vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I owed American Express approximately 1300 for a balance on an American Express credit card. They stated that I need to repay the whole balance by the end of the month, which I thought was absurd. I have never owned a credit card that forces me to pay the entire balance every month. At the time, I had a lot of hardships and wasn't able to repay the whole balance. I told them I can make payments. So we worked out a payment plan of XXXX dollars a month for 24 months. I paid them every dollar that I owed. I have the bank statements to prove it. A year later, they called me again, and said, that I still owed them money. I told them I already have paid, but apparently the person I spoke to didn't believe. They sent my supposed debt to a debt collector. I feel like they were trying to extort more money out of me. And since they weren't able to, they sold my supposed debt to a debt collector to maximize their profits on my behalf. And now I am obligated to hire a lawyer to fight this, which costs me more money that I don't have, especially during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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

Complaint narrative:
Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequium Asset Solutions is attempting to collect a debt that I do not owe. I do not and have never had an account with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: First Advantage LNS Inc.
State: DE

Complaint narrative:
The lease ended and I moved out. Eviction notice was still filed and the maintenance men began moving things out of the house.

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

Complaint narrative:
Hello, I requested recurring online transfer from my Business checking account with PNC Bank. During payment scheduling, I selected wrong account with the same bank. 

Now, I am trying to STOP IMMIDIATELY ALL RECURRING PAYMENTS from the wrongly selected account. I tried deleting online but do not see delete option. I called bank 's customer service and she said that she can not do it and I have to wait till the Delete button becomes enabled.I also tried sending them email but they do not receive email complaints. I have accounts with other bank they are always available.IS PNC BANK IS IN DIFFERENT LINE OF BUSINESS THAT THEIR ENTIRE STAFF IS NOT AVAILABLE ALL THE TIME TO CUSTOMER AND NOT RECEIVE ANY COMPLAINTS??? Hard to believe this non sense. 

I need help here and stop it asap.I must have tried calling bank at-least 10 times but you get standard recorded response and no one helps to resolve such a small problem. This is an issue with the PNC ban 's system. 

I am really tried calling bank but no success. I am not left now with any other options but to file a complaint. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I contacted Equifax via mail on XX/XX/2020 and online on XX/XX/2020 to dispute unauthorized inquiries. I received a follow up via email on XX/XX/2020 stating my dispute was complete. However, I was unable to view the results online as the system is not working. I tried to reach Equifax via phone today XX/XX/2020, I held for 4hrs before the line was disconnected. I finally received the dispute results via mail later on in the day. Equifax deemed the inquires factual, I received no supporting documents. I have never applied for anything with these companies, these are fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i made was in line at home depot on XXXX in XXXX ny. a store employee approached me and told me if i get the home depot credit card i would get XXXX dollars off the purchase in store and XXXX dollars off my first bill. i believe this was in XXXX. i signed up for the card but did not have my id so i could not use the card. i got my id a couple weeks later and went back and spent XXXX $ on the card. i asked the clerk several times if i would be getting XXXX dollars off the first purchase and XXXX  dollars of the first bill and the confirmed i would several times. i was glad i had to go get my id actually. i felt like being able to talk with someone else would really confirm the great deal the other employee offered with this card. so i made the puchase and was never granted XXXX dollars off my credit card bill. i called the home depot credit card department and talked to a superviser they said call the store. i called the store and they confirmed the promotion was correct and i should have gotten the XXXX $ off but told me to call the home depot credit card department again.

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 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
MIDLAND FUNDING ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
This complaint is the result of multiple violations to my rights as a consumer, and to the Fair Credit Reporting Act that American Honda Finance is committing.

I want to report that American Honda Fiance is doing the following : - Reporting different information across bureaus.

- Failing to investigate the account.

- Damages : legal spent, emotional stress.

I am demanding this company to remove the following item from my reports : AMERICAN HONDA FINANCE. Account Number XXXX Opened XX/XX/2018. 

I have a strong case. I am sure that any attorney would be willing to take this to court. I am willing to do it if Honda does not get the late payments ot the item removed from my reports.

Please send the attached documents to American Honda Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
I would like to thank XXXX XXXX for her XXXX  response to my complaint. I guess that taking 19 months to resolve a matter is fine with Bayview however were is the offer of monetary damages that they have caused me health problems and other stress. I guess after filing a complaint on Consumer Affairs and getting opinions from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX I guess rather than addressing that problem they want to go to court and lose millions which they will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
We have several email correspondence about this matter. we have several calls as well regarding the call 's, text, and request to pick up the car and they've yet to pick up the car, provide the title for the car, give any information regarding the next step of the process and this is driving me crazy. I am actively in the military and as I serve my country this is the last thing I need is to be dealing with this mess. We have done all we can to get this matter handled and they are penalizing me credit-wise, refuse after several made appointments to pick up the vehicle and I can't keep trying to handle this matter on my own.

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 2020-05-05 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: HI

Complaint narrative:
Experian is reporting a charge off account on my credit report that's fraudulent. I have call and sent many letters. I sent identity 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 2020-05-05 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: WA

Complaint narrative:
These are not my accounts, addresses on file, name on file, nor did I authorize these companies to pull my credit.

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 2020-05-05 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: CA

Complaint narrative:
Ive been a victim of identity theft.

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 2020-05-05 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: CA

Complaint narrative:
Ive been a victim of identity theft.

