vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I tried to purchase a new desk for a friend whose dog just died, and I found a person on XXXX who insisted I pay half upfront to keep the desk reserved. They said they didn't get the payment and for me to try again, when in fact the payment did go through and they were just charging me up. This happen multiple times, and even though I tried to contact them to plead for them to return the funds, they stopped communicating.

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 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On Thursday, XX/XX/2020 at around XXXX XXXX  ( XXXX ), I attempted to link my PNC account to my XXXX account for the 5th time. The service, XXXX, used to connect them said that PNC blocked the action from happening. After phone calls with PNC, still nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TX

Complaint narrative:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 12 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 21 accounts, 11 potentially negative View All Inquiries show tooltip button For AccountsBy Employers 6 hard inquiries Not Disputable Online. Details

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax states they have free service and then try to charge {$4.00} and create an account. I created an account and paid {$4.00}. Then I am not able to log in and have to call a number. Then I am told I have to pay {$19.00}. I called back and was hung up on. I keep talking to someone overseas and they will not assist unless I pay {$19.00}. The last time the lady disconnected when I told them it was fraudulent. 
Now they have all my information and I am not able to log into myequifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened a bank account back in XXXX time frame and I opened that account in New York where I am from. I left to go to school in XXXX and I stopped using the account because I created a XXXX XXXX  account before leaving and I used that card and I was informed that there were several checks on my account that came back unpaid that I didnt do which is clearly fraud something Wells Fargo is known for Ofcourse. My account was later closed and I tried to reopen the account and the teller at the bank said theres nothing they can do so I just left it alone because they did return my money to me so I had no problem. I was also informed that I would need to pay any remaining balance on the account and if there were anything owed I paid it its been awhile so Im not sure if I had to or not. I recently walked into a branch in XXXX, AZ to open a new account and I got denied for the regular checking so I went ahead with the opportunity checking and everything was fine I deposited my money and changed my direct deposit to this new account and I made sure before going through with it I asked if Im in good standing with the bank and I was told I am fine. Well, I got a call this morning saying due to misuse of my old account my new account will be closed in 10 business days and I want answers because to begin with this was fraud but I didnt lose any of my own money plus the account was closed so I had nothing to worry about but now Im being penalized for this bad security measures by Wells Fargo. I need my account to stay active because I neee a new account this problem that happened isnt my fault and I will make sure Im heard if I dont get a fair look on this because Ive just been brushed over like I dont matter. This is just ridiculous Wells Fargo is a true shame to the banking industry how do you conduct business this way and think consumers would call this a good bank. I just need an account and I would like to bank with Wells Fargo out of my liking because the other banks I dont like that much but Wells Fargo is soon enough joint that list. I just want my matter to be solved ASAP! My account is closing in 10 business days and I need that stopped. 

Best regards, XXXX XXXX

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ftc violations remove the fraud alert i requested 60 days ago

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc violations remove the fraud alert i requested 60 days ago

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ftc violations remove the fraud alert i requested 60 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: MD

Complaint narrative:
unable to link XXXX  account to my PNC account. XXXX is saying there is an error linking the accounts even though I authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I lived at XXXX XXXX for a year. Rent Recovery is trying to collect from me. I made sure I followed rules, and cleaned the place spotless before I left. I have pictures to prove it. And pictures of even getting the carpet cleaned and they still say I owe them XXXX for a deep cleaning of the apartment and broken blinds. I do not mind paying for the blinds but there needed not to be a deep cleaning at all. Any cleaning that would have been done would be normal cleaning for the next tenant to live there. A routine clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I was late in paying the XXXX payment and entered into a forbearance agreement because I was not sure if my stock investments would rise to a comfortable level to start paying the mortgage again. On XX/XX/2020, I tried to pay the XXXX and XXXX payments, but the servicer 's system would not allow me. It was only asking for the amount of {$850.00}. In the months prior to this XXXX forbearance agreement, my checking account was charged automatically every XXXX of each month. So, I am guessing that the system would not allow me to pay two month 's mortgage payment because its system recognizes that I am late only for one month. 
I tried to pay by ACH, but the servicer 's system also would not allow it. It was later explained to me that it was because I was in forbearance. I therefore paid the XXXX payment. I saw the EZ fee, but I assumed it was for late payment fee. It turns out that it is for paying electronically. Their fee schedule described EZ fee as being for late fees and electronic payments. I just assumed that it was for late fee because I have not come across a company charging a fee for paying electronically. 

I called to request a refund of the {$15.00} fee, but I was told it could not be done because the servicer 's system would not allow it. If I had paid by phone, it could be waived. 
Oddly, I paid the fee with the XXXX payment but the XXXX mortgage statement shows that the charge was on the XXXX payment. It also shows that it seems to have been waived or reversed. I did not receive any check for that amount, however. It would not be forthcoming, I was informed. 

On XX/XX/XXXX, I called about the difficulty in making the two months payments. I was then asked to pay the XXXX mortgage by phone without the fee. 

I also asked the representative to remove my account from the forbearance agreement and restore the automatic payment draft. These were done while I waited on the phone. 
The XX/XX/XXXX mortgage statement still shows that I am in forbearance. 

Upon receipt of the XXXX mortgage statement, I asked the company to write a letter to the credit bureaus, with copy to me, that I am no longer in forbearance agreement. I had told the representative that I am about to close on refinancing my loan and that I need a letter from them stating that I am not in forbearance. I explained that if the refinancing bank sees that I am in forbearance, it might withdraw its commitment. The servicer refuses to issue a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DK, Consulting, Inc dba Huntington Financial Services
State: LA

Complaint narrative:
Approx. XXXX Central Time My employer was contacted by one,  XXXX XXXX from a spoof phone number that block our company caller id system. 

This is Mr. XXXX third attempt contacting my place of employment. Debt collectors or solicitation of collection phone calls arent allowed to call my place of employment per company policy as I have informed them in the past. I have no tie to this issue nor any proof of writing that I've requested that I owe such a debt. 

He contacted my employer from XXXX stating his company is called Huntington Financial Services, which is also a possible fraudulent pseudo company in which I or the CFPB can seek litigation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a cash advance balance on a US Bank credit card as well as a purchase balance at a lower interest rate. Each month after paying at least the minimum payment the cash advance balance has been increasing month over month despite the fact that I have not taken any new cash advances. I called on Thursday XX/XX/2020 to complain about this unfair practice which effectively increases the interest rate on my overall outstanding balance every month in violation of the Fair Credit Billing Act specifically 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing 1666i1. Limits on interest rate, fee, and finance charge increases applicable to outstanding balances which states that " ( a ) In general In the case of any credit card account under an open end consumer credit plan, no creditor may increase any annual percentage rate, fee, or finance charge applicable to any outstanding balance ''. The representative explained that the increase in the interest rate on my overall outstanding balance on the credit card was happening because US Bank 's policy is to apply the cash advance interest charges to the cash advance balance and then apply the minimum payment to the lowest interest rate balance first which causes the cash advance balance to increase every month despite the fact that no new cash advances have been taken. It is my contention that US Bank 's policy is in violation of Federal law since it has the effect of increasing the overall interest rate on my outstanding credit card balance each month. After checking my statement with another credit card I have with XXXX XXXX XXXX on which I also similarly carry a purchase balance as well as a cash advance balance at a higher rate I confirmed that they do not engage in this unfair and arguably illegal practice as US Bank does. Despite explaining the issue to US Bank at length and informing them that their unfair practice was likely a violation of the Fair Credit Billing Act they steadfastly refused to change their policy to conform with Federal Law.

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 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
My name is XXXX XXXX XXXX I took out a loan with XXXX XXXX XX/XX/2019 The Loan was sold to XXXX XXXX. 
The Loan was sold to XXXX XXXX  The Loan as sold to CMC Funding The Loan was transferred to SLS Funding. 

