vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am attempting to use the XXXX app however PNC has apparently blocked me from being able to link my bank account to that app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I just received notice that Citi Costco card decreased my credit limit, reason being that my other balances on cards are to high and also indicated I had a late in 12 months. This is not accurate, I have not a a late with any cards in the last 12 months, I always pay my bills and have been working on paying down my credit cards. I am not a liability as I always have made payments to my accounts and even larger lumps sums at times. Times have been harder and therefore credit cards have been used, but I should not be penalized for that as I continue to always make payments. I request my credit limit be increased back to the original limit amount. Decreasing my credit limit is only going to hurt me further and this is contradicting as Citibank/Costco is decreasing my available credit to my balance which will again make my debit ratio percentage high. Please reconsider reversing this decision as I have been a loyal Citibank customer and this is not right.

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 2020-06-30 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: IL

Complaint narrative:
There should be no late payments in XXXX. Tried to talk to the Department of Education but they are not taking any phone calls.

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 2020-06-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There should be no late payments in 2018. Tried to talk to the Department of Education but they are not taking any phone calls.

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 2020-06-30 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: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX US BANK CONSOLIDATED accessed my credit file with XXXX  without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by US BANK, OR ANY OTHER COMPANY including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.

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 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Good Afternoon and please help me~!!! 

I'm not quite sure who i need to reach out in regards to this, but back in XX/XX/XXXX-XX/XX/2018 i resolved this issue here with XXXX XXXX  and disputed it directly with them and the company that held this debt. It was determined that the account was not mine and it was deleted from all the 3 major credit bureaus. Today i pulled my credit and not only i found the only negative thing on my credit, but totally different collection name, different account number and different open date. This is wrong. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2020-06-30 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: TX

Complaint narrative:
I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS, COLLECTIONS, AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY DIDN'T DO IT THE ONE ACCOUNT THAT THEY DID TAKE OFF THEY PUT BACK ON SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT

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 2020-06-30 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: TX

Complaint narrative:
I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS, COLLECTIONS, AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY DIDN'T DO IT THE ONE ACCOUNT THAT THEY DID TAKE OFF THEY PUT BACK ON SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank Citibank closed my checking account and hold money for 30 to 60 days. I dont even know if i would get my money back or not. In the middle of covid 19 and we are scraping by. Horrible bank. Horrible customer service. People are rude. Local bank are rude. I really need help.

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 2020-06-30 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:
On XX/XX/XXXX XXXX XXXX  XXXX accessed my credit file with EXPERIAN without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by XXXX XXXX, OR ANY OTHER COMPANY including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445  (  C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and Experian did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.

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 2020-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The company ( Portfolio Recovery Associates ) has called repeatedly. The number being called is a cell phone. I've informed them of this on each call and that the do not have permission to call it. Despite this, they keep calling the same number. 

They have also released DOB to me without verification of identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: HOME BANCSHARES, INC.
State: FL

Complaint narrative:
On XX/XX/2020, my wife and I purchased an electronic dog toy using our debit Mastercard from Centennial bank. The purchase was for {$77.00}. The merchant name is XXXX ( aka XXXX ). After receiving the toy, it was not the product we purchased. The merchant was using descriptions and photos of another product. We contacted the merchant and they offered a credit of 10 %, but would not go any further in refunding the amount back to us. I called my bank and opened up a dispute on XX/XX/2020. I provided the bank all of the details of the transactions to clearly show that the merchant sent a different product, and they were not honoring their refund policy either. On XX/XX/2020, I received a letter from Centennial bank denying the dispute claiming " no error was made ''. Upon calling a bank representative at my local branch in XXXX, FL, they claimed that they could not follow through with the dispute because it was an " authorized purchase ''. I was under the impression that I had the right as a cardholder to dispute a transaction, and this right was being denied. At this point, it's the only way I can find a resolution. The bank did not follow through with investigating the dispute, or provide documentation to back up its findings. I wasn't able to challenge it either. I feel my rights within the FCBA were not processed fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
Evergreen Professional : XXXX I have paid this debt & it is still reporting and updating on my credit file with a balance. This needs to be removed from my credit file immediately. I no longer owe this debt.

