vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I recently did a refi with my lender PennyMac at the beginning on XXXX. My FIRST payment is not slated to actually occur XXXX. 

However, I made my first prepayment on XXXX against my mortgage of {$190000.00} for {$1100.00}, and was applied toward the escrow ( {$650.00} ) and principal ( {$470.00} ). I did indicate as such on my payment coupon. 

I have been going back and forth with them via numerous calls and direct email on their sit to get this fixed as the took {$460.00} and applied it to interest. They are not being helpful and that is alot of money misplaced

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Discrimination by Citibank After a recently having a Citi card charge denied for reasons that have not been adequately explained by Citi, I encountered a fraud department that engages in blatant discriminatory behavior. Citibank, as a condition to having one of their credit cards, requires a texting relationship between the bank and the customer. 

I experienced the downside to this when Citi refused to help me because my phone does not accept texts from unknown sources. Mandatory texting with a bank is not only preposterous, it is a dangerous and prejudicial policy. 

Based on data from XXXX XXXX, only 82 % of white Americans own a smartphone. Slightly less for XXXX and XXXX Americans. When further broken down by education, income, and location, there are larger disparities. For example, only 72 % of high school grads and only 71 % of rural residents have a smartphone. ( XXXX XXXX XXXX ) According to XXXX, only 74 % of people over 55 own a smartphone. ( XXXX  : XXXX ) So how can a major bank try to enforce smartphone usage and texting with its customers? This practice is discriminatory on multiple levels, including income, race, age, and location of residence. 

While its fine for smartphone users to opt-in if that is their choice, this practice deliberately harms millions of Americans who do not, can not, or choose not to text with a bank. 

Regulatory authorities need to step in and stop this discriminatory practice at Citibank. 
Thank you.

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 2020-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: MN

Complaint narrative:
I have a debit card with Direct Express that my social security funds are electronically deposited. Direct Express is recommended by the Dept of Treasury. Since XXXX of XXXX, a company called XXXX has been fraudulently withdrawing {$52.00} monthly for an arcade gaming site that I never purchased or authorized. I just became aware of this in XXXX of this year. When I check my account, I do it by phone, and it only gives the amount and date of withdrawal. Because the amount was in line with amounts of my other transactions it went unnoticed. I have contacted the card administrator, Comerica Bank, several times and never heard back. I contacted XXXX, and they just keep telling me they can't help me because I made this purchase, which is not true. I have filed a fraud report with the MN Attorney Generals Office, and they are working on it. I have also filed a fraudulent activity report with Direct Express a week or so ago but I'm not hopeful that they will be of any help based on their customer service so far. Direct Express has had several class action suits filed regarding accounts being hacked, and then I see that the Dept of Treasury just renewed their contract with them in XXXX of this year! My total loss in this mess is {$1700.00}, and a loss I can not afford. Anything you can do would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc
State: PA

Complaint narrative:
I noticed debt on my credit report that wasnt mine. THIS DEBT IS A RESULT OF FRAUD. The creditor is XXXX XXXX XXXX and the amount is over $ XXXX. I filed a identity theft report with the FTC and diputed this account as fraud. I notified XXXX  XXXX XXXX and I am now getting collection notices from Financial Assistance INC. on behave of XXXX   XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern I was looking at my XXXX XXXX. It's been a really long time since I looked I noticed a bunch of inquiries I know that I never authorized or signed anything for these companies to run my credit. I believe this to be some type of fraud as I never went to any of these places or even tried to do anything with my credit until I looked at XXXX XXXX   on XX/XX/XXXX and noticed all this. My friend told me to come to you guys directly. Attached are screen shots of the inquries I am being accused of. I did not apply for any XXXX cards on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX. I would like all of these to kindly be removed. I am going to look into this more might have been my ex being spiteful. I honestly didn't do 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 2020-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX This account with XXXX XXXX has a total of {$9500.00} was in open in 2008 and has been closed for some years, and now their is a new update and is showing that it has been transferred. It is a total of three account, and XXXX is no longer exist. I have sent multiple letters to credit bureau requesting to have these items removed. And it still on all three of my reports. I don't know what else to do

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 2020-07-02 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: AFNI INC.
State: UT

Complaint narrative:
AFNI-XXXX is currently reporting a balance and these have been paid. I no longer owe this debt and it should not be reporting a balance. It is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to you today regarding the following account with Capital One Auto Finance : account # XXXX, XXXX, XXXX XXXX, opened date : XX/XX/XXXX, highest balance : {$17000.00}. 

