vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: RI

Complaint narrative:
On XX/XX/XXXX, I went to the XXXX, MA branch of PNC Bank to close my high yield savings account. I met with a senior banker and confirmed the closing amount would include interest for the month of XXXX through XX/XX/XXXX, in the amount of {$1200.00}. In fact, the banker 's computer screen indicated I was due the interest and the exact amount above. However, when the banker provided the check reflecting the closing amount, I pointed out that the check did not include the {$1200.00} in interest. The senior banker did not understand why that was the case, and he noticed then that the interest had been reversed on his computer screen. He then spoke to the branch manager who also indicated she did not understand why the interest had not been included. I also was told that now that the account was closed, I could not reopen the account or keep it open until the end of the month when the entire month of interest normally would be credited to the account. They tried to get through the help line and could not do so right away so they said they would call to find out what was going on and they would contact me and if necessary mail me a check for the interest once they found out why the interest had been reversed. I subsequently called the PNC bank customer service and lodged a complaint. Later that day I heard back from the customer service that PNC would not do anything for me -- notwithstanding the branch 's misunderstanding that I should have received the interest and offering no warning otherwise before closing the account -- because apparently I needed to have the account open at the end of the month to get any interest in XXXX. The customer service line, at my request, subsequently sent me terms and conditions from XX/XX/XXXX to confirm that was the case, but never sent me the terms and conditions when I opened the account, nor do I recall being sent or seeing any such terms or conditions when I opened the account. In any event, the branch was misinformed and as a result I closed the account based on the representation that I would be receiving the interest. Had they told me I would not be receiving the interest, I would have kept the account open until the end of the month XXXX  some 8 days later XXXX  to get the interest. It is clear that PNC has not properly trained its branch employees. I did not need to close the account and could in fact have kept a small amount of money in there until the interest accrued. In short, as a result of the misrepresentations from branch personnel, I lost out on a significant amount of interest. That is not fair, and if PNC bank is truly a consumer-oriented bank they should own up to the error and reimburse me for the interest. In the high of irony, after my call with the customer service department, they had the gall to send me an email indicating that my concern had been resolved. I responded by email that it had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a Payment Offer flyer in the mail from Jefferson Capital Systems LLC with payment plan options for an alleged {$970.00} balance that is not mine and that I do not recognize. There is no information on this flyer ( attached ) that states how to dispute the alleged debt. 
This is the only mailing I ever received from Jefferson Capital Systems LLC, despite a sentence on the flyer that states : " Nothing contained in this letter changes, or in any way limits any of your legal rights, including your rights as set forth in our first letter to you about this account. '' There was never a first letter!

Jefferson Capital Systems LLC has reported this alleged debt to the credit bureaus and it has negatively impacted my score by nearly 150 points, yet Jefferson Capital Systems never provided me with information on how to dispute this alleged debt, which is against the law. 

Thank you for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The store offered me a rewards card, not indicating it would be a store credit card. They asked for my credit card to secure the rewards card so I thought it was paid then I got a statement in the mail saying I had a XXXX credit card and that I owed the money which I immediately paid and called them up and told them to cancel the card. I never wanted it, and that I was scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-25 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: TX

Complaint narrative:
On Friday, XX/XX/XXXX I called mohela and asked about the student loan transition program. I could not get through to anybody for around XXXX minutes and after I finally did I was in transferred to a different department and waited almost an hour. From here, nothing happened in the car was eventually hung up on their end and I had to start back at XXXX XXXX and got nowhere after that. I was calling to see if I could pay off my loan for the month of XXXX, because it is in this transition program, and I have no access to the account and I am afraid that this will be a problem for my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i. 
In response to my dispute regarding the account XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate. 
According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated. 
I hereby request the immediate deletion of this account from my consumer reports. 
Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, 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 2024-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX Dear Portfolio Recovery Associates, I am writing to dispute the alleged debt you are attempting to collect from me. I am requesting validation of this debt according to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ).

Dispute and Requests : 1. Debt Validation : I hereby dispute the validity of this debt in its entirety. Please provide the following information to validate the debt : * The name of the original creditor.

* The original amount of the debt.

* The date the debt was incurred.

* A copy of the original contract or agreement between me and the original creditor. 

2. Purchase Agreement : If you have acquired this debt from another party, please provide a copy of the purchase agreement between you and the original creditor. 

I have not received any prior communication regarding this debt, and I do not believe I owe the amount you are claiming. I am requesting that you cease all collection efforts, including phone calls, letters, and any negative reporting to credit bureaus. I need all of the aforementioned items. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
'VE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I REQUESTED FOR THEM TO PROVIDE ME WITH THE DOCUMENTS USED TO TAKE OUT THIS CONTRACT/AGREEMENT IN MY NAME. THE DOCUMENTS USED TO VERIFY MY IDENTITY. I DID NOT GET THOSE DOCUMENTS WHICH IS MY RIGHT WHEN REQUESTING FOR A DEBT COLLECTOR TO VALIDATE DEBT. EVERYTIME THIS AGENCY CALLS, THEY HARRASS AND RESPOND TELLING ME YOU KNOW YOU OWE THE DEBT. INSTEAD OF PROVIDING ME THE DOCUMENTS REQUIRED WHEN REQUESTED UNDER THE LAW. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. IVE REQUESTED FOR XXXX AND XXXX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK THE DEBT COLLECTOR AT THEIR WORD. THESE XXXX CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW. I AM FINALIZING A REPORT REQUESTED BY THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION WHILE THEY INVESTIGATE THE TACTICS OF THIS DEBT COLLECTOR AND THE CREDIT BUREAUS. THE AGENCY HAS TOLD ME INVESTIGATORS WILL BEGAN INVESTIGATING IF THERE IS NO FAVORABLE DECISION FROM THIS REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
The Optum Bank web access system displays " Secured for Patient 's Privacy '' in the description field for many transactions even though the user/subscriber is the person who originally entered the descriptions into the system. This makes no sense at all and makes it difficult to reconcile reimbursement requests with payments. 

