vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have been scammed by an Absconder and filed two police reports. XXXX police told me to work with PNC. I did work with them and everytime from the branch to the telephone persons all they told me is to file a complaint. The complaint that they said will take 3 days to dispute a scam most 99 % won't be able to do anything to me. I have been asking for explanations and they never call me back when they said they will. I have to put in request to be called then they called me with an attitude we are working on it when i recieved a letter a few days ago saying that they won't be able to do anything because it's 3 days dispute and they can't find anything. Of course nobody is able to do any investigation work in 3 days, not even the police can trace me being scammed that fast. I gave them all evidence, the absconder list, police report testifying me. Nothing comes from their end but just a half of a job to do a complaint, 3 days passed, well PNC is not able to do it because their process takes 3 days to dispute?. I told the only person that call me back why is he saying they are working on it when i already recieved a result he said well he doesn't have to go over any clients files before he calls. Well if you don't care why even bother to call? Because people complained so PNC give them a half answers and if they are not satisfied still, pnc would just call and lie that they are working on it when i receive a letter from the dispute department saying they won't help? But the on call person from the same department would call me still and lie to me that they are working on it, then got busted and keep saying basically bad luck, do you want to file another complaint? Is there ang other things he could do for me in a threatening voice. Even worse, when i want to speak to a manager at the branch, they deny it, i wiped all of my deposit box and money and they treat me disrepectfully saying that it's my fault and its not on PNC. Well, you are the keeper of my money, it is your job to keep it and protect it. Another time at the branch, branch representative told me file a complaint again won't do anything, it will just bounce back the time for the investogation and make it longer so just stop?. 

Helpless, i have to report them. Even if i lose my money, PNC lose a customer for 7 years who deposited more than XXXX in those years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XX/XX/XXXX. My XXXX XXXX XXXX Lease Expires. I leased a new XXXX XXXX XXXX. XXXX  changed the heavy engine to a lighter engine on the XXXX models. The car was much louder, and after 2 days I returned the car to the dealership and I got my XXXX XXXX XXXX back. 

The only way to settle the issue was to lease the next model up, a XXXX XXXX XXXX. It cost me more money, but the car was considerably quieter. It took four weeks to settle the issue and I was 30 days late on the payment that the dealership promised to make when I bought the original car. I was committed to buying a new car, which I did. Nissan Motor Acceptance Corporation and the XXXX XXXX XXXX XXXX have hurt my credit. They have exposed me to higher interest rates because of this negative report. But what adds insult to injury is that I bought new cars from them! 

XX/XX/XXXX. My daughter and I were rear ended by a hit-and-run driver. Our injuries have been difficult to overcome, along with dealing with the insurance company. We hired an attorney and XXXX did settle with Nissan Motor Acceptance Corporation, less {$1000.00} deductible. I paid the {$1000.00} deductible myself and the attorney is working to get XXXX to get me reimbursed. I have lost work as a result of the accident, and have been further damaged by Covid-19. 

I have pleaded with Nissan to stop reporting negative information on my credit bureau, because the late pays were not my fault. You can see I pay on time. Nissan and XXXX  are extremely difficult to communicate. They w

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There was a XXXX XXXX account opened in my name. I have told them the situation and they continue to hassle me about it. I have never had a credit acceptance account. Someone stole my information and obtained a vehicle under my name and I had no knowledge of them doing it and XXXX XXXX continue to collect on it and I had no knowledge of it. I understand that someone opened the account and it appears as it was me. It wasn't and I am not the person that opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX. My XXXX XXXX XXXX XXXX Expires. I leased a new XXXX XXXX XXXX. XXXX changed the heavy engine to a lighter engine on the XXXX models. The car was much louder, and after 2 days I returned the car to the dealership and I got my XXXX XXXX XXXX back. 

The only way to settle the issue was to lease the next model up, a XXXX XXXX XXXX. It cost me more money, but the car was considerably quieter. It took four weeks to settle the issue and I was 30 days late on the payment that the dealership promised to make when I bought the original car. I was committed to buying a new car, which I did. XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX have hurt my credit. They have exposed me to higher interest rates because of this negative report. But what adds insult to injury is that I bought new cars from them! 

XX/XX/XXXX. My daughter and I were rear ended by a hit-and-run driver. Our injuries have been difficult to overcome, along with dealing with the insurance company. We hired an attorney and XXXX did settle with XXXX XXXX XXXX XXXX, less {$1000.00} deductible. I paid the {$1000.00} deductible myself and the attorney is working to get XXXX to get me reimbursed. I have lost work as a result of the accident, and have been further damaged by XXXX. 

