vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened a Joint PNC High Yield Savings account ( currently advertising 4 % APY ) on XX/XX/2022. Upon account opening, I tried to fund the High Yield Savings account via ACH from my third-party ( personal ) checking account. However, the PNC account appears to limit deposit amounts if greater than {$10000.00} in any one month. I had planned on depositing greater than {$150000.00} into the savings account, but was not able to do so. I called customer service on XX/XX/2022 to discuss this issue, and was told that they had received similar complaints, in that large deposits were not allowed. The customer service rep let me know that their back-office department may choose to raise the deposit threshold on a case-by-case basis. The rep stated that as a work-around, the account could be funded by wire, but that would result in potential wire fees. As of XX/XX/2022, I have not funded the savings account, and may not due to this limitation. This appears to be a UDAAP violation, as this monthly deposit limitation does not appear to be disclosed in any account opening agreements or other disclosures, or listed within any footnotes or other areas of the entities ' website or certain other areas. Overall, it appears that PNC is currently advertising a high yield savings ( significantly higher than other large firms ), in order to increase their customer base and " upsell '' to other products/services after the high yield savings account is opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, Credit Collection Services furnished negative information to the credit bureaus about an alleged unpaid debt to XXXX XXXX for Date of Service XX/XX/XXXX. I have already paid this debt. Below is evidence of my payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The labwork was sent to XXXX XXXX for processing. On XX/XX/XXXX, I logged into XXXX XXXX 's website and paid all outstanding bills listed. As you will see in EXHIBIT XXXX, I paid a total of {$130.00} for four separate bills on that day, one of which was a bill for {$99.00} and XXXX XXXX XXXX XX/XX/XXXX. The receipt I received for this payment is attached as EXHIBIT XXXX. I've also included my credit card statement ( EXHIBIT XXXX, page XXXX ) showing that I made this payment to XXXX XXXX on XX/XX/XXXX. 

Since then, I have regularly logged in to XXXX XXXX 's website to pay any outstanding bills, which can also be seen in Exhibit XXXX ( e.g. Exhibit XXXX shows I also paid bills on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). After paying XXXX separate outstanding bills on XX/XX/XXXX, I logged into XXXX XXXX patient portal the following day to make sure all bills had been paid and that I had proof of the same. As you can see in EXHIBIT XXXX, the XXXX XXXX website, which listed the most frequent bills I had paid, indicated ( in the top left corner ) that " You have no bills due at this time. '' I called Credit Collection Services on XX/XX/XXXX and explained the above but was only told that, " XXXX can guaranty this bill was not paid. '' The representative stated that because the bill I paid was for a different amount than the amount he was attempting to collect, this was proof that a bill was outstanding. I asked if he could provide me the XXXX XXXX XXXX number for the outstanding bill so I could compare it against the specimen number on the bill with the same date of service that I had clearly alreayd paid. He could not. Following this call, I submitted proof of my XX/XX/XXXX payment via the Credit Collection Services website. I am asking that they immediately delete the negative credit information and stop attempting to collect from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: WI

