vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX @ XXXX and spoke to the Manager,  XXXX. I agreed to purchase an engine for a XXXX XXXX XXXX and provided my Capitol One Visa card. It was explained to me my card would not be billed until my item shipped. My item never shipped, my card was billed immediately, no tracking number was ever provided, I contacted the merchant numerous times between my initial contact and XX/XX/XXXX. The manager, XXXX refused to provide a tracking number, issue a refund, or provide any info regarding my order. I never received any mail, email, or phone calls back. 
On XX/XX/XXXX I contacted Capitol One and disputed the transaction. On XXXX my account was credited for the fraudulent charge amount {$1200.00} however on XXXX the charge re-appeared. I contacted Cap One and they informed me the merchant would refund my money minus a restocking fee. As of today XXXX, the merchant wont accept my calls, I have no refund, and Capitol one isn't honoring the Visa Dispute policy. 
On XXXX I filed a Federal Trade Commission complaint against the merchant, I sent a copy of the FTC complaint as well as written notice of fraud on the part of the merchant via certified mail to Capitol One at Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX My credit card was charged fraudulently, the merchant intentionally mislead me and by using a scam tactic obtained my credit card number. No item was ever shipped, no receipt was ever provided, no confirmation of any order was ever received, no proof of any shipment was ever provided. The merchant wont respond to phone or written correspondence, Capitol One has failed to honor the Visa Consumer Dispute Policy. Per policy proof of shipment is required to be provided upon request. 
Please assist in resolution with Capitol One as they have failed to respond in writing to my dispute and refer me to a vendor that refuses all communication regarding the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
XXXX XXXX  billing department representative passed the statute of limitations for billing my dental insurance. There are dates that the billing department representative billed the wrong insurance company : XX/XX/XXXX to XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( insurance coverage - primary ) Billed XXXX XXXX on XX/XX/XXXX for following amounts ( {$400.00}, {$370.00}, {$370.00}, and {$200.00} Additional coverage was with XXXX as well during this time but I had a Federal plan from XX/XX/XXXX to XX/XX/XXXX ( insurance coverage-secondary ) Billed XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX {$64.00} XX/XX/XXXX XXXX XXXX and XXXX {$180.00} My copay was XX/XX/XXXX for {$28.00}, XX/XX/XXXX {$55.00}, and XX/XX/XXXX {$83.00}. 

XXXX XXXX XXXX was my secondary and they paid for my copay which is correct on XX/XX/XXXX {$28.00} and XX/XX/XXXX {$83.00} Lastly, as a military   member if I am on XXXX XXXX per XXXX receiving XXXX   care, I can not be billed during that time. I was on XXXX XXXX orders. 

I also had XXXX XXXX  insurance. I changed to due to better options. 

The billing representative verbally stated to me that I had so many insurances. However she does pre authorization especially for my personal XXXX  plans so I can know what my copay is. This is part of the scheduling process. Approval has to be made to ensure the insurance will cover it or the expense will be on the fault of the patient. 

I personally contacted the XXXX  plans and they did see where billing came to there office but it passed the statute of limitations due to it originally arriving at the wrong location.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I use XXXX as a payday loan service and my account wont connect even though Ive used it before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
i have been trying to link my account with XXXX and it will not let me connect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has been offering an online bank account which included an account opening bonus of {$500.00} plus an interest rate of 1.5 %. I attempted to open this account and take advantage of the offer. The online system denied me access. I contacted the customer service department multiple time and received no assistance. I spoke with a representative over the phone and was told that my problem was due to a computer error on their end. I was told that the company would get back to me once the problem was cleared up, but I received no call back. I wrote a letter to XXXX XXXX, the CEO of Capital One, on XX/XX/XXXX to further request help. I still received no response from him or any other representative of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have PNC and I have been trying to connect my debit card and checking account with XXXX XXXX. According to XXXX   PNc has a security system that is new that prevents PNC users from connecting their debit card up to XXXX. I contacted PNC and they confirmed this is an issue they dont have a fix for. I have rights to use my account for however I deem necessary and XXXX is a trusted company. I need PNC to deliver what they promised which is a better financial future in which I could have with XXXX but they are preventing me from doing so. Also I would like to note that with this new security measure in place I just got an email yesterday XX/XX/XXXX from PNC of a security breach they had to their systems. So if they are sacrificing my ability to better my finances with XXXX  due to beefed up security then why is that the first security issue I have ever had with them. I would like to see this issue resolved and have my account back in my hands not theirs. I tried to connect the account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX and PNCs response was at first were working on getting you connected, to it may take a few weeks, to our security does not allow connection to XXXX. Why does XXXX have over 300 banks on their list of accepted providers that can connect their accounts and yet PNC says it is not possible. These banks include XXXX, XXXX XXXX, and XXXX all major banks in line with PNCs size so that should not be the issue. It is not like Im trying to connect my account to a pyramid scheme or sending money to a XXXX Prince I am connecting to a legit financial growth and investment company. Below you will see the message I get in XXXX after accessing PNC through the XXXX app and connecting via texted access code. XXXX customer service also advises me on XX/XX/XXXX they can not open the access as the access is automatically granted on their end with bank verification. The second picture is an email I receive from PNC directly after stating my account has been linked to XXXX. But after about a minute it cancels the connection and makes you call PNC customer service who state they are unable to help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a car loan with XXXX XXXX XXXX since XX/XX/XXXX since .. 
I recently have gone through during the pandemic a hardships and have been late making a few payments

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 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX  transferred/sold my home mortgage to Specialized Loan Servicing ( SLS ). When I requested a payoff I saw that it stated that I owe an additional {$15000.00} in other deferred amount owed. I called XXXX XXXX for an explanation and they directed me to SLS. Ive now called SLS four times having to leave a request for a call back. I have not received a call back. I sent a certified letter to the address listed on my bill. It is a P.O. Box. The letter arrived on XX/XX/XXXX at XXXX XXXX. I requested all documents supporting/related to the {$15000.00} amount. I have not received anything or an acknowledgement. My home is currently being sold. Escrow is due to close XX/XX/XXXX. I of course only want to pay what I owe. 

Due to the lack of response, Ill have to pay this amount off so title can be transferred to the new owner. I want to see the proof that this amount is owed. Im not disputing the principal balanced owed. My wife and I have no recollection of what the other amount represents.

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 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I tried to link my PNC Bank account to XXXX so that I could trade stocks, but I was unable to do so due to a recent change they made. I would like this to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
" We conducted an investigation and believe these transactions are valid and belong to you. Therefore, we are respectfully declining your request for permanent credits of those disputed transactions. '' Again -- No reason at all given for your XXXX conclusion ... I will be  showing all of this to the credit bureaus when the time comes and also the debt collection agency that will be one day be calling me on behalf of Capital One regarding the charges ... Again -- I am not paying for these charges because I am not responsible for them as I did not make the purchases -- which I just got done pointing out and you still have the audacity to not give a reason for your supposition, and then tell me you " respectfully '' decline my request to be permanently credited, right in front of the CFPB!! There is nothing " respectful '' about that. You people are brazen!! Again -- I refuse to pay for fraudulent charges which you still won't because you can't show any proof of your claim. And I consider this matter closed ... Also I will never EVER patronize Capital One again. Have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On two separate occasions, XX/XX/2020 and XX/XX/2020, debt validation letters were sent and received via certified mail, by Portfolio Recovery Associates, LLC. I sent these letters to them to verify the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I have yet to receive a proper response and they are reporting negatively on my credit without verifying this information. I would like this information deleted immediately, and for them to cease and desist this erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020 I received a check with the amount of {$2200.00} in the mail from someone who portrayed himself as my supervisor. I was instructed to deposit the check and transfer {$1800.00} through XXXX as a donation to the local foster homes. I did not realize that I had been scammed until I checked my bank account to find that the check had bounced. As a result, my account had been overdrawn by {$1800.00}. I called my bank immediately to dispute these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal has put my funds on hold again in the amount of {$430.00} and I made a cash advance from my credit card with another bank and I load this money at XXXX and I was told I have to wait 12 hours for the money to be released I would like to close my account and never want to do business with PayPal ever again and I want my XXXX money I need it to pay my bills and PayPal wouldnt released my {$430.00} back into my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 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: TX

Complaint narrative:
I have sent Equifax a certified letter disputing the following inquiries, but still no feedback XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I signed a stipulation with the county court for an eviction. I had to be out by XX/XX/2020 as a stipulation. The eviction was NOT for non-payment. My lease was signed until XX/XX/2020. I signed the stipulation unaware that without prejudice meant they can sue me for money owed until the end of my lease term. I thought it was suppose to cease further actions if I signed. That was not the case. I found out after reviewing my credit report that National Credit System Inc. Reported I owed XXXX XXXX XXXX XXXX XXXX , the apartment ( student housing ) I accepted the stipulation for, {$5200.00}. This balance is for rent up until XX/XX/2020, when my lease was suppose to end. I left XX/XX/2020. My room was rerented sometime in XXXX, according to my old roommate who still resides in one of the rooms and I called the XXXX and they did say it was rented. I contacted the collection agency, National Credit Systems Inc to dispute the accuracy but I am not sure what they did or what they are going to do about my complaint. I was told by Colorado Housing Authority that they can only charge me for the time the unit was vacant and once it was rented the balance I owe should reflect that. They are double dipping and it is illegal. I want the whole debt deleted from my credit report and the debt dismissed due to these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent Experian a certified letter disputing the following inquiries, but still no feedback XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2020 I am currently living on the streets. I was scammed for XXXX dollars while trying to find a apartment to rent. The scam involved me sending money through the XXXX app. I transfered the money through Chase/XXXX and than figured it was a scam once the scammer no longer kept contact. Contacted Chase and the told me nothing could be done, contacted XXXX and was told the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Last year we purchased a bike and were sold on getting the store credit card for XXXX XXXX through Comenity Bank. We were sold on the idea of 0 % financing for 12 months, which we naively understood as 0 % financing for 12 months. The idea sounds great in theory, but Comenity Bank will charge you all accrued interest from day 1 if you don't pay every dime back before " the promotional period '' ends. We have used 0 % financing before throughout the years for other purchases and never have we encountered such a predatory term before with any other lender or bank. 

Due to the pandemic, my wife getting diagnosed with XXXX, and the state of the world to be fair, we made a mistake and paid the balance of {$420.00} twelve days after the promotional period ended. The original purchase amount was over {$5000.00} so the interest charged to the account was {$770.00}. I found out about the balance due today, XX/XX/2020. I called and tried to explain, but due to the bank 's predatory terms, none of the representatives could help albeit their best judgement and understanding told them I had a point. One representative told me to appeal the finance charges and two of the representatives provided me some guidance in how to do so. All I got out of the calls I made today were, " the finance charges will stick '' because the " terms are the terms ''. 

After doing some research on social media, I noticed that predatory terms and lack of compassion are the values this company stands for. I know that I am not alone in filing complaints against this bank. They have clearly shown they care about their numbers more than they care about their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a long standing account with CapitalOne. I paid of balance in full and was unaware it would be closed due to inactivity without opportunity to reopen. I am interested in keeping and using account and should have been better notified of closing. Logging in online periodically ; the website gave the impression everything was ok. PDF 's of statements online do not indicate any issues. Even showing XXXX balance and credit line of $ XXXX and points to use. 

I just received email my account is closed and have a deadline to use rewards. I feel the website should have notified me about account status online so I could take prompt corrective action and resolve account closing.

Company response to consumer: Closed with explanation