vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX approximately XXXX PNC Bank located on XXXX XXXX and XXXX XXXX in XXXX PA denied me a {$5000.00} dollar withdraw from my checking account. The funds were available but the bank manager asked me where did the funds come from. I told her my insurance company which it clearly states on the deposit. Then she ask what is is for. I told her for my house. She then ask what its for again. By this time i answer can you give me my money. She goes in the back for 15 minutes. Then comes back and says we cant give you the money. I had my camera out and she said i cant record her and she didnt answer any questions after that. I then said I would like to close my account, which she denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
I have been requesting numerous times for. the validation of my original signature regarding a collection account was sold to the collection agency Portfolio recovery associates XXXX XXXX XXXX   XXXX, VA XXXX on XX/XX/2017. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). That required by federal law to verify through the physical verification of an original signed signature from the consumer-any and all accounts this company post on a consumers credit report. Portfolio recovery associates only provided copies of credit accounts statements " only '' with-out the requested original signed signature. I have been demanding to see verifiable proof of my original consumer contract/ documentation with my signature on it. that this company have on file. Under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ). l feel that this company Portfolio recovery associates is trying to extort me for funds on this account in question an have not been verify with my signature required by law, if this can't be verified this account must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened an account with Bank of America. My account was compromised by an abusive partner I was I a relationship with. After I moved away, I received notice that there was a gym membership attached to my account. I contacted Bank of America and they asked for proof. I was able to obtain details of the membership agreement which was completed online. It had the name of my ex partner listed with my banking information. I provided details as well as the gym company providing details. Bank of America has asked for a police report however the state that I have moved to told me that I would have to file a report in the city the crime was committed in. The state that I moved from will not complete the report because I no longer reside there. I have all paperwork, the gym has a photo copy of the person who used the account, and the membership agreement completed online. Bank of America has not resolved this and are refusing to, yet they have reported to consumers by way of my credit 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 monetary relief
Consumer complaint received 2020-08-19 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-08-19 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom it May Concern, I have been an American Express Centurion Card holder for over 35 years, since XXXX, and have never missed a payment, and have never been late. I have accumulated XXXX XXXX points over several years, on Monday XX/XX/XXXX, I was trying to buy a coffee at XXXX XXXX and my card was denied. I immediately called American Express, and they said that my payment was late. Not only was it not late, it wasn't true. The payment is due on XX/XX/XXXX. Also on Monday XX/XX/XXXX, my Account Manager, proceeded use approximately XXXX of my XXXX XXXX to book a flight for my son & I to XXXX, for him to goto college. The flight was booked for my son & I, locator # issued. The following day my itinerary was revoked by American Express, and to make matters worse, the flight was then sold out. American Express was notified, and again, they said due to non payment, that I was not allowed to use my XXXX XXXX points that I accumulated over the last several years. I was told by American Express to talk to underwriting, on XX/XX/XXXX, and after 1 hour 40 mins on the phone, underwriting stated that they had put a limit of {$59000.00} on my American Express XXXX card. To my amazement, I have {$85000.00} on it as of today, and the payment is still not due. After talking to underwriting ( XXXX ) I was told that they were asking for additional information on my account. I told XXXX that every year for the past 10 years, we have sent my personal tax return to American Express XXXX, and nothing has changed with my finances in that time. XXXX, demanded information that not only I don't have, and never have had, in the 35+ years that I have been with American Express XXXX For American Express to arbitrarily without any type of notification or reason to freeze my card from working, even though I have a {$100000.00} limit, and have for several years. Enclosed is my XXXX card bill which shows balance of {$45000.00} with a preset spending limit of {$100000.00} and payment due XX/XX/XXXX ( see enclosed XXXX XXXX statement ). American Express unlawfully and illegally has withheld my XXXX XXXX points, that I've earned over several years, and is holding them hostage, even  though there's no bill due till XX/XX/XXXX & has no answer to why & how.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XX/XX/2015, {$2000.00}. Put a notice on my door to pay false late fees in 4 days or My personal items would be put to the street and I would be evicted. I was discriminated against by new management and bullied to leave property with my child.

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 2020-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Please note my chief complaint is misappropriation of principle and Interest payments made to Chrysler capital. As a young XXXX American who is considered low-income. I also believe that I am paying a higher Interest rate because I am XXXX American. This is A payment was made to Chrysler and Chrysler capital applied the entire double payment that I made to my interest and nothing to the principle that was due. They advised that they did not send out a notice or have to get my signature for such action because it was a recording. I asked them to provide documentation of such motion but to no avail. In this current pandemic, I was able to pay {$1100.00} which I really did not have to spare. ( From XXXX XX/XX/XXXX to Date XX/XX/XXXX, {$5200.00} has been paid towards the interest. {$1700.00} has been paid towards the principal. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit 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 2020-08-19 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been working diligently with CFPB and creditors regarding removing erroneous credit information on my TransUnion report. After working with the CFPB and the creditors directly, it was determined that the following items would be removed from my TransUnion and XXXX  report. To date the following that was agreed to remove are still showing months later have resolution was rendered. I'm asking again, to have the following items removed from my TransUnion and XXXX  Report : XXXX XXXX 60 day late payment removed from XX/XX/2013, XXXX XXXX 30 day late payment should be removed as creditor agreed that, this account should not have any late payments reported and deemed incorrectly reporting on my credit report. XXXX XXXX Case # XXXX removed as it was determined that, the ( 2 ) accounts negatively reporting should be removed as no record was found. I'm requesting that these items be removed immediately from my report as this has cause a great hardship on me personally.

