vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 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: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/2018 I spent a night at XXXX XXXX XXXX XXXX XXXX and I went to an ATM to make a small cash advance. The machine did not dispense money and I promptly contacted security in the casino and never left the ATM. When security responded I explained that the machine did not dispense money and she told me that I had to call my bank.. Having not moved from the ATM I called Pentagon Federal Credit Union to report my problem. I stood there approximately 20 minutes while they took all pertinent information. After a long wait the representative told me it would be taken care of. I went to a different ATM and took two small cash advances which went through without a hitch. When I came home I noticed that Pentagon Federal Credit Union had the disputed amount in a pending file on my credit card account. After 3 days they simply added it to my total credit car balance, knowing I did not receive the advance. I called PFCU twice and spoke to representatives who assured me they would handle this issue. 
Nothing changed. On XX/XX/2018 I called PFCU yet again and this time I asked the agent to allow me to speak to a supervisor since the agents were doing nothing more than making assurances they could not keep or perhaps lying might be a better term. The supervisor said he would look into my issue and call me back no later than Tuesday XX/XX/XXXX. Needless to say no call came and I am still stuck with no resolution. Every ATM has a camera and on top of that I was in a casino hotel where you are under surveillance every second unless you are in your hotel room or the bathroom so they know full well that the machine never dispensed money and it relatively simple to verify if they made the effort. Moreover the Cas advance fee and dollar amount should not have immediately been posted to my account without PFCU even bothering to check. I have just submitted forms to discontinue any direct deposits to PFCU since they simply can not be trusted. In addition I intend to pay off my PFCU Visa with the exception of the disputed amount and I will close the account, however I will never pay the amount I did not receive. I would rather face this in court out of principal.. I hope that you are able to get a satisfactory answer and explanation as to why. By all means share this information with others. In my view these people can no longer be trusted. I am stuck with PFCU for my mortgage loan but as long as I live I will never trust them again. I need a financial institution that has integrity and is responsive and can give me straight answers. Pentagon Federal Credit Union is not one of those institutions

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 2018-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates is telling me I owe them {$6500.00}. This is originally from a XXXX XXXX credit card. As Ive explained umpteen times to XXXX XXXX, the entire balance is made from fraudulent transactions. I was the victim of identity theft. I DO NOT OWE THIS MONEY. I am not giving them a XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On Tuesday, XX/XX/XXXX Wells Fargo bank received instructions from " XXXX XXXX XXXX, XXXX Field Office '' to freeze my business checking account due to an investigation. Note : I have no knowledge of any investigation to date, nor have I received any correspondence of such activity. 
I am in receipt of that letter, which states " You shall refuse access for a period of NOT MORE than three court days, including the day of delivery.. '' ( Letter is attached ) The letter was received XX/XX/XXXX ( Tuesday ) .. I, and my bank, have not received any other communication from that authority since the XXXX. Due to lack of further action, the bank was required to release my account 3 days after Tuesday ( including date of delivery-Tuesday ), which would have been Friday, XX/XX/XXXX. 
However, Wells Fargo has yet to release my account, they have been giving me the run-around since Friday, and are refusing to release the account due to " lack of approval to release the funds. 
I have reached out to an attorney who believes their actions, or lack thereof, is completely illegal. They have followed instruction and froze the account, but are not following the instructions to release it. 
I want to note : I have not been able to do any sort of business for over a week because of this. I can not make sales because the account is still frozen. Also, all the checks made out to my vendors last week have all bounced, and they are refusing to work with me until they get paid. 
I really need some help to cure this injustice. I have tried reaching out to the XXXX XXXX XXXX office in XXXX XXXX. The agent who answered the phone seemed confused and says they don't know what I am talking about. She repeatedly told me that the XXXX XXXX " does not freeze accounts.. they do not work those types of cases, that is not their jurisdiction ''. 

I have expenses to pay : store rent, employees, kids tuition, etc. 
Please help me resolve this ASAP!

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 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
Lj Ross has attempted to collect a debt for a company in XXXX XXXX mi XXXX XXXX that is not my account. I contacted LJ Ross and asked them to investigate this debt through XXXX XXXX because I have NEVER lived in XXXX XXXX michigan. However LJ Ross proceeded to try and collect on this account and has now added it to my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I booked a flight to XXXX with XXXX XXXX using XXXX from XX/XX/2018 XXXXXX/XX/2018. On booking the flight i inputted my passport number which clearly states that I am XXXX. I also paid for a business class which amounted to XXXX dollars and I paid an insurance fee of XXXX dollars for the flight. I paid for a business class because I was going to make money on my trip of approximately 9000 USD and also, because I wanted to be very comfortable as I am very XXXX. 

1 ) XXXX or the airline never told me that I needed any document to use XXXX XXXX even though they saw that I am a XXXX, through my passport information. I booked this flight a week ahead of the trip and they had every opportunity to tell me this so I could book another flight, but they said nothing and made me go ahead with the booking. 

2 ) On XXXX, I request for refundable flight before booking and XXXX XXXX and other flights came up. I chose XXXX XXXX as I did not see any information that I would be needing any document aside for my Passport and XXXX visa to  fly with them as stated on the XXXX site. 

3 ) Upon getting to the airport, When I tried to check in, XXXX XXXX began asking me for documents that they dint tell me I must have to fly with them ( XXXX ). I immediately tried to get one, but I was told i can not have one because I come from XXXX. So they refused boarding me amidst my plea that i had no idea about the XXXX, the opportunity I would be missing and my XXXX status. 

4 ) I called XXXX ( the site i booked from ), who got on the phone with XXXX XXXX Manager pleading with them to put me on the flight or transfer me to another flight where I would not need an XXXX, but they refused. So I immediately told XXXX to cancel and called XXXX XXXX for a refund. Even when they fully knew it was their fault that I was refused boarding, they refused to refund my money back. 

5 ) So I called Wells Fargo and disputed the transaction but they got back to me, claiming that the Airline says I never arrived for the flight and I was the one that booked the flight ( which was not my initial claim ) I suffered a lot that day, not only did I lost a lot of money from not going on the trip, but I also fell very sick because of the XXXX XXXX XXXX put me through and because of my XXXX status Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: VA

Complaint narrative:
" " '' I have disputed this charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX is telling me I owe them {$6500.00}. This is originally from a Capital One credit card. As Ive explained umpteen times to Capital One, the entire balance is made from fraudulent transactions. I was the victim of identity theft. I DO NOT OWE THIS MONEY. I am not giving them a XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC
State: VA

Complaint narrative:
Received a call on XX/XX/2018 at XXXX from someone claiming to be a representative of XXXX XXXX XXXX  saying I owed a balance of {$1900.00} they are trying to collect for XXXX. I told them I have an email proving that I don't owe that amount and that I will forward it to them, which I did. At that point, the representative told me they would sue me and if I didn't pay the {$1900.00} by next Monday, they would take me to court. I explained that I had several bills with various amounts, but the final email proved I only owed the {$120.00} and I asked for them to email me the proof of the debt, and they haven't. They just kept repeating they would sue me for the other amount if I didn't pay by Monday. They also stated they didn't purchase the debt from XXXX, so I'm confused as to how they are trying to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 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: DISCOVER BANK
State: PA

Complaint narrative:
On my XXXX report ( which i have a XXXX XXXX account ), it shows that I have closed my XXXX XXXXXXXX XXXX  account when it's still open. i still have and use my card. i called them this morning and they claim that i ordered a new card when i didn't. i called to clearly get this situation fixed, and they acted like they couldn't do anything about it. i've heard plenty of negative reviews about XXXX XXXXXXXX XXXX   for quite some time now. I just want this Inquiry and there is a Discover card Inquiry on my credit report that is incorrect as well. I've never had a discover credit card. seems like no one can help me or someone is lieing. i've even tried to get some of the hard inquiry thats been on my account for years to be removed, and it's no help. I also hope that most of my hard inquiries that are from XXXX or XXXX to be removed if possible. it's some hard inquiries on my XXXX account that i feel should be removed as well. i would highly appreciate it if you can help me get this solved because this has been a pain on my brain for quite some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
On XX/XX/2005 l paid off my mortgage in full. Ocwen Mortgage began calling me saying they were to collect a dept on my mortgage. Ocwen said the copy of my mortgage stamped and signed and dated by the STAMPED BY THE STATE OF INDIANA was not real. The harrassment and threats stated from Ocwen to take my property. I filed bankruptcy, went to Indiana Housing,  refinanced, and recently Modification. On my Modification, Ocwen says l have to pay {$13000.00} to own my home at the end of this agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: MS

