vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. 

Please see attached documents/ ID as it contains my full complaint and request.

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 2022-01-03 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: IL

Complaint narrative:
I was taken advantage of due to Malpractice by this credit reporting agency while several laws were being broken under the FCRA by this company. This has called me financial injury, defamation of character due to their willful non-compliance. I have been denied credit from multiple lenders, I can not get a Job & have not been able to qualify for a SBA Loan due to the coronavirus pandemic because of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: DC

Complaint narrative:
I have experienced several ongoing problems with my Yamaha Motor Finance loan : - The company makes it extremely difficult to make payments above the minimum monthly payment amount in an effort to pay off the loan early. Payments above the minimum are applied to the next payments instead of principle - moving the payment due date far into the future instead. This is not clear anywhere on the website. I later found the only way to make such a payment is to pay by phone through a very lengthy process. Even then I am not able to actually make a payment purely toward principle- it will first apply part of the payment toward the next payment due first. In my case for example, my next payment due isn't for many months due to the problems noted above. This only compounds the problem noted above and keeps shifting the due date into the future and making it impossible to make a payment toward principle. 

- Amortization tables are not available and it is entirely unclear how interest is being accrued. For example, by paying down the principle earlier than the minimum payment schedule it is not clear if the interest being paid is being adjusted accordingly. 

- The loan information including loan balance on the website does not match up with the statements and payments made are not accurately reflected. It is entirely unclear if and how payments are being applied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: CA

Complaint narrative:
Or or about XX/XX/2021, I was alerted by Bank of America that it flagged several charges as potentially fraudulent. I immediately responded that the flagged charges were indeed fraudulent. The charges in dispure are : XX/XX/2021 {$10.00} XXXX  XXXX XXXX XXXX CA XX/XX/2021 {$100.00} XXXX  XXXX XXXX XXXX CA XX/XX/2021 {$21.00} XXXX  XXXX XXXX XXXX CA XX/XX/2021 {$88.00} XXXX XXXX XXXX CA Bank of America refused to reverse the charges. 

I have written to Bank of America on three occassions advising that neither I nor anyone authorized by me used my credit card in XXXX CA on or about XX/XX/2021. Indeed I was in XXXX, ID on that date. 

I have filed a police report with XXXX XXXX Sheriff Department. 

Notwithstanding my assertion that the charges are fraudulent, Bank of America ( by form letter ) replies : " we confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. 

Bank of America in in error.The charges in question were not incurred by me or anyone authorized by me. Demand is hereby made that Bank of America reverse the charges.

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 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: CT

Complaint narrative:
I have been a customer at PNC Bank since around XXXX. I have a checking account, and also own a debit and credit card. Around XX/XX/XXXX, I lost my debit card and I called PNC to report a lost card. The agent who received my call noticed that I had been a customer at PNC a long time and offered to upgrade my checking account to " Performance Select '' because I had been a customer for PNC for a long time. I asked him if there were any fees associated with the account and he said no. I agreed to upgrading my account. 

On XX/XX/XXXX, I realized that PNC made {$25.00} service charges on my checking account for each statement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

According to PNC, the minimum balance for the checking account with Performance Select was {$5000.00}, but they did not inform me that there was a minimum balance requirement for the account. Additionally, I did not receive any email, mail, or phone notifications that my account was under the minimum balance requirement or that PNC was making service charges on my account each month. 

I called PNC to resolve the issue, and they agreed to waive the service charges in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, they refuse to forgive the service charges in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
THE MEDICAL BILLS ACCORDED ON XX/XX/18 AND THE EMERGENCY ROOM HAS CONTINUED TO TRY TO SUE ME AND GARNISH MY WAGES BEHIND. When I submitted my first complaint with XXXX the company then sold my information to another company with misleading dates which were not the dates the account was XXXX. IF the account did occur XX/XX/18 which would make them near the XXXX exemption for a creditor to continue this XXXX style collection. I am so glad I only had a XXXX XXXX  and NOT covid. But that's how old this debt is. Unfortunately, I will not back down or stop from these illegal practices!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
ISSUE # 1 I have a {$20000.00} credit line. I pay the balance in full. However, after a payment is made and posted, the credit balance does not reflect such on the available credit resulting in erroneous interest charges being assessed SEE ATTACHMENT. IT shows a balance of still owing of {$17.00} when clearly it has already been paid. The {$20000.00} credit line only shows {$14000.00} when it should reflect {$20000.00}. 

