vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In XX/XX/2022, I went to PNC Bank, located at XXXX XXXX XXXX XXXXXXXX XXXX  and asked for the current interest rate for a lease buyout. After the banker, XXXX asked me a few questions about the vehicle and terms, I was given a range with a base interest rate of 5.44 %. I also asked how the debt-to-income would be calculated and specifically asked if the outstanding balance on my credit card that I pay off in full each month would be a factor. I was told as long as I pay off the balance each month in full, it would not affect the debt-to-income calculation. After being satisfied with the base interest rate and debt-to-income calculation explanation, I allowed the banker to run my credit. After a couple days, the banker called and told me I was approved for a rate of 6.24 %. I then inquired why it was not at or close to the rate of 5.44 %. I was told it was due to my risk factor. I was told in order to qualify for 5.44 %, I would have to be at a risk factor of XXXX and I came in at a risk factor of 1. I then asked how much does the interest rate increase as the risk factor increases. I was told that the interest rate increases by .5 % for a risk factor of 1. This prompted me to ask why wasn't the offered interest rate at 5.94 % ( XXXX ). I was then told that the base rate was 5.69 % and not 5.44 %. I then stated, well if that's the case, then why was the rate not 6.19 % ( XXXX ). The banker then stated that underwriting determined the rates and he would put in a complaint requesting that the rate of 5.94 % be honored because he gave me incorrect information regarding the interest rate and how the debt-to-income ratio was calculated. After the banker put in a total of three complaints within various departments within the financial system and 1.5 months later, all complaints were denied. Ultimately, I was told that they will talk to the banker to make sure he doesnt provide customers with inaccurate information moving forward. Had I been given an accurate interest rate initially, I wouldnt have allowed PNC to run my credit which ultimately decreased my credit score. I would have allowed the financial institution with the lowest base interest rate to run my credit. I would also have paid off my credit cards and waited multiple months with a balance of zero prior to allowing them to run my credit to better my debt-to-income ratio, if I had been given accurate information as to how the debt-to-income ratio was calculated. Due to the inaccuracy of these critical pieces of information, PNC has caused me to be put in a position of paying more over the life of a loan resulting in additional undue debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I noticed inaccurate and unverifiable information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: SC

Complaint narrative:
The transaction, in the amount of {$500.00} occurred on Friday XX/XX/2022. I was not told by the Lendumo Representative, XXXX that the payments in the amount of {$160.00} would be drafted from my checking account biweekly. Twice each month. I have used the {$500.00} I borrowed to make 1 payment already in the amount of {$200.00} drafted from my account today XX/XX/2022. The next payment is due XX/XX/2022. I'm saving that amount to make this payment and 3 payments are outstanding. How could this process be a help to the working class? I pray noone else gets caught in this criminal scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an attempt- through US mail to collect a debt from a debt collector Online Information Services XXXX If I wanted to dispute the debt there was a piece not he bottom I could detach and return. I did so. The XX/XX/XXXX I received 2 separate pieces of mail both from Online Services. The one had the said invoice from XXXX XXXX XXXX it had my name with a Texas address. I live in NJ and never have lived in Texas. The other piece of mail was a fraud packet in which wanted me to complete as well as include copies of my photo ID and social security card. This was concerning, so I contacted XXXX XXXX. 
I first spoke with customer service representative XXXX, who confirmed the account and told me I had to be transferred to a Tier 2 representative to further assist me with the issue. I then spoke to XXXX. He told me I would need to complete a police report and go to XXXX- which because of the nature of the fraud- directed me to you- the consumer Financial Protection Bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had at least seven late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX CT XXXX XXXX ACCT # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had at least seven late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX CT XXXX XXXX ACCT # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
FCRA Violation credit card not mine TD BANK XXXXTARGET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TD BANK XXXX XXXX XXXX XXXX FCRA Violation credit card payments not late XXXX XXXX FCRA Violation other loans not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX A FCRA Violation installment not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation personal information not mine XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Ad XXXX XXXX has violated my rights according to 15 U.S.C 1692g- Validation of debts section ( a ) Notice of debt Contents, also 15 U.S.C 1692g- Validation of debt section ( B ) Disputed debts. I am disputing XXXX accounts. Account number XXXX. I sent my dispute letter XXXX XXXX certified mail tracking number XXXX it was delivered XX/XX/2022. I did not receive any return mail within XXXX business days after received my dispute to acknowledge that their company has received my dispute and or working to investigate it. Nor did I receive any documentation as to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: MOHELA
State: FL

