vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Trying to link XXXX card to PNC account and I am unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Tower Loan was paid in full. They never closed the s count acted I paid it. Last month I disputed the incorrect account information with them about the inaccurate detailing of this account. They have entirely two different balances on my XXXX  and XXXX  reports. They then pulled me credit last month twice without my consent and then flagged my credit report as 30 days late after I disputed. These people are crooks. The credit bureaus keeps verifying the account and havent seen proof of how they verified.

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 2020-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
Was making payments when i went the office after see by doctor. Never gave me receipts. Paycash .now there lawyer put it in collections ruding my credit score.please help to take care of this problem .eye doctor. Oh by the way had to find another doctor after my XXXX  XXXX. Wish was hard to do stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I was transferring digital currency called Basic Attention Token BAT from my Coinbase digital wallet back to my Coinbase Pro   account. The XXXX BAT never reached my Coinbase Pro account. In fact there is no record of the transaction anywhere I could  find. I made transfers of other digital assets before and after the disputed transaction without issue. I have made multiple formal complaints to Coinbase requesting my account be credited the XXXX BAT valued at approximately {$460.00} usd at the present moment I'm drafting this. They provided me with a " canned '' response on XX/XX/XXXX. Their response addressed none of my issues nor did it provide a explanation of where my digital assets went. I again filed another formal complaint on XX/XX/XXXX for the same exact issue and have yet to receive a response. In researching Coinbase they have a documented history of ignoring and or not resolving customer complaints. While {$460.00} isn't a large sum of money it's unacceptable that they will provide no documentation or explanation as to where my digital assets are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian keeps allowing a collection agency to take off erroneous information and replace it back on again and again. Causing significant harm to my credit score. XXXX XXXX is using Experian as a data resource finder for my information then re-adapting that information to fit their criteria. Moreover, this debt is/was part of litigation. Experian is not doing their do diligence, as they would have known this was part of a litigation.

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 2020-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: OH

Complaint narrative:
I closed on a refinance on XX/XX/2020 and paid off my old mortgage on XX/XX/2020. I had nearly {$11000.00} in the escrow account of my old mortgage. Based on applicable government regulations, the escrow balance should be returned to the borrower within 20 calendar days of a payoff. I called my old mortgage company to confirm this ; the phone representative confirmed that I will receive an escrow refund check in the mail by XX/XX/2020. However as of XX/XX/2020 I have not received any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please be advised that I was set up on Auto Pay since my account was opened. I made all payments on time. On each statement your Auto Pay Policy states ( If you are enrolled in our Auto Bill Pay program, your automatic payments will continue until your balance is XXXX. ) I cancelled my service on ( XX/XX/2020 ) and went to another Carrier. 
However you did not continue to draft Auto Pay after my service was cancelled, ( which is inconsistent with what your Auto Pay policy states on the statement ). Also I was not notified that your company would not attempt to draft the Auto Pay for the last bill, so I was unaware that the last bill was not paid until it showed up on my credit report as a collection. 

I called XXXX XXXX immediately and paid the bill asking why you did not submit the Auto Pay draft. I was advised that since the service was cancelled your company stops the Auto Pay, again ( which is inconsistent with your Auto Pay Policy on the statement ).

This late payment collection reporting on my credit report is due to an ( Auto Pay error ) with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
This complaint is in reference to DISCOVER BANK Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney. 

The letter was sent to : XXXX XXXX XXXX DE XXXX Listed address on the record : XXXX XXXX XXXX DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax keeps allowing a collection agency to take off erroneous information and replace it back on again and again. Causing significant harm to my credit score. Collection company is using Equifax as a data resource finder for my information then re-adapting that information to fit their criteria. Moreover, this debt is/was part of litigation. Equifax is not doing their do diligence, as they would have known this was part of a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please be advised that I was set up on Auto Pay since my account was opened. I made all payments on time. On each statement your Auto Pay Policy states ( If you are enrolled in our Auto Bill Pay program, your automatic payments will continue until your balance is 0. ) I cancelled my service on ( XX/XX/2020 ) and went to another Carrier. 
However you did not continue to draft Auto Pay after my service was cancelled, ( which is inconsistent with what your Auto Pay policy states on the statement ). Also I was not notified that your company would not attempt to draft the Auto Pay for the last bill, so I was unaware that the last bill was not paid until it showed up on my credit report as a collection. 

I called XXXX XXXX immediately and paid the bill asking why you did not submit the Auto Pay draft. I was advised that since the service was cancelled your company stops the Auto Pay, again ( which is inconsistent with your Auto Pay Policy on the statement ). 

