vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I purchased a vehicle at a dealership who financed for XXXX XXXX XXXX XXXX. When I purchased the vehicle the engine light was on the dealership gave me an IOU BILL to fix tbe vehicle when I returned, the dealership had " GONE OUT OF BUSINESS ''. In the state of Georgia your vehicle must past emmissions in order to purchase a license plate It is also illegal to sell a vehicle with engine light illuminated. After notifying credit acceptance i filed several disputes with pnc on XX/XX/2018. I was given a provisional credit for each dispute one totaled {$500.00}, {$250.00}, {$270.00} and {$350.00}. On XX/XX/2018 three months later PNC DEDUCTED THE PROVISIONAL CREDITS FROM MY ACCOUNT. I immediately called PNC bank and was told there was nothing I could do about it because time had expired..I reached out to credit acceptance and was told that the money went back to PNC on XX/XX/2018 and they gave me reference numbers for the disputes. I have called Pnc bank 21 times, went to 2 PNC Branches and sent 15 text messages. On XX/XX/2018 I tried again to get some answers from PNC I received a response from XXXX XXXX on the Pnc message center website which she states that they didnt rule in my favor because the questionnaire was returned to Pnc due to incorrect address ... that is unacceptable!! If they took the time to open the letter which they did, they knew I needed that document why didnt someone call me, email me?? my contact information didnt change. That is withholding and deceptive and I believe PNC done that intentionally. Pnc knew that the dispute process couldn't be complete without that document. I never got a fair chance!! On XX/XX/2018 I got a call from XXXX XXXX from PNC who said after reviewing my account that PNC had made several errors while entering the disputes and that he would get back with me that afternoon. ( He never called back ) the next day XX/XX/2018 XXXX XXXX from PNC ESCALATION DEPT called me to inform me that I would be receiving a call from His Manager TODAY and his name was XXXX. ( He never called ) THIS IS NOT  ACCEPTABLE - AND I HAVE BEEN MORE THAN PATIENT.. PLEASE TELL ME WHERE MY MONEY IS ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This company is reporting a negative debt entry on my credit report. I strongly believe that my credit profile may have been mistaken for someone else 's. I've requested an investigation of this debt or an immediate deletion of the entry if the creditor can not support their claim. I've never done business with a creditor by this name. According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, they are in violation of two different consumer credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
**PLEASE READ** THIS IS NOT A DUPLICATE. 

Santander says XXXX  changed the account status to " Closed '' on my credit report because there was an open investigation. They told me to contact XXXX. XXXX  told me that they did not change the status, but Santander is responsible for reporting the correct info to them. They opened up a dispute for me and sent it to Santander, but it came back as verified as accurate. See two screenshots. 

SANTANDER, PLEASE REPORT TO TRANSUNION THAT THE ACCOUNT IS STILL OPEN, AND UPDATE THE BALANCE. THIS IS AFFECTING MY CREDIT SCORE. THE PERSON WHO HANDLED THE VERY FIRST CFPB COMPLAINT FIXED THE STATUS AT XXXX, SO IT IS POSSIBLE. THE STATUS AT THE OTHER TWO BUREAUS IS CORRECT SO PLEASE DON'T CHANGE THOSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I GOT MY CREDIT REPORT FROM EXPERION, THEN IT TOLD ME THAT I HAD ONLY 2 MINUTES LEFT ON MY REPORT AND THEN IT CUT ME OFF. THIS IS NOT ACCEPTIBLE. PLEASE SEND ME MY CREDIT REPORT! tHERE ARE DISPUTES ON IT, i WANTED TO ADDRESS THESE DISPUTES!

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 2018-12-17 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I engaged a dispute regarding a purchase on my Wells Fargo card in XX/XX/XXXX ;  the charge goes back to XX/XX/XXXX. After months of back and forth, WF 'resolved the dispute in my favor ' ( see attached email ). Yet, I can not get them to remove the charge from my credit card, despite numerous requests, and despite notifying them that eventually I would need to file a CFPB complaint. The charge is still listed today ( XX/XX/XXXX ), and they are attempting to force me to pay the amount by XX/XX/2019 ( see accompanying statement ).

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 2018-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Campos Financial Corp.
State: CA

Complaint narrative:
The loan officer is the worst person ever. 
I was looking for a home and my realtor said he was the best i trusted him and when i had issues i would always get a message saying he is out of town he is too busy to deal with my XXXX. When it came time to close for my house i didnt even know they had increased the amount for my down payment even though they knew i didnt have the money. They said you dont get the house if you dont have this money and told it was the only way from the beginning. But they never told me that. He never answered my calls or text or asked me if i was comfortable with any of his decisions. I was very offended with his attitude and the way he mistreats people he works with. and will never evveeeerrrr do buisness with him. From XXXX The loan officer they work with needs to be investigated, XXXX XXXX at XXXX XXXX. Tel : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: AR

Complaint narrative:
Guild Mortgage took two payments out of my checking account for my house payment due XX/XX/2018. One payment was taken out XX/XX/2018, and a second payment was taken out XX/XX/2018. Because I had two house payments taken out of my checking account, my account became overdrawn with a negative cash balance. This resulted in 3 overdraft charges of {$35.00} each from my bank for a total of {$100.00} in overdraft fees. 