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 2020-05-05 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: WA

Complaint narrative:
On XX/XX/2020, I received a direct deposit from the IRS and on the XXXX of XXXX, 2020, I tried to use my card at XXXX XXXX XXXX XXXX and it was declined. So on the XXXX XXXX  XXXX I called bluebird customer service only to be told I need to call a different department. I called on the XXXX Sat on hold for 3 1/2 hours only to be disconnected. Then called again the next morning on second to still on hold the first time for 2 hours, and the second time for 1 1/2 hours. I called customer service number back that I originally talked to for them to tell me same thing they can do nothing and to call the other department. I expressed to them my frustration and asked for a supervisor only to be transferred once again and was on hold for another hour before hanging up. I called again on the 3 third for a couple hours and today the XXXX for about 1 1/2 hours all together about 12 hours of sitting on hold and I just want to close my account and get my money off the card. Also I can't even log into my account online it tells me my password or username is wrong so I tried to reset it and it just kicks me back to the log in page. Please help me.

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

Complaint narrative:
These are not my accounts, addresses on file, name on file, nor did I authorize these companies to pull my credit.

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 2020-05-05 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: WA

Complaint narrative:
These are not my accounts, addresses on file, name on file, nor did I authorize these companies to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2019 I was supposed to be reissued a cashier 's check of my remaining balance in my account with bank of America. They had mailed me a cashier 's check after 3 years of fighting with them over it. I contacted the OTC, and in doing so was approved for my money. Bank of America sent my cashier 's check to the wrong address. So I then had to wait the 90 days and yet I still have not received my money.

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 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I called Wells Fargo to ask them to close an estate account and transfer the funds to either my checking or savings. I was told no problem. Then they hit a snag and i was put on hold. They said due to the size of the amount $ XXXX they would not be able to transfer and that a cashiers check would have to be issued, I told them that was not an option as i needed the funds available to me now. I then asked since I was told the limit was XXXX to transfer the amount of {$9900.00} and the cut the rest in a cashiers check. I was told that since the bank account was closed there was nothing they can do. But wait? I never confirmed the bank account to be closed. I asked for it to be closed and my funds to be transferred. I went through 3 " escalation '' departments to receive the same answer from everyone. I can not have my funds today, it will take 2 business days. ( not what i asked for ). I asked for the account to be uncancelled, and was told that was also not possible. I asked for them to issue the money and remove it from my account as a payback, I was told that was not an option. I asked if any late fees or hardships are to result in my not having my funds today, what is the penalty to the bank? I was told nothing. In a super sweet customer service voice with tons of apologies I was told a complaint was submitted and it would take 1-2 days at the earliest to hear back from them. I simply asked for a resolution to an issue they created and they had none. I never confirmed for my account to be closed, I never was read disclosures, and I was unfairly treated. Wells Fargo provides zero resolutions to issues including and most importantly ones they create. I would love for them to be penalized to the highest extent of your 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 2020-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA has taken nearly a month to process my PPP loan. Other XXXX XXXX I worked with prior to COVID who have S-corps structured identically to mine and applied for loans in the same or similar amounts have heard back and been funded within a single week. This includes one XXXX who applied as late as last week and was funded today. BBVA representatives XXXX XXXX and XXXX XXXX have admitted to me on recorded phone calls ( attached ) that the bank did not have the resources necessary to participate in the PPP loan program. And yet they decided to. Despite stating that they are processing applications in the order they have been received, they are not ; they are prioritizing clients with larger accounts with the bank, from whom they stand to make greater profits. Illegal. Ms. XXXX and Ms. XXXX belong in jail.

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

Complaint narrative:
I have submitted the proper documents and they still haven't solved the problem.

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 2020-05-05 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: Ocwen Financial Corporation
State: NC

Complaint narrative:
To whom it may concern, We are with this mortgage company called PHH. We have never been late In all of years with them and even ever before that. Back in XX/XX/2019, they had a computer error that automatically drafted our account {$74000.00} instead of our {$1200.00} regular monthly mortgage. They took ownership and it took about the whole month to straighten it out with their posting and our bank. We made the payment XX/XX/2019. 
We never missed a payment and now we are relocating and having to pre qualify for a new home. We cant cause PHH posted that we paid the month of XX/XX/2019 wrong. They posted we didnt make a payment and a double payment in XX/XX/2019. All 3 credit bureaus show it and we cant qualify. 
This whole thing was due to their error. I have been on the phone countless hours last week and today. They say they didnt report wrong and wont fix it. The credit bureaus say that is the information that they received. We dont have a lot of time with the virus and our home being for sale. This is a big burden on our family. PHH should not be allowed to make an error like that and not be beholding to fix it. They have countless lies on lies to us stating they will fix it all to not doing what they say. Again, what else are they covering and PHH should not be able to XXXX our account up on their error and mess up our credit at the bureaus. How professional is that? Please help. We have pleaded with the time and they say it will take 30 days and give us all these excuses and different stories. Its very unprofessional. I feel we have been terrible represented by a lender. 

XXXX and XXXX XXXX XXXX Sent from my XXXX

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

Complaint narrative:
Hi, There have been 5 attempts to gain credit using my information. None of the requests below were made by me or in my home state where I have been quaranting since mid XXXX. Below is pulled from my credit report. 

Inquiry details XX/XX/XXXX Inquiry fromXX/XX/XXXX Utilities & Fuel Institution Information XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry from XX/XX/XXXXXXXX XXXX XXXX Institution Information XXXX/XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Utilities & Fuel Institution Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Utilities & Fuel Institution Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXXMisc.

Institution Information XXXX XXXX XXXX, OH 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 non-monetary relief