vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
BBVA Compass bank purchased by PNC Bank. Email correspondence informed customers that online banking login from Compass Bank BBVA would still work with PNC. I am able to login, but do not see my personal checking account, business checking account or business line of credit. I need to pay my contractors, pay payroll tax, pay myself, and can not access money. I am currently traveling and unable to go to a branch in person. 

Tuesday XXXX XX/XX/XXXX - unable to access personal checking account, business checking account, business line of credit. Emailed long time BBVA Compass bank contact, now a PNC employee. No response. 

Tuesday - called local PNC branch in XXXX ( XXXX ) XXXX several times, finally spoke to a teller who informed me they are having serious issues with many many customers and my accounts should show up by the end of the day. In the meantime, I called PNC XXXX, and waited on hold for more than 45 minutes several times. Never spoke to anyone at the 800 number. 

Wednesday XX/XX/XXXX - Still no account access. Called XXXX and waited on hold again for more than an hour. Nobody every answered. Called the local branch again and now nobody answers that line. I visited XXXX and the XXXX XXXX account, where they have the audacity to tweet they 'are here to help ' and there is obviously someone managing that account. I sent them a direct message several times and tweeted about my frustration. There are many others that chimed in that are having the same issues. The website appears to be down so now I can not login at all. 

Thursday XX/XX/XXXX - Still no account access. Still no account access. Called XXXX and waited on hold again for more than an hour. Nobody every answered. Called the local branch again and now nobody answers that line. More people on XXXX voicing frustration, and I even see XXXX XXXX active on XXXX, but no response to my tweets or direct messages. Some people are leaving phone numbers, I have called and left messages for PNC employees. 

I don't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
Divorce XX/XX/2016. XX/XX/2016 ex wife took out a modification loan, used forgery with my signature and the bank never verfied information. The documents where sent to a XXXX XXXX XXXX had no access to retrieve mail as the XXXX XXXX XXXX to her daughter from another marriage. The bank never check full documents and now the bank refuses to help me with this matter. The end results I would like is the bank remove me from the account and to report the removal to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: MD

Complaint narrative:
On XXXX, I had received an alert through my credit monitoring that there was a new collection account reported. I immediately checked on this alert to find that a collection with an open date of XX/XX/2021 reported to all three credit bureaus for the first time. This came as a shock to me for several reasons. I've been in the process of purchasing a newly built home and have opened each and every piece of mail I've received since going under contract at the beginning of the year. I also am signed up with informed delivery through the XXXX which provides me with a daily scanned image of what's being delivered in my mailbox each day. I immediately knew this was going to be a financial and emotional challenge since my loan officer needed to update my final credit report to close on my home. The new collection has now disqualified me for the program I qualified for in which I could afford. This is turn has jeopardized my XXXX deposit on hand with the new home builder and placed me in a position where my child and I dont have a place to move to since my current rental has already been rented out. I had contacted XXXX directly to inquire on the debt. The only correct piece of information that they had for my account was my name. Any correspondence was sent to the address where service was held many years ago. The information provided didnt bode well with me based on dates of service and date of last bill and last payment made. I inquired on paying them in full in exchange for them instructing their hired collection agency to retract the debt. She informed me that they cant do that ; however, if I call collection company, they can help. I then called the collection agency and they too had no correct contact info. They didnt have a correct number to call me at and they mailed one debt notification to an incorrect address ( which allegedly wasnt returned ). I stated that I was willing to pay them in full in exchange for a deletion and was told theyd only report it as paid in full. This is completely unfair as I never was given any opportunity to validate the debt or rectify the situation. I had to learn about it based on an alert stating I had a new collection. I cant face telling my son that his XXXX present of having his own home, a determination Ive worked so hard on getting him as a single mother, was taken away from us, and that he will need to change schools since there isnt anything affordable to rent where hes been established.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I currently have XXXX XXXX XXXX XXXX account ( XXXX ) with Navy Federal with a limit of {$1000.00} I requested a credit limit increase and was denied. Stating Youve reached Navy Federals Maximum unsecured credit limit.

What is the definition of unsecured credit limit?

Federal Law does not define unsecured credit limit.

When I entered into this consumer credit transaction I extended credit to Navy Federal. When Navy federal pulled my consumer report that inquiry was a receipt showing that the consumer credit transaction in fact took place however I did not benefit from it.

With Navy Federal denying my credit limit increase this is a direct violation of 15 U.S. Code 1691 ( a ) ( 3 ) as It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised ANY right under this chapter. 

I have in good faith extended credit by a consumer credit transaction using my social security number which is by law under 15 U.S. Code 1602 ( I ) is a credit card to Navy Federal who has denied me access to my open end consumer credit plan.

Pursuant to 15 U.S. Code 1635 ( a ) Navy Federal also failed to clearly and conspicuously disclose my right of recession. NAVY FEDERAL failed to provide the appropriate forms to exercise my right to rescind this consumer credit transaction.

NAVY FEDERAL is BOTH civilly liable and Criminally liable. Pursuant to 15 U.S. Code 1611 ( 1 ) Navy Federal failed to provide my right to rescind this transaction which is required shall be both fined {$5000.00} and imprisoned not more than one year.

Since Navy Federal is in direct violation of the Truth In Lending Act and the Equal Credit Opportunity Act they are civilly liable pursuant to 15 U.S. Code 1691e ( a ) for actual damages and pursuant to 15 U.S. Code 1691e ( b ) any creditor who fails to comply with any requirement imposed under the Equal Credit Opportunity Act shall be liable to the aggrieved applicant for punitive damages in an amount of {$10000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: I.C. System, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with MIDLAND FUND plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I called National Credit Systems on XX/XX/2021 to discuss a collection account on my credit for XXXX XXXX. After speaking with XXXX ( a Supervisor ), he stated he was not going to budge on the account and that he was working on behalf of the apartment complex. He stated he had no decision capability and that it was up to XXXX XXXX. 

