vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Previously a victim of identity theft, as a result account with XXXX XXXX XXXX was opened. Contacted company via phone and provided statement regarding this twice and disputed it with the credit bureau 's already as fraudulent. Yet, XXXX is still pursuing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NC

Complaint narrative:
Previously a victim of identity theft, as a result account with Discover Financial Services was opened. Contacted company via phone and provided statement regarding this twice and disputed it with the credit bureau 's already as fraudulent. Yet, Discover is still pursuing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: VA

Complaint narrative:
We are senior citizens. I am XXXXyrs old, XXXX & a XXXX veteran. We qualified for a VA mortgage & applied for a home refinance with Veterans United. Process was completed XX/XX/2019. For the next 8 months, we have been told that the loan is in underwriting. They keep giving us new closing dates. They want us to pay for repeated updated pest and well water inspections. We have spent {$900.00} thus far and now they want us to repeat these tests as the dates have expired because they delayed too long. They have also repeatedly pulled our credit, causing it to drop considerably. We can only assume this is a way to make us Walk away from our application without them blatantly declining us for age or nationality. This is emotionally and financially distressing. Is there any recourse?

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 2020-05-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My husband and I want to take advantage of low interest rates and decided to apply for a refinance of our second mortgage. 

I contacted a local branch of Bank of America because we prefer dealing with local representatives. The Bank of America loan representative contacted me via email with a link to apply for mortgage. 

The application was a long process but at no point did it ask what amount, or type of mortgage we were applying for. 

After submission of the application I contacted the representative by phone who then informed me Bank of America does not finance second lien holder position unless they are the holder of the first lien position. 

No where during the application process did it disclose to us, the applicants, that Bank of American does not finance second lien holder position. Which is deceptive. 

Both my husband and I have now have a hard inquiry to our credit report which negatively impacts our credit score and our chances of re-finance with another institution. Additionally, the impact of a hard inquire can result in a higher interest rate product. This is unacceptable. 

We need Bank of America to remove this hard inquiry as soon as possible so we can apply for a mortgage at another institution.

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 2020-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
XX/XX/2014 {$2500.00} I have no knowledge of this 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 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/XXXX I opened a new checking account with BMO Harris Bank with the promise of {$400.00} Bonus if I met certain requirements. I did meet all requirement and more and did not receive the bonus. I contacted the XXXX XXXX where I opened the account via email to inquire on the status of the bonus, I received a reply from Ms. XXXX XXXX that I met all the requirement and the bonus will be deposited into my checking account after 150 days from the account opening. I do have those email exchanges and after 150 days have passed I contacted the bank again, then the customer service via XXXX, and got different answers. On XX/XX/XXXX I received an Email from BMO Harris Bank congratulating me on qualifying for the Bonus. I contacted the Regional Manager of the BMO Harris and she never returned my phone calls.

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 2020-05-30 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: Nelnet, Inc.
State: NC

Complaint narrative:
There is so much to say. Please see attached documents. Thank you for your help. I hope you can help. 

I have been battling this since 2015. The IRS was taking all of my money for 5 years because of the negligence of this school. I hunted down the archive for the school ( letter attached ) so I could get it to the IRS ... They returned my money. I have had enough. This school is causing a lot of students pain. We don't have anyone to fight for us. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
XX/XX/2016 {$700.00} This account is an result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/2020 I reached out to the customer service team of Discover Financial Services through its in-app messaging function. The purpose of this communication was to consolidate my two Discover credit cards - my exact words were " Hi, I would like to combine the credit line on my two accounts, and close out the older one ''. The customer service representative who responded to my request was XXXX in XXXX XXXX XXXX. She asked to confirm the last four numbers of the account I wanted to close, which I then provided. She then closed out the account immediately without confirming details about the credit line transfer. It was only after she closed the account, and after I inquired again about credit line transfer, that she told me that she was not able to do that. She insisted that I never mentioned anything about combining credit lines, and the account was closed at my request. That was completely untrue, and I am disappointed by how incompetent and dishonest this service representative was. Not only did she lie about my initial request ( which has an electronic trail and can be easily verified in the messaging function ), she closed my account without consent which is a serious violation of my right and has irreversible impact on my credit score. Her incompetence and subsequent inability to take responsibility for her mistake is completely absurd and unacceptable. I hope Discover Financial Services will rectify this situation to reinstate my faith in using your services in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: Auto Trakk, LLC
State: PA

Complaint narrative:
The car is reporting on my credit report as a repossession. We dont have any information on said car and would like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: PNC Bank N.A.
State: PA

Complaint narrative:
I reported a fraudulent charge on my PNC Cash Rewards card in XXXX, XXXX. PNC promptly cancelled the original card and reissued me a new one. 
I set up the original card to use the scheduled balance transfer feature provided by the bank. The bank did not use this feature to pay toward the {$41.00} remaining balance as agreed. 
The balance of {$41.00} was instead transferred onto the new card. I did not put any new charges on the new card. It was also not made clear to me that the same automatic transfer feature was not active on the new card. 
This issue was brought forward to me on XXXX XX/XX/XXXX, when a PNC agent called me notifying me that my credit card account was delinquent due to an outstanding balance of {$100.00}, consisting of the original {$41.00} and miscellaneous late fees and interest charges. 
I contacted the bank to rectify the impact on my credit report to no avail. I also requested a verbatim copy of the Card Replacement Disclaimer to no avail. I have to resort to CFPB to receive a  satisfactory response on this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: NY

Complaint narrative:
Hello : This is my final request for assistance before I seek counsel on this matter. 

Since XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX, I have continuously disputed this erroneous information with Experian. I reached out to the data furnisher who reported Experian has not reached out to them to verify this account has been closed and there is a standing court order which experiences continues to violate by reporting this information. Firstly they are reporting me late on XXXX and XXXX for a closed account since XXXX. 

I reached out to the data furnisher who sent and verified there is a XXXX balance on this account. The account is closed. I enclosed copies of the court order to Experian and to no avail, this line still remains on my credit report. 

This is the final step I was advised to complete before I seek punitive damages for the continued reporting of false and incorrect information.

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 2020-05-30 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: PA

Complaint narrative:
The car is reporting on my credit report as a repossession. We dont have any information on said car and would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: PA

Complaint narrative:
The car is reporting on my credit report as a repossession. We dont have any information on said car and would like it removed.

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 2020-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MDS has violated my rights as a federally protected consumer. MDS is in violation of 15 usc 1692. I have outlined their violations in the attached documentation. I am. invoking my specified remedy as a federally protected consumer I am demanding a deletion from all of my consumer reports, and monetary compensation for each violation Pursuant to 15 USC 1692k.

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 2020-05-30 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In XX/XX/2020, SYNCB/PPC put a late Payment on my account. This was an auto payment from my own bank and for some reason the payment did not go through. i discussed with SYNCB/PPC on this manner since this was my first time making a late payment but no luck. They never remove the late payment that was associated with the same issue. i see now it just popped up on the two others bureaus and this has really and greatly lowered my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
RENTED AN APARTMENT IN XXXX OHIO WEST OF XXXX.EVERYTHING WAS FINE FOR ABOUT FOUR OR FIVE MONTHS.THEN A WOMEN WHO LIVED FIVE OR SIX UNITS DOWN FROM ME PASSED AWAY.WHEN THEY FOUND HER, THE APARTMENT WAS ROACH INFECTED.INSTEAD OF TAKING CARE OF THE PROBLEM, THE APARTMENT COMPLEX DID NOTHING.THEY LET THE ROACHES  SPREAD.EVERYONE IN THAT ROW OF UNITS HAD ROACHES INCLUDING ME.I INFORMED THE APARTMENT MANAGER ABOUT THE PROBLEM, HE DID NOTHING.I DID NOT WANT TO MOVE SO TRIED TO GET RID OF THEM MYSELF, SET OFF A COUPLE SMOKE BOMBS.THIS DID NOT WORK, SO I HAD TO MOVE, IT WAS JUST AWFUL COULD NOT LIVE THERE ANYMORE. 
NOW THEY ARE SAYING I DAMAGED THE THE APARTMENT, FROM THE SMOKE BOMBS I  GUESS.I DID NO DAMAGE TO THAT APARTMENT, I WAS A GOOD TENANT, I JUST WANTED THEM TO GET RID OF THE ROACHES.IF THEY WOULD HAVE DONE THAT I WOULD STILL BE LIVING THERE.

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 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I closed my credit card account, over the phone, on XX/XX/2020. I had a credit balance on my account of {$290.00}. 
When I had not received a check for the balance within the 7-14 days, I wrote to AT & T Universal Card/Citibank on XX/XX/2020 and requested reimbursement of my credit balance in the amount of {$290.00}. 
When I had not received my credit balance a month later, I again wrote to AT & T Universal Card/Citibank on XX/XX/2020 requesting my credit balance. 
On or about XX/XX/2020 I received the attached statement showing I had {$0.00} balance due and on XX/XX/XXXX : Stop Pay Reapply CK # XXXX. The statement also shows on XX/XX/XXXX : CREDIT REFUND AS REQUESTED. 
On XX/XX/2020 I received a letter from Citi thanking me for contacting their Customer Service Team. I do not know which instance, phone or mailed letter, they are referring to, but I am clearly getting mail from Citi yet I still have not received my check. 

All documents referenced above are attached in a single PDF file in reverse chronological order.

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 2020-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Im trying to let you have access to transfer the money I need for my bills to my Pnc account I give consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is the letter I wrote to my bank in response to the merchant : Account number ending in : XXXX Case number : XXXX It is difficult to respond to the merchant because the merchant has made no effort to investigate the return. The merchant has included a copy of the original online invoice. There is no dispute that an order was placed. 
The merchant has included proof of delivery. XXXX confirms that the billing, and shipping address match. Again, there is no dispute that an order was placed, and delivered. The issue at hand is that XXXX has made a simple transaction into an unnecessary ordeal. They have failed to issue a return for their product. One that was returned in a timely manner according to their own instructions, using their own carrier. 
I placed the order on XX/XX/XXXX. I have a XXXX, and decided to gift it for XXXX because there was free return shipping ( see image 1 ). 
I had contacted XXXX by phone to inquire about the return. I was told that I would receive an email if I could return the items. On XX/XX/XXXX I received an email from XXXX ( see image 2 ).  Shortly after I received an email from XXXX with the return label ( see image 3 ). 
There is no tracking information in this email. It is presumably because of the length of time that has passed. The tracking number on the label I printed out was : XXXX ( see image 4 ). This USPS return label ( in partnership with XXXX ) provides a tracking history that proves that the return was in the possession of USPS on  XX/XX/XXXX at XXXX XXXX. By XX/XX/XXXX it was picked up, and processed by the shipping agent ( see image 5 ). The date today is XX/XX/XXXX. There are no circumstances by which this sort of mishandling should be excused. 
There is definitive proof that the XXXX items were returned according to the merchants return policy. The fact is that when I had been in contact with XXXX, they showed zero initiative in assisting their customers, so I am incredibly disappointed. I will be sure to make note of my experience to the XXXX XXXX XXXX, and will resort to the Consumer Financial Protection Bureau if this issue is not resolved by the merchant, or the bank. 

Even though I had provided them with all the necessary information they did not issue me a credit because they sided with the merchant.

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 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
House was sold in XXXX of XXXX. Date of last payment was XXXX of XXXX. 

Credit reports first showed last payment of XX/XX/XXXX. 

After dispute, date was changed to XX/XX/XXXX - this date is still wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: PA

Complaint narrative:
Ive had PNC Bank for over 25 years, great company.. anyway.. a few years ago with a former job I had the XXXX app set up with my bank, its a credible cash advance app that takes the money back out when u get paid, technically you dont even have to tip them.. XXXX XXXX  was advertising them initially.. very credible.. anyway ... I never had issues with that app being able to put in my credentials to look into my balance/see if my paycheck went in/see if their charge went through also.. I got a different job and got that set up again.. and for some reason it keeps saying that my bank made a change that doesnt allow me to link my accounts? I contacted PNC, got transferred to a department more knowledgeable of this situation.. its not them apparently ... but the app says my only other chance is to contact you, cuz it could be you guys blocking immediate access for my own security.. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had an account with Bank of America for twelve years I had paid over {$1500.00} Every year for overdraft fees. There was one year they had really taken advantage of my weekly paychecks and I paid over {$3600.00} because my purchases would be manipulated. Every purchased I made I would check on my account if they went through before making another one. I would go back to check again and the same purchase that had already been processed was rearranged so I would get hit with overdraft fees. Plus when I worked for XXXX and XXXX I would ask exactly when the checks would be in my account they told me days prior to when Bank of America claimed I did. BOA got my deposits they just wouldnt let it be available to me until days after receiving it. I have had check payments missing and no one has any answers for 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