vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I WANT TO BE ABLE TO USE XXXX LIKE YOU CAN WITH EVERY OTHER MAJOR BANK IN AMERICA. PNC IS GARBAGE. DEAR XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XXXX 2020 I purchased round trip ticket XXXX ( XXXX USA-XXXX ) using my Chase Amazon Prime credit card. 

In XXXX 2020 the first leg of the flight was cancelled by the airline. In XXXX 2020 the second leg of the flight was cancelled by the airline. 

The airline no longer flies this route and it is unknown at this point when and if the route will be reinstated. 

The contract of carriage says that I am supposed to be offered cash back if the flight is cancelled by the airline. See article 17.2.2 ( 1 ) of the contract of carriage which covers the flight cancellation provision ( attached ) The airline violates its own contract of carriage and is only offering the voucher for future travel. I have no use for such a voucher. Airline does not offer cash though it is supposed to offer it as refund option according to its own contract of carriage. When I contacted airline in XXXX 2020 they refused to give my money back. 

I initiated the chargeback with Chase Amazon Prime, Chase is refusing to refund my money for the service I did not receive. 

I contacted Chase via phone in XXXX 2020. Then in XXXX 2020 and then in XXXX 2020 via regular mail. Chase is refusing to complete charge back on my behalf, thus it violates the Fair Credit Billing Act. Chase leaves me exposed to the charges for which I have not received any service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains DEPT OF EDUCATION/XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains DEPT OF EDUCATION/XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated DEPT OF EDUCATION/XXXX   Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated DEPT OF EDUCATION/XXXX   Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX   Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated Important Information About Your Dispute Results filed ftc long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i was looking at my account credit report and see that i had things that i no knowledge of and i it had to be a 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 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo is negatively impacting my credit card credit limit because of forbearance on my mortgage. We need CFPB to help protect consumers like me against this. 

Today XXXX/XXXX/20 I was unable to charge my payments at my grocery store on my Wells Fargo Credit Card. I called Wells Fargo and was surprised my credit line was decreased from {$13000.00} to {$4100.00} on XX/XX/XXXX. I had been making on time minimum monthly payments to my 0 % credit card. I had also checked my credit score a few days ago and my credit score improved since when I had received my credit card from Wells Fargo. I had explained this to customer service as well as their credit line risk department, and wanted to understand why my credit line decreased. I was told Wells Fargo uses an internal risk management process which does not rely on credit score. This risk management process was arbitrary, and I asked to speak a risk management manager. When I got the call back later on XXXX/XXXX/20, I was told risk management takes into account that I submitted my forbearance on my mortgage at Wells Fargo in XXXX. And even if the decrease in my credit was wrong Wells Fargo can not restore my credit line because of the forbearance on my mortgage. My understanding is that this goes against the spirit and the letter of what congress intended for the forbearance as well as using credit score to shield consumers from negative impact on their credit standing. Wells Fargo needs to reverse this policy.

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 2020-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF THE WEST
State: WI

Complaint narrative:
I have three late payments on my auto loan that have been taken to collections. I moved during this time and never received my bill for all 3 months. My mailing address was changed with USPS but Bank of the West refused to deliver the mail. All three bills were sent to USPS and I never received notification that they were at the post office. I tried calling Bank of the West during this time to pay my bill but was put on hold for an hour each time and disconnected. I now have 3 late payments in collections. Bank of the West apologized for the inconvenience and said that if I called the credit agency they could remove them from my report. I called the credit agency and opened a dispute but have received no further follow up. I need to have all three late payments removed from my credit report please. The payments for all 3 months have all been made at this point. 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 2020-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: OH

