vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-03 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
XX/XX/2020 - We approached Flagstar Bank, who is the lender of our existing mortgage, for a refinance. We were offered a competitive interest rate of 2.875 % with 0 points for a refinance. We completed the loan application and submitted the requested paperwork by XX/XX/2020. We were given an " estimate of completion ( i.e., loan approval ) '' date of XX/XX/2020, and an estimated closing date of XX/XX/2020. 

XX/XX/2020 - The lender contacted us requesting additional information ( e.g., copy of driver 's license, homeowner 's insurance declaration page ). 

XX/XX/2020 - We received the Loan Estimate Statement. Instead of the 0 points we were told when we applied for the refinance, there was a charge for points of .341 %. We informed the lender that this was not the initial agreement. After being told by the lender we'd have to restart the loan process and pay off a 2nd trust deed to get 0 points, we agreed to accept .341 % points in order to close on schedule. 

XXXX XXXX -We were given a list consisting of 12 additional items needed for loan approval. Those items were provided to the lender in a timely manner ( i.e., within 24 hours ). Since that time there has been no attempt to contact us or respond to our request for an update on the loan status. 

The loan did not close on XX/XX/2020. 

XX/XX/2020 - After not hearing from the lender we, again, requested an update from the lender about the loan status, and the anticipated date for closing escrow. 

XX/XX/2020 - Still, no response from Flagstar Bank. Our rate lock will expire on XX/XX/2020 This is speculation, and feel free to remove this statement if it's deemed inappropriate, but we're wondering if they overpromised on the interest rate and are letting this drag out until the interest rate either drops or the lock expires.

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 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Tried to link bank accounts to transfer funds between them. They refuse to communicate to facilitate the transfer linking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XX/XX/XXXX I got a letter from XXXX XXXX stating the account ending XXXX I wasn't responsible for any pervious and further balanced on this account due fraud. But now I have a collection on my credit report from LVNV Funding LLC/ Hasted XXXX XXXX still showing I owe for this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, I emailed the executive branch to look into an account that is not mine but they keep validating. They sent me a computer generated letter which they say was the application. It didnt have my signature on it. The address was not mine. A couple days later some account statements came in the mine. I dont know anything about these. On XX/XX/XXXX, I sent the company a debt validation letter. They sent the same information back. My problem is not only have they fail to validate the account they fail to notify the credit bureaus that the account was being disputed during the entire process violating my rights under the FCRA. FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 

On XX/XX/XXXX, I sent them a letter notifying of their violation but all they sent me was a stall letter wanting my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I requested in writing a credit card back in the month of XXXX for personal use and was denied. I contested the denial pursuant to Truth in Lending Act and have not received a response to complaint case XXXX ; complaint # XXXX mentioned above requesting full disclosure since. Aside from the courteous assistance provided by Assistant manageXXXX XXXX I have not been able to acquire an open-credit card. 

see full credit discrimination complaint and correspondences attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: Avant Credit Corporation
State: OH

Complaint narrative:
Back in XXXX i made 2 payments to Avant. The payment on XX/XX/XXXX has their reference number of XXXX for XXXX and the payment for XX/XX/XXXX has their reference number of XXXX. They are saying i missed a payment in XXXX. At the billing cycle ending XX/XX/XXXX my balance was XXXX. I made the XXXX payment on XX/XX/XXXX with my balance showing XXXX. 

I get a statement in XXXX saying i have a XXXX balance, The XXXX statement is saying there is a payment adjustment for XXXX so i have a new balance of XXXX. I called and they said they never got a payment for XXXX again but it clearly states i did with thier reference numbers and it was taken out of my bank. 

I emailed them for the situation and again they said they never received the payment. I refuse to pay when i have statements saying my balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I'm trying to link an account to take my rent payments out of my checking and PNC won't let me link the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I was told by XXXX at Mariner Finance on XXXX XXXX, 2020 to payoff {$9000.00} before XXXX. XXXX, 2020 and there would be no interest or fees. I asked her repeatedly & she even circled the amount on my document to confirm that if I paid {$9000.00} before the 1st due date which is XXXX. XXXX, 2020 there was absolutely no interest or fees. When I called on XXXX XXXX, 2020 to confirm the payoff amount before bringing the funds into their office ( ie:1 month later & I accrued {$400.00} interest? ), they gave me a different amount of {$9400.00}. Which I tried to correct them that was incorrect from what XXXX told me & circled on my document, but they refused to listen & stated unless I paid {$9400.00} on XXXX XXXX then I would continue accruing interest before my 1st due date of XXXX. XXXX, 2020. I contacted their Branch Manager XXXX the day after, but she refused to listen to me that what I was told should be honored & that I paid before the 1st due date of XXXX. XXXX, 2020. Therefore there should be no interest or fees. Not to mention they ran my credit report for the 2nd time after I was already approved the 1st time. I also was blind-sided with them taking the title to my car for collateral, which that was not initially discussed over the phone. I would like this issue resolved with reimbursement of {$400.00}, which is the difference from the {$9000.00} that I was originally informed to pay before XXXX. XXXX, 2020.

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 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2016 I opened a Discover credit card. I always make my payments on time. During the time of my divorce i was late on some payments. I since then have paid of all the entire balance and the account has been closed. I had during the time of my divorce spoke to a manager at Discover who assured me that they understood my situation. I was told that if i paid of all of the balance on the account that not only would the account be closed but that they would remove any delinquency reporting on my credit score. As of XX/XX/XXXX the delinquency is still reporting on my credit. I have a XXXX  $ balance and the account has been paid off for a really long time. I called again and another manager reassured me that everything would get removed as of last billing cycle. IT has not. At this point I am trying to get a loan for a mortgage and this is severely affecting my ability to qualify. Discover had promised me by now that this would all be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My PNC account won't link to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
We had a balance of {$660.00}. We accidentally made two payments totaling {$1000.00}, which was over the balance owed. We noticed immediately and were unable to cancel the payment online. We called and they told us they would issue the overage ( {$330.00} ) back to our bank account in 7-14 days. They next day, they charged us {$160.00}, which was our previously scheduled monthly payment ( account was paid off, we shouldn't have been charged anything after that and they said that we would not, now that our account was paid in full. ) We contacted them again and were told that they were so sorry and now they owed us {$500.00} within the next 7-14 days. ) After that time frame passed and we did not receive the funds back, we contacted them again, they apologized and said it would actually be up to 45 days and the previous reps didn't know what they were talking about. They said we would receive the {$500.00} back by XX/XX/XXXX at the latest. We confirmed - AGAIN, that no more funds would be taken out and that we would receive the funds back by XX/XX/XXXX. They assured us 100 %. In the meantime, they took out another payment of {$160.00} on XX/XX/XXXX. This brought the total owed to us from Wells Fargo to $ XXXX.We contacted them immediately and they apologized profusely and said they would " rush '' the refund on the XX/XX/XXXX payment and we would receive it in a few days. We did not. This time we waited for XX/XX/XXXX to roll around. When we did not receive anything back from Wells Fargo, we contacted them on XX/XX/XXXX. They apologized again and said that everyone else we spoke with previously was wrong and it could actually be 60 days before we would receive anything back. They did not know or have the ability to answer why they were continuing to charge us even though we had satisfied the total account balance ( + {$660.00} ). They  continue to debit money while lying about when we will receive our refund. We are now 48 days out from the original complaint and have still haven't received any refunds of the money they have taken from us after our account was satisfied and without our consent.

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 2020-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: WI

Complaint narrative:
I do not know this AD ASTRA RECOVERY SERVICE but they are requesting for me to send them {$610.00}. Lasted reported to my credit report XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FinCo Services Inc DBA Current
State: WI

Complaint narrative:
I opened two current card from current.com. I since requested they be closed. I need written verification these card are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
I do not know who is Caine & Weiner collecter are. I never did any business with these people what so ever.They stated on XXXX XXXX i owe the {$190.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MA

Complaint narrative:
I did a transfer cashed out from my cash app account into another merchant account because cash app closed my account with puse knowledge to me so they asked me to cashed out my funds to another merchant account so I did on XX/XX/2020 and the other merchant rejected the funds because the money was trasferencia into my debit card instead of direct deposit account my debit card doesnt now allow deposits so the money was reversed back to cash app and the funds are not showing up in my cash app account the balance keeps saying XXXX and the funds that Im looking for is {$11000.00}. And it has been over 30 days now and I have tried to reach out to them via emails and I keep getting the same massage back and forth saying that my account is closed and that it has been more than a week so they close my case thats the email I keep getting repeated every time I contact them. And I want this matter resolve is my funds money that was sent to me by the government for my unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: WI

Complaint narrative:
this card showed up in the mail spontaneously I don't want these products showing up in the mail unless I request 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 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
On XX/XX/2020 my Coinbase account was restricted, they asking for my SSN which I dont have, I cant buy nor sell my cryptocurrency, all I want to do at this point is retire my funds transferring the money to my bank account which is in their system, the very same bank account that I used to buy crypto, my  funds are around 4K to 5k dollars as right now, I invested around 3.5 k dollars, all I wan na do is to get my money, they are keeping my funds hostage ( basically they are stealing my money, is this legal? ) I have tax Id number and Ive paid my taxes every year that I had income, I hope they dont get away with this scam letting people like my self opening accounts not requiring ssn to do it and then freeze the account asking for ssn and keeping the money, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WI

Complaint narrative:
{$1000.00} enhancemed recovery company claims I owe them. Ive never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I want my free annual credit report and or a complimentary credit report from all three credit bureaus. the reason for this request is updated info and victim of three scams online including fraudulent charges and identity theft.

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 2020-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I want my free annual credit report and or a complimentary credit report from all three credit bureaus. the reason for this request is updated info and victim of three scams online including fraudulent charges and identity theft.

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 2020-08-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my 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 2020-08-03 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: WI

Complaint narrative:
I am requesting my annual free credit report from Equifax because of updates and am a victim of scams, fraud and id theft.

Company response to consumer: Closed with explanation