vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: FL

Complaint narrative:
I reviewed my credit report to find this company has been reporting on my file without given the proper procedures according to the FDCPA

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 2020-05-03 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: Moiharwin Diverisfied Corporation
State: NV

Complaint narrative:
i have been disputing this account to the bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent a validation letter to the third party collector on XX/XX/XXXX and they are sending me the same letter with a bill with my name on it ( not a signed bill ) at least on 3 different occasions and still not verifying the actual signed contract. I was also a victim of identity theft in XXXX, which i have sent both parties my affidavit. This false accusation that i owe this company is holding me back from my business endeavors and while this pandemic is still climbing I would like this error to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC won't let my bank account link to XXXX app. I have used this in the past but XXXX app says PNC won't work with them. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Due to the corona virus i am now able to pay XXXX mortgage today is XX/XX/2020. 
My interest rate is almost 8 % 7.92 % I am definitely a mortgage prisioner I do believe if i could get some HELP with very high rate that i would be able to not struggle so muchand could easier be able to get back on track. 
My home was once inforclousure. And it was extremely stress fut at that time i was abe to do the loam modifications BUT. XXXX XXXX   company did not give any help with the high rate. 
This was my mother 's home he passed away in XXXXi have been struggling ever since. 
Please I could obtain some assistance with this rate.i am XXXXyears old and recently had XXXX XXXX XXXX XX/XX/2020 an am currently undergoing XXXX therapy. 
I was not able to work due to the XXXX and now with the corona virus i again missed some work ue to my 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 2020-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
When I go to link money transfer accounts such as XXXX or XXXX to PNC, it will not authorize it. On top of this, there is no way to unauthorized it by proving it is you that is doing it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: PA

Complaint narrative:
On XX/XX/2020, I called finance company to satisfy the debt of XXXX. I paid the settlement price and was supposed to receive a presettlement letter within two to three days. I called about a week later to give them more time and was told it's going to take 10 to 15 days. I have tried several times to receive my settlement letter and have not been successful. The last time I tried to call they stated they were going to email the representative that I spoke with and that he would email me the letter. It has been about 45 days and I still have not received my letter. They received money and when I call back now, I can not reach anyone or message will be forwarded to original representative. I also was given a audit number from the representative that took my payment. And I provided that when I try to dispute this. It appears on my credit report that I made a payment but account still has not been updated to paid settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Is not allowing my card to go though

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
First Hawaiian Bank charges a {$5.00} fee every month for online bill pay service. I have been charged this fee on XX/XX/20, but do not use this service. First Hawaiian Bank has charged me this fee last year for 11 months by withdrawing from my checking account, even though I have never utilized this service. The withdrawals were disputed and stopped for approximately four months. However, First Hawaiian Bank again began withdrawing for the same fee on XX/XX/20. Other individuals have also reported this same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
Hello, I spoke to my loan Servicer, CMC Funding ( Specialized Loan Servicing ) yesterday XX/XX/2020 regarding forbearance on my mortgage. 
I was laid off from a XXXX XXXX due to COVID19. I researched my loan and it is a XXXX XXXX loan. 
My servicer is insisting that at the end of the forbearance period all missed payments will be due and need to be paid ALL AT ONCE IN A LUMP SUM. ( Theyve been telling me this for the last month and I wanted to know if they were aware of what was announced this past week regarding XXXX XXXX ) They did mention 30 days prior to end of forbearance period they will reach out and discuss options after the forbearance period. However, it can not be determined at this time what those options will be. Nor can they guarantee another option will be available so basically be prepared to have to pay the full amount of missed payments. 
I shared with the representative what I read about XXXX XXXX and the Cares Act. He was not familiar with any recent special instructions regarding XXXX XXXX loans and Even said he would check out the XXXX XXXX website after we spoke. 

A friend of mine has a XXXX XXXX loan with XXXX XXXX. They granted her a forbearance and immediately disclosed at the end of the forbearance her payments will automatically be deferred to the end of the 30 yr loan. 

