vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 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: PNC Bank N.A.
State: IL

Complaint narrative:
I received a direct deposit to my account on XX/XX/2020 for unemployment. I have a Pnc Smart Access Card and they have now put a hold on my account and I dont have access to my money. They will not give me a time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
TWO TIMES NOW I HAVE TRIED TO DISPUTE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MY ACCOUNTS I NEED THESE ACCOUNTS REMOVED OFF MY REPORT I HAVE NOT LIVED IN THE XXXX AREA I HAVE FAMILY THERE BUT NOT ME I DO NOT KNOW HOW THESE ACCOUNT POPPED UP ON MY REPORT PLEASE LOOK IN TO THIS MATTER.

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 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX mobility to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. 

In late XX/XX/XXXX I received a collection notice from Sequium Asset Solutions , LLC. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. 

Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. Consequentially, I have been unable to dispute any alleged collection notices in writing by mail during the COVID-19 crisis/epidemic. That is, outside of the CFPB I have not had the ability to exercise my Right of Notice and Opportunity to Be heard that I am afforded as a part of my rights of Due Process. In fact, the stay-at-home order was not rescinded until XXXX XX/XX/XXXX and my state continues to operate under a a state of emergency declaration pursuant to Executive Order 2020-106 issued XXXX XX/XX/XXXX, and superseded by Executive Order 2020-127 issued XXXX XX/XX/XXXX by the Governor of the State of Michigan. 

I do not owe the alleged amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Victoria Secret is incorrectly reporting a delinquency account on my credit report. Report shows an account opened in XX/XX/XXXX and charged off in XX/XX/XXXX with a {$910.00}. This account was closed years before XXXX and should have been removed. The charge off has been reported on my credit report more than once and renewed for an extended period of time. I requested proof of account and charge off date to no avail. Company closed my dispute without removing this from my credit report. I currently have a victoria secret card thats was opened in XXXX, which makes no sense they are reporting an account charged off the previous year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
The account has already been paid in full and still has been submitted to the credit bureaus after being paid in full. 

Contacted the company and have left messages. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: NJ

Complaint narrative:
My investment account with XXXX requires a link to my bank account with PNC and I would like to do that but for some reason PNC is not allowing me to do that. Today ( XX/XX/20 ) I tried to link my accounts and I was unsuccessful because PNC changed something and will not allow it. Please investigate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This bank is crazy after allowing me to open a checking account they blocked my debit card I cant use my account I dont understand them why they like to bother me I have done nothing wrong for no reasons they like to bother they have nothing to do the branch called me said they spoke to their Backoffice and they told me to come they opened my account ordered my debit card and checks the account was active and fine and all of a sudden its frozen

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 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I put my covid19 government help into a paypal account and when I tried taking it out they banned me from pay pal and said they would keep my XXXX dollars for 180 days.i need this money and I've done nothing wrong to warrant this treatment.i assure you if I not want to ever use paypal service ever and wouldn't recomend them to my worst enemy.i would like to know why hasn't anyone from paypal go to jail cause from what I've read they do this to a lot of people and collect interest on their money. im losing my home my car cause of these people and no one will help me. you can't call them and you can't email them, what kind of business is that.o need your help, I'm on my last leg and if I'm not helped soon I fear it will be the end of my life.my wife and kids are leaving me cause I can't pay my mortgage so I have nothing else to live for ... .paypal single me out, why I know this cause they also lock out XXXX XXXX and my son XXXX XXXX.which my son had XXXX dollars in his and he transferred XXXX   to XXXX and that day they'll ked her out.anyone associated with me they lock out and kept their money ... ... PLEASE HELP SOON!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
This company is a scam. I purchased furniture in XXXX. Paid it off in 101 days. They removed my contract off XXXX so I couldnt access it. This company also keep stealing my credit info off of a visa website. This company also charge my XXXX XXXX  account with a name that dont even exists or related to the companys name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I applied for a loan Modification and was offered a balloon mortgage where my lender added 21 years to my mortgage and only lowered my mortgage payment by {$400.00}. They are refusing to revisit this and now I am being force to sign off on a balloon mortgage Modification deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
Two years ago on my USAA account not only was my checking account I had theough them fraudlantly used but so was my credit card. There was suddenly a {$5000.00} payment from an unknown source to my account which they USAA originally credited to my account. When I questioned it and what was going on it suddenly became my responsibility as they couldnt figure it out or give me a straight answer about it. My account was closed by USAA and I was not informed therefore had no way of paying anything on my account. Finally paid off the balance minus the XXXX and kindly told them I was not paying what was not my responsibility and what I did not agree to. It has been going on for two years and now they have flagged my account as not paid for over thirty days. I have no account through them anymore and no way to pay either as I have no access to my mobile banking which is a direct pay. They closed it off to where I could no longer pay. Then they are charging fees to the balance of which is not mine. I will not be paying and do not appreciate this going against my credit as it is not my fault and they have not solved the issue for over two years. I will not pay any extra fees either. I have discussed this with them and they have done nothing but say the same old story that they cant figure it out so its my responsibility. When they are the ones that allowed it to happen to my account. Its fraud on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Card, Inc.
State: GA

Complaint narrative:
The account has already been paid in full and still has been submitted to the credit bureaus after being paid in full. 

Contacted the company and have left messages. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TWO TIMES NOW I HAVE TRIED TO DISPUTE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MY ACCOUNTS I NEED THESE ACCOUNTS REMOVED OFF MY REPORT I HAVE NOT LIVED IN THE XXXX AREA I HAVE FAMILY THERE BUT NOT ME I DO NOT KNOW HOW THESE ACCOUNT POPPED UP ON MY REPORT PLEASE LOOK IN TO THIS MATTER.

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 2020-06-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
TWO TIMES NOW I HAVE TRIED TO DISPUTE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MY ACCOUNTS I NEED THESE ACCOUNTS REMOVED OFF MY REPORT I HAVE NOT LIVED IN THE XXXX AREA I HAVE FAMILY THERE BUT NOT ME I DO NOT KNOW HOW THESE ACCOUNT POPPED UP ON MY REPORT PLEASE LOOK IN TO THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I attempted to link my PNC account with the XXXX XXXX XXXX application, and it stated that PNC made changes that prohibited me from doing so, with no further explanation given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: ID

Complaint narrative:
I ordered some XXXX masks XX/XX/2020 in case we needed a few of them at work. I am the XXXX XXXX XXXX for a XXXX XXXX  I work at in XXXX, ID. 
XXXX charged me {$49.00} for only five masks. The Chase Visa Card transaction date was XX/XX/2020. This was during price gouging time and people were fearful with the beginning of the Covid19. I went ahead and paid the money, but still have not received the masks. Order number was XXXX. I have emailed them with no response. I have called them on XX/XX/2020 and the number is not valid according to the automated system. 

I contacted the Idaho Attorney General Office with the above complaint on XXXX also disputed the charge and sent Chase Card Services the information I sent to the Idaho Attorney General. XXXX at the Idaho Attorney 's General Office is still unable to receive any response from this company. Tonight I discovered many complaints about XXXX, on the following website XXXX XXXX XXXX I received a letter last week from Chase Credit Card Services saying they see no error in this charge and the charge will remain on my bill. I believe Chase Visa is blatantly disregarding their own credit card policy. I also believe they know I have been scammed. I pay off my credit card bill every month, and for them not to credit my account is dishonorable! 

I called the Chase Credit Card Company at XXXX on XX/XX/2020 at XXXX hrs after waiting on hold for 46 minutes. When someone finally answered the phone, she said her name is XXXX. She was insolent in her demeanor, spoke over me, and yelled at me and said WHAT IS IT YOU WANT? This was not good customer service and she was unwilling to listen or even attempt to resolve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have owned a Chase credit card for several years with a credit limit of {$4000.00}. In XXXX of 2020 I utilized my income tax return to pay off the entire balance of the card in an attempt to increase my credit rating. I had plans to make a major purchase in the near future so I paid off the card to obtain the best APR possible when applying for the loan. Without notice from Chase Bank, I received an alert from two credit monitoring agencies I utilize both notifying me that my credit rating had dropped, considerably, in XXXX of 2020. This drop was a result of Chase lowering my credit limit from {$4000.00} to a mere {$500.00} limit, and they then tacked on a {$100.00} membership fee. Several unsuccessful attempts were made to telephonically contact their customer service department for an explanation for the sudden and unannounced drop. I then submitted a written request via their electronic messaging system and received ( electronically ) the following reasons in response to my inquiry : one or more Chase cards is delinquent, bankrupt, or in a payment program ; one or more Chase cards was recently delinquent ; payment amount above the required minimum on some Chase cards is low ; one or more Chase cards has a low payment compared to statement balance. EVERY SINGLE ONE OF THESE REASONS ARE COMPLETELY UNTRUE! For one, this is the only Chase card I have ever owned. Also, I have paid every single payment to this company on time and at or above the required minimum payment amount the entire time I have owned it! I also have an auto loan through Chase, which I have never missed a payment nor paid less than the required amount on. My credit report reflects this! Further, they claimed that I should have received a written notice of the reduction 10 to 14 days after the reduction. This is also untrue! I still have not received any such notice in the mail. I believe this reduction has been made either in error, or as a malicious and unfair practice which results in a financial gain to the bank as I, the consumer, will suffer from a higher APR due to such a severely impacted credit score when attempting to apply for future loans or to restore the original credit limit on the card. This is completely unfair and needs to be stopped. Please take note that their actions were taken during the onslaught of a PANDEMIC! I have been working very hard to faithfully support our local and national economy during this very difficult time. The poor and untimely decision of Chase bank has severely impacted my efforts and finances in doing so. Its not just about me either. This card is a Southwest Airlines rapid rewards card. Their airline company is struggling right now and I can not possibly support them by traveling with a family of four on a {$500.00} budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I received communication from Americollect claiming that I owe {$490.00}. Under the Fair Debt Collection Practices Act, I sent a certified letter with my current address to Americollect to request validation of the debt as i did not recognize it. The letter was delivered on XX/XX/2020 and to this date have not received a response. As it has now been 30 days, this is required to be removed from my credit report and i have received no communication whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: PA

Complaint narrative:
XX/XX/2020,XX/XX/2020 I called at least 3 or 4 times and I was told to call unemployment for a replacement card. I been calling unemployment and even left a message and I haven't receive a call back. My card balance is the amount expected but I don't have the card. I'm having trouble because I have to fax proof of my new address.

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 2020-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
This complaint involves all three credit bureaus : XXXX, XXXX, and XXXX. They should be included in this complaint along with Navient. 

Please see attached document with screenshots. 

In violation of the Fair Credit Reporting Act, Navient continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against Navient was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. 

What is Navients consequence? What is the consequence for the three credit reports? Navient and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or Navient, the business reporting the bogus information to the credit bureaus? 

Below are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get Navient and the three credit bureaus to report accurate information ; it is the law.

Company response to consumer: Closed with explanation