vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
CHASE credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a XXXX. 

Was notified by XXXX that they had taken over my CHASE card account, so worked with them to address the issue rather than run from the problem. 

Due to XXXX I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}. 

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Since living in XXXX, I have had numerous issues with the PNC at XXXX in XXXX. The latest is that they tacked on an {$85.00} fee as this is the 'second year ' that I have had this credit card and they charge every year except the first, according to PNC .

However, I had been with PNC in XXXX for 6 or more years and had had the same card all that time, with no fees tacked on at all. I had an excellent relationship with the PNC in XXXX, XXXX, and had no problems with them. 
I believe that they are fleecing me over here - my friends who are with other banks think that maybe PNC over here has financial problems, or perhaps that they are taking advantage of me because they know about my funds at another financial institution. 
You have not yet helped me with this bank, and I believe that they are taking advantage of me. Also, I am XXXX years old, and should be protected by someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
Ally Bank has been made aware of Federal Social Security deposits made into my checking account with them however the funds have been blocked several times including now. I am entitled to have access to my social security payments yet they have my account in a deposit only status which is a crime to place this type of HOLD on Social Security payments. I am reaching out to the CFPB to get involved in the matter as I have spoken to Ally bank about this several times. Regardless of overdrafts occurring at times they are not ALLOWED to block SSA payments from use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
When my information was originally leaked, they offered me Protection Services. I put a security freeze on all 3 reports and they let numerous inquiries still go through. I also have accounts that are not accurate, not mine and I'm not allowed to dispute them any further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: MO

Complaint narrative:
XXXX credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a deployment. 

Was notified by XXXX that they had taken over my XXXX  card account, so worked with them to address the issue rather than run from the problem. 

Due to deployment I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}. 

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a deployment. 

Was notified by XXXX that they had taken over my XXXX card account, so worked with them to address the issue rather than run from the problem. 

Due to deployment I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}. 

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a deployment. 

Was notified by XXXX that they had taken over my XXXX  card account, so worked with them to address the issue rather than run from the problem. 

Due to deployment I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}.

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I keep receiving phone calls at work from a company called Portfolio Recovery ( XXXX ). My coworkers have also reported that they have received calls from Portfolio Recovery asking for me. I have asked them to stop calling my work number and have told them that I am not allowed to receive calls at work. They called again today at XXXX. I do not know how to get them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi, I am in the process of purchasing a home and the loan officer requested I lift the freeze on my credit. I was able to easily temporarily lift the freeze with XXXX  and XXXX. 
Regarding Experian I've tried their online form and called all different numbers listed on their site. I also have the pin number they provided when I placed the freeze years ago. 
I've been trying for three days to speak to someone and am unable. I've called all the numbers listed on Experian 's website followed instructions and just get an automated loop nightmare. I've also contacted them via email and received no response. I also tried to create an account with them and couldn't. Experian is making it impossible for me to request a lift on my credit which is preventing me from obtaining a mortgage. Something I need to do immediately! 
I also contacted Experian 's business line and I was able to speak to a person who gave me the instructions on how to get to a human but it did not workout. I am unable to get to the option of unfreeze my credit. I am only provided with the option to freeze my credit or place an alert to my credit. These are all the numbers I tried : XXXX. Customer Service. 10 mins. XXXX. 
XXXX. 
XXXX. Corporate Offices. 7 mins. 
XXXX Credit Reporting. 35 mins. 
Customer Service. 
XXXX. 
sent email to : XXXX. Customer Service. 
XXXX. Fraud Detection. 10 mins. 
My wife as tried as well with no success. 
There is a glitch with Experian 's network and is preventing consumers from getting access to their credit. 
I look forward to your response. 
Kind Regards, 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 2018-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
I initially started doing business with XXXX XXXX XXXX in XXXX of XXXX, and at that time i was prequalified for up to $ 1500-00 cash. 
I continued to do business up until XXXX of XXXX, at which time this merchant was paid in full. 
At the time I closed the loan I was not informed that there was possible changes of lending policies at that time in the future or fine print. I thought I was paid in full. 
I recently recieved forwarded mail from them on the XXXX XX/XX/XXXX, from this entity that I would be charged a {$180.00} " maintenance fee '' for having an available open credit line, on XXXX XXXX. 
I called to protest, and told them " how could it be so, I paid you in full? '' The CSR told me that as of XXXX the XXXX, if by then you did'nt OPT-OUT that it would be too late to do so. She expressed her apologies and then told me that there was nothing she could possibly do. I recieved this response from 3 different CSR 's I told her that I would call all the consumer support agencies that I could, because it was unfair. She conceded with me, and reiterated that there was nothing she can do.

She then told me that if i wanted to " OPT-OUT '' I would have to pay the fee of {$180.00} first only then i would be able to close my account. 
This to me folks is " consumer extortion '' at the least and the new way these types of entities harass consumers. Mr. XXXX XXXX is the President of this financial group, they are : T/A AXCESS financial, out of XXXX XXXX XXXX XXXX XXXX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
AMEX Bluebird has assured me every month that they would refund these chargea.

AMEX has decided that they do not want to refund the money as they loose merchant fees that way. I have attached the form AMEX wanted me to fill out so that you can see exactly what I am talking about. I will also copy and paste the section on the charges that I have disputed every month with them. 

Thanks agin for all your help! 

The merchant XXXX Date US Amount Merchant XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX total {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: MA

Complaint narrative:
On XX/XX/2018 I received a notification that XXXX made a hard inquiry to my credit report. I did not apply for a XXXX XXXX account and my information was used by someone else to open an account. I contacted XXXX and they did not help they told me to contact Transunion to dispute it and Transunion told me to get a deletion letter from XXXX who refused to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX  client XXXX XXXX is a victim of identity theft. His information was used without consent to obtain credit lines and services. While the accounts have been resolved and removed from his credit reports the issue of the address data related to the fraudulent accounts is still being reported. A formal dispute of these addresses was provide dto Equifax XX/XX/2018 certified mail with return receipt. Equifax has confirmed the removal of two fraudulent related addresses however in a credit report provided ( report number XXXX ) Equifax confirmed the same two previous fraudulent addresses as valid and reported the data. This activity is a direct violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I submitted a dispute to Equifax. As of XX/XX/2018 they had not responded so I submitted a complaint that they had not responded in the 30 days regulated by the FCRA and requested they delete the items in question from my report per FCRA. On XX/XX/2018 they sent a report, in violation of the FCRA, showing they had not removed those item as listed below : ACCOUNTS XXXX XXXX  XXXX not mine PUBLIC FILINGS XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
CFPB CASE NUMBER XXXX WFHM sent response to case and provided contact person name and number her voice mail states will call back within 24 hrs I've now left two messages for her and she refuses to respond XX/XX/XXXX and XX/XX/XXXX, voice mails left for her including the cfpb case number please help in simply getting the assigned contact person to respond here is here info listed from WFHM contact response letter they sent me XXXX XXXX XXXX ext XXXX thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX regarding an alleged debt from " XXXX XXXX XXXX XXXX XXXX '' in the amount of {$90.00} from dates of service : XX/XX/XXXX and XX/XX/XXXX. These two {$45.00} charges were disputed by me almost two years ago with the hospital due to the fact the doctors office wanted me to pay for an office visit to receive lab results. Upon hearing that XXXX XXXX decided to take their concerns to a debt collector almost two years later, I called Wakefield & Associates on XX/XX/XXXX and spoke to XXXX. During the phone call, I was informed that the debt owed was in fact not {$90.00} as listed in their letter, but rather {$110.00}. XXXX downplayed the other charges as " miscellenous '' but could not ( and would not ) provide any additional information about these charges. He did, however, mention that they were for dates of service XX/XX/XXXX and XX/XX/XXXX. While the charge in XXXX may be apart of the date of service on XX/XX/XXXX. I have been a resident of XXXX, TN and not visited XXXX XXXX  or XXXX, TN since leaving the city in XX/XX/XXXX so I am not sure how I could have been responsible for the alleged charge in XXXX of this year. After asking for more information about these charges, XXXX told me that there wasn't more that he could provide me, but that I would have to dispute the charges. He then began asking if I worked and where I worked. I told him that this was not relevant and not something he should be able to ask me. He became defensive and asked " why not '' and " what law are you taking about ''. He continued badgering me for information by asking if it was a " state or federal law. '' When I offered to look up the laws regarding contacting any other persons besides myself ( FDCPA 15 U.S.C. 1692b ) and engaging in abusive behavior ( FDCPA 15 U.S.C. 1692d ) he shut down and said that " we've already been on the phone for over ten minutes now. '' I told him that this conversation was also being recording and that I would be filing a complaint because of the tone and content of his questions. I have attached the recording of the phone conversation, as well as a photo copy of the letter sent to me for review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Dear Creditor, On XX/XX/XXXX I have a hard inquiry on my credit report from your company and I did not authorize this inquiry and request that you please remove it immediately. 

On this day I entered the XXXX XXXX XXXX dealership to purchase a vehicle and was not aware that my information was run through to multiple creditors and you are one of them. 

I did not sign anything with your company nor did I authorize you to place a hard inquiry and request that it is removed. 

Thank you 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 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
The calls began 4 weeks ago. I have received a call from XXXX XXXX XXXXXXXX XXXX at least three too four times a day from random numbers requesting payment. I answer the calls and explain my situation of unemployment. However, they continue to call through everyday and through out the day. On XX/XX/18 at XXXX XXXX, I spoke to a call center manager, who I requested a verbal cease and desist. In addition, I requested an address where I can submit a written cease and desist. The address was not provided and the manager once again began his collection tactics. I am requesting assistance on having the calls stopped until I am able to make arrangements on paying my debt.

Company response to consumer: Closed with explanation