Complaint narrative:
I received a letter in the mail from The Bureaus Investment Group on XXXX/XXXX/2020, stating I owed them {$540.00}. I sent them a debt validation letter ( see complete mail exchange attached ) & received a response that does not constitute proper debt validation per The Federal Trade Commissions guidelines. All I received was an itemized list of the alleged charges they claim I owe. I requested Validation that is competent evidence bearing my original hand signed signature showing a contractual obligation to pay them. The Bureaus Investment Group is still reporting this collection activity on my credit report, even after they have failed to send proper debt validation. They are in violation of the FCPDA. This erroneous & invalidated information they are reporting to all 3 credit bureaus ; XXXX   XXXX , & XXXX is causing great harm & embarrassment to my life. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. It is also causing me severe problems in trying to purchase a home for my family during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
This month alone I have been contacted 3 times to pay my mortgage with freedom mortgage. I have ask them to stop repeatedly. My bill is due on the XXXX  and I have paid on the XXXX for the past 3 years. Every month. I get calls every constantly reminding me to pay. My mortgage is not late until the XXXX of the month. I shouldnt be getting this many calls from a company when I pay my bill and have for the last 3 years on time.

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 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: PA

Complaint narrative:
Cash app is not allowing me to add my debit card to make transactions on my account. I couldn't send money which is what made me try to update my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.

Complaint narrative:
On XX/XX/XXXX, I sent a remittance of {$300.00} to my fiances uncle in the XXXX to forward to my fiance, who is currently working in XXXX. My fiances name is XXXX XXXX, and the uncles name is XXXX XXXX XXXX XXXX. On my receipt from World Remit, it states that the funds wouldnt be available until XX/XX/XXXX. When I inquired about this to World, I was told that it was sent and received by XXXX XXXX  on the XXXX. The amount was sent to his bank account at XXXX. This money was sent to help pay my fiances rent was actually due on the XXXX, but i had to send another XXXX because her landlord required it and the balance on the XXXX. I talked to World on the night of the XXXX upon getting off work. They instructed me that I needed to get a bank statement from his account showing that it was never received, and both of us have a copy of that statement. World also requested a proof of deposit from XXXX while I was still on the phone. XXXX since has sent that to them. I keep getting the run around from these 2 companies. World says it sent, and XXXX says it's deposited, however it has never showed up in his account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX : I received a check from a mystery shopper company. I went to a Bank Of America branch location and deposited the check. The manager advised me to call BOA a day or two later to confirm the check is valid and the funds deposited before withdrawing the money. 
XX/XX/XXXX : I checked my BOA account. I saw the funds were deposited as a counter-credit. I contacted BOA over the phone. I asked the representative to clearly tell me if the check was verified and cleared by the clearinghouse. The BOA rep told me it had been, and told me I could withdraw the funds without worry. I withdrew the funds. 
XX/XX/XXXX : BOA withdrew the counter-credit, claimed it is a fraudulent check. The mystery shopper company is not responding to me. Had the BOA rep not given me false information, I would not have withdrawn the check. Due to her faulty representation of BOA check verification process, I have now lost {$2000.00}. I contacted BOA to remedy the situation but to no avail. 
As a customer, I do not have inside knowledge on the check clearing process. I am left to rely on information BOA reps tell me. When that information is false, the consequences can be very detrimental.

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 monetary relief
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Bank ( USA ) has sold debt to XXXX XXXX XXXX on XX/XX/XXXX. This is the 3rd or 4th time Capitol One has sold this same debt. 

I have sent XXXX XXXX XXXX a DEBT VALIDATION REQUEST on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). it was sent certified mail receipt # XXXX. XXXX XXXX XXXX has continued to call me from numerous out of state phone numbers. 

PRIOR to this, I was contacted by a debt collector about this debt - a debt which is owned by XXXX XXXX XXXX. This OTHER debt collector is named XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX Ohio, XXXX. I ALSO sent a DEBT VALIDATION REQUEST to XXXX XXXX on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). XXXX XXXX DID NOT RESPOND to this debt validation request whatsoever. 

Instead, XXXX contracted to XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX Utah XXXX. I ALSO SENT A DEBT VALIDATION REQUEST TO XXXX XXXX XXXX on XX/XX/XXXX by certified mail pursuant 15 USC 1692g Sec. 809 ( b ). XXXX XXXX XXXX did not respond in writing. Instead, XXXX XXXX XXXX sent a CD which was not readable and in DID NOT COMPORT to a written response to validate the debt pursuant 15 USC 1692g Sec. 809 ( d ). 

This debt is owed by XXXX XXXX XXXX  - yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) continues to make unwanted contact after being requested in writing on XX/XX/XXXX to both CEASE CONTACT and VALIDATE A DEBT pursuant the legal statutory USC of the FDCPA. 

