vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XXXX XX/XX/2024 my wife and I needed a substantial amount of cash to fund a home repair. We chose to apply for a home equity line of credit ( XXXX ) with PNC bank because their interest rates were better than similar offerings with other groups. The PNC associates were friendly and helpful and the application process wasn't too hard... however not five minutes after finishing the application, the phone number we used on the form started getting telemarketer spam calls for similar lien/mortgage/line-of-credit products.

It's been two weeks since then and we regularly receive 20 or more solicitation calls PER DAY. The phone number is on the national do not call list, but it hasn't seemed to help. 

On XX/XX/XXXX, we registered the phone number to the national do not call registry ( donotcall.gov ), but the solicitation calls have not stopped. 

On XX/XX/XXXX, I reached out to PNC and spoke with an associate about the volume of solicitation calls and about how it started shortly after filing our application for a XXXX I was thanked for providing the information, but told there was nothing they could do. 

During the application process there was a box we had to check saying that we agreed to share our information with PNC affiliates so that the proper background checks, home evaluations, and credit checks could be performed. I don't know that the application could have been approved without us authorizing them to share the info. However what has happened crosses a line and is to the level of harassment. 

It should be said that the agreement to share information was related to verifying our credit score, evaluating the value of the home and generating an equity estimate, NOT sharing my contact information for solicitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
There are inquiries from this company that I didnt make this is Fraudulent

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have questions regarding a 1099-MISC I received for a credit card account ending in XXXX which is a Disney Rewards Visa through JP Morgan Chase Bank NA . I received a 1099-MISC in the amount of {$590.00} for this account. I only ever received a {$300.00} statement Credit for spending {$1000.00} ( which the IRS doesn't consider taxable income anyway based on Internal Revenue Service Number : XXXX / XXXX ). I would like to know why there is a discrepancy between the value stated on the 1099-MISC and the amount actually earned as a statement credit. I have visited a branch in person, I have called the number on the Card, i have called the number on the website, and i have called the number on the 1099-MISC document . I have also sent messages through their secure message center. Between these calls messages, and branch visits have spoken to 10+ people, none of which are able to understand this discrepancy, explain it, or help me whatsoever. I have wasted countless hours trying to get an explanation and have received nothing. Now I am being forced to file and pay taxes based on this incorrect amount provided by Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-09 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: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
My wife had a joint account with her previous partner at huntington Bank. However when we got married she closed that account, we got a letter from the bank stating her name is off the account. We opened a new joint account with Huntington bank. Last week Huntington bank deducted {$300.00} from our account when we inquired why the amount was deducting bank mentioned her previous partner overdrafted the other account. We tried explaining the bank representative that we are no longer responsible for that account since we closed that account last year. Representative refused to help and our money is still not back in our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: SC

Complaint narrative:
In XXXX, I opened an acct with Kikoff, LLC at the advice of a XXXX XXXX co. I was told to pay {$5.00} a mo. and they report the payment as an installment loan to the bureaus which helps improve credit scores. I put this acct on autopay and paid every month ontime without issue.My kikoff dashboard reflects all payments were made on time and my CC statements reflect the same. On XXXX XXXX, XXXX, Kikoff reprted a 90 day late to all credit bureaus dropping my credit score by XXXX pts which wrecked my credit and will potentialy destroy my life. I am a retired widow and applied for a loan to survive basic living expenses and will be denied this loan based on this drop. I immediately sent proof of payment to Kikoff and requested a reversal of this terrible error. They responded stating this was for a second account that was delinquent and said they can not reopen this. I NEVER had a second acct! It wouldn't even make any sense to have a XXXX acct. They reported me 3 months late, XXXX years after opening an acct with them claiming it was a second acct that suddenly appeared and ruined my life over {$15.00} for an account I do not have. I do have ONE account and it's been paid on time. They have since locked me out of my account and have not responded to my request of proof of this XXXX acct which I absolutely did NOT open. The sole purpose of this account was to IMPROVE my score. There is NO purchase, NO real loan, NO service. This company exists for the purpose of telling credit bureaus someone has a ( fake ) loan and paying it each month. I am now in a desperate situation and need immediate assistance. This can destroy my life. I'm hopeful the CFPB can assist with reversing this and also investigate a company that offers no real service, no real loans and claims fake accounts and has the power to destroy people 's lives for no reason. The bureaus dropped my score making me guilty and although I can prove innocence, I'm made to suffer severe consequences. Please advise how this can be corrected. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Back in 2022 I and my son traded in our XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. The dealer was supposed to pay the vehicle off to Westlake Financial. 

In XXXX, I get a call from Westlake Financial that I am 30 days late because no payment was made. I call XXXX to figure out what's going on, and they admitted they never paid off the vehicle like they are supposed to. According to CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, a dealer only has 21 days to pay off a trade in. If I turned in my vehicle on XX/XX/XXXX of 2022, there was no possible way for me to be 30 days late in XXXX of XXXX as the vehicle should have been paid off in XXXX. 

I then spoke with Westlake Financial and told them I traded in my vehicle on XX/XX/XXXX of XXXX  and I even sent them a copy of the paperwork proving so. I asked them to speak with XXXX as well since they were the ones who were supposed to pay this. 
I don't remember exactly what happened or how it happened, but eventually the loan did get paid. It was too late for me and my credit, however. 

I spoke with Westlake to see if they could remove the 30 day late payment since this wasn't my fault. They didn't help me or fix anything. They just kept giving me excuses. I have spent over a year trying to fight with them and Mitsubishi to help me fix this, but no one helps me. I just think its sad that I have to suffer the consequences for something I had no control over or was my fault. When you trade in a vehicle at a dealership, you do so in good faith and under the expectation that they would pay the vehicle off in a timely fashion. I have no way of knowing that they would violate California law and not pay off my loan until after I have been damaged and they have to be called out on their tardiness. 

Please help me as I do not think its right I should have to suffer a blemish on my report for 7 years when it was not my fault.

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 2024-02-09 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
i am in the middle of a loss madigation approval and during this time i can not make payments for the loan until the loss madigation is completed, and they went ahead and files on my credit report that I'm late

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 2024-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Giggle Finance Inc.
State: GA

Complaint narrative:
On XX/XX/year> I was approved for {$600.00} to pay back $ XXXXplus I know very steep for 10 weeks payback. 
I was waiting on a phon call on XX/XX/year> so they can finalize everything but I get a simple you are denied which I truly qualify for the loan with XXXX explanation. 

I emailed them and ask why I was denied and I haven't received a letter or email with Reasons for denial. 

I think because I got approved with a different company they denied me unless they are actually the same company under a different name I told them by law you have to give a reason fordenied

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Capitol One credit card to dispute a charge for {$590.00} from Off XXXX XXXX. I told them that I had already been charged for that item on XX/XX/XXXX from XXXX XXXX XXXX and had returned the item at the store. The store gave me credit {$590.00} ( return receipt which I have and sent to them ) on XX/XX/XXXX but then charged me again on XX/XX/XXXX another {$590.00}. I contacted Off XXXX XXXX and they said that it was a mistake and they would credit me back. However I did not see the credit and that is why I contacted Capitol One. Capitol One decided they would close my account and issue me a new one ending in XXXX. 
They made an adjustment and sent me a letter saying the dispute was in my favor and took off the adjustment because they said I had 2 credits. This si incorrect because I have 2 charges from Off XXXX and only 1 Credit. I have called numerous times, taken time off work. I have calls that have lasted over 2.5 hrs with Capitol one and all they say is I have 2 Credits but never send me proof and now I owe the {$590.00} when I already returned the merchandise and have a return receipt. The XX/XX/XXXX charge should be credited to balnce off the charge, this is so frustrating and when I explain the the agnets customer service they agree and then they send me a letter stateing that my case is closed. I feel like I am in the XXXX XXXX  going around and around this is extremely terrible customer service. I need a credit and no one can help me fight this charge. Store return receipt trans XXXX done on XX/XX/year> XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
my consumer rights are being violated ive tried more than twice to fix this situation this is non compliance which is a violation pursuant to 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) this has went on far too long

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 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I am a student loan borrower pursuing Public Service Loan Forgiveness. My loan servicer for my federal student loans is MOHELA. 

With the return to payment after the COVID-19 student loan pause, the Department of Education issued clear guidance ( found here : https : //studentaid.gov/announcements-events/covid-19 ) that no borrower would be required to recertify income prior to XX/XX/XXXX. Additionally, that for borrowers with a recertification date prior to XX/XX/XXXX, that date would be pushed back by XXXX year. 

