vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A.
State: NY

Complaint narrative:
This bank closed my accounts and ended their relationship with me and then sent me a refund check which I received but when I deposited it at my bank they cant find the deposit their is something wrong I have called Pnc to inform them of this issue with the check they sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Three different mortgage lenders cant get my Equifax credit report when they ran my credit. They received XXXX and XXXX just not Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
I attempted to pay off my entire balance on my Goldman Sachs Apple Card on XX/XX/XXXX and called in to make a balance transfer of {$5700.00}. The payment was initially accepted on the phone, but a few days later the charge was denied. 

I still had a balance due on the Apple Card, so I called to find out what the updated total amount due was. The rep told me my new balance was {$5800.00}, so I mailed in a physical check. That check went through on XX/XX/XXXX. I showed a {$0.00} balance. 

On XX/XX/XXXX my account was charged interest of {$74.00} and a monthly installment plan of {$41.00}. I called to find out why I was being charged this when I had a {$0.00} balance. I could potentially understand the installment payment ( though I was told it was included in the balance I paid ). But I didn't understand how a {$41.00} charge would accrue {$74.00} worth of finances charges. The rep couldn't explain either. 

Between XXXX and XX/XX/XXXX I called several times I was never given a clear answer as to why I had a balance. Finally in XXXX, they explained that the balance I was quoted did not include the installment plan and I would still need to pay that amount of {$160.00}. I initially disputed that amount because I felt I shouldn't be penalized for their mistake. 

I eventually called back in to pay the {$160.00} and get rid of this headache. I was told I would have to pay the new balance of {$210.00} because there was delayed interest that wasn't applied when I paid the balance in full. Again I told them I got my pay off number from them and do not want to pay any additional fees. Due to their mistakes, poor communication and poor customer service, I am asking a third party to review this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Placed two deposits into my Capital One online banking account on XX/XX/XXXX. Shortly after the deposits Capital One locked up my account and I did not have access to it since then. I have called them five times and gave them an explanation for the deposits what they have done nothing, including not even return my calls. My Capital One account is : # XXXX. This is poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: ID

Complaint narrative:
I had a duplicate payment for my credit card deducted from my checking account. The duplicate payment was unauthorized. I called my credit union to enter a complaint about this error and they told me to work with my credit card issuer and would not help me with recovering the duplicate payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX  XXXX  purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX XXXX needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over 5 years and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!!

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 2021-02-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX  XXXX  purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX  XXXX  needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over 5 years and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2021 PNC Bank closed my virtual wallet account # s ending XXXX, XXXX and XXXX. Please note that I have been banking with PNC for over 30 years and before that when this bank was XXXX XXXX. During my 30+ years as a customer. PNC has practice changing my accounts from one account number to another account number without my request and/or knowledge, closing my accounts and transferring to another and/or closing my accounts without my knowledge and/or request. Then they send me a notice after the fact. This is the last straw for me. When I contacted PNC I was informed this time my account was overdrawn {$6.00} for over 30 days which is untrue and that is why they closed my accounts. Only account # XXXX was overdrawn {$6.00} but they closed all 3 accounts # XXXX, XXXX & XXXX. I was informed by branch Representative that account # XXXX was only overdrawn less than 30 days. I explained to them that this bank ( XXXX ) needs to remain open because I use it for my direct deposit from IRS every year which I have already filed and use it to pay my bill as automatic pay. I spoke 2 Bank managers named XXXX XXXX and XXXX and was told that my accounts were closed will not be reopened. As I was speaking to them all of my bank information of my closed accounts was removed from my excess. 
As a customer for many years l should have received better treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: First Technology Federal Credit Union
State: NC

