vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On Saturday, XX/XX/2021 my husband and I received a letter in the mail from our bank, PNC, located at XXXX XXXX XXXX XXXX XXXX in XXXX, PA XXXX. In the letter, it stated that my husband via email disputed XXXX payments. The three payments were to XXXX XXXX for our rent in the amount of {$790.00}, XXXX XXXX for our insurance in the amount of {$170.00} and XXXX  XXXX for our phone bill in the amount of {$190.00}. We did not put a dispute in. Not only did we not, but the bank never verified the dispute with us verbally or otherwise to check its authenticity. 
We called the bank and made an appointment to see XXXX XXXX on XX/XX/2021. Now please keep in mind, according to our statements, there was not a dispute showing nor credits given to us by the bank. While speaking with XXXX, I saw a discrepancy in their system regarding the three disputes. In each dispute, all three amounts had the decimal point moved three times to the left. Then it was corrected. Also in their system but not on our statement, it showed a purchase at XXXX  for {$1000.00} that we did not make. It was not until we arrived at the bank that the dispute and other strange activities showed up in their system and their system only. 

We then spoke to the assistant bank manager, XXXX XXXX. Like XXXX, he had stated that he too has never experienced anything like this before. He also said since we were credited the money that was disputed they were taking it back. We tried to explain, we were not credited any money, our books balanced and we did not put a dispute in. He said before any money would be taken from our account he would call us first. 

On XX/XX/2021 The bank took the money out of our account and locked it so we could no longer access it. XXXX XXXX did not call or would he respond to our calls. 

On XX/XX/2021 my husband went to the bank and met with XXXX. She said since we signed a contract stating we would not give out our information, theres nothing they can do. My husband filed a report with the FBI as instructed, as the bank felt the breach came from a loan attempt my husband tried to get for XXXX through XXXX XXXX. He did check them out prior through the XXXX  etc and no red flags popped up per say. 
I am in respiratory failure and am terminal. Both my husband and I are on permanent XXXX. How can they do this legally? I truly feel this was a breech on their end since our books balanced. Enclosed I have provided everything I could to help assist you. Statements from our end and what documents I could obtain from the bank and their system. 

Please, please, if you can help get our money back we would be so grateful. I know it may not seem like a lot. But its all we have. 

Thank you for your time. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING ISSUES GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT THAT IS AN 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
Consumer complaint received 2021-01-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M HAVING ISSUES GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT THAT IS AN ERROR

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Under Federal Law relating to revolving errors in servicing my loan I have a right to submit complaint to Consumer Financial Protection Bureau. Suspicious actions were taken by New Rez LLC. NMLS # XXXX. 




Fradulent activities getting my payments and not applying them on time reversing them back and forth making my loan go to default. 

1. Regularly unapplied my payments by holding it for up to 27 days and applying late. Make me pay all kind of fees.

2. Calling from XXXX XXXX rep. XXXX XXXX on XX/XX/XXXX to collect secondpayment after I paid manually online on XX/XX/XXXX and it is still unapplied on XX/XX/XXXX. 

3. Turned off my Autopay on scheduled date XX/XX/XXXX and XX/XX/XXXX for a reason my loan late past due. 

4. Force me make 2 payments a month on amount of {$1000.00} for last 2 months. Total I made 13 regular payments and 3 additional principal payments XXXX. Total made 15 payments year XXXX. 

5. Sent representative to sneak by my property on XX/XX/XXXX without any notice and explanation by mail or byphone. 

6. Didn't notify me for {$15.00} fee which was added for property inspection. 


All dates and amounts and actions added to attached document.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Social Finance, Inc.
State: NY

Complaint narrative:
on Eperian report, it shows unconsent soft inquiry of SOFI Lending ( XXXX tel ) given unknown resource using my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have an account reporting on my credit from IC systems. The original creditor is sprint, and it says the debt is from XXXX. I haven't had XXXX since XXXX, and I don't believe I owed them anything. Either way, that's past the statute of limitation, and should not be showing on 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
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$3900.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -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 2021-01-15 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Sir or Madam I am writing to dispute the following information in my credit file. 
The car loan with Regional Acceptance Corporation was pay off by my insurance in 2018 due to my car being declared a total loss. I call Regional Acceptance Corporation last week to ask why we have late payments on the account. The representative told me that I needed to make payments even if the car was declared a total loss. I am asking you to please reconsider to take these late payments off the account. We had the car for almost two years, and we never had a late payment. The account now is pay off and closed.

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 2021-01-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING ISSUES GETTING THIS ITEM REMOVED 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
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX I received back pay from my unemployment settlement in the amount of about XXXX. I dont have a checking account or prepaid account that I could have sent my funds to so I sent them to a relative account! Capital one subsequently locked and froze the account and wont realize my funds to me or my cousin! I have went into several branches with two forms of identification and birth certificate and my unemployment judgment and capital one still wont release my money! Its almost going on two months and I cant get a call back or a reply! I dont have any money to obtain a lawyer and I really need help! This bank has basically stole XXXX and wont tell me anything or return my funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NC

Complaint narrative:
XXXX XXXX  XXXX CRED Acct # XXXX - This account is inaccurate ; date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and should not be showing as last reported XX/XX/XXXX, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

You keep verifying this information, why is this not being properly investigated? Are you verify incorrect information each time I dispute? 

I want this delete off 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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I moved from my house to another last year. Called and canceled services and paid the last month of service. I was unaware I was supposed to go to their store to drop off modem and router, we still have both. After checking my credit I found that XXXX XXXX has hired a company called Credit Management. Credit Management says that I owe them {$400.00}. They are saying that I owe two months of service along with 4 pieces of equipment, 2 routers and 2 modems, I explained that it doesn't even make any since why I would have 2 modems and 2 routers for the same house, and that I only have the one set. They told me that it's what charter says I owe and I can either pay it or not, up to me. This is what they told me over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Following over two month and endless financial documents uploaded, this loan application with Quicken loans never closed. They provided no information, update, or any insight as to why this loans was held up in a perpetual never ending process. I was mislead and lied to as to the terms of the mortgage without any explanation. I was assessed points and higher closing costs without any explanation. I final today demanded to cancel this loan application. They could care less!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i XXXX XXXX have been a victim of identity theft and just learn about this accounts listed in my police report. they do not belong to me and have never gave anyone permission to open these accounts. thats why i filed a police 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
Consumer complaint received 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I registered for the PayPal promotion at https : XXXX while it was still ongoing approx XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX between XX/XX/XXXX - XX/XX/XXXX, but did not receive the advertised reward. The promotion was still listed active on XX/XX/XXXX. 

Initial support contact was on XX/XX/XXXX when the offer did not show completed/pending. I was told there was an issue with it and to give it a week. 

Paypal customer support has been contacted on XX/XX/XXXX and XXXX. Responses include " We did have a known issue going on with our promotions not paying out correctly and our technical team is working to resolve it as quickly as possible. '' and " This is a rare and isolated incident and I'm sorry this happened to you. I have made an escalation to the product team and were working on improvements, based on your suggestion, right away! '' however, they have closed the support requests and refused to honor the terms of their offer. 

Chats and qualifying transaction ID numbers are attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/XXXX, we deposited a large check payable to the IRS in a US Post Office mailbox on Post Office premises. In reconciling our US Bank checking account statement covering XXXX of XXXX, we discovered that the check had been altered, deposited by an individual unknown to us, and charged to our account. We contacted US Bank and they emailed us forms to fill out to report the crime. We delivered the forms by hand to the XXXX XXXX office of US Bank in XXXX, TN on XX/XX/XXXX. XXXX Bank conceded readily that the check was obviously altered but has refused to recredit our account. We have communicated with US Bank many times since XX/XX/XXXX by phone and email. As of XX/XX/XXXX, despite our continuing demands, our account has not been recredited for this stolen and altered instrument.

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 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with CapitalOne on XX/XX/2020. 

CapitalOne did not disclose to me on the statement received of debt and a statement that unless I, the consumer, within thirty days after the receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt will be assumed to be valid Pursuant to 15 USC 1692g ( a ) which is in fact a violation of 15 USC 1692g under the Fair Debt Collection Practices Act. This is proved in the attached exhibit ( s ) attached. 

I sent a letter to CapitalOne demanding validation of debt, requesting the name and address of the original creditor pursuant to 15 USC 1692g ( b ) on XX/XX/2020 but CapitalOne failed to furnish the requested information. CapitalOne replied to my CFPB complain instead with verification of information that I used to open the account. I have proof in the attached USPS return receipt that CapitalOne received my letter and disregarded my request. This is in fact a violation of 15 USC 1692g ( b ). 

The transaction in question is a consumer credit transaction in which a finance charge is involved pursuant to 15 USC 1602. The attached exhibit ( s ) proves CapitalOne misrepresented the character and amount of debt which is a violation of 15 USC 1692e ( 2 ) ( A ) The attached exhibit ( s ) proves that CapitalOne used obscene and profane language in their attempt to collect a debt which is a violation of my consumer right pursuant to 15 USC 1692 ( d )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Dear CFPB, I am contacting you all, because I do not own the XXXX XXXX XXXX account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact Portfolio Recovery directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. The final bill does not give me clear proof without original beginning documents. I would like to know where the card was sent & payment history. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from Portfolio Recovery on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to XXXX Bank and filing a claim on XX/XX/XXXX, I have been promised investigation results in XXXX business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, XXXX P XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 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: CONTRACT CALLERS INC
State: AL

Complaint narrative:
I saw a bunch of unknown collections in my report and I am wondering why they ended up under my sleeves. I want these accounts be removed because they are not mine and it really ruins my scores so bad. It will be a great help if we will enforce what is right based on FCRA. I have researched about this and I am sure that my rights were violated by simply reporting an inaccurate 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
Consumer complaint received 2021-01-15 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: Convergent Resources, Inc.
State: AL

Complaint narrative:
I saw a bunch of unknown collections in my report and I am wondering why they ended up under my sleeves. I want these accounts be removed because they are not mine and it really ruins my scores so bad. It will be a great help if we will enforce what is right based on FCRA. I have researched about this and I am sure that my rights were violated by simply reporting an inaccurate 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
Consumer complaint received 2021-01-15 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: Holloway Credit Solutions
State: AL

Complaint narrative:
I saw a bunch of unknown collections in my report and I am wondering why they ended up under my sleeves. I want these accounts be removed because they are not mine and it really ruins my scores so bad. It will be a great help if we will enforce what is right based on FCRA. I have researched about this and I am sure that my rights were violated by simply reporting an inaccurate report.

Company response to consumer: Closed with explanation