vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
In XX/XX/2020, my daughter and I contacted PNC Bank in an effort to refinance our multifamily to take advantage of lower mortgage rates. This process brought to light exorbitant closing cost fees and prejudicial appraisal practices encouraged by PNC Bank. 

During the documentation process, we came to learn that PNC Bank charges what is considered exorbitant closing cost fees in excess of {$19000.00}. After checking with other institutions, it was confirmed that this amount is considerably high for a residential refinance. 

After a long documentation process, we then endured what we found to be a prejudicial home inspection/appraisal performed by XXXX XXXX, XXXX in which we believed that the property was greatly under appraised based on other recently sold neighborhood comparables. The property was appraised at {$670000.00} in an area in which other comparable properties are valued at $ XXXX {$800000.00}. The property was appraised just two years prior during purchase at {$720000.00}. Additionally, over the two year period of ownership we put in an additional {$100000.00} of improvements into the property. We expressed our dissatisfaction with the appraisal and requested a secondary appraisal be performed. This request was denied. However, we were told that we could request an appraisal rebuttal for which the property could be re-evaluated. For this process, we submitted a number of comparable properties that had recently sold in the area for high amounts. Nonetheless, the comparable properties were simply rejected by the appraisal company and a re-evaluation never occurred. 

For the above reasons, my daughter and I decided to decline the mortgage refinance. A few weeks went by when we received a letter in the mail from PNC Bank expressing that the loan had been denied due to credit denial, not that we had decided to opt out of the loan or that my daughter and I both had credit scores that were over and above what PNC Bank deemed as good scores that were well over XXXX. 

We contacted PNC numerous times to submit a complaint and to discuss the issues. Many attempts to contact the bank went unaddressed. Yet, after a number of persistent phone calls, we were able to get a return call from the manager of the loan department named, XXXX XXXX. During the conversation, she seemed to be explaining a different reason for the denial that did not match what was stated in the denial letter we received. So, I asked her if she had reviewed the letter we had received along with the complaint that had been submitted. Sadly, she had to admit that she had not read them prior to returning my call. How can a manager address a complaint and follow up with a customer on an issue when she has not properly prepared herself?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON 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 2020-12-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, the pre-paid card provider for California EDD ( Unemployment Insurance ), provided a provisional credit for {$150.00} in reference to a dispute submitted in XX/XX/2020. The claim was approved and the credit was supposed to remain permanent. However, on XX/XX/2020, the credit was reversed and {$150.00} was debited from my prepaid EDD account. After calling Bank of America multiple times and the customer service representatives promising the credit would be reissued, the credit never materialized. The credit should be issued immediately and without delay, especially as these are funds that are needed to provide food and shelter in the absence of employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$7800.00}, {$5000.00}, {$0.00}, {$1000.00}, {$13000.00}, {$7800.00}, {$6000.00}, {$7700.00}, {$1600.00}, {$6900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not 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 2020-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
In XX/XX/2020 I encountered problems with a late payment to Target due to problems arising from the COVID-19 epidemic. 
On several occasions I noticed that there was a link in the billing site that stated Target would work with persons having problems due to COVID-19. 
The arrangement consisted in my tendering an initial payment of {$98.00} and agreeing to have payments automatically deducted from my bank account. 
Since that time I have had {$57.00} per month taken from my account with no problems. 
However, last week I called the credit provider to see if I could remove my account from the agreement since under it I could not make any purchases until XX/XX/XXXX. 
The customer service representative repeatedly inferred that I was trying to avoid paying my bill. 
At first I thought perhaps he was just a rude and inconsiderate person so I called the company again and asked if my account was considered to be in collection. This person also started to treat me as though I was a " deadbeat '' and when I asked if the account was considered in collection he stated that it was because I had entered into the payment plan. 
Target did not make this arrangement sound like a collection when I agreed to the payment arrangement. 
I agreed to the arrangement with the understanding that they would not take any punitive measures against me. 
Until the epidemic I made it a practice to always pay my bill on time. 
I believe that this creditor should not be taking advantage of people suffering hardship with good intentions as to the payment of their debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$7800.00}, {$5000.00}, {$0.00}, {$1000.00}, {$13000.00}, {$7800.00}, {$6000.00}, {$7700.00}, {$1600.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not 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 2020-12-07 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$7800.00}, {$5000.00}, {$0.00}, {$1000.00}, {$13000.00}, {$7800.00}, {$6000.00}, {$7700.00}, {$1600.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: NV

Complaint narrative:
Someone may have stolen my identity. There are accounts, addresses and inquiries that don't belong to me. Please remove them. I have attached my personal information as well. Thank you.

