vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A loan from XXXX XXXX & XXXX is on my Equifax credit report. First I have never missed a payment, and second it still is being reported as open when the account shows a {$0.00} balance. The account should be closed and the accurate payment history should be reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
Hello, Earlier this morning I applied for the HSBC Cash Rewards Mastercard. I got to the Authentication Interview and, after answering the questions successfully, the application pended for further review ( I'm guessing somehow one or more questions were wrong/XXXX has not been fully verified? ).

I just called HSBC and got to an agent named XXXX to get the matter resolved ( I believe overseas ) who advised me that I would have to wait up to 21 days for the final decision. The call took place at approximately XXXX XXXX EST on XX/XX/18. Instead of clearing XXXX with me over the phone or advising me of what I need to send in, he told me that I just have to wait, which is unacceptable. I am looking to use the card sooner rather than later with holiday shopping, and I do not want to wait 21 days. I also thought the rep was very rude. I even advised him that I would be submitting this complaint if we kept going in circles and he didn't care. Then, at XXXX XXXX a manager called me back, apologized, but reiterated there is nothing that can be done, so I reluctantly gave up and just decided to submit this complaint. 

I'd like to have this application reviewed as soon as possible. I understand that there is a log of apps in your pipeline, but when a prospective customer calls in and advises of extenuating circumstances/stresses the need for a more immediate review, the answer should not be " tough ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: GA

Complaint narrative:
ARS National Services needs to delete and remove this XXXX account from my XXXX  credit report or legal actions will be taken against XXXX and ARS National Services. I did not open this account. This is fraud and needs to be deleted and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I was charged an annual fee on this card on XX/XX/18 in the amount of {$190.00} for a XXXX Platinum card. 

I found out about this and down graded the card to a no fee card. In the past the credit card companies have refunded the annual fee en toto and downgraded the card within 2-3 days There were no charges or benefits of the platinum card during the two day interval. 

I have been informed by Amex that they will hold the refund for 45 days, and then only remit a pro-rated amount, i.e. $ XXXX/365 days * 45 days. This is the case even though there are no other parties or disputes to resolve, so a refund could still be given in 48 hours. Also they are charging for the benefits of platinum, that I as a customer can not avail myself of. 

In addition, they claim since they say they read a disclaimer that they have a right to break from customary dealings and hold the float and XXXX out a prorated fee on a card I can't utilize. 

I think this runs afoul of consumer protections. The only support at Amex were offshore agents who have little familiarity, and stressed the disclaimer. 

Please spread the word about this nefarious practice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express needs to delete, remove and block this fraudulent account on my XXXX credit report. I did not open this account. Someone used my name without my consent. I will contacted the consumer attorney as well as writing my Attorney General Office regarding American Express reporting a fraudulent account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX, at approx. XXXX EST, I received a phone call from XXXX -- an employee of Paramount Recovery Services . The employee would not give her name. She stated I had a medical debt from XX/XX/XXXX and I needed to verify my personal information. I told her I was not comfortable giving her my personal information ; however, somehow she knew my personal information, including the last four digital of  my SSN. I immediately hung up the phone as I do not have an outstanding medical bill and my credit report does not reflect this six year debt they claim I have.

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 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018, Judge XXXX XXXX, entered an Order setting aside the garnishment. The Court Order states that all funds held by Bank of America ( Garnishee ) must be release to defendant XXXX XXXX. The order also reflects that the garnishment is dissolved. On the very same day, i furnished a copy of the Court Order to Bank of America legal team, however BOA has not updated the account or set aside the garnishment pursuant to the Court Order. Numerals calls have beeb made to BOA and they continue to delay the process and this creates additional hardship to defendant. BOA has ignored a court Order, BOA should be sanction.

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 2018-11-07 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I purchased 2 giftcards on XXXX  from the store paypal digital gifts, a subsidiary of paypal. 

The cards were both {$100.00} XXXX giftcards on sale for {$95.00}. 
Card # 1 was purchased on XX/XX/XXXX with Order ID XXXX. The XXXX Item number was XXXX and the XXXX transaction ID was XXXX. 

Card # 2 was purchased on XX/XX/XXXX with Order ID XXXX. The XXXX   Item number was XXXX and the XXXX transaction ID was XXXX. 

