vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
XX/XX/XXXX - I received a security alert from my bank that I added a recipient to my online bill pay and if I hadnt to call immediately. The notice was sent after the dept I was to call had closed for the day. ( I had not then, nor had I ever used online bill pay. ) I deleted the recipient which was my own credit card - but I never added it. 
XX/XX/XXXX - I received a security alert again and did speak to customer service.. I was advised that since it was my own credit card that had been added to not worry. I deleted it from bill pay again. 
XX/XX/XXXX - I received a 3rd security alert about the same issue. I told the person I spoke with that I had never used online bill pay and could they just eliminate it from my account so I wouldnt receive any additional security messages. 
XX/XX/XXXX - I spoke with someone who said she removed it XXXX online bill pay ) and ever since then I have been unable to have access to my Virtual Wallet Acct or my credit card in online banking. I cant view any credit card transactions or Virtual Wallet account transactions. When I click on the hyperlink for those Acct it takes me to a screen to enroll in online bill pay, but not my accounts. 
I have been sent to various departments since that time to resolve this. I have spoken to credit cards several times to get my recent transactions. I have spoken to online bill pay dept, online banking, escalation and the list goes on. I have been advised that a rep I spoke with was re-enrolling me in online bill pay and that should resolve things in 2 days. I was advised to re-enroll myself ( which I did ). 
No one seems to know what they are talking about. This is an issue that began on XX/XX/XXXX when I received a security notice that I should have never received about an action that I had never taken, and as of ... .. 
XX/XX/XXXX when I can report that I still do not have access to my Virtual Wallet or credit card in online banking. 
To say that I am frustrated is an understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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:
I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the companies, to no avail! The listed information is completely inaccurate and must be corrected.

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 2020-12-01 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: KY

Complaint narrative:
There is a XXXX XXXX XXXX closed account that has always been paid as agreed and the history reflects a 1x30 day late which is totally inaccurate. I have disputed this and it is still not resolved. This is inaccurate information that I want removed ASAP.

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 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has been offering me Forbearance from the beginning of the Covid19. They called me in the middle of XXXX to offer me forbearance on my payments. They told me the payments would be added to the back of the loan at the end of the forbearance plan. They said I had 12 months of help from the CARES Act. They also called me in the middle of XXXX to offer me 3 more months of help. Stating that I had 9 more months to go. In the middle of XXXX, I spoke to 2 different Customer Service representatives just conforming the help for the following 6 months and both of them confirmed that I had 6 more months of Forbearance. I have been making financial decisions based on this for the last few months, Obviously, I need the help and I am grateful they offer to help me during these tough times. On XX/XX/XXXX I received a call from XXXX XXXX ( Home Preservation Specialist ) She stated that Wells Fargo made a mistake by calling me and offering the forbearance plan for 12 months. They said I was only supposed to get 6 months and that I needed to pay back for the months I did not pay which would include XXXX, XXXX, and now 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 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, My problem is with Paypal, it's the only way my clients pay me for my illustrations and all my money is there. On the XXXX of XX/XX/2020 I received an email from Paypal saying that my account was limited, which mean I could not transfer my money from Paypal to my bank, neither my clients cold make me payments. They asked me to submit documents, didn't say what kind of documents. I submitted a copy of my tax number and I explained that I use the service to get payed for my illustrations. I also asked the reason why my account was limited. I submitted the document on the XXXX because I couldn't find on the website the tab to do it, as the link to the page was broken ( see screenshot ). I received an email from Paypal saying that they would review my case and I should expect an answer in up to 5 days. After 5 days, noticing that my account still limited, I made a complaint on their " help center ''. They asked me to wait up to 72h for their answer via email. Never happened. I sent other messages and on one of them the agent said that my case was escalated on the XXXX and they started to count from that date another 5 days that I suppose to wait. Meanwhile, my clients couldn't make me payments, I didn't have money to pay my rent and my electricity ... I sent an email to XXXX, that suppose to be the area of Paypal where you make complaints about Paypal, no answer ... I don't have any money on my bank account, all my money is blocked with Paypal and I don't know what else to do, please help me. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

