vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/2020, I had my latest phone call with PNC regarding a security feature they put on accounts related to, what they call 3rd party apps not controlled by PNC. In question, I am a consumer of XXXX and was attempting to do a withdraw from my XXXX account to my PNC account. I received a message from XXXX after verifying my banking information that stated the following : " PNC has made a change that prevents you from being able to link your accounts. File a complaint with the CFPB. The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. You can alert PNC that you need access to your financial data by filing a complaint with the CFPB. '' I have spoken to PNC on 2 occasioins, with tonight being my latest call. In both calls, they said they would " note my concerns in my account '' and tonight, the representative hung up on me after I asked the date the change in policy accorded, reflect 3rd party apps, since as a banking consumer, I was not made aware of these changes prior to, and I have successfully transferred funds prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: The CMI Group, Inc.
State: NV

Complaint narrative:
I have a loan with CREDIT MANAGEMENT LP, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CREDIT MANAGEMENT LP,  XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD BANK NA failed to correct the 30 days late showing in XX/XX/2016 in Acct XXXX Acct was never late, have always been in automatic payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, This complaint concerns my experience with National Credit Systems , Inc. National Credit Systems , Inc. has sent a single letter stating that I have an " obligation '' of {$6900.00} to XXXX XXXX XXXX I have not received any written accounting of what the {$6900.00} consists of. It seems very unreasonable and unfair for a collection agency to be able to submit negative information on a consumer to the credit reporting bureaus without having provided a detailed accounting of what the " obligation '' is. 

To date, I have received no detailed written accounting from either National Credit Systems , Inc. or XXXX XXXX on this " obligation. '' I believe that the negative reporting done by National Credit Systems , Inc. should be reversed until I am provided with a written accounting of the " obligation. '' Thank you in advance for your assistance and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MO

Complaint narrative:
CROWN ASSET MAN AGEMENT LLC Not on all 3credit report and never received anything prior to them filling judgement against me XXXX - CROWN ASSET MAN AGEMENT LLC V XXXX XXXX ( E-CASE ) Displaying case headerNavigate to party detailsNavigate to docket entry detailsNavigate to charge detailsNavigate to service information detailsNavigate to filings due detailsNavigate to event detailsNavigate to judgement detailsNavigate to garnishment details Page seperating line This information is provided as a service and is not considered an official court record. 
Judge/Commissioner Assigned : XXXX, XXXX XXXX Date Filed : XX/XX/2020 Location : XXXX XXXX Case Type : AC Breach of Contract Disposition : Not Disposed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Last week XXXX, XXXX 2020 I had contacted our present mortgage company to ask for a mortgage statement and mortgage note, due to some unforeseeable circumstances our online privileges were revoked, which by the way is a huge inconvenience. I made them aware of the urgency of my request and after pleading with them they agreed to send me both documents, 5 days later i received a mortgage statement, missing was the mortgage note. I called to resolve the situation and this is where things went very badly. After being passed around I finally was able to speak to someone who agreed to fax the missing document, to my surprise, they faxed someone else mortgage note to our new lender who called me right away, I called my mortgage company back and one again I was transferred to several departments, I spoke with 2 managers who informed me that they had misplaced my file, in addition, they were very unaccommodating, I made them aware I was going to contact CFPB, this did nothing to help me, I pleaded with them to get me my mortgage note due to time constraints, that made no difference to them. on a last effort I asked to speak to another manager, there response was to email them and they would work on it, this is not unacceptable, I do not understand how they could mail me my mortgage statement but tell me they lost my file. I am in desperate need of your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
At the end of XX/XX/2020, I was granted a 3 month special forbearance with my mortgage company due to losing my job throughout the COVID Pandemic. The forbearance included XXXX, XXXX, and XX/XX/2020. 

Several times, we have tried to contact the company to obtain information on the status of the mortgage and even made a payment on both XX/XX/XXXX, and XX/XX/XXXX in which they returned the XXXX payment. 

In the last 3 months we have attempted to reach the company to discuss our options and when we get to the prompt to speak to someone, we are disconnected every single time, up through today. We email the number provided on our statement and it came back as undeliverable. 

They received a payment in XX/XX/2020 but have not applied it. They returned a payment and are now sending us demand letters for payment in full, we try to pay it online and are unable to do so, as it states " this loan has a payment stop '' which prevents us from paying, and we called in to pay over the phone and are disconnected. 

They reached out to me in XXXX to see if we needed to extend the forbearance through an automated system, and we said No. Which would allow them to begin taking payments. 

It appears as though there is no one working at this company and letters are automated. 