ISSUE # 2 As per the Agreement, cash advances are assessed daily at XXXX interest ( ie XXXX ) computes the daily rate times the days. Why is an additional computation done for the AMOUNT? the contract only states THE INTEREST RATENO AMOUNT should be considered. This is just an underhanded way to assess a higher daily rate. the amount relevant pursuant to the Agreement is XXXX % for cash advances and 14.65 % for the use of the credit card IF NOT PAID BY THE DUE DATE.

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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am currrently in Forebearance with my loan with XXXX 

I sold the property the loan was under so that I could pay off this loan since it was a rental property and I am not getting any income and am behind on the payments with the forebearance. 

However, after selling the property the escrow closed on XX/XX/XXXX and the escrow company wired a payoff amount to the company which they considered incorrect as it was short {$980.00}. The payoff amount was calculated to XX/XX/XXXX but the escrow company prorated the pay off to the date of XX/XX/XXXX and sent a wire transfer for an incorrect amount. 

I contacted the company and at first was told I could pay the {$980.00} via a phone payment to them and then the wire transfer they rejected could be resent by the escrow company to close the loan and I would then be refunded the difference after they closed the alone between the amount actually due and the pay off amount given for XX/XX/XXXX. However, the escrow company did not receive the wire transfer back and when I spoke with management instead they insisted on refunding the {$980.00} that I payed them back to my account and that the escrow company needed to wire transfer the full amount to them or they would not close out the loan although the deed was already transferred to a new owner. 

I was given a pay off from the escrow company and now I have to wire them back money to have them resend a new payoff to the loan company as they in turn refund me the difference with the payment that I made. In additiona they are taking XXXX or more days to process and return the payment so the escrow company can not rewire the pay off amount to them yet.

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 2022-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX two outstanding bills. I advised company in XXXX, XXXX, and again on XX/XX/XXXX, with a three way call with XXXX  ( XXXX XXXX ) and my insurance company ( XXXX ) that bills are not outstanding and were paid by XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX. elec pymt XXXX and XXXX on XX/XX/XXXX amount of XXXX and chk no XXXX XXXX on XX/XX/XXXX for XXXX in spite of this the accounts were still sent to AWA collection agency. many subsequent phone calls to bith XXXX  and awa. On XX/XX/XXXX XXXX  says AWA to remove these charges. AWA says has no notification from XXXX. My acct sent to three credit bureaus XX/XX/XXXX. Now my XXXX XXXX XXXX affected by this action. I am XXXX yrs old and XXXX inefficient accounting department has caused undue stress in my life for two bills that were paid yet not properly noted as paid18 months ago. in the hospital in XXXX XXXX and XXXX XXXX XXXX  for a XXXX XXXX. this is not helping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 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: AR

Complaint narrative:
My name is XXXX XXXX and I am not a 3rd party please see the attachment documents that I have uploaded for this complaint.

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 2022-01-03 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: PNC Bank N.A.
State: PA

Complaint narrative:
We contacted XXXX XXXX XXXX about a refund for XXXX separate charges in which we were to receive a brand new phone number, as our emergency cell phone was ringing off the hook. Each time they sent us a RECYCLED number, which had the same issues of non-stop calls and messages from people we didn't know. 

XXXX XXXX XXXX said they had 'no apparatus ' to start a refund, and that if we wanted a refund to 'contact our bank/credit provider. ' We were told this over 5 times. 

We contacted PNC bank and started a dispute. PNC bank contacted us and refused, stating no billing error had occurred, even though we explained it was not a billing error. 

I contacted a manager in the dispute department at PNC, to whom I explained what had happened. She stated XXXX do not dispute prepaid phone charges ( Which makes no sense ) and said she would 'resubmit ' the disputes after I explained what had happened with the purchases. 

PNC notified us they had once again declined the disputes as there was no billing error. For over one month I have tried to contact the dispute department manager at PNC. I was told on XXXX separate occasions that she would call back the same day. She never did. 

I contacted XXXX XXXX XXXX, our PNC Private Client Advisor, who notified this manager that she should contact us as it was urgent. She never called. The dispute department says she is 'busy ' when I call, and refuse to connect me with her or another manager. 

Today, XX/XX/22, I called and PNC Private client advisor XXXX, MLS ID # XXXX ' stated that both the dispute and retail service departments had declined my phone call. There is a woman named XXXX XXXX XXXX who supposedly is in charge of this problem, and I have emailed her XXXX  times, called XXXX times and have yet to hear from her ( She did actually call at one point, but has not tried to contact us again, despite repeated attempts. She also never answers her phone. ) I'm so fed up with this ; this is beyond dispute, as XXXX XXXX XXXX has stated specifically to contact our bank. The bank is taking the position to do nothing, which is hard to believe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03 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: LA

Complaint narrative:
had a auto loan with finance company in XXXX  the finanace company did a charge off that was 9 years ago try to contact experian but could not get any help on this did a dispute and still no help after 9 years this should be off of 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
Consumer complaint received 2022-01-03 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: AmerAssist A/R Solutions, Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. 

