vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC
State: OK

Complaint narrative:
-Entered into debt management company XXXX XXXX XXXX on XX/XX/XXXX -Served with notice of suit on XX/XX/XXXX by Machol & Johannes LLC . representing XXXX  XXXX XXXX ( XXXX ), XXXX -The debt management company was receiving payments for the debt to XXXX  XXXX and forwarding payments to XXXX  XXXXMachol & Johannes LLC in the amount of {$85.00} -Signed a stipulation agreement document agreeing to pay the debt through the debt management company on XX/XX/XXXX -Machol & Johannes LLC . wanted additional funds in the amount of {$90.00} to be deducted directly from my checking account ( I complied with the request ) -Machol & Johannes LLC . agree to this agreement and then on secured a judgment with XXXX County Courthouse on XX/XX/XXXX, while receiving the payments as agreed. 

-Contacted Machol & Johannes LLC . concerning the judgment and was basically informed that " there was nothing that they could do, oh, well. '' -The debt is now paid in full, however, there is a judgment on my credit report for a debt I had an agreement to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
-Entered into debt management company XXXX XXXX XXXX on XX/XX/XXXX -Served with notice of suit on XX/XX/XXXX by XXXX XXXX XXXX XXXX . representing Capital One Bank ( USA ), N.A -The debt management company was receiving payments for the debt to Capital One and forwarding payments to Capital OneXXXX XXXX XXXX XXXX in the amount of {$85.00} -Signed a  stipulation agreement document agreeing to pay the debt through the debt management company on XX/XX/XXXX XXXX XXXX  XXXX XXXX . wanted additional funds in the amount of {$90.00} to be deducted directly from my checking account ( I complied with the request ) -XXXX XXXX XXXX XXXX XXXX agree to this agreement and then on secured a judgment with XXXX County Courthouse on XX/XX/XXXX, while receiving the payments as agreed. 

-Contacted XXXX XXXX XXXX XXXX . concerning the judgment and was basically informed that " there was nothing that they could do, oh, well. '' -The debt is now paid in full, however, there is a judgment on my credit report for a debt I had an agreement to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I would like to link my account with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Santander is reporting the wrong balance on all 3 Credit Bureaus the remaining balance is {$13000.00} This car was reported as stolen in XX/XX/2019 GAAP insurance Company XXXX XXXX XXXX XXXX released {$10000.00} to SANTANDER CONSUMER USA for Comprehensive coverage, which is the settlement that is agreed on. It is my belief that Santander is reporting A balance of {$13000.00} to deceive me into paying them the extra money for a stolen vehicle. Santander has been reporting me as late to the Credit Bureaus even though I reported the vehicle stolen immediately. Then they listed the account as a chargeoff which took my credit score down even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XXXX I attempted to open a savings account AT XXXX XXXX with funds from PNC Bank. 

PNC blocked the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
It says that PNC change their accounts, so we cant connect with these Companies that help people get through to Payday. I know it for our safety but if we can make it without these Companies. I feel if I want connect my bank account then I should be able to connect my account. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX is reporting the wrong balance on all 3 Credit Bureaus the remaining balance is {$13000.00} This car was reported as stolen in XX/XX/2019 GAAP insurance Company XXXX XXXX XXXX XXXX released {$10000.00} to XXXX XXXX XXXX for Comprehensive coverage, which is the settlement that is agreed on. It is my belief that XXXX is reporting A balance of {$13000.00} to deceive me into paying them the extra money for a stolen vehicle. XXXX has been reporting me as late to the Credit Bureaus even though I reported the vehicle stolen immediately. Then they listed the account as a chargeoff which took my credit score down even 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 2020-04-29 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: CA

Complaint narrative:
I am a victim of identity theft/fraud. I originally notified Experian on XX/XX/XXXX of a XXXX XXXX account that was opened fraudulently in my name. I provided all required documentation including my Proof of Identity and social security card, FTC report and the 605B Notice to Furnishers so that the account can be BLOCKED per my rights given when notifying a furnisher that I am a victim of identity theft. Since XX/XX/XXXX, Experian has re-inserted this fraudulent account TWICE. The first time was on XX/XX/XXXX and the second time was on XX/XX/XXXX. On BOTH occasions I called into Experian and the reps I speak with LIE and COMPLETELY DISREGARD THE LAW. Today on the phone the Experian rep had the nerve to tell me that in lieu of my call she sent a notice to XXXX XXXX informing them of my dispute ( even though I have written them twice and never received a response ). 
I told her that is NOT a solution and asked her to confirm she will be BLOCKING the account, and at that time she said they could not remove the account until they hear back from XXXX  XXXX. 
She could not confirm that XXXX XXXX provided the appropriate documentation to support their request to rescind/re-report the fraudulent account. This documentation is all what is clearly stated to be required under FCRA 605B. 
Specifically, the CRA can only reinsert information blocked as a result of an identity theft affidavit if one or more of the conditions set forth under FCRA 605B ( c ) ( 1 ) are present. 
Notice of the rescission of a block is then required to be provided to the consumer in the same manner as is required when information that was previously deleted from a consumer 's credit report after a prior dispute is reinserted, using the notice requirement set forth under FCRA 611 ( a ) ( 5 ) ( B ). 