So I called XXXX XXXX and spoke with XXXX on XX/XX/2021, the property manager, and she stated that there is no record of me, or of an outstanding balance. In the attached letter, you will see the property complex was sold, and along with any outstanding debts would have been included. Therefore, the collection account that is reported by National Credit Systems needs to be removed and all collection activity needs to cease as the letter from XXXX XXXX states I have no outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
The 3 Credit Bureau is reporting inaccurate information on SW CRDT SYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NJ

Complaint narrative:
I sent in a letter certified every 60 days certified with a copy of my social ID bank statement and FTC report. It's been 8 months and nothing been done. my last certified letter was sent in on XX/XX/2021. I sent in copies of proof of my identity and the letter they should have on file already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Company name : Wells Fargo Company name : XXXX Originally made a purchased on XXXX on XX/XX/2021. Returned the products as I no longer needed them. Received refund on the purchase on XX/XX/2021. 

XXXX had charged me again on XX/XX/2021 for the same purchase and I filed a claim with Wells Fargo on XX/XX/2021. I let the representative know the details of the situation. After speaking with multiple departments from Wells Fargo, I have now learned that the claims assistant should have filed the dispute as " unauthorized '' instead of " fraud ''. The claim is now over and I have " lost '' the claim. Wells Fargo is no longer willing to help their customer of over 10+ years.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
in XXXX of 2021 i went for a FREE consult at XXXX  gym. i signed up for monthly membership fee of XXXX a few days later i was notified that i was having emerg XXXX  XXXX. i notified the gym that i would be cancelling the membership until further notice. they continued to bill me. i emailed them and they refunded the monthly fees charged. then i noticed recently that on XX/XX/2021 i was charged for a personal training session that i never had or scheduled. I tried to contact the gym. no response this time. i disputed the charges with chase bank on XX/XX/XXXXand i was credited the amount of XXXX on XX/XX/2021 the funds were debited from my account once again. i am being charged for a service that i never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I disputed this account because of the lates that are reporting with the credit bureaus and the bureaus did not add a dispute remark to the account within 30 days. 
The initial dispute was sent XX/XX/XXXX and still, to this day there are no dispute remarks.

Please see : Francisco v. Midland Funding, No. 17 C 6872, 2019 U.S. Dist. LEXIS 20601, at *2 ( N.D. Ill. Feb. 8, 2019 ) 15 U.S.C. 1692e ( 8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: PR

Complaint narrative:
I disputed this account because of the lates that are reporting with the credit bureaus and the bureaus did not add a dispute remark to the account within 30 days. 
The initial dispute was sent XX/XX/XXXX and still, to this day there are no dispute remarks. 
Please see : Francisco v. Midland Funding, No. 17 C 6872, 2019 U.S. Dist. LEXIS 20601, at *2 ( N.D. Ill. Feb. 8, 2019 ) 15 U.S.C. 1692e ( 8 )

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 2021-10-14 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: BANCO POPULAR DE PUERTO RICO
State: NJ

Complaint narrative:
Banco Popular of Puerto Rico is currently listing a Foreclosure on my Credit report incorrectly. 
I attempted to have them remove but they refuse saying that I am not the owner and can not provide me with the account information, yes that is their response. I have attempted to dispute via Credit bureaus with mixed results, XXXX removed but XXXX will not based on Banco Popular non response. I had a mortgage in good standing with them and was paid in full, this gave them my information. They attached a second mortgage to my name and refuse to provide me information on the loan so I can dispute. I am in the process of purchasing a property and this error is keeping me from securing a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid in settlement. {$1600.00} written off. 
XXXX XXXX  XXXX Potentially negative Date openedXX/XX/XXXX Balance {$870.00} StatusAccount charged off. {$1000.00} written off. {$870.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$12000.00} StatusAccount charged off. {$11000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: OH

Complaint narrative:
About 1 year ago I started to get calls about a payday loan which I never took out. I have never taken a payday loan. Over the past year, Ive received no less than a dozen calls to which I responded this debt is not mine. About 1 month ago I got a call threatening legal action and offering quick settlement before having to go to court. I explained the debt did not belong to me and that Id see them in court. My wife received a call on XX/XX/XXXX and again on XX/XX/XXXX. attempting to locate me. My sister in law received a call XX/XX/XXXX attempting to locate me. I received a call XX/XX/XXXX. I did not take out this loan and want the calls to me and my family to stop. There is no identifying company calling and when I call back the voice mail is only a series of numbers. Online search of the phone number returns XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank/Target is reporting account as unpaid and charge off when in reality the account has been paid since XX/XX/XXXX. The law firm of XXXX XXXX XXXX has notified TD of the payment both electronically and verbally via a conference call that took place on XX/XX/XXXX between the clien, Target/TD and the law firm. TD need to update the account as settled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 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: NY

Complaint narrative:
XX/XX/XXXX Re : Confirmation # : XXXX Hello, In response to your dispute results, there are a few inquiries that should not be on my report as I did not make these requests. 
They should be removed ASAP. They are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX These inquiries that may impact my score are to be removed or investigated at once. I did not authorize any credit inquiries with these businesses nor do I have any open credit/trade accounts with them at all! 

Also, you are still reporting an account that does not belong to me. It is : XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1600.00} Thank you, XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please update my current address to : XXXX XXXX XXXX XXXX, NY XXXX Remove all previous addresses 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