Please see attached documents/ ID as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. 

Please see attached documents/ ID as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am having an issue with a credit card company : Citibank. I have had a credit card with them for many years. 

Back in XXXX of XXXX, I had a promotional zero percent interest offer which was set to expire on XX/XX/2021. If not paid in full by XX/XX/XXXX, the interest would increase from zero to 15.24 % I paid the balance in full but the payment arrived one day EARLY on XX/XX/XXXX. Instead of applying my payment of {$4800.00} to that zero percent offer, they instead allocated that payment to my 2nd promotional balance which was subject to special rate of 1.99 %. 

This allocation error caused my account to now have a balance of {$4800.00} to be charged at 15.24 % rate. 

After calling them several times on XX/XX/XXXX they finally agreed to refund my payment of {$4800.00}, send it back to me so that I could send it to them again. They told me that they would not charge me any excess interest for the lag time in days that would occur over the time it would take for them to refund my payment and for me to pay it a second time. 

I have been charged 15.24 % interest every month since XXXX. Each month I am told they will finally fix the issue but they continue to charge me excess interest each month on the entire amount {$4800.00}. Instead of applying my payment of {$4800.00} to pay off that 0 % special promo offer, they show {$4800.00} each month as a standard purchase at 15.24 % interest.

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 2022-01-03 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened a Macys credit card to purchase my dress and take advantage of the promo the sales woman prompted. If I would have known all of this was going to happen and affect my credit I had the cash and could have paid that day. I gave the service agent at Macys my ID but also provided my new address. I never received a bill and they called me about a past due bill which I paid that day. I explained to the rep I never received a bill and confirmed my mailing address which they confirmed was wrong. I then gave them my address again. They are reporting a late payment on my credit which if you look at all other accounts I have never fallen delinquent. This is in violation of my consumer rights and is affecting my credit worthiness. The XXXX should be reporting this as paid and this should be removed from my credit history as it was originator error. Please find remedy immediately or I will be forced to file suit for XXXX, XXXX which each regulatory finding has a statutory damage up to {$1000.00} per finding. This is once again affecting my credit worthiness due to originator error.

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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I completed a Loan Forbearance agreement with Flagstar Bank beginning on XX/XX/XXXX I expected the Forbearance to last 3 months and that the best option for me would be to add the missing payments to the end of the loan period. 

During the Forbearance agreement time period I was subject to harrassment ( in the form of system phone calls asking me to call their 800 number immediately ). 

In XXXXXXXX, during one of those return calls, I agreed to end the Forbearance in XXXX, XXXX with an extension of payments of 3 months at the end of the loan period. I was told I would receive a letter documenting this conversation and agreement and it was never received. 

I continued to receive the same phone calls and repeated myself to the customer service rep each time, that I had agreed to end the Forbearance in XXXX with the 3 months of payments added to the end of the loan. Each time I was told that a letter would be sent with this explanation but none was ever received. 

Finally, on XX/XX/XXXX, during another phone call and return to Flagstar, I was told that a letter had been sent on XX/XX/XXXX ( I had not received it ) detailing the terms. Since a payment was going to be due on XX/XX/XXXX and my online account did not reflect the agreement the Flagstar rep told me that I could pay the amounts online and it would be resolved as part of the agreement. 

On XX/XX/XXXX I paid the total amount 'due ', representing 4 months of payments as I assumed that it would all get worked our per the rep 's input. 

On XX/XX/XXXX I received the letter dated XX/XX/XXXX with a phone number to reply, I called the phone number and the rep was unable to resolve the issue with applying the payments forward per the agreement. I was also told that these payments should have been made 'by phone ' for 3 months, something that had never been mentioned before. If that was the case then the Flagstar portal should not have accepted the payments. The rep said he would research all of this and reply with an hour by phone, I have not received a return phone call. 

All I want is for Flagstar to live up to its agreement to move the payments due during the 3 month Forbearance to the end of the loan and apply the 4 payments they received on XX/XX/XXXX to the months XXXX, XXXX, XXXX, and XXXX of XXXX. I also don't want them making any claims against my credit ( per the law ). They seem far more interested in harrassment and not providing the truth than anything else ( certainly not a fair resolution of my situation ).

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