vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I made a check out to my husband from my XXXX XXXX account in the amount of {$1500.00}. The check was deposited via mobile deposit to his Wells Fargo 's checking account. After several days of waiting for the money to clear the bank rejects the deposit and sends the money back to me. However the reason the bank rejected this deposit was because the check was deposited two times once on XX/XX/XXXX by my husband and a second time XX/XX/XXXX by an unknown person to a XXXX XXXX  XXXX account. The check never left our possession nor has been stolen, so there is no way the check could be deposited in another bank other than the same depositing bank. No one in the household has a XXXX XXXX XXXX account and my husband went into XXXX XXXX XXXX today to ask and confirm that he has no accounts there. Thus, this is a case of fraud. We tried filing a police report but the police said there is no basis to file this as a police report since this is an error that must be solved between banks. Basically, the money was drawn twice from my account and reflected ( {$3000.00} ) but they only returned the money once ( {$1500.00} ). So now we are short of the {$1500.00} and some stranger has it and these banks do not want to help us with our situation. Hence either there was a clerical error at the bank processing of the check or someone within the bank is transferring deposits to a different bank for personal benefit as is quite believable with the terrible history at Wells Fargo. We have contacted both my bank ( XXXX XXXX ) and his bank ( Wells Fargo ) numerous times and every time they close the cases and say there is no issue. They do not want to assume responsibility for the mistake made by Wells Fargo since they most likely have to pay the money from their own funds to cover the lost. I have all the recorded documents and proof to prove my case and my husband went to Wells Fargo to further his claim in person and the people there appeared to agree with him but the final verdict came in the letter sent by them where they ended up closing the case and giving no solution. It makes no sense to me how depositing a check at one bank can end up in another bank and also the discrepancy of the check deposit dates. The first one should have priority over the second one. What looks like a simple error has been drawn out for almost 5 weeks. We just lost {$1500.00} out of no where due to bank errors.

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 2021-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The is a new inquiry on my XXXX and Equifax credit report. I do not know who or how the account has surfaced on my account. I have filed a FTC report and have uploaded a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A collection was added to my credit report for the amount of {$200.00}. The collection was added to my report by XXXX XXXX. The debt was with Capital One to which I was contracted to pay the credit card bill. The account was a secured account, to which my line of credit matched my deposit. I deposited {$300.00} to the account, which would cover the account if charged off. I have disputed this debt with XXXX on several occasions, due to the fact I do not have an agreement with their company to pay any funds to them. They have refused to send any signed contracts and only provide a bill that does not list the full details of the account. A representative was contacted on XXXX, to which I was advised an amount lesser than the full deposit amount was applied back in XXXX. I have requested this information multiple times as I may pursue legal action against the company. To date, no signed contracts or a complete breakdown of how this balance originated has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC has had all the documentation needed to give me a closing date on my mortgage, and they won't give me a date when we can close my mortgage. Any information PNC requested I've sent over same or next day. Any time the closing date approaches PNC has a last minute information request that delays closing additional days. I've had to resend the same documents over and over again to PNC. We were supposed to close on XX/XX/XXXX, and it still isn't closed and I don't have a closing date as of XX/XX/XXXX. No one is helping at PNC, no one is explaining what has happened, and no one can get answers. I think PNC may be intentionally delaying the processing of my mortgage so I have to have a higher interest rate. 

On Monday, XX/XX/XXXX, PNC added {$30000.00} to my cost to close for no reason out of nowhere. It made absolutely no sense, it was wrong, they had to correct it, and it's another reason they've given me to delay closing. Now today XX/XX/XXXX, more than a month after submitting documentation needed to close, PNC just asked me to confirm that I work remotely ( after more than a month of having documentation on my employment ). 

PNC is costing me XXXX of dollars, they are not giving me any info, and they are not resolving the issue. I desperately need help to force PNC to process my mortgage in a timely manner. I'm getting screwed over again and again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is an unverifiable account on my report. I've submitted XXXX rounds of certified, and notarized dispute letters and they state the account is verifiable but have not submitted the proof. Its been over XXXX days Since XX/XX/2021 since my second round of dispute letters.

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 2021-05-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
First I am once again notifying you for the XXXX time that my information was impacted by the XXXX  data breach. 

