vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-12 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: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX has my old account listed as " Check Fraud '' with Early Warning Systems ( EWS ) '' preventing me from doing anything of importance with financial instuitutions. I contacted XXXX XXXX XXXX, XX/XX/XXXX, where I spoke to fraud, atm fraud, account closures and other departments to get the information I needed to prove my case. 

After several blind transfers, 4 hang-ups and the rudest supervisor I had ever spoke to with a condescending tone and very nasty attitude towards the situation, I was not able to get anywhere. I disputed the information with EWS in which they were able to prove something I was not, and I am involved. 

I stated that in XXXX, when my account was negatively impacted, XXXX advised me to get a police report for the incident, but at the time, the police station stated that in order for me to file a report, I needed " evidence '' of what happened and something showing who was actually involved. XXXX  had this information but refused to release anythign to me. So, at that time, I said " forget it ''. XXXX was to do a " PROPER '' investigation in which they would have seen I was not responsible for anything negative regarding the account. XXXX failed this investigation and just labled me as the " accused '' because it was " easier '' but not factual. 

The account actually closed because there was an " electronic '' deposit that wasn't real. I had no way of doing this. How can I, a non-hacker without any hacker access, be able to ELECTRONICALLY deposit money that was never there? I have never been able to do this, and if you look at my banking history, it shows the same. 

XXXX  is now know to be the worse bank for the general consumer. They have screwed a lot of people 's files because of their lackadaisical internal processes that only helps the bank or their top dollar consumers. 

This just isn't fair, and I need advocacy. I'm starting here after failed attempts with XXXX  and EWS. Then, I am writing the attorney general, and last, I will use my own attorney for a civil dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I use an app called XXXX to help save money. It automatically pulls small amounts from my bank account but my bank- PNC has started a new program/ security role that doesnt allow second party apps to connect to your account. I understand its a security issue but this app is fully secured and it is a paid app to ensure security and promise of funds. I need my account to be connected again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I went to their ATM and deposited {$570.00} cash the machine only gave me credit for {$200.00}. I called wellsfargo and I was instructed that its not their problem and theyll get me my money back when they resolve the issue. I deposited cash the machine recognized it was cash and delayed my availability. Ive spent a total of 2 hours on the phone this morning because their customer service team keeps disconnecting or losing my call. I have perfect 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 2020-07-12 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: FL

Complaint narrative:
On XX/XX/2019 an unauthorized credit inquiry was made to Trans Union by XXXX, XXXX, TX, XXXX phone 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 2020-07-12 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: Block, Inc.
State: NC

Complaint narrative:
Im using cash app which is run by square inc . The account was locked because of a transfer to myself an account to account transaction. Its been locked since XX/XX/XXXX I believe I completed every step required all for no reply. The support means of contact was placed to make sure you dont get any help. Its a pandemic my moneys needed for rent, medicine as my XXXXyr old has XXXX and this is all my money in this account. Please help they are not replying and its almost like a major scam check the XXXX  website and did a complaint there. Apparently this is a tactic they use Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: MI

Complaint narrative:
My mortgage was purchase by PRMG from another company. My XXXX. payment was cashed by the original mortgage company. PRMG keeps saving I am late on my payments even after I have called, emailed and U.S mail all the cashed checks proving that I have paid every month. It has been going on since XX/XX/2020 and I can not get them to correct it in their system. They keep saying I owe them money even after I have provided proof. They have given me late fees and reported it to the credit agencies. If they are treating someone who pays every month like this, I can only image how they are treating customers who are struggling financially in our current climate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019, an inquiry was made by Capitol One and XXXX XXXX Dealer S that i did not authorize or recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, an inquiry was made by XXXX XXXX and Wells Fargo Dealer S that i did not authorize or recognize.

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 2020-07-12 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: Continental Finance Company, LLC
State: NC

Complaint narrative:
I received a copy f my credit report where XXXX Continental Bank continues to report and account past due however they agreed to a settlement with me and I have paid the account as we agreed however they continue to report the account as past due with a balance over {$600.00} dollars ... .I have send a copy of the settlement agreement to the credit bureau but each month continental reports the account as outstanding again This is a factual dispute as each credit bureau is reporting a different open date, date of last activity and payment history per the FCRA information should be Reporting the same on all bureaus Attached letter from Continental Bank / XXXX XXXX XXXX for ID

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 2020-07-12 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: Auto Buyers Credit LLC
State: FL

Complaint narrative:
Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX & XXXX XX/XX/XXXX about inaccurate information on my credit report. 

The following account is outdatedABC AUTO INC {$4300.00} date of last payment XX/XX/XXXX The following account is inaccurateXXXX XXXX XXXX  {$250.00} The following account is inaccurateXXXX XXXX XXXX  {$430.00}

Company response to consumer: Untimely response
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Northwood Asset Management Group
State: MI

Complaint narrative:
Northwood Asset Management requested I pay the debt of {$1000.00}. I had bad cell reception so the call dropped and I had to call them back. The collector was confused and said if I call her office again she wall call the police. I apologized and explained the cell phone reception is bad. She then threatened to take my wages if I did not set up a payment plan. Since starting the payment plan in XXXX I have paid this account off and requested payment history summary. I was told this is only documentation proving the account has been paid I was allowed to have. I received the document stating I had made the payments to a collection account managed by XXXX XXXX XXXX. Now I still have a debt collection account for the same emergency visit on my credit report stating I owe this to XXXX XXXX XXXX. How can I owe for the same emergency visit to three different debt collection agencies? I have already paid this account in full by XX/XX/XXXX. I don't know who I paid this to, if this was a scam, or why someone is still asking me to pay again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/2019 using XXXX I booked round-trip flight from XXXX, MA to XXXX, XXXX requesting specific dates of departure and return as well as FLIGHT INTERRUPTION INSURANCE ; told to request FLIGHT INTERRUPTION INSURANCE after the booking ; I provided my DISCOVER card for payment. BUT after booking I was informed that I could not obtain FLIGHT INTERRUPTION INSURANCE through XXXX. I immediately INSTRUCTED CANCELLATION of the flight HOWEVER XXXX TOLD ME TO CALL BACK TO CANCEL alleging need to connect to another department. I stayed on-hold for some 30 minutes with no one picking up the phone after the initial brief message to " hold & someone will be right with you. '' I therefore emailed a cancellation receiving a reply acknowledging the cancellation some 6 or more hours later. With that I considered the mtter ended. On oXX/XX/2019 I wrote to DISCOVER attaching cancellation confirmation from XXXX I However on XX/XX/2019 I receive a DISCOVER email claiming a XXXX charge of {$75.00} without stating what it was for or why. For which reason after challenging via tel-con I ordered the cancellation of my DISCOVER card and payed all amounts save for the fraudulent {$75.00}. Since then DISCOVER has acted on the threat to destroy my credi standing seeking to coerce payment of the fraudulent charge and has made it near impossible for me to ESCALATE the dispute or to provide address for that purpose and so-called customer support refuses explanation other than " vendor claims '' or words to that effect. Bouncing as " UNDELIVERABLE '' emails with documents attached. 

