vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: UMB FINANCIAL CORPORATION
State: SD

Complaint narrative:
regarding our XXXX XXXX card, they asked for reimbursement information to ensure that the purchases met the IRS guidelinses for purchases. First, we wouldn't have been able to use the card at those locations because the BIN is only able to be used for approved medical costs, " Qualified Purchases ''. One of our Qualified Purchases is for an online medical visit, and the other is for a dental procedure. These should be obvious Qualified Purchases, without asking for receipts. Asking for receipts in these cases, where the spend and use should be brazenly obvious, is burdensome to the customer, and merely used as a method to withhold funds from being used by the customer. XXXX cards are funded by us, and ultimately we have the tax liability. So I'm really unsure why XXXX, UMB is giving us such a hard time. Perhaps they get some of the unused funds if they aren't used within the qualified timeframe? 
Notwithstanding the burdensome and deceptive practices, we provided the requested information to XXXX, which appears to have XXXX XXXX involved, and the XXXX card is issued by UMB Bank. 
After providing the information, we were met with a letter saying that our card has been suspended, and that we are no longer able to use it. Withholding funds means we can't pay our medical bills, and that subjects us to our credit being destroyed due to late and unpaid charges. We shouldn't have to chose between paying our medical bills and putting food on the table, when we have money in our XXXX, but it's being held captive unfairly by UMB and XXXX. 
Further, when we tried to call in to their customer service, there is no availability to access any customer service agent at all. We are only able to " speak '' to an electronic service that will provide us claims dates and information. Completely unhelpful. Not everyone has easy access to a computer, and this is a discriminatory practice. 
It has valuable funds, funded by our own dollars, and severely needed to pay for medical costs. XXXX and UMB should be ashamed of themselves for this kind of customer abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2020 I spoke to a gentleman named XXXX ( ID # XXXX ) and he convinced my wife and I to purchase a package XXXX XXXX XXXX Vacations. XXXX never informed my wife and I that we had to attend a resort sales seminar. 

I received the information in the mail and noticed this requirement. My wife and I would like a refund. XXXX used deceptive practices to get us to sign up for something we are not interested in. Our XXXX ID is XXXX. 

I contacted my bank to dispute the charge and they said they can't do anything. My bank is BBVA USA ( Simple ). My account number is XXXX. Routing number is XXXX. They told me I had to work with the merchant. 

On XX/XX/2020 I contacted the merchant and they told me they would no refund the money. I sent an email to their support department with information about the dispute and I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
My money order was purchased in XXXX at XXXX XXXX to pay my movers. The movers would not accept it ; they wanted a Postal money order. My sister-in-law, XXXX XXXX, who was receiving my goods in XXXX, had to get cash to pay them. I gave her the money order for reimbursement but she could not cash it either. I then tried to deposit it in my bank but Western Union refused it. After giving me the run-around for two months, they are now claiming it was cashed XX/XX/XXXX. That is impossible since I still had the money order in XXXX and it was XX/XX/XXXX when I attempted to deposit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: NJ

Complaint narrative:
PNC will not allow me to link and ultimately transfer money to a different app for use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fairway Independent Mortgage Corporation
State: DE

Complaint narrative:
A local electric utility, charged me for months with readings from my neighbor 's meter. The probleme was investigated and the balance corrected after a lengthly complaint process with the Delaware Regulatory commissioner. On the phone, they promised to correct the issue. I demanded to have a new invoice, showing new balance. This was in XXXX. I attempted to pay with a credit card the corrected invoice, but could not, unless I provided my social security number - which I refused. Not until XXXX, when I tried to acquired a car that somehow, the balance shows up on my credit report. Reported by an agency OUT OF STATE. So I undergo a rate abuse!!! However, on a $ XXXX loan, which I paid off quickly and by same reduce insurance coverage. The entry goes away again, until this XXXX, when I began exploring a mortgage. I located a home and wanted a pre-qualification letter. XXXX XXXX ' said the high school drop out mortgage originator! 
Here 's the Nono email : " Hi XXXX. Per our conversation today, I am not able to issue a pre-approval. If we did the first time buyer program, I would need to base your income on what you reported on your last 2 years tax returns. If we didnt use the first time buyer program the rate would be 5.25 % based on your score of XXXX. I am sorry, but I dont have enough income based on the documentation provided to get you qualified to purchase a house in the {$180000.00} price range. Let me know if you have any questions. Thank you, " The XXXX score is made that low because of one credit agency only " XXXX. '' Who refuses to correct the derogatory entry from the utility. The other 2 agencies made the correction. XXXX, is more interested in selling me " protections I don't need! 

Please find attached a document showing a self-assessment on a the above mortgage. The guidelines are all in there ... Please help solve this woodoo. The bigger issue for me is to have a place where my XXXX yo son, could come visit in, and learn to be a man, because at this point, he's the copy of his mother!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMSSED 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 2020-07-29 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: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMSSED 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 2020-07-29 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: GA