Today is XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX attempted to serve a summons at my home address DESPITE NO LEGAL OR LEGITIMATE CLAIM FOR DEBT COLLECTION ON BEHALF OF XXXX XXXX. Further, XXXX XXXX XXXX XXXX XXXX has both inflated the value of the debt, refused to comply with a XX/XX/XXXX written request under the FDCPA to validate the debt and prove they are the owners of the debt on behalf of Capital One Bank. 

I did not accept the service of the " SUMMONS '' at my residence. Instead, I witnessed the process server go to my neighbor 's house and tell them I owed a debt before the process server left the summons on my doorstep- invalidating the process. 

MY COMPLAINT : XXXX XXXX XXXX XXXX XXXX is initiating legal service to collect a debt that is not owned by XXXX XXXX XXXX and which there is no obligation. XXXX XXXX XXXX XXXX XXXX refused to validate the debt and continued to make contact -has improperly and illegally filed a summons for a debt owed by XXXX  XXXX XXXX XXXX 

This is harassment and an abuse of process to deliver a summons to collect a debt that is not owned or serviceable by XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX client, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I did not authorize AMERICAN HONDA FINANCE Auto Financing Companies to run a hard inquire credit check. I was not even in the country - for the dates the inquire was made ( Please see the attached docs ). Please have Honda Finance remove all inquiries appearing on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: KY

Complaint narrative:
Due to Covid and the pandemic, my place of employment was not working full-time. So to make ends meet I decided to apply for a loan to help me out. Better Day Loans gave me a call to help me out with my situation which was towards the end of XXXX. I was approved for XXXX $ with a weekly payment of XXXX until its paid in full. They started taking payments from my account the first week of XX/XX/XXXX. And I made every payment up to this point, XX/XX/XXXX. I call to see how many more payments I have to close out the loan and the lady tells me XX/XX/XXXX will be my last payment. I'm questioning why when I'm making payments in the amount of almost XXXX $ each week. She proceeds to tell me that they only apply " cents '' to my principal and the rest goes to the interest. So as of today only XXXX $ has been applied to my principal balance out of the XXXX $ I've paid so far. I asked the representative from Better Day Loans to send me an account of all my payments and after taking a look at it my balance its over XXXX $ with my payments until the end of XX/XX/XXXX. There is no way that this is even legal to charge interest of 770 % on a XXXX $ loan and they expect you to pay it back in excess of over XXXX . I  will agree to pay the XXXX $ that I borrowed with a little interest but this is ridiculous taking advantage of people and their need to live everyday with this fraudulent business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i was looking at my account credit report and see that i had things that i no knowledge of and i it had to be a 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 2020-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The dealership that i bought my car from was involved in fraudulent activity as well. After reading the court documents i was made aware that there are 2 unknown files that were submitted to santanders financial department and i am sure they are aware and have involvement with this matter. I am asking for the both files that was submitted to the financial department at santander and not the tampered information that was falsely given to them. If this matter is not cleared within 30 BUSINESS DAYS, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessary high levels of risk through high loan to value ratios, significant backed fees, and high payment to income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Due to the fraudulent activity involved with the dealership and Santander of mishandling and deceptive servicing practices from BOTH parties my vehicle was ultimately repossessed. I am asking Santander to please release me from all financial and legal obligation for the deceptive servicing practices and delete all information from all consumer reporting agencies and three credit bureaus that it has been illegally sold and reported to. Santander is also reporting misleading information on my credit report in regards to recent payments that have been made to them. There has not been any recent payments or communication with santander in regards to the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I received an alert from XXXX  about an account being reported by Medical Data Systems for XXXX  XXXX  XXXX  XXXX  XXXX  for {$2000.00}. Please be advised that I never received a or verification of the item reported to XXXX  by Medical Data System is a VIOLATION of the HIPAA Act of 1996.

Medical Data System did NOT provide me a HIPPA release to access my medical information including charges stemming from services rendered and protected by HIPPA, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Medical Data System should this item not be deleted within the required time allowed by law. Medical Data System is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX  as well, since they are the only bureau incorrectly reporting this debt.

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