vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
We have a HELOC loan that originated with Compass Bank. Compass Bank was bought by BBVA and then BBVA was bought by PNC. 

When PNC took over the loan in XX/XX/XXXX, I started getting bills on my statement for Past Fees. I called to inquire about these fees and their customer service rep said they did not see any fees on their end and that it was most likely an issue when they took over the loans and that they should be cleared up. 

They continued to show on the next statements for XXXX and XXXX. I called two more times and was told the same thing, that they would go away after they fixed the account. 

When they didn't go away, I sent a letter requesting that my account be fixed. They responded by escalating it to another department who sent me a ledger from XX/XX/XXXX when the loan originated. This ledger showed fees in the amount that they billed me, but these were fees that were paid when the loan was started. The ledger even says, " Charges Paid In Cash ''. 

I have asked that they reimburse me for these charges since they were already paid alost 10 years ago, but they refuse. 

I don't think it's fair that PNC began charging me for these fees when they took over the loan without explaining to me what these charges were. If these were charges I owed to Compass/BBVA, it would make sense that they would have charged me for them during the 10 years that I've been paying on this loan. It is not fair for a new company to charge for fees that were already paid almost 10 years ago. 

Additionally, I always pay {$600.00} a month on this loan. The required payment is always the interest on the loan which fluctuates between $ XXXX {$250.00}. The extra amount has always been applied to the principal. 

I'm showing that I've paid over {$1200.00} since PNC took over the loan, but it is showing as being paid to Other rather than the Principal. {$600.00} plus was paid for these fees. I've asked that the other {$500.00} plus be applied to the principal. They say that it has, but it does not show as applied to principal, it shows under other. They say they can not fix this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please investigate this account. This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to 0 or eliminate the item certainly. 
XXXX XXXX ***** Opened Date XX/XX/2015 Balance {$1500.00} XXXX XXXX ***** Opened Date XX/XX/2015 Balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received an XXXX XXXX  and XXXX XXXX XXXX for my business in XXXX XXXX, and spent the money, now ( XXXX XXXX, XXXX ) Capital One has placed a hold and demanded verification which I provided, yet they continue to hold indefinitely while they " review '' my account. They are not federal law enforcement last I checked and I can not run my life while they seized my money unlawfully. Calls have gotten me nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I called the transunion credit bureau and spoke with XXXX who is a supervisor for the company. I informed him that I would like to dispute several hard inquiries on my report and that I would like an investigation to be initiated. He told me that I wasn't able to dispute hard inquiries with transunion unless I had a deletion letter from the creditor. I informed him that according to the FCRA guidelines any information can be disputed and must be investigated. I also informed him that i didn't believe that the creditors had permissible purpose to access my credit file and i wanted them to prove that they had my expressed consent to do so. I believe that transunion isn't properly adhering to the FCRA guidelines and are engaging in deceptive practices.

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 2022-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX- received letter in the mail advising refinance documents were incomplete. 
XX/XX/XXXX - Called Chase Auto Services and explained I just refinanced and they should have all the information they're looking for, Chase rep advised to 'not worry ' and don't send the paper work. 
XX/XX/XXXX- never received registration renewal for my vehicle as chase submitted a sold notice on it. 
XX/XX/XXXX - Called chase, got the paperwork they needed via email and sent it off. 
XX/XX/XXXX - Renewed my vehicle. 
XX/XX/XXXX - Called chase about the issue as it has still not been resolved, they advised they have not received the paper work and sent me new paper work via XXXX  I never up sending this paperwork. 
XX/XX/XXXX- {$210.00} charged for Tax title fees, I called Chase and they advised they received the paper work and the title has been updated. 
XX/XX/XXXX - Charged {$320.00} for Tax Title Fees. Chase explained that I 'needed to go talk to a tax professional about taxes ' and refused to assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have XXXX credit cards with Capital One. The cards are not showing up on the credit report as accurate. One of the cards is not showing up at all. And I am really trying to improve my credit score. The first card has had the wrong balance on the credit report for over 2 months!!!! And the second cars is not showing up at all!! 

They can not get away with the wrong information sent or not sent to all XXXX credit reporting agencies. 

I want this fixed NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Evaluate this reporting by making a revision of the information provided. There is an existing balance on theaccount, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file.

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 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have a complaint open again Resurgent Capital Services for trying to collect on a fraudulent debt. This is a follow up, that I contacted XXXX, XXXX and they are unable to locate any accounts with my name and social security number. I have a letter stating that no such account was found. This is to inform and advise Resurgent Capital Services to cease any further attempts to collect on any such debt that they believe I owe through the original creditor XXXX, XXXX. Included in this follow up complaint is the letter received by me from XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Reported by Experian, XXXX, and XXXX, I have numerous old student loans that should have been removed from account going back to 1995. I still have an old student loan on my credit report even though all of my loans were forgiven through the XXXX discharge program which Biden approved. My loans are being turned over to other account holders, and credit bureaus continue to resubmit them as if they are still active, closed, transferred, and delinquent. This is harming my credit score and have been for years. These loans should have been removed, but because they sell off to another account holder, the credit bureau engages in unfair reporting by renewing the date, thus adding it back onto my report. I have already contacted the credit bureau, and they refuse to delete these items. I also checked and they are still reporting old information about the discharges, and have not removed all of my loans. I recently received a XXXX point reduction because the credit bureau reported an electric bill as owed. The credit bureau is engaging in unfair practices buy relisting old debts that are paid, and i request them to remove them, and still they do not. Debts that were resolved, are still appearing on my report. I would like to have this investigated, and if possible look into if I can sue the credit bureau.

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 2022-01-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a XXXX violation complaint with XXXX Department for. 
XXXX  XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX  Account number XXXX. 
I am continuing to receive harassing calls and questioning about my medical issue. This is a XXXX privacy violation as I have not authorized the release. Please see original complaint to XXXX against Experian and XXXX. Please direct them to investigate or remove this account from my report. Here is XXXX complaint Receipt Number : XXXX. 

XXXX HAS CORRECTED IT MISTAKE SO WHY HAVE THE OTHER 2 CREDIT BUREAU?

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 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Wednesday, XX/XX/2022, I called Capital One in regards to a payment made on my account for my XXXX XXXX. I had made the payment a day earlier so that the funds on my card would be available so that I could make a payment on account that I was trying to avoid issues with, ( I am recovering from XXXX so my accounts have gotten behind. ) The first agent I spoke with, XXXX ( ID : XXXX ) assured me that he could release the funds on my card immediately after going through certain questions. After several minutes he advised he was having issues and needed another agent to assist. I was then transferred to XXXX ( ID : XXXX ) who promised the same thing that she could release the funds we just needed to call my Bank to ensure that the funds were there and the payment would clear. XXXX XXXX  XXXX confirmed the information with both of us on the line that the payment would clear the account and the account is active. After several minutes of putting me on hold, she also claimed to have issues but assured it could be done and blind transferred me to a senior supervisor ( as I was told ) by the name of XXXX ( ID : XXXX ) she abruptly told me it could not be done, there is no way to do so, no explanation except that they were awaiting the funds to clear. I explained to her my situation and and what I was promised and assured by the prior 2 representatives and the financial hardship that I would further endure. She offered no options, she lacked professionalism in the situation and refused to provide me documentation stating what I was advised and that it couldnt be done so that I could at least supply my creditors ( financial situation ) with documentation to see if any exception could be made on pending fees and liens. I asked if there was a manager or any higher ups who I could speak with since she declined what I needed nor provided assistance and she told me she would be the only person I could talk to and no one else could assist. This is unethical and honestly I believe to be illegal for a company to have agents promise, guarantee or assure a customer something can be done and then refuse to do it with out explanation or documentation to support the reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
While shopping at XXXX on XX/XX/24 I was asked if I wanted to apply for their *rewards program*. Assuming this was like the rewards programs at grocery stores I figured it couldnt hurt. The lady working the register asked for my ID, punched in my info registering me for the rewards program and then asked me to sign the pad. After which she informed me that my credit card would come in the mail. At no point did she tell me she was actually applying for a credit card instead. At this point I told her I did not agree to open a credit card, and she basically said " Its done now ''. The lady next to me in line was going through the exact same thing with her checkout associate. Its clear that the store was using misleading language to sign people up for credit cards they did not agree to be applied for. I then spoke to the manager who also told me basically that its done and theres nothing they can do. My credit has been harmed by a credit pull that serves no value on a credit card that I do not plan to ever activate and had no intention of ever using. This will prevent me from leveraging my credit in an optimal way in the future.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
At this time XXXX XXXX heath services and has sold my information and by fraudulently obtaining and misrepresenting the use of my information. And selling my information to XXXX  XXXX  XXXX  both obtained and used gain monetary value, securitzation, etc. to report without my consent. Where is the WRITTEN CONSENT given or PERMISSIBLE PURPOSE to furnish any report on my consumer report : After 30 days Experian and with PROOF of XXXX XXXX XXXX has requested for the information to be removed. None of these companies has not either provided any tangible evidence or certified mailing proof of my WRITTEN CONSENT TO furnish anything on my report. Pursuant to 15 USC 1681 B and federal rights as a consumer. Data breaches pursuant to 15 USC 1692 ( a ) ( e ) are also violations inflicted on my consumer life.