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 2020-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 an account from ic system inc showed up on my credit report as a new account just opened and is reported monthly as past due on my credit they are declared as a collection for XXXX  however I have never had XXXX  i did not open an account with anyone in XX/XX/2020 and I have disputed this on my credit and requested proof of this account and am never provided proof of this account a itemization of charges and proof of ownership besides the fact that it is reporting monthly as a new account this is effecting my credit and my ability to purchase a home for my family

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 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Attempted to transfer emergency funds to my child via XXXX and I was told PNC no longer allows these transfers. It's my money and I'll be leaving PNC. I've had enough of their nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Took out 4 separate Citibank Student Loans while in college in XXXX. 
I then entered XXXX XXXX XXXX in XX/XX/XXXX ( ironically due to being laid off by Citibank ). 
While stationed overseas as of XXXX, XXXX, the accounts were transferred to XXXX, XXXX for servicing in XXXX XXXX. During this time, I was also XXXX enrolled in XXXX  classes during the Fall XXXX and Spring XXXX, as well as Fall XXXX. 
I returned to the US in XXXX XXXX and in the Spring XXXX, I came out of student deferment, yet it was unclear to me that Citibank had changed their internal SCRA policy to a maximum of 36 months for military service. This was an extended point of contention between myself and XXXX. 
Later, I XXXX on orders in XX/XX/XXXX, of which I informed Ms. XXXX XXXX of XXXX via email on XXXX XX/XX/XXXX. We had to go back and forth several times as their system would not accept my payment due to programming issues. I submitted it on the XXXX, but by the time the payment actually posted, my account went to collections on XXXX XXXX to XXXX XXXX XXXX XXXX. 
Aside from that, I contend that I invoked my SCRA benefits prior to the account going into collection. I also argue against the charge-off credit reporting by XXXX for these accounts. 
Upon my return in XX/XX/XXXX, I was placed on orders again to Indiana in XX/XX/XXXX. Between my return and now, I contacted both XXXX and XXXX XXXX numerous times on how I can remediate this account given my XXXX  status. Associates stated they would have to get back to me, but no response was provided. 
Then, for some unknown reason, on XXXX XX/XX/XXXX, Citibank recalled my accounts from XXXX XXXX. I called the Citi Assist Help desk on XXXX XX/XX/XXXX, asking why Citi had recalled the account, to which the associated stated XXXX status. If the accounts originated with Citibank, and they are now with Citibank, how are they charged off? I suspect this has to do with my numerous inquiries and XXXX status. 
Associates at both XXXX and XXXX XXXX have been very helpful, yet it is the office at Citibank that is not forthcoming with details. They simply state I owe the entire balance and that the charge off is valid. If it was valid, why did they reclaim it from XXXX XXXX. The already received the tax write off for these monies, but still want to collect on it. Shady. As an ex-Citi internal auditor, I can say this is nothing new. 
While not explicit in the XXXX verbiage, the intent is to provide a degree of protection for single military service members such as myself, who struggle with the constant XXXX and changes in duty stations. My mailing address has changed 10 times in 10 years. So when Citi makes changes to it's policies ( say, due to a XX/XX/XXXX CFPB ruling of Citi bank lending malpractice ), I receive zero notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
Evergreen Professional Recoveries : XXXX I have paid this debt quite some time ago and no longer owe this debt. It wasnt until I pulled a new credit report until I found out that they are still reporting this collection and as having a balance owed on it.

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 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I received a call from Quicken Loans about refinancing my loan. I mentioned to Quicken that I had not inquired about refinancing but planned to refinance at a latter date ( 60-90 days later ). After explaining that I did not require refinancing at this time, Quicken loans followed up with a letter to me dated XX/XX/2020 explaining why they are unable to offer me financing at this time and referred to a reason why : * Collateral : Does not meet seasoning requirements. 

Quicken loans failed to mention that I never sought a refinancing and I should not have on record that they were unable to refinance my loan since I never sought any refinancing. 

When I asked them to restate this letter since it is a false representation of our conversation, they refused stating they are required to do so in order to be in compliance. 

Thus, when I am asked if I have ever been denied financing, I will be required to say that I have been denied - even though i NEVER sought financing. 

I seek your help in remedying this falsehood, the over interpretation of the compliance regulations and to stop these actions by the lenders from promulgating false requests for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: NC

Complaint narrative:
I have sent a dispute along with a copy of my credit report and ID Theft Report to the credit reporting agency. They are in violation of 605B of the FCRA as they have not blocked the items from my report that are not mine in a timely manner.

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 2020-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a letter for unclaimed property from Bank of America dated XX/XX/2020 detailing unclaimed property that was owed to my wife and myself. After receiving the letter I called Bank of America on XX/XX/2020 and through the phone submitted my claim information and was told that we would receive a check for the funds within 6-8 weeks. 

After not receiving anything I called again on XX/XX/2020. They did not know why the funds were not sent but resubmitted my claim and detailed that the request would be expedited but at the very latest the funds would be sent to us within 6-8 weeks. 

Again, after not receiving anything, I called Bank of America on XX/XX/2020. The agent claimed that he did not know what happened with my claim but that the funds were sent to the state of Texas on XX/XX/2020. 

On XX/XX/2020 I checked the Texas state unclaimed property site and there is no information on the unclaimed property.

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