Complaint narrative:
I applied for a Personal Unsecured Loan with First Tech Federal Credit Union on XX/XX/XXXX in the amount of {$5000.00} under installment of {$130.00} per month for forty-eight ( 48 ) months, due date on the XXXX of the month before the closing date of the XXXX of the following month per approval by First Tech Federal CU Representative Customer Service agreement to avoid a late fee and past due on installment payments. Since First Tech Federal CU is an online Bank in my State of XXXX, NC, I mail my monthly payments of {$130.00} plus {$15.00} late fees totaling {$140.00} by United States Postal Services 2nd day Priority Mail to received before the closing date of the XXXX of each month since I am a Retired XXXX  Employee from the XXXX for XXXX XXXX XXXX XXXX over 48 years & received my retirement benefit on the first of each month. I tried on three attempts with First Tech Fed CU Representative to set up an Electronic payment Plan per application online to be debit from XXXX XXXX XXXX XXXX Checking Account but First Tech Fed CU did not accepted agreement. Therefore, I mail payments by Certified Mail per month and First Tech FCU is fraudulently reporting account past due since XXXX until present of XX/XX/XXXX ignoring my dispute. Balance is {$2700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am an American citizen on unemployment as a direct result of covid. Unemployment monies were went through Bank of America in an account only accessible through ATM. All was fine until I reported fraud on my card. The criminals somehow got my card information and withdrew XXXX dollars in three different locations. I told the customer service/fraud department department I could show where I was when my card started being used through my XXXX maps, also my card was used in 2 different places about 3 hours apart on same day, mine being used in stores to make purchases, the other to withdraw XXXX dollars. Impossible, and told them to look at the cameras, as those 3 charges were not mine, see who it was as it was not me. I have called several times, the bank, unemployment, both sides blame the other, In the meantime, the money I had left in my account is said in a letter not being paid back to me and my account is closed. I received a new card, that is unusable and it seems an account that is supposed to be covered by FDIC insurance is being pocketed by the bank, and not paid to me. Why as a consumer am I having to go through this. This is my ONLY income, and now I am not able to pay my rent, This is a hardship, fo me and my family. I have seen I am not the only customer who was forced to receive their money this way, and not the only person who is hurting financially because of unfair practices! 
On XX/XX/XXXX my account had XXXX dollars withdrawn, and on XX/XX/XXXX, and XX/XX/XXXX my account had 2 withdraws of XXXX dollars each. in 3 different XXXX XXXX  locations.The only result to my action of reporting the theft was to be told, to talk to unemployment and the police. I did both, but it seems no matter what I did on my side to try to work with Bank of America was to get closed out of my own money. In a final attempt to get this fixed I was hung up on by Bank of America employee.

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 2021-02-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called in attempt to resolve issue with disputes that with a lender that were resolved. The agent in a 45 minute phone call ( name given was XXXX XXXX ) refused to expedite the matter by 1. Listening to the request, 2. Transferring to another agent or manager, 3. Refusing to disclose case or confirmation number, 4 ) purposely stonewalling any request or simple due process. 

The agent failed at all terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Sent a follow up letter to citi bank about my identity theft with their company on XXXX and still have not heard back from them.

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 2021-02-18 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Barclays Bank Delaware, XXXX XXXX/XXXX XXXX, and XXXX XXXX. The Account Opened is Barclays Bank Delaware Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WINNPOINTE CORPORATION
State: CA

Complaint narrative:
I was working with XXXX XXXX from Interactive Mortgage, XXXX : XXXX. They locked my rate and approved the mortgage. But they could not find a secondary buyer for my mortgage and after two months, they still did not close and would not provide the closing date. I have no confidence they will close the loan but my credit now shows two inquiries, making me hard to shop for a good interest rate with another lender now. In the meantime the interest rates have also increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  XX/XX/XXXX, Comenity Bank/XXXX XXXX, and XXXX XXXX. The Account Opened is XXXX XXXX XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Comenity XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: DISCOVER BANK
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  XXXX, XXXX XXXX/XXXX XXXX, and Discover Financial. The Account Opened is XXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I paid for a broker appraisal to have the PMI removed from the loan. It was removed in XX/XX/2020 but the PMI continues to be disbursed. My monthly payment hasn't gone down. It has gone up as the XXXX escrow analysis showed an equity shortage. Ive called at least five time and I cant get it straightened out. Thank you for your help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, This complaint has to do with ATM deposits I made with through Chase ATM 's. 
On XX/XX/2021 at XXXX I deposited {$600.00} dollars into a Chase ATM. I was given a receipt and told to call Chase regarding the deposit to be sure it was successfully made. 
On XX/XX/2021 at XXXX I made another deposit of {$600.00} dollars into a local Chase ATM, and was given the same prompt to call Chase. The same day, I tried to make another deposit at XXXX at another location, since I needed my funds to show in my checking account for inventory purchases for XXXX XXXX XXXX. 

I called Chase and was told my money would show in my account, and for one of the deposits I made it did. However, for the other deposit I was given a temporary credit, and the last deposit I made a claim was never made until I called back to figure out where my money was after two days. Even then, I was hung up on more then once, and was told a claim was never filed, then it was, then there was system errors. Finally I was able to talk to a supervisor who told me he just helped a lady with this issue and that it can happen more then frequently and assured me it had nothing to do with my debit card. After all my encounters with Chase, this man was very nice, and instructed me I had to call the branch where the money was deposited. Upon doing so, the branch would not assist me and neither would the Claims Department when I called back. Which is very unfortunate because of this, I missed the opportunity to have a cash outlay of more then {$20000.00} selling merchandise for XXXX XXXX XXXX. 

Because of this, I've stopped placing as much funds into my Chase account and when I do make deposits I record the transaction on phone so if a dispute arises I'll have video evidence.

Company response to consumer: Closed with monetary relief