vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: VA

Complaint narrative:
This is in relation to the complaint i made to the CFPB earlier. 

ID : XXXX The Response from the bank is not to my satisfaction. Let me explain the problem better.

I requested the bank manager to deposit a cashier 's check from a tenant into my account.

The check was issued in the tenant 's name, but the tenant had sign the back of the check.

This is a common way to do real estate transactions.

The bank manager refused to deposit the check and asked me to leave. This is refusal of banking services by the bank. As they have untrained personnel managing these branches.

It is the Bank 's responsibility to make sure only trained personnel are bank managers. 

I walked over to XXXX XXXX, where I also have an account and they accepted my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AC AutoPay LLC, Denver, CO Branch
State: MA

Complaint narrative:
I applied to refinance with auto pay. They sent my application in I signed papers all that. I was told I had time to back out it I wanted to. And I did. I emailed, texted, and called to cancel my application. I spoke to someone on the phone and they told me it would be felt with as well as over email with a different employee. Well the loan went through they paid off my original loan and now Im stuck with this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I XXXX XXXX applied for a PPP loan with a third party lender in the amount XXXX that was disbursement to me on XX/XX/XXXX deposit in to my Capital One Bank Acct # XXXX the funds was place on hold XX/XX/XXXX I call them and they requested my XXXX Tax return i send it to them also send them my SBA loan forgiveness note that the XXXX was full forgiveness now they have place a hold on my saving acct XXXX that had XXXX I have call and email them several times and still no respones coming out a pandemic this has caused lots of hardship on me I need help deal with CapitalOne Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have filed for reimbursement related to a rental car with Chase Sapphire card ( using their required process via XXXX ). For 3 months they have given me the run around, constantly requesting the same document which has already been supplied multiple times. They are not acting and approving my valid claim and instead lie and deceive the customer with constant fraud replies. I need my funds sent to me asap ( Claim Number : XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I acquired the cryptocurrency called XXXX ( XXXX ) and sent it to my coinbase XXXX  address. The transaction on my crypto.com XXXX address says that it was successful, however, the XXXX never arrived on my coinbase account. After doing some research on the XXXX XXXX, turns out the XXXX on crypto.com is the native version and the XXXX on coinbase is the XXXX version ( XXXX token ). In crypto, you can not send a crypto from one blockchain to a different blockchain without converting it first. The main issue i have with this situation is that coinbase did not notify people that the XXXX on their exchange is the XXXX ( Ethereum ) version of the XXXX, not the native version. Long story short, I lost my funds and want them back. There is a simple solution to this problem, however, the user would require their private keys from their wallet, however, coinbase does not provide their customers with their private keys. When attempting to contact customer support, everything is automated, and none of the automated answers can help me with this particular issue that can be solved in minutes if I could talk to a real person. At the very least, they could at least list both the XXXX XXXX  version and the XXXX  native version and make it OBVIOUS that they are both different to prevent mistakes like this from happening again. XXXX and XXXX did this by simply placing a " XXXX '' in front of their wrapped currency ( XXXX and XXXX respectively ). Wrapping is simply making a native currency functional in the XXXX blockchain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GVA Holdings, LLC
State: NC

Complaint narrative:
I applied for a {$1400.00} loan from target cash now. The payments were set up to be deducted every 2 weeks from my bank account and I could pay my loan off or down with no penalties or fees. 

XX/XX/XXXX was my first payment of {$290.00}. I also paid {$500.00} to my principle therefore lowering down my loan balance. 

Once the {$500.00} payment was applied they did not remove that amount from my outstanding loan balance. Instead they only took out the {$58.00} from the initial {$290.00} payment leaving a loan balance which they are charging me like 700 % interest on as {$1300.00}. Clearly this is wrong and I have called and emailed with no help. The last time I expressed I wanted it in writing they told me to call their customer service. 

I have specifically asked them to give me the breakdown via email so I fully understand why they are charging me interest on the wrong balance with bo luck. I feel I have been scammed. 

Thanks for your help. I can forward email conversations if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently read through a copy of my credit report, and I noticed addresses, names, date of births, phone numbers and employment and social security numbers listed on there that are not correct. The only address that should be listed is shown at the bottom. There should not be any variations of my name because it is spelled one way and one way only. I have enclosed my ID as proof with my correct address and spelling of my name. Please send me an updated report as soon as you have deleted the inaccurate personal information. 

My full name is : XXXX XXXX XXXX There should be no other names listed. Please remove any others that remain My Social Security Number : XXXX There should be no other social security numbers listed. Please remove any others that remain My Date of Birth : XX/XX/XXXX There should be no other date of births. Please remove any others that remain My address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Any previous addresses are undeliverable, and I have no access to them. Please remove at once. 

My phone number : XXXX There should be no other phone numbers listed. Please remove any others that remain Employment : NONE, all employment listed on file is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Claim Number : XXXX is not being acted on for 3 months and I am asked for the same paperwork over and over. The company is a fraud and lies to customers at every turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10 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: TX

Complaint narrative:
I disputed that a credit card that was paid in full after reaching a settlement with the company. Equifax validated the settlement but then added it to my credit report dropping my score 49 points even though this was already on my report. Equifax updated the dates to invalid dates making this appear recent on my credit report when in fact it was already closed and settled. Equifax needs to add the 49 points back to my credit as this seams like they are punishing me for reporting a dispute on my credit account.

