vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: WA

Complaint narrative:
In regards to resolving a issue, I reached out to an attorney in XXXX and there was no way to get a hold of them to resolve this issue so now I am reaching out to the CFPB to get this resolved. 

This email is sent from an general attorney on base XX/XX/2019. 

Good Afternoon Ma'am, I have been trying to get in contact with the leasing office since we met. I have left voicemails and have not had any of my calls returned. I will draft a letter requesting information and request your deposit, additional rent, and cost for the carpets be refunded to you immediately. Because of the time difference, if it is at all possible for your husband to go to a local Legal Assistance Office, they may have better communication capabilities with the apartment complex. 

Before I send the letter, I will provide you a copy for review. Please let me know if you have any questions. 

XXXX, XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX Legal Assistance XXXX FOR OFFICIAL USE ONLY. Information contained within this document or its attachments may contain personnel information, disclosure of which is generally prohibited by the Privacy Act ( 5 U.S.C. 552a ).  Protected information included in this document or its attachments are in accordance with section ( b ) 1 of the Act which permits disclosure to individuals within the Department of Defense ( DoD ) with an official need to know. Release of such protected information outside of DoD is prohibited.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Causing people financial hardship during covid I called in XXXX, XXXX and XXXX regarding mine and my sons account. Requesting some relief due to Covid. I was told the only relief they were offering was extending promotional purchases so that your bill was not slammed with interest charges. It was only effective for 30 days and you had to call every 30 days to extend it which I did and they only notated my account for the call in XXXX and they charged me interest charges still in XXXX, XXXX and XXXX in the amount of almost {$1100.00} total which is outrageous with everything going on and they charged my son 's account {$300.00}. So from us calling in for relief instead we {$1400.00} more in debt and they now play XXXX when you call and they you are calling out of the country and I literally stayed on hold for almost an hour while they were trying to locate a supervisor till I just hung up. I will report them to as many people as I have to until they fix this. This is horrible what these companies are doing to people when people can barely pay rent. And I am a XXXX on the front line.

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 monetary relief
Consumer complaint received 2020-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
I signed up for a checking account to earn a {$300.00} promotional cash bonus. I have completed all terms and the time period within which I Was supposed to receive the bonus has elapsed. I have called and sent messages to the institution and have not gotten anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC Bank no longer accepts connectivity with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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:
Need PNC bank to connect my account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: WI

Complaint narrative:
Im unable to link my account to my XXXX and XXXX accounts for automatic payments. This makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Tried to link existing account from PNC to XXXX so I can apply for PPP. 

I got an error message saying recent changes to PNC make it impossible to link.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
As of XX/XX/2020 - XX/XX/2020, I have been mailing my dispute letters to the following credit bureaus ; XXXX, Experian, and XXXX. My first dispute letter was back in XX/XX/2020 using the regular mailing system. The last two dispute letters was the months of XXXX and XX/XX/2020  through certified mailing to be able to track my mailing and I still have not heard a response from either creditor agency.

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 2020-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Hello, I had an auto loan from bridge-crest for a vehicle which was closed a few months ago. And i never had one late payment and paid every time on schedule. When I went to send in my final payment to close the loan early and in full, they failed to process my last check. This could have been very easy for them to resolve by simply calling me if they had an issue, as I would have just made an electronic payment as well if need be. Also they were pushing me very hard to purchase another vehicle and get another loan through them even after I had told them I didn't want or need a new car. This is quite frustrating as i called several times to resolve this and they refuse to change my last payment to on time. It is showing over 30 days late which is killing my credit score. I believe this is a nefarious attempt by the lender to be able to charge me a higher interest rate on another loan. I would never be late on any of my payments. If you look at my account history you will see every payment to them was on time and i feel this is very unfair and negatively impacting my life as a whole at this point. Very difficult to get an apartment or live any where with this negative item on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TN

Complaint narrative:
Afni, Inc has placed a collection on my credit profile for {$78.00}. The alleged original creditor is XXXX. I have NEVER had services with XXXX. This erroneous collection is tarnishing my credit worthiness when it shouldnt even be on my credit profile to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint mortgage company sold my mortgage to XXXX XXXX XXXX on XX/XX/20. They refused to accept my mortgage payment because they were concerned it would not be routed properly and informed me to instead make the payment to XXXX XXXX XXXX. Spoke to a representative named XXXX XXXX who informed me that I was protected from any derogatory reporting for 60 days per RESPA guidelines and because I am a California resident. On XX/XX/XXXX, I received alerts from several credit monitoring services informing me that Shellpoint inaccurately filed a derogatory rating for 30 day late payment in XXXX, during the required RESPA period. I want this inaccurate information removed from credit history immediately since it is affecting my ability to obtain a home improvement loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I received the following e-mail on XX/XX/20 : Important information from Chase Support XXXX XXXX XXXX Note : This is a service message with information related to your Chase account ( s ). It may include specific details about transactions, products or online  services. If you recently cancelled your account, please disregard this message. 


Dear Chase Customer : We need your help resolving an issue with your account, Until you help us resolve this issue, we've temporarily suspended your account ( s ). 

To resolve this issue, log in using the link below : www, chase,  com/resolveandupdate complete the steps to confirm your identity and recent account activity For any questions, please contact XXXX   customer service representatives Monday through Friday, Online chase Sincerely, Online Banking Team

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/20 i checked my Experian report and its still showing numerous addresses and numerous phone numbers that i haven't live in over 10 years i have tried to dispute this in the past but nothing has changed

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 2020-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
To the best of my knowledge there is an erroneous lien from XXXX XXXX on my property in the amount of {$240000.00}. It is listed on the records for XXXX County, NJ as a XXXX judgment from XXXX. 

I did in fact go to the brink of foreclosure with XXXX XXXX in XXXX. But I was given a loan modification through them in XXXX. In other words, we reached a deal. So the judgment should be erased. 

Complicating matters, Loancare bought my mortgage in XXXX. 

Never have I missed a payment since the modification. 

Loancare is not addressing the matter. They gave me a case number. That was it. I previously contacted XXXX XXXX which says even though they placed the judgment on my records it is now Loancare 's  responsibility to fix the problem. 

My realtor brought the problem to my attention when I inquired about selling my home. 

I realize the banks are overburdened right now, but this is an ideal time for me to put the place up for sale. The lien makes that impossible.

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 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX company sold my mortgage to XXXX XXXXXXXX XXXX on XX/XX/20. They refused to accept my mortgage payment because they were concerned it would not be routed properly and informed me to instead make the payment to XXXX XXXX XXXX Spoke to a representative named XXXX XXXX who informed me that I was protected from any derogatory reporting for 60 days per RESPA guidelines and because I am a California resident. On XXXX XXXX, I received alerts from several credit monitoring services informing me that XXXX inaccurately filed a derogatory rating for 30 day late payment in XXXX, during the required RESPA period. I want this inaccurate information removed from credit history immediately since it is affecting my ability to obtain a home improvement loan.

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 2020-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
XX/XX/2020 My full payment was applied as listed below ( {$33.00} principal + {$490.00} interest ) I discussed this on a chat with them, and they claimed it was compound interest about a month or two ago not sure of the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My credit was reported that i mixed 2 payments and the balance of my loan was reported wrongs as well i will want that to be corrected on updated on my credit reporting because i have filed a compliant in that regard. 
My Loan balance {$150000.00} -- -- -- -- -- -- -- -- -- -- -- -- {$270.00} Apply to the principal of my loan loan balance is {$150000.00} is my loan balance as of today. please stop reporting false reporting to my credit. 
and i want that corrected. because we had a deal that you said i don't have to pay and even at that the deal was fake but i still made my payments. you went ahead and reported false report to my credit. 
please don't get me in you false bank scam i don't want to be involve in that. i want you to report all my payment and you said that no payment was made which id a false claim too i paid over {$2800.00} IN XXXX AND XXXX alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
i've already made a complaint and the bank called me but when i try to call back i can't go through this needs to be resolved before XX/XX/XXXX when they take the temporary credit back for fraud. I got a notice unable to pay for my 2 claims XXXX total which the credit should be permanent as my debit card was unauthorized used and stolen.