Emails for both cards were sent to XXXX and were discovered unopened on XX/XX/XXXX. When opened, the emails contain a link that says View My Code. When that link is clicked one is taken to a page on paypal.com/gifts that says the link is no longer valid and states to Call PayPal Customer Service at XXXX. That phone number feeds into an automated loop of paypal info with no live person or system to navigate. 

On XX/XX/XXXX I spoke with paypal customer service. The man who answered stated that NO emails would have ever come from XXXX, that my order number didn't exist, and that there were no transactions that matched my record. His supervisor, XXXX, stated that she could see the order but that they had no way to regenerate the giftcard. 

The item I purchased was an egift card. This was not delivered to me. What was delivered was a link to the item I purchased ( but not the actual item ). There is no mention that that link would expire and no indication that one needed to download the card right away. The terms and conditions linked in that email state that the funds on the card do not expire.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: GA

Complaint narrative:
State Farm Bank refuses to provide me with proof that my rights have not been violated. I will not be paying for something that I did not open nor authorized. This is a fraudulent account which needs to be deleted, removed and blocked from my XXXX credit report. I spoke to someone last month and she was supposed to have sent me a letter on steps that I need to take in order to get this matter resolved but I never received any correspondence on how to delete and remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AR

Complaint narrative:
I sent a certified letter to XXXX XXXX XXXX which was received in XX/XX/2018. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recalled having an account with the creditor in question. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio recovery, a collection agency I have never had any contact with at all of any kind, is reporting a debt to the credit reporting agencies in the amount of {$3600.00}, as of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I used the PNC Mobile APP XXXX to Transfer money to an individual to purchase Football Tickets for the XXXX XXXX vs XXXX XXXX XXXX on XX/XX/XXXX. I sent the buyer {$200.00} to his XXXX email address out of my checking Account and the seller never sent me the tickets and disappeared leaving me out {$200.00}. I immediately called both XXXX and PNC both of which who said there was nothing they could do as XXXX did not offer any buyer protection and it should only be used with friends and family. PNC took my dispute but spent less than 1 day researching anything and sent me a denial letter of my dispute. I was fraudulently scammed out of {$200.00} and my bank is doing nothing to help me retrieve my funds. They said i authorized the transaction therefore its my fault. This is no different than using XXXX or XXXX  and authorizing a transfer of funds why is XXXX any different? I feel I am wrongfully being cheated out of {$200.00} by both my bank and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: TX

Complaint narrative:
I have written and faxed over documentation to the major three credit bureaus regarding addresses on my report that are incorrect, and the information was not removed as I requested. I have been at my current address for over 10 years. Please contact the bureaus about this request. The bureaus are supposed to report accurate information and in this case they are not. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018 my wife and I checked into an XXXX XXXX for what was supposed to be a 7 day stay. Upon checking in that evening after flying into our destination, we were extremely disappointed in the cleanliness and filth of the home so we left 1st thing in the morning and checked into a local hotel. XXXX XXXX refused to give us a refund for our stay for the 6 nights we did not stay and insisted that they keep the full {$350.00} even after we sent them photos of how disgusting the house was. 

At this point, I called Chase Bank to dispute the charge and Chase gave my a provisional credit. Chase was able to see that we in fact checked into a hotel seeing that I used my Chase Credit Card for the hotel. They said that was sufficient to show that we did not stay at the XXXX XXXX and we thought the issue was resolved. I explained to Chase that I was willing to pay for the one night ( 12 hours ) we did stay and they said there was no way to refund only 6 of the 7 nights. 

Well now, over 2 months later, Chase is reversing {$260.00} of the {$350.00} that was originally reversed. After 3 phone calls with Chase, I have been told I have no recourse because XXXX XXXX provided documentation that substantiates the charge. Really??? So what was supposed to be {$50.00} a night is now {$260.00}? Chase could not refund my account only the applicable {$300.00} for the 6 nights we did not stay, but they can now credit XXXX XXXX {$260.00} for one night? 

Chase refuses to send me a copy of XXXX XXXX 's response to them so that I can properly refute their response. Chase would not let me speak with a manager and  acts as if its a closed deal. XXXX XXXX made NO attempt to settle this issue with me and now Chase is making no attempt to represent me as their customer either. So I apparently have no recourse except to file this complaint and/or hire legal representation which would cost far more than the {$260.00} that was in my opinion, just illegally taken from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I went into a Bank of America Branch in XXXX, XXXX  and reported my card missing and had my card closed and was issued a temporary card. I started using my temporary card right away and didn't know my card that I was told was inactive/closed was still being used as well. While I was living in XXXX and have proof of me not being in the areas of my stolen card being used. The total amount was XXXX that I deserve to be credited as I went in and closed the card before any of these transactions had happened. They are telling me I might of given my card to someone but that makes zero sense since I went in and closed the card right away before any of the transactions even happened. I have plenty of bank statements anything that needs to be supported. If this doesn't get resolved now the next step will a lawsuit.

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 2018-11-07 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: CMRE Financial Services, Inc.
State: GA

Complaint narrative:
As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by CMRE XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Am attempting to close at least 360 checking account # XXXX and debit card # XXXX, do not have card as I believe it was stolen along with my credit card # XXXX yesterday, Tuesday, XX/XX/2018, which is being investigated. Looking at my cleared checks there was one # XXXX, a contribution to the Senator XXXX XXXX campaign, which appeared across my screen on my XXXX and then was gone. I attempted to investigate with Capital One, to NO avail. Went further and reached to the recipient of this check, had a conversation with someone in his DC office. Was told their mail was being held, ( probably XXXX or some other type of threat ) therefore a good possibility why my check has not cleared Capital One, even though it did for a flash. Now, I can not close my account as I wanted and will not be able to call this bank HISTORY as the other financial institutions I enumerated with your XXXX # XXXX in our phone conversation, which I initiated, today, Wednesday, XX/XX/2018 and provided information for 23 mins. What the S- is going on!! As I mentioned to your XXXX, I have complaints, letters, etc., with regard to this bank. Told him to let me know if they are required for this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: AZ

Complaint narrative:
I applied with each of the credit bureaus to put a credit freeze/consumer protection freeze on each of my XXXX ( XXXX ) minor children 's social security numbers. My children are ages XXXX, XXXX and XXXX. 

I received from Equifax a confirmation that my XXXX year-old had a credit freeze placed and they provided me with a PIN number that I would need to unfreeze her credit file. 

I received from Equifax a brief letter for the XXXX year old and the XXXX year old that a credit freeze had been placed on their files and that a PIN number would be sent in a separate mailing. I never received this mailing. 

When I called Equifax to investigate, they told me the following : 1. They do not issue PIN numbers for credit freeze for a minor ( even though I have letters to the contrary dated within the past week ) 2. The only file they have is for the XXXX year old and on her file is the information provided for the XXXX year old and the XXXX year old ( that is, all XXXX children 's documents were uploaded to one account ) 3. There are no files created for the XXXX year old and the XXXX year old ( despite the letters I received to the contrary ) My fears are that : 1. Private information for the XXXX year old and XXXX year old are on another person 's account 2. There are now issues freezing or unfreezing credit for the XXXX year old and the XXXX year old. 

I started this process after the credit breach this year to protect my children and now I feel like I've created a mess. 

I have also been unable to communicate with XXXX - There is no way to speak to a human on the phone. There is no office to visit. There is no email with which to communicate with them. I received one letter from XXXX with confirmation of a freeze and PIN number for the XXXX year old but not the XXXX year old or XXXX year old so I have no idea what happened to the younger children 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I declared bankruptcy and it was discharged as a Chapter XXXX bankruptcy on XX/XX/XXXX. My Bank of America credit card account was part of that discharge yet they are still reporting to the credit reporting agencies that I am delinquent on that account, over 10 years later. On approx. XX/XX/XXXX, I contacted them by phone and the clerk agreed their records show the account was discharged in my bankruptcy and that she would submit a dispute to hopefully have it removed. I received their response to that dispute, dated XX/XX/XXXX, in the mail. It clearly states the account was discharged during my bankruptcy. And it also clearly states that they are correctly reporting my delinquency and will continue to do so. I called again and spoke to a supervisor, and then to her supervisor. Both stated they could see it was discharged in my bankruptcy and both stated they could only resubmit a dispute to the same department that already refused to fix the mistake. And that their response would probably remain the same. I informed them it is a violation of my rights to continue to report me as delinquent but they said their policy is that they can only resubmit a dispute and were not capable of actually fixing their mistake.

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