My dispute is because Capital One is re-aging the account. ( see attached proof ). 
They committing unfair business practices, negligence and breach of contract. 

My demand is to get the item removed from my report. 

Please send to Capital One the attached documentation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
XXXX XXXX in Maryland is repeatedly calling my friends and family, and my employer as well as my place of business after being asked not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX is trying to collect a debt from me from XX/XX/XXXX that my exhusband opened. Our divorce wasnt finalized until XX/XX/XXXX but we were separated from XX/XX/XXXX until our divorce was finalized in XXXX. I did not open this account and did not have any knowledge of it until it showed up on my credit report. I have disputed it a couple times with no resolve. Again, this is not an account I opened and/or used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXXXXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXXXXXX {$440.00}

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 2020-07-02 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX  XXXX {$440.00}

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 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am trying to link my PNC account to XXXX to round up my transactions for investing. PNC will not allow this for some reason. I have no issues linking my XXXX account to XXXX, and I think PNC needs to approve this investment tool.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: CO

Complaint narrative:
I was locked out of my new account after depositing my {$1200.00} stimulus check and making a {$25.00} transfer to my other bank account. I called several times to figure out why, and they repeatedly said they would mail and email me information about it. I received an email stating they were investigating fraud on my account. My account has been locked since around XX/XX/XXXX, well over a month, and they will not tell me how long the investigation can go on or what information I can provide to resolve the issue. I never saw any strange transactions, so I can only assume one of my own transactions looked suspicious. I made transfers from my other bank accounts including micro transactions to verify transfers, my XXXX, and my stimulus check. 

It is a challenge having {$1200.00} locked away during COVID when I am struggling to pay house bills so I would like to know how long they can legally hold my money.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 was trying to buy my wife a car today XX/XX/20 but when they ran my credit to see if I qualified for the loan, I was told that I was not approved because there are three accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I looked at my credit report myself and there were accounts from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX that I never opened. I don't know who is responsible for these accounts or why they're on my credit report but I did not benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards them. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I am filing a complain the CFPB because I returned items and never received a refund for what I returned. On XX/XX/2020 I purchased a number of furniture items from XXXX. One of those good included a table. After receiving the table I decided to return it. I contacted XXXX directly and told them I was returning it. I schedule the pick-up and then XXXX retrieved it on XX/XX/2020. However, XXXX never gave me a refund for the table that I returned. For this reason, I disputed the charge with my credit card company. However, despite showing proof that I returned the item in question my Citi credit card dispute was resolved in the merchants favor.

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 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a notice that a checkings account was opened in my name at Bank of America. I never authorized this action, and never submitted any signatures or approval for this. The account opened in question is called a Bank of America Advantage Banking account, which has management/maintenance fees involved. Since I never opened the account and won't put any money in, this account will potentially accrue a litany of ( invalid ) fees and potentially affect my credit negatively. I need this account closed immediately. Bank of America has used my personal information and identity without my permission in an illegal way. Absolutely unacceptable. This should not happen at a national bank of this level. I called Bank of Americas customer service line but never reached a representative and had the line hang up multiple times. I understand that COVID has increased call times, which has led me to report this to this federal department. Similar to the XXXX XXXX scandal where they opened accounts without user permission, it is clear Bank of America is doing similar criminal activity. 

