vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXXand XX/XX/XXXX ; assessed cash advance fee for non-ash advance ; issuer unwilling or unable to correct ; must pay before otherwise de to avoid incurring additional costs of time and money ; loss of grace period ; issuers manager blames subordinate associates ; repeatedly disconnected after spending more than 2hrs on the phone with multiple transfers among associates ; Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Capital Link Management, LLC
State: UT

Complaint narrative:
I was contacted at XXXX to theXX/XX/2020, I did not answer because I get a lot of spam calls, in the voicemail a Mr. XXXX XXXX from Capital Link Management company, a third party debt collector. First off I feel that the information he included in the voicemail was inappropriate, my first and last name, city , county, state, full birth date, and last 4 of my ssn. My first point is until today they didn't have confirmation that the phone number they called me on was mine or that I was the only one with access to it, secondly if I had changed my number than another individual would have enough information to steal my identity. when I called him back he informed me that I was being sued by their client XXXX XXXX XXXX and that a judgement in mediation had already been made on my case. I owed {$410.00} but could settle today for {$280.00}. He was supposed to email me for an electronic signature, which I have yet to receive, also the agreed amount of {$280.00} could only be paid in full, there wasn't any mention of a service fee on the payment, which came out to {$14.00}. The account number for this is XXXX and the confirmation number for the settlement is XXXX. 
In the end I feel that they have abused both my personal information and proper tactics on debt collection practices. 
Thank you XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
A credit inquiry showed up on my credit report from XXXX. I did not authorized this and would like this removed from my report. I am not able to in contact with company due to corona virus, but would like to get this resolved as I hope it does not involve identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 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: GreenSky, LLC
State: CA

Complaint narrative:
I have filed a complaint with XXXX  and it has been well over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello, In XX/XX/XXXXI filed chapter XXXX b.k. with my spouse. My primary home loan and house was with XXXX XXXX XXXX. From XX/XX/XXXXforward XXXX did not report any activity on my account. In XX/XX/XXXX XXXX sold my mortgage to another lender. When that happened I was getting flashes from XXXX XXXX, XXXX XXXX, and other credit agencies that I had a fresh new bankruptcy. The only b.k. I had was inXX/XX/XXXX. I went into the branch of XXXX here in XXXX. The manager had me talk with the mortgage department via telephone. The person on the other end stated they marked my account twice. Once as closing it. Once as stating it was part of a bankruptcy. XXXX refused to change their two remarks regarding the sale of the mortgage. I complained to Trans Union via a letter and never heard back from them. It has been close to 60 days since that written complaint. It seems as though assets and accounts in bk are to be reported once. As part of the bk. Not as a fresh bk which drove my credit score down by over 30 points on Trans Union. It is false information which no one will take responsibility for. I would appreciate any help you can provide. 
Thanks, 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 2020-04-29 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: NY

Complaint narrative:
I contacted XXXX XXXX to obtain a mortgage refinance loan on XX/XX/XXXX. I signed an authorization for them to check my credit for that purpose. Based on my credit, the bank offered me a very low interest rate in its initial Loan Estimate. However, after processing my loan they came out with an interest rate that was 2 percentage points higher than the initial rate they had offered me. I declined the loan at that point and told them I was not interested in continuing the refinance. However, the bank went ahead to check my credit two more times without further permission from me. I even complained to them after the second check and ask them not to check my credit again since I was not going to continue with them but they still did a third check on my credit. The additional inquiries greatly affected my credit score such that my credit fell precipitously. This is preventing me from getting approved for credit I would otherwise have been approved for. 

I have contacted XXXX  and XXXX  to dispute the additional inquiries of XX/XX/XXXX and XX/XX/XXXX but they referred me to XXXX XXXX. The Bank is not responding to me. 

I need XXXX XXXX to request removal of the additional inquiries from 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 2020-04-29 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: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1000.00} XXXX XXXX  XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX  XXXX {$0.00}

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 2020-04-29 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: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1000.00} UNIVERSITY  XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I'm trying to link my bank account and to XXXX and they are not allowing me to connect. I've had XXXX previously link the the bank account and now it's not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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 get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I have been waiting on a card from Way2Go for 30 plus days. 15 days ago I waited on hold on their only avenue to contact them. They said they corrected the issue and a card would be to me no later than 10 days. For the last 5 Days, I've been on hold with the XXXX number and can't get through. Each day I've waited from 3 to 6 hours on hold. I finally give up between 3 to 6 hours. Currently today, on hold while writing this complaint for 2 hours. 

Todays date is XX/XX/2020. As of last week of XXXX, I've had XXXX paycheck but {$1000.00} 's of dollars are loaded on my way2go card with zero way of accessing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: WA

Complaint narrative:
I believe on XX/XX/2020, I attempted to use my Unemployment Insurance Debit Card ( that I've been in possession of since XXXX ), to purchase grocery items, but for some strange reason, it would not accept my PIN ( that I'd been using for a while now ), and Locked me out of the account due to Excessive PIN Attempts. The only contact method to reach the Financial Institution is via telephone. Since XX/XX/2020, I've spent hours on hold, including attempts to call during the XXXX timeslots to see if contact is improved, but no contact. I do realize that current conditions pose a tremendous problems with this customer service type of an issue, but this Debit Card is the only financial resource that my family and I have. I've suffered some Septic issues and the County is threatening to place a Lien on our property unless we resolve the issue. Some of the funds that's currently available the Debit account was earmarked to help resolve the septic issue. My family and I are terrified by the inability of accessing these funds for our survival! Until I can gain access to this account and reset the PIN, each of my weekly unemployment benefits will continue to accrue on this Debit account without my access. Again, I do realize how busy some companies are, in this field, but my concern is how do my family and I survive without having access to this financial resource? I simply need help to regain access to what's mine, but have been unable to speak with any live person for assistance, including the fact that the bank 's Chat service is unavailable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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 decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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 decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/2020 a person going by the name of XXXX XXXX posted pictures of puppies on a XXXX group that I am a member of. She claimed to have three XXXX puppies for sell. I messaged her that morning at XXXX requesting information about the puppies. She was asking {$500.00} each for the puppies. She claimed to be in XXXX, TX. She said I would have to put {$200.00} down to hold the puppy for me. She asked me to categorize the payment made under friends and family to avoid her having to pay the fee to receive the money, I would be the one to pay it. I agreed and send the money. We were supposed to meet the following Tuesday for me to pay the remaining {$300.00} and to receive the puppy from her. She have me the email address XXXX for the PayPal account. On XX/XX/XXXX when I text her letting her know I was about to be on my way to meet her she did not respond. She then blocked me from being about to message her. I contacted the administrators of the XXXX page. They were unable to contact her. That same day, I filed a complaint with PayPal to stop the payment. The administrator of the page let me know that other people in that group were also scammed in the same way with the same post.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CO

Complaint narrative:
I am attempting to purchase a house and my credit report was ran by credit company. When report was ran I had a collection account that was paid in full and still showing on my credit report and has not been removed. The amount is {$600.00} from XXXX XXXX. I have contacted them and they are showing me that there is a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: GA

Complaint narrative:
Explain to me why I keep fighting this same fraudulent account that has been proven to be fraudulent that EXPERIAN has repeatedly deleted yet it keeps finding its way back onto my report and dropping my SCORE!!!!!!! why is this even an issue at this point ... I think this is definitely cause for a law suit!!! XXXX XXXX SHOULD BE REMOVED FOR GOOD, I WANT MY SCORE BACK TO WHERE IT SHOULD BE AND EXPLAIN TO ME WHY EXPERIAN IS even INVESTIGATING THE SAME XXXX ACCOUNT!! 

XXXX XXXX ACCT # XXXX needs to be removed immediately without investigation ... 

I am attaching all supporting documentation ....

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 2020-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: MA

Complaint narrative:
Hello, I have a collections account under my experian report from Tek Collect trying to collect a debt for XXXX XXXX but I do not owe them anything. I called to confirm and they couldn't identify any ties between my account and Tek Collect. When i called and told Tek Collect this, they couldn't assist me in anyway but to get me to settle for a cheaper amount on the spot. They said I have to take it up with my dentist but then the dentist told me to just contact the CFPB to get it resolved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have inclosed a letter explaining our long drawn out frustrations with Wells Fargo. 
I am submitting Documents and receipts showing our cost of what it took us to complete our process on removing PMI on our mortgage. Before COVID-19 and up until now I have made numerous calls to Wells Fargo Representatives whom claim they are here for us through letters they send us. Every time I call and leave V.M. 's I have yet to recieve a call back. No response. One of the representatives ( XXXX XXXX XXXX ) called and said she could not help us and we need to go through someone else. XXXX was very nice, she just was not there for us as stated that she would be in letter she sent us. Wells Fargo has continued to lie to us and misrepresent us. No one at Wells Fargo wants to take responsibility.

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 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received a letter dated XX/XX/2020 from Citi indicating they decided to close my account. No reason was provided other than a " review '' of my account. I have had this account for about a decade and have used this account to direct deposit a portion of my paycheck every two weeks. So, the company has followed me for a number of years and knows my addresses and employers. I am not a new customer ... I have a long history with Citi including my employers. I was provided Reference number XXXX. I immediately sent a letter to Citi ( and have since sent three more letters ) asking for a reason for the closure but they have not replied. The letters were addressed to the mailing address at the top of the XX/XX/2020 letter as well as a XXXX XXXX customer service address. The timing of this closure is particularly problematic -- the heart of a global pandemic. My company 's HR department is working from home so it was difficult to redirect my direct deposit. Given my long-standing relationship with Citi ( over 25 years with credit cards and checking/savings accounts ), I am shocked they closed these accounts with no reason provided.

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 2020-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My Collateral Loan on date XX/XX/2017 was mismanaged by NFCU. My attached letter and attachments 1-7 will provide the necessary details of my compliant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX my account showed that there was a transaction amount of {$700.00} at a Gas station in XXXX, the name is cared as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ''. We initially tried to make a purchase at this place, the card was declined twice initially and we left the merchant without any goods or service. Later an amount of {$700.00} surfaced on my account. No such transaction was made with that amount. I didn't even get the email alert that this amount was charged to my account. I called CapitalOne multiple times to resolve the issue and gave the signed letter explaining the events. The transaction was rebilled twice to my account and CapitalOne failed to explain why it was rebilled. Every time I call them, they're reopening the case as new. Please help me with this I've attached the statements from CapitalOne. The first statement was generated on XXXX the amount of {$700.00} was charged. After filing the dispute the amount was removed, this is reflected in XXXX - XXXX statement. The amount was rebilled back to me on XXXX. 

Also, I've attached the documents that I sent to CapitalOne explaining my account of events

Company response to consumer: Closed with explanation