vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC
State: MD

Complaint narrative:
I leased my first Volvo via Volvo Financial on XX/XX/XXXX. I have always paid my account with Volvo Financial online as I have been doing since the inception of the lease term. In seeking to update the history of my account with Volvo Financial I noticed I didn't have all monthly statements for my account including back to XX/XX/XXXX. I have since discovered that I can not get more than 3 last most recent leasing statements via the payment website ( https : //www.volvocarfinancialservices.com/ ). I called Volvo Financial today with the purpose of requesting the missing statements. I was told I can not get any statements other than the 3 prior consecutive months ( I can't get the XX/XX/XXXX statement today because the online system is down ). There is no way to request paper statements to be mailed. I was told by the CS rep that it is a Volvo Financial company policy not to provide any other statements and that I can't make a request for prior monthly statements because they don't exist. Every other company I do business with including different vehicle leasing companies and credit card companies allow me to access online up to 2 years or more of my monthly statements. Some allow me to request statements to be mailed that are older than 2 years, which I have done in the recent past. 

Furthermore, Volvo Financial should be required to DATE the monthly statements retrieved on line. None of the statements I have been able to download contain a statement date!!! The only way I have any idea when the monthly statement that I can view on Volvo Financial 's website is because of the date the available statement appears to be posted. There is no logical explanation for why a statement does not have a date reflecting when it was generated. 

These issues constitute a violation of my consumer rights and I want Volvo Financial to be required to provide the " missing '' monthly billing account statements. I don't believe they can not be provided ( I bet they could find them if there was litigation surrounding the debt at issue ) and because I have a right to be able get this documentation to verify for MY records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: IL

Complaint narrative:
I received alert from XXXX about an inquiry on XX/XX/2020, in XXXX, which I never made. It used Equifax for the credit report. 
I attempted to dispute with Equifax and I was directed to file a report here before I can submit a dispute with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I recieved a US bank relicard approx 1yr and half ago when I got laid off my job, however the card was never used because I got a job very quickly, so the card was just dormant and had no funds on it. Then 8 mons ago I decided to shredded the card not thinking i would ever need it again. Then corona hit and now I am laid off, I opened a new unemployment claim and requested my funds be sent direct deposit into my checking account. Some of the funds were placed direct deposit and then I find out the other funds where placed on that card. I called unemployment they will not send me another card and told me to request on from U S Bank and gave me the number. Well what a joke I have now been on hold with U S Bank for 13hrs and no answer just music and sometimes just dead space. This is so so crazy will this is not right to keep people on hold and I dont know how I am ever going to get my money.

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 2020-04-27 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
In XXXX of XXXX I obtained a loan from TD Auto Finance ( account number XXXX ). When I received my first billing statement I noted that my last name was misspelled on the satetement. I reached out to TD Auto Finance right away and requested a change. They responded asking for a copy of my DL which I provided. The name was not corrected. 

In XXXX of XXXX, I paid off a loan and received the title to the car. The last name and address were incorrect on the title. I reached to TD Auto Finance 3 times until they finally responded a couple of weeks later telling me to go to DVM to correct the issue. 

Given that this is a problem with TD Auto Finance and how they keep their records, I would like the to fix the title and re-issue a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
I applied for a refi in XX/XX/XXXX and was scheduled to sign closing docs on XXXX. However, minutes before the notary service was to arrive they sent a text saying the signing was canceled and the lender would contact me. They didn't but I called them and was told they need to verify my XXXX tax returns transcripts but XXXX  system wasn't allow them access due to Corona Virus issues so they told me I had to get them myself. I tried 3x but it wasn't available to me either online. I provided the lender XXXX XXXX proof of filing online 2x. After requesting a manager and calling them several times my rep XXXX said they still had to wait for the transcripts. So far they have not return my calls and loan still not closed.

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 2020-04-27 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: MI

Complaint narrative:
in 2017, goin thru a divorce, divorce decree signed by judge stated that ex spose was to sell house or refinance within a year and hold me harmless, that didnt happen, forclosure se sent it to,,, i cant get help getting it off my report.. its her responsibilty and action for this mess ...

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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
on friday XXXX XXXX i was trying to make a transfer from my account to my sister through XXXX, and it kept on declining, i received a text from my bank asking me if i was trying in make this transaction i replied yes i received another text stating that i need to contact my bank fraud department at XXXX which i did they confirmed if i was trying to make this transaction and i confirmed it, the gentlemen ok im going to unblock the card and tried it again 5 minutes, i tried it again and once again it didn't go through i received another test asking to contact the fraud department, i called again and they once again said to try it later, i explained to them that this was urgent that i had family emergency and i was sending my sister money through XXXX, she stated-that everything was fine and that i shouldn't have any problem, i explained to her that my father was very ill and i would be traveling on saturday and i wanted to make sure everything was fine, i gave it some time and i once again gave it another try to send the money to my sister, and once again it declined i was told at that time that my card had been placed on a temporary hold by the security department and that their department was closed until monay and there was nothing that they could do, i begged them to please do something as my father was very ill. and their replied was that they could not do anthing, i was no able to catch a flight or transfer money to my as my card was disable, my father passed away on saturday night, and i was not able to be there, due to not having any of my funds aviable, i have contacted them this morning and all they could say is that someone has to call me back, i am still waiting, this is not acceptable, i never received a call a ect or email notifying my that me card was going to be on temporary hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX I did a loan modification for a XXXX XXXX  that had been transferred to TD Bank. I was pressured into accepting these terms in order to not lose my house. The terms I signed do not match the amount I am being charged. They show {$15000.00} in outstanding balance and my paper work shows {$3400.00}. I would like relief for the amount of charges and accrued interest they are charging me. Accrued interest on the modification says {$34000.00} on my account but the paperwork I signed says {$33000.00}. Since TD Bank has taken over this loan I have always had to be transferred or wait for someone to call me because my loan is in a different system. I cant access it online. Cant talk to people in the Bank. Customer service because it was a XXXX XXXX is horrible. I should be able to call and get help with my account and not have to wait 3 to 5 days for someone to call me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have tried connecting my onc account to my business accounts, XXXX  and XXXX  and pnc will not connect them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I notified I C systems asking them to validate this debt and provide documents thew meet the legal requirement. I contacted both IC systems and all three credit reporting agencies to have this issue rectified but to no avail. I'm asking the agency to help me with this matter. 

