vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
XX/XX/2020 XXXX I got a email from Huntington Bank stating that my Business Bank account was on hold due to a check I deposited ( {$5400.00} ). I called customer service and I was told that I needed to come in a branch with XXXX XXXX my Uncle I deposited the check for ( He endorsed the check that I deposited properly ). Myself and XXXX XXXX both went to Huntington Bank XXXX XXXX XXXX, XXXX, PA XXXX to clear up the issue and take my account and all my funds off hold. Banking staff refused to accept XXXX XXXX XXXX poof of ID to show no fraud is happening. Staff also refused to take the holds off my account and release my funds that was available previous to deposited check for XXXX XXXX. Huntington Bank staff ( XXXX ) couldn't show me a legal reason to place a hold on my account and available funds. I did not violate XXXX XXXX Banking policies and procedures and they are illegally holding my money! Staff ( XXXX ) did not provide me with any Banking Policy nor Procedure that proves the holds on my bank account is rightful. Covid-19 is still a struggle for my and family this hold is causing me to fall behind in bills and at risk of losing everything I have left. Huntington Bank is causing great harm to my business and family during this current pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
I initiated an international money transfer via MoneyGram on  XX/XX/2020 in the amount of {$1200.00}. Per MoneyGram, the money was supposed to be available in the recipient 's bank account in minutes. However, the transer status still showing " In Transit '' as I'm typing this compliant. I have reached out to MoneyGram on several occasions to inquire what's causing the delays and no one has been able to give an explanation as to why a transfer meant to be completed in minutes is taking weeks. The MoneyGram transaction reference # for this transfer is XXXX and the recipient country is XXXX. 

Also, this is not my first time sending money to the recipient via MoneyGram. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I have a brand new XXXX XXXX with less than 1400 miles on it. I have had it for two months. On XX/XX/XXXX, myy car stalled in 4 inches of water on the way to work and XXXX   Roadside Assistance was of no use. The electrical panel appears to be fried, as the car will not change gears, and the dashboard continued to display an error message about the retractable top, which was obviously not retracted in a rainstorm. Water never breached the cabin of my XXXX, yet it malfunctioned in a road lane? Does this mean I ca n't drive in the rain? 

XXXX  Roadside Assistance went through the trauma of verifying my telephone number four times over the course of ten minutes and then hung up on me, when all I needed was for someone to move me off of a busy interstate access road. They texted me that they would have a tow available in 60 minutes ( Case # XXXX ), and I was able to contact XXXX afterwards and they were able to assist me in 15 minutes. Why do you even offer this service, when you have so little regard for your customers ' safety? 

I have reported my concerns to the dealer, XXXX of XXXX in XXXX, Texas, and they are as kind as they can be, but at the end of the day, this isn't their concern. This is a problem with your craftsmanship and your inability to make good on the promises you make for your customers ' safety. How much do you really care about your customers if you aren't willing to respond to help requests? How much have I paid in hidden costs for XXXX  Roadside assistance, when they are unable to follow through on their promises and keep one of their customers safe? 

This is my third XXXX XXXX. I have owned a XXXX XXXX, a XXXX XXXX, and a XXXX XXXX XXXX. I  am reasonably sure I am going to make this my last XXXX, and my relationship with the brand may end as soon as this weekend. You seem to have such indifference to your customers, why shouldn't I buy a XXXX? 