This is a predatory retaliation for processing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: SC

Complaint narrative:
I punchased wheels and tires from a dealer in XXXX nc in XXXX of 2021. Dealer signed me up through a company by the name of XXXX. The dealer refused to correct the problem after he sold me 2 bad tires. XXXX then proceeds to tell me that the only option was to donate the tires or pay off the loan that was for XXXX. I paid the agreed amount of XXXX total. XXXX then proceeds to report it to my credit with the wrong payment amount. And they reported I missed a payment which never happened. Now its affecting me and XXXX XXXX wont let me dispute. Because I disputed before and they done nothing about it.

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 2021-11-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent disputed to TransUnion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

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 2021-11-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
Hello, A company that is coming up on my phone as Argon ( though I think it may be Aargon ) has called repeatedly saying they are attempting to collect a debt. I called back on XXXX XXXX and spoke with a gentleman who asked for additional information to verify that they are speaking to the person they are trying to reach ( even though my phone number brought up the account, he said ). I gave my name but would not give any additional information such as date of birth or address ( I don't give out information to people or firms I am not familiar with ). The man implied I should give him the information and sort it out as the company is calling me " incessantly. '' I called again on XXXX XXXX and spoke to someone who said her name is XXXX. She said that she needed the date of birth information to proceed. They will not tell me what the calls are concerning, so I am not sure if they are legitimate or a scam. I am not aware of any accounts that would seek collection, and I am current on all of my bills, to the best of my knowledge. 

The calls have agitated me, and are causing XXXX. I don't think I deserve to be harassed by a company I have never heard of, perhaps for no reason. Can you help? Thank you. 

The phone number they called from is XXXX. Their website says they are a debt collection agency based in Nevada. Thank you for your help.

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 2021-11-10 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft GS BANK USA Account Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
Guaranteed Rate Loan Mitigation Department Mail XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX I am requesting an audit of my mortgage and would like to know why after nine ( 9 ) months, I am still in the forbearance program. I would also like to know what mistakes were made on my file. 
Due to XXXX, In XX/XX/XXXX, I lost my job. I placed my home under the forbearance program at that time. In XX/XX/XXXX, I contacted Guaranteed Rate wishing to begin making payment again. I was told to start making payments, so I did as of XX/XX/XXXX. I have not missed any payments since then. 
I contact Guaranteed Rate at least twice a month, sometime up to four times a month. I have spoken with numerous employees. I have left messages. I have had my account escalated to supervisor more than 15 times and have yet to hear from a supervisor. They do not return my calls. I was told that there was a mistake make on my account and that my file is in underwriting. Ive been told that that my file is with a supervisor waiting for them to sign off. Excuse after excuse. 
I have had NO resolve on my case/file. What is it going to take to get this matter resolved and to bring my home out of the forbearance program? Again, its been 9 months. I have requested to have my payments deferred several times. 
My house being in the forbearance program has made me miss out on opportunities to get my home refinanced to a lower interest rate. Quite honestly, I think its intentional and that the bank wants me to keep paying at the higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
During the Pandemic, I pro-actively reached out to all my creditors because we were mandated closed by the New York State. 

I communicated with my creditors about payments and what I could do while we were shut down about minimum payments. During this time they kept reassuring me that they understood and would work with me. There were days that I had to wait for XXXX hours on the phone trying to contact each vendor just to reach someone. 

I paid each creditor in full - all balances, interest, fees. I was told that upon payment that my account would show a positive payment status and history. I even asked them how they were going to report this to my credit bureaus. They all said that the account would show as being Paid in Full. 

However, this was not accurate or true. 
Based upon my review of my credit reports- They did not apply any PANDEMIC RELIEF or HELP to any months where I asked. They were recording every month as paid late. OR in one case even though the account was paid in full : The status was charged off. 
It was not until I asked them after making the payments why this was the case- when they each had indicated that due to the pandemic they would be providing some months of forgiveness and reduce the number of months that showed as late. In addition, my credit reports did not reflect for months afterward, the fact that each and every XXXX was paid to the creditors. 

I lost Business in the pandemic that I built for 20 years. I clearly know what it means to sacrifice and make changes. Each of my creditors was not cooperative nor were they transparent in how they were going to report my payments, final payoff, or any of the details that are negative on my credit report. 

If this is not resolved in a reasonable manner, I have hired an attorney and I will be suing each creditor and the credit reporting agencies for damages in STATE and FEDERAL COURT if I did not get a satisfactory resolution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have repeately tried contacting these people to get a current statement so that I can have this account resolved and they never mail me any statements as I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: IN

Complaint narrative:
They are reporting a false balance. They are actually reporting two different balances and also are reporting 30 days late on a charged off account to all 3 credit bureaus. This is a violation of the fdcpa. They are reporting {$540.00} and or a balance of {$710.00}. How is this possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion, XXXX, XXXX have all stated that the investigation was completed, that they in fact found that XXXX confirmed that the bankruptcy belongs to me. However, in complaint XXXX against XXXX, they actually have DELETED the bankruptcy from my file. Transunion DID not conduct an investigation like they claimed.

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 2021-11-10 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: SC

Complaint narrative:
I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

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