vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Hello, I was a Compass/BBVA account holder for over 20 years and have been mired in the PNC transition for almost a month now. Since XXXX I have been denied access to my personal account, money market account, and primary business account. I have only had access to a single business account that I very infrequently use. 

On XXXX I was told the IT department was having some issues transitioning all of the accounts and it should be resolved before the end of the week. 

On XXXX I visited a local branch and was told the same story- they were overwhelmed with issues and working to resolve it. I went to make a cash withdrawal, my driver 's license had expired 30 days prior and I have an appointment with the DPS for it's renewal. In spite of my BBVA debit card and new PNC debit card in my possession and presented to the teller, due to my expired driver 's license the tellers would not allow me to make a cash withdrawal without a 2nd form of ID. 

On XXXX I spoke to my local bank manager again about my lack of account access, but this time I was told they needed to submit a " link request '' to the IT department on my behalf in order to link my missing accounts. I was told this process would take 5-7 business days. 

As of XXXX nothing has changed and I have received zero communication from PNC about the issue and/or their attempts to resolve it. Multiple requests for support that I submitted via the app and through the on-line portal have never been responded to. 

I would close my accounts, but having never expected this issue I have not downloaded my financial data and transactions for 2021 taxes. I fear if I close these accounts before receiving full access from PNC I will never be able to access this information again in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/2021 I was charged XXXX on card ending in XXXX ( this did not end up in my XXXX XXXX XXXX accounts ) XX/XX/2021 I was charged XXXX on card ending in XXXX also placed in another account see info below XX/XX/2021 I was charged XXXX XX/XX/2021 I put in a billing dispute thinking the charges were just overcharges and there was a balance adjustment made by BOA for XXXX XX/XX/2021 I realized my error that I was paying full amount for XXXX XXXX XXXX services on another credit card BOA ending XXXX I asked fraud claims to investigate charges. 
I contacted XXXX and Bank of America and although XXXX could see the error they said that I need to go through BOA fraud. 
XX/XX/2021 XXXX denied a billing error for XXXX charge I went to BOA actual branch to fax information to claim services who requested more information ( Bank of America case number XXXX ) 18 pages faxed to Bank of America including unknown XXXX XXXX XXXX account number the charges $ was going into XXXX XXXX XXXX XXXX account XXXX ) XX/XX/2021 I was again charged XXXX miscellaneous account not in my name XX/XX/2021 Bank of America issued another credit card and cancelled card ending in XXXX XX/XX/XXXX my appeal was denied I spoke with a customer service agent more recentlys supervisor and he was able to escalate the claims appeal after it was appealed again. 
Multiple appeals and denials and reopening case appeals through Bank Of America fraud claims XX/XX/2021 I called Bank of America to find out that the case was closed and they were unable to accept the claim and recommended I put out a compliant through credit bureaus

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 2021-11-05 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: PA

Complaint narrative:
This is a new complaint I am filing regarding Equifax credit bureau for verifying inaccurate information appearing on my credit report. 
The dispute pertains to a120day late payment being reported by XXXX XXXX # XXXX in disregard of Metro 2 reporting guidelines which furnishers of consumer credit information must use. 

Metro2 provides no codes that would enable collection agencies/debt buyers such as XXXX XXXX to report late payments. 

Additionally, I have never had an account with XXXX XXXX that would enable this company to report late payments on my credit report. 
Therefore, I disputed this information under FCRA 611 and Equifax wrongfully verified it.I believe it could have been facilitated by an automated response system.

However, I am keeping careful records in case I have to pursue legal remedies. 
I want this erroneous, inacurate information DELETED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: MI

Complaint narrative:
I received your correspondence on this alleged accounts saying its validated or updated Obvious NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on EACH credit bureau. Nor did you supply the documentation I originally requested! Written no computer generated bs. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Follow Up XX/XX/XXXX XXXX EST Contacted Chase at XXXX. No option to speak with someone about my account. The wait time was over 2 hours, so I requested someone call me back. Still no response. 
The number provided is the same number I have called in the past, and been transferred multiple places with no assistance. Given I have not been able to resolve this issue over the phone either in the past or this morning, I would prefer someone from Chase contact me at the phone number listed on my account to resolve this issue. 

