vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
My grandmother died XX/XX/XXXX. I was the beneficiary on two of her accounts. We did this in XXXX prior to the XXXX merger to PNC, and verified I was listed as the sole beneficiary on her accounts in XX/XX/XXXX after the merger. It took a while to get her death certificate, but when received I went into the PNC Branch to close her accounts. To my surprise, after several trips between XX/XX/XXXX, XXXX, and several days between then and now I learned that the bank put a hold on one of her accounts until XX/XX/XXXX, and also had my deceased uncle as a beneficiary even though he died and was removed before XXXX... The other account was listed with no beneficiary. I provided paperwork to show me as beneficiary on the original account since the bank didn't provide anything when they converted, but they refused to acknowledge the pre-conversion paperwork, and directed me to Social Security and Treasury to remove the hold. I spoke with both and neither reported anything to the bank, they did it on their own, as well as sending back 3 Social Security payments from before she died. I have been back and forth to the branch and their customer service line with no real help on removing a multi-month hold from my deceased grandmother 's account, or any attempt at finding original beneficiary designation pre-conversion. At one point I made some headway with customer service, but then got disconnected when attempting to transfer to an appropriate person. Called back immediately and was refused to be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: MI

Complaint narrative:
I sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I would like assistance with XXXX debts that are being falsely reported by XXXX XXXX XXXX. I believe these debts to be XXXX years old. 

They purchased XXXX debts of mine... XXXX from Capital one and the other from XXXX. 
These XXXX debts have XXXX been re-aged to the date that they purchased the debt and not the original charge off date. I've made numerous requests to XXXX XXXX XXXX. and the credit reporting agencies, to date this has not been resolved. 

I just disputed the debt again with XXXX. This time I asked some very specific questions and was shocked at the answers. 
I was told that the company does not have to show any proof of the debt. I was told they simply have to reply debt is correct, this is very frustrating. 

When I reach out to the original creditor they refer you to the debt collections company. So they make you run around in circles and nobody will give any supporting documentation as to the age of the debt. 

If I am incorrect I will do the right thing but not one company will step up or provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
NEW INFORMATION, NOT A DUPLICATE COMPLAINT. On XX/XX/2022 I had filed a complaint for 2 reasons. The first was their non response to the ( XXXX XXXX XXXX ) attempts I made to communicate with them via USPS Certified Mail. The 2nd was because I never received any notifications from the company. In the companys response, they allege that XXXX notices were mailed to the address listed in the complaint, yet no information was provided as to what dates they were sent. I have informed delivery through USPS. Aside from being told to rest assure, I am willing to go through each email received for a month time period for each of their alleged attempt. Additionally, they never addressed their reasoning for non response to my previous attempts to contact them. I provided proof that they were sent and delivered via USPS Certifed mail. Does CCS have such proof of their alleged XXXX letters sent to my address? Furthermore, with this being their only communication Ive received from CCS, I feel my rights under the FDCPA were violated as there was no mini Miranda on their communication to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: CO

Complaint narrative:
Bait and Switch Advertising... XXXX... .Lendingtree is Advertising a Interest Rate ( APR ) that is not real and is false. This feels predatory in nature. Once I clicked on the ad and gave my information on the website, 5 diff banks called me and said the rate does not exist. So, I called the Lending Tree Corporate and spoke to XXXX XXXX XXXX XXXX about this. They had no explanation or solution. Thus, I opened a case # XXXX. I have copies of this email that was send out to several hundred thousand people and this rate is not available and is malicious in nature. As I time this email, I am continuing to get calls about a rate that does not exist. 

They advertise a 2.03 % 15 year Fixed Rate in order to get people to call in then they switch you to a higher rate or different product. Not one of the lenders could account for this discripency. I am ready to move forward with the 2.03 % 15year ( fictional ) rate, but yet no one can give this too me per the ad. I ahve a copy of this ad, please feel free to contact me at XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: DISCOVER BANK
State: PA

Complaint narrative:
In XXXX and XX/XX/XXXX, my Discover credit card had XXXX charges from XXXX, which I never purchased anything from, nor could anyone else. The website has no telephone number, no email address, and no street address or XXXX XXXX XXXX After a XXXX, Discover gave me credit for those charges. I cancelled that card the day I received my XXXX statement and asked for a new card. At the end of XXXX, I received a statement for that card and found XXXX more fraudulent purchases from the same scammer, called Discover and reported the problem. I also asked why they didn't block those charges since they should have known it was a scam ; I was told that the charges were " probably pushed through, '' whatever that means. The last of XXXX, I received a statement from my XXXX credit card, which I have never used or activated, that was for XXXX {$160.00}. ( I never received a statement for XXXX or XXXX ) So, someone in Discover activated my card. In late XXXX, that same credit card statement now said I OWED {$110.00}, and the company had transferred those XXXX fraudulent charges to the card. When I again called the fraud unit at Discover, a XXXX  told me that I had told them that the charges were legitimate - at that point I told her that was NOT true. Then XXXX said an investigation was ongoing! I called again, talked to another fraud XXXX, and was told I now owed {$11.00}, yes, {$11.00}. She also told me I had not paid for XXXX purchases from last summer and that Discover double credited me, that was why they didn't owe me. If I owed money from last summer, why didn't they bill me in XXXX or XXXX, charge me a late fee, or transfer those charges on the XXXX bill? Why wait till XX/XX/XXXX? I also received a threating email before I called on XXXX XXXX that Discover would report me to the credit bureaus if I didn't pay them the {$110.00}. by XXXX XXXX Something is seriously wrong. Oh, yes, I always pay the total bill each month, and have done that for the many years of having the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current 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 non-monetary relief
Consumer complaint received 2022-02-16 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: CA

Complaint narrative:
There is an account from XXXX that is appearing under my name with the credit reporting agencies. I was advised by XXXX that this account was to be removed from my credit files. So far, XXXX has deleted the account. It is still on Equifax and XXXX and needs to be removed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After over XXXX attempts, I can not log into my Equifax account ; therefore, I have not been able to release my credit freeze. After XXXX attempts to reach someone by phone, I was able to have them over the phone release my credit freeze. I was told that from this point on that I would be able to access my account online now. I went ahead and clicked on the link they sent to me to create a new password ( which I did ) but the system did not accept the new information - ONCE AGAIN!! Below is the message I receive from their system over and OVER again! 

