vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/18 i placed an order with the company XXXX with order # XXXX in the amount of {$640.00} I never received the items. I contacted XXXX and attempted to contact the merchant but found it very difficult to speak with a human. After several unsuccessful attempts I contacted my bank PNC and told them I wanted to dispute this charge. They gave me a provisional credit of the funds. I NEVER received a document in the mail asking for more information or telling me that they were going to collect the provisional credit back because my investigation didn't have enough information. Almost 90 days later, I contacted bank when I saw funds were missing they said I could re-dispute charge again. I did and went to bank to fill out form and was not permitted provisional credit this time. My claim was denied again within the week. For the length of time that has been passed since being originally charged. This is unfair and unjust. I was told I was allowed to dispute charge up to three times. So I attempted one last time and claim was denied for same reason. Too much time has passed. I was told to contact merchant so I did and an investigation was held I was told I could receive a possible store credit. At this point, I really wanted my money back but would be satisfied with something. All I was granted was a {$50.00} gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2019, I deposited a check made to my wife for {$3100.00}. Bank of America put a 9 day hold on the check and will not tell me why. We have been banking with them for 35 years and have never had a hold put on before. There have been zero issue on our end with the 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 2019-08-08 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have every one of my credit cards set up on automatic payment so that they are never late because I am trying to build my credit score back up. Since these were all on automatic payment I didn't pay as close attention to them as I do the ones I have to manually log in and pay every month. In XXXX however, I noticed when looking at my capital one app that I had been charged a late fee. I didn't see how that was possible since it was coming out of my bank account at the same time every month. So I called Capital One and was informed that they didn't know why but the account had been taken off of auto pay. I have four cards on there, all on auto pay, I did not authorize it to be stopped. The lady said she could get it started back up, that she didn't know what had happened but once they reported it as late to the credit bureau they had no power to get it changed. She told me She would take the late fee charge off on their end, which she did, but I would need to dispute it with the credit bureau. ( Which I did ). I don't feel that I should be penalized with a bad mark on my credit for something that wasn't my fault. I would really like that derogatory mark taken off please. I am working hard to build my credit back up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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: TN

Complaint narrative:
I AM A VICTIM OF ID THEFT DUE TO THE 2017 EQUIFAX DATA BREACH. PLEASE REMOVE THE ITEMS LISTED ON MY FTC REPORT FROM MY CONSUMER FILES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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: NY

Complaint narrative:
as of XX/XX/XXXX2019 my FICO score dropped from XXXX to XXXX for no reason.

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 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio recovery calls every day even on sundays. I block the number and they call from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XX/XX/XXXXof 2018 I mailed certified letters to both Navient and the 3 major credit bureaus requesting the original loan documents that show my signature. They have never mailed any proof. I have also requested proof over the phone and I was advised that my monthly loan payment is {$0.00} per month. I was never sent anything thing in writing and the loan balance hasnt changed and is only increasing. I requested that the loan be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX - Quality Recovery is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX or Quality Recovery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I

previously notified you that I am a victim of identity theft, and requested that you do the following : REMOVE the unauthorized accounts and Remove any UNAUTHORIZED INQUIRIES, and Take steps to remove ALL information about these accounts from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your respo
nsibilities when reporting information as a CRA. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions. 

INQUIRY 'S XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Accounts - XXXX/XXXX, XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
Created an account via online systems ( dates not important, but occurred ~end of XX/XX/XXXX). 

Provided all information, identifying numbers ( dl #, etc ), and account was successfully opened. 

Since then, their fraud department has been contacting me via unsecured methods to request a copy of my Id - what seemed to be an obvious phishing attempt was actually their fraud department. 
They also claim to be unable to send the request via their online banking secure messaging. 

I've confirmed that these are actually valid requests through separate channels ( website chat, main banking contact numbers ), and not a phishing attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX - XXXX XXXX is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX  or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: GA