Complaint narrative:
The following informaiton belongs to someone else and should not be listed on my credit report. I am the victim of identity theft and I have reported this numerous times to the credit reporting agencies : XXXX/XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud, XXXX  XXXX XXXX XXXX - fraud, XXXX XXXX   XXXX/XXXX  - fraud, XXXX XXXX XXXX - fraud, XXXX - fraud, XXXX - fraud.

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 2018-10-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed last year after Hurricane Harvey that my credit had decreased by 10-15 points. Some of my accounts on my report showed " Affected by natural or declared disaster '' in the account comment. Being in an affected area did not impact my ability to pay any debts, so this should not be taken into account in my credit.

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 2018-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Toyota Financial has threatened me with collections despite my disputing their billing at the end of a lease. The car was turned in, the account was closed, and I was told I had fulfilled all contractual obligations. Then they sent me US Mail with additional bills and began calling my cell phone. I am XXXX and do not use voice telephones. A caretaker answered several times to tell them to send me email or a fax and they refused. She told them to stop calling and they refused. She asked for accessible contact information for them, and they refused. She requested they send their recording of the phone call to their general counsel for redress, and they refused. Additionally, I contacted them on XXXX chat and on XXXX and they refused to provide any documentation for their billing whatsoever, and also refused to give me accessible contact information. I was able to log into my old account and send an email once again disputing the amount and once again asking for accessible contact information. I received no response, and my ability to email them or read email on the portal was disabled. 

Toyota Financial is in violation of Title II of the ADA, the FCRP, Section 508 of the Rehabilitation Act,  and my civil rights. They refuse to provide any access to legally required dispute processes, or even contact information. I can interact with them via fax, email, online chat, secure email via login portal, etc., but still they refuse to provide any contact information whatsoever. Their threat to turn me over to collections and cause me financial damages with no ability for me to even use my legally mandated remedies is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I opened a XXXX XXXX HSBC account online on XX/XX/2018 and placed $ XXXX in it. Recently, I received a strange email from HSBC saying I needed to contact them, it was at that time I noticed my account was locked and I have no access whatsoever to the account. Several days of calling, emailing, live chatting and I've gotten nowhere. If someone is reached they say they can't help me and I go back into a phone queue waiting for someone from the fraud department. I've now put in 5 hours on the phone ( more than 95 % of that time was / is on hold ) and I have no indication of getting closer to resolving the issue. 

My guess is that HSBC is going to use whatever trick they can to not honor their {$200.00} new account bonus promotion that was due to pay out on or around XX/XX/2018, so they went with this fraud excuse less than 10 days before the promotion payout. I guess HSBC is going to make me earn this promotion by sheer waste of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: MS

Complaint narrative:
The following informaiton belongs to someone else and should not be listed on my credit report. I am the victim of identity theft and I have reported this numerous times to the credit reporting agencies : XXXX/XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud, XXXX  XXXX XXXX XXXX - fraud, XXXX XXXX   XXXX/XXXX - fraud, XXXX XXXX XXXX - fraud, XXXX  - fraud, XXXX - fraud.

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 2018-10-24 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: MS

Complaint narrative:
The following informaiton belongs to someone else and should not be listed on my credit report. I am the victim of identity theft and I have reported this numerous times to the credit reporting agencies : XXXX/XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud, XXXX  XXXX XXXX XXXX - fraud, XXXX XXXX   XXXX/XXXX - fraud, XXXX XXXX  XXXX - fraud, XXXX  - fraud, XXXX - fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX/XXXX  - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX XXXX  XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.

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 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
they call me 3-4 times per day from many different phone numbers. i keep blocking the numbers and they keep coming up with new ones. I have asked them to stop and they just keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: MS

Complaint narrative:
The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX/XXXX - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX  XXXX  XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.

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 2018-10-24 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.

Company response to consumer: Closed with non-monetary relief