I would greatly appreciate the assistance. 

Sincerely XXXX 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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This is a complaint that has already been taken care of. 

My husband and I both recently put a hold on our credit freeze so that we could get a new credit card. He called TransUnion on the phone to do this. He never once authorized a new service or gave them our current credit card information. YET, we just discovered ( while reviewing our current credit card charges ) that they charged our current card {$24.00}. Again, we never even gave them our card number. 

We were able to call them back, and after 45 minutes on hold, he was instructed to call a different number. After another long hold, a representative did finally cancel the charges ( although I haven't yet seen that materialize on our current card ), after stating that this {$24.00} was for credit monitoring. Again, he NEVER authorized any such services by them. 

When searching the internet, it seems like this is a common complaint coming up. I really think that government oversight should look into this, as they are charging unsuspecting customers who might have never even given them a credit card number. Did they use our information from our credit report? If we hadn't been vigilant in going over our charges, then they would have gotten away with this. 

Link to a website with numerous similar complaints : XXXX XXXX XXXX  Please look into this. 
Best, 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 2020-04-27 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: LA

Complaint narrative:
filed ftc with these company and filed number attached XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXCDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX, XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
PHH assumed the mortgage servicing from XXXX OCWEN in XX/XX/XXXX. PHH indicated that my payment for XXXX was received one day late and charged a late fee. My bank indicated that PHH has rejected their payment and required it to be sent out by mail. PHH never waved flight fee despite the fact that there shouldve been some notification of change of servicingIn XX/XX/XXXX of XXXX I sold my property and pay off my mortgage the PHH has failed to remit the balance of the escrow account and every time that I either write them they say that they have a record of the loan number or if or online application I receive an email stating that they can not respond back to me because they do not have email listed in their accounts each time Ive tried to call them for the past two months I need to get a recording that says theyre unable to connect me to a representative or I get a recording that says hold for the next operator and then Im disconnected I want to both the payment of my escrow thats not have not having been disbursedTo be refunded and the satisfaction of mortgage to be executed by PHH Despite notifying PHH about a change of mailing address telephonically and in writing in XX/XX/XXXX plus XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX year end statements and bills continued to be sent to prior address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my 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 2020-04-27 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my 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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Your complaint on XX/XX/2020, I sent a third party debt validation letter to Portfolio Recovery Associates, requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated with the account. By law pursuant to 15 U.S.C. section 1681 s-2 of the Fair Credit Reporting Act ( FCRA ), Portfolio Recovery Associates, has failed to validate the this alleged debt in the allotted ( 30 ) day time frame pursuant to 15 U.S.C. 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: GA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

DPT EDXXXX XXXX {$430.00} DPT EDXXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$1400.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX  XXXX {$360.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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:
Can not connect or transfer money from any account with pnc. Everytime I try to link I get a message saying PNC has made a change does not allow me to link my own accounts. Customer service was all but unhelpful and basically told me it is what it is. I have 0 issues with any other account, pnc needs to allow customers the ability to access THEIR own money and account they way they feel need be, they should never deny me access to my own account and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: NJ

Complaint narrative:
I have filed several complaints against the company and they continue to ask for the same information. In there response of XX/XX/2020 they write they have received my drivers license however need a copy of my Social Security Card. The social security card as well as my drivers license were both mailed in the same envelope via certified email. A number XXXX XXXX XXXX was provided for my custodial parent XXXX XXXX XXXX XXXX to call if there was any further question. On XX/XX/2020 XXXX contacted the number and was advised there would be a delay due to COVID 19 AND SHORTAGE OF STAFF ( UNDERSTANDABLE ). After a 15 minute wait he spoke to XXXX of customer relations who transferred him to another number which he was on hold in access of an hour before he hung up.

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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I have tried several times over the last four to six weeks to link my PNC account to XXXX   through the XXXX service. XXXX  claims that PNC has made changes to their service and thus can no longer be linked to. This has happened with both XXXX and XXXX XXXX both use the XXXX  service to link bank accounts XXXX. I have spoken with PNC and they have sent me to XXXX, claiming it was an issue with their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: CO

Complaint narrative:
In the face of a global pandemic my auto finance company is the only company trying to charge daily late fees. My job is new and Im playing catch up with everything. The payment they are adding fees to is in the mail and they should have it soon.

Company response to consumer: Closed with explanation