vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX or XXXX, 2020, a " Hard Inquiry '' was made on my credit to XXXX  by Capital One Bank. I did not authorize any such request. I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). - I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact Capital One ( and had no luck getting any real answers or help/guidance ) - I have contacted XXXX, but have no luck getting any real answers or help/guidance ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a XXXX year old XXXXXXXX XXXX student who is a victim of scam. I am a XXXX XXXX and I discussed via phone a business transaction involving performance and or ownership rights to some of my XXXX that I was willing to sell. We agreed on a price and the transaction/deposit was completed. I informed him that I would wait for the monies to be received and get clearance from the bank to legitimize the check before I would give authorization to my XXXX. The check was immediately placed on a hold and I never had access to the funds and I had no knowledge of the check being counterfeit nor would I know what one would look like. I assumed that if there was an issue with the check, the bank would notify and or assist me, but nothing was said or done until it was too late. I acted on good faith, being young and naive, and suffered great consequences. A few days later I noticed that the check never posted to my account and was in fact charged back/returned to the sender and shortly after, my Bank of America account was locked. I called the bank to inform them what was taking place and I received no help or resolution regarding the matter by various representatives. My account was then closed and I have been treated as if I were not a customer, or victim in the matter. I was completely oblivious to what was ensuing and I would never partake in any fraudulent and distasteful acts such as this. I have not been treated fairly nor assisted in any helpful manner by Bank of America. This is my last resort option to try and remove this heinous crime affiliated act from my consumer/credit report accounts. I pray that this be of some help to me to resolve this matter so I can carry on with my life. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX XX/XX/2020 Re : The Money Source Legal Amoral Refinancing by Animalistic Criminals XXXX XXXX XXXX XXXX, NY XXXX Dear Madam/Sir, As a former homeless, but XXXX  % XXXX Veteran ( homeless  for 38 years ), and an unreported survivor of the XXXX XXXX, I never thought that the mortgage finance company that we were appointed ( rate 4.125 % ) would conduct business in such a animalistic and pernicious manner -- -making my paranoia speak vociferously within me ; shouting that the very same people I must trust with my mortgage concerns are simultaneously setting up their systemic discriminating snares to overcharge us and/or try to make me homeless  again. 
First, in the early portion of XX/XX/2020, my wife and I called The Money Source and paid our monthly mortgage payment in advance, because we needed to change our bank ( from XXXX to XXXX XXXX XXXX ). However, the inadequate business practices of The Money Source neglected to fulfill their responsibilities, which resulted in complications for us with our banking institution. Secondly, all the information communicated from The Money Source to us, during this pandemic have been continuously misleading, malicious and in a mendacious manner. 
Thirdly, after addressing The Money Source, with the CARES ACT, we were disregarded, disrespected and rejected, as well as them forcing their created documentation and fees on us. 
Nevertheless, we were told we did not have to pay mortgage until XX/XX/2020 by one of their phone receptionist, posted various balances on the website they have for us ( quite confusing ), no record of recorded phone calls, and poor representation in the likes of a XXXX ( so-called manager ), XXXX, and other members of their staff. The Money Sources insidious machinations of systemic discriminating have affected our budgeted fixed income, unwarranted stress, as well as, and especially placing obstaclespreventing us from the VA Interest Rate Reduction Refinance Loan. 
Please help...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I backed XXXX company on XXXX for the amount of {$320.00} for an automated litterbox. They promised delivery to occur XX/XX/XXXX, but it's been well over a year now. The sellers have not responded to buyers or XXXX  and this is starting to look like a scam. They also haven't provided any useful updates. The last update, they said they re-sold our products to others to recoup some loss, but haven't provided buyers any timelines or if they will be able to deliver the product. I filed with my credit card company earlier this year and they denied my requests twice. I was scammed. I haven't received a product and the sellers violated XXXX 's terms and conditions. It's clearly a scam and my credit card company won't push through with a charge-back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I was hospitalized XX/XX/2019... I could not pay my installments to Barclays Bank on a personal loan. Once I was ok I started making payments to catch up.. {$100.00}, {$100.00}, {$200.00}.. then a {$2000.00} payment. They sent me a receipt for the {$2000.00} payment but no balance on the loan due. I asked for a payment history and was denied. I asked about the payments made prior to {$2000.00} payment and they refused to discuss where they were other I did not make payments? I continued to request payment history and they refused.. I have requested copies of the cancelled check from my bank! Why can't I have access to my payment history! Finally they suggested I hire a lawyer?

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 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Willful non-compliance as per FDCPA 807. False or misleading representations 15 UCS 1962e. I wrote my first letter On XX/XX/2020, Second letter on XX/XX/2020, Third letter on XX/XX/2020, to Midland Funding LLC/ XXXX XXXX XXXX XXXX XXXX XXXX ( Attorney for Midland Funding LLC ) to request validation of debts they claim I owe. $ XXXX $ XXXX {$3000.00} of which they are reporting to the credit bureaus ; I formally disputed their claims. I not only disputed their claims but requested my signature as validation of said debt within 30 days of receiving my requests. They failed to provide me with validation, but they did respond to me with a default judgement for alleged account {$1000.00}, and a motion to set aside/vacate the default judgement has been filed and a court date set. And continue to report as of today XX/XX/2020 which has been detrimental to my credit score for debt they unable to validate as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon Review my credit files, it showed a false account from XXXX XXXX XXXX XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is a XXXX XXXX obligation that is reporting on my equifax credit report. This account is in violation of the FCRA for multiple inaccuracies. 1. open date is incorrect, 2. Date of last active is incorrect. 3 Date of last payment is incorrect, 4. Monthly payment is reflecting incorrect, ( ruining my debt to income ratio ) 5. The account is reporting like its a revolving account and shows 120 days late 19 times These are all direct violations of the FCRA for inaccuracies. But when disputed they come back as verified, they have ignored my request for method of verification. Also this account reports as though its an active revolving account but there was never an inquiry, nor ANY extension of credit. under section 604 of the FCRA this does not fall under permissible use. Lastly this matter is civil and NOT a breach of contract there for it should not even be on my credit file in the first place as it does not reflect my ability, stability and willingness to pay my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I tried to deposit a check at the ATM locates in my bank. The ATM took my check but did not complete transaction and did not give me my check back. I immediately addressed two ladies working at the branch, who told me I needed to go online and gave me web instructions. I also had the option to call. I have been online multiple times searching for how to get my money using their instructions and can not figure it out. I finally called and stayed on hold for one hour ten minutes before a person answered, who said give her a minute, put me back on hold for ten minutes and the automatic on hold went back to main menu and said they are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have tried to link my Pnc account with my XXXX account and Pnc has not allowed that to happen & Ive tried for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX or XXXX, 2020, a " Hard Inquiry '' was made on my credit to XXXX by JPMCB Card Service. I did not authorize any such request. I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). - I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact JPMCB Card Service ( and had no luck getting any real answers or help/guidance ) - I have contacted XXXX, but have no luck getting any real answers or help/guidance ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I applied for Unemployment with the state of Oklahoma beginning XXXX and got it. Money is sitting in Way2Go card run by Conduent but their customer service wont answer. They have to email contact and headquarters told me Friday the XXXX to contact local agency. After 3.5 hours I got " XXXX '' on the phone from number XXXX and got reference number XXXX for " Team 2 '' to contact me to update my address the same day. They never called. I have been on hold with this number and XXXX for over 5 hours this  weekend. I never received my card because they have the wrong apartment number, My address is XXXX XXXX I XXXX XXXX XXXX, XXXX  XXXX ( NOT XXXX XXXX ), XXXX, OK XXXX. My name is XXXX XXXX. I will be our of groceries any day if I can't access my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been more then 30 days and i haven`t received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Recently, I tried to open a checking and saving account at XXXX XXXX XXXX after refinancing my car loan with them. 

And my account representative, XXXX XXXX was able to open a saving account for me. But, she could not open a checking account for me, because another bank reported me to the Chex Systems credit union. 

The Problem is with a previous account that i had with XXXX XXXX XXXX XXXX 

The Bank reported that i did account abuse. 

I think that it is inaccurate. As far as i remember, I had some overdraft charges on their checking account that i opened. And i disputed some of the charges with them. 

There were too many overdraft charges, and i asked the bank to close my account. 

When i was closing the account, there was an overdraft charge on my account that was supposed to be waived by the bank. Because i spoke with customer service and resolved the problem. 

I can not remember the full account number. The account ends with XXXX with routing number XXXX I try to avoid overdraft charges. 

And i have two other checking accounts with XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I notified Paypal of an authorized charge on XX/XX/2020 of {$1900.00}. I contacted Paypal, notified them immediately, also blocked all Paypal charges from my financial institution immediately. 
They did not block the payment and now saying I owe them {$1900.00}. 
No way to login as they locked my account and only way to message is by logging in. I tried calling and emailing numerous and no replies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 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: VA

Complaint narrative:
It will not allow me to link another account and transfer funds and I really need to please fix this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been more then 30 days and i haven`t received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have Bill Pay set up with my checking account. 

On XX/XX/XXXX I scheduled a BILL PAY for {$1200.00} and ACCIDENTALLY selected Kohl 's. The payment was successfully transmitted to Kohl 's on XX/XX/XXXX. But my account was closed in XXXX! 
Action steps taken : 1. Called my bank. They could not do anything since the transaction was successfully delivered 2 weeks earlier. 
2. Called Kohl 's Customer Service on XX/XX/XXXX and they said that they can not retrieve the account # ( it was closed ) and could not help. Was told to write an email. 
3. Emailed customer support on XX/XX/XXXX and explained the situation only to receive an email back who referred me to call XXXX. 
4. Called Kohl 's Corporate main # XXXX but the phone system is not manned ; you usually get a message that says " your session can't be completed at this time ''! Even when you try to get to the CEO 's office by name. 
4. Sent email to Finance head at Kohl 's Corporate ; no response back. 
5. Called the XXXX # on XX/XX/XXXX @ XXXX XXXX  ET and spoke to representative. Again, they informed that they were unable to access a closed account. Suggested we dispute this with the bank. 
The money is somewhere at Kohl 's but neither Customer Service or Kohl 's Corporate is willing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have a us bank reliacard  which I recieve my child support on. My card is being declined over and over and i have spent several hours a day between XX/XX/XXXX and now on hold with customer service. Each time after hours of waiting the call is disconnected. I have been unable to log into my online account and after trying several times to get in I gave up. The customer service had sent me several links over a year ago that were supposed to help me set a new password but that was unsuccessful. I have {$210.00} on my card that I can not access and need. 
I also tried calling and going to My local US bank but they told me they cant do anything and to call reliacard customer 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 2020-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Supreme Lending
State: TX

Complaint narrative:
I contacted the lender upon receiving a notice In The mail stating that. I was in debt to my escrow account by the amount of {$3200.00} as stated by the representative. Now as of XX/XX/2020 I have another letter sent out stating my new payment will be {$2000.00} vs the {$940.00} I initially signed and agreed for. I am extremely confused and concerned and have found no help or results by contacting the lender, not to mention the agent XXXX XXXX whom informed me with false information and claims during the entire process of purchase.XXXX mislead me and lied to me over many occasions and betrayed my trust as I deemed him as a professional in which in fact he was not!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
On my credit report it shows that in the month of XX/XX/XXXX, that I had a late payment which is inaccurate. Also on my credit report under that same closed auto loan it states that the account has never been late. I also had issues with leasing another vehicle with Ford. I attempted to renew my lease in XX/XX/XXXX due to being over my miles, and was told I would be able to do so without any issues. I continued to get the run around about when my new vehicle would be ready and constantly called them. I was never contacted back and due to unsatisfactory service, was forced to turn my leased vehicle in early. I am now working on the remaining balance but have never had a late payment while the account was opened through Ford.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
XX/XX/2019 XX/XX/2019 XX/XX/2019 these dates are fraudulent activity. im disputing these accounts with the intent to remove this

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have tried numerous times to gain access to the funds in my account with them, they keep saying to verify in branch during a pandemic which i am not going to risk my health to verify the account so when asked to close the account and mail the check to the address listed, i was told the account needs to have a XXXX balance. at this point this bank is effectively stealing XXXX dollars from me. if additional verification is needed for an account that is fine but don't take in money or open the account until the verification is completed. this is a very shady practice.

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