vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America responded to my complaint about XXXX ' charges to my credit card with incorrect information. The charges for licensing to FINRA, SIPA, and all of the fees are paid annually on XX/XX/XXXX. for the next year, XXXX. Never for the current year, XXXX. The statement said the charges were for XXXX, when they were for XXXX. My resignation from XXXX was XXXX XXXX. The documents provided from FINRA showed no payment received from XXXX on my behalf. I also provided a copy of the check payable to XXXX for the documentation to FINRA that canceled my affiliation with XXXX  effective XXXX XXXX. XXXX  ' form for XXXX XXXX XXXX XXXX has an authorization block for credit card authorization, that block was not marked giving authorization. XXXX  ' form for licensing has an authorization block for credit card authorization, that block was not marked. There was NO AUTHORIZATION FOR BOTH CHARGES XXXX  IS CHARGING ME FOR. The general purpose authorization form the company uses for credit card authorization has every possible charge for authorization on it. My signature on it RESTRICTED the use to the monthly affiliation fee only as instructed by the company. The E-MAIL sent with the form to the company also restricted the use of my credit card to the monthly fee only. The company did receive the monthly charge for the month of XX/XX/XXXX and there has never been charges to my credit card for any other services ever in the past. Bank of America never ACKNOWLEDGED THE RESTRICTIONS OF ANY OF THOSE FORMS. No Authorization on XXXX XXXX XXXX XXXX   form, No Authorization on the Licensing form and a restriction on the general purpose form needs to be explained by Bank of America where they received my authorization for services I never received. The statement by XXXX and Bank of America that the charges were for the year XXXX are clearly FRAUDULENT. The XXXX forms authorize the company to withhold Commissions for payment and they have. I am still waiting for money owed by them. Explain to me the XXXX of {$4500.00}

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 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
In XXXX of 2020, I was made aware of a debt collection on my credit score. I sent a certified letter, sent via USPS, to ARS Account Solutions asking for them to verify this debt that I supposedly owe. I sent this letter on XX/XX/2020. They refuse to validate this debt and say that I owe a large amount of money without allowing me to authenticate this debt.

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 2020-07-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
Received a US BANK RELIACARD which is suspicious. Did not ask for it or asked for unemployment benefit from PA. We don't even live in PA. This is a scam or fraudulent activity. Tried calling US BANK Reliacard but never was able to talk to a live person. Please mark them as Scam US BANK RELIACARD

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 2020-07-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
My Unemployment benefits are going to a Way2Go Card. They do advertise that i will be able to transfer my funds from their card to my personal bank card for a fee of {$1.00}. i did it once and now they did remove this option without any notice. 
I tried to contact them multiple times. NOTHING. I did use all phone numbers that they did provide to contact. left multiple voice messages and NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Not allowing either robo-investing/saving accounts to link to my PNC account. It's 2020, they should have a way of playing nice. I have previously tried to link my PNC account for usage with XXXX. I was unable to link it so that the " rounded '' amount could be transferred. However, I was unable to do so since PNC says they want " too much information ''. As a result I have since stopped using my PNC debit card and pivoted to using credit cards solely ( something I am sure PNC can attest to, and probably misses the fees associated with those charges ). I attempted to sign up for an account with XXXX as  well and have run into this issue again. 

It almost seems like PNC wants me to close my account and move to a more tech and future friendly bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
On XX/XX/XXXX I received a letter that my loan was in default because my payment was short {$110.00}. I called Penny Mac to inquire why. I was initially told it was because of a county tax increase. I informed them that we had not had any tax increases in my county in a couple of years. I was immediately transferred to a supervisor. She told me the same thing until I informed her that we have not had any tax increase. I did add an attached garage to my house which increases the insurance payments. My insurance increased from {$76.00} a month to {$100.00} a {$24.00} difference. My monthly payment increased from {$1200.00} to {$1300.00}. An increase of {$70.00}. This is a difference of {$46.00}. When i asked the supervisor why there was a difference, she informed me that this was for an emergency maintenance account in case I was short due to increases in the future. I was not aware of this account and she actually said it is basically a secret account. I can not see the account anywhere on any statement and was not aware of this policy. As of now, I have around {$430.00} in this secret maintenance account.This happened last year and i blindly sent in the money they asked for. 
This loan was assumed by them without my permission. I signed the paperwork not to allow the account to be assumed. 
I would like to mortgage to be returned to XXXX XXXX  and be compensated by Penny Mac for their deceptive and forceful threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In early XXXX, XXXX, I had a numerous fraudulent charges on my Citi Double Cash Credit Card after visiting XXXX XXXX XXXX XXXX. Citi refunded the fraudulent charges and refunded me the credit of {$300.00} in XXXX, XXXX. Subsequently, I received a statement that I owe Citi {$840.00}. 

I have called 5 times since XXXX, XXXX to gather information on these new charges. Citi is not able to explain the {$840.00} in new charges. I tried again on XX/XX/XXXX to call Citi and after holding for 30 minutes, I was told that no customer service representatives are available at this time. 

I request assistance to correct the fraudulent charges so I can cancel my account. 

XXXX XXXX, MD XXXX XXXX XXXX XXXX, CA XXXX XXXX

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 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: OR

Complaint narrative:
Received a notice dated XX/XX/2020, trying to collect a debt for XXXX, for which I've never had an account. It's not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I was seen by a provider at XXXX XXXX. Upon receipt of a bill later that year, I noticed a discrepancy on my bill for XX/XX/XXXX that resulted in an excess charge of {$5.00}. I made the provider 's office aware of the discrepancy, which they indicated would be corrected and that I would receive the corrected bill at a later date. I subsequently received a notice from XXXX XXXX that this amount had been corrected on their end and that the forthcoming bill from XXXX XXXX should indicate the correct total amount due. The initial amounts for these three bills were {$170.00}, {$25.00}, and {$18.00}, respectively, with the second bill corrected to {$20.00}. The total amount for these three bills was {$220.00}, which was paid to XXXX XXXX on XX/XX/XXXX. However, concurrently, I had received several errant bills showing the incorrect amount due of {$230.00}, which I disputed with XXXX 's billing department, indicating that a correction was submitted and that it would be paid upon its conclusion. Nevertheless, XXXX initiated collections activities on my account and forwarded my account to Credit Control Corporation. However, payment was made to XXXX XXXX prior to the notification of collection activity from Credit Control Corporation, which resulted in the payment being sent to CCC for processing, rather than being handled at XXXX. I was subsequently charged collections processing fees ( ~ {$75.00} ) and my payment was misapplied to a previous " bill '' on my account that did not belong to me, which was dated XXXX. I have since made contact with both XXXX XXXX and Credit Control Corporation to resolve the issue, without success. Both parties indicate the other is responsible for the error but neither is willing or " able '' to resolve it.

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 2020-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
Back in XXXX, i called and spoke with XXXX XXXX about getting an deferment due to the covid19. He told me that he was able to do the deferment and it should have been for 90 days. So on XX/XX/XXXX I get a notification on my from the credit agency that I have a 60 day late on my account. So I called and spoke with a nice lady from Lending point and she said it had to be looked at by an supervisor. So today I received an call from XXXX XXXX and he stated to me that they could not call me to advice that the payment was past due, because i placed a do not call on my account back in XXXX. As I explained to Mr XXXX, even if I did when I spoke with XXXX, I told them to call me. So what he's saying is an excuse. I told him I thought I had an 90 day extension and now he telling me it was deferred for only 30 days. He didn't do anything to try to help, but tell me good luck wit filing a claim. This company is horrible, we are going through such a tough time in this country for companies employees to act the way he did. I have requested for the 60 day to be removed from my credit. Also wanted them to work with me to pay the past due balance. We just started to get unemployment last week, so we will try to get caught up. I'm filing this complaint because, people should not be treated or affected like this during an pandemic. Also they need to be looked into, because i filed an complaint with the XXXX  last year because they were taking money out of my account without my permission. This company has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WV

Complaint narrative:
PNC has problems linking services such as XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion insists that I am lying to them about my current problems with filing a dispute with them. They tell me that there is not two websites to file disputes ( one that DOES NOT support documents, and the other that DOES ). The one that does support documents has errors on it saying that I still have a outstanding item from XXXX that will not allow me to submit a dispute with documents. I was told that is impossible and that they do not see anything on their end. I have contacted 6 different people through 4 different numbers for TransUnion. All of which have either pointed fingers at other departments, or me. They also told me that I can submit a dispute on the website that DOES NOT support documents, and add them within an hour of filing said dispute. This was a lie and just lead to more headaches and the supervisor telling me that it is not the case. She then told me that there are buttons to add documents ( which there are not ) on the service.transunion.com website, that there was not a second website ( onlinedispute.transunion.com ), and that I only have 1 hour to submit documents while in the process of filing the dispute, not after. This still has not resolved the fact that they  could not see my current dispute, nor that the website I need to use to submit documents on to support my case still has N/A in certain fields and says that it was initiated on XXXX. They still say that it doesn't exist or there are no problems with my account or the site. I have not had a single issue with disputing any of the information I want to dispute with other credit bureaus.