Complaint narrative:
XXXX XXXX - XXXX XXXX is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX  or XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Background information : I am a resident of the state of California. California Code, Civil Code CIV 1747.85 states " Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment or otherwise in violation of any provision of the agreement between the card issuer and the cardholder governing the cardholder 's use of the credit card or unless the card issuer has evidence or reasonable belief that the cardholder is unable or unwilling to repay obligations incurred under the agreement or that an unauthorized use of the card may be made. 
Nothing provided herein shall be construed to prohibit a card issuer from placing the account of a cardholder on inactive status if the cardholder has not used the card for a period in excess of 18 months or from requiring that cardholder, upon subsequent reuse of a card, to provide to the card issuer such updated information as will enable the card issuer to verify the current creditworthiness of the cardholder. '' XX/XX/XXXX : At this time, I had a consumer credit card account open with Wells Fargo in good standing. The credit card account had a rewards account associated with it with a balance of XXXX " XXXX XXXX Rewards '' points, earned from purchases made on the credit card account. As part of the rewards program for my credit card, these points were redeemable for up to a value of {$0.00} for each point, with at least XXXX points required to make a redemption, and additional points could be earned by making purchases with the credit card account. 
XX/XX/XXXX : Wells Fargo issued a letter stating that they had made the decision to close my credit card account, that the account could no longer be used to make purchases, and that the rewards balance associated with the account would be forfeit. 
XX/XX/XXXX : Said letter was received by me via USPS. Upon checking the account through the website, I verified that the account was closed and that the associated rewards account had XXXX " XXXX XXXX Rewards '' points deducted from the account balance leaving a balance of XXXX. The balance of XXXX   points in the account was unable to be redeemed since the minimum redemption amount is XXXX points, and it is impossible to earn additional points since the associated credit card account was closed. 
XX/XX/XXXX : I inquired on the matter with a Wells Fargo banker at a bank branch. No additional information on the closure was provided to me. I opened a dispute with Wells Fargo to request reopening of the account and a reinstatement of the rewards account point balance.

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 2019-08-08 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: GA

Complaint narrative:
XXXX XXXX - XXXX XXXX is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX or XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I have never heard of sagestream credit reporting agency. It is showing my credit being much lower than it is. They are hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hello, I noticed the " Portfolio Recovery '' account ( original creditor was XXXX XXXX  XXXX XXXX was still in collections a few weeks ago. I had paid this debt back in XX/XX/19. 

I have a link to display the debt that was paid, but it states to not include any personal information on here. I have a case number that shows all the information of the collected debt, I disputed this debt through XXXX XXXX  a few weeks ago and the result came back with " Account information disputed by consumer, meets FCRA requirements. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: UT

Complaint narrative:
My mortgage was paid in full on XX/XX/2019. According to AmeriHome prerecorded message any refunds will be processed within 20 days ( not business days ). Today is day 21, and I still have not received my escrow refund of {$1800.00}. I've emailed and called customer service. I always get a " canned '' response that it takes between 20-30 business days to issue a refund of MY escrow funds. Why does it take so long to issue a refund? Why is the message given to the consumer not the same as the prerecorded message? Why does it take so long to issue a refund? This money does not belong to the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am missing up-to-date credit information from use of my Capital One credit card at the three major credit reporting agencies. This can be seen in Complaint ID numbers XXXX, XXXX, and XXXX. In summary, when I call all three agencies they say they only report what Capital One sends them and that is the issue, they do not have the complete information. When I called Capital One to ask them why this is the case. They say I need to go back to the credit agencies because they have sent them up-to-date information and they are not reporting it correctly. I am now left with severely falling credit scores as a result and having no clue what to do next. I have made all my payments on time and for the total amount due in all cases. I need help as one party is not telling the truth and I am caught in the middle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
The original message to the credit card company where I have a detailed explanation of the problem. 

Hello, I will give information about this dispute since it seems that the main problem is not being understood. I bought a freezing machine from XXXX which is supposed to freeze LCD screens in order to separate them from their glue. Since the day we got it the machine was not working properly, it shut off after a minute. We contacted the seller trough email ( Ive attached all the emails as well ). So that they knew about the problem. In the following days they had us troubleshoot the machine, they even sent us a replacement part to swap and see if that worked. We tried to the best of our intentions to keep the machine if it worked even knowing that it came damaged, but only if it got fixed. They dragged the situation longer and longer until we decided to file the dispute since the troubleshooting had gone for almost a month. I believe we were deceived into thinking that the problem was simple and that we could fix the machine here in the U.S, because shipping it back costs around {$500.00} ( we have shipped the machine back, Ive attached a XXXX  tracking number and proof of return ). 
Please be considerate and read all the emails and take note of the time frames, we had the best intentions to keep the machine and use it, but I believe that the seller intentionally dragged the situation for a long period of time making us believe that we could have fixed the machine. The machine never worked! Since day one. I think is unfair for us as business and me as your customer to have this dispute dragging for such a long time and without you guys requesting information that is crucial for a decision, I have proof of 1.of us returning the machine back to the seller. 2. Our intentions to keep the product. 3. The seller replying to our messages and guiding us to fix the machine ( if it ever was fixable ). 4. The machine not working.

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 2019-08-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : REMOVE the unauthorized accounts and Remove any UNAUTHORIZED INQUIRIES, and Take steps to remove ALL information about these accounts from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information as a CRA. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 

INQUIRY 'S State Farm B Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Accounts - XXXX, XXXX

Company response to consumer: Closed with explanation