Please help me save my home. I want to pay, and remain current, however they have made it impossible.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX I attempted to use my TJX Rewards card issued by Synchrony Bank at a XXXX XXXX. I had previously made a payment to the credit card in the amount of {$330.00} and received an email stating that the payment was posted to my account on XX/XX/XXXX. My bank account had showed these charges cleared, and the money removed from my account by XX/XX/XXXX. I called the customer service line and they advised that since i'm a new cardholder, there are holds placed on my account. They stated my payment hadn't cleared yet. While on the phone, I pulled up my account on line and showed on my bank statement the cleared amount of {$330.00}. The representative continued to tell me that the company hadn't received my payment yet, and that is why I wasn't able to use my card, yet I was staring at my bank account that showed the amount in question missing from my account, and it was NOT a pending transaction. The representative continued to tell me that this was a part of being a new cardholder, is that even though my payment is full and clear and they have taken my full payment, removed it from my account, they will continue to hold the limit since i'm a new cardholder.

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 2020-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian CONTINUES TO DISREGARD MY COMPLAINTS! THEY HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1.  INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.

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 2020-07-28 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: BYL Collection Services
State: NV

Complaint narrative:
I have a loan with XXXX XXXX XXXX, BYL COLLECTION SERVICE, XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, BYL COLLECTION SERVICE, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX 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 2020-07-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The company was given all pertinent information on this fraudulent account. I don't have account numbers as the account is not mine as I stated before. When I sent my letter I gave them all the information I had on this account. These tactics are used to put my information on this fraudulent account and continue to leave it on my credit report. My name and address were also included in my first complaint. If this item is not removed so that I can move and buy a home I will be left no other choice than to file legal action agains XXXX XXXXXXXX for fraud and Intention infliction of emotional distress ( IIED ) as well as other damages suffered as a result of these attacks on my personal credit, character and overall wellbeing. As I requested before I want these items removed from my credit report. I have already sent numerous letters and given my information I don't have any further information as this is all that is on my report ; the account isn't mine so I will never have the information they are looking for. They need to prove with wet ink signatures which they don't have as this is fraud and these accounts are not mine. We are beyond the request for information. Remove this account or I will be left no other choice but to pursue legal action. 


Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2.  XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,

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 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I have been unable to redeem my credit card rewards earned through the Uber Rewards card. 

Barclays advised me that the problem was on the Uber end and they could not help me. 

Uber claims that they can't help me because I am not the primary account holder. I responded to this by proving that I am the account holder by sending evidence of my credit card statement. 

They are still refusing to honor the several XXXX XXXX  worth of rewards and have marked the issue as " closed '' and said that they will not be providing further 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 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/2020, my Google Pay account was illegally accessed and used to transfer over {$1200.00} USD ( in two separate {$600.00} transactions ) using a XXXX  XXXX XXXX XXXX XXXX that was attached to my account to an anonymous google account that has now been deleted. ( Screenshots attached ).  Within 5 hours of these transactions ( I didn't receive a confirmation email until 10 DAYS later on XX/XX/2020, after which I suddenly in minutes got a decision ), I changed my password and informed Google Pay about the issue and filed for a case TWICE ( screenshots attached ). I also chatted with over 5 representatives that FALSELY claimed that my money was HELD and would be sent back to my bank account. However, with hardly any investigation, Google Pay  informed me that they can not issue a refund and that my money is no longer available and that the case was not decided in my favor. Just like that, in seconds I had lost {$1200.00}. I went ahead and filed a case with my bank on the issue, which yet again resulted in Google Pay getting back to me today AFTER 3 MONTHS on XX/XX/2020, that the transaction can not be reversed ( screenshot attached. ) The google account the money went to is now permanently deleted and can not be accessed. They couldn't even stop the hacker from withdrawing the funds. 

It is evident that Google Pay does not protect its dedicated consumers even though I've been using it for the past 4 years and IMMEDIATELY reported the issue. They are UNABLE to regulate their own payment platform even if the reported account has been reported for illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
This complaint is against 2 companies : American Coradius International ( XXXX, NY ) & XXXX XXXX XXXX XXXX, DE ). 

I, XXXX XXXX, received a letter dated XX/XX/XXXX from American Coradius indicating I owed a balance of {$3300.00} that had gone into collection from XXXX XXXX XXXX XXXX Since I have never had an account with XXXX, I filed a complaint with the XXXX   and American Coradius quickly indicated that no debt was owed. I did not take it to the CFPB at that time since they fixed it. 

However today, XX/XX/XXXX, my wife, XXXX XXXX, received the exact same letter in the mail only it is for the amount of {$1400.00}. She just disputed it to the XXXX on her behalf to hopefully have that balance removed as well. 

If you go to the internet and search up this company, the first XXXX auto-search shows " XXXX  scam '' so obviously this is a real problem. Their mailing address on both of the letters say : XXXX XXXX XXXX XXXX, TX XXXX That address on XXXX XXXX looks like a shack in the middle of nowhere. 

The second complaint is against XXXX XXXX as I, XXXX XXXX, received a collection notice for XXXX in the amount of {$46.00}. Coincidentally, that letter is also dated XX/XX/XXXX just as my wife 's was dated. Both of these were sent to our home address. 

If you XXXX XXXX XXXX, a similar auto-result shows up indicating " XXXX   Scam ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: United Revenue Corporation
State: GA

Complaint narrative:
I have a loan with UNITED REVENUE CORP ( Original Creditor : XXXX  XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and UNITED REVENUE CORP ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation