vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank lost my Stimulus Check. On XX/XX/2021, I received my {$2400.00} stimulus check. I signed the back and so did my husband, since his name is on the check. I deposited the check at my branch through the ATM machine. The next morning, I checked my account & seen the check was deducted out of my account. I called the bank and they told me since my husband 's name wasn't on the account, I couldn't deposit the check without him being present to show his ID. We live really close and I told them, e & my husband would come to show our ID. I was told by the banker, that PNC would mail me the check & they no longer had the check at the branch. I called the PNC 1800 number a couple days later and was told the check could take 2 weeks to get to me, but it was mailed out. They stated there wasn't a tracking a number on the check. I think with an amount of a check over a XXXXXXXX dollars, they should have a tracking number. Well, a month goes by and still no check. I decided to go to the branch. I went to the branch and talked to a banker. He checked my account and seen when the check was deposited and then taking out. He told me the check was mailed out the next day. He called the 1800 number to confirm everything and once again I was told the check was mailed out. I then was told to contact the IRS. I contacted the IRS and was told, since the check was already endorsed there is nothing they can do about it. PNC lost my check and basically is telling me too, they can't do nothing about it! Why wouldn't PNC but a tracking number on a check over a XXXX dollars? Now, I'm XXXX and don't know what to do. I'm starting to think someone in that bank took my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: SC

Complaint narrative:
I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Equifax from my previous complaints filed here and sent through certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Wells Fargo indicting that they had lowered my credit limit by almost XXXX. The reason given was false. I have had this account for over 10 years receiving multiple credit limit increases. The card limit was decreased during a time where my credit score increased significantly. My Wells Fargo account payment history, usage, and credit history has only gotten better over the past 24 months and most recently. I always pay more than the amount due and pay on time. It's my understanding that Wells Fargo is providing assistance to customers during this pandemic so even if a payment was recently made late ( I have not made any recent late payment ) why would Wells Fargo wait until now to decrease my limit? I believe that this action is unwarranted and discriminatory.

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 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/2021 - received a Chime VISA debit card that I did not apply for. Card arrived via USPS only needing activation. I did not activate the card and attempted to contact Chime via phone, without success. I could not reach an employee, only automated messages. Prompts kept asking me to activate the card which I did not do.

I attempted to contact Chime via multiple emails, asking the account to be removed, but they would not call me and would not take any action without me providing personal information ( 4 of SSN and photo ID ) which I refused to do.

I assume this is a fraudulent application in my name resulting in a VISA debit card, which I did not request nor apply for, being mailed to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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:
I have requested items on my credit report be validated because there is information on my credit report that is inaccurate, there is identity theft. My credit report by law should have 100 % accurate and verified information and right now it does not. I'm asking these items to validate or remove from my credit report, which is the law. 

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 2021-03-09 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: GA

Complaint narrative:
My previous account with XXXX XXXX XXXX was never delinquent and Satisfactorily Paid In Full. But Experian sees it fit to Status report it otherwise, impeding my ability to obtain any measurable credit and every attempts I've made to secure credit, including a mortgage for home purchase lately has been marred by their incorrect/inappropriate remarks which has caused my credit rating to suffer quite significantly over the past two weeks. 

Experian must remove their bogus, negative remarks and adjust as Satisfactorily Paid In Full with immediate effect. 

Sincerely! 

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 explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XXXX I sent the company CITI Certified mail asking for validation of debt pursuant to 15 USC 16g2g.

To this date I have not received any validation documents and the Company " CITI CARDS/CITIBANK " and to date I have been adversely affected by the actions for they continued reporting invalidated information to the 3 major credit bureaus ( XXXX, XXXX, or XXXX ). 

On XXXX I also sent the Company " CITI CARDS/CITIBANK " a CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) notifying them in writing that I refuse to this alleged debt, and I am demanding that you cease all forms of communication with me through all mediums. To this date the communication has not ceased.