Complaint narrative:
On XX/XX/2022, I successfully submitted my application for XXXX XXXX XXXX XXXX and was instructed the application would be processed within 90 days. I have been employed with the XXXX XXXX for over 15 years and meet all the qualifications. To date, I have received no response regarding my pending application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MI

Complaint narrative:
My account was closed XXXX XXXX & when I try to access it in the app it says they are having trouble verifying my identity so Ive had no access to it since then! I had a direct deposit of my Michigan state taxes into that account on XXXX XXXX in the amount of {$1500.00} they decided to keep it & say it was due to my account being closed & me owing them {$2100.00} this is the first Ive heard of this & they are unauthorized charges I did not authorize at all! They told me that my deposit would be reflected & sent back to the insurer & it was not it was deposited into a closed account & they refuse to send it back or give me my money. I have no access to this account at all to see anything & I looked it up there is fraud protection here & it is not being honored they refuse to show me the policy stating they can do this or any info stating where my money is they are foreign as well & are hard to understand

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My bank account in not reflecting accurate information when it comes to the balance. I'm getting negative balances when the day before my account reflects a positive balance. On XX/XX/2022 my balance was {$37.00}. I deposited {$60.00} dollars XX/XX/2022 that evening which took my balance to {$100.00}. I made an transaction that night for {$70.00} which left Which left the balance at XXXX. I made an transaction on XX/XX/2022 for {$9.00} which left the account {$27.00}. I checked my account on XX/XX/2022 it was $ XXXX. I'm noticing that transactions are being posted and then removed and being posted at a later time. Which puts my account into a negative balance. This is my second complaint to the Financial Institution. I was not having this issue prior to now. I moved to this state in XXXX. I noticed in different cities in this state fraud and identity theft is higher Once I moved to this current city I started experiencing these issues. The Financial Institution said that they will handle everything for me and put an fraud alert on my account.

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 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
My XXXX & I, we had Account # XXXX with XXXX XXXX, by the end of 2016, my husband XXXX. And we begin the process of Declaration of Heirs. When we had the Declaration document and all the heirs were present, we visited the Bank branch, but we could not complete the process, because the declaration was missing some XXXX stamps. At that moment we asked the XXXX to process the check, take the signatures of the heirs ( XXXX of them reside outside of XXXX XXXX XXXX, to retain the check, until we came with the stamps on the declaration, but they refused this request. and said account would remain inactive ( frozen ). But the claim is that if said account is inactive and nothing could be done until we could return with all the heirs present, because XXXX XXXX  continues to make monthly charges, profiting and decreasing my funds, which belong to me. At the beginning of this process, the balance was for {$1700.00} and currently owes it for {$1000.00} ( XXXX ). By XXXX, the claim was made to the Commissioner of Financial Institutions of PR, but they told us that they did not have jurisdiction. I understand that it is not fair, that if said account is frozen, it should be for both parties, and not XXXX XXXX, profiting from my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Good day Ally Bank and CFPB, Ever since XX/XX/ it appears I have been block by Ally Bank allowing me to access the website. I have tried even after today to access the webpage of my account. It appears to me that the people that work for ally from home could be doing something unfair. I called on XX/XX/ to get my password changed. I was transferred two times and referred four, including audimatted transferred calls. I was and am give the same password that does not seem to work for me. It is the temporary password that encompasses the first letter of my last name, the last 4 digits of my SSN and three exclamation marks. This is too easy for a bank to give as a temporary and verbally as password. Other banks send you link that has a filling for the new password. These Ally people either want you to get password verbally from sneaky working at home banking staff who know it as they tell you the temporary password or the send me atleast a link that needs a password to get to the password assist page. Someone's running a scam that has staff knowing what customers are using to acres their accounts. You should not have to have a bank person working from home tell you a private temporary password. Or maybe they give minorities the same passwrd and others a different one each time. The staff could access the page before you. Its a joke to minority 's and veterans. I need good two step private access to my Ally acount and password change without bank personnel knowing it before me.