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 2020-12-01 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One bank has been promoting that it will help its customers through the pandemic. Since XXXX, I have been contacting them so I can get help with my monthly payment due to my hours being reduced at work due to COVID 19. They agreed to help me and said they will enroll me in a program that will make my account current without any minimum monthly payment. In XXXX i received a notice that i was late, I called and they said that i was supposed to call every month. I said i wasn't sure i understood that and if they can please help me and they refused and made my account 30 days late and sent it to my Credit report which cost me 40+ points reduction. In XXXX i made the call again and ask if i can have my interest freeze because my card went over the limit due to interest and i don't have enough to make payment and they said they cant. and in XXXX i made the call as well. In XX/XX/XXXX a Representative said he has a better plan for me that won't require me with any minimum payment or late fees. I asked if i still had to call every month and he said i don't until XXXX but now I'm receiving notices in my credit score that I'm late 3 months, and I'm receiving emails feeling pressured to make a payment on XXXX for {$200.00} to make my account current or will be going in collections which means it will affect my credit score as well. I Now call in XX/XX/XXXX and ask why is my account showing I'm behind 3months and why is this being sent to my credit report and they said that is due to the new program. I explain to XXXX the manager that it wasn't what I was told especially with the questions I specifically asked which were do i have to make a minimum payment, will my account be current, and do I have to still call every month. XXXX said she can't do anything for me but to review the call. This is the first time I have ever written a complaint with capital one because they are my favorite bank but with the situation, I'm going through I feel they are juggling me around and giving me all these fees towards my account when they know I can't afford it. It will not be a fair call where I'm asking for help and my account goes into a collection or destroys my credit score more than what it is all because no one wants to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I disputed accounts on my credit reports that were not mine. And the credit bureaus will not accept my dispute. These are the accounts they will not remove : 1 ) XXXX XXXX XXXX XXXX XXXX- {$300.00} Charge off accounts 2 ) XXXX XXXX/XXXX {$300.00} charge off account 3 ) XXXX XXXX XXXX {$33000.00} late payment account 4 ) XXXX XXXX XXXX XXXX {$520.00} charge - off account 5 ) XXXX XXXX XXXX {$260.00} charge-off account 6 ) CONSUMER ADJUSTMENT CO - {$910.00} collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I reported this card my Capital one card stolen and the account was closed. I was under the impression this issue was resolved and all charges to amde to the account would be disolved/handled by Capital one because they were not charges made by me. Capital one continues to report a charge off the credit bureaus. Ive disputed this as well as written a letter to capital one, but this issue has yet to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 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: MI

Complaint narrative:
I HAVE TRIED SEVERAL TIMES TO GET THESE FRAUDULENT INQUIRES OFF MY EQUIFAX CREDIT REPORT, MY IDENTITY WAS STOLEN DUE TO THE EQUIFAX DATA BREACH, I FILED A POLICE REPORT, AND FILED A FEDERAL FTC REPORT, THE FRAUDULENT ACCOUNTS WERE REMOVED FROM MY CREDIT REPORT BUT NOT ALL OF THE FRAUDULENT INQUIRES, XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, I HAVE BEEN LIED TO NUMEROUS TIMES FROM REPRESENTITIVES FROM THIS AGENCY STATING THAT THEY HAVE REMOVED THE INQUIRES, OR THAT THEY DONT SEE THE INQUIRES, BUT YET AS OF TODAY THESE INQUIRES STILL ARE REPORTING ON MY CREDIT REPORT,, I WILL ATTACH MY FTC REPORT, AND POLICE REPORT TO SUPPORT THESE CLAIMS, MY RIGHTS HAVE BEEN DENIED TO ME BY THIS AGENCY, I AM ALSO AN EQUIFAX PREMIUM MEMBER WHO PAYS FOR IDENTITY THEFT PROTECTION, YET WHEN EVER I TRY TO GET HELP FROM THIS AGENCY, I GET TREATED AS IF IM THE ENEMY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : SANTANDER CONSUMER USA # XXXX, XXXX XXXX XXXX # XXXX, # XXXX ( 2 times ). 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX ( 2 times ) to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical Information to you.Please Delete Address that does not belong to me : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ) XXXX UNKNOWN INQUIRIES : XXXX XXXX DUAL CARD *XXXX Interactive * XXXX Branch via XXXX XXXX* XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX* XXXX XXXX XXXX* XXXX* XXXX XXXX/XXXX XXXX*XXXX  Interactive XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I have been unable to contact anyone at Dovenmuehle Mortgage to discuss my loan after many attempts. They do not answer the phone. Apparently I am not the onlyone having issues. 

XXXX XXXX XXXX This company should be investigated to determine why they have no mechanism for their customers to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
After having problems with Coinbase myself and reading online that many others have experienced a plethora of problems as well, I decided to sell all btc from my account. I did so on XX/XX/26. I was not and am still not able to withdraw that money off of Coinbase and send it to my bank. I sent an email to Coinbase which has not been responded to other than an auto-email. The app shows that I have USD in my account but when I hit the withdraw button it then says there is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I pulled my credit report and saw the company Wakefield collecting for a company called CEP of America to companies who I HAVE NEVER done business with, This has to be the result of identity theft,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
I refinanced my mortgage and Amerihome sent me my escrow refund and then cancelled my check in XX/XX/2020 because they claimed it was not properly endorsed. I have been trying to get a check reissued for almost a year now and they still have not done it. I have attached the stop payment notice from XXXX XXXX XXXX XXXX for the total of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 ALLY FINANCIAL CARD add a hard inquiries on my credit report per XX/XX/XXXX. 
But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-01 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: CBC Companies, Inc.
State: VA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX of 2020, my PayPal account was permanently limited for no reason. I have over XXXX dollars in my account balance that I am not able to withdraw at all! This is the livelihood money that I depend on and PayPal prevented me from withdrawing the money for no reason. I tried to contact the PayPal phone service but no one was available to answer due to Covid-19. Then I tried to email and send messages to the chat center but no feasible solution was given. The locked up my money illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have previous addresses that are not mine

Company response to consumer: Closed with explanation