vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I have a PNC Visa Signature Credit Card with PNC Bank, where I have all of my banking accounts. My PNC Credit Card is set to autopay from my PNC Checking Account every month on the XXXX. The final payment made was on XX/XX/XXXX. PNC stopped auto-paying the PNC Credit Card, and the payment was late for XX/XX/XXXX and XX/XX/XXXX. I was not notified that the autopay ended or would expire. I became aware of this when PNC emailed me on XX/XX/XXXX that the due date for their credit card had passed and they applied a late fee the day before on XX/XX/XXXX. ( A search of my email shows that they also emailed me on XX/XX/XXXX, telling me that my payment was late [ because of PNC ], in that case they applied a late fee on XX/XX/XXXX ). My checking account holds approximately 250 times more assets than than charges on my credit card, so I have the ability to pay. To my knowledge, I have never had a late fee or had one waived. 

I called PNC to resolve the issue. I was informed by XXXX that it would take 3 months to restore autopay and that she could only waive one late fee every 12 months, and so she could not waive both late fees. XXXX told me this was a new company wide policy that had been handed down by the responsible company officer, and that even her superior could not make an exception. I made it clear that both fees were incurred because PNC Bank stopped auto-paying my PNC credit card. This did not matter to XXXX and PNC -- their failure to use PNC bank accounts to pay PNC credit card means that I'm stuck with late fees I would never have incurred. 

Personally, I want both of the late fees waived. My bank has access to my funds and auto-pays the credit card they control ; they decided to stop auto-paying, and did not notify me of this or of a possible auto-pay expiration. They started charging me late fees and sending me notices after the fact. The bank also says I am stuck with these late fees, because they failed to make the payment to themselves and they will no longer waive late fees at all. 

Broadly, I am concerned this is possible actionable chicanery. At the least, this is bad faith and immoral. On a national scale, this would amount to a huge addition to the bank 's books and a fraud upon its customers. It seems a lot like a trap, intentional or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On Friday, XX/XX/2020, I deposited a check at the Bank of America, with a teller, for {$1000.00} from XXXX XXXX, a national company, into my checking account. Hours later, the bank sent me an email and stated they were holding the funds until XX/XX/2020. I asked the bank to release the hold and they are stating they are unable to verify funds. 

I called the bank, XXXX, who is the bank that XXXX XXXX wrote the check from. They verified the funds and that the check has cleared. They said there was NO reason for Bank of America to hold the funds. Therefore, it is proof that Bank of America never even tried to help me. 

This is wrong and unfair for many reasons. The main reason is that Bank of America accepted my deposit did not mention a hold. If Bank of America would have told me there would be a hold, I could have cancelled the deposit and cashed the check at XXXX, the bank the check was written off of. 

To clarify, Bank of America took my deposit. 
They did NOT tell me of any hold. 
Hours later, I get an email that the check is on hold until XX/XX/XXXX. 
The exec office said they will keep it on hold. 

This is wrong in so many ways and I hope you can assist. They are doing people so wrong and causing severe financial hardships. The executive management can't possibly realize how bad they are hurting their customers and if they don't know, I hope they fix it. The customer should be given an option of a hold at the time of the deposit so the customer can make a decision whether to keep it on hold or cancel the deposit and go cash it at the other 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 explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I attempted to withdraw funds from my Edd acct and was informed I only had XXXX $ left in the acct. A withdraw for XXXX $ and another for XXXX $ were withdrawn on XX/XX/2020, somewhere in XXXX, Ca. I live in XXXX XXXX, Ca and have never been to XXXX, Ca. Attempted to contact someone form the phone number given on EDD card, finally filed a fraud claim and was denied. I did not make these withdraws and need these funds to live during this COVID 19 pandemic.