Complaint narrative:
I bought a product from Equifax for XXXX online I was. alerted that my report was accessed 27 times so I called to dispute the information. 
I have a product I bought that supposed to have fraud resolution support, i called. Equifax to dispute these fraudulent inquiries they. wouldn't do it, but this product gives you or supposed to give the abililty to dispute fraudulent accounts or inquiries, i was treated with disrespect, I paid for this product and I expected help for the 27 inquiries on my credit report because its inaccurate information, thats what this product is there for you to buy and get customer support from a fraud resolution representative at Equifax, this product seems to be fraud you spend the money you go to call no help at all, I want Equifax to reach out to me and resolve this, under the fair credit reporting act you have the right to dispute fraudulent accounts any inaccurate information on your file and information that you recognize, please help to resolve this .i have contacted Equifax they have failed to help with the situation, I bought a monitoring product and it alerted me that my report had over 27 inquiries on my file and this is fraud and I dont recognize these inquiries I have ask Equifax to remove these inquiries and in their response they want me to go to each individual company and dispute it with them but due to this COVID-19 no one is in theses offices at this time, so I bought this product to insure I stay on top of my credit but unfortunately Equifax has took my money and doesnt want to help I was treated with disrespect and hung up on and I sent them a FTC identity theft report to show I filed it and sent to them through better business bureau they failed to want to help, please have Equifax resolve this and take these inquiries off my file please and have them contact me I will not go through any company because of this COVID-19 thats a waste of my time and these inquiries are fraud, I do not want a fraud alert on my credit report Ill decide that, but please help as I have tried 10 times and Equifax has ignored me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: AR

Complaint narrative:
I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX  XXXX {$61.00}

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 2020-07-29 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: AR

Complaint narrative:
I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX  XXXX {$61.00}

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 2020-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I tried to use my card to submit a USPS change of address request for a charge of {$1.00}. I used Capital One for last move with no issues. This time, the charge is showing as declined and USPS told me to contact my financial institution. I did contact Capital One and I was told that everything matched fine. We re-entered the address again. Still failing. USPS continues to say it is declined on the card issuers end. Capital One continues to say there is nothing they can do. I was told to call back and speak with the transaction support department but your managers would not ever transfer the call, just said there was nothing they could do. I kept hearing " we can't do anything more. '' I tried my other Capital One card and it was also declined. I tried another NON-Capital One credit card, and it was approved the first try! I can not believe Capital One when they continue to say it's nothing to do with them, it's all the USPS, when I try a different credit card and it works fine on the first try. I want someone to review all the calls from the past 24 hours on my account and see this back and forth. It is clearly an issue with Capital One when both of your cards are declined and my other credit card approved immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: TX

Complaint narrative:
Arm Solutions, Inc has billed XXXX XXXX for collecting money allegedly owed to the XXXX XXXX XXXX for newspaper. Mrs. XXXX is XXXX years old and legally XXXX. I contacted the XXXX  XXXX XXXX and spoke with a customer service representative who agreed to remove the debt. I then called ARM Solutions and spoke first with a representative, then with a supervisor. I advised them that the XXXX   XXXX XXXX was removing the debt. I also advised them that as Mrs. XXXX XXXX attorney, they are to cease contacting her and send any further correspondence to me as prescribed by the Federal Fair Debt Collection Act. They refused to even take my name, address and phone number according to their internal practices. If they continue I will take appropriate action, but I believe that company deserves this complaint. 
Mrs. XXXX address is XXXX XXXX XXXX AXXXX XXXX, XXXX XXXX, MO XXXX. My contact information is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Arm solutions contact ins XXXX XXXX XXXX, XXXX, CA XXXX, phone XXXX - collection account number XXXX XXXX XXXX. ARM solutions refused to provide contact information to me regarding its legal department.

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 2020-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid my car off on XX/XX/XXXX. At the advise of the loan officer i was told that it would report as lien released within 48 hours or as soon as money shown as removed from my bank account. I was told by representative that she could make two checks by phone for total amount because the limit for each transaction was {$5000.00}. She drafted a {$5000.00} transaction and a {$3000.00} transaction. I was told that once the money was deducted from my account that i could get my lien released. XX/XX/XXXX i called back and spoke with a supervisor XXXX. I was told that it would take 11 day to verify funds before the lien could be released. He finally after being pressed agreed to see if he could get it done as promised. He asked me to email a copy of my bank statement showing sufficient funds to complete the transaction. I emailed it to XXXX. I received a document saying BMO Harris has no financial interest in my car. Its now the XXXX and the electronic release still has not been received by the state of Florida. I spoke with a XXXX XXXX tax collector who informed me that the lien was still in place. 
XXXX XXXX stated that there was nobody above him to complain to and that his supervisor was on vacation anyway and had no idea when shed be back. Only that i could not contact her. 
Spoke with a XXXX who claimed to be at the same level as XXXX XXXX. She confirmed that release of lien was no requested on the XXXX as states several times by XXXX XXXX. She stated that it was requested released a little after XXXX today after my 4 th call to 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 2020-07-29 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$2800.00} XXXX XXXX {$460.00} XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Hi CFPB!! Please forward the following documents to Midland Funding. I'm also including XXXX, since it is the only credit bureau that shows account. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I was on a COVID forbearance with PennyMac but it is showing up that I am behind on my mortgage. That is not correct. I am in the process of trying to work out a loan modification. The company keeps stating that I am protected but that is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29 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: IL

Complaint narrative:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I'm a checking customer through PNC bank. PNC has made it impossible to use non-PNC banking products, like XXXX or XXXX, and has made it very difficult to use payment products like XXXX or XXXX XXXX. PNC doesn't offer comparable products ; and it makes it more difficult to send and receive payments, and also to use innovative financial products to save small amounts of money like XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am attempting to refinance my home. My mortgage company uses Equifax for a credit check. Equifax has no history of my credit. I contacted them, faxed them what they requested - copies of my State I.D . and Social Security Card. I still don't have access to my credit report and my refinance is hanging in the balance. Because the interest rates fluctuate every day on Real Estate loans, this is causing a hardship for me and may result in the loss of a good interest rate. XXXX  and XXXX have my credit history, Equifax has lost it.

Company response to consumer: Closed with explanation