vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Over the last several months I've been trying to link my PNC debit card with XXXX so I can participate in their roundups program, but have been unsuccessful. I used to be able to link my card with my XXXX account, but for some reason XXXX is telling me you/PNC are no longer willing to allow this. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: Westlake Services, LLC
State: GA

Complaint narrative:
I have never applied for credit with Westlake. Someone at the XXXX XXXX store stole my identity and processed a application for credit without my consent. I have never done business with XXXX XXXX nor did I apply for credit on XXXX. In accordance with the law Westlake has a legal obligation to remove this once they were notified that this transaction was fraud. You have copy of the police report verifying that my identity was stolen. Moving forward I am giving Westlake 7 days to remove all inquiries from my credit report or I will file a lawsuit against Westlake. Once you were notified that my credit was being used without my permission you had a legal obligation to remove it. Remove it now or I will see you in court.Your company is violation FCRA and I will not stop until this is handled correctly.

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 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: FL

Complaint narrative:
I received an alert on my credit report about an alleged debt with a company that I have never had any interaction, contact ot transaction with. 

The collection agency is TEK COLLECT INC. Reported on XX/XX/2020 Original lender is listed as : XXXX XXXX XXXX XXXX XXXX No other information is listed. 

I was mever contacted, and never received any information regarding any debt, and I do not reconginze the original lender and I do not have any affiliation with that entity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX - I've signed up for XXXX XXXX Newsletter ( recurring charge of {$550.00} per 3 months ) with my card ( acc ending with XXXX ) In following year made 4 payments to XXXX XX/XX/XXXX - received year free subscription due to poor service from the newsletter XX/XX/XXXX - cancelled my subscription XX/XX/XXXX - called CITI to close this account ( concern about being charged again despite cancellation ), CITI associate advised that no need to close the account - changing card number will be enough. 
XX/XX/XXXX - received new card ending XXXX XX/XX/XXXX - new charge of {$550.00} from XXXX to new account ending XXXX which I've never given out to the newsletter Immediately opened dispute - initially charged was reversed and acc changed again to XXXX XX/XX/XXXX CITI put back the charge back on and started charging me interest. 
I've made many attempts to resolve this and was assured the dispute is still opened and will be resolved - so far no luck. 
I think I've done all I could to prevent this outcome and this a negligence on CITI part - I shouldn't be the one paying for someone else 's mistakes.

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 2020-06-26 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: GA

Complaint narrative:
I have never applied for credit with XXXX. Someone at the XXXX XXXX store stole my identity and processed a application for credit without my consent. I have never done business with XXXX XXXX nor did I apply for credit on XXXX. In accordance with the law XXXX has a legal obligation to remove this once they were notified that this transaction was fraud. You have copy of the police report verifying that my identity was stolen. Moving forward I am giving XXXX 7 days to remove all inquiries from my credit report or I will file a lawsuit against XXXX. Once you were notified that my credit was being used without my permission you had a legal obligation to remove it. Remove it now or I will see you in court.Your company is violation FCRA and I will not stop until this is handled correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I've asked Navient/ XXXX to stop contacting my employer directly and they have so far refused to do so. Our HR manager received a fax today from Navient/ XXXX  and it was a request for employment verification. This is ridiculous at this point and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: SC

Complaint narrative:
Repeated phone calls. They say they don't know why there calling me but can't make the computer stop. My ex wife owes there prime customer XXXX  XXXX XXXX at least $ XXXX. We have been divorced for nineteen years. I have never had an account with XXXX I have never acknowledged this debt. It is not mine.

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 2020-06-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: OH

Complaint narrative:
Like many parents in the school district, I pre-paid for a trip that was canceled due to the Covid 19 pandemic. The credit card company is Elan Financial XXXX XXXX XXXX. ND XXXX. The merchant was XXXX XXXX XXXX. We contacted the merchant, and although they provided no service at all, they want to give us a 80 % refund of the money. contacted the credit card issuer ( Elan Financial. Part of US Bank ). and they sided with the merchant. Their lame excuse was that the merchant did not cancel the trip. The Governor of Ohio and the School Board did ( for the pandemic ). I am working on ending all my financial relations with Elan financial and taking the merchant to small claims court..

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 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 my card was declined for a transaction so I contacted cash app via email my card was also disabled I didnt change it to disabled. I tried to enable my cash app card because It was disabled Im figuring because I had entered the wrong pin. I email cash app they responded back a few days later XX/XX/XXXX gave me instructions about how to enable it but no more contact after. My issues is I never received my unemployment payment and my unemployment was linked to my cash app account. Still no word from cash app as of yet! Todays date is Friday XXXX XXXX. The amount of unemployment was {$1100.00} on the unemployment website it shows it was released to my cash app acct but it never went in to my account. No transaction history. I closed my account I dont know what to do. On top of that unemployment phone lines are ridiculously busy. Im just stuck. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Repeated phone calls. They say they don't know why there calling me but can't make the computer stop. My ex wife owes there prime customer Bank of America at least $ XXXX. We have been divorced for nineteen years. I have never had an account with BOA. I have never acknowledged this debt. It is not mine.

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 2020-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
a ) My credit application for MB Financial was for {$72000.00} to buy this car but at the end of the contract they added lot of fees and charges and brought the final loan amount to {$87000.00}. 

b ) The finance manager talked about his vacation and all kinds of things when I signed the contract on a little XXXX where I could not read. I need reading glasses to read such small fonts and I requested for a reading glass but they said they do not have it. 

c ) Once I got home and read the paperwork To my surprise the total loan amount is more then 20 % of what I had originally requested with MB Financial to buy the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XXXX of XXXX I went to a car dealership ( XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ) to get a used vehicle. After looking at a few different vehicles I choose one and proceeded to work out the details of the loan. I was asked repeatedly to provide someone that could be a co-signer ( for income purposes is what I was told ) and I stated multiple times that I did not have one. After being told that it would be impossible for me to get a car I called my friend to see if he would be a co-signer for me since no one else would. He agreed to become a co-signer and we filled out the paperwork to get the deal done. The loan was unfavorable the interest rate was over 22 % and my monthly car payment was {$450.00} on a used XXXX XXXX XXXX, but I agreed to the deal because I really needed a car since my previous vehicle was totaled a few days earlier. Upon reviewing the account when it was time for me to make my first payment I noticed that my friend was the main borrower and I was listed as the co-borrower which I called the company Santander Consumer USA and asked about it since my friend didn't have a driver 's license at the time and still doesn't have one. I was told that's not an issue and I asked for the loan to be reversed or cancelled because I felt that was illegal and I had no problem returning the vehicle to them. About a year goes by and I'm struggling to make the payments and they keep calling me to make a payment which I tell them I will no longer be making payments because I'm upset with the treatment and fill the loan was done fraudulently. I took a look at the account and also every single payment that I made went to the interest and I was even charged interest after the car was repossessed. Overall it was a bad experience I was lied to by the dealership and the loan company and it has hindered me from being able to get a decent car loan or any form of credit since then. I feel Santander Consumer Auto preys on people that are in a bad situation financially or credit wise and takes advantage of them through the dealerships since they could just repo the cars within a year of the loan and resale them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I have a supreme checking account with nycb which I have had for a long time. The account receives a high interest rate, which has been the case since inception. Recently I noticed that I was only receiving .5 % interest when it is usually 1.5 %. When I called and spoke to a rep they told me that it was due to covid. I was never notified of the switch. This is an unfair practice. Ni keep a lot of money in this checking account and if I was notified when the switch occurred, I would have moved the money. This is an unfair practice ( UDAAP ) as my account opening disclosures state a higher rate of interest. I plan on filing a lawsuit if the Bank does not switch my interest rate back, and back paying me for the interest owed ( from when they lower my rate to when its fixed ). I spoke to others that have this account and they are facing the same issue as I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX  closed my credit card account ending on XX/XX/2019 with a balance of {$420.00}. I made monthly payments towards the final balance of $ XXXX/mo. The company then sold the debt to Resurgent Capital now with double the actual amount I owed at the time of forced closure of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NJ

Complaint narrative:
This is the 3rd collection agency XXXX has sent this account to for collections. XXXX claims I owe them {$920.00} and I do not. I had an account with XXXX for many years, always paid my bill. When I decided to switch carriers, XXXX tried to convince me to stay. I told them No,  because I had too many problems with XXXX. Since my lease of the devices was up with them, I was told they would send me packaging to send the devices back and my account would be fully closed. I waited and called numerous times, over a 5 month period, before they finally sent me their packing to send the devices back. After several months, they claimed they never received the devices. Fortunately, I videoed myself mailing the devices back. I also provided them with the tracking information confirming they had received the devices. They originally said I owed them {$1700.00} and then said I owed them {$900.00}. I am not paying them anything. This attempt to collect money from me is a result of them being angry that I terminated service with them. Perhaps they are sending this to different collection agencies thinking they will get a different response. I am not paying them another dime. Sending this to different agencies continues to have a profound impact on my credit and I'm tired of it. Please tell me what I can do to finally get rid of XXXX. I dont owe them and I am not paying them a dime. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
We settled a debt. The company gave us a letter to get it off our credit report and considered settled WITH a control number to do so. Experian keeps leaving it on. My credit will go up 23 points with this reported the right way! XXXX XXXX, which is XXXX and XXXX fixed theirs immediately. For some reason Experian will not remove and up my score!

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 2020-06-26 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: GA

Complaint narrative:
SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been asking for a lower rate and they keep saying we review every 6 mo. Well its been more than that and I still cant get them to lower my rate. I have been a customer since XXXX. My owed amount is very near my limit and the high interest rate is making it impossible to pay anything towards the amount owes. All the payment does is cover the interest.

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 2020-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I had co signed on this vehicle with my ex spouse. He was 11 payments delinquent and the vehicle was repossessed, however redeemed. On the original contract I signed it, however I was not a part of the new agreement nor did I agree with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: MI

Complaint narrative:
My name is XXXX XXXX and I keep keeping a XXXX collections put back on my credit in the name of XXXX XXXX. I keep having it removed and it is placed back on my credit without my consent. XXXX XXXX XXXX is currently reporting it to Equifax for {$1200.00} even after I have won my dispute. I have contacted XXXX twice to resolve the name issue and XXXX XXXX  once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy cash is reporting completely erroneous information. Account was paid off several years ago. Now they are stating I OPENED ANOTHER ACCOUNT IN XXXX OF THIS YEAR WHICH IS COMPLETELY WRONG. I DID NOT OPEN ANYTHING FROM THEM THIS YEAR. 
They are reporting false information. I believe the amount is around XXXX XXXX. As a new account. This is false!!!! Its.with a collection dept. They have called and said someone opened it online at a bank I DO NOT USE. This is all false!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: IN

Complaint narrative:
To whom it may concern, I started XXXX  college XXXX of 2016. We were to move to Tennessee and i was was enrolled at XXXX XXXX college at the time and just about through my program for my certificate. XXXX wouldnt except my credits from XXXX XXXX and i felt extremely pressured to sign up the day i visited. We ended up not moving there so i asked if i could do online coarses. That turned into a big mess. I was paying for classes for brick and mortor and getting in trouble for not going to class for 2 semesters. I just dropped out. But the student loan is outrageous for 2 semesters plus XXXX XXXX. When i attended XXXX XXXX they had my fafsa so XXXX  up it took a long time to get my student loans federal and private. I had to sign i.o.u 's. 
Im afraid to go back to college because if my fafsa was put in so many times, brcause they input my ssn wrong i have only it has to be put perfectly or no fafsa ever again. 
Its taken me this long to find you to file a complaint, because every lawyer or financial ( college ) didnt know of any place that you could. 
Thank you XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I believe I paid the safe deposit box amount of XXXX $ cash to the Bank of America on the day I rented the safe deposit box in XX/XX/XXXX. In XX/XX/XXXX, I received a letter from BOA to inform me that I owe it XXXX dollars for safe deposit box and XXXX dollars for late fee. 
I believe I paid the safe deposit box, because based on my past experience with BOA, BOA would charge me safe deposit box before giving me the key to the safe deposit box. Second, I had cash the day I opened the deposit box, there is no way, I wouldn't pay the XXXX $ for renting a safe deposit box. 
Third, If I didn't pay the safe deposit box, why the BOA only mail me the payment 8 months later? instead let me know that owe its safe deposit money in the last year?

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