vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC bank will not allow its customers to link their bank account with the XXXX  stock exchange app. therefore, not allowing myself to invest my money and will need to change banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Full access to my account online has been denied. I request restoration of access to manage and submit disputed online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: FL

Complaint narrative:
Full access to my account online has been denied. I request restoration of access to manage and submit disputed online.

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 2020-07-12 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: MD

Complaint narrative:
I recently sent letters over 30 days ago to this bureau or these bureaus and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no 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 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: KY

Complaint narrative:
This item was removed from my XXXX  credit report. Its wrong. Delete item. Also, I wasnt contacted about them putting this item on my credit report. Before placing item on report the person should be contacted. I wasnt. Remove and delete item from my credit report.

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 2020-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
This is a follow-up to a complaint I filed XX/XX/2020 with the case number XXXX. My complaint was against unnamed callers who have been calling for two years attempting to collect a debt owed to HSBC they have connected to a street address I lived at over ten years ago. I have no memory of ever having a line of credit with HSBC. I have had my credit score checked numerous times since these calls have been coming in and this debt has never appeared. I have made large purchases where my credit was checked and this HSBC debt was never mentioned. The callers have been abusive while threatening legal action and saying the name of my current address to perhaps scare me into paying them ( They only accept credit card payments over the phone ) I have already submitted all the phone numbers they have called me from in my previous complaint. 

I received a return letter from HSBC XX/XX/2020 stating there was no record of my name in their system and that none of the phone numbers provided had any affiliation with HSBC. 

But last week on XX/XX/2020 I received another robocall voicemail from the phone number XXXX XXXX XXXX. As usual, they do not announce where they are calling from, just that they are looking to verify my current address and place of work to proceed against me. They said they will be calling the human resources department at my work to move forward in their actions. But their client ( whoever that is ) is willing to settle if I got in touch by the end of the day. They ended off the call telling me this is a final warning and telling me to call this number : XXXX XXXX XXXX. They gave me a case number of XXXX. 

I thought I went through all the proper actions to get these calls to stop. How can I finally be done with receiving these calls? I do not owe this debt they have been harassing me with for over two years. I have asked them to provide more information on this supposed debt and all they tell me is it's from HSBC and the amount ( which fluctuates every time I ask ) There has been no attempt to provide printed documentation of this debt. As I stated above, these calls have been coming in for two years now. I would like them to stop without me resorting to hiring a lawyer. I am a man who suffers from XXXX XXXX on a fixed income and I can not afford such things. 

I just want the calls to end and I would like this unnamed organization to be stopped from harassing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
case # XXXX My citi mastercard card # XXXX XXXX XXXX XXXX The card dispute dept is bad service and no idea what they are doing. 

I used the card and overpaid {$110.00} which XXXX XXXX XXXX   manger offered me I called the bodyshop. XXXX XXXX agreed to credit me back on XXXX XXXX, XXXX. 
( I sent citi card manager bill email for the promotion 5 % from its part charge from my payment, etc ). 

But she did not put the credit in. I asked citi card to charge back, the dispute dept did not work out and took the letter from XXXX, which did not relate to the case, since the letter was not from the manager XXXX and did not discuss anything about the XXXX XXXX  5 % parts rebate offer. The letter showed how much I and my insurance need pay before the 5 % promotion. 
The manager used the promotion to get my business. 

That lead me to loss {$110.00} for no reason. 

I complaint to citi, citi emailed me that they will resolve in 15 days on XX/XX/XXXX. 
As today, I did not receive any feedback from citi. 
I called the number, its waiting time is more than 45 minutes, do I gave up. 

Thanks. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc bank will not permit me to use XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am unable to file a dispute with Transunion. Their website is not processing disputes ( circular loop ) ; their listed phone disconnects the caller after a series of options.

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 2020-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have no idea of charges nothing file by XXXX  at XXXX XXXX XXXX court to call XX/XX/2020 XX/XX/2020 no change in the report this a fraud by the XXXX  and Collection Agency theft by deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has my old account listed as " Check Fraud '' with XXXX XXXX XXXX ( XXXX  ) '' preventing me from doing anything of importance with financial instuitutions. I contacted bank of America, XX/XX/XXXX, where I spoke to fraud, atm fraud, account closures and other departments to get the information I needed to prove my case. 

After several blind transfers, 4 hang-ups and the rudest supervisor I had ever spoke to with a condescending tone and very XXXX  attitude towards the situation, I was not able to get anywhere. I disputed the information with XXXX  in which they were able to prove something I was not, and I am involved. 

I stated that in XXXX, when my account was negatively impacted, BOA advised me to get a police report for the incident, but at the time, the police station stated that in order for me to file a report, I needed " evidence '' of what happened and something showing who was actually involved. BOA had this information but refused to release anythign to me. So, at that time, I said " forget it ''. BOA was to do a " PROPER '' investigation in which they would have seen I was not responsible for anything negative regarding the account. BOA failed this investigation and just labled me as the " accused '' because it was " easier '' but not factual. 

The account actually closed because there was an " electronic '' deposit that wasn't real. I had no way of doing this. How can I, a non-hacker without any hacker access, be able to ELECTRONICALLY deposit money that was never there? I have never been able to do this, and if you look at my banking history, it shows the same. 

BOA is now know to be the worse bank for the general consumer. They have screwed a lot of people 's files because of their lackadaisical internal processes that only helps the bank or their top dollar consumers. 

This just isn't fair, and I need advocacy. I'm starting here after failed attempts with BOA and XXXX. Then, I am writing the attorney general, and last, I will use my own attorney for a civil dispute.

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 2020-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I disputed this collection account and was not provided valid documentation showing the details of why this account is linked to my information. I sent a letter by mail requesting to send me the information on the debt showing why, when, and how it was mine and advised them to provide me this information within 30 days, and nothing was sent to me. The original debtor that is showing on my credit file under XXXX XXXX XXXX XXXX illegally sold this debt to another company and is in clear violation of the HIPPA LAW and is now under Debt Recovery Solutions. Neither of the company 's have provided me ANY information in regards to how this debt is linked under my financial obligation and they have reported it as a debt to all three major credit bureaus. It is showing the total amount of XXXX owed to Debt Recovery Solutions as of last reported date of XX/XX/20. I am requesting that Debt Recovery Solutions provides a wet signature and documents proving that i am financial obligated and liable for this debt. If their company does not provide this information with in 30 days i will be seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I checked my credit and saw an old account from NC state employees credit union. I lost my job and fell behind on payments. I am still unemployed due to COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
On XX/XX/2020, I applied on-line for a mortgage with AmeriSave Mortgage Corporation. My wife & I signed a loan disclosure which specified a 30 year term, 3.25 % interest rate, and zero points. The {$500.00} deposit was paid, and dozens of documents were sent to the company, including financial statements and credit report. All of these items were deemed acceptable by the lender. However, the loan agreement was not locked, because AmeriSave claims it can not do so until the loan is fully approved with all conditions met and ready for closing. 

On XX/XX/2020, a modified loan disclosure arrived. See attachment 1 - the email  from Mr. XXXX ( Mortgage Loan Originator ). He offered no reason for the new document, nor did he mention the added expense of {$2400.00} discount fee. XXXX figured he might be able to snooker an XXXX year old senior citizen. 

On XX/XX/XXXX, I questioned the new numbers, and Mr. XXXX replied that a loan discount of .84 % was required " because rates went up ''. See attachment 2. THIS WAS AN OBVIOUS LIE. Note this XXXX XXXX report : " Mortgage Rates Hit Another All-Time Low XX/XX/2020 The 30-year fixed-rate mortgage has again hit the lowest level in our surveys nearly 50-year history, breaking the record for the third time in just the last few  months. These unprecedented rates have certainly made an impact as purchase demand rebounded from a 35 percent year-over-year decline in mid-XXXX  to an 8 percent increase as of last weeka remarkable turnaround given the sharp contraction in economic activity. Additionally, refinance activity remains elevated and low mortgage rates have been accompanied by a {$70000.00} decline in the average loan size of refinance borrowers this year. This means a broader base of borrowers are taking advantage of the record low rate environment, which will benefit the economy. '' Due to this crooked behavior, I ceased dealing with AmeriSave. See attachment 3, wherein XXXX said they would keep my {$500.00}. 

That same day, I got quotes from two other lenders at 3.25 % with no points. Subsequently, I locked with a bank at 3.15 % with zero points. Clearly, Mr. XXXX had lied about the interest rates, hoping to steal a few thousand dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-12 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I received an Alert from Experian regarding a change in my credit score. Upon going on line to review the info I found that, according to Experian, my Mortage Company had increased my debt 3 months in a row, despite the fact I am in forebearance, by over $ 6K. Upon reviewing documents from my Mortage Company, there was no such change. Thus the report from Experian was completely false. Note- I would have taken thiis up directly with them but their system for disputes is way too complicated and this is a serious enough error to be taken up with the CFPB.

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 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield Inc i have no idea of the Account XXXX  at XXXX XXXX XXXX is acting give notice of fraud, not responsible for the charges call in nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ACS Education Services
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX failed to review my previous claims directly. I demand that someone else review my file. This is my final warning. If my claims are closed again I will take it as a firm message from your company you do not see any errors on your part and have no problem if i seek litigation on any errors discovered moving forward. As stated in my last complaint : ACS is reporting false information to the credit bureaus. This is my final notice. You have 14 days to remove this item from reporting or I will file a complaint with the Department of Education and File a lawsuit against ACS. This stops now. My loans went into Forbearance from XX/XX/XXXX until XX/XX/XXXX. All my loans were refinanced and consolidated in XX/XX/XXXX. You are reporting late payments for periods were a forbearance was given. You have even supplied documentation establishing my claim that this loan was never late. The loans were either in different or forbearance. While the loans were in forbearance your company continued to sell the loan from one company to another creating misinformation and data errors. I am not responsible for you bad management. This loan was never late. Either update the credit file to show that this loan was in either multiple def-ferments or forbearance or remove it from reporting. I will not ask again. You are violating my rights under the FCRA and you are violating the reporting agreement between servicers and the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: NY

Complaint narrative:
On XX/XX/2020, I noticed three transactions on my account that I did not recognized. I contacted Capital One right away about it, I received a credit but a month later I noticed the same transactions on my card so I called them and they said that they were investigating the charges and to wait a few weeks, but a month later the charges were still in my account so today XX/XX/XXXX I called them again to find out the status and they just said that because the chip was use in the transactions that they will not refund my account, I tried talking to the manager to no avail.

I know that I didnt make these transactions and for them to let anyone use my account and not do anything about it, not even contacting me after the third transaction is unacceptable, also not refunding the money even though I have fraud protection on my account. I am a single mother with XXXX kids and I am trying to make ends meet, this is Capital Ones responsibility to make sure that my account is secure, and I know for a fact that the chip being used can not be an excuse because I have used my chip before and they did not approve the transaction until I approved it over my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
It is a straight forward situation. I was contacted by a collection agency that services my account that they were going to put lender placed home owners insurance on my property. This increased my monthly payments 3x the normal amount.My property is a vacant lot with no structures in the middle of a wooded area with no homes close. My insurance agent acquired vacant land insurance for my lot. Both myself and insurance agent sent them evidence of insurance for months which they didn't even acknowledge until recently when my lawyer became involved. They are not communicating effectively with my attorney.This is malicious skulduggery intended only to increase the collection agency profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
billing i have no idea

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