vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
on XX/XX/2021 my PNC Bank online banking was hacked and a fraudulent wire was sent for {$19000.00} from my account. The bank investigated and said there was no error on their part and wont refund the fraudulent transaction. In a XXXX sentence letter they said the case is closed and I am out {$19000.00}. This is beyond unacceptable and caused a multitude of hardships in my life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: DE

Complaint narrative:
PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate named XXXX XXXX. THE COMPANY, ENHANCED RRECOVERY CO, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. Whereas I believe them to be a debt buyer, ENHANCED RRECOVERY CO, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX ON THE PUBLIC AND PRIVATE SIDE. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I would like to lodge a complaint against Wells Fargo Mortgage. I think they r practicing XXXX and age discrimination. 

Full complaint has been attached

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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I applied for a loan with Discover Personal Loans and denied based on the status of a previous account. The status of my previous account is that it was discharged in a bankruptcy over 10 years ago and no longer appears on any public records or my credit. 

I mailed Discover a letter to inform them that my previous account was discharged in a bankruptcy and they received it on XX/XX/21 per XXXX records. When I called on XX/XX/21 I confirmed with a member of the Discover Loan department that they showed my account was charged off. However, when I spoke with the Discover Card bankruptcy department they confirmed that they have documentation that my previous card was discharged in a bankruptcy. It is my understanding that the debt can no longer be settled due to the bankruptcy and XXXX-year statute of limitation on collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Resolution Corporation
State: MD

Complaint narrative:
I had surgery in XX/XX/2020 and the bill that the collection agency states that owe was paid. The says XXXX on my credit reports but the amount owed is XXXX from the claim from my insurance company is totally different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank ( Sony XXXX ) continues to charge you interest on balances that you have already paid in full. They claim that because your account isn't paid in full after an arbitrary date they set up on an account update then you are out of grace and as a result accrue daily interest charges even you have paid the amount in full. I also take issue with your statement not being updated in real time on their website thus make it impossible for you to pay your balance off completely without having to call and get the additional interest charges disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Coinbase Global permitted cryptocurrency, XXXX to be traded on it's platform. It is identified as a stable coin to mirror the exact cost of the XXXX XXXX ( {$0.00} ). However, since it has been on Coinbase, the price of the XXXX coin has fluctuated as normal cryptocoins, and was extremely volatile during the week of XXXX XX/XX/2021 The price of the XXXX coin went up to as high as {$0.00} and above. Coinbase permitted investors to purchase the XXXX coin all throughout its rise up to {$0.00} and above. I personally invested a total of {$11000.00} in XXXX coin at various entry points ( average purchase price was between $ XXXX ). Out of the blue and without warning, Coinbase set the price of the XXXX to {$0.00} and everyone that invested thousands of dollars, lost their investments all of a sudden. It seems like a scheme or a scam deliberately to rob people of their hard earned money. Coinbase has been evasive to thousands of people asking questions about what is going on and whether we are going to get our money back. This is a huge issue and you can find several people discussing this. Please help asap. Coinbase has frozen access to funds, and have not permitted any trading of the XXXX coin nor permitted people to get their money back at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a mobile account with XXXX, which I cancelled. However, XXXX claimed it was only " suspended '' and continued to charge me. I settled that dispute with XXXX on XX/XX/2021 and made full payment of the final, agreed amount ( {$60.00} ). I also received an email from XXXX stating that the payment arrangement was " complete ''. 

Later, however, XXXX started pursuing me to pay more money, even though we had finally settled the account. I have provided documentary evidence of the settlement ( including the name of the XXXX representative I made the agreement with ). I provided all this information to XXXX ( see attached letter to XXXX with supporting documentation ), but they have not responded to me. 

XXXX has also not provided any first-hand evidence to Experian, instead merely claiming that their agent didn't properly note in the account that the matter was settled. ( XXXX 's bad record-keeping doesn't prove there was no settlement, only that they failed to properly record it. ) Experian has likewise ignored my documentary evidence of the settlement and instead has blindly accepted XXXX 's conclusory ( and false ) claim that there was no settlement. 

As a result, I have been forced to pay ( under protest ) money that I do not owe because XXXX is damaging my credit rating and Experian is helping them do it.

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 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
this basically sums upmy issue and this is the email i sent to my bank : I called and complained about this above claim I explained to numerous representative about my issue with the company XXXX I purchase the jersey online on XX/XX/XXXX for {$70.00} after 2 days on XX/XX/XXXX I reached out to them after reading their reviews, i tried calling them and the number on their website was disconnected i emailed the cust support email i found and received this reply ( EMAIL INSERTED ) then they followed with another email saying they would try to expedite my order and ship out the following week. ThIS DID NOT HAPPEN!!! their website said 5-7 business day!!!!! well 3 weeks later on XX/XX/XXXX I received another email stating my item was on the way MIND YOU THIS WAS AFTER I HAD INITIATED A DISPUTE with you guys AND REACHED OUT TO THEM ABOUT MY COMPLAINT as I also explained I no longer needed the Jersey as I went ahead and purchased it elsewhere and it arrived within 5 days ( proof was also submitted ) during this last call with you guys XX/XX/XXXX I was told to reach out to the merchant directly and when I went online to look for their contact in their website is no longer up therefore which further proves this is a sketchy business. In conclusion I request this money be put back into my account immediately I have also followed up with a complaint to the XXXX and will also contact FTC. In my last conversation I requested this claim be ESCALATED as the last representative I spoke to mentioned that was an option that I WAS UNAWARE OF until the representative said i could have requested it I realized this was an option that was never presented to me before once again IM ASKING THIS CLAIM BE REOPENED REVISITED AND ESCALATED AS I WILL BE FOLLOWING THROUGH AND EXHAUSTING ALL MEANS AVAILABLE TO ME. 