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 2020-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
When I refinanced my home with Quicken Loans I made it clear that I was trying to not have PMI because there was a large amount of equity in the home already. At the time the loan was for {$120000.00} with a value of {$140000.00} meaning when I paid down to about {$110000.00} the PMI would no longer be needed. I still have PMI of {$15.00} per month even though my home loan has a balance of {$110000.00} or 76.69 %. They also state that it comes off automatically when you reach 78 % which is not true because I am still paying it. 

I was instructed on XXXX that I would need to pay to have my home reappraised to have it removed or wait until XX/XX/2020. 

I am now being told that this is a requirement of XXXX XXXX. Reviewing my closing documents it does not state that an appraisal is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Flandreau Santee Sioux Tribe
State: AZ

Complaint narrative:
Last week they spoke to my daughter ( who answered my phone as I wasn't there ) and gave her specific details about what I owed, that legal action would be taken, that I twice tried to defraud the company, that my payment was declined. They also contact my father, who I would never use as a reference. They also contact my sister, after she told them I was not at that number, and left her very rude voicemail intended for me ( knowing it was not MY phone number ) that they were seeking legal action against me. 
On initial phone call I asked for letter, or written proof of who the original creditor was and they would not give it to me. They said it was from 2016 but used an address that I have not lived at in about last 13 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/XXXX Me and my husband bought a used XXXX XXXX  vin # ( XXXX ) from then called XXXX XXXX XXXX now XXXX XXXX XXXX ( XXXX ) XXXX for {$46000.00} which really was a ripoff, accepted the deal due to having bad credit. 8 months later a deer ran into the front bumper side with minor damage, less than {$2000.00}, but the repair shop had to remove the front bumper, they realized that the vehicle had already been in a major accident because of bad repairs was obvious ( welded areas was rusting and wirings was terrible ), my insurance stated that they would only repair my damaged, we tried resolving the problem with the dealership which kept stating they could get us into something else, plus the next day after we got the vehicle I tried calling to get out of the vehicle because I really realized {$940.00} a month was just too much, but we never got a call back. Well once we contacted them after the accident and let them know we realized it was in a accident and that the XXXX that we got from them stated no accident on the vehicle in the year XX/XX/XXXX or XX/XX/XXXX, so they said we could get another vehicle with {$10000.00} down, which was totally impossible for us. Therefore we was stuck with keeping the vehicle, so I`ve been working on this for about 8 months, I narrowed the search to what insurance company paid the claim of almost {$14000.00} ( XXXX XXXX and the owner and the repair shop, spoke with someone at the repair shop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the person I spoke with said they would see what they could do and get back in touch, never called me back, I called back he said he haven`t forgot me, right today, I haven`t heard anything back. In the mean time I was riding in a incomplete unsafe vehicle, therefore me and my husband made a decision to get out of the vehicle, voluntary repossession, now the financial wants the difference of the lost when they sold it, I feel really sad for them selling a unsafe vehicle that one day the whole from end may come off while someone is driving it, I tried explaining the  situation to them, but they`re only concerned about their money! I`ve tried contacting XXXX, but no response. Now the financial company wants us to pay them {$20000.00}. 
Please help us resolve this issue and hold the car dealership reliable! 

Sincerely,

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 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: KY

Complaint narrative:
Phoenix Financial Services is attempting to collect two XXXX Hospital debts that were paid off by workers comp and documentation has been received by creditor. I submitted documentation from my attorney showing that XXXX XXXX XXXX had indeed paid the debts off and Phoenix Financial is still disputing the chargers. It has been in dispute for over 45 days and I have contacted Phoenix Financial over 5 times during the last month and a half. I followed up XX/XX/2020 with XXXX XXXX XXXX to ensure that those two payments had been submitted and was told they were. My attorney told me to file a claim due to unfair reporting practices and I hope this can be resolved quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I visited the Bank of America at XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX. My purposes were simple : 1 ) update my mailing address, 2 ) pay off my auto loan. 

I gave the customer service representative my driver 's license so that he could enter my address into the BOA system. After he finished entering my address, I paid off my auto loan ( {$6100.00} ) immediately. I was told that the title would arrive within 2 weeks. 

On XX/XX/XXXX, I checked my BOA online account and found out that my mailing address was wrong. I called the customer service and was told that my car title was already mailed on XX/XX/XXXX to the wrong mailing address. 

I went to the Bank of America at XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX again, and asked for help. They refused to apologize, nor did they offer any help ; they just gave me the BoA customer service number! I still couldn't receive my car title even though I have already paid off my loan. 

It was their fault, and I can't believe this is how BOA serves its Premium Rewards Platinum client, who has been with the bank since XXXX.

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