vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I filed a dispute claim with PNC bank about a transaction with " XXXX XXXX '' for the amount of {$29.00} on XX/XX/2020. The product never came, I could not get a hold of the company that I bought the product from, and PNC denied the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX Flagstar Bank purchased my mortgage from XXXX. In XX/XX/XXXX I was asked to provide proof of flood insurance. I contacted my insurance agent and they in turn provided proof of policy. later that week I received a letter from Flagstar stating that the policy ( which was the same I'd had with Amerifirst ) was not acceptable to Flagstar and that they had purchased/placed a flood policy on my residence. The letter dated XXXX showed a policy with effective date XX/XX/XXXX more than six months retroactive at a cost of {$2600.00}. My prior existing policy was still in effect during that time and there was never any indication that it was not acceptable. In fact, the existing policy had actually completely covered a flood claim on the property in XXXX of XXXX. How can I be forced to pay 6 months of coverage for time that had already passed when I already had coverage? This seems criminal!

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 2020-06-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I signed a lease with Ally for 24 months. 
I made 24 payments. 
Last payment made was on XX/XX/2020for the month. So the lease ends onXX/XX/2020.

Before lease end, I get in touch with Ally and they were gracious enough to give me a month free. This puts me out to XX/XX/2020.

Then I was offered an option to extend my lease up to 5 more months if i wanted. I choose to do 1 more month and that puts XX/XX/2020. 

This means, I owe one more payment and it will not be due until XXXX. 

Instead this whole time, my online account reflects issues with my account and shows I owe ally a lot more than I actually do. I get in touch with them through online chat on XX/XX/XXXX and again on XX/XX/XXXX and both time was assured, they will clear it up and its just slow right now due to Covid-19. I take their word for it. I save the chats for reference. 

Then on XX/XX/XXXX I get a collections call. Now they are calling me to get paid. Get paid the money that i do not owe them. 

I called them. I was transferred 3 times. The last person kept asking if i could hear them. No one else had issues hearing me, but this person just let me sit there for 5+ mins. while i wanted for her to be able to hear me. Finally she was able to hear. No idea how. The whole time i can hear animals in the background. I think she was at some kind of a farm ( irrelevant, but wanted to mention it ).  She got back on the call and without helping ... just said I am transferring you to collections and just transferred me. The music played for 5+ mins without me being transferred and finally I hung up. 

My account is still in limbo. I am afraid these guys are going to send this to collections and thats the last thing i wanted to do.

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo Opened a credit card account in my name and let someone charge over {$4000.00} worth of debt in less than a Month. I have been trying to resolve this issue for the last 9 months and they refuse to help me.

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 2020-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
this complaint starts with CFPB complaints including XXXX, with incorrect late payment reports. this complaint was not adequately addressed with XXXX  and other CRAs, believing the complaint was not made by me, XXXX XXXX, and therefore was not addressed. Transunion and XXXX  also have not yet adequately responded. PLEASE HAVE CRA REPRESENTATIVE CONTACT ME DIRECTLY FOR COPIES OF SENSITIVE FINANCIALS THAT PROVE LATE PAYMENT REPORTING IS INCORRECT. ( the following was my feedback to complaint XXXX ) This complaint is mine, XXXX XXXX, and was written and furnished by me to the CFPB for their assistance in correcting wrong and derogatory reporting by these creditors, Mr XXXX, XXXX, and XXXX, to the CRAs. Please assist me and the CFPB in removing all reporting by these creditors. The creditor is not adjusting the reporting to CRAs as it might reflect guilt during this civil litigation and the issues are sensitive to the mismanagement of escrow funds and violations of RESPA, namely refunding surplus escrow funds. These are the primary reasons the creditor refuses to change CRA reporting and why I, XXXX XXXX, am asking the CRAs to work directly with me and my documentation that proves the mortgage servicer has always been in receipt of the monthly payment, or more, within 30 days of the due date. I am looking forward to a representative from each of the three credit reporting agencies to contact me directly at XXXX for copies of my financials, including mortgage statements, that will not be made public or shared with any other party.

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 2020-06-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.

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 2020-06-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.

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 2020-06-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.

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 2020-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I use the app XXXX  to help me save money and now I am being told Im not allowed to link my bank account to this app. This app saves money for me and also helps pay on my credit card. I have been using it for well over a year and absolutely love it and have had zero issues with unauthorized access to my bank account and so forth and would like to continue to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC will not let me connect my XXXX  account that has money on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Ally hired XXXX XXXX XXXX to collect on an alleged debt for about {$3300.00}. They advised me they are authorized to collect and I verified this with Ally. I settled the alleged debt in FULL for  {$1300.00} on XX/XX/2020. I have the letter from their authorized representative stating this. I have disputed with all three major credit agencies and Ally continues to damage my credit by verifying false information. Here is the quote from their representative : " We are an authorized representative for Ally Financial. This letter is to confirm receipt of your final payment of {$1300.00}, received on XX/XX/2020. Upon clearance of funds, the above-mentioned account will be closed as settlement in full. '' The document I have attached, that the company sent me as proof of payment in full, is protected with the last four of my social security number and can be opened with that 4-digit number.

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 2020-06-23 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I noticed a car loan on my credit from Credit Acceptance Co. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: CA

Complaint narrative:
SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by Capital One Bank. 

This delinquent account record is inaccurate because there was an error through the payment system for Capital One, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, XXXX, and XXXX   that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 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: CA

Complaint narrative:
SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by XXXX XXXX XXXX. 

This delinquent account record is inaccurate because there was an error through the payment system for XXXX XXXX, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, XXXX, and Equifax that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.

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 2020-06-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I opened an account in XX/XX/2018 with SYNCB/XXXX XXXX XXXX with Synchrony Bank. And out of no where I received a letter saying they have decided to close my account but my balance is still due. Reason : Balances on Accounts too high compared to credit limits and loan amounts. Now please keep in mind we're in a PANDEMIC affecting the worldwide nation. I'm calling a attorney today.

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 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
These companies were pursued in my name without my consent, and they are now on my report as a result of identity theft, I have contacted creditors and bureaus and received no resolve..

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 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection
State: SC

Complaint narrative:
I have never any relationship with the following company : PERFECTION COLLECTION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX At a former resident there was a alarm service monitoring contract with a company called XXXX XXXX XXXX. The contract with this company expired and I thought that would be the end of business with them. It was not, they sent several people to the house stating that they had to upgrade the equipment in order to continue to " monitor '' the house. Needless to say the equipment was never installed. I was in constant communication requesting that the services be disconnected permanently, staying on the phone for hours only for the representative to tell me that they could not verify my information. This debt is invalid simply because monitoring services could not be conducted on the equipment installed at my old house. Can either the original company or debt collection company provide an proof showing alarm activity and that they were able to provide monitoring services?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I discovered on XX/XX/2020 that Chase Bank closed my account with them. I called them and they can not and or will not give me a reason for doing it. I'm on XXXX and have my monthly check direct deposited in my checking account. Now with them closing my account I have no access to my money till my direct deposit can be change by Social Security which will take 2 months. I have spoken to several people who Chase closed their account also at the same time. So it has nothing to do with any of my banking transactions. This is wrong for them to treat a person on XXXX like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$9400.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX/DEPT OF ED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.

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 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX  is reporting an account that does not belong to me on all three major credit bureaus, XXXX, XXXX  and XXXX. The account was opened XX/XX/XXXX under my name and information. I have have sent in several request to XXXX and XXXX to remove the account from my credit files.I spoke to someone a week ago and they informed me that the account was sent to First National Collection Bureau INC. and they now are trying to collect for XXXX XXXX XXXX under account number XXXX. I contacted First National Collection Bureau INC. and asked them to send me documentation of bearing my signature that the account belongs to me, I also informed the man on the phone that I was a victim of Identity theft and he said he would send me the information I requested. As of today XX/XX/XXXX they have not sent me that information and are still reporting the negative information on my credit files as a charge off. I have requested on several occasions for XXXX XXXX XXXX to remove the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was trying to use the XXXX app to withdraw some money from my next check but my PNC bank account stopped allowing access to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XXXX Today is XX/XX/2020 and I still havent heard from these companies.

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