vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-08 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: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
XX/XX/2020 I called because I had received a letter stating that I was delinquent by {$0.00} and owed {$0.00}. I had gotten many calls and emails so I finally called and asked what was going on. The first cs agent told me I was fine, the second one stated that I did have a bad balance. So I immediately made a payment. Then this didn't work. I had to call again, after receiving another similar letter. I spoke with a supervisor, XXXX, she apologized and said that all I have to do is make a payment to correct the problem, send an email to the credit department and she will get it corrected, this was XX/XX/XXXX, XXXX we are now in XXXX, and there is no resolution, in fact they are being argumentative about the whole thing. I want my credit fixed immediately. They made an error and are refusing to accept their part of the responsibility. We had near-perfect credit before they did this to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was a Capital One credit card account customer in XXXX. Less than one year after opening an account I received a telephone call from Capital One 's Fraud Prevention department. The fact that fraud prevention had telephoned me on a Saturday afternoon isn't what struck me as particularly odd, it was the questions I was being asked. Apparently, someone ( s ) had obtained the pieces of personal information of mine necessary to submit an application for a line of credit. I assured the voice on the other end that I had absolutely zero knowledge whatsoever regarding an application for an additional line of credit. I began to ask questions of my own : what name was used on this application? What address was used on this application? Why would the fraud prevention department question me about applying for a second credit card when I could simply request an increase or spend from my checking account? ( My credit limit was less than $ XXXX. ) I was informed that Capital One was unable to provide me with any additional information over the phone and that my request would need to be written and mailed USPS. Several days later I handwrote my request and attached relevant documents, i.e. copies of I.D . and utility bill. I never received a response from Capital One and seeing as how I there was not additional follow-up from the company I put the matter out of mind. During the time that I was a credit card customer I paid my bill on-time - if ever, I were late with a payment it was a matter of days, not weeks or months or years. While I do not recall the exact month in XXXX, I do recall having telephoned Capital One. I don't recall the specific reason for contacting the company but I do recall there being a customer service issue that evoked an extremely irritated response/reply from me. This hadn't been the first time Capital One customer service proved to be sub-par. I disconnected ( hung-up ) the call without warning and without saying goodbye. Two to three days later I'd received a letter from Capital One informing me that due to 'fraudulent activity ' my account had been closed - I can only assume that whomever had closed my account following my gripe with customer service had been referring to that application for an additional line of credit that some XXXX had submitted months earlier. The letter instructed me to dispose of my credit card and to remit payment for my balance owed. There was nothing I could do after my account had been closed. I am just now filing a complaint with ConsumerFinance.gov because I had not been made aware of this agency. Having telephoned Capital One recently to inquire about whether the company would approve or deny a credit card application, should I decide to submit one in the near future, these events are fresh in my mind - or as fresh as can be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MacDowell & Associates, Ltd.
State: CA

Complaint narrative:
After a repo, the lawyers doing collectios for the car company coerced me into signing a very vague Entry of Judgement by Stipulation by threatening to garnish our wages and which didn't disclose rates, or other important credit info. After 5 years of payments, ( {$150.00} a month ) I tried to contact them because I needed an extension of time due to being laid off. Instead they refused to talk, and then sent a letter of default which I never received. They immediately filed the entry of judgement by stipulation and assessed an additional XXXX to the account without even telling me this had been done or more importantly how it was done, or even explaining my rights. When we were notified of the judgement, we called and asked what we needed to do, and they asked for {$1000.00} in order to bring the amount current, and provided no disclosures of the extension of the term, additional charges, etc. When we asked for documentation to figure out when would this payment plan be done, the company repeatedly failed to comply on explanations of fees, checked our credit again, removed notes from credit report, and made not attempt to adjust the balance, that had been inflated by the filing of the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: NC

Complaint narrative:
XXXX this is a fraudulent account a someone opened under my name {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
At the beginning of XXXX we were double charged our mortgage so we called the company ( Amerihome ) early XXXX and asked that the second payment be put back into our account, the Amerihome Mortgage representative stated that it would be in our account in a week, we waited a week in a half and our money was not returned. We called them again, the next representative said that the first one that was filed was incorrectly filed and that the money will be in our account in just a few days. We waited and nothing, so we called again. They said they could just transfer the money over for the next month ( XXXX ) payment, we said that was fine so we wont be charged in XXXX and they said yes and that the auto payment would not come out. On XX/XX/XXXX another mortgage payment came out of our account. I immediately called them and they said it would be a week before they could put the money back in. I said that was unacceptable and it needs to be put back now. They then couldnt get ahold of a supervisor to help with this so I had to wait another 24 hours for a supervisor to call back. We then filed a complaint with the XXXX and we received a call later that day from AmeriHome Office of the President. They said they were escalating it and that it would take a week, again, for the money to be returned. I told them this is unacceptable and they need to put the money back into our account that was unauthorized to be taken out. I spoke to the representative the next day and the entire day they did not have an update. So we are now almost a month in a half without ever receiving our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc won't let me connect my account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I disputed transection with XXXX for XXXX Dollar on month of XX/XX/2019. XXXX promised refund but since it took very long time and every time I was contacting XXXX it was just promise of refund but was not refunding so I made a complaint to Atorney General of Alabama state and iput a claim through Bank of America. BOA refunded XXXX dollar after dispute XXXX and when got fund from XXXX on XX/XX/XXXX after 2 months from my request for refund which was a very long wait. I received a letter from XXXX attorney office and XXXX had apologized for a long wait and had said that money is refunded through dispute by BOA and had issued a XXXX dollar gift card. Bank sent me a letter that matter is resolved thenafter. Yesterday I got another msg from BOA asking for more information about claim which I sent response of XXXX to them. I was told today by BOA THAT I HAVE TO PAY XXXX DOLLAR AND THIS AMOUNT ADDED TO MY CREDIT WHICH MADE ME VERY UPSET. XXXX XXXX SAYS MONEY IS REFUNDED AND BANK ONCE TOLD ME MATTER RESOLVED THEN WHY TO HARASS ME AGAIN. I AM HARASSED MORE THAN 3 MONTHS FOR THIS REQUEST FOR REFUND. This is FRAUD BY BANK AND HARRASING ME AND MUST GET INVESTGATED AND STOP. BANK CAN NOT TAKE XXXX DOLLAR FROM ME WHEN MERCHANT HAS ALREADY REFUNDED THE MONEY. below is explanation of incident with XXXX : I ORDERED A CELLPHONE WITH SERVICE PLAN ONLINE FROM XXXX BUT ON THE DAY that I HAD TO PICK UP the cell phone from XXXX STORE, CHANGED MY MIND AND I PURCHASED OTHER 2 CELL PHONE WITH SERVICE PLAN ON STORE ON EXCHANGE With the cellphone i ordered online. I DID NOT EVEN SEE THE CELL PHONE I ORDERED ON LINE. THE MONEY THAT I HAD PAID ONLINE FOR XXXX XXXX WAS USED TOWARDS PAYMENT OF 2 NEW PHONES AND I ADDED XXXX DOLLAR ALL FROM MY CREDIT CARD. XXXX USED ONLINE MONEY I SPENT TOWARDS MY NEW PURCHASE BUT HAD NOT REFUND THE MONEY THAT ONLINE I PAID FOR SERVICE PLAN. SO I CONTACTED THEIR CUSTOMER SERVICE ON XXXX OC XXXX AND ALL 3 CELL PHONE SERVICE PLAN WAS CANCELLED AND I WAS TOLD THE PRICE OF 3 SERVICE CONTRACT IS XXXX DOLLAR AND IT WILL BE CREDITTED IN MY CREDIT CARD WHICH NEVER HAPPENED SO I FORWARDED COMPLAINT TO ATTORNEY GENERAL AND BOA.

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 2020-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
After a repo, the lawyers doing collectios for the car company coerced me into signing a very vague Entry of Judgement by Stipulation by threatening to garnish our wages and which didn't disclose rates, or other important credit info. After 5 years of payments, ( {$150.00} a month ) I tried to contact them because I needed an extension of time due to being laid off. Instead they refused to talk, and then sent a letter of default which I never received. They immediately filed the entry of judgement by stipulation and assessed an additional XXXX to the account without even telling me this had been done or more importantly how it was done, or even explaining my rights. When we were notified of the judgement, we called and asked what we needed to do, and they asked for {$1000.00} in order to bring the amount current, and provided no disclosures of the extension of the term, additional charges, etc. When we asked for documentation to figure out when would this payment plan be done, the company repeatedly failed to comply on explanations of fees, checked our credit again, removed notes from credit report, and made not attempt to adjust the balance, that had been inflated by the filing of the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am being sued over a credit card that i have never had, which company says was opened back in XXXX and closed in XXXX. I was hacked 3 times from XXXX. My internet company was asked 5 times over 3 yrs to change my secuirty key, XXXX XXXX never changed my security key. I had fraud on both my bank accounts in the amounts of around XXXX I have submitted an claim for XXXX and XXXX XXXX! they both were hacked! Also my XXXX card was back in XXXX of this year! almost XXXX. XXXX was hacked too! Had many fraud with that account too! Also XXXX XXXX  on XXXX ordered a hat and soap which have which now with one of my cards of XXXX Every day is a new surprise in my email! Someone has messed with a XXXX XXXX account that I haven't used in 10 yrs! Someone opened a dept XXXX XXXX account! I ll never have had any XXXX XXXX account ever! My credit is frozen and has been since XXXX of XXXX My husband has been deseaced for 14 yrs, he had an ex-wife from XXXX. She and her family made our life 's misarable. She had 2 cars repoed lost there family home! But card and fake accounts in my name! She reacived XXXX child soaport and never paid for anything! She died 7 yrs ago and every one who did things with her is dead! I havent seen my step-daughter in 14 yrs, i gave her money to buy a car when her father died, Guess what? she blue the money with her mother, they all got tattoes! This identy-theft has been a Nightmare! Please help me, I ve been trying tofix my credit. My Computor has been scrub twice. I just bought it in XX/XX/XXXX! Thank You! 
my daughter 's lab top has no spell ck, sorry! lol!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I called the credit bureau just on yesterday which was XXXX the XXXX, to correct some inaccurate information. Well the address was deleted, but I also had other issues ; which I thought were resolved such as a collection that was on the report that had already been paid and wasn't removed and also student loans being reported inaccurately even though the government is given credit for them during the pandemic and my credit score went down 23 points on this morning because I called on yesterday this is not fair to the consumer. It's like I'm been incriminated for trying to fix my credit report from faulty information from experian.

