vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I was victim of a fraud against me and my PNC account # XXXX. When I was notified by the bank on the first week of XXXX that my account was under a potential fraud, I took immediately action and opened a case with the local police department case # XXXX, I also placed a fraud alert with the credit bureaus reference # XXXX. 
However, the PNC bank department of dispute didnt even looked at the evidence that I am also attaching here and decide to rule that I was the responsible for the balance moved out of my account by a fraudulent check sent to me by a company that pretended to hire me. 
I was contacted at indeed by someone named XXXX XXXX to work for her as personal assistant. This person requested my bank information, address as well social security number to register me as her employee and she sent a check by mail to be deposit at my bank account so I would use the funds to make some payments for her and buy computer and office supplies. The check was bounced several days after being in the account. The bank claimed that the documentation I am providing here was irrelevant and that I should take full responsibility for the fraud balance. I said to the bank representative that I was the one suffering the fraud against, I am not the part of the fraudulent scheme and bank investigation team and decision should had considered the information attached. 
The bank completed disregarded all these evidences and decide to close my accounts and now are coming against me for the fraudulent balance. 
I am here asking for your help to first looking into the evidence and help the bank to see it was a fraud against me and cancel this fraudulent balance against me. The bank also should control better the fraudulent checks and not let the balance be available in cases like the check is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been denied credit for years due to the fact that unauthorized charges and inaccurate balance and credit limit information has been reported on my credit file. I submitted a police report since 2018 and nothing has been done. The accounts have not been updated they have now been closed and charged off leaving derrogatory remarks on my 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 non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been denied credit for years due to the fact that unauthorized charges and inaccurate balance and credit limit information has been reported on my credit file. I submitted a police report since 2018 and nothing has been done. The accounts have not been updated they have now been closed and charged off leaving derrogatory remarks on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: AZ

Complaint narrative:
I tried reaching out to this bureau several times about inquiries that do not belong to me! this info is fraudulent and i want it investigated and removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: AZ

Complaint narrative:
I tried reaching out to this bureau several times about inquiries that do not belong to me! this info is fraudulent and i want it investigated and removed from 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 non-monetary relief
Consumer complaint received 2022-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On the XXXX of XXXX I filed a claim with Bank of America for an unauthorized transaction. While I was at work, I lost my Debit card which resulted in unauthorized charges of {$1600.00} at a mall in XXXX XXXX, TX. I spoke with Bank of America today and they denied my claim, stating that I didn't report the charge in a timely manner. It was 3 days, and in that 3 days I traveled from XXXX to XXXX XXXX for work related emergencies. That {$1600.00} was strictly for my daughters new car and Bank of America won't help me at all. This is extremely hard times and {$1600.00} is a lot for me and my family. I don't know what else to do, please help me. Thank you Claim number with Bank of America 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 2022-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
My family went into a Covid 19 forbearance with Freedom Mortgage. It was supposed to end on XXXX XXXX. I called in XXXX to get information on refinancing options and she wanted to review them. At the time I was not available to dicuss the options. Since XX/XX/XXXX there was no communication until XXXX XXXX. I received a letter dated for XXXX XXXX that stated we were in default for {$46000.00} with a {$15.00} fee a and {$2.00} Less amount in Suspense. I then called to ask why I was'nt notified when we will be coming out of forbearance and why was not I given any options on how to exit. She stated they don't have to that is not how forbearance works and they were waiting on me to call them. Now i have to do it manually and it will take up to 30 days in the meantime they will report to the default to the bureaus. This mortgage company is going to use this tactic to force families into foreclosure. You have to catch it before people loose their homes.

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 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: CA

Complaint narrative:
ELAN CACS CC account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( ELAN CACS CC 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 non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
My fiancee amd I were XXXX shopping in 2 different places. We only have 1 bank account so i.had her send me.funds via cash app she sent me XXXX, XXXX, and then XXXX $ totalling XXXX $ shebsent it cash app immediately sent the payments back to her, but when they sent them back the funds were never returned to her or the bank. So they sent back money they shouldn't have and the money they show as sent back was never received back. I've been trying to deal with the company since it happened on XX/XX/XXXX but every time I get a response they contradict them selves. Once they Said they said they were all sent back then they responded again saying the XXXX $ and XXXX $ were sent back and the XXXX stayed with me. In which none is true I have their responses saved I have my statements saved and they all contradict eachother as you will see I get a different answer every time and the statements and their answers all contradict themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Per my rights as a consumer under FCRA and Section 15 USC 1681 i did not give permissible purpose nor did I give my written consent for the accounts to be published on my report and as a consumer per federal law the accounts must be removed. The accounts to be removed are as follow

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I had purchased crypto coins from coinbase. as days went, the amount of crypto coins were in my wallet started to disappear. I called coinbase, there was no response for a few days. I was finally able to get a hold of them eventually, when they picked up the phone, they said that there was a glitch in the system that lowered the coins in the wallet. They took the blame for it and but they never returned the coins.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
On around XX/XX/XXXX, XXXX applied for a Payday Loan for {$200.00} and charge was {$35.00} fees. 
I contacted Facility Managers that was going through a Family Financial Hardship during Covid19 Pandemic issues after I received the payday loan and plus also I lost or stolen checks. 
In which I notified XXXX XXXX and Bank Managers Closed my checking account to protect my identity, and much more.. XXXX XXXX XXXX  and XXXX XXXX Manger was contacted and explain the issues and I requested to make a payment arrangements. But Manager declined my requests and they deposit the check of {$23000.00} with XXXX XXXX  that was Closed around XXXX XXXX. 

XXXX XXXX XXXX Managers intentionally are charging extra fees of {$15.00} and more. I have told Managers that I was XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX Veteran.and I only receive XXXXXXXX XXXX XXXX but Managers didn't want acknowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, On XX/XX/XXXX, I received a letter through the Secure Message Center that my Chase XXXX XXXX # XXXX was being closed. 

On XX/XX/XXXX, I contacted the phone number XXXX ( Fraud Department ) referenced in the closure letter, and requested a reconsideration in this decision. The case was referred to a supervisor for review, and possible reinstatement. 

On XX/XX/XXXX, I received a call from the supervisor, whom my application was referred to, for review, and he informed me that my account is being reinstated. 

On XX/XX/XXXX, I logged into the Chase mobile app, and again noticed that my credit card account shows as closed. 

I contacted Chase customer service again, was referred to somebody named XXXX again from the Fraud department, and he told me since I have failed to safeguard my account, he is closing my credit card account. 

Fraud had occurred on my account 2 times in the past, and both times the bank had done an investigation, and ruled in my favor. In early XX/XX/XXXX, I thought my card was missing, reported my card as lost, and 2 transactions as fraudulent, however, after I learned, on my own, that my card had actually been used by another household member, without my knowledge, I called in, withdrew the claim, and I am not sure why the Fraud department was still handling my account after the claim had been withdrawn. 

The decision to close my account for the 2nd time in the span of 2 weeks is completely unacceptable. I would have understood the decision to close the account once, but reopening the account, only to have it closed a week after by another person is just an organizational XXXX. 

I, hereby, request Chase to be courteous and reinstate the account, due to the error that occurred on their side for closing the account, then reopening the account by a supervisor, and then closing the account by another person, all in the span of 2 weeks. 

If Chase insists on closure of this account, and not fixing this error, please at least reimburse for the {$520.00} annual fee that was paid on XX/XX/XXXX, in order for me to be able to use this account for a full year, which I have been deprived of. 

Thank you for your time and consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
had a medical debt with dignity health for {$120.00}, finally paid it off but now progressive mgmt systems has damaged my credit score badly as i made payments to solve this debt as i paid the hospital directly instead of going thru progressive mgmt systems & is playing mean with me to damage my score maliciously due to the fact i didn't pay the debt to them but to the hospital!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: NY

Complaint narrative:
To whom this may concern. I sent a letter out to the Grant & Weber debt collection agency on XXXX XX/XX/2021 requesting a complete audit trail, explanation of the alleged debt that is showing on my credit report, my signature showing I gave Grant & Weber authorization to report any information on my credit report, and a signature showing that I gave them permission to have my personal information in their possession. This company failed to respond to me. I also requested an agreement that grants them the authority to collect the alleged debt from me, a copy of their state license, and the license number that gave them rights to collect in my state ( New York State ), the purchase agreement, and other things that will be listed in the attached letter I sent them. I informed them if they lacked proof that I gave them permission to use my social security number, they are committing identity theft and I will report them. At this point in time they have ignored my request, and I have not received any correspondence from them as of yet. I am requesting you contact this entity so that they will provide the documents that I requested and deleted this information from 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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2022 I sent in my police report and my FTC affidavit to the three credit bureaus. I called last month and spoke to XXXX, XXXX, and Equifax fraud department who asked me to send in my fraud package. After sending them they did not comply with anything and said they dont have to block the fraudulent account even after providing them a police report and FTC XXXX The sent me some generated letter saying if I want to block the fraudulent account to send in the Police report affidavit that I have already sent. I spoke to XXXX who was in XXXX who said he was from the fraud department integrity team and stated that he didnt have to follow the FCRA rules and regulations. I explained that I received a letter saying if I wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605N to keep sending in my police report. I have done everything in my power to fix this fraudulent information that has caused me a great deal of damage and embarrassment. Also with XXXX XXXX deformation of character by accusing me in the generated letter stating that my police report was not filed when in fact it is filed with the police department. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
Financial Recovery Services , Inc. sent an addressed letter to my boss personal home regarding my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all SecuritXXXX freezes at once.

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 2022-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Per my rights as a consumer under FCRA and Section 15 USC 1681 i did not give permissible purpose nor did I give my written consent for the accounts to be published on my report and as a consumer per federal law the accounts must be removed. The accounts to be removed are as follows

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I called bank of America to replace my credit card on XXXX.And the phone customer service told me the new card would be mailed within ten days, I waited two months, called and he said my credit card account had been closed. Then I called a lot of times to get the problem resolved for me. They said they closed my account because of a misunderstanding. Just the only credit card I have. So I don't have my full credit anymore. Resulting in me not being able to open credit cards anymore.

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 2022-01-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
( XXXX ) XXXX, this phone number which is Navient repeatedly calls every XXXX hours. They have called 6 times today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a XXXX credit card with Capital one. I made XXXX payments to Capital one which were to a closed capital one account instead of the new account before the problem was caught. I have resolved this multiple times with Capital one with bank statements and i have taken two days off work to go to my bank ( XXXX ) to sit and go through all the money transactions with both XXXX and Capital One. However i keep receiving mailings that this issue is not resolved and the money keeps getting debted out of my account. My bank is frustrated as they have provided all the information to capital via whatever secret backdoor numbers they communicate with while i sat and listened to the entire conversation. This transaction was just reversed again and i am at a loss of where to get this resolved. One payment was {$500.00} and another was {$1500.00}. I have an XXXX XXXX XXXX because i pay my bills but this problem is not getting resolved.

Company response to consumer: Closed with non-monetary relief