Reference : Complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
My husband and I keep getting calls from number XXXX. They keep asking both of us for personal information such as phone numbers, mailing address, birth date, and SS #. We do not give them this information but ask them what the call is regarding, They get rude and say they can not tell us that information until we give them the personal information. 
We both have pulled our credit reports and there is nothing on the reports to indicate a past debt is due for anything. 
I XXXX  the number and it looks like it is a scam number acting as a debt collector for debts that do not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Velocity Investment is try misrepresent themselves has as XXXX XXXX in a law suit against me. I have found that the are not associated with XXXX XXXX. The are saying I owe {$20000.00} dollars from a depth they purchased. I never owed them XXXX XXXX {$20000.00} either, due me surrendering the car 6 years ago. Velocity couldnt even provide information on what this debt was for except it was from 2015. The statue of limitations in Texas is 4 years, the claims are over that. The have never velocity investments has never communicated with until send a notice for a law suit.

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 2021-11-05 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: MS

Complaint narrative:
I have disputed all credit cards and a XXXX XXXX XXXX charge-off with all 3 credit bureau and nothing changes. I worked hard to pay the credit cards balance down to a bare minimum to XXXX  balance on most cards as of a month ago. The XXXX XXXX XXXX account was settled and settlement amount has been remitted to XXXX XXXX who is XXXX 's Collection Agency. I have called XXXX to get a paid in full letter, but can't get an agent just voice mails and no return calls. 
I am tired of this vicious circle of nothingness. Please assist me in getting these items clear. My credit will never improve if the bureaus are not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: LA

Complaint narrative:
I keep disputing account that are not mine. I have called and mailed several dispute letters about these fraudulent accounts. They are all crooks experian and these so called debt collectors. They are keeping negative information on my report after Ive told them they are not mine. I called the fraud department to report identity theft and was told my account would be deleted. Per 15 usc 1681c-2 these accounts are suppose to be removed no later than 4 days. These negative remarks are affecting my living conditions and financial situation.

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 2021-11-05 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: MI

Complaint narrative:
I received your correspondence on this alleged accounts saying its validated or updated Obvious NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on EACH credit bureau. Nor did you supply the documentation I originally requested! Written no computer generated bs. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received your correspondence on this alleged account stating your ( verified or updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

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 2021-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was doing business through PayPal and a client was paying for service through PayPal and when I tried to withdraw funds they wouldnt let me so I contacted via phone to let them know that they kept saying its a error to withdraw my funds so the lady instructed me to follow her instructions and I tried 3 times and it locked me out so she then told me to say 48 hours to try again so I called back and another PayPal representative told me to do the same thing the First Lady did that caused me to have to wait 48 hours to try again and I told her that I tried that with another representative already and it locked me out from doing anything for 48 hours so she said just follow her instructions so I did and it did the same exact thing and she hung up immediately so it cause a flag to go over my account and then they came to terms they would hold my funds for 180 days for chargeback feeds. I emailed the executive of escalations and he would not be understanding of my situation to get my funds back with it being there phone representative fault they flagged my account so its been forever and they still not giving my funds back. I have photos and emails from the conversation Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Climb Credit Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX I enrolled in XXXX education services. I attempted to cancel several times. Received confirmation of cancelled class in XX/XX/XXXX. They did not offer the type of service advertised and my advisor was in XXXX which made it difficult to communicate. XXXX  contacted me on XX/XX/XXXX to sell the loan for 1 month of service to Climb. ( Only did classes up to unit XXXX ) I responded to them on XX/XX/XXXX highlighting that I did NOT consent to financing one month of service with Climb I called Climb on Friday XX/XX/XXXX. To get more information on the loan. They refused to confirm loan amount, they refused to provide any assurance that they would resolve this issue. I highlighted several times I did not consent to financing this amount. I am making this CFPB complaint because I don't have any idea what terms XXXX  signed me up for it what fraudulent information they provided. I consented to financing the whole class at enrollment but once cancelled I had to pay for the time I was there due to XXXX  finance agreement with Climb. 

Climb took on this loan knowing it was likely fraudulent since it's outside of their standard financing agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-05 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: MS

Complaint narrative:
I have disputed all credit cards and a XXXX XXXX XXXX charge-off with all 3 credit bureau and nothing changes. I worked hard to pay the credit cards balance down to a bare minimum to XXXX  balance on most cards as of a month ago. The XXXX XXXX XXXX account was settled and settlement amount has been remitted to XXXX XXXX, who is XXXX 's Collection Agency. I have called XXXX to get a paid in full letter, but can't get an agent just voice mails and no return calls. 
I am tired of this vicious circle of nothingness. Please assist me in getting these items clear. My credit will never improve if the bureaus are not reporting correctly.

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 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have disputed all credit cards and a XXXX XXXX XXXX charge-off with all 3 credit bureau and nothing changes. I worked hard to pay the credit cards balance down to a bare minimum to XXXX  balance on most cards as of a month ago. The XXXX XXXX XXXX account was settled and settlement amount has been remitted to XXXX XXXX, who is XXXX 's Collection Agency. I have called XXXX to get a paid in full letter, but can't get an agent just voice mails and no return calls. 
I am tired of this vicious circle of nothingness. Please assist me in getting these items clear. My credit will never improve if the bureaus are not reporting correctly.

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 2021-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
Contacted Rocket Mortgage on XXXX as they advertised additional options for loans besides a refinance of mortgage. After discussing the need to explore options for securing a $ XXXX home improvement loan, the advisor proceeded to tell me they could get that out of the home 's equity and that it would be added to my monthly mortgage payment at same interest rate I had. Subsequently came to find out that they went forward trying to process a refinance and pulled my credit yet again ( I had already explored this option through their online portal ). Then came to find out that they didn't even offer home equity loans or HELOC 's ( the latter I was aware of ). The company continues to aggressively pursue refinancing on a home I haven't been in for a year with a rate that is worse than what I have now. I have been contacted by 3 different representatives on XXXX - each failed to listen to my goal of securing a loan and simply informing me that Rocket didn't have a product offering to suit my needs. Each tried to provide " options '' through a refinance that could work but ultimately left me with less than half of what I was looking to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 31 days later, I have not received any response. Under federal law, you have 30 days to complete my investigation. Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.

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 2021-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: ME

Complaint narrative:
I have multiple payments on my account that are determined to be ineligible toward PSLF due to the reported reason of 'You Do Not Have a Bill Due For this Payment Period. ' However, PSLF does not state that a bill needs to be due, but instead that 120 payments are required to be made toward the loan.

I have 2 federal loans - a direct unsub loan & a direct sub loan. I get one bill each month that includes both loans. One of the 'ineligible " payments is dated XX/XX/XXXX with the above reason - 'You Do Not Have a Bill Due For this Payment Period. ' However, the payment counted toward my direct sub loan but did not count toward my direct unsub loan, despite both having on

ly 1 bill that includes both loans. Two of my ineligible payments from XX/XX/XXXX continue to state 'Pending Manual Review ' despite it being 8yrs later. 

Attached is the information for my ineligible payments as well as documentation demonstrating payments, despite reports of not having bills due for the period. My loans have traded hands multiple times and so I do not have my full history of payments ; however the ineligible payment in and of itself demonstrates that a payment was made. 

Thank you for any help in this matter.

Company response to consumer: Closed with non-monetary relief