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 2020-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
on XX/XX/2020, an automatic payment was made to Citi ( auto pay setup by me and initiated on their side to pull from my bank ) and cleared my bank on XX/XX/2020. As of XX/XX/2020, the amount of the payment is still not available to use as credit on the account ( ie, my credit limit is temporarily lowered by the amount of the payment amount ). 

I contact Citi 's customer service and was told that they can see receipt of the funds on their side already ( ie, they have my money ). However, there is a verification hold on the payment until XX/XX/2020. That is a nearly 2 week period. 

The representative said there is nothing they can do to release any of the payment funds earlier than XX/XX/2020. 

This happens to be a new card account, so I was told that since is the first payment, that is one reason why there is a hold.

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 2020-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Loan dates from XXXX when I was living in XXXX XXXX  prior to my move to XXXX in XXXX, XXXX. Name of the original debtor is XXXX XXXX XXXX. I had unemployment insurance on my credit card account, but it was not honored. Efforts to settle were declined. The initial amount of the debt has grown as well. Shortly after arriving in XXXX I began receiving numerous very threatening phone calls ( threats of arrest and jail time, repossession of my car, accusations of living beyond my means, having money hidden somewhere ). These calls took on a very ominous tone that left me very frightened and I began to ignore them. At one point after I began receiving those threatening calls I spoke with a local free legal service here in XXXX XXXX and for quite a while the calls and notices stopped. 

However, since then the debt appears to have been sold to various collection agencies. The current one being Portfolio Recovery Associates, Inc. In addition to mailed notices I receive numerous phone calls at all hours of week days and week ends sometimes as early as XXXX or after XXXX in the evening. The caller ID does not register the caller, but they come from all areas of the United States and lately from my own area code. I have an app to follow these calls and block them, but it does not stop the calls. I contacted XXXX XXXX, but they did nothing, claiming it is after all a legitimate debt. However, it is over 14 years old. 
I want to put a stop to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08 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:
I was trying to link my business account via XXXX to my XXXX online checking account for transferring funds and I get a message back the PNC wouldn't allow the connection despite entering the correct user name and password.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/2020 I called because I had received a letter stating that I was delinquent by {$0.00} and owed {$0.00}. I had gotten many calls and emails so I finally called and asked what was going on. The first cs agent told me I was fine, the second one stated that I did have a bad balance. So I immediately made a payment. Then this didn't work. I had to call again, after receiving another similar letter. I spoke with a supervisor, XXXX, she apologized and said that all I have to do is make a payment to correct the problem, send an email to the credit department and she will get it corrected, this was XX/XX/XXXX, XXXX we are now in XXXX, and there is no resolution, in fact they are being argumentative about the whole thing. I want my credit fixed immediately. They made an error and are refusing to accept their part of the responsibility. We had near-perfect credit before they did this to us.

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 2020-08-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/2020 I called because I had received a letter stating that I was delinquent by {$0.00} and owed {$0.00}. I had gotten many calls and emails so I finally called and asked what was going on. The first cs agent told me I was fine, the second one stated that I did have a bad balance. So I immediately made a payment. Then this didn't work. I had to call again, after receiving another similar letter. I spoke with a supervisor, XXXX, she apologized and said that all I have to do is make a payment to correct the problem, send an email to the credit department and she will get it corrected, this was XX/XX/XXXX, XXXX we are now in XXXX, and there is no resolution, in fact they are being argumentative about the whole thing. I want my credit fixed immediately. They made an error and are refusing to accept their part of the responsibility. We had near-perfect credit before they did this to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/2020 I called because I had received a letter stating that I was delinquent by {$0.00} and owed {$0.00}. I had gotten many calls and emails so I finally called and asked what was going on. The first cs agent told me I was fine, the second one stated that I did have a bad balance. So I immediately made a payment. Then this didn't work. I had to call again, after receiving another similar letter. I spoke with a supervisor, XXXX, she apologized and said that all I have to do is make a payment to correct the problem, send an email to the credit department and she will get it corrected, this was XX/XX/XXXX, XXXX we are now in XXXX, and there is no resolution, in fact they are being argumentative about the whole thing. I want my credit fixed immediately. They made an error and are refusing to accept their part of the responsibility. We had near-perfect credit before they did this to us.

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