This is in response to a notice that I received from that the CFPB. I was informed that my complaint was deemed by your company as distrustful on my part due to you feel my report was not created by me. I feel that this is another attack on my character by your company. I feel like your company is attempting to get around the rules set out by the FCRA in section 611 ( a ) ( b ) ( c ). 

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taking advantage of and being ignored of my disputes. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
My XXXX payment was direct deposited into my paypal account on XX/XX/2021. Upon deposit I found out that my account was limited due to " needing to verify my identity ''. I followed the guidelines to verify and was told I would have access to my XXXX within XXXX business days. XXXX days later I received an email stating I was no longer permitted to have a paypal account, and any funds in my account will be frozen until XXXX days after the XXXX of XXXX, and after the XXXX days pass I would be sent instructions on how to collect my funds when they are released from the account freeze. They also started that by their decision is final and I could not appeal their decision. Ive called them multiple times trying to explain that there must be some.mix up. I only had the account for XXXX months at the time of the XXXX deposit and only made XXXX transactions in that time. They refused to look at my situation or the fact that I am unemployed already already drowning in debt and about to become homeless. This is a XXXX, to help us struggling people who were affected by the covid pandemic and the XXXX payments are meant for us to catch up on out debt. Well I think it isn't right that they can keep my funds because they say I haven't proven my identity. Can I do anything about this? I don't know.what else to do. Please help me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 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: OneMain Finance Corporation
State: GA

Complaint narrative:
These companies all have fraudulently accessed my credit report without my signed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
Received an statement stating I owe funds to the XXXX XXXX XXXX XXXX but there is evidence that I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: WA

Complaint narrative:
I recently applied for a XXXX XXXX with XXXX XXXX. I was informed that my credit report showed a large amount of credit applications and accounts that are not mine. One report ( Experian ) showed different names and XXXX different social # 's. I did contact experian ... they did remove some, but not all of the entries. I don't know if this is an identity theft or clerical error, but it keeps me from being able to get a loan. I am a disabled XXXX trying to live on XXXX XXXX thus I am unable to pay a credit repair company to handle this matter. Any help is greatly appreciated.

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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX Account Number : XXXX Balance : {$38.00} Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Please remove it from my credit report. 

XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Please remove it from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX Balance : {$960.00} Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: GA

Complaint narrative:
I am an XXXX XXXX victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the XXXX, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My Mortgage was XXXX to begin with. I did a 3 month deferment due covid layoff. While in deferment I received an escrow shortage statement. I was given 2 options. Opt 1 was to pay nothing and be charged XXXX. Opt 2 was to pay XXXX  and new bill would be XXXX. I paid XXXX on XX/XX/XXXX. Conf # XXXX. I was still charged XXXX  anyway. After speaking with many representatives in Mortgage, escrow and customer service, the problem was fixed. XXXX, I paid XXXX. Conf # XXXX. XX/XX/XXXX I paid XXXX conf # XXXX. XXXX, I paid XXXX. Conf # XXXX. I paid XXXX ea month from XXXX to XXXX. In XXXX. I recieved a refund for XXXX. I also recieved a letter stating that the payment of XXXX was returned so I paid it again on XX/XX/XXXX. In XXXX. my bill was XXXX. I called to inquire about the change and I was told I had money that was just sitting there and they applied it which lowered the payment. I call again to make payment and the automation stated I owed {$15.00}. I paid the XXXX anyways. Conf # XXXX. I didn't receive a statement for XXXX. I recieved another escrow shortage statement instead. The 2 opts. are pay nothing and bill will be XXXX  or pay XXXX  and bill will be XXXX. I called to get understanding and was told it was due to increase in insurance. My insurance only went up {$35.00} a month. No one at BoA can explain what is happening and the numbers don't match up. Please help. They have made my home owner experience very difficult.

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 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
On XX/XX/2021 wife tried to pay Escrow shortage on line with PHH Mortgage and was unable to do so. Wife called and was told we need to sign a document to be able to pay online and they would email it to us. Rep told us there would be a {$19.00} charge to do it over the phone, rep said they would waive fee. 
Wife tried to pay mortgage online thru PHH web site and is unable to. I called on XX/XX/2021 after she printed the document and document states this is " A signed amendment to the original note is required " I asked the Rep Agent ID XXXX if there is a fee and she stated there would be no fee for a AutoPay program or Reg US Mail XXXX which is stated on page 1 of the form ), I also asked if this was an amendment to our Mortgage and she stated no but, it says " A signed amendment to the original note is required ''. 
On note amendment # 2 states can charge up to {$19.00} per payment for payment methods not specifically provided for by the note, such fees are not limited to cost of processing or making payments methods available. 
On note amendment # 3 fees may include payments over the phone with a rep, automated phone system, online, or other methods not expressly provided by note.

