vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Someone reached out to me for the room I am renting. She sent me a cashier check worth {$4800.00}. However, when I received the check she sent me, I have rented the place to someone else. After I told her what happened, she asked me to deposit the check and XXXX the amount to her new landlord. I deposited the check at BOA mobile app and got the money on the next day. So I XXXX the money. A couple days later, The cashier check bounced back as it's a fake check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
After disputing this issue has identity theft it continues to be on my account. This is a loan someone got online using my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Kia Motor Finance claim I still owe {$680.00} when the car was totaled and my Gap Insurance covers the entire balance but theyre still reporting a balance when it supposed to be deleted off my credit report on XXXX XXXX and XXXX. I have recorded conversations and documents stating that this account was going to be deleted off my credit report once Gap covers the balance which they did. Now I will be filing a lawsuit in small claims court because my life has been messed up for 6 years from Kia Motor Finance for their injury to 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 2021-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
My account with Coinbase ( coinbase.com ) was hacked and {$2500.00} was withdrawn from my account. Someone hacked into the account, and withdrew transactions from XXXX and checking accounts which were connected to Coinbase. This happened on XX/XX/XXXX and is due to Coinbase 's inadequate safeguards.

I raised a complaint ( Help Ticket ) with Coinbase and they said that they would investigate and get back to me in 4-5 days. Since then I have sent them numerous emails as followups ( they have no phone number to call ) and they will not return any of my emails. I have meanwhile asked XXXX and my bank to help as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Ive called the bank multiple times due to fraud on my account was hacked information was stolen also {$250.00} child tax credit was deposited into the account that it was closed or blocked and they assured me the day before they were that that check could not go into the account which it did and then they charge me {$130.00} of overdraft fees when the night previous to the deposit there was no charges on the account. I have contacted 100 times Ive recorded the phone calls as well they will not transfer me to the correct department or etc. Citibank has stolen and held in withheld my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I called New Rez / Shellpoint mortgage and spoke to XXXX XXXX. I had checked my credit report and noticed that they had reported a 30 day late payment on XX/XX/XXXX, This mortgage had already been paid off XX/XX/XXXX. XXXX was surprised and assured me he would advise the department that incorrectly reported the error to have it corrected, he also advised me to file a dispute with XXXX, which I did on XX/XX/XXXX. 

On XX/XX/XXXX I called back and spoke with XXXX XXXX and was told that the report would update soon. As of XX/XX/XXXX still no correction so I call back and speak with XXXX, she advised that I would receive a letter of correction very soon. On XX/XX/XXXX I receive a letter from NewRez in response to my recent inquiry stating they are working on gathering information and will forward it as soon as possible. 

I make a call on XX/XX/XXXX and speak with XXXX XXXX, I asked if I can get an email stating they have corrected the reporting, he said he would send an email confirmation of the correction. I never received an email correction but I did receive an email which was a copy of my complaint to XXXX  with DRAFT written across it and it was submitted by XXXX XXXX. 
On XX/XX/XXXX I called back again and spoke with XXXX, again I was advised that it will take another 30 days for correction because they only update once a month ... .Now I am beyond frustrated. 

Here we are on XX/XX/XXXX and still no resolution so I call back and speak to XXXX XXXX who advises me there is nothing she can do, I then ask to speak to a supervisor. several minutes later XXXX, who identifies herself as a supervisor ( not sure if that is correct spelling ) said there is nothing she can do unless I send in my credit report. I asked her why I have to go through all the hoops when they made the error? I then asked her to read all the notes and she said there were too many for her to read .... seriously?? 
She was absolutely the least professional person I spoke to during this ordeal. 
I have been beyond patient with this terrible experience and would hope no other NEWREZ/SHELLPOINT customer will have to go through this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After numerous phone calls with disrespectful representatives I decided to put everything in writing with an affidavit of truth and a letter of instruction explaining that I am the consumer, natural person and original creditor. 

I also sent in a notarized affidavit stating facts about what happened. Please ask for the consumer reporting agency to share that with you at the CFPB. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) no consumer reporting agency may furnish a report under the following circumstances and not other ; In accordance with written instructions of the consumer to whom it relates. When I explained this Federal Law I was yelled at by a representative about what polices they follow and was rushed off the phone. I called back only lot be passed around and hung up again.

Pursuant to 15 U.S. Code 1681n any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. This has everything to do with inquires that I did not consent to. When I expressed that I needed them to be removed I was again faced with policy. When I asked what laws they abide by I was told FCRA but no one was able to provide with which law stood in opposition to what I requested.

Pursuant to 15 U.S. Code 1681c2 I submitted documents such as my Credit Card as defined under the Truth In Lending Act as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I provided my PA Drivers License and a XXXX XXXX and was told this was not sufficient to process my request by it then was used to update other personal information that I gave to no CRA ( consumer reporting agency ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
After numerous phone calls with disrespectful representatives I decided to put everything in writing with an affidavit of truth and a letter of instruction explaining that I am the consumer, natural person and original creditor.

I also sent in a notarized affidavit stating facts about what happened. Please ask for the consumer reporting agency to share that with you at the CFPB.

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) no consumer reporting agency may furnish a report under the following circumstances and not other ; In accordance with written instructions of the consumer to whom it relates. When I explained this Federal Law I was yelled at by a representative about what polices they follow and was rushed off the phone. I called back only lot be passed around and hung up again.

Pursuant to 15 U.S. Code 1681n any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. This has everything to do with inquires that I did not consent to. When I expressed that I needed them to be removed I was again faced with policy. When I asked what laws they abide by I was told FCRA but no one was able to provide with which law stood in opposition to what I requested.

Pursuant to 15 U.S. Code 1681c2 I submitted documents such as my Credit Card as defined under the Truth In Lending Act as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I provided my PA Drivers License and a XXXX XXXX and was told this was not sufficient to process my request by it then was used to update other personal information that I gave to no CRA ( consumer reporting agency ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed a fraud claim on XX/XX/XXXX. On XX/XX/XXXX, I had forgotten and left my phone at a restaurant. Once I realized the phone was missing, I returned to the restaurant. Spoke with the manager, who advised no cell phone had been turned in that day. Therefor, my phone was stolen at the restaurant. I called the police, who said they would file a report, but without any suspect information, it could not be further investigated. Eventually, I was able to use my iPad at home and use the Find my iPhone feature to locate my phones location. So I showed up at the home where my phone was located and was able to get my phone back. The problem was, I had no passcodes on my phone and no FaceID enabled for personal reasons. This gave the thief access to all my stored passwords and the ability to add their biometric data like FaceID, which they used to get into my bank account and send a {$500.00} unauthorized XXXX transaction. When I discovered the unauthorized transaction, I filed the claim. I was told my claim is not covered under the Zero Liability Policy as Wells Fargo concluded this transaction was authorized. That is NOT the case. On XXXX, I sent a fax with an explanation of what happened in further detail along with my police report from XX/XX/XXXX. Wells Fargo sent a letter back to me stating they are continuing to deny my claim. I called their claims center as I wanted reasoning to why my claim was still denied. The Wells Fargo representative, XXXX, advised there was nothing that could be done and hung up on me when I requested a manager. I called back and spoke with a manager, XXXX, who stated the claim is still denied due to biometric data being used to log into my Wells Fargo app. This was explained in my original claim and in my fax : the thief added their biometric data into my phone. The manager then proceeded to victim blame me and say I was at fault for not having passcodes on my phone and that there was nothing he could do to get my money back. I have submitted a full explanation of the incident that explains every reason they gave me to deny my claim, as well as a police report from the incident. This is more than enough documentation to approve my claim and yet Wells Fargo refuses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
ComenityXXXXXXXX account was opens fraudulently in my name. I do not know nothing about this account. I used to work at XXXX but managers open this account without my knowledge to make sales in order not to lose their jobs. I will be filing a lawsuit in small claims court for fraud. This account been on my report for years without my knowledge and I just recently seen it on my credit report on XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have my mortgage with PNCBANK. They have just switched over to a new system where you get mortgage statements every month in the mail. I received my first statement with a statement date of XX/XX/XXXX. I noticed it had a past due amount of XXXX. This is incorrect. I have paid my mortgage in full on time for several years. Nothing is past due. 

I called PNCBANK Mortgage customer service and explained my issue to them and they investigated and said they could find no past due amount. They said they have had issues with the statements being incorrect and would send me a corrected statement. I received a second statement with a date of XX/XX/XXXX with the same XXXX past due. I called PNC Customer service again and after investigating they again said they do not see any past due amounts and they were going to open a complaint and someone would get back to me in 24-48 hours. Nobody ever called. I called them again in reference to another complaint with another account and while i was on the phone with them i checked on this complaint. They text messaged the guy they said its assigned to and he said he would get back to me in the afternoon on XX/XX/XXXX. Nobody called. I told them if nobody calls me on XX/XX/XXXX i am filing a complaint with the CFPB. Nobody called. 

Every time i have a issue that needs to be addressed with PNC i have the exact same issues. No calls back. Denials. Nasty responses which i will be detailing in another CFPB complaint. I had a escrow issue a few months back that had to do with a NJ Tax rebate which i spent hours on the phone about while i got denial after denial and finally they admitted i was right and adjusted my escrow and my payment in my favor. My account history definitely needs to be looked into. When is somebody going to hold these banks accountable. I thought that with the new administration this was not going to be allowed to go on anymore and they were going to be held accountable. The escrow situation i described above goes on every year. I live in NJ. Residents get a Tax rebate that has to be applied. They don't do it and when you call them they deny that there needs to be a change. They get verbally nasty. I am a customer and should not be treated in that manner. 

There is absolutely no accountability ... None. I thought things would have changed since XXXX. Nothing has changed. They are operating the same way as they were in XXXX. On another matter they were told that because of the COVID situation they were supposed to reach out and help people out. They are helping no one out. Same as in XXXX. I asked them how are you helping homeowners out? They had no answer. They are so irresponsible that they have to have a CFPB rep sit in on their meetings to make sure they are doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
My account was frozen for not verifiable reason and I have {$250.00} in funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX {$0.00} XXXX {$660.00} XXXX XXXX XXXX XXXX NEVADA {$400.00} XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX {$0.00} XXXX {$660.00} XXXX XXXX XXXX XXXX NEVADA {$400.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
In XXXX I applied for a loan on line asking for XXXX. To pay off loan I have with XXXX acct # XXXX XXXX. ( the first 8 numbers are x out ) because the interest was 12.5 % Soon after I applied I received an email saying Congratulations your loan was approved. 
I received no other correspondence until I received a bill on XXXX XXXX 2020 with the details if the loan. 
This was the first time I saw the terms and amount of the loan which turned out to be a credit card sponsored by my credit union XXXX and was a credit card not a loan. Acct # XXXX XXXX XXXX XXXX XXXX called First Bank that day. I asked why they were only paying XXXX. They said that in the fine print of the application it says they have the right to decide the amount of the credit. 
I explained that I did not agree to XXXX. I needed XXXX. 
They said well it's too late because the check had already been sent to XXXX. 
I tried again to explain that I did not agree to XXXX and I do not agree to your terms. 
I ask if the check had been cashed and they said no. So I asked them to place a stop payment on that check they mailed to XXXX on XXXX. 
They said the couldn't stop pay on a check until 21 days had passed after the date of mailings I tried to explain that that rule is for when a check had not been received. 
I was unable to speak to anyone in accounting who would know what a stop payment ment and how to implement that process. 
I sent letters, I called several times but all I got was a letter saying they had the right to choose the amount of credit. 
No answer to the fact they did not seek my approval for that amount and the fact I never agreed to their terms. 
I see this as a fraud. Get people to apply for a loan, give no info on the amount or terms and only allow them to speak to customer service who is not equipped to handle these issues. 
I wrote a letter, sent back the statements with notes but they refused to intelligently address the issue. 
What I need now is to have First Bank remove their reporting to the top 3 credit reporting agencies.FYIi XXXX cashed the check on 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 2021-07-17 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: FL

Complaint narrative:
Hello my name is XXXX XXXX and I am writing this complaint to inform you guys that my personal information was affected by the XXXX  data breach and the accounts that I am attaching bellow are fraudulent accounts and and needs removal from my credit report. I've tried endlessly by notifying the credit bureaus of the issues at hand and how it has been a major hinderace in the growth of me building my credit. In result, I was pointed into this direction to get this issue that has been affecting my life resolved.

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