vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My PNC checking account ending in " XXXX '' was debited TWICE, once on XX/XX/XXXX and again on XX/XX/XXXX for {$1900.00}. The first auto transfer of XXXX IS NOT SCHEDULED and was linked to a old business account ending in " XXXX ''. PNC allowed our non-profit to link to personal accounts. Under the old " XXXX '', there was a $ XXXX monthly transfer scheduled to come out XX/XX/XXXX. That account was terminated by me and PNC informed me that all banking would cease including scheduled transfers. So I scheduled the {$1900.00} under ONLY my personal account for {$1900.00} to be withdrawn on the XXXX of each month. PNC did not remove/cancel the old transfer as I was told so there were two transfers, one illegal.. I contacted PNC customer service and left the conversation highly underwhelmed with NO RESOLUTION. I need answers for this not to happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I received a call on XX/XX/XXXX at XXXX XXXX from Patient Accounts Bureau regarding a bill from XXXX XXXX XXXX XXXX for the amount of {$150.00} The representative I spoke with hung up the phone in my face after I asked how could I help her. I called back and spoke with an XXXX, who was also very rude as I informed her that I did not owe the debt. Her response was why did I call back. ( This was on a recorded call ). I then called my insurance company ( XXXX ) and informed them of the phone call I had received from Patient Accounts Bureau. The representative from the insurance company asked for the number of the collection agency to which I received a call and called them at the number provided ( XXXX ). The representative from XXXX called while I was on the phone and advised the representative to cease all calls and communication as the bill was a provider write-off. The call was ended and and several days later I received letter in the mail stated that I owed the debt for the bill. I called Patient Accounts Bureau on XX/XX/XXXX and spoke with representative XXXX who informed me that {$150.00} was still owed. I asked her to read the notes, to which she stated that she was not aware of any notes on the account. I then ask to speak with a supervisor, to which I then spoke with Mr. XXXX. The call was disconnected I then called back and spoke with XXXX who advised that MrXXXX XXXX would return my call and needed a good contact number. I asked Ms. XXXX to send me a letter stating that I did not owe the debt, to which she stated " a letter ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2020 and numerous other occasions, PNC Bank has aggressively charged our business checking account overdraft fees of {$72.00} on XX/XX/2020, when as of XXXX yesterday XX/XX/2020 our account balance was {$8.00}, and we were charged the 2 overdraft fees this morning, yet there were no transactions that should have made the account go under the {$8.00}. PNC has done this on a continuous basis, and it seems that if the account balance is low, their computer systems are programmed to aggressively set up the opportunity to charge the overdraft fees. We have been charge upwards of {$1000.00} in overdraft fees, and we feel at this point it is because of their system. I reached out to retail escalation rep XXXX XXXX, who has offered to give some of previous funds back, but has failed to do so. At this point we are going to terminate our business relationship with PNC and are searching for an attorney to look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2019 I received an alert from XXXX   about my credit. I have had a freeze on all my credit. I logged in to find a new PayPal account ( I only have 2 credit cards and I pay them in full every month ). I immediately opened a dispute with XXXX  and I called the bank associated with the new account ( Synchrony Bank ). They claimed they had just purchased a bunch of PayPal accounts from another bank and there were some mistakes. They asked me for my billing address, it did not match the billing address for the account. They also asked me for my email address and it did not match what was on the account they then transferred me to the fraud dept. They opened a fraud case but said it would take 60 days. yesterday I received a letter saying they denied the fraud case for the following reasons : Account opened for more than 1 year with verifiable payment history ( Not true I have never sent payment as I never knew this account was even open ) Customer benefited from use of card ( not true I never received a card ) Synchrony Bank then opened a new line of credit for the identity thief using my social security number. Which they claim is within their rights.

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 2020-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
While speaking to a FedLoan customer service agent ( XXXX XXXX XXXX ) I

experienced several troubling issues. 1. The hold-time to speak to a customer  representative took over 35 minutes. This was the amount of time I had to wait just to SPEAK to someone about my account. After this very long initial hold time, the call took about another 30 minutes to tease-out information discrepancies I received from previous agents about the Public Service Student Loan Forgiveness program.

2. The agent ( XXXX XXXX XXXX   ) kept using ambiguous language while referring to qualification requirements about the student loan forgiveness program and WOULD NOT clarify when asked. She kept saying " we RECOMMEND that you submit the employment form annually so we can see your progress towards the loan. '' Student loan forgiveness program eligibility criteria are binary concepts. Criteria is either required or not required to advance in the payment forgiveness program so it goes beyond rational thinking why she would then say " its basically a play on words at this point. '' This whole call felt predatory at best and fraudulent at face-value. 

Not only did the agent refuse to clarify any language but was laughing and chuckling when I kept asking for clarification on enrollment eligibility that should not be made to sounds so ambiguous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Around the end of XXXX, TDBank placed a debit block on my checking account, preventing me from accessing my money. This resulted in at least one failed-payment fee at another institution, which was frustrating. I called TDBank, and they said they were " demarketing '' me, and they would close my account and send me a check for the {$2100.00} I had in there.

Fine. I opened and closed a lot of accounts with them, and if they don't want my business, that's their right. But this is a checking account! A XXXX account at an FDIC-insured bank! It has been a month and a half, and my account is still frozen and I can't get my money. No check has been sent to me. It's not like I'm waiting for a check to clear or there's some fraud issue ; I should have access to my own money. 

I've talked to the people at my local branch, and they want to help me, but there's a corporate office somewhere that's understaffed and not acting on this. The branch gave me a phone number for their " demarketing '' department, and that just goes to a voicemail that nobody returns. I WANT MY MONEY BACK!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I ( XXXX XXXX ) had co-signed for a car with my son ( XXXX XXXX, XXXX ),  can't remember when. 

I was contacted by XXXX XXXX back on XX/XX/XXXX. I agreed that I would start with a down payment of {$470.00} on XX/XX/XXXX, leaving XXXX payments of {$89.00} bi-weekly starting on XX/XX/XXXX until XX/XX/XXXX. You will notice that check numbers starting with XXXX for {$470.00} and then after started with check number XXXX for {$89.00} on XX/XX/XXXX until it continued XX/XX/XXXX with check XXXX. I started paying on my own XX/XX/XXXX until XX/XX/XXXX In XX/XX/XXXX my son still had on his credit report the vehicle with Capital One, so he filed for bankruptcy. Once Capital One was notified, XXXX XXXX stop taking direct payments out of my checking account. I did contact them and was told that Capital One took back the account that I had agreed to pay on and told me contact them. I call Capital One and was told I had to start over with new payments cause my agreement was no longer valid. 

I contacted my son lawyer and was told his bankruptcy had nothing to do with me and I should continue paying on my agreement. I explained they had stop taking the payment and he informed me send a check and I continued until the last payment on XX/XX/XXXX. 

I was trying to finance a vehicle and was told that Capital One is that high credit or limit is {$32000.00}. 

I have paid on my agreement and now they want me to pay more money, not fair. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear Manager ; This is my 3rd or 4th letters that Im sending to your company regarding your violations of the FDCPA for not properly validating the debt that you claimed I owe you. Your continued reporting of this debt onto my credit report shows your willful violations of law because of your lack of validation and verification. Because of this, I will file complaints with the XXXX, The Consumer Financial Protection Bureau, Attorney General, FTC, and/or any other regulators thats willing to help me.

Again, this is a violation of the FDCPA 807 [ 15 USC 1962e ], therefore, if you can not validate the deb to its entirety, you must request that all credit reporting agencies delete the entry immediately. 

As of the date of this letter, if the negative account listed above is not removed from my credit report within 15 days, I will be escalating this matter and file more complaints as necessary to the regulators as mentioned above. 

Please be advice that Im keeping a close record of every move your company takes. Simply sending me bunch of statements is not a true testament or validation of this debt according to the provisions of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
BANKAMERICARD Why was the minimum payment of {$53.00} ( XX/XX/XXXX ) increased to {$210.00} ( XX/XX/XXXX ) in one month with no corresponding increase in purchase/charges and with no explanation? 

BANKAMERICARD was contacted via chat with no relief offered or granted. 




Month/Year Minimum Payment Required PER BankAmerica XX/XX/XXXX {$58.00} XX/XX/XXXX {$57.00} XX/XX/XXXX {$56.00} XX/XX/XXXX {$56.00} XX/XX/XXXX {$56.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$53.00} XX/XX/XXXX {$53.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$270.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$310.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$410.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$610.00} XX/XX/XXXX {$680.00} XX/XX/XXXX {$730.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$870.00} XX/XX/XXXX {$940.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1100.00} XXXX {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
My Name is XXXX XXXX, XXXX. I spoke with XXXX XXXX at Southern Management XXXX XXXX about a debt owed from XXXX XXXX Apartments. After reviewing the lease contract he found that lease did not have my information on it. He told me he was going to correct the mistake and take it off my credit. 

I contacted him today because the debt is still showing on my credit. And XXXX told me he had no plans to remove it now. I know the phone calls are recorded. My phone number is XXXX. I spoke with XXXX before the week before XXXX XXXX and today XX/XX/XXXX. 

I need your help. i hear great things about this agency. Please feel free to contact me on my cell : XXXX or by email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion charged me {$1.00} so I could view my credit report. Then they billed me XXXX XXXX monthly for a service I did not want or need. It is completely deceptive. No one should ever have any dealings with TransUnion. They are dishonest company that is only trying to scam you out of your money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
In XX/XX/XXXX I made an incorrect payment use my XXXX XXXX online banking application, I paid an old credit card that was sold from Barclays - BARCLAYS BANK DELAWARE - CREDIT CARD. The payment was for {$1100.00}. When discovered the error worked with XXXX XXXX and XXXX XXXX sent proof of payment on XX/XX/XXXX - to XXXX XXXX XXXX. XXXX XXXX agent and I spoke to customer service who supplied the number and instructions for getting the payment traced and process. The Barclays representative stated it would take up to 25 business days. XXXX XXXX and I followed up on this a few times after the 25 business days. I with a XXXX XXXX representative escalated the situation on XX/XX/XXXX during a 2 hour session of being transferred and put on hold numerous times. Finally a manager XXXX XXXX XXXX said he would escalate and would also send an escalation email and was hoping for a two day turnaround but should be within 5 days and he saw they had everything they needed in XXXX. 

I called today and was put through to a manager who says nothing since XXXX was worked. Gave a new SLA of 10 days. 

This should be a very easy item to resolve especially with the proof of payment - this illustrates numerous control break downs, lack of knowledge for SLAs and processes and poor customer service - they refuse to call me or provide anything in writing - feel like I am dealing with criminals.

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 2020-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LendKey Technologies, Inc.
State: MA

Complaint narrative:
I had a student loan with Lendkey which was on deferment while i was exploring opportunities to refinance. In late XXXX Lendkey notified me that I had to make a payment before XX/XX/XXXX otherwise my I would be reported delinquent. I made the payment on XX/XX/XXXX and received a email notification the payment had been processed successfully. On Friday XX/XX/XXXX i received a call from the collection department form Lendkey, asking for a payment. I informed them the payment had already been processed. They told me I was still due. After requesting a manager on the phone i found out the person who processed the first payment had used my outdated bank account number. I immediately updated the information and made the payment. 
I do not believe Lend key made sufficient due diligence to let me know the first payment had not posted yet. Because of their email stating the payment was successful I had no reason to believe it had not posted as no one contacted me to let me know it had failed. I am asking Lendkey to reverse their negative reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had put a freeze on my Equifax credit report due to fraud I was given a pin to access my credit report or to temporarily lift the freeze I am not able to log in so I called the Equifax customer services to talk to someone who prior had ask me to send a copy of my ID and proof of address which I had done 3 times since all 3 times they claimed was never received. I even offered to give them my pin for my report but they would not accept a pin they gave me. To make a long story short Equifax is denying me of my credit report o line and a right to lift the freeze off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I took a loan in XX/XX/XXXX, and you report a payment in XX/XX/XXXX, but not XXXX, XXXX, and XX/XX/XXXX. You are reporting the loan at 20 % paid when it is in fact 60 % paid. I KNOW this to NOT be the fault of the Bank, My Bank is a Small Bank, Family Owned for 4 generations, and not affiliated with any other XXXX XXXX XXXX  Anywhere, We are a small close Family and I have ask the President about their Reporting Habits, His answer is, They report Monthly, So I want to know Why XXXX XXXX is Always 3 months behind on getting it on my Report,,,, You are Falsely Keeping My Credit Rating Below what it should be, and I would like it FIXED within 30 Days, A carbon Copy of this Letter will be sent to the Consumer Advocate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I purchased my home ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) in XXXX, XXXX for {$330000.00}. I remodeled the home and have a mortgage balance of {$300000.00}. The current market analysis values the home at {$390000.00}. Homes that are the exact same model as mine have sold in the last 90 days for amounts of XXXX and higher. The lender is requiring the home to appraise at {$410000.00} basing PMI off the purchase price. I have never been late with a payment. I would like this to be addressed with Dovenmuele Mortgage XXXX. The purpose of PMI, as I understand it, is to insure the lender should a foreclosure be necessary up until 80-20 is met. I am well beyond 80-20 and seek assistance. 

Anything you can do to help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: IL

Complaint narrative:
Examined my credit profile and noticed this account not sure as to the nature of this but this account named as ENHANCED RECOVERY CO is not mine. 
Amounts totaling : Alleged Debt # {$740.00} ACCT # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
Hello Im seeing that i have a XXXX account in my name someone used my information too get cell phones and i been trying too dispute since it happen i havent had any luck its dragging my credit down and i wan na try and get it taken off as soon as possible

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