See attached screenshot for an example.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
The IRS sent my tax return to Chime on XX/XX/2024. I received an email from Chime on XX/XX/2024 that they receive the deposit from the IRS but they needed to verify my identity. They asked for my CA ID and my husbands. They asked for the full copy of our tax return documents. I immediately sent all three. They were easy to send considering I just did this with them a week prior for my CA tax return. However, I still have yet to receive it. Ive called in and done online chat through their app five times since Friday XX/XX/2024. Each time I spoke with a representative they had different reasons as to why my return has not been deposited. When I would provide physical proof of their email stating they did receive it, and the proof from the IRS website stating the funds were released and deposited to Chime, they continued to dance around an answer. Even when speaking with two different supervisors, they keep saying the same things. None of which explains why theyre holding it and when it will be released. I have provided the information they asked for twice now, all of which they have received before. There is no reason to hold onto my tax refund when the documents were provided immediately and the email stated it would be released to my account within hours of submitting. This business is unethical, unprofessional, and honestly hard to deal with. Big businesses like this just arent held accountable the way the rest of us are and its time they are held to the same moral and ethical standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
Issue : Cross Country mortgage refusing to complete an FHA loan assumption for buyers and sellers in a timely fiduciary manner per HUD/FHA Regulation and Policy. Cross Country mortgage intentionally not following the proper procedure and timelines to complete the loan/rate assumption process by refusing to answer calls, when calls were answered, disconnecting the calls and not returning calls when they had our phone number to call us back immediately. 
On XX/XX/year> my wife and I entered into a purchase agreement through XXXX XXXX as the sellers of our home at XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX. Our mortgage company is Cross Country Mortgage in which we have an FHA loan through. As part of the HUD/FHA ; `` All FHA loans are assumable ... qualified assumption requires the assuming borrower to qualify for credit based on current underwriting guidelines..The USDA requires that the house is in a USDA-approved area ... complete an application, provide documents, and meet the lender 's credit, income, and financial requirements to get the loan assumption approved. '' Cross Country continued to claim that buyers and sellers did not complete and signed required paperwork when we did everything that was requested. They are claiming now that we did not start the paperwork until XXXX of 2023, which is absolutely false. In XXXX of 2023, I the spouse of the seller was forced to file XXXX XXXX Bankruptcy due to the stalling of the sale of our home. The home was not included in the XXXX XXXX  because we already had a purchase agreement in place since XXXX. The Buyers have been renting the home from the Seller 's ( myself and my wife- the complainants ). Cross Country mortgage were purposely stalling due to the current high interest rates that have been between 7-9 %. We have a 3.125 % interest rate on our loan. These tactics have been reported in the news, XXXX and other social media outlets. Cross Country mortgage has a fiduciary responsibility to follow all law, policy and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
unauthorized inquires on my report. this happened on XX/XX/year> from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Fidelity LP
State: IL

Complaint narrative:
I have received numerous billing invoices from " XXXX XXXX. '' I never ordered anything from this company. After reading articles online from other consumers, indicating the company partakes in fraudulent practices, I did not contact the company. These invoices started coming in the mail about a year ago. They were stating I owed money for XXXX items of {$90.00} each, for a total of {$180.00}. On XX/XX/24 I received a letter from Universal Fidelity LP stating the XXXX XXXX XXXX has asked this " national collection agency '' to contact me regarding this apparent account. I have not contacted either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
IVE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I REQUESTED FOR THEM TO PROVIDE ME WITH THE DOCUMENTS USED TO TAKE OUT THIS CONTRACT/AGREEMENT IN MY NAME. THE DOCUMENTS USED TO VERIFY MY IDENTITY. I DID NOT GET THOSE DOCUMENTS WHICH IS MY RIGHT WHEN REQUESTING FOR A DEBT COLLECTOR TO VALIDATE DEBT. EVERYTIME THIS AGENCY CALLS, THEY HARRASS AND RESPOND TELLING ME YOU KNOW YOU OWE THE DEBT. INSTEAD OF PROVIDING ME THE DOCUMENTS REQUIRED WHEN REQUESTED UNDER THE LAW. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. IVE REQUESTED FOR XXXX AND EQUIFAX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK THE DEBT COLLECTOR AT THEIR WORD. THESE TWO CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW. I AM FINALIZING A REPORT REQUESTED BY THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION WHILE THEY INVESTIGATE THE TACTICS OF THIS DEBT COLLECTOR AND THE CREDIT BUREAUS. THE AGENCY HAS TOLD ME INVESTIGATORS WILL BEGAN INVESTIGATING IF THERE IS NO FAVORABLE DECISION FROM THIS REPORT. IF THEY LOOK AT MY ADDRESS ON MY ATTACHED PGE BILL IT IS NOT THE ADDRESS WHERE THE ACCOUNT WAS OPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Neither credit reporting entities properly investigated the late payments 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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX ACCOUNT # XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.

Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, 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