When I asked the experian rep to confirm that she could in fact see that I submitted all of MY required documentation back in XX/XX/XXXX and that they have already blocked and reinserted this account once before and here we are AGAIN. She CONFIRMED that she saw the FTC report and when I followed up asking her to confirm WHAT EXACTLY WERE THEY PROVIDED BY XXXX  XXXX THAT WOULD LEAD THEM INTO THEIR DECISION TO RESCIND THE BLOCKED ACCOUNT, she just stayed quiet and said NOTHING!! She then transferred me to her boss XXXX and I got nothing but his voicemail. I am sick and tired of Experian breaking the law. If they do not fix this mess and BLOCK this account ONCE AND FOR ALL I WILL FILE SUIT AGAINST THEM and seek all damages available to me by law.

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 2020-04-29 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: SC

Complaint narrative:
XXXX is reporting the wrong balance on all 3 Credit Bureaus the remaining balance is {$13000.00} This car was reported as stolen in XX/XX/2019 GAAP insurance Company XXXX XXXX XXXX XXXX released {$10000.00} to XXXX XXXX XXXX for Comprehensive coverage, which is the settlement that is agreed on. It is my belief that XXXX is reporting A balance of {$13000.00} to deceive me into paying them the extra money for a stolen vehicle. XXXX has been reporting me as late to the Credit Bureaus even though I reported the vehicle stolen immediately. Then they listed the account as a chargeoff which took my credit score down even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: SC

Complaint narrative:
XXXX is reporting the wrong balance on all 3 Credit Bureaus the remaining balance is {$13000.00} This car was reported as stolen in XX/XX/2019 GAAP insurance Company XXXX XXXX XXXX XXXX released {$10000.00} to XXXX XXXX XXXX for Comprehensive coverage, which is the settlement that is agreed on. It is my belief that XXXX is reporting A balance of {$13000.00} to deceive me into paying them the extra money for a stolen vehicle. XXXX has been reporting me as late to the Credit Bureaus even though I reported the vehicle stolen immediately. Then they listed the account as a chargeoff which took my credit score down even 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 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
We modified our mortgage 18 minths ago with Carrington mortgage services.

And with covid 19 we asked for a forbearance and the mortgage servicer when applying online says they will get back to you in 7-10 days. Waited and then called.

Talking with the mortgage servicer they say we dont qualify but we applied online thru our account. No one was ever going to call us. They said they asked a supervisor and we dont qualify because we are conventional. We would have to apply for mortgage assistance that could take 30 days from application received complete and accepted to start process of forbearance or modification. With it taking 60-90 days to get a answer. 
They modified us into a loan in which now we are stuck under whatever rules they decide. Its like they want people to get in deeper with them. I feel the website makes it look loke they help you but why couldnt they say when on website your loan doesnt qualify immediate. Why let consumers wait and hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC wont allow me to share data with 3rd party apps that Ive authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft/fraud. I originally notified XXXX  on XX/XX/2019 of a Capital One account that was opened fraudulently in my name. I provided all required documentation including my Proof of Identity and social security card, FTC report and the 605B Notice to Furnishers so that the account can be BLOCKED per my rights given when notifying a furnisher that I am a victim of identity theft. Since XX/XX/XXXX, XXXX  has re-inserted this fraudulent account TWICE. The first time was on XXXX and the second time was on XXXX. On BOTH occasions I called into XXXX  and the reps I speak with LIE and COMPLETELY DISREGARD THE LAW. Today on the phone the XXXX  rep had the nerve to tell me that in lieu of my call she sent a notice to Capital One informing them of my dispute ( even though I have written them twice and never received a response ). 
I told her that is NOT a solution and asked her to confirm she will be BLOCKING the account, and at that time she said they could not remove the account until they hear back from Capital One. 
She could not confirm that Capital One provided the appropriate documentation to support their request to rescind/re-report the fraudulent account. This documentation is all what is clearly stated to be required under FCRA 605B. 
Specifically, the CRA can only reinsert information blocked as a result of an identity theft affidavit if one or more of the conditions set forth under FCRA 605B ( c ) ( 1 ) are present.