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 2020-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting with this written complaint that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : XXXX XXXX XXXX   XXXX Status states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. 
XXXX XXXX XXXX XXXX Status states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. 
XXXX XXXX XXXX XXXX XXXX From XXXX This account reflects 3 consecutive months of 120 days past due. You can not have more then 1 month with the same number of past due. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX XXXXXXXX This account does not belong to me. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX XXXXXXXX This account does not belong to me. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX. This account does not belong to me. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX XXXX This account does not belong to me. This is non-factual reporting Please remove this account. 
XXXX  XXXX From XXXX This account reflects 9 consecutive months of 120 days past due. You can not have more then 1 month with the same number of past due. This is non-factual reporting Please remove this account. 
XXXX  XXXX From XXXX This account reflects 9 consecutive months of 120 days past due. You can not have more then 1 month with the same number of past due. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX This account does not belong to me. This is non-factual reporting Please remove this 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 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I have written on the bill face " your not allowed to charge late fees during covid period " I did this three times  I believe, definitely twice. They still put the charges on the statement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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:
Hi, my account was breached since I received my S.S. Benefit check dated XXXX. I have no money to pay my bills and I am being threatened by the utility companies that they will shut down my services. I am a Senior Citizen and XXXX. 

I called and filed a fraud report with Suntrust and was given a case # XXXX. My account appeared to be a negative {$12.00} and change on XXXX. The representative closed the account and issued me a new card which I received today XXXX. I checked my debit card account and now allegedly owe almost XXXX on a closed account. How is this possible! I have been with SunTrust for many, many years with no problems until the merger began. 

I need and demand that my account be restored to XXXX with my entire S.S. check of {$1100.00}. so that I can pay my bills. I am a XXXX XXXX  survivor ( last one out of the XXXX XXXX ( with XXXX XXXX XXXX   and many other ailments ).

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 2020-08-19 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: MN

Complaint narrative:
I initially contacted Equifax because they were reporting incomplete information on my credit report. They posted an account with no information on who was reporting it. I received a response saying they added the name of the creditor " XXXX  '' after I asked them to delete the account from my report for not reporting it correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: CA

Complaint narrative:
I received in the mail. XX/XX/2020 a letter from XXXX XXXX XXXX XXXX, of XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, claiming I owed {$55.00} and referencing XXXX as the creditor, Total fraud, I don't owe XXXX anything. I called XXXX XXXX AT XXXX at XXXX XXXX  XX/XX/2020 and asked what this was about. She is well trained to spout off a lot of bogus account numbers, code words, and tried to get my personal info, very clever. You should shut these crooks down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
CFPB, Navient has been charging interest on payments I have been applying to my principal during the National Emergency Forbearance .... 

thanx XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX DEP XXXX XXXX {$3700.00} DEPTEDNELNET XXXX {$4000.00}

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 2020-08-19 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. US DEP XXXX XXXX {$3700.00} DEPTEDNELNET XXXX {$4000.00}

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 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent a written letter, via certified mail, to EOS CCA asking for them to validate an alleged debt for XXXX XXXX amount : {$1900.00} ). In addition, I disputed the validity of this debt to all three credit bureaus. All three bureaus deleted record of this debt. In XXXX, XXXX  explicitly informed me that they found that this debt was invalid and not mine through it's investigation. At this point I hadn't received any communication from EOS CCA. 

On XX/XX/XXXX I received a letter from EOS CCA. All it stated was that it was an attempt to collect a debt and it included the original bill from XXXX that they claimed I owe. It had no other information regarding the legality of their right to collect, no disclosure about my right to dispute this debt, or the age and statute of limitations. 

Beyond this, this debt is so old they can not collect on it. Furthermore, It is invalid. I have proof that the bill in question is made up of fraudulent charges on XXXX 's part. in XXXX XXXX failed to report returned set-top boxes when they were brought to physical locations or stores. the set-top boxes that are being charged were returned. Furthermore, the date of the bill does not coincide when I actually lived at the address listed. I moved away in XXXX of XXXX. The account was closed way before the time of the bill and we have proof of payments made. This has been proven. EOS CCA, also intentionally sent the letter I'm referring to the wrong address. IN my initial correspondence with them, I explicitly outline my correct mailing address both on the return receipt and within the letter itself. By sending it to the wrong address, it risked my not receiving it AT ALL, thankfully it was forwarded to my correct address and I received it two weeks after its original listed date. Ibelieve they did this to perverse my ability to respond in a timely manner. 

I believe EOS CCA is trying to coerce me to pay for a debt I do not owe. They used tactics to attempt to confuse, elude, and bait me to pay them money without listing the necessary information required, my rights as a consumer, and using minimal language to create fear and frustration that might lead me to irrationally respond. 

If they continue to try to collect on this alleged debt, I will take legal action to prove this debt is not valid and that their practices have violated the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In XX/XX/2018 I approached TD Bank for a refinance loan, the cost was {$7000.00}, upon closing, there was an additional {$20000.00} ask for on that day. 

The manager collected the funds from my account. 

In order to get this loan, I was told to get another address after they came to value the house twice. 

Upon closing the documents could not be had for months.

Company response to consumer: Closed with explanation