vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Was promised a job that I got. They then sent me a {$3100.00} check to purchase my mini home office. But wanted me to use their credited vendors. Via XXXX  and XXXX XXXX. I sent {$2300.00} in total. XXXX via XXXX XXXX and XXXX via XXXX XXXX. To the apposed credited vendors. Then, 5 days later the check bounced and I tried gwtting my koney back and XXXX XXXX is refusing to pay. Telling me I should ask the person a refund which I did and they denied it. XXXX XXXX refused to help any further. XXXX XXXX  is taking their sweet time and is under review. I called my bank and tried to dispute the check in general along with those charges I made ending up being part of the scam. Not bank account is over XXXX in the negative with acquiring {$36.00} over draft fee every day its in the negative. I just want the entire check to be cleared. I have screen shots of the purchases and emails with the so called " job '' I qas hired with. I even filled out a w4 for the company so I assumed it qas a legitimate business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had frozen my credit after the Equifax breach in 2017 and received 10 digit PIN for unfreezing the same. 
Now when i am trying to unfreeze the credit, Equifax is requesting to send Social Security and Driving license copies. 
These were sent by mail on XX/XX/XXXX and again by fax XXXX to XXXX XXXX on XX/XX/XXXX, however Equifax is claiming that documents were not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: OH

Complaint narrative:
On XX/XX/20, I contacted XXXX/XXXX  by phone due to this account being opened due to identity theft. I did not open this account. The rep said she closed the account.

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 2020-09-30 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 applied for a XXXX 's credit card a few weeks ago and I was not approved on the spot now today XX/XX/2020 I received a letter in the mail stating that the reason I was not approved was because there are many accounts and inquiries reflecting badly on my credit history. I had no idea what accounts they were referring to so I looked through my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way ; I have never signed any contract or agreement with any of the companies listed on this report nor did I ever give them permission to run or access my credit file. I did not benefit anything ( money, goods, services ) from these accounts that were opened without my permission and I did not make any payments towards any of these balances. I have already filed a police report regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2020, my XXXX was compromised by a person unknown to me named XXXX XXXX and the suspect was able to send themselves over {$1500.00} before my bank SANTANDER detected the fraud and immediately shut down the card. After receiving the email notifying me of the fraud, I spoke with a customer representative who told me they were immediately suspicious of the large amounts of money coming out of my account and I will receive the money that was stolen from me within 10 days of the theft. I did receive all of my funds back and was extremely pleased but then things took a turn for the worse when SANTANDER sent me a letter stating that the merchant XXXX XXXX XXXX XXXX was correct in the theft that was conducted! I have been going back and forth with SANTANDER to determine what kind of an investigation was done to come to the conclusion that this thief had a right to access my money and I am only given the run around! They have left me no choice but to file a police report which I have already done. I plan on sending a copy of this report to the SANTANDER FRAUD DEPARTMENT and hopefully you can help me in some way!

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 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have made contact with the company XX/XX/2020 to see what this information is in regards. I have been informed by the rep this is a credit card. I have informed the rep that I never owned XXXX credit card and the rep stated that I was a liar. I have requested the documentation with a copy of the application, copy of my license, and a validation letter but never received the information. The rep informed me that I will be sued if I dont pay the balance in full. The rep mentioned to contact my place of employment which I have asked her the name of my place of employment and she wouldnt tell me. The rep also mentioned that I was an abusive retail liar and hung up the phone after I have asked for her to repeat her name. How do I go by getting the help to report this information and should I seek legal action against the company. LVNV Funding have terrorized my life with the verbal abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
In 2010, XXXX XXXX XXXX ( then backed by XXXX XXXX  ) offered to modify my loan but only upon default. Once the loan was in default, the new owner, XXXX  ( XXXX XXXX XXXX  - XXXX  )  did not offer a viable loan modification. And XXXX  was unable to lawfully proceed with foreclosure. Shortly thereafter, XXXX XXXX dropped its protections and no longer secures the loan. As a result, XXXX sold the loan, and it has been sold again several times over the last decade. The current note holder, XXXX XXXX XXXX XXXX, by XXXX XXXX XXXX XXXX, not in its Individual Capacity but Solely as Certificate Trustee, nor its servicer, Shellpoint Mortgage Servicing are willing to offer a viable loan modification. The Trustee has begun a foreclosure process and sent a Debt Validation Notice, which Notice states that the debt currently owed exceeds {$400000.00} -- due to interest, late charges, and other charges, etc. This debt is unverified. And I'm requesting to know all the information that I'm entitled to under the laws so that I may continue  to negotiate viable loan terms and remain in my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I received a notice thru my XXXX  monitoring that on XX/XX/XXXX Receivables Performance Management, XXXX WA placed a collections acct on my credit report in the amount of {$230.00}. I contacted them proactively to learn that it was due to a fraudulent acct being set up with XXXX, a cable and communications company in GA. 