My loans on StudentAid.gov have been updated to reflect this public guidance. On my account, I have an IDR anniversary date of XX/XX/XXXX for each of my loans. I have provided this information to MOHELA and attached it here. 

Despite nearly XXXX months of continuous customer service wrangling with MOHELA, I have been unable to get them to accept the continuation of my current IDR plan until its expiration on XX/XX/XXXX. They are currently set to improperly increase my payments to by over $ 2000 monthly beginning in XXXX. Today I spoke with a supervisor who informed me that none of my information was correct, that it did not matter what my anniversary date on StudentAid.gov was, and that MOHELA would not provide any flexibility to the requirement that I recertify immediately. I informed her that was an unacceptable response, and asked to speak to someone else, but was told there was nobody else who could provide me with other information. 

I informed the agent that I would under no circumstances recertify my income a year before it is actually required, and that I plan to continue to make the same monthly payment as approved by my IDR plan in XXXX, no matter what MOHELA 's calculation of my bill payment is. 

The abuse of student loan borrowers- and particularly borrowers who have specifically pursued public service under the prospect of PSLF- by MOHELA has been widespread and unacceptable. This is yet another instance of MOHELA inflicting clear harm on borrowers despite clear federal guidance to the contrary- and in my case in fact clear personal information that my IDR plan expiration date is different from the date MOHELA has for 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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The account was in a negative static and i paid the account in full in then and the account haven update. there is XXXX different company 's that I was redirected to report to Comennity Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the original company Victoria Secrets. This account is continuing to being sold to other agencies even after it has been paid in full. 

The account was paid in full in XX/XX/XXXX, As shown on the payment conformation letter that I am uploading. However the last payment date on the credit report is showing for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I was on a deferment prior to restarting my education in XXXX. I was unaware that starting my education would change my deferment status with Nelnet and received no notification at that time or when I stopped school for family and health issues. I received no notification from Nelnet once I stopped school that my loans would be restarting. I attempted to purchase a home and discovered that my credit score was tanked by XXXX points because Nelnet reported my loans as late for 30, 60, 90, 120, and 180 days. I have 2 groups of loans with Nelnet totaling 5 loans. I was under then impression that I had 1 loan with Nelnet because all prior notification from Nelnet indicated that it was a single payment for my loan amount and included just the full balance owed. It was not until I received the 25 dings on my credit report when I attempted to purchase a house did I realize that it was 5 separate loans. I contacted Nelnet who confirmed that they had an incorrect address, this address they had was never an address I lived at nor was I on any lease for. They denied having the ability to correct the report to the 3 reporting agencies and advised that I file a dispute. I filed the dispute, but Nelnet denied any wrong doing or reporting so the dispute was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo case number : XXXX Account number ending in XXXX ( Previously XXXX ) On XX/XX/2023, I detected a {$2400.00} charge on my credit card statement linked to XXXX. Promptly, I contacted XXXX to question the charge, and they advised me to contact my credit card issuer. Subsequently, I made three separate attempts to report the fraudulent activity to Wells Fargo over the phone, only to have my claims rejected each time. Furthermore, I made four email inquiries to Wells Fargo Credit Fraud, all resulting in denial. The responses provided limited details, asserting that the merchant verified the accuracy of the personal information provided, including my name, phone number, and credit card details. Additionally, they noted that the IP address associated with the transaction matched mine. Despite these explanations, I am steadfast in my belief that this charge is indeed fraudulent. Despite receiving a replacement card after reporting the fraud, Wells Fargo has not provided any additional clarification beyond stating that the information provided to XXXX matches mine. This situation has left me unsure about how to proceed, as I am determined to resolve this erroneous charge on my account. 

Wells Fargo has alleged that they attempted to contact me several times but were unable to reach me. However, this is inaccurate, as I always answer my phone calls. Typically, for significant purchases like this, I would receive a text notification, but I never received one in this instance. 

Furthermore, I never intended to hold an account with Wells Fargo due to its reputation for deceptive practices with customers. Unfortunately, the card I possessed was a Choice Privileges MasterCard, which was acquired by Wells Fargo. Immediately after the transition, I encountered this fraudulent charge.

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 2024-02-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I got XXXXXXXX XXXX worth of American Express gift cards from my work and I cant even use them anywhere! What is the point! What a scam of a company.

Company response to consumer: Closed with explanation