vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have had an account at PNC for about one year. It was opened right before COVID struck and as a result of shut-downs, and civil unrest the XXXX  business remained inactive. Now that we have entered into a more optimistic period the business has started moving forward. I funded my account began to buy supplies and stock for my company. But in almost every transaction my debit card is declined. It is so bad that I have had to use my personal account for the majority of transactions. 
As I assume with most accounts when they are open PNC gave me a starter check to use. I have had no occasion to use a check in the digital age. On XX/XX/2021 I signed my lease for my first storefront using my life savings. The check was for {$8400.00} dollar and my balance was {$20000.00}. Though I used the check the bank gave me to use they refused to honor the check. They refuse to give me a reason why other than saying security reasons. This has cost me my lease and most of my life saving that I have already invested in fixtures, permits, insurance, and signage for the storefront. 
I just want a business account that can be used by a XXXX business owner without being under some false flag of suspicious activity. It is just plain XXXX to deny me access to my own deposit using bank-issued instruments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
My mortgage company, Citizens Bank, has removed all options to speak to a person through their customer service phone line. There is no opportunity even to hold to speak to someone, you are only able to schedule a 2 hour window on a day in the future for them to call back. Recently, I needed to speak to them about their misapplication of a principal payment, and when I received a call back two days later, the connection was sporadic on their side and eventually I was cut off before finishing the conversation and no one called me back to finish the call. So, now the only way I can finish the discussion is to get back on the schedule for another 2 hour window when I have to sit by the phone to make sure I dont miss it. I work a full time job and cant be certain Ill be available for the entire 120 minutes of this ridiculous process. I should be able to call and speak to a person regarding my mortgage on my own schedule, not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My husband and I refinanced our home in XXXX through a company called XXXX XXXX XXXX. It was bought out by another company called Mr. Cooper in XXXX. We made an extra payment of {$1300.00} that was supposed to be transferred over to Mr. Cooper ; however, they stated that they did not receive it. After calling them and disputing the situation, they found the money, and on XX/XX/2021, they sent an email that they have the money, and it was forwarded to Account services to apply the funds. We received a statement on XX/XX/2021 that said that our payment was due on XX/XX/2021, which was the correct date that it was due since the extra mortgage payment was applied. We were content and thought everything was taken care of. In XXXX, we check our online account, and suddenly our payment changed to XX/XX/2021. My husband called in the evening, and Mr. Cooper 's representative told him that the money was put in the wrong account number. I called again in the morning that same day, and they said it was still in the account services department being processed, which has been there since XX/XX/2021, according to the last email. According to XXXX from escalation, it will take XXXX business days. If that's the truth, it should have already been taken care of in XXXX. This company has many complaints on the XXXX, and I have made another complaint to the Attorney General. We are tired of dealing with this companies ' disorganization and would like the agency to reach out to them and monitor their business practices, so other consumers do not have the same fate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: OH

Complaint narrative:
On XX/XX/XXXX I sent Experian a letter regarding inaccurate and unknown things on my report. On XX/XX/XXXX I received a letter from experian saying that this item was " updated ''. This account does not belong to me and its impossible for it to belong to me. I live in an apartment building where my utilities are included monthly. I haven't had an account for this utility in years and I have lived in this apartment since XX/XX/XXXX. I know that a full and complete investigation takes 30 days. Being that I received a response within a week tells me that the investigation was not conducted. I feel like I am being taken advantage of and that my disputes are not being taken seriously. Again, this account is not mine. Please remove this account from my credit report or I will seek litigation for the damage being caused by this account and the stress that it is causing.

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 2021-02-04 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: Receivables Performance Management, LLC
State: NC

Complaint narrative:
XXXX Account : {$110.00} Reported to collection agency Receivables Performance Removed from Receivables Performance in XXXX. 
Account was paid on XX/XX/2021 directly to creditor XXXX. 
2nd Collection Agency XXXX XXXX XXXX XXXX was added to credit report on 2/3 after account was paid. 

Credit reports now reflect 2 different agencies attempting to collect the same debt from XXXX after it has been paid. 

Reached out to XXXX to have collection agencies removed immediately and waS told I had to wait until they updated meaning my credit will have 2 negative/derogatory accounts for the same creditor.