Complaint narrative:
Living in XXXX and moving to XXXX I cancelled my XXXX account and paid my final bill at the end of XX/XX/XXXX and returned all of my equipment back to XXXX right before and around the third week of XX/XX/XXXX. In XX/XX/XXXX XXXX contacted me to say they were missing some of my equipment. I told them I returned it all and they finally found it all because then in early XX/XX/XXXX XXXX was no longer looking for the equipment they said I never returned but now I owed them another XXXX somehow. The bill was sent to my new address in XXXX and done so two months after I had cancelled this account, returned all equipment and paid my final bill. This billing statement was from XXXX and not a debt collection firm dated on XX/XX/XXXX. Throughout XXXX I have been calling XXXX to ask them what this additional monies owed is for as the billing statement provides no information other than an amount of XXXXXXXX owed. I asked XXXX on XX/XX/XXXX and XX/XX/XXXX to send me my full billing statement so I can understand fully what is being charged and why and instead I was literally sent to collections on XX/XX/XXXX and was called today XX/XX/XXXX by XXXX Account XXXX about this bill for XXXX that I had paid on XX/XX/XXXX. So, even though XXXX has not has not send me a full account and billing statements I paid this disputed outstanding amount on XX/XX/XXXX the same exact day XXXX sent me to this collections agency. XXXX did not answer any questions, were deceptive, provided statements with no information explaining the bill owed and then sent this account for XXXX to collections ON THE SAME DAY I PAID DIRECTLY WITH XXXX. I have great credit and have " Y '' on everything single line item for decades yet XXXX is using deceptive and dishonest business practices, giving undue stress to customers while not substantiating the bill / monies supposedly owed. XXXX has been a horrible company to deal with and similar things have happened to other friends of ours where XXXX plays these deceptive and dishonest business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom It MaXXXX Concern, On XX/XX/XXXX, There was a collection account reported to credit bureau. This original credit account was opened in my name it is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau. 

To resolve the problem, I would like to demand that this fraudulent account and collection be removed from my credit report as it is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as identity theft. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/XXXX my US bank checking account was restricted after I received a XXXX loan from XXXX XXXX and I withdrew XXXX. I was told I would receive a cashier 's check within 60 days after account was closed. On XX/XX/XXXX I called and was told that the check was already in the mail and if I don't get by Friday call back. I called back on XX/XX/XXXX and discovered that was a lie when rep told me a check was never mailed out. Then a senior relationship manager told me that the funds were returned to the originator which was the second lie. I called XXXX XXXX and they said they never received any funds and for me to call back and get the check info US bank supposedly sent. After that call the US bank retail branch called me and said he actually had the funds in a general ledger and if I wasn't going to come to branch I would have to call US Bank XXXX to get a check issued. When I called they opened up a customer care unit request and I was told they would resolve within 3 business days but I never got a response. Then on XX/XX/2022 I called again and was told they refuse to send me my cashiers check unless I come to branch or do a virtual meeting. Even as I've received letters from the branch at the address on file saying a cashier 's check would be sent upon positive balance closure US branch continues to violate my rights and is withholding funds I have to pay back with interest to XXXX XXXX. Please have them mail my cashier check.

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 2022-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Convergent Outstanding does not have the right to report to the credit agencies false information. I do not owe {$73.00} to XXXX this fee was waived in XX/XX/XXXX as part of XXXX 's XXXX XXXX XXXX ordered by the Federal Communications Commission to Keep Americans Connected. This account was not opened on XX/XX/XXXX. Convergent advised that they has since ceased collection in their office. I still have not been provided with the validation letter Convergent Outstanding keeps saying they have validation but is never mailed one to me and did not advise me of my right to dispute. Convergent Outstanding advised that they would cease reporting to the credit bureaus is a forming of pursing collections.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: GA

Complaint narrative:
XXXX ACCUSED ME OF USING A 3RD PARTY TO WORK ON MY CREDIT REPORT. ANYONE THAT KNOWS ANYTHING ABOUT CREDIT REPORTING AGENCIES KNOWS THAT IN THE STATE OF GEORGIA THEY ARE ILLEGAL THUS NO CREDIT REPAIR COMPANY WILL TOUCH ANYONE LIVING IN GEORGIA. I CONSIDER THIS A DELAY TACTIC BY THE CREDITOR AS AN EXCUSE FOR NOT VALIDATING THE DEBT, PROVIDING ME WITH THE 1099C, OR NOT REMOVING THIS ACCOUNT WITHIN THE GUIDELINES OF THE LAW. I HAVE INCLUDED THE DISPUTE LETTER I USED WHICH REQUIRED ME TO HANDWRITE MY DATE OF BIRTH, SOCIAL SECURITY NUMBER, AND SIGN THE LETTER. ALONG WITH A BILL WITH MY ADDRESS AND A COPY OF MY DRIVERS LIC. KEEP IN MIND THAT THE SIGNATURE ON MY DRIVERS LIC MATCHES THE SIGNATURE ON THE LETTER.

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 2022-12-29 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: Grain Technology, Inc.
State: GA

Complaint narrative:
I signed up with Grain Technology in XXXX in hopes of building my credit and it has been a never ending nightmare with them. 

Initially my account went into delinquent status. The company only enables you to make a payment through a connect bank account. My bank account was disconnected and I was unable to make my on-time payments. This was the first issue that caused a snowball effect. I was never informed that my bank account was disconnected or why I could not reconnect it. When calling customer service they reroute you to contact support via email. When I send in a email with screenshots of my account and technical issues that prevents me from connecting my bank account, customer supports takes over 3-5 days to respond. 

The weeks were spent sending emails every other 4-5 days, and each time the company responds with one question with no resolution or attempts to rectify the situation. 

After weeks of fighting with customer support I receive an email to settle my account. I take this opportunity to make a one-time payment in attempts to settle my debts with this company. After not seeing the accurate amount being reported and the account closed, I continue to email support. Once again, I was caught with customer support debating a balance on my account which I had already settled ( email screenshots are located below ). Till this day they refuse to update my account accurately to reflect the payment despite the screenshots of payments and the credit bureaus reports. They have told me numerous of times that my account is being escalated and the bureau will update next month. I have been waiting over 4 months. This account is taking a major toll on my credit and I have made all necessary attempts to resolve this account. I have sent in screenshots of my payments, technical issues, credit bureaus reports and still have no resolution. The emails goes on and on and on as if the company is attempting to delay time. In their emails they also indicate apologies due to the delays in response. 

Selecting Grain Technology was the worst decision I ever made concerning a credit building or credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Cbna bank XX/XX/2022 i got a hard inquiry that i want deleted. 

By XXXX XX/XX/2022 i got a hard inquiry that i want deleted also. 

I say this because as you can see i have nothing on my credit report before that, because i never knew anything about it. I jus started working on my credit in august with credit lines i have on my account now thats the only thing i recognize. I gave No consent for those other inquirys

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 2022-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
While looking over my financed agreement I realize I was over charge and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: ERC
State: FL

Complaint narrative:
I disputed a debt with Enhanced Recovery Company for XXXX XXXX XXXX due to collection being past state of Mississippi statute of limitations for debt collection. 

I did not enter into a contract with them and they could not provide proof via the original signed contract agreement. 

Secondly they're engaging in illegal reporting practices. 

The original date of reporting was XX/XX/XXXX. The account was deleted from my report then added to my report and others again with a new date reporting XX/XX/XXXX. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 

XXXX Accounts or credit card agreements have a statute of limitations of 3 years from the date at which time the items on the account became due and payable ( XXXX XXXX & XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: FL

Complaint narrative:
I disputed a debt with XXXX XXXX XXXX for XXXX XXXX XXXX due to collection being past state of Mississippi statute of limitations for debt collection. 

I did not enter into a contract with them and they could not provide proof via the original signed contract agreement. 

Secondly they're engaging in illegal reporting practices. 

The original date of reporting was XX/XX/XXXX. The account was deleted from my report then added to my report and others again with a new date reporting XX/XX/XXXX. 

In Mississippi, Contracts, oral or written, and XXXX XXXX have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 

XXXX Accounts or credit card agreements have a statute of limitations of 3 years from the date at which time the items on the account became due and payable ( XXXX XXXX & 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 2022-12-29 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: FL

Complaint narrative:
Please have accounts blocked and removed, These accounts are a results of identity theft.

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 2022-12-29 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: FL

Complaint narrative:
Please have accounts blocked and removed, These accounts are a results of identity theft.

Company response to consumer: Closed with explanation