Notice of the rescission of a block is then required to be provided to the consumer in the same manner as is required when information that was previously deleted from a consumer 's credit report after a prior dispute is reinserted, using the notice requirement set forth under FCRA 611 ( a ) ( 5 ) ( B ).
When I asked the experian rep to confirm that she could in fact see that I submitted all of MY required documentation back in XXXX of XXXX   and that they have already blocked and reinserted this account once before and here we are AGAIN. She CONFIRMED that she saw the FTC report and when I followed up asking her to confirm WHAT EXACTLY WERE THEY PROVIDED BY CAPITAL ONE THAT WOULD LEAD THEM INTO THEIR DECISION TO RESCIND THE BLOCKED ACCOUNT, she just stayed quiet and said NOTHING!! She then transferred me to her boss XXXX and I got nothing but his voicemail. I am sick and tired of Experian breaking the law. If they do not fix this mess and BLOCK this account ONCE AND FOR ALL I WILL FILE SUIT AGAINST THEM and seek all damages available to me by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
Statue of limitations have passed : called the credit card company have no idea of what I was talking about. Not on my credit report. I advised them not to touch my bank account or that will be a theft, no idea what they were taking about from 2006

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 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: PNC Bank N.A.
State: PA

Complaint narrative:
trying to link XXXX  company to my PNC checking account but a security issue is preventing this transaction to take place ( XX/XX/20 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
I checked my credit report and seen some inaccurate information for a XXXX dollar medical bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Can't access XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
Navient Currently I am under an income driven repayment plan The established monthly fee is substracted automatically from account every XXXX of the month. 
Several times a year ( XX/XX/2020 ) my payment was only to pay interest no principal. According to Navient my payment was not ontime ( after my complain, I received a " copy-paste '' letter saying that ) Currently I have paid almost XXXX dollar of my loan and the balance remains unchanged ( almost XXXX ). I am struggling to make this monthly payment, but I rather make an extra effort to avoid interest to buildup, but I feel this extra effort is not worth it. I feel I am being robbed every month when my payment is deducted. 
Is incredible that paying a student loan from navient is more expensive that paying for luxury item on a retail store using the store credit card. 
Everytime I call Navient, I am wrong and they are correct. 

On every XXXX, always verify the amortization of each payment. When I see XXXX to principal and XXXX to interest my blood begins to boil. Then calling Navient and/or writing an email feels like when your parents are grounding you for something you didnt do. How unfair Navient should be here to help us, they are administering money from tax payer XXXX my money ). Its a shame Thanks PS in picture attached you will see there is no payment during XXXX My IDR plan had to be renewed. 
I received an email, followed every instruction then received a confirmation email that everything was on order, later I received a confirmation letter. ( everything was OK ) When I received my bank statement I noticed there was no payment for Navient on XXXX, I also started receiving threats from navient that my account was due and was going to be reported. 
I called Navient immediately and they told me that the process I made online was not for the private loan, that the private loan IDR is only by phone ( i didnt know that ) As you can see XXXX fee was only to pay interest and XXXX fee was only to pay interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Can not link PNC account to any services XXXX, XXXX XXXX, XXXX XXXX PNC has a lock on the service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have tried linking my PNC account to XXXX and XXXX XXXX to send money and make deposits, but I keep getting an error message saying PNC has made changes that make it impossible to link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a total of XXXX  insufficient funds fee from XX/XX/2020 through the present date totaling an amount of {$1000.00}. Due to the coronavirus our household income has reduced dramatically and I am the only person with income in the household. I feel taken advantage of every time I attempt to rectify the situation because I am a senior. I was unaware of the amounts of fees being taken from my Social Security income deposited monthly to Chase. I have been a loyal customer for 10 + years and no other options have ever been presented to me by the customer service and no one ever seems to want to help. Again due to my financial crisis caused by this pandemic, I started looking into my account and noticed all the fees charged to me just in this year alone. 
I feel that the total amount of fees should be refunded as a financial hardship courtesy and other options to avoid these fees should be explained to me. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank will not let an online savings account link with my account. I signed up for an online savings account with XXXX XXXX and can not verify my PNC account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Trying to link my account with XXXX  to PNC. I can do this with XXXX but not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Cant transfer funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I was involved with a car loan company which sold my account to a third party that I never had a contract with, I never recieved any information about this company, and now it is effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On or about XX/XX/20 Capital One Bank refused to give me an adverse action letter after being denied credit in violation of the ECOA.

Company response to consumer: Closed with explanation