This late payment collection reporting on my credit report is due to an ( Auto Pay error ) with 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 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans union keeps allowing a collection agency to take off erroneous information and replace it back on again and again. Causing significant harm to my credit score.  Collection company is using Trans union as a data resource finder for my information then re-adapting that information to fit their criteria. Moreover, this debt is/was part of litigation. Trans union is not doing their do diligence, as they would have known this was part of a litigation.

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 2020-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: MN

Complaint narrative:
I recently went through a VIRRL loan on our current mortgage with the Intercontinental Capital Group ( ICG ) out of XXXX NC. Our loan officer was XXXX XXXX and was pleasant throughout the process, but was making promises he did not keep. Aside from being mislead on what to receive back from our current escrow account at closing ( XXXX stated approximately {$3300.00} would be returned to us, we received only {$1400.00} ), and inflated title fees that were more than agreed upon ( we agreed on {$900.00} total, but at closing, the fees were over {$1100.00} ), XXXX assured us that he would have XXXX XXXX XXXX ( XXXX  ) service our loan as the lender after we close. My wife and I had expressed our concern about this issue out of the gate, stating we wanted to go with a VIRRL group that could put our mortgage in the hands of XXXX XXXX or XXXX. XXXX informed us that XXXX XXXX would require us to lock in at a higher percentage rate, but we could use XXXX with the current rate being offered. We had a phone call with XXXX, and he seemed to forget this detail, said our loan was being transferred to XXXX XXXX, and that he would see what he could do about getting it over to The XXXX XXXX. But at this time, he stated he doesn't have much say in this area, after he previously promised us that our mortgage would be serviced by XXXX. We copied his VP, XXXX XXXX on follow up emails to XXXX, but have received no response since. We started this process in XXXX of 2020, and closed on the loan in XXXX. After learning that our mortgage was acquired by XXXX XXXX, our initial research of the company shows that it has very poor reviews. So now we are left in a position that we tried to avoid from the start. We were promised The XXXX XXXX, and we were placed with a poorly rated mortgage company that we never heard of until we found out they acquired our loan. We are very disappointed with being mislead on several issues, the most important being the mortgage company that would acquire our loan. Had we known this, we would never have proceeded ahead with ICG for our VIRRL needs. I believe ICG should be held accountable for making promises that they never intended on keeping. Now that their business is concluded on their end, they have shown no desire to reach out to us or email us back to address our concerns. I am a proud XXXX XXXX veteran that is ashamed of being mislead and taken advantage of by a company that supposedly has authority to manage VA and VIRRL loans. Their best interest is in their bottom line, and when the closing is final, it is quite apparent. I would urge all of my fellow veterans to stay clear of ICG. If your company is going to support lying and misleading clients to close a deal, in my opinion you should have no right to be a VA loan lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I paid off my my lincoln loan on XX/XX/XXXX ... I never received the the title only my refund check. They told me I had never updated my address even though I had in XXXX of XXXX when I moved, and had received my refund check, as well as had mail forwarding set up. Lincoln credit told me the title was mailed back to the Texas DMV ... but they never got it. I filed for a duplicate title which I had to pay for. However, even with sending the pay off letter I was denied twice stating there was still a lien on my vehicle. I have called twice and they say to follow up with my dmv. DMV says to talk to Lincoln Credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
I have an online banking account ( checking/debit card ), Current, ( debit card issued by XXXX XXXX XXXX XXXX. XX/XX/2020, at approximately XXXX XXXX I woke up and saw a notification on my cell phone from the Current bank app. When I opened the app I found that my account had been emptied, all but {$7.00}. There were seven different charges on my debit card made that day, XX/XX/2020, between the time XXXX XXXX  - XXXX XXXX, all from the same merchant. 

Every charge displayed on the app listed the merchant as " XXXX XXXX XXXX  ". Total amount taken from my checking account was {$670.00}. I immediately contacted my bank to dispute. At that time all seven charges were still in pending status. The Current representative, via online chat in the Current app, stated I'd have to wait until the charges cleared in order for them to dispute the charges. Also stated it could take 30-90 days to get my money back and that a police report was not needed. After leaving the chat I sent the issuing bank an email in an attempt to understand how this could possibly happen ( no response as of XX/XX/2020 ). Later that same morning, I contacted a Current representative who emailed me a dispute form. I completed and immediately returned that same day ( XX/XX/2020 ). Current acknowledged the receipt of the document. 

I XXXX the merchant and it appears to be a bank in XXXX. It seems that any banking institution should have recognized obvious illegitimate activity considering there were seven charges for hundreds of dollars made in a span of 8 minutes from a foreign bank in the middle of the night. 

It has now been a month and I have not once received any communication from any entity that I have reached out to ( Current, XXXX XXXX XXXX, XXXX XXXX, or the bank associated with the fraudulent charges ). Several times over the month I have used the Current chat feature in an attempt to get any form of a status update. Every representative tells me the same thing, to wait and the dispute team will notify me. I've asked why I didn't get the 10 day provisional credit, because I am a single parent of a child with a XXXX XXXX who works full time and {$670.00} to me, are essential funds. This has set so far behind on everything financially. 

My paycheck is direct deposited into this account and I'm terrified of this happening again considering how easily it was allowed to occur. My debit card number was stolen, I can't find out how, I can't find out how a banking institution has such lax security measures, I can't find out when I'm going to get desperately needed funds returned. I'm assuming the bank is going to wait until the very last required minute to refund the money? Is there a mandate detailing requirements to meet regarding the 10-day provisional credit or is that just an option?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am attempting to close the Estate of my deceased parents. PNC holds at least one account in their names. I have submitted everything legally necessary to validate my authority for both deceased parents. Yet PNC will not release the funds. I initiated this process with them in XXXX of 2020 and have followed up multiple times speaking to multiple PNC associates about this matter. Still no action on their part. 

XX/XX/XXXX : Met with XXXX XXXX ( XXXX ) at PNC to present my information. I have at least 13 e-mail follow ups to XXXX XXXX and others plus multiple phone calls. 

PNC initially asked for additional legal documentation which I have provided. 

Others Spoken with : XXXX XXXX XXXX Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Ph. XXXX Fax. XXXX XXXX XXXX XXXX, Retail Escalations XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I Pulled all three bureau reports to see what was reported and what was affecting my credit. I was greatly concerned that an inquiry from XXXX XXXX  XXXX  on my Equifax report. Upon finding information about this company, I found out it was an auto dealer located in XXXX XXXX, SC. I've lived in Arizona since XX/XX/XXXX. I contacted XXXX/XXXX  about an inquiry on my report to find out, it was a business account and they have NO information in their database with my social security number. They asked me to reach out to the bureau and I did but nothing was done about it. I contacted XXXX/XXXX  and the same outcome, nothing involving my social security number was in their system. Both XXXX and XXXX  conclude that the inquiry was for business and my social security number is not in their system. I don't know who or what is pulling my credit. XXXX XXXX was also on my Equifax inquiry and I did not authorize any of these transaction. I've placed disputes so many times I'm tired. I placed a dispute with the bureau and was informed the information was verified. I worked for places like this and I know they are using the OSCAR system to verify. Because if they were to contact the agencies in question, they would have gotten the same answer I received. EQUIFAX The remainder of these inquires are mine. 

XXXX  : This bureau was contacted as well about the inquires and was told verified XXXX XXXX  XXXX XXXX XXXX XXXX The remainder of inquires are mine on this report XXXX  : XXXX XXXX XXXX XXXX XXXX ( 2 ) ONE MONTH APART XXXX XXXX XXXX The remainder of the inquiries are mine on this report My final concerns is a collection agency XXXX  XXXX  : I've contacted XXXX  XXXX  in regards to an account that was on my credit report. I was told they no longer own the account because the account was sold to XXXX  XXXX. This collection agency is reporting on all three bureaus as a factoring company which is incorrect and a reporting violation. It is also being reported as being opened on XX/XX/XXXX but yet being reported as updated on XX/XX/XXXX. I'm totally confused about an account being updated before being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
On XX/XX/2020, I paid off my XXXX XXXX XXXX XXXX credit card issued by Comenity Bank ( {$1400.00} balance. Now, over a month later, Comenity still shows the last statement balance of {$1400.00}. I've asked them twice to report the paid off XXXX balance to the credit reporting firms. They declined to do so, stating that they only report once a month on the billing cycle. These cycles are 30 days long, so they should've reported the XXXX  balance already. Also, they still show that {$1400.00} balance on the account opening screen. You have to drill down to the Payments screen to find there's a XXXX balance on the account. 

I'm trying to refinance my mortgage ; Comenity 's failure to report a paid off account in a timely manner negatively impacts my credit score and impairs my ability to get a better interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX, TX XXXX is listed on my credit report with TransUnion. Inquiry from XX/XX/2020. I did not authorize this inquiry. I called XXXX XXXX XXXX and was informed they had no information on me to file a dispute. I tried filing a dispute with transunion however it would not go through. and noone answers the phone.

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 2020-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I leased a car through GM XXXX XXXX  and I had trouble making payments due to illness so in XXXX of 2019 I was going to file a XXXX XXXX bankruptcy and turn the vehicle in the XXXX XXXX bankruptcy was dismissed and the vehicle was grounded GM never sent me a final bill and The total I seen on my credit report was over 19,000 dollars this vehicle was a lease and the total amount of the lease was only XXXX. How can they charge me three times the amount without sending me a final bill and they have their vehicle back. The amount of the vehicle was approximately 19,000 dollars but they have their vehicle in their possesion.

Company response to consumer: Closed with non-monetary relief