As I am some XXXX miles from the US and the XXXX Virus caused XXXX XXXX to cancel my XX/XX/XXXX return flight I have been further delayed in being able to act on this fraud perpetrated by XXXX wit the aid & wilfull assistance of DISCOVER. It has not helped that I am XXXX years old with XXXX XXXX  and unreliable Internet service. Return currently rebooked for XXXX XXXX with no garantees that it may not again be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and have had a chase slate visa credit card that I have used for approximately 15 years. It has been central to my making large purchases over the years specifically for my property repairs which in XXXX were significant and also in XX/XX/XXXX. I did not have a need to use the card through the XXXX holidays. I try to pay my balance off each month and have had no lates as far as i can remember. 
When COVID showed up here in XXXX XXXX County in early XXXX I took steps to protect myself as a highy at risk of death should i contract COVID. I have sheltered in place since. During this time the government issued a pause or forebarence stave off negative actions by banks, landlords, and other credit lenders. 
I recently attempted to use my card XX/XX/XXXX and it did not work. I immediately called chase and they said the card had not been used and was closed. I appealed to chase management noting the pause and governmentstay at home but that did nothing. 
I felt that i was being targeted because I was older and may be a poorer risk. Why would they do this during a shelter in place especially in a Covid hotspot XXXX XXXX County! I can not get out of my house and I certainly do not want to run up debt. They offer people who can not pay their bills all kinds of help during the pandemic but retaliate against older people who have excellent credit and money management. One would think that the same credit pause issued by the government would apply to those with good credit. Chase is targeting the elderly during a pandemic crisis. This card had a high credit limit which insures I protect my property in case large repairs are needed or other urgent needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a copy f my credit report where XXXX XXXX XXXX   continues to report and account past due however they agreed to a settlement with me and I have paid the account as we agreed however they continue to report the account as past due with a balance over {$600.00} dollars ... .I have send a copy of the settlement agreement to the credit bureau but each month continental reports the account as outstanding again This is a factual dispute as each credit bureau is reporting a different open date, date of last activity and payment history per the FCRA information should be Reporting the same on all bureaus Attached letter from XXXX XXXX / XXXX XXXX XXXX for ID

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 2020-07-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a copy f my credit report where XXXX XXXX XXXX   continues to report and account past due however they agreed to a settlement with me and I have paid the account as we agreed however they continue to report the account as past due with a balance over {$600.00} dollars ... .I have send a copy of the settlement agreement to the credit bureau but each month continental reports the account as outstanding again This is a factual dispute as each credit bureau is reporting a different open date, date of last activity and payment history per the FCRA information should be Reporting the same on all bureaus Attached letter from XXXX XXXX / XXXX XXXX XXXX  for ID

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 2020-07-12 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: GA

Complaint narrative:
I reached out to Experian and the companies listed in this complaint back in XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that Experian and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. 

ACCOUNTS : Account Name : XXXX, XXXX Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX Inquiries : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/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 2020-07-12 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: CA

Complaint narrative:
My credit card was fraudulently charged by XXXX via XXXX on XX/XX/20 for {$210.00}. I can not connect with XXXX to file a fraud claim since I don't have a XXXX account. I disputed with my bank - Chase, however Chase said a tracking number indicated something was delivered to my address. I or anyone I know never placed any order with XXXX nor did I receive anything from the company. I requested Chase provide detail order info regarding the fraud charge and supervisor call back. However I simply got a letter indicating that the charge was valid without any order info. I tried to call the number on Chases letter to reach the fraud department however the phone line is not taking any calls. 

This is not acceptable even due to shortage of staff during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I was behind on my payments and went on line for help. They said I had to write to them for payment help due to hours cut from COVID19.  I wrote on XX/XX/XXXXand made one payment. I told them about the rules from the Arizona Attorney General which advised all vehicle loan financiers to waive payments for 90 days and extend to put on the end of the contract with no additional interest, due to financial problems from the Coronavirus shutdowns in Arizona. 

They did not respond to me But repossessed car in XX/XX/XXXX without any notifications. I made numerous calls and spoke to many people trying to get my car released. I spoke to manager of reinstatements, customer care department. I send documents to them which they said they would send to the legal department. They set up a case and promised they would have it reviewed by legal, but never did. they also set up a customer care case and promised a response in 3 days and never got back to me, case # XXXX, all on XX/XX/XXXX and as of today, XX/XX/XXXX, not a word back from them.

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 2020-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CO

Complaint narrative:
Pnc is no longer allowing me to deposit roundups into my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CarMax, Inc.
State: DC

Complaint narrative:
I am not happy that Carmax financial wont info to the credit bureaus. They has ripoff and hiding from me. My payment still make {$180.00} every monthly and current balance is & XXXX now. I find my credit reports balance is {$4600.00} in XXXX because its not matching on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reached out to XXXX and the companies listed in this complaint back in XX/XX/XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that Experian and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. 

ACCOUNTS : Account Name : XXXX, XXXX Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX {$3400.00} XX/XX/XXXX Account Name : CAPITAL ONE BANK USA N XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX Inquiries : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX

Company response to consumer: Closed with explanation