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 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Insight Management Partners, LLC
State: PA

Complaint narrative:
On XX/XX/21 at XXXX XXXX  XXXX XXXX XXXX I was contacted by XXXX XXXX XXXX Insight Management Partners about a debt owed to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed the company may have secured my telephone number from the XXXX I believe this company got my telephone number either from the dark web or from lists of phone numbers obtained through hacking of social media sites such as XXXX. If Insight Management Partners obtained my telephone number through these means, the company should be investigated and a class action lawsuit should be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Block, Inc.
State: TX

Complaint narrative:
We were sent a XXXX XXXX by Cash App under my husband 's name and address. My husband has never used the Cash App and never requested any such credit or debit card. We suspect fraud by either the company or someone else who is using my husband 's identity. Cash App is only available via email for customer service and has continued to miss the point of our concerns. They have not addressed the issue of apparent fraud or explained what happened here for our peace of mind and understanding. Additionally, it is not possible to reach the XXXXXXXX XXXX  XXXX XXXX listed on the card. Is is very alarming to receive a card with your name on it that you had nothing to do with and we are getting very little help or reassurance from Cash App and Square, Inc. in regard to this matter. The company seems to have very poor safety and security measures in place and does very little to assist customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There is an unverifiable account on my report. I've submitted 2 rounds of certified, and notarized dispute letters and they state the account is verifiable but have not submitted the proof. Its been over 30 days Since XX/XX/2021 since my second round of dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I sent RMP, LLC a debt validation letter on XX/XX/2021 which was delivered on XX/XX/2021 by UPS. It is now XX/XX/2021 and I have yet to receive any information validating the debts that are currently being reporting on my credit reports. I also never received any initial communication from RMP, LLC regarding this debt. The only way I know it exists is because I monitor my credit reports and noticed that it is being reported. And since I did not receive any letters from RMP, LLC prior to them starting to report the debt to the credit bureaus, I also never received any disclosure of my rights to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I tried to deposit {$2500.00} into my Coinbase XXXX  account. I had forgotten to transfer my money from my checkings account to my savings account, so the transfer failed. Immediately after realizing, I added the money to my checkings account, and then the transfer was successful. 
The money was deposited into my Coinbase XXXX account, but then my account was completely disabled. I am currently unable to transfer money back into my bank account, which is a huge problem for me. I am also not able to buy/sell XXXX, meaning I'm being exposed to much more risk than I want. I previously had {$2500.00} in Coinbase XXXX meaning over {$5000.00} of my savings is frozen. 
I have three unresolved email threads with XXXX, but each time they stop responding. They gave me some very simple advice such as " refresh the app '', " update the app '', " logout and login '', which are not helpful. It seems that they have disabled my account on their end, and all this would take to resolve is a switch on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: TX

Complaint narrative:
Chase Fraud Dept notified via text that potential fraud on my Amazon Visa XXXX XXXX  I went online to check my XXXX Chase credit card accts and found that there had been a charge from XXXX XXXX for {$1500.00}. I called Chase Fraud Dept and told them that this charge was not one that I had made, I usually don't shop at XXXX XXXX The customer service person closed my credit card and opened a new one up for me but moved the amount over to my new card which they say I am still to pay payments until they can prove this was not me. 

I contacted XXXX XXXX XXXXXXXX XXXX  and was able to get a copy of the recall receipt which does not have any information about what was purchased but, I did find out that it was 2 @ XXXX XXXX. I have no idea what XXXX XXXX are? 

The person that purchased these XXXX  used a ( XXXX ) # # # - XXXX phone number which my area code is XXXX XXXX XXXX. They used an E-mail acct of XXXXr @ XXXX XXXX XXXX XXXX is XXXX. 

XXXX XXXX said that they did a 'carry-out ' and there is no identification used to pick this up. 

The Address for XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX The XXXX XXXX XXXX XXXX XXXX is : XXXX

Company response to consumer: Closed with explanation