( insert ) i reached out to the XXXX  and they replied saying XXXX is not in business i have that email as well i sent that to my bank i also made a report to the ftc i know XXXX may seem insignificant to anyone else but to me is important thats a full tank of gas half of my groceries, if i woulf have got the merchandise they claim i received i could have toolk it sold it made my money back no problem but that is not the case # 1 i never receivd the merchandise # 2 it was sent not when they promised to send it but after I initiated a dispute # 3 there is no way to contact them as the phone # is not in service the receipts they provided have another companys name on it which i did not do business with their receipts show a bedding company XXXX i did not do business with them i did not authorizze my info to be shared with them idont know who they even are or how they even came in the picture??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
( Transworld systems I ) at ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) has been calling XXXX XXXX and I, in the amount of {$3600.00}. After we ask multiple times to stop calling we had to change our phone numbers XXXX times so we could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature or XXXX XXXX signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i first contacted XXXX XXXX XXXX about the fraudulent account on my credit report. it was removed from XXXX but still remains on Transunion, and XXXX. I have been a victim and been fighting identity theft since 2018.

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 2021-11-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 we were charged {$340.00} from a company we have never done business with. No phone number or ability to contact the vendor was on the statement. A XXXX search shows no such company. We opened a claim XXXXXXXX XXXX informing Bank of America fraud department of our conviction that this is fraud ; pointing out that the company misspelled XXXX as XXXX XXXX, used a suspicious reference number, and that we have no way of knowing who this vendor is, requesting company information and a copy of the transaction receipt. Our claim was denied and no vendor information was given. 

On XX/XX/2021 I again contacted BofA fraud department and was told that it is an online company and that the vendor had not responded to the fraud charge. I reopened the dispute claim. On XX/XX/2021 I received a letter saying our dispute was again denied and that they would be making a report to XXXX credit bureaus. 

I made a third call on XX/XX/XXXX to obtain information on the vendor to request information about the vendor and was put on hold for over an hour. 

I am concerned that BofA is perpetrating fraud through negligence and since I paid my balance in full throughout this time, needlessly impugning my credit with the credit reporting agencies. 

I appreciate living in a Country that takes these matters seriously.

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 2021-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I can not open a checking account and the 'Chex Systems Inc ' that denied me wont tell me why without trying to harvest and sell all my personal info. 

Yall are getting played like chumps by these banks and online companies. 

There should be a single use code on the sheet they gave me or something, I shouldn't have to give them valuable information for them to tell me if someone stole my identity or not. 
I knew it was fishy when they wouldn't tell me why. So I called them. 

And when I call them I can hear their dogs barking in the background and I'm like ( paraphrased ) '' are you selling my info? '' and the lady is like ( literally ) " well, uh... no... '' And so I was like " bruh, you got ta lie better than that. You got ta just say no next time. '' and she didn't say anything. 
Finally after like 30 more seconds of her trying to jerk me around I asked her. 
" So your just here to jerk people around and tell them to go XXXX themselves, you're not gon na help me at all are you. '' and basically she thanked me for being in good humor and laughing about it, then hung up.

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 2021-11-30 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: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 90 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: OK

Complaint narrative:
Not only was the debt collector i did speak with abusivive, harrassing and rude, but there is a specific phone call i am referring to. XX/XX/2020 the debt collector was abusive and inferred me being a child after telling him this was not my debt, was condescending and rude. 
XXXX XXXX also decided to call me frequently during work hours after i disclosed not to. XX/XX/XXXX. And i was never given written notification or phone information to dispute the debt within 30 days. XXXX XXXX is with tekcollect. His extension is XXXX. I was harrassed into paying off half of the debt. They would not give me phone call logs from these dates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
I signed closing documents with XXXX they are refusing to fund my loan after closing because the loan officer that started the loan is no longer with them. they are holding my loan hostage after the 3 day rescission period because they want documents corrected AFTER I signed closing documents because the loan officer is no longer employed with them. this is causing me additional time, money and will cause my mortgage payment to be late with my current lender because they will not send the payoff

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I sent my mortgage company PNC Bank a check on XX/XX/XXXX for the amount of {$1600.00} via my bank bill pay system. On XX/XX/XXXX I received a letter that my XX/XX/XXXX payment was overdue. I called PNC and they recommended that I pay online and cancel the original check since they have never received it. I declined that option and contacted my back first. 

Upon contacting my bank they told me that the check was sent on the XXXX, endorsed by PNC bank on XX/XX/XXXX and cleared on XX/XX/XXXX. I once again called PNC bank they they told me to fax a copy of the front and back of the check. I did. They then told me that until they find where the money has went, they can not credit my account. I called a few days later and they then told me to email the front and back of the check. On the phone they acknowledged that the endorsement on the check was PNC bank and my funds were sent and received but once again, they stated that until they determine where the money was deposited, they can not credit my account. 

I have attempted to call XXXX times today and have been put on hold and disconnected all XXXX times It is XXXX days since they deposited my check and still no funds have hit my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 90 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 90 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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