I sent a letter to Guild Mortgage asking for a refund on my second house payment, and at the time two overdraft fees of {$35.00} each. The third overdraft fee came in after I had sent them the letter. They sent me a check in the amount of the house payment, but ignored my request for reimbursement of the overdraft fees. 

I believe they should send me a check for {$100.00} to reimburse me for the 3 overdraft fees, since they caused the problem by deducting 2 house payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Illegal repo of vehicle. 
But XXXX. I was in chapter XXXX bankruptcy from XX/XX/XXXX-XX/XX/XXXX my XXXX XXXX was included in the bankruptcy. In XX/XX/XXXX I voluntarily dismissed my chap XXXX bankruptcy. I received no notice or demand for payment from XXXX or any company that contacted me on the balance owed. Tonight XXXX a repo person took the vehicle. 
I still have 2-3 yrs left on the loan -monthly payments. The last trustee payment on this loan was paid XX/XX/XXXX So how am I now delinquent enough for repossession in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Disputed debit card transaction with Chase Bank on or about XX/XX/2018 with a useless unhelpful individual with case number XXXX. This was for a purchase charged to the account in the amount of {$760.00} on or about XX/XX/2018 from merchant XXXX XXXX XXXX, as per the attached and per my phone call, this charge was paid for with alternate method of cash as per the attached paid receipt. Further, never signed for the purchase nor agreed/allowed the merchant to bill me for this purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have opened a money market 360 account with CapitalOne on XX/XX/XXXX under a promotion code XXXX. The exact terms of the offer was " Open a 360 Money Market account and deposit {$50000.00} or more by XX/XX/2018, using promo code XXXX to earn your exclusive {$500.00} bonus ''. 
It never said neither about balance of {$50000.00} or more nor single deposit of {$50000.00} or more. 
I did a cumulative deposit of {$50000.00}. I have highlighted this issue in twitter with the offer link " https : //www.capitalone.com/savings500/ ''. CapitalOne deleted that page after my post. If capitalone was correct on this then they should not hide/delete that page with terms and condition of the offer. 
However I already archived that page here- " https : XXXX : //www.capitalone.com/savings500/ ". 
In XXXX  capitalone said that they will escalate this issue, however I did not get any update from them. CapitalOne did not honor their own terms. They should understand that balance of {$50000.00} and deposit of {$50000.00} are not same. I did cumulative deposit of {$50000.00}. Terms never said that cumulative deposits are not eligible for the bonus. I met the terms and condition so I'm eligible for the offer. 
I think this is the high time for capitalone to correct themselves and stop deleting the page of offer 's terms and condition. 

Further, in one of call or chat I was informed deposit should work and no need to maintain the balance of {$50000.00}. Later CSR tried to change own statement. Now this is really a trust issue with capitalone. 
Hope this time capitalone should do something to get back customer 's trust in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
After several attempts to recoup the overpaid dues in escrow XXXX and Lakeview Servicing have used several different attempt to use errors in accounting to deceit the buyer into a larger escrow balance than what is due. {$6200.00} over 12 months would be {$520.00} every month. They have charged an excess and have even made statements like you failed to pay a supplemental tax, they provide no proof of this. After even emails with the compliance director of Lakeview she tried to explain the reasoning of the issues. She stated that there are no errors and that if I have an issue that I should contact XXXX. The issue I have is {$520.00} is missing from escrow. I have identified what we should label money laundering. They state the overage is {$1200.00} where they only have bills and receipts for a total of about {$4500.00}. {$2600.00} for hazard insurance and {$1900.00} for taxes. This is a total of {$4500.00} if ytd over XX/XX/2018 to XX/XX/2018 XXXX is over. They only issued a check for {$1200.00} so where is the remaining {$520.00}? That seems very close to the missing money from escrow. Please identify issue and reprimand both companies and all associates involved as CFPB was already contacted on this issue with a falsified 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 2018-12-17 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: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX has been non-compliant with removing the unverified account REGIONS BANK XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that REGIONS BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-17 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: MO