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 2022-01-21 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
1. On XXXX XX/XX/2022, I received a letter through the XXXX from a company identifying itself as NCB Management Services Inc . The letter claimed they were acting as a debt collector for a loan issued through XXXX XXXX, c/o XXXX XXXXt ( two banks I had never heard of nor have ever had any business dealings or accounts ) and were demanding payment of a -supposed- {$3900.00} debt. By the time I saw the letter it was too late in the day to call this company, so I waited until the next morning. 
( NOTE : The day before, I had received a disclosure letter from NCB that outlined their policies on collecting consumer info, etc. Since I had no idea what this was about, I had set it aside. ) 2. On XXXX XX/XX/2022, I called the number for NCB Mgmt. Serv. Inc. I spoke to one staffer, explaining the debt could not possibly be mine. I was then transferred to a woman identifying herself as " XXXX XXXX '' and claiming she was a supervisor. She insisted NCB had purchased the debt from XXXX XXXX, our phone conversation was being recorded and she wanted " to help me settle this debt ''. I informed her " they would not get a penny from me, because it wasn't my debt '' and promised I would get this resolved. 
3. After an online search, I obtained a phone number for XXXX XXXX  ( in Utah - I live and work in a different part of the country ). That staffer confirmed I did not have any loan connected with their bank and gave me a phone number for XXXX XXXX 
4. I then called XXXX XXXX  and spoke to a staffer there, who checked the info I gave her from the letter. She spent several minutes in this task. Then, she recommended I contact identitytheft.gov ( which led me to this site ). 
5. Next, I called the 2 local banks where I had applied for the PPP grants for my business ( and both those grants were approved for Loan Forgiveness ). One of the bank managers did some additional checking with their fraud department and she informed me this was a scam - instigated by people using the publicly available data on the PPP loan recipients to coerce those recipients to believe they still owed money to the PPP Loan program.

6. I was advised to put a freeze on my credit reports ( done ), and am now contacting this agency with my experience.

7. Initially, I was planning to respond to the NCB letter, but have now decided to ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I filed a HIPPA violation complaint with XXXX XXXX  for. 
XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX. 
I am continuing to receive harassing calls and questioning about my medical issue. This is a HIPPA privacy violation as I have not authorized the release. Please see original complaint to XXXX against XXXX and Equifax. Please direct them to investigate or remove this account from my report. Here is XXXX complaint Receipt Number : XXXX. 

XXXX HAS CORRECTED IT MISTAKE SO WHY HAVE THE OTHER 2 CREDIT BUREAU?

Company response to consumer: Closed with explanation