We are temporarily unable to complete this request. 
Please try again later. 

I am quite sure that I am not the only customer having this problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
So not only after I file a complaint with the credit bureaus about my information being incorrect. 
All of my credit scores drop below XXXX. For what reason I dont know. I cant even view reports and or call to talk to an agent. My phone is always send to the answering machine.

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 2022-02-16 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 — Problem with personal statement of dispute
Company: T.S. Holdings
State: TN

Complaint narrative:
I lived at XXXX XXXX at XXXX  XXXX from XXXX. I was originally on a XXXX year lease and once my lease was up I was paying month to month and no longer under contract. I put in a XXXX day notice with the company advising them that I was in the process of buying a home  and would be moving out at the end of XX/XX/2018. I closed on my home XX/XX/2018 and moved out of the apartment a couple days letter. I am not sure why the apartments are saying I owe them as my notice was put in properly. The apartments have also been sold to a new company since I moved away which should have cancelled out any prior obligations. My problem is that I never received any communication or notices from XXXX XXXX regarding this alleged debt. They allowed IQ data International, a debt collector to take over this and report this information to the credit bureaus unlawfully. The collection company is also charging and reporting interest and fees on my credit report when I have no contract or obligation with them at all. I am asking that this debt be removed from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is not researching disputes on unauthorized or fraudulent inquiries. Their online dispute website page will allow a dispute to be entered but they close the complaint/investigation within a couple of hours and the results always say " inquiries are a factual record of file access and can not be disputed ''. 

Their dispute and investigation process is not consistent with XXXX guidelines and continued violation will force me to seek litigation and possible class action lawsuit. 

I did manage to speak with Equifax and file a dispute with their telephone representatives and an investigation was initiated. On XX/XX/XXXX I received the investigation results stating XXXX inquiries would be deleted. Equifax Confirmation # XXXX showed : Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX XXXX- This item has been deleted from the credit file. 

XXXX Date XX/XX/XXXX XXXXXXXX XXXX - This item has been deleted from the credit file. 

However, the XXXXXXXX XXXX XXXXXXXX XXXX inquiry from XX/XX/XXXX is still reflecting on my credit report. See attached Equifax XXXX with dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX 'S XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX / XXXX / {$25000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My small business recieved a check payment from XXXX 's XXXX XXXX. XXXX XXXX issued the XXXX XXXX  check in the amount of {$8000.00} to XXXX XXXX ( previous cleaner 's dba ) when in fact the current dba we use is XXXX XXXX. 

His mistake is quite understandable as he had a long business relationship with XXXX XXXX. He simply failed to make the check out to XXXX XXXX ( our dba ) as shown on his invoice. We changed the dba upon purchasing the dry cleaners for clarity 's sake to avoid confusion exactly like what's happening now. 

For 15 years we have done business banking with XXXX XXXX, We use the respective dba names of our XXXX stores and endorse checks in the CORPORATE NAME. I ( president/owner ) failed to note the word 'Express ' vs 'Cleaners ' on the check payee line and endorsed it as per normal. I submitted the check to our Huntington Bank business checking account using the MOBILE DEPOSIT application for the first time ever. This deposit occurred on XX/XX/22. 

Huntington Bank noted the payee/endorsement discrepancy and rightly put the {$8000.00} check on hold. They required a notarized 'Release of Funds ' form and explanation of circumstances, which we provided. The declined to release the funds Huntington Holds next said the original maker ( XXXX XXXX  and XXXX XXXX ) would need to request a return of funds. They ( XXXX and XXXX ) have done so, but Huntington still refuses to release the funds. 

Finally on the XXXX day ( XX/XX/22 ) of this saga I spent XXXX hrs alternately on hold and speaking to yet another indifferent person in what they call Customer Service. Each said basically " Can not help you. Not my department. Holds says to go to the local branch manager. Click. Goodbye ' The area supervisor ( former branch manager ) addressed the situation with current branch manager and they too were told that XXXX and XXXX XXXX need to request the funds release. So, I called XXXX again to reconfirm he had made the request. He had. 

I contacted Huntington Customer Support via XXXX direct message. They were quite responsive but were also stiff-armed by Huntington Holds Department with the same story : " Talk to branch manager '' and/or " Have XXXX request release ''. 

Government regulatory action is my last recourse. I have exhausted all avenues- and became exhausted in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2021 XXXX, XXXX and XXXX failed to produce an investigated report for WF/XXXX  account reported on my consumer report. 
They have failed to provide me with the required tax form documents that are required by the Internal Revenue Service including 1099OID and the 1099C. I will include the FTC report for identity theft against the use of my taxpayer identification number, also known as, the social security number. WF/XXXX  has also communicated my personal information without my authorization to these consumer reporting agencies without my consent include the social security number which is private and confidential. The said debt was not validated by me, the consumer so it should not be on my consumer report. 
The original creditor is Wells Fargo and the status of this account is in Charge Off which they are also acting as a debt collector under a different name so they are using a 3rd party as a debt collector. 
As of XX/XX/XXXX, I have not received an investigate report as they have 30 days to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief