vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was paid off with Gap insurance and auto insurance coverage. Company reporting inaccuracy of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Trying to use XXXX but Pnc wont link accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am unable to link my bank account to XXXX  and am unable to purchase digital currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
The Debt is over 10 years old. However, the collection agency is stating that I made a payment back in 2016 which they say restarted the time frame that the debt can reflect on my credit. This is definitely inaccurate information. I have requested proof of this payment on numerous occasions and have yet to receive this. The credit report has zero information on when the last payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Hello. 

Trying to link my PNC card to XXXX investing account. Pnc won't allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The Debt is over 10 years old. However, the collection agency is stating that I made a payment back in 2016 which they say restarted the time frame that the debt can reflect on my credit. This is definitely inaccurate information. I have requested proof of this payment on numerous occasions and have yet to receive this. The credit report has zero information on when the last payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Opened Bank of America secured card in branch XX/XX/XXXX and put down {$99.00} deposit ; was told by employee opening account that the deposit would be returned and the account would become unsecured no later than XX/XX/XXXX. Account has since remained secured and deposit had yet to be returned to me. Despite multiple attempts to get the issue resolved ( including in person at branch, via the app, and over the phone ), customer service continues to tell me theres nothing that can be done.

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 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
Account was opened on XX/XX/2020 but I do not know what account was opened as nothing is shown on my credit cards or in email. There is no number for amount past due. The initial balance went from XXXX to XXXX with no indication of last payment as XXXX I dictated there was no payment made. I received an email today XX/XX/XXXX that I just opened the account without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I.C systems sent me a notice regarding a XXXX  bill which I am not financially responsible for. 
I sent a letter requesting for billing information showing that the bill is mine. 
I.C systems never sent the letter. 
Instead I.C systems fraudulently placed a collection on my credit reports in violation of fcra laws.

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 2020-04-28 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Good morning, In the month of XXXX I logged into my credit card account with Citibank. 

I noticed that I had a hyperlinked message. 

When I clicked on the message it told me that my XXXX payment had not been made and I was charged a late fee. 

Perplexed because I know that up until XXXX autopay was working and payment was being drafted from my bank to to pay my monthly bill. 

On Friday, XX/XX/2020 I jumped on chat and waited 1.5hrs to chat with a representative. 

To my surprise I was told by the representative from Citibank via chat that the payment was canceled by " me '' via email. 

Knowing that I never requested to cancel my autopay I pressed the representative for further explanation. 

When I pressed him to produce the document or communication that " I '' canceled my own autopay he told me that he couldn't send me documentation only that the system was showing I requested to stop my autopay. 

I want the late fee waived and I want answers how this happened.

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 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Leap Credit, LLC
State: WI

Complaint narrative:
the loan was paid off in XXXX and they just took {$1500.00} from my bank acct and the loan was paid the need to be

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: AZ

Complaint narrative:
ON XX/XX/XXXX 2 DUPICATE MEDICAL COLLECTIONS POP ON MY CREDIT REPORT AND I GET ALERTED ABOUT A CHANGE ON MY CREDIT REPORT SO I INVESTGATE. MY SCORES DROPPED ALMOST 200 POINTS IN A SHORT TIME.. I CALL DEPT RECOVERY SOLUTIONS IN NEW YORK, THEY SAY THERES NOTHING. WAIT HOLD FOR A MIN THEN THEY HANG UP .I CALL AGAIN AND SAME GUY I TALK TO .I TELL HIM WE GOT DISCONNECTED. AND HE LIES AND SAYS WASNT HIM LOL. I M NOT DEAF CLEARLY SAME GUY AND SAME JOKING I HEARD IN BACK GROUND. SO HE SAY HOLD ON AND CLICK HANGS UP. I CALL FOR THE 3RD TIME AND SAME GUY. AND SAYS THERES NOTHING IN SYSTEM MR XXXX. I SAID THATS NOT MY NAME AND SAID MY NAME .THEN HE ASKED FOR SS # AND DOB I LAUGHED I SAID HOW ABOUT I GIVE YOU ACCOUNT # THAT I DONT GIVE THAT PERSONAL INFO OUT. AND HE SAID HOLD AND CLICK HUNG UP. I CALLED BACK AND GOT A RECORDING THEY WERE CLOSED FOR THE DAY CALL BACK DURING BUISNESS HOURS. AND THIS SCAMMER MANAGED TO GET FALSE DATA FROM PAST OLD DATA AND REHASHED DATA AND GOT IT ON MY CREDIT REPORTS AS A PAST MEDICAL COLLECTION DEPT. THAT DATES DONT JIVE. GON NA BE REMOVED ON XX/XX/XXXX AND JUST APPEARED ON MY CREDIT REPORTS ON XX/XX/XXXX AND I HAVE NO PRIOR BILLS OR KNOWLEGE OF THEM. AND CREDIT RPORTING BUREAUS ARE NOT ABIDING BY THE LAWS AND CONTROLLING WHAT I CAN DISPUTE WHEN I CAN DISPUTE WHAT I CAN SAY IN THE DISPUTE. LIMITING MY WORDS IN A DISPUTE. FORCE SELECTED STATEMENTS THEY WROTE UP IN MY DISPUTES.. AND NOT PROVIDING ANY INVESTIGATION DOCUMENTS TO THE COMSUMER AND THATS XXXX XXXX / XXXX  .WHICH ARE THE WORST AND MOST CORRUPT.. XXXX  NOT TO FAR BEHIND. IM WONDERING IF THIS IS RETALIATION FROM A PAST COMPLAINT I DID AGAINST THEM? THEY NEED TO REALLY INVESTIGATE THE 3 REPORTING AGENCYS .I XXXX  MY  CONCERN AND IM NOT ALONE. THERS LAWS BROKEN BIG TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: PA

Complaint narrative:
In XX/XX/2020, with the beginning of the epidemic, I knew that I would not be able to make the minimum payment of {$84.00} required due to unemployment. I had a auto pay set up and cancelled the autopayment immediately to avoid added fees or penalties until I could determine how to get a payment to them. 

On XX/XX/2020 - an auto payment in the amount of {$160.00} was sent through to my PNC bank account without authorization. When I checked the account in hopes of stimulus check, I saw this debit was issued. 

I went back online to the credit card site to verify that i had cancelled as I thought I had made a mistake. I hadnt made a mistake. There aren't any scheduled payments listed. 

I contacted the credit card company and they told me that I didn't do it right when I cancelled the auto payments. I told them thats incorrect and I have a screen shot that I can send to them showing them that the online system gave me an error code and that a transaction to cancel an auto pay could not be done as there wasn't one scheduled to begin with. I told them that they sent through a payment that was not authorized by me and to reverse the payment. I was told that because I was delinquent they would put the request in but it could be denied in three days and I would have to wait. 

In the meantime, my account is overdrawn and the {$19.00} I had in the account is gone and I will be facing penalties by my bank. 

XXXX XXXX Credit Card company submitted an UNAUTHORIZED payment to my bank.

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 2020-04-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I applied for Pa. UC on XX/XX/2020 and was accepted and payments were started for my account, I can check the payments and see they are paid to " US Bank ReliaCard XXXX but they have fail to send me the required Debit card so I can access the funds that are being paid on my behalf, I have called the phone numbers provided several times each day and spent as much as 4 hours on hold with no one ever answering the phone, from what I have read the debit card should have been issued about 10 days after the first payment was made, as of the writing of this letter it has been 44 days, for this amount of time I have had no income even though the funds are available for me but for the lack of US Bank not sending the required Debit Card. I am becoming desperate to try and live with no income because it is held by someone who was suppose to have released access to the funds, anything you can do to help would be great. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I had pushed a loan payment back to the end of the loan at the end of 2019. My XX/XX/2019 statement reflected the pushed back payment as well as the change in due date. I had moved the due date back 11 days from the XXXX of the month to the XXXX. The amount due stated on the bill I received on my XX/XX/XXXX statement reflected that one payment was due. I pay the payment in XXXX before the next due date. For some reason it showed that another payment had been placed on my account in XXXX. During several attempts to have the issue resolved by Santander I was told that the deferred payment was mistakenly placed in XXXX instead of the back of the loan. I was told on several occasions that the issue would be fixed. I have disputed the inaccuracy twice through my credit reporting agency and both times it has not been corrected. The late payment on my credit report caused my credit score to drop multiple points. I am in the process of trying to buy a home and it has greatly impacted that. My account has yet to be corrected and my credit report still reflects a 30 day late payment for the month of XXXX. Each time I reach out to them I am told my complaint is being sent to a different department for review and that I should call back in a few days to check to see if the issue has been resolved. Each time I call back the issue has not been resolved and I am told the same thing and to call back and check on the status in a few days. I have never been given any resolve on the issue and nothing has been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank obtained my credit report without my authorization pulling a Hard Inquiry on XX/XX/2019. I do not have an account with Comenity Bank therefore Comenity Bank has no reason or authorization to run a Hard Inquiry for credit offers, other than a soft inquiry in violation of the FCRA section 604 ( a ) ( 3 ) ( f ). Comenity Bank must immediately Notify XXXX XXXX Credit Agency, XXXX, XXXX  and XXXX  to remove the inquiry. Failure to provide me with a copy of a credit application with my signature constitutes an invalid Hard Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Waiting on my insurance check to be signed by Shellpoint Servicing. I have already filed a complaint but now they are stating in a letter to my lawyer the re-issued check has not been received and they checked on this on the XX/XX/XXXX. I sent it certified and was notified by USPS that the check was delivered and signed for on the XXXX of XXXX. I called the Loss Draft Dept and was told the check in there and being reviewed. All i need is this check signed so i can cash it and pay the contractor. This is making ill. I have XXXX XXXX and it is making me not able to sleep and worried. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Subject : PPP application not been reviewed by Bank of America I filed for Paycheck Protection Program around XX/XX/2020 and Bank of America ( SBA Lender ) didnt review my documents until XX/XX/2020. By this time SBA has stopped accepting PPP applications for approval. On XX/XX/2020, I was informed that my documents were not complete. As of today it has been a week and my documents have still not reviewed. Bank of America is running out the clock for second time on my PPP application. 