So, in summary, I'd like these questions answered : Why did my car malfunction in 4 '' of water in a paved lane? 
Does this mean I ca n't drive in the rain? 
Why do you offer roadside assistance, when there appears to be little regard for safety? 
How much did I pay for XXXX  Roadside Assistance, since I'm certain someone has to foot the bill for the people who answer the phones -- yet do nothing? 
How much do you care about your customers if you aren't willing to respond to requests? 
Why shouldn't I buy a XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been reaching out to XXXX and Transunion regarding an account that was placed on my credit report back in XXXX with XXXX XXXX XXXX. I have sent over 10 letters and verification of all documents requesting that an investigation be done since this same account was on my credit report under XXXX years ago and was removed from all 3 because I do not owe this debt. The company just sent me a signed contract from XXXX on XXXX XXXX which very well indicates a one year contract which I canceled because # 1 my house was broken into and # 2 XXXX went out of business after filing a Chpter XXXX. I have contacted this debt buying company as well to get this information removed, I have filed several complaints with the XXXX XXXX XXXX and with the CFPB because 1st I never received the validity of the debt within 30 days of request. Also it's a debt that I donot owe. Both XXXX and Transunion continue to Update this information from XXXXXXXX XXXX   with out any verification. Therefore I have also seeked an attorney for assistance and received a call from XXXX on Friday XXXX XXXX from XXXX XXXX XXXX telling me that he received an email from XXXX indicating that this was a verbal agreement to continue my contract with XXXX he also stated that there was no signed affadavidit however he would send me what they received. So therefore there is nothing showing I owe this debt and there was never a conversation that we can go to court on stating I agreed to this, .Credit report shows placed for collections XXXX howeer this was added in XXXX indicates that XXXX/ XXXX is the company and my paperwork which they sent me states XXXX XXXX which was the solicting company working for 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 2020-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, my debit card was closed while I was trying to buy groceries. I had used my card 3 times previously ( the same day ) without any issues. After getting home and waiting on hold for over an hour, I was informed Chase had closed both of my savings accounts, credit cards, and closed my debit card without even notifying me of them going to do so. No one I spoke with could give me any answers as to why all of my accounts were closed, just that my account was under review and it was determined that Chase could not sustain our accounts anymore. I'm not even sure what that means. I had tried calling multiple times to Chase, calling XXXX 3 times, and even going to the local Chase branch with no luck. I was advised while speaking to a supervisor at Chase, to go close my checking account immediately and pull my money out because my checking looks like it's the next thing to be closed. My husband and I went to the local branch and pulled the remaining money we had in checking, which isn't much. We are not able to access any of the money in our savings account- which I need access to to pay my XXXX XXXX XXXX this week. We have about {$12000.00} in savings with no access to it. Chase is holding our money hostage and not giving us any answers as to why this is happening. We have been loyal customers for 15 plus years without any issues. We just want our money and will happily take our business somewhere else. 
Also, I am a XXXX XXXX worker, already beyond stressed during this pandemic, and this issue hasn't helped matters for me. It's adding even more stress to an already stressful situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

DEPTEDXXXX {$1100.00} DEPTEDXXXXXXXX XXXX {$3000.00}

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 2020-06-23 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
someone has taken my personal info and has opened accounts that have been negatively effecting my credit and life as a whole. the inaccuracies of these accounts need to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
Since initial complaint was filed on XX/XX/XXXX, I received a email from Mark I, Executive Office of Customer Advocacy for Discover Bank. That was on Friday XX/XX/XXXX. I have heard nothing since. I have emailed him 3 times ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) - No Response. Still no communication or access to MY IRS REFUND that was deposited via Mobile Check Deposit. 

CFPB has let this fall through the cracks - nothing done - and since my initial complaint - ZERO progress!! 

Here is what I initially sent in ... Regarding account ending XXXX - Jnt with My Son. 

On XX/XX/XXXX, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/XXXX, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! Well - as of XX/XX/XXXX - 60 days would have been XX/XX/XXXX or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!! SOOOOOO Done .... If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - NOT BY PAPER CHECK - WIRE OR EFT/ACH ONLY - to an account I designate, within 3 days of receipt of this complaint. PERIOD ...! I have attached the letter I forwarded to the IRS along with other documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Due to XXXX XXXX, my business and income took a drastic casualty. We were unable to pay on personal loans for the past three months. Because of this, we made the efforts to contact each of our lenders to arrange payments. Each of the lenders enrolled us into their programs to delay payments and reporting. 

However, two credit card companies have still reported missing payments. I followed up with each of the lenders, but they simply reply saying " Any credit issues should be dealt with by the credit bureaus. '' Both companies have acknowledged that their records show I am enrolled in the programs. 

The credit card companies are Capital One and XXXX. 

It is my honest assumptions that this is a system glitch. However, there could very well be something on my part that I did not do, primarily due to ignorance. This has never happened to me before! 

As my records will show, prior to COVID 19 I only had one missed payment in the last 9 years, which was my first credit card ever. 

It is my great hope and desire that my credit history and your grace will stand in the gap for me in this instance, because I am not sure what else to do. The past 4 years of my life I have maintained above a 680 credit score. In the last thee months it has dropped to almost a 500. 

In my best efforts to fix this matter, I have also taken the measure of seeking help to restore my credit. And growing in my education as much as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I have received two 0 % APR promo rate Gold Mastercard offers from HSBC Bank USA as a pre-approved prospect. I accepted their second offer ( invitation XXXX ) by applying by phone XX/XX/XXXX. They did not make a decision at that time but sent me a letter that date stating they needed my signed tax return. I have never been asked by anyone but the government for my tax return and will not submit it to them. I consider this an unacceptable request. Instead, I promptly submitted a copy of my XX/XX/XXXX XXXX XXXX IRA statement ( attached ). I explained in my email to them I can withdraw the up to the full approximate {$260000.00} balance as income this year. I sent XXXX XXXX a copy of a statement of this IRA in the 4th quarter of XXXX and they used to to justify raising my credit card limit with them from {$8500.00} to {$13000.00}. XXXX denied their Gold Mastercard to me in a letter dated XXXX/XXXX. I consider their offer and decision incompetent. I want them to delete their hard inquiry on my XXXX credit report and send me no more offers. My XXXX score was XXXX, excellent, when they processed my app XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

DEPTEDXXXXXXXXXXXX {$1100.00} DEPTEDXXXXXXXXXXXX  XXXX {$3000.00}

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 2020-06-23 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

DEPTEDXXXXXXXX {$1100.00} DEPTEDXXXX XXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
someone has taken my personal info and has opened accounts that have been negatively effecting my credit and life as a whole. the inaccuracies of these accounts need to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
someone has taken my personal info and has opened accounts that have been negatively effecting my credit and life as a whole. the inaccuracies of these accounts need to be thoroughly investigated.

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 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
PHH AND XXXX c/o PHH are harassing me with multiple calls for things I have already discussed with them. I have told them numerous times the forbearance plan I am on d/t CoVid does not need to be extended and can resume on XX/XX/XXXX. Since XX/XX/XXXX, I have received a minimum of 10 calls asking me about the same exact thing. I have answered the phone every time they call and told them it was all set. They continue to call me. As far as I can see from my phone log, I can only go by the number normally coming through as PHH, so there maybe more : I have received calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. This was supposed to be escalated and the multiple calls were supposed to stop, and they continue. Its harassment at this point. Im NOT behind on my mortgage, I have already spoken with them regarding the forbearance d/t CoVid. The excessive phone calls need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC has made changes that prevent me from linking my account to XXXX. I want to pay my rent this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Westcreek Financial
State: NY

Complaint narrative:
This creditor is giving me no choice but to file a Cfpb complaint regardless I have been disputing this account since XX/XX/2019. I do not see that they are taking my disputes seriously as they keep on reporting the same information without investigation. 

The incorrect and inaccurate reporting is greatly affecting the credit score that hinders me from getting a car. I already disputed this account and called the creditor and yet they havent fixed this issue. This account is only reporting in XXXX  which I do not understand what is the basis on keeping it in my credit report. Most of the account information in the report was inaccurate. I would like this account removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I called the company on XX/XX/2020 to find out why there was a balance on my account when I paid my last bill of {$41.00} in full on the due date. The representative I spoke with said yes I did pay on time. However, I was still charged $ XXXX. I am not understanding why I am charged a fee if my bill was paid on time. I asked for fee to be waived since I did pay the bill on time even though my money is low due to Covid and furloughed. The representative told me no. This is horrible business because the balance on the account is all from company fees and not actually items purchased.

Company response to consumer: Closed with monetary relief