Potentially relevant information : - I have 2 credit cards at BoA - Product name : Bank of America Advantage Banking account - Dispute : invalid account opened without permission/knowledge, misuse of personal information - Product was never advertised - Contract or any paperwork was never signed by me or anyone I know - Attempted to reach Bank of America on XX/XX/2020 ... placed on indefinite hold - Have submitted forms to Office of Comptroller & CA Attorney General

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 2020-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NJ

Complaint narrative:
About a year ago, after pulling my CREDIT REPORT, I realized multiple unknown accounts on it. After doing my own research, I realized that I needed to file an identity theft Police report, so I did. Then my next step was to notify the credit Bureaus that I was a victim of Identity theft, a few months went by and I got my credit report fixed. 
I, recently received a collection letter from CREDIT CONTROL LLC, trying to collect an alleged debt with an alleged current creditor name : XXXX XXXX XXXX XXXX XXXX, alleged account Credit Control # : XXXX with an alleged balance of {$480.00}. I did not even know where this account is coming from, I am definitely sure that this account does not belong to me. I am also attaching a copy of Identity theft Police report that I filed on XX/XX/2018, regarding an issue with 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 2020-07-02 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: OneMain Finance Corporation
State: NY

Complaint narrative:
I have never opened and or signed for the note loan under the account number in question with ONEMAIN that is being reported on XXXX  and XXXX When notifying ONEMAIN of this, they validated this alleged loan debt by sending me documentation of a different account number from that which was being reported to XXXX, XXXX and XXXX. 

I forwarded this incorrect information to the credit reporting agencies to confirm the inaccurate reporting. XXXX  deleted the information while XXXX  and XXXX verified the differing information as accurate and continued to report the information in spite of my request for its deletion. 

In the month of XXXX ONEMAIN reported to XXXX and XXXX that I had made a reduced payment on what was a {$7400.00} balance to settle the debt and bring the balance to {$0.00}. I notified ONEMAIN, XXXX and XXXX that I did not make any payments, reduced or otherwise to bring the balance to {$0.00} and I also notified them that I did not open this note loan that the 3 of them are reporting. 

ONEMAIN, XXXX and XXXX continue to report this account with a balance of {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have never opened and or signed for the note loan under the account number in question with XXXX that is being reported on EXPERIAN and XXXX. When notifying XXXX of this, they validated this alleged loan debt by sending me documentation of a different account number from that which was being reported to XXXX, EXPERIAN and XXXX. 

I forwarded this incorrect information to the credit reporting agencies to confirm the inaccurate reporting. XXXX deleted the information while EXPERIAN and XXXX verified the differing information as accurate and continued to report the information in spite of my request for its deletion. 

In the month of XXXX XXXX reported to EXPERIAN and XXXX that I had made a reduced payment on what was a {$7400.00} balance to settle the debt and bring the balance to {$0.00}. I notified XXXX, EXPERIAN and XXXX that I did not make any payments, reduced or otherwise to bring the balance to {$0.00} and I also notified them that I did not open this note loan that the 3 of them are reporting. 

XXXX, EXPERIAN and XXXX continue to report this account with a balance of {$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 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
On XX/XX/2020, I discovered that immediately after XXXX XXXX removed this negative and false allegation from my credit report. XXXX then immediately transferred this collection to Sunrise. I'm sure in hopes to further cause damage to my credit. I contacted Sunrise that same day and they in turn sent me a bunch copies of bills that explain nothing and nothing regarding my dispute of what I sent to them. the email was as follows : After disputing this charge with XXXX they immediately charged my personal credit card without my knowledge or authorization. After doing so they then sent my account to a collection agency ( XXXX XXXX ). They immediately reported this negative information to the credit bureaus. After notifying them of the fraudulent acts conducted by XXXX, XXXX  XXXX immediately removed the damaging information from the credit bureaus and apparently now XXXX has sent this collection to your company. These dirty deceptive tactics have to stop. I know this is a regular practice of XXXX   and I am aware that they usually win due to the fact of consumers not being knowledgeable or able or willing to deal with the potential negative impact on their credit. The fact that they stole my money from a credit they should have never had on file and the fact the XXXX XXXX removed this from my credit is validation that should not be perused. 
However again in closing I do not owe this debt. This email will serve as evidence to CFPB that I have made an attempt to rectify this situation. Thank you in advance for your time and assistance regarding this matter

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