vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/2021 at about XXXX am, I used a PNC ATM to deposit {$700.00} cash into my XXXX checking account ( using my XXXX debit card ). I put my debit card in ATM, put in my XXXX pin #, selected deposit to primary checking account, then inserted 7 {$100.00} bills in the deposit slot. 
The machine spit out my debit card, but kept the cash I put in. I immediately contacted XXXX and they told me PNC had to fix the problem. I then went to the PNC branch where the ATM was located. They told me XXXX had to fix the problem since it was a XXXX card used. Every day since, I have spoken to several people at both banks and keep being sent from one back to the other. XXXX did file a dispute but immediately denied it saying they saw now evidence of me attempting a transaction. PNC refuses to file a dispute because it was a XXXX debit card transaction attempt. With neither bank willing to help me, I am out {$700.00} and likely will never see my money again! Its a PNC ATM ( pics attached ) but they say its a third party that services their ATMs. All it takes to resolve this issue is for one of the banks to do whats right and file the dispute so they can get the money in my account. PNC admitted they were having ATM problems for a few days, and the machine doesnt print receipts either ... which would have helped alot. This is alot of money to just watch it disappear. This has now put me in a financial burden thanks to 2 banks ( that im a customer of both ) not being willing to fix it! Honestly, this is pure theft but I dont know where to go for help. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MN

Complaint narrative:
I refinanced my home last year, XXXX XXXX. BSI Financial is the loan servicer for my home mortgage. In XXXX, I received a statement from my County indicating that all of the XXXX taxes were not paid and I owed a balance of {$1.00}. I called BSI and indicated that I have XXXX XXXX parcels and that only XXXX of the XXXX taxes was paid. I gave the individual the parcel # over the phone and was informed that I would not be assessed a penalty. In XXXX, I received an escrow analysis that shows BSI Financial paid my XXXX taxes of {$1900.00} in XXXX and again in XXXX. 

They also paid XXXX  taxes of {$1800.00} in XXXX and again in XXXX (?? ) and now they want to increase my escrow account from {$440.00} to {$780.00} a month. I have no clue what property they paid {$3600.00} from my escrow account. I have tried calling them and have left XXXX very detailed voice mail messages for XXXX XXXX, BSI at XXXX XXXX with no return response. BSI wants to increase my current monthly payment from $ XXXX to $ XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Can not get my credit unfrozen from Experion. They do not have any customer service available to ask questions and get help. It is all automated and will not let you get to talk to anyone. This is unfair to the consumer. We need to get answers about what is going on with our information.

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 2021-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I opened an Express Credit Card on XX/XX/2021 with COMENITY BANK and made a purchase. I received the purchase on the XXXX of XX/XX/2021. On XX/XX/XXXX I went online to register my account so when the first payment was due my account would be set up. I discover that there was a payment due on XX/XX/2021 but I had never received a statement to let me know this. I paid the card in full and messaged them that I did not receive a statement and please do not charge me a late fee and interest. I get a message back that no fees have been charged yet when the card closes out they charge me a late fee and interest. I message them again and ask them to REMOVE the LATE FEE and INTEREST. They remove the late fee and {$.00} of the {$7.00} in interest. I have been fighting this for months through messages, phone calls and sending dispute letters, Now that {$7.00} in interest from the first fee charges has turned into {$130.00} in FEES and INTEREST ONLY. I have paid for all my purchases in full and have never missed a legitimate payment. They just refuse to stop this FRAUD. Pure fraud by charging fees on top of fees that were never owed in the first place. I am at my wits end because they are going to continuing adding late fees and interest until {$7.00} turns into hundreds of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CT

Complaint narrative:
My account with Discover was locked out then after sending in ID and numerous follow up calls in re as well as attempts to reach a manager, was told account is closed. Since account is closed and access restricted, I do not know details of account activity such as bill payments, ACH payments, deposits, etc .... I request Discover send statement of final account activity as well as a check for remaining funds in account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting documentation ( XXXX XXXX ) I have submitted many documents and have given each respected company more than enough time to respond accordingly, There needs to be upheld justice, companies must follow the Law The FDCPA is clear on its laws and each company that is listed below have violated my reputation and I demand answers accordingly to each violation represented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: CO

Complaint narrative:
To whom it may concern, Keybank consistently miss-applied my payments during 2021 resulting in negative credit reporting. The company does not allow automatic payments. Monthly payments were approximately {$270.00}. In lieu of automatic payments I paid Keybank {$2000.00} in XXXX to cover payments through XXXX, and another {$1000.00} in XXXX to cover payments through XXXX. Unfortunately, Keybank mis-applied the payments, then reported a 30-day late in XXXX and a 60-day late in XXXX. This is resulting in negative credit for me and an inability to refinance my mortgage. 

Will you please help me however possible? The goal is to remove the 60-day late. 

Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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:
This credit reporting agency has been furnishing unverified information on my report causing me to experience denials of extension of credit. 
I have not verified or approved ANY of the information that is being displayed through their agency. I would consider that fraud!

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 2021-12-14 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: TX

Complaint narrative:
This credit reporting agency has been furnishing unverified information on my report causing me to experience denials of extension of credit. 
I have not verified or approved ANY of the information that is being displayed through their agency. I would consider that fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent Regional Acceptance Corporation a letter asking for validation of the debt that I allegedly owe. I received a response letter stating that they would not conduct an investigation because they feel the letter they received from me came from a credit repair agency or was prepared and given to me by a credit repair agency.

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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc
State: OH

Complaint narrative:
I have been trying to dispute two inquiries on my account. The first inquiry is by Credit Plus/XXXX  XXXX XXXX XXXX  on XX/XX/XXXX. The second one was made on XX/XX/XXXX, and it says only Credit Plus on the inquiry. These were made without my consent or knowledge. The company XXXX XXXX XXXX XXXX was contacted about my disputes, and they used text messages between me and the loan officer, XXXX XXXX as evidence that I consented to the credit pulls. I received a letter from Credit Plus on XX/XX/XXXX, stating my dispute was denied because of the text message evidence. This information is false because the last day I talked to him was XX/XX/XXXX. He messaged me several times throughout the year, and I didn't text back. My credit was pulled twice, and I did not talk to anyone from a mortgage company, nor did I go to a different mortgage company for a year and seven months. The only date I messaged XXXX back was XX/XX/XXXX. I have been wanting to work on my credit, but I haven't worried too much about it the last two years, this is why I didn't catch the inquiries right away. I made sure to text message XXXX XXXX from XXXX XXXX  XXXX on XXXX XXXX and said, " Do not pull my credit ever again. '' I also said, " The only credit pull I agreed to was on XXXX XXXX. '' XXXX XXXX agreed and said, " Yea that was the only time. We noticed you were getting back into things, what were you looking to get done? '' I told him I was not interested, and he continues on about how he has no idea what I am talking about. There was a mistake made somewhere both by XXXX and Credit Plus. They are refusing to acknowledge or look at my evidence. The dates of the text messages were overlooked and ignored. I have researched this company and they have done this to many people, and they act like it's a mistake if they do acknowledge they illegally pulled your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/2021. XXXX refunded {$73.00} into my checking account after I cancelled a carpert cleaner I ordered. 

XXXX ID # is XXXX, their authorization code number is XXXX. 

I checked my checking account with Wells Fargo. It's as though the transaction never took place. I'm checking my account and XXXX is not listed.

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 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
So I bought a product on my bank debit card money network in the amount of {$1200.00} the gentleman I bought it from stop responding after XX/XX/XXXX on a product I bought in XXXX. I put a dispute in to my bank account money net work. After waiting 90 days they refused to dispute the charge and told me it was a civil matter and when I ask to speak to a manager they left me on hold I called back and told be that its denied and there noting they can do. Horrible bank who will not help me on something I never received. My name XXXX XXXX phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: LA

Complaint narrative:
I have tried reaching out to this company on numbers occasions. and they do not respond back within the 30 days given, I have attached all paperwork. These items do not belong to me, I have always been insured with medical insurance and I have no knowable whatsoever on these items that are holding me back with having good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: IL

Complaint narrative:
My mortgage servicer " The Money Source '' processed a Covid-19 partial claim on my mortgage back in XXXX with my first payment after being due in XXXX As part of that partial claim, they were supposed to include my past due arrears along with any tax or escrow payments that had been made. This is per HUD guidelines for FHA backed mortgages for people who had issues over the past 18 months or so. 

