vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
The PNC acquisition/merger of BBVA/Compass Bank has been a total disaster. On XXXX all of my accounts were supposed to be switched over to PNC. They had months of notifications of this process. On the Monday ( XX/XX/XXXX ) following transfer 1 personal account was accessible and 1 business account was accessible. I called a customer service number on XX/XX/XXXX and was on hold for over an hour without anyone picking up. I went in to a branch and there was a huge line of people waiting to get their accounts sorted. After 20 minutes of waiting and no new customers being helped I left. I called again on XX/XX/XXXX and after 78 minutes of being on hold finally talked to someone who was acknowledged that not all accounts transferred and they were working on it. On XX/XX/XXXX I went back in to a branch where over the course of 45+ minutes a teller was able to pull up all of my accounts and at least provide me with account # 's even though I still could not access 4 other business accounts, a personal line of credit, a personal money market account, nor a joint account. They took all the information down and said it takes them 3 days to submit the linking of my accounts. The following week I was recovering from XXXX XXXX and watched my accounts. Nothing was linked. The following week I called again and they said they are processing a lot of accounts and it was " only business accounts '' that didn't link. I told them 3 of my personal accounts didn't link either and they had no answer. It is now 1 month from the date of transition and I still do not have access to 4 business accounts and 3 personal accounts and the sum of deposits in these accounts is substantial. To add insult to injury, the PNC representatives go release statements that it is only a very small few accounts that have been effected. I know 11 individuals directly that had BBVA accounts and none of their accounts transferred fully to PNC properly and most of them still do not have resolution. This is an absolute cluster and I can not believe it has been allowed to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
During my refinance with Rocket Mortgage, I received an offer to get an additional 1.5 % off closing cost, after I submitted this form, they raised my points from 0.05, to 1.5 % increasing my closing cost by several XXXX dollars, after I complained, they offered to pay closing cost, but then they raised my interest rate from 2.5 %, to 3.5 %, their appraiser also appraised my home for {$100000.00} less than another appraiser who did that appraisal only 3 weeks prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase XXXX XXXX XXXX I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right " credit, '' by CHASE XXXX XXXX XXXX XXXX I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by CHASE on XX/XX/2021 via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CHASE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. CHASE is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

LVNV FUNDING LLC account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: AES/PHEAA
State: IL

Complaint narrative:
FEDLOAN SERVICING at XXXX XXXX XXXX XXXX, PA XXXX has been reporting inaccurate data on my credit report and is causing a negative effect on my credit report. The opening date of this account is not accurate amongst all three reporting bureaus. XXXX shows an open date of XX/XX/2012 XXXX shows an open date of XX/XX/2012. 
It is unlawful to report inaccurate data on ones credit report and i would like for this account to be taken off of my credit report immediately and to never be reported on my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: TN

Complaint narrative:
I XXXX XXXX sent a letter to XXXX asking for Validation of the alleged debt they are accusing me of owing along with a completed audit trail and they have refused to provide me of the documents. However they are reporting this alleged debt to the consumer reporting agencies tarnishing my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I purchased some ceramic planters from XXXX on XX/XX/XXXX for a total of {$360.00}. On the website, It appeared as one charge in the total amount. The payment was processed in three transactions between XXXX and Citibank ( {$120.00}, {$120.00}, and {$110.00} ). The items were delivered. No problem. 

Then, after the items were delivered, I started seeing new charges to my card in the amounts of {$120.00} and {$110.00} from XXXX. They appear, my available balance is reduced accordingly, and then the disappear. Then, they reappear as new charges on new dates. 

XXXX says refuses to look into it because the amounts are not exactly the same ( one is the same, one is one penny more than a previous charge ). They say to call the bank and report them as fraudulent charges. In my first calls to Citibank ( late XXXX ), even though I could see the pending charges on the website and on my mobile app, the customer service agent couldnt find them so he couldnt do anything. ( He told me to call XXXX. ) I called Citibank again when the charges reappeared with the date XX/XX/XXXX. Now they can see them, but they say I have to wait for the merchant to claim the money, which will complete the transaction. Then, I can dispute it. They refuse to call XXXX together with me on the line to sort out the problem once and for all. Even though the charges are pending, it still reduces my available balance, depriving me of access to my full funds.

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 2021-11-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Tried 3 times already -- my Equifax NOW SHOWS LATE MORTGAGE for 60 days late XX/XX/XXXX for XXXX XXXX paid off in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
Opened Avant- credit card. Credit card is not used and balance keeps going up. My spouse has been paying thinking I use the card. Upon review of my credit cards I see the card is maxed out. Weve been paying toward a balance I do not have. Avant owes me money at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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:
Santander Consumer USA knowingly and willfully violated Federal Regulations as they charged off my account at not even 60 days past due after I volunatrily surrended the vehicle to them. At the time of surrender, the loan was only 18 days past due. They sold the vehicle approximately a month later and then, despite what the federal regulation stated, they went ahead and charged off installment loan at about 62 days deliquency ( see XXXX  credit report screen shot to reinforce )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: DMB Financial, LLC
State: AZ

Complaint narrative:
i went with dmb financial in XXXX of XXXX they still have yet to payoff one of the creditors after 42 months.i have asked several times how many payments i have left first they told me it would XXXX but could not give a month. now they are saying XXXX of XXXX.I have already paid them XXXX dollars and they have paid off XXXX.I feel I have paid these people more than enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: DE

Complaint narrative:
Im stressed and cant believe Over 90 days ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
Sim card was stolen from phone. Suspects applied for loans in my name through the months of XXXX to XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Recovery Systems, Ltd
State: LA

Complaint narrative:
I learned today through a massive drop of 100 points in my credit score that I was being put under collections. This debt was reported on XX/XX/XXXX by Nationwide Recovery Systems for the amount of {$1400.00}. I immediately XXXX the name of the company and contacted them, since I never received a written notification from them before. The first agent ( XXXX ) I spoke with was very rude and said they had attempted to contact me the first time XX/XX/XXXX. To what I replied, it was unfair because they had reported me before attempting to collect. He then switched to a very rude tone of voice saying the collections agency could report me at any point since this debt is three years old. He argued with me using a very sarcastic, condescending tone of voice, and when I asked for his supervisor he put me on hold for a long time, until I got tired of waiting and hung up the phone. 
I called in again and a second agent ( XXXX XXXX said the amount had been placed under dispute and when I asked again about why I was being reported as a debtor without a written attempt to collect, he also turned to being rude arguing that he had 8 years of experience working on collections and he knew very well how things worked. 
The services received by this collections agency were very poor and the agents were very condescending and rude. Also, how come this is lowering my score for 100 points all at once? 

About this debt, it was a medical service received for my daughter on XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX. The insurance company was not billed on time by the doctor 's office, when all my information was provided to them. The hospital and other doctors billed respectively for the same service date and I was never notified there was a pending charge over this. I learned about it later, when it was reported to a collections agency and when that agency notified me via mail ( XXXX ), I reached out to them and the insurance company ( XXXX XXXX ) and they sorted this matter out. They said it was on the doctor 's office side for not billing on time. The collections agency closed the case and the doctor 's office agreed it was a liability on their side. Now, the same account was given to the Nationwide Recovery Systems collections agency, from whom no written notification was received and they reported me as a debtor affecting my credit score greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Venmo charged me {$0.00} as a transaction fee for a peer-to-peer transaction ( my friend sending me {$20.00} for lunch ) accusing me of being a seller. I do not sell lunch, was my friend paying me back and should have been no fee. Chatted with venmo support but they would not resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 I sent a bankruptcy letters to the courts asking for verification. I wrote a letter to the court and got a response on XX/XX/2021 stating they do not report information to XXXX. However I sent a copy of the letter the letter to Equifax along with items to disputes on letter that attached on XX/XX/2021. No items was removed, no information from Equifax was received to me. It's been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CT