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 2020-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has reported late payment on my credit card for the amount of XXXX USD as it appears on my credit history. This has greatly damaged my credit score. I have contacted Capital One to clarify what it means to have a late payment of XXXX  ( XXXX  ) dollar. 
In response they told me the information is correct and that I had a late payment for XX/XX/2020. 

I've check my statements and I see that I have made payments as following XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$90.00} In XX/XX/2020 I made above the required amount, so I could not have a late payment, yet my credit history as of today show 1 missed payment in XX/XX/2020 for the credit card ending XXXX for the amount of XXXX dollar. 
I have never had any missed payment in my life and this one miss payment ruined my perfect credit history. 

This makes no sense, how can one miss a payment of XXXX dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
When I was in my XXXX, I signed up for the Public Service Loan Forgiveness Program after graduating from my XXXX 's in XXXX XXXX program from a Public University. I was promised " loan forgiveness '' after I make qualifying payments after a set amount of time. However, what I found was that it is extremely difficult to find an employer who qualified for this program. In the state of California, there is a market trend of XXXX XXXX XXXX being privatized, even though they receive public and federal funding to operate. In 2017, I had a hard time finding a job with an employer that qualified for the loan forgiveness program, even though I searched specifically for a non-profit or government agency. Eventually I was offered a job at a for-profit entity and had to choose between being jobless or getting a job with an employer that isn't qualified under the PSLF program. Now I am in my XXXX and feel stuck with a loan that did not account for the market trends of privatized XXXX XXXX XXXX. The interest rates are sky high and I am drowning in debt from this program. I feel completely taken advantage of and failed by my government.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: GA

Complaint narrative:
Around XX/XX/2020, after doing an annual credit report pull. I noticed there were fraudulent accounts reporting on to my credit report. we have attempted to contact all parties. A few of these accounts were removed from XXXX  and Experian however have not been removed from XXXX. the other accounts has been contacted multiple times by us to request information for these fraudulent accounts. we have filled out the required identity theft information, however they continue to report the fraudulent account to all 3 credit bureaus are accurate and refuse to give us information proofing this fact. Now they have stopped responding to our emails completely even after speaking with multiple supervisors. This is honestly beyond ridiculous and violates our rights under the FCRA laws.

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 2020-12-07 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are several fraudulent charges on my account. my card was used in another country! without my permission. I reported the charges to capital one in a timely manner and they are refusing to do anything about them.. I offered to provide evidence however they claim they are refusing to discuss this manner anymore with me and keep hanging up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TN

Complaint narrative:
I am writing to DISCOVER FINANCIAL SERVICE because I am having difficulties with applying for new credit cards. The late paymen on XX/XX/2020 in XXXX, XXXX  and XXXX  report prevents me from achieving the desired results. 
I am kindly requesting DISCOVER FINANCIAL SERVICE to remove this late paymen from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MA

Complaint narrative:
Good Evening ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
The Law Firm of XXXX XXXX XXXX first sent a letter in XX/XX/2020 which I responded same day via email and telephone to the offices. I never received a call back or response by email. Then in XXXX they sent me Affidavit in Support of Entry of Default which I responded back stating I was willing to dicuss a settlement back in XXXX but no one responded to me which I mailed this letter XXXX overnight and they did receive and sign for it.. They did not respond back to this letter either instead on XXXX I received another letter stating I was in default and they were going to file judgement against me claiming I never responded to their communications which is a lie. I don't know why they are being deceptive and continue to harass me via letters threatening to take me to court. This has caused me so much stress the harassment for no reason when I have tried to work with them. This latest letter was dated the XX/XX/XXXX but postmarked on XX/XX/2020 and received on XXXX. They are even deceptive in their mailings.

Company response to consumer: Closed with explanation