However, they did not include a tax payment of approx $ XXXX that should've been made back in XXXX of this year. Instead they rolled that over and are now charging me an additional $ XXXX in escrow and had originally asked that it be paid back in 12 months. Due to that additional tax payment being included, my mortgage when from approx {$1800.00} per month to {$3600.00} a month. 

My mortgage was in a Covid-19 forbearance when The Money Source purchased it from my old servicer. In XXXX, I requested a Covid-19 partial claim adjustment so I could start to resume making monthly payments. In XXXX, my monthly payment amount was correct but it skyrocketed in XXXX after The Money Source rolled in the additional tax payment. 

When I called them and tried to get this addressed, they then tried to extend the time period to pay the $ XXXX to 24 months. That still increased my mortgage by over {$1000.00} a month because of the other changes to escrow as well. I have tried to get this resolved numerous times with no solution. Several times I've spoken with them, the reason it wasn't included in the partial claim has changed. 

At this point my mortgage is behind because they won't resolve the issue and follow the HUD guidelines that were laid out. I'd like assistance in getting this resolved so that my mortgage is more affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
Please refer to complaint # complaint # XXXX and complaint # XXXX for the whole history! 
The loan service company BSI Financial Services has an extra charge even after the date they canceled the escrow account!!! Why did you close complaint # XXXX again without confirming with the customer?! 
The BSI company approved the escrow account on XX/XX/2021, after I filed the first complaint # XXXX. And I have immediately asked them to remove the escrow account and refund me. And they promised to do so!! 
But they cheated again, then I have to file another complaint # XXXX!! Now they have an extra charge of escrow amount of XXXX. Please let them refund the extra charge immediately, AND make compensation due to the late refund and extra charge!!! 
BSI, DON'T DO EVIL ANYMORE!! The whole process is a nightmare for almost one year. I was hurt deeply psychologically. Do something right!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Santander Bank refutes to let me bank online because it repeatedly and adamantly demands that I give it a cellphone number! I have repeatedly stated to the branch manager, XXXX, New Jersey, that I do NOT have a cellphone and so do not have a cellphone number. I repeatedly stated that I have given the Santander Bank my land telephone number, my Social Security number, my driver 's license number, and my home address!

But still the Santander Bank is not at all satisfied and continues to demand what I do not have!

This is absurd and preposterous and XXXX and XXXX and lacking in all common sense and sound judgment!

In short, the Santander Bank for the reasons given is being totally and completely XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I've contacted American Express Serve on multiple occasions to have a new card mailed to me via expedited service and have not received any cards. I've taken proper measures to ensure thr delivery address was correct. The cards never show up, I continue receiving emails with tracking numbers that aren't able to be tracked. When I contact them they try not to have any recollection of what happened to the cards or the request. On one occasion I had to wait 10 business days to request a new one. The card request dates are XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. At this point I am concerned with the security of the accounts due to were the funds come from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
1. Spoke to Bank representative mid- XXXX, discussed end of forbearance options. 

2. Was explained the deferred option and was given the interest rates and payments. 
3. Was suggested to select deferred option but delay finalization until end of month to see if other changes or options may become available. 

4. Called back on or about XX/XX/2021 to get update on program, was told I was not eligible for deferred program. Called on Monday, XX/XX/XXXX, was on hold for 1 hour then disconnected, and called next day. 

5. Resumed automatic payments on XX/XX/2021, Payment were returned, received notice that I must make all forbearance payments. 

6. XX/XX/2021 received notice from my bank stating the XXXX payment was returned,

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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation