vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 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: TX

Complaint narrative:
XX/XX/2021, I called BBVA Customer Service to request a new Debit Card. I was advised that I would receive it ... ASAP. I again call BBVA customer service in or around XX/XX/XXXX to inquire about my debit card. I was asked to visit my local branch, which I did to request ANOTHER card. XX/XX/2021 I again call BBVA to find out the status of my card and I was told to visit the local branch AGAIN to request the card. I called the local branch, and I was advised that NO ONE, WENT ON XX/XX/2021 TO REQUEST a card. I will start acquiring late fees because of BBVA failure to provide me the means to pay my bills, which all of them are ONLINE and only can be done thru debit/credit card. Last thing I was told by customer service locally was that they apologize again for the inconvenience and that they will not assist me to find a quick remedy to my problem, which is one that they created in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AmerAssist A/R Solutions, Inc.
State: MI

Complaint narrative:
AMERASSIST AR SOLUTIONS has failed to provide me with debt validation after numerous requests. Furthermore, they are in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) -- which states debt collectors can not use offensive language while they are communicating and trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: Porania, LLC
State: NJ

Complaint narrative:
i want to removed these accounts : 1. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I OPEN MY ACCOINT YEAR XXXX JOINT ACCOUNT WITH FAMILY MEMER XXXX AROUND XX/XX/XXXX OR A LTTLE EARLIER MY ACCOUNT WAS FROZEN AND THEN I WAS TOLD IT WAS GOING TO BE CLOSED! FIIVE MINTUES LATER AFER CALLING TO FIND OUT WHAT WAS GOING NO AFTER I ALERTING USAA BANKING OUR COMPUTER HAD A VIRSE AND HAD BEEN HIGHJACKED. AND PROVSAL CREDIT FROM USSA ON A DISPUT OF {$450.00} AND {$170.00} WTH XXXX XXXX GOT REVERSE LEFT MY ACCOUNT IN NEGATIVE STATUS AFER DOING RESERARCH I CLEARED THE NEGATIVE ACCOUNT AFTER THAT SOME IDENTITY SOMETHING HAPPEN NOT SURE HOWEVER I LEARNED MY ACCOUNT WAS {$1500.00} DOLLARS NEGATIVE XX/XX/XXXX XXXX A PURE MISTAKE OF A DUPLIC EDD UNEMPLOYMENT CHECK BY MISTAKE I STILL HOLD THE CHECK THAT SHOULD HAVE GOTTEN DEPOSIT. BUT DUE TO RACIAL PROFILING AND I BELIEVE I DID NOT RECEIVE THE SAME CURTOIUS A XXXX XXXX PERSON WOULD HAVE THEN I WAS NOT ABLE TO DEPOSIT THE RIGHT CHECK IN TO THE ACCOUNT THEN THIS CASE TURN INTO IDENTITY FRAUD. BUT BEEN WITH THEM FOR 4YRS NOT BEING ABLE TO HAVE ACCESS TO ACCOUNT LEAVES US IN A VULNERABLE SITUATION OF NOT KNOWING WHATS ACTUALLY GOING ON WITH MY ASSESTS AND NOR CAN I PAY NEED NECESSARY BILLS FOR MEANS OF LIVING THANK YOU HIGHY RESPECTABLE VETERAN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX I received a message from Wells Fargo asking about some charges on my account. I followed a link. They called and unfortunately I logged into my account. Supposedly they took off the charges. Shortly I received an email from Wells Fargo stating I had sent 2 wire transfers. I called to report that I had not sent the transfers. My account showed {$14000.00} taken from my Visa signature card and {$12000.00} removed from my savings. The money was wired to another account. The fraud specialist said they would stop the transfer, not to worry. Today, Wells Fargo denied my claim stating that I or someone I authorized had performed the transaction and they would not reimburse my funds

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There were several unauthorized inquires on my XXXX credit report which I did not authorize or give the contest to. Therefore, I would like these fraudulent inquires to be removed immediately. It is causing harm to my overall credit profile. The following inquiries need to be removed : 1. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a natural person and the original creditor. On XX/XX/XXXX myself and a co applicant extended our credit to WELLS FARGO DEALER SERVICES to obtain a vehicle for personal use. The Co-applicant and myself used our accepted credit card in this consumer credit transaction where our credit cards gave a security interest in the vehicle which secured all payments. This debt is alleged. I refuse this debt. It has come to our attention that the retail installment sales contract is not backed by the truth in lending act. On XX/XX/XXXX, WELLS FARGO DEALER SERVICES included our {$500.00} down payment in our finance charge, when pursuant to 15 USC 1605, the finance charge should not include charges of a type payable in a comparable cash transaction. Also, myself and the co-applicant are listed as borrowers. The truth in lending act does not define what a borrower is and pursuant to 15 USC 1602 the term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. We are the original creditors because we initiated the transaction extending out credit. The retail installment sales contract also states that we agree to purchase the vehicle on credit. But our cash payments are included in the finance charge. Take further notice that on XX/XX/XXXX our right to rescind ( 15 USC 1635 ) was not explained to us clearly and conspicuously, nor were we given the proper forms to exercise this right. Several of our consumer rights were violated due to fraud and negligence by WELLS FARGO DEALER SERVICES. We have send a cease and desist warning notice to WELLS FARGO DEALER SERVICES through certified post office mail and they received the letter on XX/XX/XXXX. There has been no response from WELLS FARGO DEALER SERVICES acknowledging our notice.

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 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: CA

Complaint narrative:
Dont know anything about this debt or we never put our selfs in this debt. We believe you got the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: PA

Complaint narrative:
I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, property addrress is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The first mortgage is with XXXX  XXXX XXXX, the second mortgage is with Mr. Cooper, Loan number, XXXX, I entered into forebearance in midXXXX XXXX with Mr. Cooper and the forebearace ends XX/XX/XXXX. Since XX/XX/XXXX, I have tried many times calling and speaking with different Mr. Cooper reps regarding options, extending the forebearance to no avail. Mr Cooper states that the private investor is not bound by CFPB rules and the private investor is notwilling to extend or modify the second mortfgage. My last payment was XX/XX/XXXX for the regular amount of XXXX but that amount was put into a suspense account because the ballon payment was due XX/XX/XXXX total amount due is XXXX. I have contacted Mr. Cooper two or three times a month trying to get a solution but Mr. Cooper is unwilling to modify the loan and or extend forebearance. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Last Month XX/XX/XXXX I was made aware for the first time that I was enrolled in a Citibank Debt Protection XXXX XXXX. I called and was horrified to learn that for over 20 years I have been paying for an insurance add on that I never enrolled in. The total amount of the fees from XXXX to today was {$14000.00}. I do not have the total from XX/XX/XXXX to XXXX but can only assume that is well into the thousands as well. I have called Citibank and all their affiliate ( XXXX  - better known as XXXX XXXX XXXX ) about these charges and each one keeps telling me I need to contact the other. I want a complete refund starting from XX/XX/XXXX to XX/XX/XXXX for all the fees I paid. Looks like Citibank was fined and paid out XXXX XXXX to customers. I was not one of those customers. I feel physically ill learning I was deceived and frauded for over 20 years. Please help me address this matter and begin to have trust again in the American Banking institutions. Thank 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 explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I was having {$380.00} a month taken out of my checking account by XXXX for a Kia loan. My last payment was for {$250.00} in XX/XX/2021. Kia took out {$380.00} but did not credit me with the {$120.00}. I thought I had stopped autopay so I had made a request of {$250.00} to go to Kia as the final payment. I did not realize I had not stopped the automatic payments. So with the {$120.00} that I should have been refunded and the {$250.00} payment I made through autopay, which I thought was the payoff, that adds up to {$380.00}. I called 3 different times and talked to XXXX, XXXX and XXXX. They all said I was wrong, nothing was owed me. My attorney sent a letter in XXXX requesting a refund. I called the week of the XXXX XXXX to Consumer Service to see why I have not heard from them. I was told Kia 's legal dept. had the letter and they would only correspond with my attorney.

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 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Associates of Maui, LTD
State: HI

Complaint narrative:
Dear Sir/ Madam I and my partner rented a small shop from a management company called, XXXX XXXX XXXX a realty company in XXXX XXXX we had hardship in running the business and made up to a decision to close the company after 1 year. we settled down with Mr.XXXX  XXXX in XX/XX/2019, he verbally told us not to worry about the rent, and now we see they have given it to a collection agency after 2 years, called Credit Associated of Hawaii, located XXXX XXXX XXXX XXXX HI XXXX. We have been getting calls from them and they have reported to the credit bureau, in this pandemic we are trying to keep up life normal, we are ready to finalize with them as well and offered them {$4000.00}, they are asking $ XXXXWe are requesting your agency to help on this matter. 

Sincerely XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

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 2021-09-27 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: PA

Complaint narrative:
I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2021-09-27 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax continue to violate the FCRA requirements by continuing to report inaccurate address on my credit file. I have never live at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Mass. XXXX. I have provided proof documentation directly from my Massachusetts XXXX XXXX license clearly showing my home address that I have lived at for the pass 25 years. Equifax remove this inaccurate address from my credit report and reinstated without proper notification to me per the FRCA. This is a violation of the FCRA requirements. 

Equifax remove or delete this inaccurate address from my credit file immediately. Please send me a full and complete copy of my credit report showing this inaccurate information removed. I am once again providing proof documentation of my home physical address. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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