vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On or about XX/XX/2022 I entered PNC Bank at XXXX XXXX XXXX, XXXX, AL XXXX around 3 pm. Upon entry I approached the teller and made her aware I would like to open a account. The teller stated to have seat and someone would be there to assist. She blurted out it will be {$45.00} to open a account. Her name was XXXX. By the time I settled in a chair the same teller was approaching stating she would help. I informed her I would like to open up a trust account. She stated the manager could help with this. She left and went into a office room near me. When she returned she had a piece of paper related to account opening information and said the manager was gone. I asked for the paper and she stated she needed to make a copy. She returned with a copy and the managers card. It said XXXX XXXX. I waited for a few minutes a woman walked out of the office room to the teller. When the woman left the teller I called XXXX and she looked at me. PNC bank is clearly conducting discriminating against clients preventing access to the bank. I was angered, shocked and embarrassed. XXXX knew I was the person who inquired about the trust via the teller. And was shocked I called her name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
I called on XX/XX/2022 And asked for the balance of XXXX to be moved from my credit builder account to my checking account and was told that they would instead they closed my credit builder account and sent a check to a address that I was not living at for a year now I told them that I had no way of getting access to the address nor did I have access to the mobile app I told them my id was misplaced they then opened my credit builder account back up and have issued another check after telling me they were going to put the money immediately back in my credit builder this has been going on for 3 plus weeks and they keep telling me different stories everytime I call I told them that my car broke down and I was far away from home and I needed my money they are taunting my situation and I don't think it is funny I just want my money placed back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Website is always down when I go to make a payment, then get charged late fees because payment is late. Then I get harassed by them calling multiple times a day ( sometimes within hours of each other! ) when the payment is less than 5 days late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
On XX/XX/2022, I pulled my credit, and saw that ARS is reporting several accounts on my report. 
Account : XXXX, alleged debt : {$1000.00} Account : XXXX, alleged debt : {$310.00} Account : XXXX, alleged debt : {$1500.00} On XX/XX/2022, I sent ARS a letter requesting the below information : XXXX. Breakdown of fees including any medical charges and collection costs XXXX. A copy of my signature with the providers of service to release my medical information to you XXXX. Cease any credit bureau reporting until the alleged debt has been validated by me. 

I received a letter from ARS dated XX/XX/2022 without providing me the information I requested to validate these alleged debts. Per the HIPAA Collection Laws and FDCPA, the information that I have requested is not to their discretion and/or whatever they see fit, they are to comply, but they chose to violate my rights. So, on XX/XX/2022, I sent them another letter demanding a cease of the accounts and delete them off my credit reports immediately. 

However, I received another letter from them dated XX/XX/2022 completing ignoring my letter and sending me the same generic letter they previously sent that was dated XX/XX/2022. I was asking for validation, not verification. 

I am demanding that they cease collection and delete these accounts off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( accts XXXX & XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
So I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. 
According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also, according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank abruptly closed XXXX new checking accounts that I opened in XXXX. They blocked XXXX incoming deposits and then partially funded checks I wrote on the account and blocked others from going through. 

They blocked my on-line access and gave me no reason for the block. 

They blocked access to a credit card also issued by Chase and I have been unable to make payments. 

A payroll check was deposited, and I can not receive the funds from that payroll check. 

I do not see any justification for these actions. No transfer or other transaction was fraudulent and the lack of communication from the company is frustrating. 

This situation has existed for over XXXX  months and XXXX credit card payments have been missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Any balances owed are not owed by XXXX XXXX. Upon the return of my phone my number was sold. Then a year later Its stated that I owe a balance on an account that I made good a year prior. Who ever sprint immediately sold my number too acted as if they were me illegally.

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 2022-11-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed wrong addresses that I have not lived at and that are not mine with Experian but they refused to delete them, and put me at risk of Identity Fraud. Per the XXXX XXXX XXXX XXXX, this innacurate information is damaging my credit, my name, and my reputation. 

My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX. 

So remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17 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: UT

Complaint narrative:
I have not opened a XXXX XXXX account with XXXX and when charges were fraudulently charged to when they claim is my account, I promptly contacted them on multiple accusation both online, webform and via phone. I was sent a letter from XXXX dated XXXX XX/XX/2022 determining I am not responsible for the charges. 

XXXX even sent me check for fees charged as a result of the error they made. XXXX is now is ending statements adding late fees, all sorts of bogus fees and inappropriately and incorrectly reporting inaccurate and false information the XXXX credit reporting agencies. They continue to send me letters stating that a review of my supposed account needs to be checked and when I do call they claim it will be taken cared of, yet they continue to falsely report the balance to the reporting agencies. I have and can provide copies of these letters. 

This isn't the first time XXXX has engaged in this same activity attempting to scam customers into paying false and inaccurate amount, as I have them to the CFPB and XXXX. I have spoken with legal representative and will files a lawsuit against XXXX if they do not swiftly correct their intentional mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 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: NH

Complaint narrative:
Ordered product on internet. Used my Capital One Quick Silver card. XXXX soak for my wife. Consulted wifes physician and was told not to use it. Canceled order within 3 day of ordering. Order arrived after at least a week and when I went to post office, I had postmaster return to sender on XXXX @ XXXX and kept tracking receipt. Received statement from Capital One included returned product for $ XXXXCapital One issued credit then recharged it to me saying I had to prove I returned product. Postmaster traced tracking slip and showed all tracking including that it was sitting in the merchants XXXX XXXX XXXX XXXX XXXX even noted on print out that it is still in XXXX XXXX XXXX XXXX to XXXX weeks. It was sent back to the return address that was on the box it was shipped to me on it. In fact it was sent back unopened an in the same shipping box that came to me. Capital One refuses to refund the money and is nasty about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17 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: WA

Complaint narrative:
In XX/XX/XXXX we rented a place to stay in XXXX AZ via XXXX for XX/XX/XXXX. At that time we paid the full amount of {$3300.00}. On XX/XX/XXXX, XXXX notified us via email that the reservation was cancelled as the owner had sold the property. Per the rental cancellation agreement we were to receive XXXX  % reimbursement because the cancellation was before XX/XX/XXXX. However, no reimbursement showed up on my XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute with Capitol One. In several calls I spent hours on the phone with them. I also sent two letters of explanation and copies of relevant documents. I explained that the owner/host would not communicate with us, nor was XXXX. Now XXXX XXXX has told me via a letter of XX/XX/XXXX that since I did not file the dispute within 60 days, they will not give me a refund. It was 61 days after the cancellation but it took time for statements to reach me. Again, this is for a rental next XXXX! We will receive nothing for our money and this business model is most unfair to consumers. I would be happy to provide all the documents and or answer any questions. Lastly, I have no vision in my right eye and do not see all that well with my right. eye in some situations Thus, it can be challenging to follow light gray or small print. 
There is more to this case such as XXXX changed from XXXX XXXX  to XXXX XXXX to manage their credit cards. There was some non-related fraud on the XXXX XXXX  account which was successfully resolved but raised questions about this transaction. I tried to call instead of writing all of this down but could not get through. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Good afternoon. I am a XXXX XXXX XXXX XXXX XXXX  with a checking account through PNC bank. I am in my XXXX XXXX XXXX XXXX and working hard to achieve success. Im often studying or in class. I worked almost everyday this past summer to make over {$2000.00}. I have NEVER disputed any charge in the past nor have I ever been the victim of fraud. Additionally, Ive never lost my card or misplaced it and it is always with me. Additionally I have never shared my account info or log in info with anyone. I realized in XXXX that my account had been hacked and numerous fraudulent charges had been made. The majority of the charges were fraudulent. I contacted my bank immediately. I disputed every charge that was fraudulent and then later even went to the PNC branch on XXXX. I returned home today for the holiday break and received numerous notifications from PNC that my disputed transactions were denied and not returned. The PNC website currently notes that theres been an increase in fraud, however, they are unwilling to return my money. PNC targets XXXX XXXX and advertises how secure they are. 
Their lack of quick response and unwillingness to return my money is unacceptable. Many people have to work hard to make a little money and should not be taken advantage of by a large bank. As a result of their unwillingness to refund my money, I have lost approximately {$1000.00}. 
I appreciate any guidance you may provide. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Under the leadership of the Consumer Financial Protection Bureau ( CFPB ) s newest director, XXXX XXXX, the agency is trying to radically reshape the American financial services sector by breaking time-tested bipartisan norms and skirting the agencys legal authority.

By attempting to change rules without accountability, the CFPB is creating uncertainty that will harm consumers by causing financial companies to adjust the types of mortgages, car loans, and personal credit they can offer. 

XXXX M & T Security Attacked my Service Animal on XX/XX/2022, We are both Terminally Ill, also the bank constantly has people outside who use drugs and the building is covered in Graffiti/Or XXXX Related Public Statement Caused by Other Problems I am willing to resolve. 

However I ask that the bank operates only for vegetarians leading to vegans so better represent the XXXX XXXX. 

Please take more steps to eliminate hardships and recognize celebrities when they visit the premises.

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 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
After, receiving an invitation, and being eligible to apply for a NAVY FEDERAL personal checking account. On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a personal checking account on NAVY FEDERAL. I filled out the form online, and provided every document required. I was immediately approved for a new personal checking account. Throughout the year I enjoyed my personal checking account and remained in great relations with NAVY FEDERAL, but due to being a victim of identity theft and a part of XXXX, XXXX XXXX, and XXXX XXXX breach. My NAVY FEDERAL ACCOUNTS were hacked, and information was stolen and used for multiple fraudulent charges. NAVY FEDERAL was aware of the fraudulent charges and decided to issue me Provisionals credit for each transaction that was unauthorized. Moving forward I decided I could not bear the pain of Navy Federal mishandling my personal information, and by letting unauthorized charges continue to occur on my account. I was also told a fraudulent charge was authorized by me, due to a wet signature, as if any random person cant sign my John DOE. I was uncomfortable with continuing business with navy federal credit union. I beg and plead with navy federal to close the account, due to the fact my personal information was constantly getting hacked and used. A representative from NAVY FEDERAL pressured me into not closing the account she threatens me with saying I will not get approved for any future accounts by NAVY FEDERAL. As I took the representative advice once again my account was hacked, and NAVY FEDERAL failed to protect me as a consumer. Navy Federal finally agreed to close the checking account with a {$0.00} dollar balance. the company also agreed to issue out the original deposit for each transaction not approved. On XX/XX/2022 I received a threaten letter in which stated, I the consumer was a liar, and responsible for all charges, and ALL charges will be reversed. Navy Federal is running my credit reputation by reporting a balance of {$1100.00} dollars in which, is not owed. Navy Federal did not follow their agreement in protecting me as a consumer, while willing knowing Im not responsible for any fraudulent charges. NO consumer is responsible for fraudulent charges that is unauthorized by the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My father passed away and Ally has not picked up the vehicle. I spoke to XXXX ( not sure on spelling ) in XXXX they had not added the paperwork I had sent to the account so that decisions could be made I was assured that there were no fees added to deceased accounts when the vehicle is turned over and I would receive payout after it sold. I decided on doing that due to being in a different state which made it difficult to sell the rv. It is now XXXX I have had to pay insurance and storage fees every month and they have still not recovered the rv. I have spoken to multiple people as well as had a 3 way call with the storages owner. I received a message again from the storage owner saying that she received a call from someone to pick up on Friday but they do not have the paperwork to pick it up I sent this to Ally and have not heard anything back from them. I then received a letter saying that the account had been transferred to a collection agency. 
It takes hours to get someone on the phone after multiple transfers each time and I get hung up on.

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 2022-11-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
I want to start back making my mortgage payments on time. I want to make my late payments as well.

Company response to consumer: Closed with explanation