vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 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: Early Warning Services, LLC
State: AZ

Complaint narrative:
A XXXX XXXX Money Market Account was fraudulently opened in my name on XX/XX/2016. It was not funded and was subsequently closed on XX/XX/2016. Please see the attached letter from XXXX indicating that the account was opened as a result of a fraudulent application. I am requesting that Early Warning Services ( EWS ) removed this account from my report. It should also be noted that the email address and phone number listed on the EWS report never belonged to me. ( please reference CFPB Complaint ID XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I deposited a check for {$24000.00} at the ATM of the PNC Branch at XXXX XXXX XXXX, XXXX XXXX PA on the morning of XX/XX/XXXX. The ATM gave an error that it could not complete the transaction, but did not return the check. I spoke to the branch office 's Branch Sales associate XXXX XXXX and Branch Manager XXXX XXXX, who said there was nothing they could do and stated it was the ATM vendor 's problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: NJ

Complaint narrative:
After opening a secured credit card with XXXX XXXX XXXX, I was informed that my account had been " charged off '' after being just 30 days late. Since being originally notified of this, I have attempted 8 times to get accuate information reported on my Experian, XXXX, and XXXX reports. 
1 ) Problem # 1 : the amount reported was {$460.00} which was incorrect as I deposited {$300.00} to secure the credit ; this was updated. 
2 ) Problem # 2 : never being told what a charge-off meant and only that my account had been closed, I did not know what my options were ; then, I received an offer of settlement letter for {$120.00}. 
3 ) After contacting XXXX  XXXX XXXX re : the settlement, I decided to instead pay the full amount with the assumption that the account would be marked as Paid and Closed. 
4 ) Since then, XXXX has submitted 8 contradictory reports of this event and none of the agencies found the contradictory info alarming. 
5 ) Account Status has been listed as everything from Paid, Closed, Charge-Off, to Open 6 ) The data of the Charge-Off has changed from XX/XX/XXXX ( date of 30 day delinquency at which point account was closed ) to XXXX - XX/XX/XXXX to XX/XX/XXXX to being removed altogether for a 30 day mark in XX/XX/XXXX. 
7 ) The paid in full date of XX/XX/XXXX has been reported, but than changed to Charge-Off, Failed to Pay, and CLS 8 ) Status has continuously stated Account written off for {$460.00} when highest balance was {$160.00} and paid. 
9 ) Comments continuously state account closed by creditor when it was closed after payment. 

The lack of accountability and the fact that in a situation where a creditor provides different contradicting data 8x the consumer does not get the benefit of the doubt is troubling. 

This acount never reached 180 days late as required for a Charge-Off, I paid the full debt once notified of the option, and yet I still have a damaging notation on all my reports. This should be completely removed at this point, or at minimum changed to : 1. XX/XX/XXXX - 30 Days Late 2. XX/XX/XXXX - Paid in Full ; CLS 3. Status : Pays as Agreed ; Paid, was past due 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Receivable Management Services LLC
State: VA

Complaint narrative:
Receivable Management System are sharing my medical records information with unknown individuals over the telephone. 

They are not in compliance with requirements under 45 CFR SECTION 685.212 ( 3 ) ( 1 ) ( iii ) ( vi ) and are violating hipaa and share personal medical records with unknown individuals over the telephone.

They haven't verified the debt or service or treatment regarding the healthcare under hipaa. 

And is threatening to harm me by any means necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have had an account with Capital One for several years. Earlier this week I lost my debit card and requested a new one. Today ( XXXX.19 ) I received a new debit card and activated it in my app. The app was glitching and not loading completely but I was still able to activate the card and get a success message. I just got paid 2 days ago so there is plenty of money in my account that I need to access to pay my bills today. Shortly thereafter I tried to use it and it would not work, so I tried to call. I had to call 4 times before I could connect. Then I was on hold for 40 minutes -- call was dropped. I called again and waited on hold for another 30 minutes. While I was waiting I had started researching and found that they had XXXX  from their customer service account, @ AskCapitalOne, that there was an unspecified technical error causing these issues ( XXXX XXXX   XXXX ).  No information was provided in regards to what is specifically happening, why it is happening, what they are doing to fix it, how it will be resolved, or how they intend to compensate customers for their losses. I am currently unable to pay my bills, shop, or eat because I can not access this money. I have attempted to contact them via XXXX as well and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I contacted CITI bank online support on XX/XX/XXXX, was directed to XXXX instead of US. 
Online support representative notified me that account access can't be restore due to account was charged off. I advised representative that my account was enrolled into Debt Management Program since XX/XX/XXXX. Representative transferred my call to Recovery Unit which also located overseas in XXXX. I spoke to a new representative, have to verify all my personal information again. Spoke to representative named XXXX who not very knowledgeable and informed me again that my account was charged off. I advised representative that I never received any notification from a company that account was charged off. Representative stated that they are not required to notify me about action taken on my account. I have been discussing my financial situation with bank and asked him to assist me with enrolling my account into financial hardship program due to recent reduction of my income and lost of my employment. Representative refused to forward my info and request to appropriate department for review. He stated that I'm not eligible for hardship because I do not meet their criteria s for hardship. I requested to speak to supervisor. I have been on hold for more than 10 minutes before I transferred to supervisor. I spoke to XXXX, call center supervisor who also was reluctant to assist me with my need for hardship. He only offered me assistance to transfer my call to payment arrangement department who can assist me some payment options that might be available for me. I wanted to speak to someone in United States and not XXXX and they don't have any number to provide to me for assistance. I'm completely dissatisfied with CITI Bank customer service and how they treat their customers. No assistance at all. No reasonable explanation what they have done with my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE AUTO FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX & XXXX  ) I am not sure how this happened. I  believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
My husband ( XXXX XXXX ) and I were both listed as co-owner 's on Bank of America accounts with XXXX 's Uncle ( XXXX XXXX ). These accounts were closed by XXXX in XXXX prior to his death on XX/XX/XXXX. These accounts were closed with XXXX balances and per XXXX XXXX XXXX ( XXXX ) Please see the attached letter from XXXX stating " no adverse consumer reporting was generated ''. Please also reference CFPB Complaint ID XXXX. XXXX was unable to answer why these accounts are showing up on my Early Warning Services ( EWS ). The three accounts ending numbers are : XXXX, XXXX & XXXX. The information listed on the EWS report is inaccurate and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I have requested an itemized validation of the debt because it is a hospital bill that I would like to know if I have already paid a portion of or that I didn't owe to begin with. I got one statement from them that had a one line total, date and who it was for, nothing else. Every time they call me, they ask for my date of birth, last four of SSN and my street address. They call from different numbers and I do not feel comfortable giving any of that info out. I have asked them to quit calling me while I am at work ( I XXXX XXXX XXXX ) and that they can reach me after XXXX XXXX, but not only do they continue to call, they called 2 hours after I told them not to call me at work. I have started paying down the smaller debt directly to the XXXX. These people are nasty and rude and I do not want to pay them anything. I have proof of my last three payments to the hospital ER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Glasser and Glasser, PLC
State: NC

Complaint narrative:
Yesterday, I received a notice from the XXXX XXXX XXXX XXXX XXXX, that an collection agency named Glasser and Glasser had filed a judgment against me for a supposed debt owed to XXXX XXXX. First of all, I have no debt with XXXX XXXX, and I contest the debt. But more importantly, I did not receive a notice of my right to dispute this account, prior to being served this notice. By not receiving a notice of right to dispute, Glasser and Glasser has violated my federal rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FMC-XXXX XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: LA

Complaint narrative:
I moved out XX/XX/2018 when they changed management, I called to inform them of the move and wasnt able to speak to the proper person. They keep sending notices when I dont owe them anything and now theyre trying to sell my information to other companies if this dont resolve the issue I will take further actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: TX

Complaint narrative:
I have contacted Experian numerous times yet they have failed to follow law about accounts that I am telling them I am a victim of identity theft on. Yet they sent me a stall letter stating that I disputed wrongly or mispresenation. I know what belong to me and what does not belong to me. Have never in my life health with XXXX or XXXX or any company that either of these companies represent. Yet XXXX even sent notice that these accounts did not belong to me and were being deleted but Experian failed to do so. I WILL BE FORCED TO SUE EXPERIAN IF XXXX AND XXXX IS NOT REMOVED IMMEDIATELY.I am very distressed that you have included XXXX AND XXXX information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan, which was highly embarrassing and has negatively impacted my lifestyle. With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( XXXX & XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE REALLY TRIED TO WORK WITH EXPERIAN CREDIT COMPANY THEY HAVE CHARGE MY CREDIT CARD TO many times I set up my account and everything once they have charge my credit cards of the amount of XXXX I was on a trail basic until XX/XX/2019, meaning they wasn't not force to charge my credit card, not only did they lied to me a consumer, they charging my credit card before the renewal date, they are committed fraud charges on my credit card. Then they lock me out of my credit report they still charging my credit card under false pretenses

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: WA

Complaint narrative:
I opened a checking account with Bank of the West on XX/XX/2019 with the promotional bonus of {$250.00}. The terms of the deal required 4 consecutive months of direct deposit ( of {$250.00} or more each month ) starting the month after the account was opened. Once these requirements were met, the bank would credit my account with the {$250.00} bonus by XX/XX/2019. I have attached the terms of the promotion. 

I gave my employer my Bank of the West account information and they set up direct deposit to my new account, and I received deposits into my account on the following dates : XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19.

I did not receive a credit to my account by XX/XX/19. I called the bank on XX/XX/19 and XX/XX/19 to inquire about the bonus and they informed me that because there  was no deposit in XXXX, I did not qualify for the bonus. I provided my employer with the new direct deposit information on XX/XX/19, but direct deposit did not start on my account until XX/XX/19 because XXXX had to verify the account, so a deposit was not made in XX/XX/XXXX. I asked the bank to honor the promotion even though I did not have a deposit in XX/XX/XXXX because it was out of my control. 

I believe the requirement to have a direct deposit in the account the month after the account opens is not enough time, especially when the account is opened at the end of a month. The terms of the promotion are unfair.

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