vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I snet transunion a dispute letter in XX/XX/XXXX concerning two accounts -- -I have attached that letter. 
I didn't receive their response. 

So, in XX/XX/XXXX I sent them a letter asking for their response to the re-investigation -- -I have attached that letter. 
I did not hear from them. 

i have called their customer care number, XXXX many times only to be put on hold for a very long time.

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 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I open my account with XXXX XXXX XXXX  back in XX/XX/XXXX-XX/XX/XXXX, in XX/XX/XXXX I tried to use my ATM card and I was notified that my transaction was declined, I went to XXXX XXXX XXXX  and they told me there is garnishment for some apartment company that has garnished my account and my account has been froze, I asked to provide me with the information of the company who garnished it, they told me that they will sent me those information to me when they get it from corporate office, as of today XX/XX/XXXX I still have not received any information regarding this, since then XXXX XXXX was purchased by Capital One Bank and I have gone to XXXX XXXX branch 2 times to close this account and I have been unsuccessful and last time I was in that bank they gave me number for the company that supposedly garnished my account and that number did not work. for years I have been receiving my statement showing they are charging my account monthly service charge fees and i am not able to get my money from XXXX till now to be withdraw, i received letter back in XX/XX/XXXX stating I have not used my account in last 3 years and either go to office withdraw or sign and sent attached documents which I did both and again they run me around, since that letter I have been getting my statements and most recent statement is from XX/XX/XXXX till XX/XX/XXXX still showing service charge fee and my money continue being reduced since year XXXX and now shows that i have {$830.00}. 
it has been over 20 years, this bank has been taking money from my account, no documents has been provided to me regarding garnishment from year XXXX for any apartment leasing, i have owned my properties and paying mortgage since XXXX and current home that i reside is since XXXX, since XXXX I have bought 4 homes and never been any issue with getting loan ad any one of the telling me that there is garnishment against me. I am not sure why this bank continue lying and deceiving me but I need my money return from year XXXX with all interest that I earned from that time. 
I have attached all the documents that could find uploaded in this email

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: CO

Complaint narrative:
I previously filed a complaint on this matter and the company, MRS BPO , LLC, agreed to withdraw further collection attempts on the incorrect billing. To my surprise, we received a new collection letter on this yesterday ( XX/XX/20 ) from MRS BPO , LLC in spite of the fact that they had agreed to cease collection attempts. This is a breach of their agreement and promise made in response to my original complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
Patient Account Bureau aka Hollis Cobb associates. 
The hospital sent my bill to this collector. I had set up a payment agreement with a third party. PAB took a payment of {$170.00} from my checking account ( which was agreed to prior to third party payment agreement ). 
I have tried unsuccessfully to have the {$170.00} refunded to me. Representatives of PAB agreed I was entitled to the refund and submitted a request of the refund 6 weeks ago. 
I have not received the refund and I am unable to speak to anyone at PAB that can assist me. A representative places me on hold to wait to speak to the person handling my account that is never able to speak to me. They take my name and phone number to call me back and I never receive a call back. 
Please help me in resolving this seemingly simple issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
LETTER TO THE FEDERAL TRADE COMMISSION Re : CAPITAL ONE CREDIT CARDS ( 2 ) PLATIMUM CREDIT XXXX XXXX XXXX On XX/XX/2020, I filed a Bankruptcy ; however, I elected not to go through with it and it was dismissed. At that time unbeknownst to me, Capital One put a stop on my cards. There was an automatic payment set up with XXXX XXXX on my son 's car which should have gone through and been paid in XXXX. I knew nothing about Capital One 's cancellation of use of these two cards until I attempted to use one of the cards at XXXX  XXXX 's in Mid XXXX. I immediately went on line and could not pay my bill and upon calling Capital One, I was told that my cards were in stop status due to the bankruptcy. I advised them that the bankruptcy was a mistake and had been dismissed. In spite of my pleas with numerous calls to Capital One and writing to Capital One 's bankruptcy department, I received NO response. Capital was the ONLY company out of 4 credit cards that I own that did this. I had always paid all of my credit cards on time or early. Because Capital One gave NO NOTICE THAT THEY WERE PUTTING MY CARDS ON HOLD, the automatic payment to XXXX XXXX was not paid. On XX/XX/XXXX, my son was involved in an accident. Now, he was notified that his insurance was not paid. Both he and I were unaware of this because Capital One failed to notify me of what they had done. AGAIN, CAPITAL ONE IS THE ONLY COMPANY OF MY 5 CREDIT CARD COMPANIES WHO PUT THIS STOP ON MY CARDS. Because my son was involved in an accident without insurance, he will be required to get a restricted license for one year. My son has always had an excellent driving record until this problem occurred. ALL OF THIS GOES BACK TO THE POOR HANDLING AND THE LACK OF NOTIFICATION BY CAPITAL ONE REGARDING STOPPING THE USE OF MY CAPITAL ONE CREDIT CARDS. CAPITAL ONE SHOULD BE RESPONSIBLE TO PUT IN WRITING THAT THEY FAILED TO NOTIFY ME OF THEIR ACTION THUS CAUSING THE PROBLEM IN PAYMENT TO XXXX XXXX THIS SHOULD BE SUBMITTED TO THE XXXX XXXX XXXX, ATTN. Mr. XXXX XXXX, Claim # XXXX Phone # XXXX. Email : XXXX THEY SHOULD ALSO BE RESPONSIBLE TO NOTIFY THE DMV OF THEIR MISTAKE AND ASSIST MY SON IN MAINTAINING HIS DRIVERS LICENSE RATHER THAN HAVING TO DRIVE ON A RESTRICTED LICENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Two charges appeared on my Chase credit card which I did not make. I dispute them. The dates of transactions were on or about XX/XX/2020 in amount of {$110.00} and then on XX/XX/2020 in amount of {$420.00}. Credit card company failed to investigate and claims I received the benefit. I have no idea what they are talking about because I did not make these charges. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I received my first bill from Chase in XX/XX/XXXX and I didn't recognize the charges. I called them and filed a dispute. I went through the process of disputing the charges and was denied. I explained that I had not even opened this card myself and that I was going through a divorce and I believed my ex opened the card and made the purchase. I learned a few weeks later that my ex opened 5 credit cards under my name. I had to call each credit card company and cancel them and filed a dispute. ONLY CHASE gave me a hard time. Every other credit card company filed a fraud case and cancelled the cared. However, CHASE kept sending me a bill plus late charges. For each month for an entire year and a half, I called Chase to dispute the bill and would go through the same process of filing the dispute. Each month when I called, the customer service rep would be very apologetic and assured me that the dispute would be respected and that this case would be closed. But, I continued to receive a new bill with new late charges and no explanation of what the initial bill was for. The initial bill was {$85.00}. Each month, the bill accumulated late charges -- and now today the bill exceeds {$400.00}. I kept calling each month asking Chase to break down the bill for me and tell me what the initial purchase was and how it got to this amount. I kept getting told that a manager would have to call me because even the customer service representative couldn't figure out the bill. Today is XX/XX/XXXX and I have yet to receive a call or explanation -- it's been over a year and a half. I am not responsible for the initial purchase nor this massive bill that has accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: CA

Complaint narrative:
The company Portfolio Recovery Associates LLC, XXXX XXXX XXXX XXXX Virginia has employees that claim to have my social security number on file and threatened to use it against me ( " XXXX XXXX '' x XXXX ). When I asked them to remove my personal information from their database they refused even though the data is over 7 years old and incorrect!!! The Operations Manager named " XXXX XXXX '' x XXXX boldly refused to comply with the law and delete what they claim to be is my personal information from 10 years ago! XXXX said, " We only have your basic information like social and birthday ''!!!!!. Then when I asked again just to make sure : Are you saying you have 10-year-old personal information on me and you will NOT delete it? He said, " Correct. We will not delete it from our records because you still owe us money ''. XXXX then had the audacity to complain that I had not sent PRA a " fraud packet '' with a copy of my drivers license and other very personal information! Account numbers # XXXX and # XXXX need to be deleted from their data bass and they need to stop harassing me and damaging my credit score. They are stopping me from being able to have a home during the CORONA VIRUS!!!!!! This is a TRUE scam!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
I requested a 6 month forbearance for my government backed FHA loan in compliance with the federal CARE act. My loan servicer, Dovenmuehle Mortgage, refused to comply with federal law. They will only offer 3 months, and at the end of those 3 months will require a lump sum payment. They refuse to restructure the loan in anyway to assist with the lump sum. 

I requested 5+ weeks ago to relocate for my job. I have called multiple times and they state there is no one in the Research Department that will take phone calls to update me. I have asked for permission to relocate because I am required to do so since this is an FHA loan with occupancy requirements. I have updated them weeks ago that this is now more urgent due to Corona virus and losing my full time job. They refuse to answer me. 

I got a notice that due to my forbearance, they will be requested a new appraisal of my property as part of Loss Mitigation and I will be responsible for this appraisal. I did not agree to this nor is it necessary, since they have agreed to at least 3 months forbearence and payment was only just due for 1 month as of today. 

I have spoken to HUD, and they have agreed my mortgage servicer is in violation of FHA and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/2020, PNC Bank withdrew {$3400.00} from my checking account for an on line banking transaction to pay XXXX XXXX XXXX XXXX for my Credit Card bill. PNC sent the payment, a check, to in the incorrect address and XXXX XXXX, not XXXX XXXX XXXX XXXX, cashed the check. I called XXXX XXXX XXXX XXXX after I received an email from them stating that they had not received my Credit Card payment. I had to transfer {$3400.00} from my XXXX Savings Account to pay the bill. 
I then called PNC and they stated that there was nothing they could do and I had to submit a fraud complaint and they would investigate. 
I had to submit a complaint after I had it notorized and then called PNC a week later. 
PNC informed me that it could take up to 120 days to resolve this issue. 
PNC sent the payment to the incorrect address and I have to wait up to 5 months to get my money back? This is total XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: HI

Complaint narrative:
I call Transunion to dispute a Bk showing on my credit report and I request Mov

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 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Less than two weeks ago usaa opened a closed account after a direct deposit was mistakenly sent there and they took my money that never should've been owed but thats irrelevant atthis point. Usaa then closed this same account t and mailed a check. They did all of this without my consent or authorization. But now my much needed stimulus check was sent back and they refused to open this same account even though they had just done this very same thing less than 2 weeks ago. Now I'm going to have to wait even longer for my stimulus due to usaa 's extremely selfish unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2020, I attempted to make a purchase with my TD Bank debit card but the transaction declined. When I logged into my TD Bank online banking I realized my two bank accounts ending in XXXX and XXXX did not appear or exist and my money was missing although I had over {$1000.00} in my account ending in XXXX. I immediately contacted TD Bank and the supervisor stated that my accounts were being closed although I was unaware and not notified and she also stated that she does not know why my money and bank accounts disappeared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
XX/XX/2020 I attempted to purchase something from XXXX XXXX via the mobile app and checked out using XXXX XXXX. When I authorized the payment I was presented with an error that the purchase failed and IMMEDIATELY got a notification that the {$350.00} was debited from my cashapp account. There is no order, there is no history of an order, no email confirmation, and XXXX XXXX has no record of the purchase. But I am missing my money. I called multiple XXXX XXXX representatives and none of them could help me and I was told to dispute it with my bank. Cash App has atrocious customer service and refuses dispute the charge. They pointed me back to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
In XX/XX/XXXX purchased furniture from Ashley Furniture on a Synchrony Bank credit card. I paid the first week of the month for the first year. XX/XX/XXXX/XX/XX/XXXX I discovered Synchrony had been charging me late charges every month for the first year. I got NO notifications for a year. I changed the payment date. The mistake was made at Ashley Furniture by the sales person who obviously wrote the incorrect payment date on the contract. Synchrony has refused to work with me on this. 

I have offered to pay off the amount I owed minus the late charges. The total I should pay for the whole transaction plus interest is approx {$2600.00}. At this point I have paid approx {$1300.00} in payments. They are asking me to pay all late charges on top of the normal charges. If I pay this card off today I will be required to pay {$2200.00} for a total of approx {$3900.00}. Basically they are overcharging me {$1300.00}. 

They have brought my credit score down a significant amount. Their customer service people have been rude and refused to help. When I call I get a different person that is obviously reading from the same script as the last CSR. Synchrony claims they are investigating 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 monetary relief
Consumer complaint received 2020-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I discovered TransUnion was charging me $ XXXX/mo for credit monitoring. I have never received a statement or receipt for these charges, they just showed up on my credit card statement. When I try to log into the account to cancel, I am unable to access log in. When I call to try to get someone to help, I can not get a person on the phone. When I tried to get help via email, they told me to send my social security number over an unsecured email line, which I do not feel comfortable doing. There is no live person help, you can only send them an email, which they ask for sensitive personal information that should not be given over email. 
I was charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$24.00} each time. 
I would like for someone from Transunion to call me to cancel this service.

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 2020-04-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts still appear on my credit report that are part of my identity theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: CA

Complaint narrative:
These accounts still appear on my credit report that are part of my identity theft case.

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 2020-04-15 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: CA

Complaint narrative:
These accounts still appear on my credit report that are part of my identity theft case.

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