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 2021-02-04 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Good Afternoon, I started the loan in XXXX on a XXXX XXXX with Citi Financial Auto. In XXXX Citi Financial Auto went bankrupt and I am now trying to get rid of the vehicle. I have tried for over 6 months to get the lien taken off the title but with Citi Financial no longer in business I am unable to do so. and I can't get the title without the lein being taken off in the State of Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I filed a complaint with you regarding this Portfolio Recovery Associates. My complaint number was This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The response from this company is false. Which play right into the discestives practices that ensues them. This is NOT A FINANCIAL INSTITUTIONS. THEY ARE A JUNK BUYER. They have refuse to produces and sign documents that I came into any business dealing with them. Once again because of there hiding behind laws and privacy act that does not action pertinent to them the have continue to damage me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I was charged {$220.00} and {$180.00} by a company called XXXX transaction # XXXX and XXXX I called and was able to dispute the charges when I never received product. On XX/XX/XXXX I received a credit for the {$180.00} and XX/XX/XXXX a credit for the {$220.00}. Then on XX/XX/XXXX the {$220.00} was rebilled to my card. I received no explanation. I called and was told they would reopen dispute so I paid my balance in full except for that amount. The next statement I received still showed that amount in the balance plus {$10.00} charged on XX/XX/XXXX interest because I did not pay the disputed amount. When I received this statement I called them again on XX/XX/XXXX after speaking with XXXX he transferred me to XXXX to XXXX to XXXX who got XXXX on the phone. XXXX was a customer service supervisor. Was told no way to speak with disputes dept. even they could only contact that dept by message. XXXX agreed to reopen dispute and credit the {$10.00} interest. He said pay {$370.00} to pay in full. After 2 hours and 12 min. I thought it was done. NOT. Received my statement today and {$14.00} interest was charged on XX/XX/XXXX. I called again today and after 45 minutes I was told by XXXX there was nothing she could do. I never received anything form this vendor and will not pay. This product is sold with a 100 % money back guarantee I could return empty bottles for a full refund if I had received it. Please help me resolve this issue.

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 2021-02-04 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: TX

Complaint narrative:
I have an inquiry that I did not give permission for

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 2021-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am the owner and landlord of XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX. I currently have tenants in the property. Due to Corona Virus, they are not paying the rent. I have been unable to afford to pay the private mortgage on the property. I was recently unemployed due to Corona Virus. I have found another job. I now have the ability to pay the mortgage, however BSI Mortgage Company is unwilling to provide a forbearance or bring my loan up to date. The tenants were impacted by Corona Virus and not paying the rent. I could not afford to pay the mortgage due to this hardship. The tenants tried unsuccessfully to get a mortgage. 

I would like to bring the loan current and continue to make payments. The Corona Virus epidemic is hitting the entire country hard. In this case, both the tenants and myself ( the owner ) have been greatly impacted by this epidemic. 

The mortgage company is BSI Mortgage Co. Their contact information is XXXX. BSI has been unwilling to fully understand the full gravity of the situation. They've been patient but have now put me in foreclosure. I do not want to lose this house. Please Help! I thank you for your efforts and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was alerted by a credit monitoring company I use that a derogatory account was added. I looked at the account and it was Trans World Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. I was not familiar with the account that stated that account went in delinquent on XX/XX/XXXX for {$480.00} and was assigned on XX/XX/XXXX. I had not received a letter from this company and didn't know who this was so I called them and they said it was for XXXX XXXX. I had not had XXXX XXXX for almost 7 years and was sure I paid the bill they said I did not so I asked them why was the date XXXX and they said it was the date it was sent to them I asked them why was I never contacted and it was just put on my credit ad delinquent with out giving me a chance to pay and they had no answer for that. After speaking to like 3 people over two days I just paid the amount. I was not happy with this so I decided to call back on XX/XX/XXXX to find out more about this because it just didn't understand how I had a account open in XXXX when I lived in a area that XXXX XXXX didn't serve. I called the company and the rep answered he went into a long spill about me winning a {$100.00} Visa or Mastercard and before he could help me I needed to pay {$2.00} shipping fee to get the card to me. I told him I didn't want the card I just wanted help with my debt to understand what address it was for he said he couldn't help me until I paid the {$2.00} fee I refused and he hung up on me. I called back 4 times and each time the same thing no one would talk to me unless I agreed to pay {$2.00} for this credit card. I ask for a manger and was put on hold when a manager answered they started out as if they was going to help and they went right into I must pay this fee first so they could give me information I was requesting about the debt and if not they I couldn't have it. I told her it was illegal and ask for her name and she hung up on me. I was not able to get any information about my account I tried calling XXXX XXXX they told me it was sent to TransWorld and I had to contact them for information. At this time I have paid this and I really don't think it's my account and they have also now reported it on my credit as in collection/charged off and I have disputed it and can not get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
The following is the information regarding the complaint : Name CAVALRY PORTFOLIO SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 COLLECTION AGENCY/ATTORNEY Balance {$20000.00} Original Amount {$21000.00} Original Creditor XXXX XXXX Banking XXXX Past Due {$20000.00} The bad debt was reported on my credit report by XXXX. This had a negative effect on my credit rating. I have been attempting to rebuild and restore my credit ; however when Calvary XXXX purchased the debt from XXXX, they proceeded to report the debt a second time, as if the debt that they bought from XXXX was a new debt. This is double-reporting of the same debt. 
I attempted to pay a negotiated amount with Calvary ( {$11000.00} XXXX on a monthly basis ; however they never altered the negotiated amount -showing the debt was {$20000.00}. They should not have the right to rereport a bad debt. THey also violated their payment agreement by not showing the negotiated amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On my reports there is a closed account with huge amount of missed payments. BANK OF AMERICA XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account 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 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX & Transunion. The three national bureaus are reporting incorrect information regarding a Chapter XXXX bankruptcy I filed in the year 2015. I have filed several disputes in the previous months to which I have not received responses. All three companies have not provided me any investigation results, they have only wasted my time and efforts in preparing disputes. I am on the verge of considering a big public lawsuit against the three national bureaus if my request is not honored. 

The closing date that TransUnion is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date TransUnion is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date that XXXX is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date XXXX is reporting is unavailable. XXXX has failed to publish the correct information. 

The Bankruptcy filing date XXXX is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015

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 2021-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My 2017 XXXX XXXX  was financed thru capital one. I could no longer afford the payments. I called capital one to get the payoff ( I recorded the call ) and it was {$12000.00}. I sold the car for the same amount. 3 days later I called to have the exact payoff instructions emailed to me and then payoff then was over {$16000.00} since I had the previous payoff recorded, and after months capital one agreed that is was there error, and accepted the {$12000.00} payoff. It took them weeks to post my payoff, even though at their recommendation they placed a conference call to my bank, and my bank verified that the payment had cleared. Since it took them so long to post the payment I started getting late payment phone calls. Rather than have their lack of timeliness in posting my payment I made another monthly payment {$470.00}, so as not to affect my credit, and I fully expected that since I made the full payoff, and then an additional payment, that of course the loan would be overpaid and capital one would send me back the {$470.00} extra that I paid ... they ( office of the president ) refuse to send it back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04 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: AMERISAVE MORTGAGE CORPORATION
State: NH

Complaint narrative:
Today, XX/XX/2021, I called AmeriSave mortgage corporation and spoke with XXXX XXXX Loan Originator NMLS ID # XXXX to inquire about the streamline refinance mortgage process, which is a non-credit check loan. 
Well XXXX was talking to me about my father and talking about his parents passing away He asked me for my social security number. I assumed it was just part of a form that he was completing so that he could give me some information. At this point he had not given me any information at all about their company or loan options. XXXX XXXX checked my credit without my consent. Shortly after I gave My social security number, I said " did you just check my credit '' " without my consent '' XXXX XXXX said " yes ''. He kept apologizing for not asking for my permission to check my credit. I did not consent for him to check my credit and now this is going to impact my credit score. This is terrible and I'm not sure what to do now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI has called me 18 times since XX/XX/XXXX. 5 of those 18 times were before XXXX on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. 
I have not received any letters that explain what this debt is or who it belongs to. They have never left a voicemail to identify themselves or what the nature of their call is. I believe this debt belongs to whoever had my phone number before me. 
My credit report shows no debt and I do not have any other debt.

Company response to consumer: Closed with explanation