vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Received auto email notification from PNC bank - Reported wire transfer of {$100000.00} + Cash withdrawal of {$100.00}, {$400.00}, {$500.00} New DEBIT Card request in person at local PNC-XXXX XXXX XXXXXXXXFL branch ( looks like ) end four-digit xxx XXXX ( as per auto generated email notification - do know full number ) in person at PNC-XXXX  XXXX XXXX - FL. - Also, as per local PNC branch/banker while looking at account activity someone also added new phone number XXXX ( unknown number ) by log in to same account on XXXX XXXX at XXXX PM. - its more than 3 weeks and I do not see our wire transfer $ $ back into our account. 
- As of fraud activities I talk to several bank officer in person and over the phone. and PNC bank admit that their office did not follow their own guidelines and pass wire transfer request without identifying right person. 
-I file complain at ETF online. I also file complain at local police dept., and I am very impressed with their help including their detective officer help. 
- As of today, I am kind of lost and do not know what i should do next?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: CA

Complaint narrative:
Since XX/XX/2022 I been trying to make correction in my credit report, the furnisher verified the disputed information as accurate and the credit reporting agency completed XXXX  investigations and has failed to make delete make corrections despite the fact that the information disputed can not be verified by the furnisher. Credit Agency deleted as they fit in order to complete investigations. Furthermore according to California Consumer 's Law, I am still waiting for credit agency to provide precisely the way the investigation was completed. As of this date, continues to report trade line incomplete and with errors. 
The furnisher, refuses to comply and has failed to comply with my request to produce documents requested for the disputed information. 
Attachment below shows a last attempt to fix the issue spent over an hour getting nowhere due to the unqualified employees, limit access or unable to escalate calls since they are all working from home or in XXXX. Lastly, the representative made me, in order to be able to assist me to provide the full social security number, despite the fact that I provided a full account #. 
Furnisher advised, " we do not have the records '', Transition verified that Xs were placed in the trade line because the furnisher did not know the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XXXX I called Wells Fargo to bring my account current. I hadnt made a full payment since XXXX. I was told that their was nothing I can do, they were in the middle of pulling some information from the XXXX. My options were to refinance or pay the car in full. Thats it. I tried to refinance multiple times but I couldnt because of my credit. 

Fast forward to XX/XX/XXXX, Wells Fargo called me. They said my options were to reticent, or sell the car to a dealership or to make four payments to pay it off or to pay the car off. I was never told about the selling the car option, I told the person to pull up the notes from my last conversation with them. I was never told about selling the car, I was told two options and thats it. In which I started the process of filing for bankruptcy and talking to an attorney. 

I feel Wells Fargo deceived me. I was so stressed out about how to proceed with the loan, if I was given the option to sell the car I would have done it immediately when I could have gotten the most worth out of 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 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America allowed XXXX, who I reported as fraudulent, to steal my money & made a deal with XXXX XXXX XXXX Bank of America corroborated with XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX  has admitted to me in XXXX now XX/XX/2022 that a refund is necessary and that BOA can contact them but its lostvnow in fraudulent Bank of America !

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 2022-07-07 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my checking account. When I tried to reach out to them several times from XXXX XXXX they only gave me a response saying it was a business discussion, thats all the information you can provide you. Recently before that in XXXX I was at a park playing basketball when my phone & Wallet where stole. The Thieves somehow managed to access my card & went to an atm & withdraw {$1500.00} dollars out of my account, I dont Know the exact day but it was in middle XXXX. I have an XXXX so I was able to track my phone & recover it but not my wallet with my information, when calling Bank of America to report my {$1500.00} dollars missing I had to file an dispute in which they provided a temporary credit but eventually overturned it. When I talk to someone about why it was overturned I was told by an Bank of America employee on the phone that you claim was denied because our ATMs team member who viewed the footage says the person seen in the video looks like you withdrawing the money which to me was very offensive because I know if they looked at footage on any other day they would see a totally different person then the person who took my money. With that information that led me to know the suspect who stole my phone & Wallet was an XXXX XXXX because I myself am. There was also another dispute I filed from my checking account with them for {$2500.00} dollars that the same person transferred to XXXX XXXX from my account when they had possession of my phone. When I filed that dispute they didnt offer me a temporary credit they told me I needed to fax a police report & which I had and a hand written letter explaining the chain of events in which I did. weeks later no response when I called and spoke to someone they say my information was never received somehow they provided me with the old fax number the first time I have to re fax the information & my account was in the process of closing Ive been dealing with this situation since XXXX I finally got my credits in XXXX of XX/XX/XXXXXX/XX/XXXX& XX/XX/2022 but due to them messing up my consumer credit report no bank will approve me because of their false accusations.

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 2022-07-07 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Navy Federal Credit Union ( NFCU ). With this dispute I provided documentation and evidence I returned the vehicle on XX/XX/XXXX to the XXXX airport. NFCU declined to investigate this incident, refused to consider the documentation and evidence I provided, and simply deferred to the merchant. I appealed this decision and asked them for a copy of their investigation and the documentation used to arrive at this decision. NFCU provided me with no investigative report and no evidence any investigation occurred -- the only documentation referenced in the determination of their decision was the Merchant Rebuttal from XXXX. 

I have photos of the vehicle returned to the XXXX airport, clearly showing the location as XXXX airport, time stamped at approximately XXXX XX/XX/XXXX, and marked with GPS coordinates from the phone used to take the photo indicating the photo was taken at XXXX airport . I have photos of the receipt for the gas station to fill up the car before returning it to the airport. I have evidence of my flight activity showing I departed Florida days prior to when XXXX claims the vehicle was returned. XXXX, to my knowledge, has provided XXXX  evidence their bill reflects an accurate or reasonable reflection of the services rendered to me. I provided all of this evidence to NFCU, however they refused to reconsider their decision or even reopen their investigation. 

After much back and forth with XXXX, they eventually acknowledged a discrepancy and revised the charge for this rental to {$200.00}. However this amount is still far above what I expect to owe, and NFCU provided XXXX assistance or independent effort to understand or correct this error. 

I feel doubly cheated, first by XXXX for this billing error/fraud, and second by NFCU for refusing to investigate and take action on this billing error/fraud. And to add insult to injury, neither company will provide reasonable explanations for their decision making process or justifications for their ( in ) actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I received notice from XXXX XXXX that I had a negative report from a collection agency called Credence Resource Management for {$740.00}. I called them and found out that the collection effort was given to them by XXXX XXXX XXXX. I informed them that I had no such debt, and that I had not lived in Florida for 10 years, and did not recognize the address of the XXXX XXXX XXXX service. Credence said that they would send me a package to complete and send back. Interestingly, the social security associated with the debt was my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX/XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On or around XX/XX/2022 I requested all 3 consumer credit reports. XXXX verified my identify immediately, TransUnion indicated they could not identify me, and XXXX simply rejected my request with the same response " We could not identify you. '' TransUnion sent me a post card on XX/XX/2022 indicating that someone had tried to get my credit report. They asked for two forms of identification. I sent them my VA Real-ID Drivers ' License and my social security card. 

No response. I really need to get these credit reports.

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The issue is that I have a card that is 23 years old and has a good ratio of available credit. I have a second credit card with the same company, XXXX XXXX. The newer card appears on my credit report but the one that is 23 years old does not. The 23 year card is, in fact, the oldest credit card I own that is still active. 

I tried to fix this issue with experian boost in XX/XX/2022. I then called my credit card company today to verify reporting. They verified that all of my accounts are reported to all 3 credit bureaus. I can see this account on the other 2 credit bureau reports but not Experian. 

I called Experian and was referred to a dispute specialist. I was told they could only see one account on my report. Something I already knew. The rep seemed unwilling to investigate or provide any other help. I had to request an escalation. At which point I was told a supervisor would call me in 48 to 72 hours. I have little hope I will actually get to talk to a supervisor because I have unknown callers on my phone silenced to avoid scammers and telemarketers. I am attaching the XXXX page that shows the card that is missing from Experian to prove what my credit card company is saying. Also attached are snapshots that show the card that is being reported on Experian.

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 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited a check in XXXX for XXXX.dollars that a friend had gotten on a sale of a tractor that we both owned and sold. Went to use my debit card and they said it's frozen till they investigate the deposit. Needless to say I still haven't gotten aby of my funds. I have XXXX and can not get to the bank for its 40 miles there and 40 miles back. My drivers license burnt when my room caught a fire. 
My brother has an account with the bank .if they would just transfer the money into his account. 
This is Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Yesterday, XX/XX/2022 I was at the grocery store after a doctors appointment when I received a call and the person claimed to be a XXXXXXXX XXXX representative. 

He stated that my utility bill was overdue and that my utilities would be canceled in XXXX minutes if I dont pay electronically today. 
I was out of town for a period of time and I thought my utility bill was paid automatically but I know sometimes that can get screwed upso, in my mind the bill couldve been due The person instructed that the only way to pay was to use the cash feature on my XXXX XXXX XXXX checking account app. called Zelle. I never used this cash service before. The person assured me and said, he could walk me through getting a confirmation to allow to use this Zelle cash service. 

He instructed me to pay the outstanding balance of {$260.00} from Zelle and take a screenshot of the transaction and send it to phone number he provided I texted the payment complete along with the screenshot to the scammer. 
After a couple of minutes he said he didnt receive this text and to resend it. 
I had received a text back from that number saying they did not receive the payment from Zelle. So, I went into my checking account again duplicated the payment and resent it. 

I was in the grocery store for almost 40 minutes trying to figure this thing out.

I called the phone number that the scammer called on and I got my utility company customer service! 

I asked the customer service person what was my balance on my utility account and she said it was current. 

I tried a third time to get into my XXXX checking account by this time they locked me out of my account. 

I called XXXX customer service fraud using Zell filed a report and they stated they can not refund my account.

What a rip off and something has to be done to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
hi there, I sent {$150.00} on XXXX XX/XX/2022 to my friend in XXXX via XXXX. On XXXX XX/XX/2022, Remitly showed the money has been delivered to the desired bank account while my friend had NOT received it in his account. So I contacted Remitly using the reference number to see why my money has not been transferred? The agent who was chatting with me said although the name on the account is correct, there was a typo on the account number and the money has been transferred to another bank account! ( it was weird for me how is that possible? when the name and number don't match! ) So she said she's going to contact the bank and ask for a refund then we can re-send the money. she said it's gon na take 7-10 days, I shouldn't contact them and they will reach out to me shortly. 
Remitly never reached out to me and I didn't receive my money. So for the 2nd time, I contacted them, this time via phone. ( I think it was at the end of XXXX that I called them ). Another agent said I'm going to contact the bank right now and you will receive your refund in 7-10 days from now. Again, nothing happened. 

After the 2nd try Remitly still didn't contact me. After about 10 days ( after the 2nd try ) on XXXX XX/XX/2022, I contacted them again, and the new agent said I'm gon na write an email to the bank and ask for a refund and it's gon na take 7-10 days for you to receive your refund.

I do not trust Remitly now, I don't think they took good care of my money and I really don't understand how they could make a transaction to a wrong account number while the name doesn't match and why they are not able to contact the bank in XXXX and get my money back? 

I'm filing this complaint against Remitly because I believe they are not doing anything to resolve my issue and get my money back.

Company response to consumer: Closed with explanation