Complaint narrative:
The problem that Im having is that I tried refinancing my student loan back in XXXX and I did everything in my power to sign whatever paper work I had to. I was told not to make a payment and I would be fine, the worker at XXXX XXXX went ahead and made the mistake of not putting the paper work through. So now it looks like Im late on my payments because of XXXX XXXX mishap. Ive did what I could and have gotten absolutely nowhere I just want some kind of resolution at this point. 
Also when I looked at my account it said that everything was XXXX and I was told that it was written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX  XXXX Balance Owed : {$190.00} ARS XXXX Balance Owed : {$780.00} ARS XXXX Owed : {$780.00} ARS ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$780.00} XXXX XXXX Owed : {$600.00} XXXX XXXX Owed : {$1100.00} XXXX XXXX Owed : {$5200.00} XXXX XXXX COL XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This is in regards to Transunion, XXXX and XXXX Credit Bureau. I've submitted 4 disputes with these Bureaus about inaccurate data being allowed in my credit report even after disputing. I also included sections of the FCRA citing how they are required to report correct data and to delete inaccurate data. This data has been in my report for years and now Transunion, XXXX and XXXX need to comply with the FCRA. 
The accounts are : XXXX. XXXX XXXX XXXX Late payments with erroneous rating key. Stating 90 days late for XX/XX/2018 but Ok=current for the three months prior.

2. XXXX XXXX collections accounts ( 2 ) allowing reporting of a higher balance original than the creditor amount. Having a past due balance and at times a monthly past due as a collection. 
XXXX. XXXX XXXX disguising as a new creditor and reporting an open new account. 
XXXX XXXX XXXX XXXX XXXX XXXX & # XXXX as open accounts with a past due and monthly past due as a collection. 
XXXX. XXXX reporting a balance 100 % over the original credit limit ; has a past due balance and at times reporting monthly past due. 
XXXX XXXX XXXX XXXX XXXX disguising as a new creditor with an open account. Balance higher than original creditor amount ; past due balance and at times reporting a monthly past due as a collection. 
7. To delete all negative remarks- as its not a true reflection on their erroneous reporting.

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 2021-11-08 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
In XXXX of XX/XX/XXXX, I cosigned on a car lease with my estranged husband, with him as primary and myself as secondary. Later the following year we filed for the divorce and he defaulted on the BMW lease. As a result, I was forced to temporally pick up the payments and the lease was in good standing until the courts were able to intervene and force my ex-husband to agree to surrender the car and take on FULL financial responsibility for the arrears, including the late payments. After the courts assigned responsibility of the lease/debt, including the late payments, to my ex-husband I had notified BMW Finance and provided them the information hey had requested. 

Despite this and being able to substantiate legal responsibility as assigned by the courts, BMW Finance failed to rectify the issue and continued to report on my credit report, including the late payments that were assigned to my ex-husband during the divorce proceedings. BMW Finance also listed my ex-husband on my new vehicle as an authorized person, despite him not being listed on the sales agreement or credit application. The was a blatant violation of my privacy. It also exposed me and compromised the restraining order that I had in place against my ex-husband at the time. Of course, BMWs negligence in doing this provided my ex-husband temporary access to my account until we were able to correct the issue. BMW not only continues to incorrectly report late payments ( that my ex-husband was legally responsible for ) to my credit report, but have also added my ex-husband 's current address ( where I have never stepped foot in, let alone lived in ) to my credit report as one my previous residences. I am asking that in light of the aforementioned, that both late payments and incorrect address be immediately removed from all 3 credit reporting agencies. I also recently paid off another lease that was in good standing through the duration of the loan. BMW failed to report that the financial obligation was met and in good standing to the 3 reporting agencies. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX Experian sent XXXX XXXX XXXX a hard inquiry credit report on me that was not requested by me. It was a fraudster applying for a credit card in my name and address. They also submitted a Change of Address form to USPS and I called and disputed the COA with the Post office as well as submitted an on line dispute. I contacted XXXX and had them cancel the application, account and unlimited cash credit cards. Also, I put alerts on the 3 credit companies and locked and froze my credit reports.

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 2021-11-08 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 — Investigation took more than 30 days
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Tried 3 times already -- my XXXX NOW SHOWS LATE MORTGAGE for 60 days late XX/XX/XXXX for Freedom Mortgage paid off in XXXX of 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