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 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inquires would made without my consent. 
on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX  on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: NE

Complaint narrative:
Hello, I am XXXX XXXX and I entered a credit transaction with Westlake Financial. I have been violated from WESTLAKE FINANCIAL on so many accords within the Truth in Lending Act. First I extended my credit to this company in 2018. I was never told that I had 3 days to rescind according to 15 U.S.Code 1635. My insurance was not included in my finance charge. I had to pay that separately I didn't even get the option to have that which is a violation of 12 CFR 1026.4b7. Also, I put a down payment down on the car which is illegal according to 15 USC 1605. My car was stolen by the CoSigner on the paper that I received from WESTLAKE FINANCIAL it states that the only responsibility of the CoSigner is the payments. That is a break in this companies paper. I continuously called this company and had a police report to show that my car was stolen. They also violated my rights as a consumer under Federal Dept Practice Act. They continuously used profound and obscene language about threatening to repose my car which is a violation of a 15 U.S. Code 1692d.2. They also are in violation of 15 USC 1692c.b. I have several emails from them stating they are " attempting collect a debt from me ''. Within this same act I was violated also under 15 USC 1692b.5 where each communication received from them states their direct logo and that they are a debt collector. 
I have reached out to WESTLAKE FINANCIAL to validate this alleged debt but I have not heard from them yet. I sent over a cease and desist and received another email from the company asking about this alleged debt right after they received it. As I sent the documents certified mail so I have the green receipt of when they received it. I have stressed and stressed lost my job due to this credit transaction and I am still carless at the moment. I have begged this company to please return my vehicle and stop threatening me to repose the car they even asked me would I like the car to be returned I told them yes and I literally did not hear from them again until they started sending me collection emails and a 1099c form. I also asked this company to stop reporting on my credit report an alleged debt that is already paid for through the finance charge, and to stop contacting me. They have not done any of these things. I am just tired and stressed as a consumer at this point. While me and my kids struggle to get around someone is out there driving around in our vehicle that belongs to US and I am the one getting collection threats everyday.

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 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$0.00}, {$0.00}, {$0.00}, {$4000.00}, {$29000.00}, {$4000.00}, {$13000.00}, {$40000.00}, {$30000.00}, {$54000.00}, {$160.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX 4. XXXX AUTO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

6. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$4000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

10. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11.XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my 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 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$0.00}, {$0.00}, {$0.00}, {$4000.00}, {$29000.00}, {$4000.00}, {$13000.00}, {$40000.00}, {$30000.00}, {$54000.00}, {$160.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

6. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

XXXX. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XX/XX/XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
My mortgage, Loancare, disbursed money out of my escrow account to pay taxes that were supposed to be paid at closing or before closing. They paid XXXX XXXX Treasury Department {$1100.00} in XX/XX/XXXX for XXXX taxes, which I was not responsible for. I closed on my house XX/XX/XXXX. The closing documents clearly states the property taxes were prorated for 5 months and were not due until XX/XX/XXXX in the amount {$450.00}. I have been in communication with XXXX from XX/XX/XXXX XXXX XXXX, XXXX from XXXX XXXX Treasury Department, XXXX from XXXX XXXX XXXX, and XXXX from Loancare. No on is admitting their mistake. 

This started whenI received an invoice from Loancare stating I needed to pay them {$480.00} by XX/XX/XXXX or they were going to increase my mortgage payment by {$40.00}, to replenish my escrow account. 

I have been dealing with this for well over a month and no one is admitting their mistake, meanwhile, I've have to make two payments of {$40.00}, to Loancare for the " insufficient '' escrow account. 

I would like someone to contact my as soon as possible so we can get this resolved and I can get my money back.

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 2020-11-23 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: NJ

Complaint narrative:
XX/XX/XXXX I sent a letter to the bureaus in regards to my items being disputed in all forms of inaccuracy XX/XX/XXXX I got no response then I filed stating I was reporting them & certified these aswell.