Complaint narrative:
My identity has been compromised inwhich lead to opened and closed accounts in my name. I have tried to remove these accounts before all to no prevail. However, after reviewing the language in the FCRA, it stated that when accusing a consumer of a debt that the consumer has the right to see physical documentation of which the debt is owed. In my dispute of the following accounts, I'm respectfully requesting physical documentation or the accounts shall be removed. I do not have no contract with these companies therefore I'm asking them to be removed. No contract, contract has been cancelled. The following accounts are, ( 1 ) XXXX XXXX XXXX, {$4200.00}, date XX/XX/XXXX ( 2 ) XXXX XXXX, {$3200.00}, date XX/XX/XXXX ( 3 ) XXXX XXXX XXXX, {$640.00}, date XX/XX/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 2018-12-17 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND I HAVE BEEN TRYING TO DISPUTE UNVERFIED ACCOUNT WITH EQUIFAX FOR THE LAST YEAR, I SEND OUT FCRA SECTION 609 LETTERS AND EACH ROUND IS MORE DETAILED WITH THE FCRA LAWS I SENT THE LETTERS CERTIFIED I TYPE AND HAND WRITE THE ACCOUNTS AND ACCOUNT NUMBER IN BLUE PEN I ALSO ATTACH A NOTARIZED LETTER OF ACKNOWLEDGMENT WITH PHOTO COPY OF MY ID AND SS CARD IN COLOR. SO HERE IS THE TWIST IF YOU EVER SENT A DISPUTE LETTER AND PROOF OF WHO YOU ARE CLEAR AND IN COLOR AND YOU GET A LETTER BACK FROM EQUIFAX SAYING THEY NEED MORE INFO TO VERIFY WHO YOU ARE ... ..WELL I JUST FOUND OUT THROUGH EQUFIAX REP ASKING WHY THEY HAVENT SEND ME BACK IN THE LAST YEAR OF MY DISPUTE LETTER THEY RESPONED SAYING MY NOTARIZED DOCUMANT IS NOT A CLEAR IMAGE BECAUSE ITS IN BLACK AND WHITE ... .YA LOL I KNOW BLACK AND WHITE???? I ALWAYS SEND MY DOCUMANTS IN COLOR AND I HAVE VALID PROOF SO LONG STORY SHORT WATCH OUT THESE CLOWNS ARE DOING SHADY STUFF TAMPERING WITH ORIGINAL SEALED DOCUMANTS AND FAILURE TO COMPLY WITH FCRA SECTION609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Section 611 ( 5 ) ( A ) of the FCRA Section 616 & 617 I ALSO HAVE SENT CERTIFIED DEBT VALIDATION LETTERS TO COLLECTION COMPANY XXXX XXXX XXXX AND RECIEVED NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My identity has been compromised inwhich lead to opened and closed accounts in my name. I have tried to remove these accounts before all to no prevail. However, after reviewing the language in the FCRA, it stated that when accusing a consumer of a debt that the consumer has the right to see physical documentation of which the debt is owed. In my dispute of the following accounts, I'm respectfully requesting physical documentation or the accounts shall be removed. I do not have no contract with these companies therefore I'm asking them to be removed. No contract, contract has been cancelled. The following accounts are, ( 1 ) XXXX XXXX XXXX, {$4200.00}, date XX/XX/XXXX ( 2 ) XXXX XXXX, {$3200.00}, date XX/XX/XXXX ( 3 ) XXXX XXXX XXXX, {$640.00}, date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: MO

Complaint narrative:
My identity has been compromised inwhich lead to opened and closed accounts in my name. I have tried to remove these accounts before all to no prevail. However, after reviewing the language in the FCRA, it stated that when accusing a consumer of a debt that the consumer has the right to see physical documentation of which the debt is owed. In my dispute of the following accounts, I'm respectfully requesting physical documentation or the accounts shall be removed. I do not have no contract with these companies therefore I'm asking them to be removed. No contract, contract has been cancelled. The following accounts are, ( 1 ) XXXX XXXX XXXX, {$4200.00}, date XX/XX/XXXX ( 2 ) XXXX XXXX, {$3200.00}, date XX/XX/XXXX ( 3 ) XXXX XXXX XXXX, {$640.00}, date XX/XX/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 non-monetary relief
Consumer complaint received 2018-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There's accounts on my report that I'm requesting to be blocked and/ or removed due to the simple fact that the contracts with these companies has been cancelled, therefore there's NO CONTRACT, inwhich I'm obligated to, nor is the accounts rightfully mines. In accordance with the FCRA laws, the creditor and/ or reporting agencies shall provide the consumer with certified physical documentation of such accounts. Please remove the following accounts if you can not provide documentation. XXXX XXXX XXXX, XX/XX/XXXX, {$11000.00}, ... XXXX, XX/XX/XXXX, {$730.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$0.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$17000.00}

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 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX aka squium asset solutions and they did not put an account number. I have not had a XXXX XXXX account in over 6 year. They are say XX/XX/2018 through XX/XX/2018. I have XXXX XXXX And on my credit report they dont list an account number so I have no idea what this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: MO

Complaint narrative:
There's accounts on my report that I'm requesting to be blocked and/ or removed due to the simple fact that the contracts with these companies has been cancelled, therefore there's NO CONTRACT, inwhich I'm obligated to, nor is the accounts rightfully mines. In accordance with the FCRA laws, the creditor and/ or reporting agencies shall provide the consumer with certified physical documentation of such accounts. Please remove the following accounts if you can not provide documentation. XXXX XXXX XXXX, XX/XX/XXXX, {$11000.00}, ... XXXX, XX/XX/XXXX, {$730.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$0.00}, ... .XXXX XXXX  ,XX/XX/XXXX, {$17000.00}

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 2018-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
Im having trouble logging into the online account for an XXXX store card ( Synchrony Bank ). They locked me out because I cant access my old phone for SMS verification and they dont want to accept my new phone number. Thus I have no way to pay my bill.

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