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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Reported fraudulent charges, they have been working on the case for 3 months now. Didnt provide any updates, I provided all the information they needed. They now say after 3 months when I called them that they cant dispute and reversing the credit they gave me. I filed this within the proper time span and provided all the information regarding the claim XXXX. These were not allowed by me and not approved.

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 2021-03-09 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
The company offered a discount payoff with the removal of a negative account from my credit report. I made the agreed offer, and they didn't remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: OR

Complaint narrative:
On XX/XX/2021, morning of I checked my account online my phone app. Shocked as there were 206 transactions unauthorized by XXXX TEST, INTERNET, CA, USA ). AND ( XXXX * Test, XXXX, CA, USA. ) XXXX #, CA, USA. AS WELL AS ( XXXX Test, XXXX XXXX, CA, USA These charges were unauthorized and had taken {$240.00} out of my Account in which was part of the second stimulus $ received. They took every bit of my money i had to live on until the XXXX of XX/XX/2021. These Unauthorized Transactions Date on XX/XX/2021. they started and commenced at XXXX ended XXXX.. XXXX transactions in the amount of {$1.00} Each = {$160.00}. - XXXX transactions in the amount of {$1.00} Each = {$77.00} Total Loss {$240.00}. I did report and called Direct Express as soon as i seen my account money gone. He canceled my Debit Card. Issued a new card by mail in which i did not Receive until 11 days later. He took my information then read it back to me. I corrected him as he stated 120 unauthorized charges. I repeated to him that was not the right calculations. Informed him of the correct amount twice. I received the Paperwork 7 seven days later. He still had the amount incorrect. As soon as I received the papers I Crossed out the Wrong Amount and put the Correct amount beside it. And explained this was not the correct amount. I sent the papers back the same day. On XX/XX/2021 i noticed a credit Adjustment to my Account in the Amount 4 XXXX. I then called Direct Express to inform them this was not the correct calculations and still due me the remainder of {$120.00} back to my Account. I have called Repeatedly waited on hold for hours, then when someone answered. I explain it over again, One of the Representatives even went as far to tell me of the college degrees she has, also she would not be working there if she did'nt have the knowledge. I took that as a major Assault on my Dignity. The last time I spoke with with Direct Express I still have not Received. Since they have Closed my Dispute. I am So very confused of there mentality, And disregards of this matter. I Have not Received any letters of the conclusion and Investigation Process. I Fully Believe there investigation was not fully done correctly. They would have seen there error s. all starting from the beginning of this investigation. Did they not read my unauthorized Transactions paper work I corrected, Filled out with a total explaination. I Truly Pray this will finally have a Positive input, As they need to Correct all the mistakes they have made. And Award me the Credit Back as Due, And taken from me. All the Stress, of it all. Not Right. I AM ASKING YOU TO DO YOUR JOB RIGHT, I PRAY THIS HAPPENS, I HATE TO THINK OF THIS HAPPENING TO SOME OTHER VICTIM. I AM SURE I AM NOT THE ONLY ONE THAT HAS HAD TO FIGHT FOR WHAT IS RIGHTFULLY THERES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 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: NY

Complaint narrative:
I recently filed a complaint stating that there were inaccurate data being reported by the bureaus. They claimed it was verified. I requested that proof be provided from the bureaus showing their method of verification as well as any evidence to support this claim. I never received anything. I have attached copies of recent credit reports showing different information being reported between two bureaus for the same account. This is a blatant violation and proof that the information was not verified. I have given more than the time allowed by FCRA laws and will sue if I am left with no other alternative. This must be updated per my request to remove the late payments and reflect paid as agreed immediately.

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 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: FL

Complaint narrative:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by D & A Services , LLC of IL. D & A Services , LLC of IL has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to D & A Services , LLC of IL. They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: LoanCare, LLC
State: CA

Complaint narrative:
I tried several times to call and speak with LoanCare regarding LoanCare inaccurately reporting our account number XXXX as late by 90 days in XXXX. I finally got connected to a lady name XXXX, who provided me with an email address to deal with the credit reporting error. On XX/XX/XXXX, I received an email indicating a ticket number that they had assigned our account to LoanCare 's Loss Mitigation Team for review and resolution, but I have heard nothing since.

Meanwhile, we are moving and our mortgage loan approval and interest rate are being affected by this errant reporting. Below is background information regarding this inaccurate credit reporting by LoanCare as detailed in my email to LoanCare : Due to the pandemic, we applied for and were approved for a 90 day payment forbearance ( see attached letter dated XX/XX/XXXX from LoanCare approving the forbearance Confirmation number XXXX ) Due the continued unknown future of the pandemic and the Stay at Home Order, we could not rent the subject property collateralizing this loan, so we called and were provided with a 90 day extension through XX/XX/XXXX. ( See attached letter dated XX/XX/XXXX and out handwritten notes on the letter - Confirmation number XXXX ) On or about XX/XX/XXXX, I noticed through my XXXX and XXXX accounts that my credit score had gone down by about 50 points. I researched the matter and found that LoanCare had reported the subject loan as delinquent 90 days. I called LoanCare and spoke with a lady that said LoanCare did not report us delinquent and that I had to go to the credit reporting agency for resolution. I contacted XXXX, and after a few weeks, they sent a report indicating that the issue had been resolved, and my XXXX and XXXX credit scores are now both back around XXXX. ( See attached letter from XXXX  dated XX/XX/XXXX ) I am now applying for a loan to purchase a new home and my mortgage company informed me that LoanCare is still showing my loan as 90 days past due ( See attached credit report, page 3 ).

Please note that the subject loan was never past due and was paid in full through sale of the property on XX/XX/XXXX. Coincidentally, that is the date that LoanCare reported our loan as 90 days past due. We never received any past due notices.

My wife and I have never been past due on any payments in our lives, and this is affecting our credit availability.

LoanCare is not being responsive. There customer service phone number is ( XXXX ) XXXX. Please help!

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 2021-03-09 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
There is an account for Barclays reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX. it wasn't until I applied for a USDA loan a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open 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 2021-03-09 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: NY

Complaint narrative:
I recently filed a complaint stating that there were inaccurate data being reported by the bureaus. They claimed it was verified. I requested that proof be provided from the bureaus showing their method of verification as well as any evidence to support this claim. I never received anything. I have attached copies of recent credit reports showing different information being reported between two bureaus for the same account. This is a blatant violation and proof that the information was not verified. I have given more than the time allowed by FCRA laws and will sue if I am left with no other alternative. This must be updated per my request to remove the late payments and reflect paid as agreed immediately.

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 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by XXXX XXXX XXXX XXXX XXXX XXXX of IL. XXXX XXXX XXXX XXXX XXXX XXXX of IL has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to XXXX XXXX XXXX XXXX XXXX XXXX of IL. They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/XXXX XXXX : Synchrony Bank Banana Republic XXXX XXXX account closure Dear Ms. XXXX, I am writing to express my disappointment and displeasure with Synchrony Bank. Imagine my surprise when I called to discuss a payment that had not been received yet, due to delivery issues that the USPS has been experiencing, and I discovered that my Banana Republic Visa Card account had been closed. I then received the letter included in this mailing. I find it extremely unbelievable that my account was closed for high risk of failure to pay. I have had this account since XXXX. I make {$140000.00} a year. I have never been late with a payment ( except with the above-mentioned issue due to USPS problems ) and pay my bill off in full every month. 

I have to wonder if my closing my account was punitive because : 1. I pay my bill off in full every month 2. I have rewards totaling around {$200.00} 3. I havent used the card as much over the past few months What happens to all of the rewards that I have accumulated? Do I lose them since the account was closed through no fault of my own? I have always had excellent credit. I want a guarantee that Synchrony Bank closing my account will not negatively impact my credit. 

Due to the above issue with the USPS and the XXXX payment not being received on time, I paid {$600.00} over the phone and then a week later Synchrony Bank received my check that was delayed due to the USPS problems. The check was cashed. I want to know how and when this will be refunded. 

I need to reiterate how annoyed I am with how unprofessional I find your company and will be lodging complaints with the Consumer Financial Protection Bureau and the 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 monetary relief