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 2022-12-13 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: NY

Complaint narrative:
onXXXX i sent letters to XXXX XXXX and equifax disputing some fraudulent accounts and billing errors on my report, i asked them to verify these fraudulent accounts and billing errors on my report. 
Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX XXXX and equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX XXXX and equifax post on a credit report. Otherwise anyone paying for XXXX, XXXX and equifax reporting services could send in a fraudulent account. Also under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, XXXX and equifax any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, XXXX and equifax to report these account listed below on my consumer report. 
XXXX, XXXX and equifax did not send me proof with my signature or verify the accounts and billing errors listed below in 30 days. since they didnt XXXX XXXX  and equifax must delete The following accounts and incorrect billing errors on my report 1.XXXX XXXX Account Number : # # # # # # XXXX Also XXXX XXXX XXXX arent licensed as a collection agency in the state of XXXX XXXX so they have no right to report on my report or try to collect debt. Cease and desist. 

2.XXXX XXXX  Account Number XXXX XXXX I did not give permissible purpose to this creditor I never had was late on XXXX XXXX or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: NY

Complaint narrative:
onXXXX i sent letters to experian, XXXX and XXXX  disputing some fraudulent accounts and billing errors on my report, i asked them to verify these fraudulent accounts and billing errors on my report. 
Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that experian, XXXX and XXXX post on a credit report. Otherwise anyone paying for experian, XXXX and XXXX reporting services could send in a fraudulent account. Also under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave experian, XXXX and XXXX any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave experian, XXXX and XXXX XXXX report these account listed below on my consumer report. 
experian, XXXX and XXXX did not send me proof with my signature or verify the accounts and billing errors listed below in 30 days. since they didnt experian, XXXX  and XXXX  must delete The following accounts and incorrect billing errors on my report 1.XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also XXXX XXXX XXXX arent licensed as a collection agency in the state of new york so they have no right to report on my report or try to collect debt. Cease and desist. 

2.XXXX XXXXXXXX Account Number XXXX XXXX I did not give permissible purpose to this creditor I never had was late on XX/XX/XXXX or XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Venmo is a scam as soon as I did receive money to my account they did freeze my account although before my account was verified with SSN and personal details I was asked to submit my ID document which I did! 
on the XXXX of XXXX I did receive an email that my account is now verified again and unfrozen I then received another transfer from a friend who send money for my baby shower party and tried to withdraw the money all the sudden ACCOUNT FROZEN AGAIN NOW IT SHOWS ON MY ACCOUNT I DID VIOLATE USE POLICY! WHAT A NONSENSE! VENMO SUPPORT ARE XXXX AS SOON AS MONEY GOES INTO AN ACCOUNT THEY BLOCK IT! 
VENMO STOLE {$3000.00} USD FROM ME. LAW ENFORCEMENT MUST TAKE ACTION AGAINST THESE SCAMMERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Date : XXXX XXXX, 2022 Amount : XXXX EUR Action : I sent XXXX EUR to a XXXX  via PayPay by allowing my own USA-based credit card-issuer to convert from USD. The words " cash advance '' do not show up anywhere in the process of sending money to XXXX  accounts, so I was surprised the next day when my bank charged me a cash advance fee of 3 %. The only notice from PayPay before the transaction implies that there may be a fee for currency conversion ( " Your card issuer will determine the currency conversion rate and what fees they may charge. " ), but doesn't mention that the transaction will be run as a cash advance, so there's no expectation that there will be any additional fees other than currency conversion fees.

Company response to consumer: Closed with monetary relief