I contacted XXXX  to try to sort out the situation and they would provide me very little information other than the address .... XXXX XXXX XXXX ; XXXX GA. Opened in XX/XX/XXXX and they closed in XX/XX/XXXX. I explained I never lived or know anyone who has lived in that area or address. All they had was my name and social.

Since that time I have received daily calls from Receivables Performance Management. I have requested each time they send me the the forms required to officially report this a fraud. They, after 5 requests have still not done so. I have also informed them they are calling me a work and to stop ... they continue to do so everyday. As a result my credit score has dropped 122 poin
t from approximately XXXX to the low XXXX 's. 

All I am asking is to not harass me at work and to aid me in filling the needed paperwork to clear, They are required to do both at my request so I am filling the complaint against them and 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 2020-09-30 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
I awoke on Saturday, XX/XX/2020 to discover that someone had used my PayPal Business Debit MasterCard to charge {$550.00} to various merchants. Naturally, I called PayPal to report this and request that my card be deactivated. No one was available to take me call. Certainly I was prepared to wait on hold for an extended period, but I did not expect to be disconnected. After some online and automated telephone research, I managed to close the account. I'm currently contesting the charges as they clear my account. Given the importance of the situation ( and my past 12 years of experience with PayPal ) I feel that it is critical that an ACTUAL PERSON discuss this matter with me. Again, this morning, I attempted to call PayPal. Again, I was told by a computer voice that they had high call volume and couldn't help me. This is absurd. Rather than rely on their website for a resolution, it's imperative that I speak to an actual person. I will also be reporting this situation to the Maryland Attorney General 's Office and the XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-30 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 applied for a XXXX 's credit card a few weeks ago and I was not approved on the spot now today XX/XX/2020 I received a letter in the mail stating that the reason I was not approved was because there are many accounts and inquiries reflecting badly on my credit history. I had no idea what accounts they were referring to so I looked through my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way ; I have never signed any contract or agreement with any of the companies listed on this report nor did I ever give them permission to run or access my credit file. I did not benefit anything ( money, goods, services ) from these accounts that were opened without my permission and I did not make any payments towards any of these balances. I have already filed a police report regarding these suspicious accounts.

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 2020-09-30 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: CA

Complaint narrative:
I applied for a XXXX 's credit card a few weeks ago and I was not approved on the spot now today XX/XX/2020 I received a letter in the mail stating that the reason I was not approved was because there are many accounts and inquiries reflecting badly on my credit history. I had no idea what accounts they were referring to so I looked through my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way ; I have never signed any contract or agreement with any of the companies listed on this report nor did I ever give them permission to run or access my credit file. I did not benefit anything ( money, goods, services ) from these accounts that were opened without my permission and I did not make any payments towards any of these balances. I have already filed a police report regarding these suspicious accounts.

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 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have had a mortgage with Bank of America for several years, my payment never included an escrow. They paid my XXXX property tax without my knowledge. I received a refund from my county tax office. I in turn sent that money to Bank of America, ask them them to take the escrow off my account, they assured me that would, this  was XX/XX/XXXX. In XXXX they had added the escrow back on without my approval or letting me know that had done so. I called them back ask them again to take it off, once again they assured me that they would. They still did not do as they promised, and in XXXX this year they paid my taxes again, I attempted to pay the back once again, but they are attempting to make me pay {$260.00} more than my tax bill is. I have attempted to contact them on several occasions. I can not get thru the escrow Dept. nor will that call me upon my request. Today they sent me an email from collections. I called them at their request and offered to pay the amount of the tax bill {$360.00} and take the escrow so I can get this behind me. They will not accept my offer, nor can i get in touch with customer service

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 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Direct contact was made with Cach LLC in XX/XX/2020 via certified mail in an attempt to validate the debt that is on my credit report. The original creditor, XXXX XXXX, does not report on my credit report and this company has no right to try and collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
Started the process of refinancing with quicken loans on XX/XX/2020, and my process was directed to XXXX XXXX, at first he was very kind and helpful, towards the end of the month he started treating me like if I was stupid and like if he was doing me the favor of doing the process with me, the estimated closing cost to refinance I was given was close to {$12000.00} for 2.75 interest, at first I was ok with it but knew someone that was doing the same process with someone else and he was getting charged half of that, I decided to get another estimate and now I'm paying {$6000.00} closing costs with 2.5 interest, so obviously i decided to cancel the process with Quicken Loans, contacted XXXX 's supervisor XXXX XXXX to cancel the process, and he said it was ok, already had done the appraisal with them so my new lender contacted XXXX to get those documents but he refused to, apparently he was mad and just did not want to transfer that document so I have to pay for appraisal again which I rather do since Quicken Loans, XXXX XXXX and XXXX XXXX was trying to rip me off. I recomend every one to take the time and look at your options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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 — Investigation took more than 30 days
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Good Morning ; I'm not sure what's going on with M & T Bank, i had called them before and i received my title for the vehicle. Why it showing that i was late on XX/XX/2020. That doesn't make sense if they received the last payment since XXXX and sent me my title. I have been trying now to fix this late payment since then and it's taken more than 60 days to get a response and it's still not fixed. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-09-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA Federal Savings Bank failed to meet their legal obligations pursuant to 15 U.S. Code 1666. ( a ) ( 3 ) ( B ) ( ii ) by failing to send a  complete written explanation to the obligor ( XXXX XXXX XXXX ) of the investigation conducted by the creditor. On XXXX XX/XX/2020, a USAA CEO member relations representative stated that only a partial written explanation of the investigation was required and that further investigation details would only be passed via non-written means ( i.e. telephone ) and can not pursue the matter further due to Visa policy. Specifically, USAA has refused to provide a detailed record of the telephone contact attempts ( i.e. a list of call dates and times ) to me during this investigation. Additionally, the USAA CEO member relations representative acknowledged that their credit card dispute representative did refuse to contact me regarding my case but offered no written explanation for this contact refusal. I have over 1 dozen documented attempts to receive a full written explanation of USAAs investigation and transcripts of those attempts are included with this complaint. As USAA failed to comply with this legal provision [ 15 U.S. Code 1666. ( a ) ( 3 ) ( B ) ( ii ) ] and the obligor continues to make substantially the same allegation with respect to the error, the creditor ( USAA ) has further responsibility to continue their investigation to remedy the credit card error regardless of another financial services company 's policy ( i.e. Visa ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
I was put on a forbearance plan until XX/XX/2020. When I tried to make a payment on XX/XX/2020 the representative who took my information told me he was unable to reprocess the payment due to an error on his end and put me on a deferment without my consent. I am in the middle of refinancing my property and the deferment they put me on is stopping me from doing so. Ive reached out to several departments including their loss mitigation department and no one is willing to assist me. I keep getting a run around and being told that someone will call me back, and nobody has called me back. I need to resolve this issue so Im order to refinance and not have to pay penalties or extra points

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never filed for bankruptcy and the Bankruptcy court did not furnish that information so please remove it under the fair credit reporting act

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 2020-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Consumer Financial Services
State: IL

Complaint narrative:
Ive tried telling them my payments are high my car was XXXX they charged me XXXX in total I cant afford it anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
My checking account had {$24.00} in it on the ending balance for the day. The next day I was charged {$70.00} in overdraft fees. I have a screenshot showing this. When I contacted the bank, they stated I had a negative balance so they would not be reversing my overdraft fees. I want my money back, and I do NOT want the bank contacting me. I only want the resolution in writing, so I can decide what my next steps are.

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