I wish I could know the plan now as well, before using the forbearance. I have good credit and I do not want to tarnish it, having to come up with all three months at once stresses me out. I am trying to be proactive and make what savings I have last until my work in the XXXX resumes. 

I wanted to inform you this servicer May not know all the details regarding XXXX XXXX loans and hopefully you can reach out to them and make some clarification for them. 

Thank you, 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 2020-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX of 2020, I filed a claim with Bank of America about the scam using XXXX to send {$190.00} for a product but I never recieved. They denied my claim and took back credit, they refused to do further research. I contacted XXXX  countless times but they refused to help. Please help me to bring justice

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 2020-05-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
HSBC ( https : //www.us.hsbc.com/ ) didn't give the right rate for their HSBC Direct 12-month CD I applied for a new HSBC Direct CD on XX/XX/2020 and their web ( https : //www.hsbcdirect.com/cds/ ) was showing the APY rate of 12-month CD is 1.9 % when I was applying for new account. However, their very bad process needs to review the application and finally the account was opened on XX/XX/2020 ( amazing processing speed ). After completing the application, I also called their customer service and their agent confirmed with me that their CD 's opening APY rate is based on the application date, but not the opening date! I think that this rule should be reasonable : because that I agree with opening the CD because of the rate I have seen on the official web ( this is because that no one knows the real rate in the future! ) However, when I saw their first month 's interests and I was surprised. Then, I contacted their live agent ( named " XXXX '' ) who told me that the CD was opened at a rate of 0.8 % ( this is based on the opening date, but not the application date ). Then, why should I open a CD at such a low rate? Because currently their Direct Savings ' rate is still 1.7 % ... The bank 's explanation is completely unreasonable and unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Cant link account to other account fur transferring funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX Collection Agency has violated the code of ethics and they're also in violation of the FCRA. XX/XX/XXXX This agency appeared back on my credit reports after some time. The tactics they have been using should be illegal. They have been manipulating 2 different acct numbers to act as 4 different accounts with different dates and balances. They use acct # XXXX, acct # XXXX acct # XXXX and acct # XXXX. For the past 3 mths claim information has been fluctuating. Every time i dispute their claim a piece of information would change for their benefit. I contacted them via their website and they had 1 collection in my name it was the # XXXX acct and that acct didn't even mirror what was on my reports. They used 4 acct numbers to appear as 2 accts and wasn't even accurate with with important details on all reports. One time using the exact same acct #, the exact same date and exact same balance on my XXXX  report and at times they used 2 different addresses at the same time. On XX/XX/XXXX. I told them they were violating the code of contact and violating the FCRA. They retaliated by making a ton of accounts using the same account number, making up claims, using the original collector 's ( Capital One ) name and logo and maliciously flagged my account with a public comment. All of those accounts they made up stayed on my credit for weeks until the investigation was over. I was denied credit because of them. I was approved for a Capital One card then a week later denied because of them. That collections agency hasn't contacted me one time since they claim they had debts owed by me but as soon as i said i was going to report them they stopped making false claims and they sent letters with REAL and FULL account numbers. As of right now they stil have different collections start dates than they originally had. I read Capital Ones 3rd party agreement and they are not following their wishes. They were supposed to contact me and help me settle my account, my account was to be charged off and to stau closed, they opened the accts back up without my knowledge and they wasn't suppose to use Capital Ones name to collect a debt. They knowingly made up fake accts just to hurt my credit. I had to purchase credit protection from XXXX  to stop them.After what they've been doing to me, violating the code of ethics and me getting denied credit when i shouldn't have, I don't feel like i owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
using Lowe 's Advantage card I made online from lowes.com purchase of products which occurred XXXX XXXX.The order number was XXXX with total of {$2000.00} via web page. The website indicated that the shipment will deliver in two weeks period. When I have received package, there were four items priced {$130.00} plus tax was missing and I was thought it maybe in different package so waited one extra week hoping delayed arrival. However, my remaining package did not received. For that reason, I directly had called customer service and they said will investigate and told me let me in 60 days. In mean time I ask them I need the product and they said, " you can order the same item and will reimburse you later. '' Then I had purchased the items using the same card and picked up from local Lowe 's store. 
After that they denied my inquiry and told me that the carrier left at your door no signature required and you are responsible to pay adding on to my account. I have been contacting them telling the fact that we have package theft problems.Having no choice, I have been paying with the interest while looking resolution and keep asking them. Recently I had sent a letter, again investigated and told me to ask carrier but, they said it is delayed. They need to tell on time, if they are responsible.And also I went local court to file small claim and said that if they are not local business couldn't help. To go federal court, I have to have lawyer, but lawyers ask lots of money that I can not afford, even some of them not take it. i am an XXXX, but XXXX  US citizen. I am faithful to my religion, my country, I need anyone 's money. I also shouldn't my own for business I did not used.

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 2020-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have opened a few American Serve prepaid cards in 2019. I loaded money and used them to pay for bills, hotel bookings. In XX/XX/2019 I booked a few hotels for my vacation with the cards bu putting down deposits. The vacations were later canceled in XX/XX/2019 due to personal reasons and the deposits were refunded to the cards automatically. However American Express Serve card company thought the credit from the hotels not from the original refund and restricted my access to my own money in these accounts. 
I have called them numerous times but they refuse to give me my money back. 
They are also charging monthly fees on these account after the accounts were frozen. 

We need our money back and this company is unethical for freezing their customer 's money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03 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: VA

Complaint narrative:
Equifax is reporting 5 accounts from XXXX XXXX that do not belong to me. I was not notified by mail of any of these accounts prior to this company placing these accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: VA

Complaint narrative:
Credit bureau is reporting an account from XXXX that I am not aware of. XXXX has not given me any information about this account prior to placing this account on my credit report. The credit bureaus have not given me any information on this account prior to placing this account on 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 explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: KS

Complaint narrative:
Since having the loan for {$2200.00} I have paid over XXXX dollars in payments off XXXX by weekly since XXXX and my balance has only dropped {$400.00}. I don't get assistance or responses from emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: VA

Complaint narrative:
XXXX  is reporting 5 accounts from XXXX XXXX that do not belong to me. I was not notified by mail of any of these accounts prior to this company placing these accounts on 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 explanation
Consumer complaint received 2020-05-03 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: VA

Complaint narrative:
Credit bureau is reporting an account from XXXX that I am not aware of. XXXX has not given me any information about this account prior to placing this account on my credit report. The credit bureaus have not given me any information on this account prior to placing this account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I have an American Express bluebird card that I just recently switched my VA compensation direct deposits over to. I had one check go in and my stimulus check then after 2 maybe 3 days by of paying my bills, bluebird locks my card for some reason. I was told to call customer service to have them unlock it. Well, ... nobody ever answers. I held on today for 1 hour and 27 minutes. Can't log on and fix it ... .I put in user and pass next page says card locked and go no farther. The so called account protection department bc will not ever answer either so you either get hung up on or wait for bb nothing all day long. That is EVERY XXXX my family has and we will definatley not make it with nothing. Somebody's head needs to roll.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03 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: DC

Complaint narrative:
Inaccurate information on 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 explanation
Consumer complaint received 2020-05-03 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: DC

Complaint narrative:
Inaccurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: DC

Complaint narrative:
Inaccurate information on 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 explanation
Consumer complaint received 2020-05-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello I opened a personal loan from XXXX XXXX XXXX XXXX for {$7.00} and I had paid like $ 1000- {$2000.00} then I was not able to pay back and it went to collection. After 1 year I made a full payment to their lawyer with Cashier Check. I am having 2 problems with this account on my credit report 1 ) it shows 2 accounts which were not paid ( it is supposed to be only 1 account ) 2 ) it is still showing I own them some money which I should not because they didn't do any discount and made me pay full and They did threat me that I lose everything in XXXX XXXX county because they are part of the government

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 2020-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My capital one 360 credit card seems odd. The card is a dark navy blue color on both the front and on the other side but in the middle it is red? I dont remember ever having a credit card that had a different color inside only. Could you check this out for me? Thanks

Company response to consumer: Closed with explanation