vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Problem associated with a Wells Fargo credit card used for balance transfers. I used the credit card to make 2 balance transfers that occurred approximately 1 year apart. No other purchases were made on the card. The first balance transfer was for an 18 month period at a 0 % rate and the second balance transfer was for a 12 month period at a 0 % rate. I was making payments to cover the first balance transfer and had covered the initial balance transfer prior to the promotional expiration date along with amounts to begin payment on the 2nd balance transfer. The monthly statements did not show the remaining balances broken out by promotional offer so I was unable to see that they were applying the majority of the payment to the second balance transfer ( even though the rates were both 0 % and their disclosures indicated that the payments would be applied to lower APR balances before higher ones - it definitely was not clear that they were looking at some other rate besides 0 % ). I feel that the monthly statements were deliberately misleading in that the balances by promotional transfers were not broken out and they easily could have been since they were obviously tracking it. As a result, I found out 2 months after the expiration of the first promotional period that I still had {$500.00} remaining on the first promotional period ( that I thought I had repaid in full ) and interest began to be charged. I called Wells Fargo to complain and they waived the first month of interest but that doesn't correct the problem going forward. They should be required to clearly report outstanding balances by promotional period if multiple balance transfers are outstanding. 
Thank you, XXXX 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 2020-08-04 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:
XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$9600.00} Highest Balance {$6200.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$0.00} all of them too many to list Creditor Name XXXX XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 18 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$1000.00} Payment Status Current Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX XXXX XXXX, TX XXXX wrong address wrong names XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 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 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I requested to close this account in XX/XX/2020, l was told by the PNC rep that the account was closed successfully. On XXXX XXXX a XXXX transfer of {$1300.00} was sent to this account in error and instead of returning the payment PNC kept the money stating that they reopened the account because credits that were given in XX/XX/2020 were now reversed in XX/XX/2020 putting the closed account in a negative balance. I was never notified that this account was reopened. They also took my husband unemployment payment in the amount of {$960.00}. PNC told me that the account is still negative {$1200.00} as of XXXX XXXX and is refusing to close the account or deactivate the XXXX feature. The reversed credit stem from a refund for a XXXX XXXX  that was cancelled due to Covid-19 and PNC states that they gave me duplicate credits which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I can not make online payments through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. These inquiries listed below was not authorized by me. 
These lenders have accessed your credit file : XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 Per Section 611 of  the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully,

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 2020-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG HOLDINGS INC
State: MO

Complaint narrative:
Today I got charged on my debt card i did not authorize by TEMPOE i told them repeatedly to only take the charge as of XX/XX/2020 i told them repeatedly only charge me the amount BUT not to save in system until i get my replacement card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
Two weeks ago, I began receiving text messages from MetCredit USA. They did not provide any information, except for that they were attempting to collect a debt and requesting I click on a link. 

I received a letter from them yesterday requesting payment for a visit to XXXX XXXX XXXX that was paid on the date of service. I have attached a copy of the receipt. 

If they report this to the credit bureau, I will sue them for texting me and using my cell phone number without consent. This is illegal per the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Conduent Incorporated
State: MO

Complaint narrative:
On XX/XX/2020 I order a replacement card for XXXX XXXX XXXX On XX/XX/2020 Missouri dept of unemployment issued funds of {$610.00} dollars. That I did not receive I have been contacting for over 3 to for consecutive days now Nd yet to have received my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: FL

Complaint narrative:
I used the Cash App to have someone send me funds. I went to deposit the funds into my bank out of Cash App. I check my bank account on the day that the funds were meant to be deposited into and they were not there. I then reviewed the transaction on the Cash App and saw that the direct deposit was set for a bank routing number I had never heard of. I looked up the routing number of the bank and it appears that it is the bank that Cash App runs all of its transactions through. I am unable to see the full account number that the money was transferred to. Cash App has no direct customer service. No phone number that they currently have listed gives you any information, they only have messages about things that are not what they state on their website. There is only a limited way to send in a complaint on their site ; you have to hunt through their menu to even find a form. This was clearly a mistake and it seems clear that Cash App put in a placeholder direct deposit account that went to their own bank. I have no idea why they would do this, why wouldn't they just leave it blank?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
I've Applied for A XXXX XXXX XXXX Credit Card several times each time I apply it comes bank Elements Associated with fraud the past three application i called the number listed and asked for reconsideration. Each reconsideration Came bank with the same denial. On or around XX/XX/XXXX XXXX I called and recieved the only denial being Indentifying Information does not verify. Please verify my information with the documents Attached And do a investigation on why your system keeps denying my application and reconsider my application. I have a perfect credit score and believe I qualify for A Credit card please also include The resolution to your investigation and if the problem was resolved and when I can recieve my card or reapply if the reconsideration is unsuccessful with the Credit Report and Information already on hand. I do not approve or don't consent to another inquiry on my credit report unless First bank card can utilize a soft inquiry instead of a hard inquiry as first bank card has my infor.ation less then 30 days old as the date of this complaint. 

Sincerley, XXXX XXXX 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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have been filing properly with Equifax to have XXXX XXXX XXXX removed from my credit report. I have filed numerous disputes and they continue to leave on my credit report, and it should have been removed, should be removed where the 7-year statutory reporting period has long since past from the first time it was reported to them as late. 

I have a document that I will send to you dated : XX/XX/XXXX, that supports XXXX reported the account late on XX/XX/XXXX for  the first time, and this is nearly ten years later and it is still on my report, the vehicle was voluntarily surrendered in XX/XX/XXXX when both my parents became terminally ill and I could no longer afford. 

I need your assistance, I have tried and tried. 

The seven-year statutory period has long since past and it should have been removed, it is causing me severe hardships when applying for my student XXXX Plus loans I continue to get denied due to this and have to explain and appeal each year. This is something that should have been taken care of years ago. 



Very truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a purchase for services online that were misrepresented by XXXX XXXX ( cooking methods to improve health ). The company misrepresented what the program was and I could not use due to health constraints. I first reached out to the company to cancel in XX/XX/2020 as soon as I realized I could not use the services due to health constraints. XXXX  XXXX refused to cancel and refund. 

I reached out to Capital One to block merchant or Cancel the card due to recurring charges I did not authorize. I was told to contact XXXX XXXX   again and report their response prior to Capital One taking actions to assist me. I did so without resolve. I called Capital One to cancel my card and was told to just change the card number by closing the existing card and allowing them to send a new card and number. They assured me that XXXX XXXX could not chg the account again or commit fraud since it was a new number. I was not happy at losing the initial {$87.00} but accepted Capital One 's promise that XXXX  XXXX  could not chg the card because it was closed. XXXX  XXXX  placed a four month hold on the subscription then submitted the {$87.00} chg again without authorization. I called Capital One and was told not to worry, it is pending and won't go thru due to my actions in XXXX. I was told if it did go thru, it was fraud and they would get my money back and prosecute. The charge went thru and now Capital One has changed their story again and says XXXX XXXX  is the only one who can stop the charge and I need to try them again. I inquired about Capital One 's position changing and why they had not done as I requested in XXXX and closed my card to prevent further charges from happening. They apologized for misinformation in XXXX but not to worry, they are issuing a temporary credit I can not use to allow XXXX  XXXX   90 days to stop charging the card. There are still two more opportunities for them to take {$87.00} against the card during the 90 days. None of these charges are authorized. I've followed all protocols to resolve this dispute. I've paid my entire bill monthly to build credit. I had to close my card today because of both XXXX XXXX and Capital One 's fraudulent practices. I need help resolving these issues and finding a reputable card that gives me recourse against unethical companies and business tactics. 

Please help Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: VA

Complaint narrative:
I ordered XXXX debit cards for my kids to learn how to manage money. It worked up until today. I received a notice that XXXX is having difficulty transferring money from PNC Bank because they made a change that rendered the link useless. As of right now, I can't transfer money to my kids accounts and am frustrated that PNC would dictate where I can transfer my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I make a payment and the balance of the credit card Never goes Down it stays practically in what I owe I have complained and they lowered it to XXXX then after 2 months it jumped up again to XXXX this is unacceptable they gave no help with Coronavirus! Another XXXX thing they did is while having a High balance on the card they lowered the credit limit leaving me over the credit limit and damaging my credit.

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 2020-08-04 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: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
My identity has been stolen someone used my credit to open an account with Sterling jewelers in New Jersey ... .I have not left the state since the pandemic so its impossible for this to be me

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 2020-08-04 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: IL

Complaint narrative:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) 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 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: PA

Complaint narrative:
Two unauthorized, fraudulent charges were removed from my checking account ( total {$1000.00} ) on XX/XX/XXXX. I was told that my money would be returned within 10 business days. Today is XX/XX/XXXX, and the money has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
THIS COMPANY REQUIRES ME TO HAVE A MOBILE PHONE NUMBER ON FILE IN ORDER TO GET ACCESS ONLINE OR GET THE REWARDS. I THINK THAT IS AN ABSOLUTELY RIDICULOUS THING TO REQUEST FOR SOMEONE TO GET THOSE THINGS. I HAVE A LANDLINE WHICH IS AN UNACCEPTABLE PHONE NUMBER TO THEM. I TRIED SETTING UP ONLINE ACCESS, IT WON'T GO ANY FURTHER WITHOUT A MOBILE PHONE NUMBER BEING INPUT INTO THEIR SYSTEM. THEREFORE AN ONLINE ACCOUNT CAN NOT BE SET UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Can't link my accounts to anything anymore super inconvenient

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: IL

Complaint narrative:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) 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 2020-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I deposited XXXX btc with coinbase, and now my account is disabled. I've reached out through every possible means, including multiple emails, and social media messages. They wont even reply. Im absolutely disgusted with their lack of support. I want to know why I'm not able to access my BTC or even login to my account! I want an explanation and resolution NOW I have uploaded my ID numerous time to get the same error : The name on the document ( " XXXX XXXX XXXX '' ) doesn't match " XXXX ''. Please try again or visit https : //support.coinbase.com for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Market Place Mortgage Corp.
State: IL

Complaint narrative:
XXXX XXXX from Market Place Mortgage call me and ask if I would like to refinance my house, I told him sure send me email with options I will look at my options and I will call you back. Week and half later he send me application to sign and the same day I got notifications as he pull my credit with out my authorization, he have my SS number from 4 years a go he did my refinancing on my old house, but yjos home was sold. I email him to correct this with credit bureaus and he fail. I would say this is miss practice pulling credit report with authorization.

Company response to consumer: Closed with explanation