It seems like there was one more in there but it has been sold so many times it is hard to keep up with. 
The day the Loan was sold from XXXX XXXX to XXXX XXXX. I made a principal payment of {$1200.00}. This was not reflected in my mortgage balance. XXXX XXXX acknowledges this and sent the payment to XXXX XXXX. XXXX XXXX  acknowledges this and sent the money XXXX XXXX XXXX XXXX XXXX  provided me the wire confirmation number for this transaction. This IMAD number is ( happy to provide and given to them ). I have sent my bank statement to SLS ( Specialized Loan Servicing ) it is in their email files. I opened a case with them and they declined to correct my balance. I asked them to reopen the case they refused. I contacted my US Representative and he said reach out to them again and I did. The sent an email saying someone form customer service would contact me but they have not. My US Representative directed me to the CFPB and that is the reason I am reaching out to you. I have all of the supporting documentation. I have never dealt with anyone with such poor customer service. They emphatically told me they would not reopen this and yet they have provided no explanation. I sent in the Wire confirmation information above and my bank statement and they told me to provide proof. Although they didn't suggest anything else for me to send in. I just want my account corrected. PLEASE HELP. THANKS!

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 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
This is my 3rd attempt ( through CFPB ) to get Select Portfolio Services , Inc. ( SPS ) to report our payment history to the 3 major Credit Reporting Agencies. 
After multiple interactions with SPS, they did admit that it is simply a policy to not report our credit history and not a LAW as originally claimed. 
Our current contract with the lender was signed post bankruptcy and is in itself a " re-affirmation '' of our willingness to honor the terms of our agreement with the lender. 
By refusing to report our credit history to the 3 major Credit Reporting Agencies SPS is in violation of Federal Law. Both in letter and in spirit : " 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update  information. A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. '' I expect immediate compliance with this Federal Law. 
. In the event you are unable or unwilling to comply with this instruction, I shall alternatively require of you evidence of your Registered Agent for the State of Washington as well as the policy number and name and address of the underwriter of your Bond. 
Failure to properly respond to such a simple request leaves me to seek remedy through the FTC and making claim against your bond for damages to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020, I identified several discrepancies with 10 accounts that appear to be duplicated and listed under RMP Services LLC. I requested a validation on XX/XX/2020 as these medical accounts if correct and not duplicated have been paid for by my insurance. Credit report was reviewed again on XX/XX/2020 and the accounts are still reflecting on my report and I sent a 2nd follow up letter requesting validation for the debt. Finally, on XX/XX/2020 I reviewed my credit report again and there have been no changes with the discrepant accounts still reflecting on my report and I believe that they are trying to collect on accounts that have been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on these accounts. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that all 10 accounts are not duplicated and were not paid for in full by my insurance and that all information is correct and valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
In Spring of XXXX I attempted to rehab my student loans with Navient solutions. Additionally, I attempted to remove my husbands name from the loans. I was told if I made a couple of months of payments my loans would be rehabbed and my husbands name removed from the 1 loan. I began making the payments and payments did AND STILL DO show on my husband 's credit report. Then in XXXX of XXXX, my payments were returned to me, and my husband 's loan went suddenly into default. When I tried calling, nobody had any information for me, the DoE showed I didnt owe any federal loans and Neither did Navient. At least thats what I was told at the time. My husband attempted for 2 years to get information on the loan with his name on it and is finally working to resolve that loan. In late XXXX I received notice my wages were being garnished to repay the loan and allowed it to continue. At no time did this show as a default on my credit report so I was under the assumption the repayment was on a loan NOT in default. Fast forward XXXX, due to covid 19 my payments were suspended by law, still no indication on my credit report that my loan was in default. Having fixed or settled all other student loans, I applied for a FHA loan and only then does this debt show as a default on the XXXX XXXX. When I tried to contact Navient they were even unable to provide me an account number, my payment ampunt or how to pay it. I was left with a loan I was unable to pay due to Navients confusing, false, or lack of communication. It was placed in default which was a huge mark against me and I was not afforded any way to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion is under a lawsuit for us education everyone school loan that falls under the cares act TransUnion made mine and everyone score drop due to our school loans being out on hold for covid-19 and there is no way to speak with TransUnion to fix this I spoke with XXXX XXXX school loans and they told me TransUnion has to fix this 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 explanation