated escrow balance payout without the incorrect additional {$2600.00}, greatly lowering that {$2700.00} to a more affordable amount closer to our original payment while waiting on the reimbursement from the county.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have submitted a complaint about this company but have additonal information I would like to add as I spoke with them tonight. XX/XX/2020. Previously I had an issue where they lowered my credit line from {$4800.00} down to {$1500.00}. ( Would like to state they did this once before and I complained and my credit line was brought back up to {$4800.00} in the past ). I was told I need to make a payment then request the credit line brought back up. I made a {$300.00} payment and tonight I called and requested to bring this account back from {$1500.00} to {$4800.00} There was a soft inquiry done and was told it was declined. I am not understanding as to why they did this. My feeling is there have been many complaints put in by us about this company as we are still arguing the fact over a fradulant charge in the amount of {$510.00}. I feel we are being punished for something we did not do. I made more than the minimum payment and they still declined the request. I first initally was told when I called tonight that my account was closed with a XXXX  balance. Very misleading information. Because there is NOT a XXXX  balance.

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 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MN

Complaint narrative:
I have made numerous attempts to try to resolve this debt. I requested information baring my signature. I didnt receive any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have filed a dispute letter in regards to the incorrect items on my credit report. Its been week over 30 days and I haven't received information or 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 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: AL

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I sought assistance with obtaining my car title from this company and they have failed to send me the title. Its been longer than 45 days. 

I am disputing false late payments reported by this company.

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