I have pleaded with XXXX to stop reporting negative information on my credit bureau, because the late pays were not my fault. You can see I pay on time. XXXX and Transunion are extremely difficult to communicate. They w

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello. Im attempting to purchase a home and my underwriters are asking if I have ever lived at XXXX XXXX XXXX, XXXX MD, XXXX. I have never lived there nor have no idea how this address is even listed on my credit report. The date reported was XX/XX/2019. I highly assure you that I have no explanation or how this address is even listed on my credit report. I feel I may be a victim of identity theft or there is someone who does not have anything better to do than to steal my SS and use it on the the day before XXXX. I would really appreciate any assistance on removing the listed address above from my credit report in hopes it does not derail my chance for a new home. Be well and 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 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
XX/XX/2020 I contacted Hunter Warfield Collections and spoke with XXXX. I clearly asked about a account regarding my wife XXXX XXXX. XXXX only asked for my name as identification and nothing else. He clearly discussed my wifes debt without her consent. He also clearly stated that there were not any notes disputing the account. After he acknowledged we have called in several times and did indeed dispute that the debt is not ours. But we were threatened by the original debtor to pay the debt or they were going to sue us. Which is illegal. XXXX clearly stated on a recorded line clearly all of the debt that is owed without any identification other than my name. No address, social not even phone number was obtained to verify who I was. I was with my lawyer on this call and we recorded this as well. As texas is a one consent party state allowing recordings. Once I notified XXXX of his errors he quickly recovered and tried to say he discussed this with me. Because my name is on the debt as well. That was never discussed on the call and again even if so no ID other than my name was used when he gave private information. Hunter Warfield as you will hear in the call also has not been handling the account properly. By not disputing this and kicking it back to the original debtor. Especially when there is a written threat of suing by owner to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
Amex closed my account witouth my consent, they are breaching the contract by not complying to reopen my accounts. Amex Hilton Honors and Amex XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: MA

Complaint narrative:
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to Equifax to cancel a freeze on my acct. However I am unable to make any changes as staff on phone said they can not prove I am the person requesting change. The woman had a difficult time understanding English or speaking it. 
I asked for a supervisor but never transferred after 30 minutes. 
There is old personal information on my credit report and current information not reflected at all. 
I want to make updates on my acct and unfreeze it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TN

Complaint narrative:
XXXX XXXX is reporting negatively on my account. I sent the credit bureau a copy of my contract with XXXX AND NOT XXXX XXXX and they just updated the loan. XXXX and XXXX XXXX can not be report together. They are not the same company. When contacting XXXX they acknowledged that I have no account t with them. XXXX XXXX ALSO ACCELERATED MY LOAN WHILE I WAS ON XXXX XXXX WHICH IS IN VIOLATION OF THE SCRA LAW. I want to know how Experian validated this contact. I want to know what procedures did they follow to ensure that this loan was accurate.

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 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
See attached letter. 

- Identity Theft Report - Proof Of Identity - Noticed to Furnishers of Information

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 2020-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Fund
State: CA

Complaint narrative:
I discovered that the lender added approximately {$1800.00} in unstated, unauthorized, and unwarranted, legal fees after I took out a loan with them. I contacted the lender and asked them to remove the fees.

I informed them that there wasn't any mention of said fees in my loan agreement. The lender could not identify any clause in the contract that outlined any such fees, and they refuse to remove them still. This is a violation of fiduciary duty, fraud, and predatory lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have sent Santander Consumer USA validation letters back in XX/XX/2020. I have disputed this account several times asking for validation of debt and have not received any correspondence back from Santander Consumer USA. They also have incorrect information reporting to my XXXX  and XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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 {$10000.00}, {$6200.00}. 
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 ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -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 2020-09-14 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 {$10000.00}, {$6200.00}. 
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 ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -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 2020-09-14 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 {$10000.00}, {$6200.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent a total of 4 letters to EQUIFAX, XXXX  and XXXX  regarding student loans on my credit report. The companies listed above have violated my rights under the the FCRA and CARES ACT. 

1. I sent letters disputing the student loan accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of my disputes to these accounts have been noted and added to the comment section of my report. This is a violation of section 623 of the FCRA.

2. Per the CARES ACT H.R. 748 ( 116 ) borrowers of Federal student loans were granted a six-month pause on their payments and they were to be listed as on time payments, but the bureaus have 120 day late payments and charge off listed for the months of  XXXX until XXXX of 2020. 


3. The bureaus have different dates listed for the date of last activity, how can this be possible when they are coming from the same data furnisher? This is also a violation.

I have attached proof of my previous correspondence AS WELL AS PROOF OF THE INCONSISTENCIES ' ; BEING REPORTED BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX agreed to remove late marker on credit file date for XX/XX/19. However Transunion and XXXX  will not allow me to reinvestigate or submit a dispute.

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 2020-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted them multiple errors on my reports and I continue to get something stating it has been verified as accurate.

As you can see I have come to you multiple times and I get ignored.

As

per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, I am now seeking compensation. I have now gotten the XXXX involved and Attorney General and will proceed to sue them if they don't act promptly.

False accused me and have defamed me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation