vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-11 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: FL

Complaint narrative:
Experian Report Number : XXXX Date Generated : XX/XX/XXXX I am a victim of the XXXX XXXX  breach. This event has placed me and my family into a debilitating financial hardship. I am not a person who uses my credit much to pay for things, I work hard and pay cash and that is something that I believe in. 
However, I recently went to a XXXX dealership and they shotgunned my credit to several banks and ended up asking me for {$15000.00} down. This amount upfront is crazy to me as down payment so after further investigation, I found accounts that were not opened by me. Here are the accounts that followed : XXXX XXXX XXXX   Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$490.00} Collection Opened : XX/XX/XXXX Collection Opened : XX/XX/XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$280.00} Inquiries : XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX These issues are hindering my financial future. Please investigate and assist me in removing this negative 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 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
Got a call from First Bank Card 's ( 1st National Bank of Omaha ) fraud department asking if one of my employees cards was trying to be used ... XXXX I went online and notice that mine and my employees cards had been shut off - I called the regular number on the card XXXX ... he said someone tried to use my card on XXXX ( not my employees that the other person called about-but mine ). This card has not been in circulation or had a purchase for almost 2 years. I asked him how ... he said must have been someone when I was walking around blah blah.. The card has been locked up in the house for 2 years ... I said they must have been hacked ... he said no.. it must have been gotten another way. Then he pulls up my employees card and his also had an XXXX attempted purchase.. this card has been inactive and locked up for 3 years. 
It's obvious someone has hacked into 1st National Bank of Omaha ... no other way they could have gotten both of the credit cards info and tried charging at the exact same place at the exact same time. 
They are trying to cover it up and I have no idea how much of my information is out there now. This is a problem that they will not fess up to.

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 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/XXXX at a KeyBank location in XXXX, Ohio, I attempted to withdraw a {$1100.00} money order from 1 of my 2 checking accounts with a teller. The account I tried to withdraw from had a recent SBA loan deposited. This loan I had recently applied for and was approved for since I own businesses. The teller saw this deposit as potential fraud needing verification according to how she said she was trained because she is a new employee so she called over a manager named XXXX. I asked them both if I could draw from my other account which had sufficient balance to cover the {$1100.00} money order and he said no. He proceeded to tell me my in front of other customers, staff and the other manager that my account " was fraud '', my account would be flagged due to the SBA fraud and he needed me to sit and wait while he verified this deposit. I sat and waiting while he and another manager named XXXX called someone regarding this. I do not know who he called. As I waited I asked XXXX why could I not get {$1100.00} since my accounts had more than enough to cover this and/or I could take it from the other checking and he said XXXX is handling this. I showed him the SBA loan approval in my phone and the screen went dark and he asked me to reload it and I did and he looked again but still did not help. After 15 minutes XXXX told me I could get the {$1100.00}. As the teller was withdrawing my money order he mentioned to me where both of my accounts were opened and said in front of her that my account may be closed after I leave due to fraud. XXXX accused me the entire time I was at the bank a being a criminal. He and XXXX did not allow me to withdraw from either account which is not proper protocol. XXXX had no reason to suspect a fraudulent transaction. I showed my ID, I have been a customer since XXXX. I believe he profiled and discriminated against me. I am young and XXXX. He also made an exerted effort to watch me walk out the back to see what car I was going to or who I was with. His behavior was over and beyond protocol. He can not determine by calling anyone if my SBA loan was fraudulent. In speaking to a KeyBank executive, she acknowledged that he was supposed to at least let me draw from the other checking account. I want to know who XXXX called and what was said about me. I also suggest the video be seen of this situation. I asked a few times while I was there why I could not draw money when my SBA loan was less than my account balance before it was even deposited. He blocked all my funds, not only the loan amount. He spoke to me as it was definitely fraud every time we communicated and I had corrected him to not say that in front of XXXX and the teller because it was a legit loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: Global Lending Services LLC
State: AZ

Complaint narrative:
I entered into a loan agreement in XXXX. I've had open and continued throughout 52 payments which double what the car was even worth and still have 14 payment {$420.00} per month left. I have proof that on or around XX/XX/XXXX, my leasing company Global lending services llc called me and told me that if I made 1 payment for my past due amount of {$35.00} they would push two payments back and that I would be current. I made the payment and they did not follow through on their end. Next call I received was the repo man. They made me believe that I was ok and I was able to focus on my other bills. I feel they failed to follow through on the new agreement they set. I already feel I've paid way too much for this car for them to cheat me and take it. I am a single mother of a XXXX   XXXX daughter in 116 degree weather. I can't afford for them to do this now they want {$2000.00}. They also messed up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
COMMENITY BANK AND VICTORIAS SECRET ARE THE WORST. THEY SOLD MY DEBT TO XXXX XXXX XXXX AND WHEN I CALLED XXXX TO PAY IN FULL FOR DELETION, THEY DID NOTHING! XXXX DELETED THEIR NAME FROM THE COLLECTION INSTEAD OF DELETED THE ACCOUNT IN FULL. AS PROMISED, LIKE I HAVE IN WRITING FROM THEM. THE ENTIRE COLLECTION FROM COMMENITY BANK WAS SUPPOSED TO BE REMOVED FROM MY CREDIT REPORT. COMPLETELY ERASED. INSTEAD, XXXX TOOK MY MONEY AND GAVE THE ACCOUNT BACK TO VICTORIAS SECRET/COMMENITY BANK. I HAVE BEEN TRYING TO FIGHT THIS FOR 2 YEARS NOW!!!!! THIS IS RIDICULOUS!! XXXX SAYS IT IS OUT OF THEIR HANDS NOW AND COMMENITY BANK/VICTORIAS SECRET SAYS THEY CANT DO ANYTHING AND THAT THEY DONT HAVE ANYONE I CAN TALK TO ABOUT IT! THIS WHOLE THING HAS BEEN A NIGHTMARE!!!!!!!!!!!! I HAVE CONTACTED XXXX, VICTORIAS SECRET CUSTOMER SERVICE, COMMENITY BANK, AND EVEN DISPUTED THIS XXXX   XXXX  ACCOUNT FOR 2 YEARS AND STILL ONGOING!!!! THEY REFUSE TO DELETE THIS COLLECTION EVEN THOUGH I HAVE A LETTER DIRECTLY FROM THE DEBT COLLECTOR STATING IT WOULD BE A SETTLED PAYMENT IN FULL FOR DELETION!!!!!!!!! REMOVE THIS COLLECTION NOW!!!!!!!!! -XXXX   XXXX XXXX , IL OR XXXX , IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: NJ

Complaint narrative:
PNC Bank does not work with XXXX  to link my bank account and use a service such as XXXX. I want to purchase Tires from XXXX and use XXXX to split the almost {$800.00} bill into 4 monthly payments, and take advantage of 0 % interest. I am unable to do so due to PNC Bank and XXXX 's current disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Hi, I have been recently notified about the fraud in reference to my account with Santander. I purchased a XXXX XXXX  with Santander through Roadloans. I was not asked to provide any type of check stubs or anything and was approved. All I had to do was take the paper work to a participating dealership and show them the approval and my driver 's license along with my {$400.00} down payment. I struggled making the payments on the car when I got the car. The car was repossessed and I was able to come up with the money and get the car back. I was able to keep the car for a few months before they came and repossessed the car for a second time. No one would work with me when I called to set arrangements on the payment. The car was repossessed the second and final time in XXXX around XXXX. Since then the account has remained opened as a charged off account the entire time and they have made updates to the account as late at XX/XX/XXXX. I have not had any access to the account for it to have any activity. I have not been notified of when the car was sold, who it was sold to or how much it was sold for. " Based on the investigation, the coalition alleges that Santander knew that certain segments of its population were predicted to have a high likelihood of defaulting based on sophisticated credit scoring models. Per the lawsuit that Santander is involved in, I believe that I am a victim. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights and risks of partial payments and loan extensions. '' Please look into this as it has caused a huge embarrassment to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I have contact cash app on XX/XX/XXXX about {$210.00} bitcoin I been scammed because I have never got my other and the seller will not respond back to my email I have ordered a prepaid gift card and never got it and I have contacted my bank and cash app and they both they tell me they can't help me or dispute the payment I am XXXX because I got scammed out of {$210.00} and can't get a refund I want y'all to refund me my {$210.00} back or dispute the payment for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Trying to link my PNC account to my XXXX XXXX by XXXX account and PNC is denying this. I need to be able to transfer some of my funds to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I contacted my Mortgage servicer/ Wells Fargo by telephone on the following dates but was not able to reach a person to assist me with a {$110.00} late charge that I was assessed on XX/XX/2020. 
1st call - XX/XX/2020 2nd call - XX/XX/2020 3rd call - XX/XX/2020 4th call - XX/XX/2020 5th call - XX/XX/2020 6th call - XX/XX/2020 7th call - XX/XX/2020 8th call - XX/XX/2020 9th call - XX/XX/2020 10th call - XX/XX/2020 On each occasion I was on hold for approximately 1 hour only to be disconnected before reaching an agent. I after attempting to reach someone over the phone I visited my local Wells Fargo branch on XX/XX/2020 in XXXX Oregon where I was told that nobody at that location could assist me with my mortgage account. I was provided the business card for a Wells Fargo mortgage banker and told to contact him. When I contacted him I was told that he can only assist with originating new loans and can not provide service for existing loans. He directed me to call the phone number that I have previously tried to reach someone at. I am at a loss for how to reach someone to assist with my issue. Please help!!!!

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 2020-07-11 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:
Experian has been violating the FCRA Laws for about a year now. Firstly, They have been reporting the same invalid information on my credit report, for awhile now. These are accounts that were opened as a result of identity theft, and all Experian reports back is that they have remained on my credit file, they verified this information with the data furnisher who has assured Experian that the information is being reported accurately. However Experian can't provide any proof of this. Because the Creditor ( XXXX XXXX XXXX ) is Experian 's Vendor, and Experian has advised me even though the accounts are fraudulent. Both are credit cards, and both were opened online from XXXX using fraudulent applications for both cards, neither card was ever received by me nor used by me. That they have verified it. They are verifying Fraudulent Credit Cards somehow, that were the result of identity theft, However they certify this with their " Data Furnisher '' As Accurate, and or they just send me a letter saying the creditor may not know how to contact me which again is a lie. I called this creditor, I have already reported BOTH Credit Cards as fraudulent. Per the FCRA Law 603 ( B ) If an account is opened as identity theft, and you have provided significant documentation ( FTC Identity Theft Affidavit ) Along with Identification, that you can request the Credit Bureau block this inaccurate fraudulent information from being reported on your credit file known as being suppressed. Experian, Will not even dispute these accounts and have advised me they don't have to, as they have disputed it before and that I didn't provide relevant information. I Have Provided them with what was sent to my local law enforcement office, a copy of my police report. Experian refuses to assist even with this. The Accounts are both Fraudulent. They are also reporting a fraudulent ( XXXX XXXX ) Account that again was not authorized, and that was a result of fraudulent accounts being opened with stolen identification.

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 2020-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted Bank of America to apply for a mortgage pre-approval. I provided all the necessary documents and there was a hard check on my credit score, but even after changing my bank agent one time and contacting the bank multiple times, I never hear a response back. Eventually my mortgage application vanished from my online banking account without me receiving any response. I recently contacted the bank about it and was told that the application was too old and I had to reapply.

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 2020-07-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX XXXX Retailer accepts returned goods for full refund. Full refund is issued. Receipts are printed In store and from computer and filed. Online transaction later reflects different information, which is usually accompanied with temporary fraud and theft of financial records to support what seems to be accounting and bookkeeping projects at the expense of the reporting party. Issue described frequently targets the older transactions soon to be removed from the online history. Task is routine and ongoing and meant to tire person completing bookkeeping online or record keeping onsite.

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 2020-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was unable to link my PNC Bank account with my XXXX XXXX account. The XXXX website stated PNC Bank has made a change in their policy that does not allow their users to link their accounts with external sites like XXXX. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XXXX XX/XX/XXXX I was charged {$19.00} from XXXX XXXX XXXX, I never authorized this transaction and reported it to my credit card company. They closed out that credit card immediately and reissued me a new credit card with a different number. They investigated and sided with the XXXX XXXX XXXX on XXXX XX/XX/XXXX. I again contacted my credit card company and told them again that I never ordered anything from this company. They again investigated and on XXXX XXXX again came back that this was a VALID TRANSACTION. How can it be a valid transaction if I did not order anything? I have been with this same credit card for more than 20 years. 
I will be contacting the credit card company again Monday when their fraud division opens. 
I would like the credit card company to show me PROOF that I ORDERED from this company. When I found this UNAUTHORIZED transaction on my statement I IMMEDIATELY contacted the credit card company FRAUD DIVISION and they issued me a new credit card with a different number. If the credit card company AGREED that this was a VALID TRANSACTION why did they issue me a new credit card with a new number?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-11 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:
FTC Violations XXXX - CARD SERVICE {$2700.00} XXXX - CARD SERVICE {$5700.00} XXXX  XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
RE : PennyMac Loan Svc # XXXX XXXX - Escrow Account I requested via phone and via secure message center for my supplemental property taxes to be paid since at loan funding the supplemental property tax amount was calculated, funded and held in the escrow account ( listed on the escrow settlement statement on purchase on home ). I begged them to please pay since the money was in the escrow account. In XX/XX/XXXX I received a secure message that I would hear a resolution with 14 days .... nothing ever came. I ended up incurring late fees on the property tax and paid them out of pocket via credit card which incurred additional fees. Currently in on XX/XX/XXXX, PennyMac decided my Escrow account has too much funds and have mailed a check back to me for over {$6000.00}. I tried a tried to help them realize the money was there but no one cared or listed and now they figure out they have too much money since they didn't pay. I am fed up with this company and I would like my few hundred dollars and penalties and fees back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX Retailer accepts returned goods for full refund. Full refund is issued. Receipts are printed In store and from computer and filed. Online transaction later reflects different information, which is usually accompanied with temporary fraud and theft of financial records to support what seems to be accounting and bookkeeping projects at the expense of the reporting party. Issue described frequently targets the older transactions soon to be removed from the online history. Task is routine and ongoing and meant to tire person completing bookkeeping online or record keeping onsite.

Company response to consumer: Closed with explanation