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 2020-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I purchased a XXXX refrigerator at Lowes XXXX XXXX XX/XX/XXXX on XX/XX/XXXX opened a new credit account for a 5 % discount {$1000.00} I received a bill & in all good faith pre-scheduled a bank to bank electronic payment to Lowes/Synchrony Bank for XX/XX/XXXX which was sent. I did NOT receive the card yet. 
XX/XX/XXXX Lowes could not obtain or deliver the XXXX refrigerator, canceled my purchase & credited the account. 
I immediately advised Synchrony Bank on XX/XX/XXXX that Lowes canceled my only purchase from XX/XX/XXXX & I that I did NOT receive the card. They advised the card was mailed & authorized? with purchases on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in 2 Lowes Stores in towns out of my area? I requested a Fraud Investigation to be opened On XX/XX/XXXX I requested return of my {$1000.00} electronic payment due to Lowes canceled my XX/XX/XXXX refrigerator purchase. 
Since XX/XX/XXXX to present Synchrony Bank after numerous requests, has NOT & refuses provided me any proof I received or authorized their card for use other than 1 one purchase when Lowes opened the account. 
Synchrony Bank continues to block all my refund requests of {$1000.00} even with numerous documents including a Police Report filed on XX/XX/XXXX & sent to Lowes/SynchronyBank. At this time I believe that Lowes/Synchrony Bank employees are hiding something & /or acting in bad faith? 
On one call they told me " the system '' shows the purchase was authorized on a cell phone phone, YET I sent my XXXX cell phone records & I MADE NO CALLS until XX/XX/XXXX the date I called Lowes/Synchrony Bank? When I called their phone system, it gave me balance & account information from an OLD closed account I had from a prior refrigerator purchase made years ago???? 
Lowes/Synchrony Bank continues to avoid giving me any proof yet they defame me with form letters stating I authorized, participated or benefited from these 3 fraudulent charges WITHOUT given me any proof, yet they keep opening new Fraud claims? 
Lowes/Synchrony Bank repeatedly transfer me from one service team to another, claim that I am not responsible for fraudulent transactions YET the send my form letters and they REFUSE to show me any proof of their false defamatory claim that I made these unauthorized charges? Lowes/Synchrony Bank mailed a credit card that was stolen in the mail and Lowes/Synchrony Bank is TAKING ADVANTAGE OF ME. A senior and a long time Synchrony Bank card holder with multiple Stores. NOT ANY MORE!!!!

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 2020-11-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Russell P Goldman PC
State: NJ

Complaint narrative:
On Monday XX/XX/2020 I was contacted by Russel P. Goldman P.C. about a debt collection for private student loans from XXXX, after receiving a letter from his law firm on XX/XX/2020. He gave me a payment number that I would be unable to afford. I asked for a lower payment and his response was that wouldn't even cover my interest but if he were me he would send anything he could to them. He also stated this would continue to hurt my credit, before saying what I was offering was like " going into a car dealership and offering {$5.00} for a {$1000.00} car ''. Not only was the comment not appropriate for someone trying to work out a payment plan it was condescending and insulting. I had previously entered bankruptcy for this loan due to the fact that I could not afford the minimum payment and Russel P. Goldman refused to work out a reasonable payment plan. Also on the XXXX website it states " During the pandemic emergency, XXXX instructed its private collection attorneys to suspend involuntary collection activities related to defaulted XXXX loans, such as filing court judgments and wage garnishments. In addition, during the state of emergency, your defaulted XXXX account will be reported to credit bureaus under the approved disaster code, which should not negatively impact your credit score. Please contact the private collection attorney assigned to your defaulted loan. You may continue to make voluntary payments on your defaulted XXXX loan, or you may request a modification to the payment amounts due to unemployment or financial hardship due to the COVID-19 pandemic. If you need help getting connected to the private collection attorney, please let us know by sending an email to XXXX. '' and it sounds like they are still tacking interest on and also they are conducting involuntary collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly sent certified mail letters to Equifax, XX/XX/XXXX, and XX/XX/XXXX to remove a credit item from XX/XX/XXXX because I am supposed to be included in this Class Action Settlement against XXXX. I wrote to the Office of the Attorney General, they sent me a letter dated XXXX XXXX with a PIU # of XXXX and said to follow up with XX/XX/XXXX who is administering money damages and XXXX is supposed to do loan forgiveness etc. I called XXXX XXXX because I never got a notice and they stated " I am not part of the Class Action Lawsuit '', despite having 2 auto loans over 23 and XX/XX/XXXX% interest rate. I have let the Attorney General 's Office know that these 3 credit bureaus have done NOTHING to remove this from my credit report, they have done NOTHING to help me get monetary damages, and XX/XX/XXXXcontinues to DAMAGE me and my credit reputation preventing me to move forward with my life. I CAN NOT get a decent job that is high paying, nor get a credit card, not even a car nor a house, and this has DESTROYED my ability to have any future. I want CFPB to HELP ME by enforcing Federal laws and make XXXX, Attorney General Office, and credit bureaus PAY ME MONETARY and PUNITIVE damages for my suffering here. I have a job working at an agency, but I have lost ALL chances of getting a Federal job. I am XXXX. Too old to get a real job now thanks to their destroying my credit.

Company response to consumer: Closed with explanation