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 2020-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
They are charging me XXXX interest on a XXXX balance without any notice. They are charging deferred interest on the entire balance since XXXX even tho the balance was already paid partially off. only XXXX should be charged interested they are charging interested on 30 months of the entire purchase from XXXX to now even tho some payments were made. They also said there was no way to apply to older promotion balances only online unless we call every payment and tell them to apply it to older promotional balance.

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 monetary relief
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AmeriCollect
State: WI

Complaint narrative:
( 5 ) new postings to all three credit bureaus for medical bills to XXXX XXXX and subsidies for medical bills filed bankruptcy XXXX Wisconsin has a law about medical bills should not go into collections or credit file anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit was reported that i mixed 2 payments and the balance of my loan was reported wrongs as well i will want that to be corrected on updated on my credit reporting because i have filed a compliant in that regard. 
My Loan balance {$150000.00} -- -- -- -- -- -- -- -- -- -- -- -- {$270.00} Apply to the principal of my loan loan balance is {$150000.00} is my loan balance as of today. please stop reporting false reporting to my credit. 
and i want that corrected. because we had a deal that you said i don't have to pay and even at that the deal was fake but i still made my payments. you went ahead and reported false report to my credit. 
please don't get me in you false bank scam i don't want to be involve in that. i want you to report all my payment and you said that no payment was made which id a false claim too i paid over {$2800.00} IN XXXX AND XXXX alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: VA

Complaint narrative:
I am writing to dispute the mixed credit report that Equifax has caused by inaccurately reporting my credit information. On XX/XX/2020, I notified Equifax via fax of my name change due to marriage and receipt of my new name was acknowledged by an Equifax agent via telephone. 

On XX/XX/2020, XX/XX/2020,XX/XX/XXXX, XX/XX/2020, XX/XX/2020, I notified Equifax The inaccurate merging of my credit information, such as my name change from XXXX XXXX XXXX to XXXX XXXX XXXX is inaccurate because when myself or a credit lender attempts to request my credit file with your agency, we each receive the same error no data available. 

On XX/XX/2020, I requested an online credit report with XXXX  IXXXX under XXXX XXXX XXXX and my Equifax credit reported no data. 
On XX/XX/2020, I requested an online credit report with XXXX XXXX under XXXX XXXX and my entire Equifax credit reported all of my current file. 

After months of multiple calls and faxes, my Equifax credit report has reported inaccurate information on my credit report for 4 months ( XXXX - XX/XX/2020 ) from my current lender XXXX XXXX XXXX, resulting in inaccurate credit score. 

Enclosed are copies of error messages from XXXX and letters from lenders unable to access my Equifax credit file supporting my position. I have retained an attorney to provide assistance with this on-going matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: GA

Complaint narrative:
I was mailed my unemployment card. I used my card to withdrawal money on XX/XX/2020 at XXXX XXXX. I tried to use my card again to withdrawal money and it would not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I tried to get capitol one to remove derogatory info on my report removed. They have 2 accounts showing derogatory amounts of {$660.00} and {$1000.00}. But its the same account # XXXX for both accounts reporting. I disputed this with them in XX/XX/2920 and they said accounts were verified. 2 amounts and 2 accounts that are reporting both as derogatory. To my knowledge my account was paid and then closed by me in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my Credit report I notice that were inaccurate accounts that are reporting incorrectly that are not mine. On XX/XX/2020 I wrote Experian about these accounts that are harming my credit profile. THEY HAVE FAILED TO REPLY BACK TO ME. PLEASE DELETE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT.

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