vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I had been in communication with customer service reps with Simple Banking over these issues with my shared checking account which began with not having the amounts credited to my account after I placed a sum aside in the expense category feature they had in the Simple app and then transferred it to a goal. It did not make its way to that goal and become my available balance! It was {$630.00} I believe, and this happened in XX/XX/2018. I spent months upon months going back and forth with them which turned into over a year until they were taken over by BBVA and my complaints are gone now along with any hope of a resolution! Soon PNC will be taking over BBVA as well! I have already been charged close to {$300.00} with BBVA since they started managing my old Simple accounts and the transaction records they have are incomplete and displaying inaccuracies of the account balance then charging outrageous fees for insufficient funds which is not correct! Also I continually have problems logging into the online banking platform for weeks at a time with complications with passwords and secured online access that I cant even manage my money anymore! I want those fees reversed because they should never have been administered to begin with while they mismanaged the transactions thereby creating insufficient funds during the times they chose to make or accept certain ACH payments and transfers all in order to benefit from the fees charged to my account! Simple basically stole over {$600.00} from my account before BBVA came to claim nearly {$300.00} in excess fees so thats almost {$1000.00} that was taken from my account in a most nefarious manner. I have screenshots that show my balance one moment as an amount then another the next moment showing a completely different amount yet there are zero transactions on the record to prove that there was a reason for the changing sums! There was something going on with their expense and goal features in the Simple App that essentially depleted my funds by utilizing them as I was instructed to do so to help me budget better but ending up just making my budget worse off than before! There is clearly something amiss here and it can be seen by the many screenshots Ive taken over the months that show conflicting information relating to the obvious misappropriation of my account balance while Simple was the financial institution mainly used to pay certain bills ; This having ended up costing me even more with those merchants due to several returned payments and late charges after they mishandled the automatic payments each month towards the acquisition by BBVA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On the collection on Speedy Cash.keeps changing dates & .year to become a recent transaction. Information on dates are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: I.C. System, Inc.
State: CA

Complaint narrative:
I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.

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 2021-09-04 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I paid for a hair braiding class. The services were never provided I never was sent a location. I tried to reach the merchant prior to the appointment through email, call and text all were ignored. I filed a dispute with my bank. They stated it was a valid transaction and was not going to reverse my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: FL

Complaint narrative:
I opened the account in XX/XX/XXXX I closed the account in XX/XX/XXXX I paid the balance in full in XX/XX/XXXX They tried to charge me an annual Fee of XXXX  $ that started on XXXX XXXX I did not and will not pay that. 
They are are now reporting account closed but with and outstanding balance and late fees every month after I closed the account. 
XXXX XXXX XXXX Account numberXXXX Account type Credit card Responsibility Individual Date openedXXXX Status Closed. {$90.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$210.00} Balance updatedXXXX Recent payment $ XXXX  Monthly payment {$30.00} Credit limit {$1500.00} Highest balance {$1400.00} Terms NA

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 2021-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We were supposed to get an escrow refund check in XXXX or XXXX. At first I thought I might have thrown it away as we appeared to never have gotten it. We requested it another we were very cautious to make sure we didnt throw any mail carelessly but never received the second. I then asked if it could be sent electronically. They gave me instructions on how to enroll however it didnt work. According to them there is a known website issue. So then I requested it be sent via a service that could be tracked. They said it would be here Friday XX/XX/2021. I asked for the tracking info and they indicated on XXXX it has not been sent yet. I believe PennyMac is acting in bad faith and trying not to provide me our escrow refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Credit acceptance reporting delinquent. All payments made on time.

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Barclays Bank Deleware has brought forth an account they claim I was responsible for and sued me. I won the initial case on XX/XX/21 and they appealed and never showed up to the Appeal case which was in late XXXX so that is twice now that I XXXX courts have dismissed the case against me and I am not responsible for these debts yet 3 times now have requested that this be deleted from my reports and they still refuse to do so.

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: MA

Complaint narrative:
Equifax continue to use stall tactic with my dispute. Equifax continue to request for identity information I have provided multiple times. I have provided multiple supporting proof documentations showing payment made and received on time to XXXX XXXX XXXX. 