Request Kindly assist in compliance with CARES ACT and review the documents for submission to SBA for approval.

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 2020-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
I have told this company on several occasions I do not owe this debt and it was paid. They are not the rightful owners. I never received anything regarding this matter until 7 years later when it showed up on my credit. The company keeps going in circle when I tell them to show me proof I owe this debt. The original owner have sold this account to several different third parties but no XXXX can show proof the own this debt and sign any agreement to owing this debt. The company is a fraud and have had several lawsuit against them because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: NE

Complaint narrative:
Experian and Nebraska child has on my report as a charge off I child support was paid in full you can't charge off child support Experian saying they don't see it but its right there and I was denied credit because of it the charge off just showed up in last three months you can't charge off child support it was paid in full but they are reporting it as a charge off but also paid in full

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 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have received 4 deposits from unemployment and. i have been calling since XX/XX/XXXX to get a replacement card and there is no answe with us bank relia card. I have been on hold more than 15 times for more than 2 to 2 1/2 hours and the call is disconnected as if someone is hanging up the call. I am no longer able to check my balance with the automated system using my phkne number the card was issued initialy around XX/XX/XXXX and i have not used it since XX/XX/XXXX and i am unable to get through with a agent and or chat online to receive a replacement card. I use the option to report the card lost or stolen via the automated system and never can get through I have no online access to view my information. I am unable to chat with a virtual assistant. I am in need if my money to pay bills and live my daily life. i have called several numbers for us bank relia card and still have not bewn able to receive a replacement card. I feel that employees may be  picking up the line then transferring the calls while on hold i hear music then silence then more hold music. 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 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
An unauthorized wire transfer for {$6500.00} was taken from my business account on XX/XX/2020. I filed a complaint on XX/XX/XXXX when I discovered it. Since then I have spent countless hours on the phone and at the branch trying to get answers and all they have told me is that the bank the funds were wired to does not respond. Now they have told me to file a police report. I received these funds from a client to finish a project and now they are gone. My bank has been no help because they released the funds but refuse to return them. It has been almost a month and I have nothing. To make matters worse they are charging me for the wire transfer and for ensuing overdrafts. I have filed a case with the Office of Comptroller of the Currency but this can take quite a while and I need these funds returned.

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 2020-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have told this company on several occasions I do not owe this debt and it was paid. They are not the rightful owners. I never received anything regarding this matter until 7 years later when it showed up on my credit. The company keeps going in circle when I tell them to show me proof I owe this debt. The original owner have sold this account to several different third parties but no one can show proof the own this debt and sign any agreement to owing this debt. The company is a fraud and have had several lawsuit against them because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am a Chase credit card holder. An unauthorized charge appeared on my credit card on XX/XX/2020 for {$1200.00} from a vendor I did not do business with an did not recognize. I discovered the error on XX/XX/2020 and contacted Chase to report the fraud. They suggested I contact the vendor. The vendor would not accept phone calls and instructed me to email. I emailed the vendor on XX/XX/2020 to ask what the charge was for and received no reply. Chase cancelled the card and sent a new one and said they would investigate. I received a letter from them on XX/XX/2020 informing me that they were closing the investigation and insisting that I pay the full amount because I had " received benefit from the transaction ''. This is untrue. I called in an attempt to resolve the situation and the individual in the fraud department was unable to help me.

Company response to consumer: Closed with monetary relief