Attached please find again proof of identity and supporting documentation clearly showing payment made and received on on time. I am also attaching a copy of letter directly from XXXX XXXX XXXX clearly stating that my XXXX XXXX was received on time. Please see highlighted section.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

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 2021-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX To whom it may concern, I wanted to reach out regarding the following violations posted to my credit report 15 USC 1681 a ( 2 ) ( B ) Exclusion from a consumer report 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 U.S. Code 1681b - Permissible purposes of consumer reports I am doing my due diligence to restore my credit after one of the most toughest times in world history. As a consumer these are a violation of my rights. I am demanding that the following account be removed immediately. Account Info Account number XXXX Collection opened XX/XX/2021 XXXX  XXXX XXXX XXXX XXXX Amount {$430.00} XXXX  XXXX XXXX XXXX XXXX Amount {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I disputed a {$560.00} charge made on my Chase credit card ending in XXXX for XXXX ( a weight loss clinic in XXXX ) on XX/XX/2020. On XX/XX/2020, less than 24 hours, I returned all unopened supplements in person. The lady at the front desk only agreed to accept the returned items because she inspected them and confirmed no tampering was made. I was told the owner would contact me to the refund. I have attended no classes and the returned items have been in XXXX possession as on XX/XX/2020. The owner stated they have a no refund policy and they can not accept returned products ( although they have accepted mine ). However, the credit card dispute I filed with Chase bank was closed in XXXX favor because Chase demanded I submit a return receipt as proof. XXXX falsely claimed they did not have any of the returned items, so no refund would be made. When I provided both emails and voicemails as proof from the company stating they were indeed in possession, Chase stated a return receipt was the only proof they would accept to continue the dispute. The company perjured themselves in their official statement, but Chase would not investigate any further. They sided with XXXX. I have incurred a financial loss of {$560.00} and have received no service or product for the initial purchase made on XX/XX/2020. 

After reviewing comments on the XXXX XXXX XXXX and XXXX Consumer websites, it is clear this company is defrauding the public due to the following : - Advertising is misleading ( customers always pay more than advertised costs ) - Supplements given are not FDA approved and customers have no access to review ingredients with their primary care doctor, until they sign up for the program. 
- Staff is dressed in medical scrubs, taking medical information ( pulse, heartbeat, and medical history, etc ), but are none are licensed medical professionals. ( Violation to the public : None of your medical information is protected by HIPAA because they are not medical professionals ). 
- There is no signage posted about not being medically licensed to give healthcare advice, not is there prominent posting about their no refunds policy. 

Chase bank did not do due diligence regarding my charge dispute. Ive never had a company state that one a specific document ( return receipt ) is accepted as proof when you have documentation via email & actual voicemails left by the company admitting they committed perjury. Its as if Chase didnt want to protect the consumer given all the evidence against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: NC

Complaint narrative:
Permanent layoff since XX/XX/2020 due to covid. I found out about the repayment offer from another bank. I called last year about refinancing and again this year. I was told they could not offer refinancing at this time. I will not be returning to work due to complicated medical conditions. I am getting the extra XXXX dollars on unemployment but as of XX/XX/XXXX this will be taken away. I will be drawing XXXX only.

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 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello I would like to report Capital One Bank. They are purposely and intentionally manipulating my bank account. I can no longer make withdrawals from an ATM. If try to make a withdrawal from an ATM it will diplsay a negative balance but when I go to the official Capital Bank Office I would get a positive balance. Also the bank will put a cap on how much I can spend when I have sufficient funds in the bank. This is a reflection of my past complaint. They are regulating how much I can spend when I have sufficient funds in the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: AES/PHEAA
State: TX

Complaint narrative:
Good morning, Fedloans failed to notify all 3 major Credit Bureau ( XXXX, XXXX  and XXXX ) that the account is now {$0.00} and is closed. Ive filed a dispute with all 3 Credit Bureaus but the account remained open showing a balance. Im approved for the Public Service Loan Forgiveness that erased the entire debt! Fedloans sent a letter stating approval and showed the account is {$0.00} but did not notify the 3 Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX I`m a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation