vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 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: PNC Bank N.A.
State: PA

Complaint narrative:
I contacted PNC on XX/XX/2021 and cited claims and defense which they were advised I have a year to dispute the charges. PNC contacted me by phone on XX/XX/2021 and the representative still told me I only had 60 days to dispute the charges. In my request they were reminded of the claims and defense timeframe and the law that I am covered under. However, the representative still would not accept my claim. I asked to speak to a supervisor which she said she was transferring me and it hung up. I have XXXX  year warranties for both of my residences and each claim I have paid out of pocket to fix or had to purchase new appliances. XXXX XXXX XXXX was supposed to reimburse me for paying to fix the items out of pocket and never did and will not refund me. 

Regarding Case XXXX Case XXXX Case XXXX Case XXXX Case XXXX From my correspondence : I am asserting claims and defenses for the charges that have been unresolved in the above cases, I am within the one-year deadline to do so. I am seeking protection under claims and defense and am withholding payment as per Federal Law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 ) and ask that PNC fixes my bill to reflect this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX, 2018 my bill did not go through Barclays Bank Delaware - account with XXXX missed payment. I am kindly requesting Barclays Bank Delaware to remove this missed payment from my credit reports. Previously I received response from your company. 

'Upon review, your XX/XX/2018 billing statement closed with a minimum payment of {$27.00} due by the XX/XX/2018, due date. As no payment of at least the minimum amount due was received by the due date, a late payment fee was assessed to your account in accordance with your Card member Agreement. We received your payment on XX/XX/2018. As the account did not go 30 days past the statement due date, no negative reporting took place. Additionally, we confirm that your account has no delinquencies reported as of the date of this letter. I have enclosed copies of the associated statements for your reference. ' I am asking about the late payment on XX/XX/2018. See attached screenshots.

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 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
Per my request, an outgoing wire transfer of ( USD ) {$100000.00} was debited from my account on XX/XX/2021 at XXXX XXXX ET. 

The address associated with the banks routing number was different than what I was given by the company, furthermore - the address associated auto populated and I was unable to change it on my end. I called the associated bank and they reassured me that the address that populated was synonymous and would work for the transfer. Per the instructions that the company gave me - reference number instructions, etc - everything is accurate on my end. 

Per the companies website, <<What is the timeline for sending a wire, and how soon will I get it? 

When depositing a wire, you can refer to the timeslots below to indicate when you can expect the wire to be processed and applied to your account : Deposits/disbursements created BEFORE XXXX XXXX ( Pacific Time ) The wire will be processed the same day. 

Deposits/disbursements created AFTER XXXX XXXX ( Pacific Time ) The wire should process on the following business day. 
Deposits initiated on non-business days/hours : All Wire Transfers authorized during the weekend or holiday will be processed for delivery on the next available business day. 

How long will it take for my wire to arrive in my account? 

Generally, wire transfers will take a maximum of 3 business days for the deposit to arrive in your Binance.US account. If you do not receive your wire transfer after the third business day, please contact Support. >> I have reached out to the company and banks multiple times. It has now been 9 business days since this happened with nothing more than an automated message that they are looking into it.

No one has returned my emails or calls. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
On XX/XX/XXXX I purchased a dining table, a server, 6 dining chairs, and 4 barstools. The chairs and barstools were delivered the same week. I had a delivery appointment for the rest scheduled XX/XX/XXXX. They did not show and rescheduled for XX/XX/XXXX. Again, no show. The same thing for XX/XX/XXXX and XXXX. When it got pushed to XX/XX/XXXX, I asked to cancel the order and return the dining chairs so that I could purchase furniture that actually existed. They sent XXXX to pick up the chairs on XX/XX/XXXX. The chairs were received by Ashley in the original, unopened packaging on XX/XX/XXXX. I inquired with Ashley on XX/XX/XXXX as to when I would receive a refund to my card. I received no response to that email. On XX/XX/XXXX, I inquired again and was told that the financing company may have a hold on the refund. I verified with Synchrony that Ashley has not issued a refund request, nor is it legal for them to " hold '' a refund. If Ashley had initiated a refund, the refund would have shown on my account in 3-5 days. I am due a refund of {$470.00} as shown in the order details for the return.

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 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a 360 checking and was promised a {$400.00} bonus for completing two {$1000.00} and above direct deposits. 

I had completed the requirements ( XX/XX/20 and XX/XX/20 ) yet never got the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: GA

Complaint narrative:
Please remove these items because I do not know them. Somebody took my personal information and managed these items. I do not recognize these inquires and therefore I kindly ask you to remove all of them because I can not afford loans anymore because of those unknown items in my credit report. Life is difficult especially when I see something like this! I am identity theft victim. 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 2021-03-02 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: GA

Complaint narrative:
Please remove these items because I do not know them. Somebody took my personal information and managed these items. I do not recognize these inquires and therefore I kindly ask you to remove all of them because I can not afford loans anymore because of those unknown items in my credit report. Life is difficult especially when I see something like this! I am identity theft victim. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Calls from : XXXX XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX XXXX EST XXXX - XXXX EST Calls from : XXXX XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST There are a lot of these calls dating before XXXX hen answered, I hear dial tone and hangs up on me. If I call back, there is 'no record ' of my number in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: CT

Complaint narrative:
XXXX  identity theft and fraudulent charges! 

In XXXX of 2021, XXXX charged my debit card for 60 transactions totaling {$9900.00}. As this is a business account for XXXX XXXX XXXX  and I am the XXXX, I identified the problem at month end reconciliation and immediately reported it to Bank of America. The criminal also used my debit card to charge {$1200.00} in auto loan and Bill Pay expenses without verification. 

I have NEVER used XXXX and do not have an account. I have contacted XXXX multiple times but XXXX agents refuse to provide any details on the transaction. Multiple claims have been filed, including fraud claims open with Bank of America claims with identitytheft.gov, and police/FBI reports filed. XXXX has trapped me in a web of never-ending transfers and no one can provide any information despite transaction dates and unique identifiers being provided. 

Authorities are proceeding with the criminal case. Bank of America continues to move very slowly and provides no details or communications on their progress. XXXX refuses to answer any questions. Help!

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 2021-03-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: SD

Complaint narrative:
Hello. My ex-husband took out a construction loan ( s ) with First Interstate Bank to build a home ; the property ( which was out of state from our residence ) was valued at XXXX, we borrowed at total of XXXX from the bank, paid another XXXX for it's construction and then ran out of funds. The bank then issued us credit cards to continue to make loan payments. We sold the home for XXXX and were coerced into signing a collateral loan for XXXX on a business property in our home state. We have been trying to obtain our loan file ( containing loan draws - which the bank was directly distributing to the construction company, invoices, receipts, etc. ) from the bank for 5 years. Despite hiring 4 law firms to obtain our loan files - THE BANK HAS REFUSED TO ALLOW US TO VIEW OUR FILES. Recently the bank sent an email to my ex-husband, who gave them permission the release the loan files to current attorney - XXXX XXXX ( XXXX ) XXXX, AGAIN THE BANK HAS NOT RELEASED OUR LOAN FILES. In fact, they have added {$870.00} to the payoff balance of the collateral loan for their legal expenses ( my attorney tells me that this is a violation of South Dakota law ). Should a US bank be permitted to withhold loan file details from the loanee 's inspection? Is the loanee ( who is responsible for paying back the loan ) not the owner of the content of the files? Can the bank unilaterally decide to add their legal fees to a loan payoff? If so can I unilaterally decide to deduct my legal fees from the loan balance? PLEASE assist us in dealing with First Interstate Bank. I realize, that this is a complicated complaint that has unfolded over years and contains hundreds of pages of documents, letters, and correspondence - I am incredibly frustrated trying to deal with First Interstate Bank - they have been unwilling to negotiate with us. I am attaching 8 documents ( the 2 original loan contracts, 4 collateral loan documents, email stating that they would release loan files to MrXXXX XXXX, and email where bank 's legal fees were added to our loan ) to get you started into understanding what has occurred. Please call me and Mr. XXXX for more details and to answer any questions you may have. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number. 
AMERICAN EXPRESS Inquired on XX/XX/2020 2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 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: LD Holdings Group, LLC
State: AL

Complaint narrative:
I sent XXXX  a dispute letter on XXXX for the negative marks on my account for the amount of {$280000.00} from Loan depot. They came back and said that didn't have sufficient information to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has this listed on my credit report. No contact information for the collection agency. Just derogatory. I have no knowledge of this amount and dont have this listed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1. Credit Acceptance Corporation XXXX mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3.XXXX  - mailed XX/XX/2020 4. XXXX  - mailed XX/XX/2020 5. XXXX - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date.

I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called XXXX  on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to CAC 2. Dispute letter to XXXX XXXX 3. Dispute letter to XXXX  4. Dispute letter to XXXX  5. Dispute letter to XXXX 6. Response received from XXXX that does not include the method of verification required by the FCRA. 
7. Certified Letter Confirmation Numbers

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 2021-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute with Experian on XX/XX/XXXX and XX/XX/XXXX for wrong personal information as well as accounts and inquires. I received an email on XX/XX/2021 that stated my results were ready to view, I attempted to the results online and was told that they were not available on line and to call XXXX, I called and spoke with a XXXX who advised me that he could not get me the results and that I needed to be transferred to the dispute department. I was transferred to XXXX who was rude and wouldn't let me explain to her that I did not need help with the website but more so with the obtaining a copy of my dispute results, she advised me that they have no control over the results not being given to me and that I could check my report for the results, she then transferred me over to the fraud department where I spoke with a XXXX and he advised me that the website is not something that they handle and that there is no way for me to receive the dispute results and to resubmit it. I requested a supervisor or a manager to get some type of help or explanation why the results wouldn't be available for me to see by mail or email and he said that he could have a supervisor reach out me sometime in the future. This not the first time I have mailed letters to them with a dispute and never received the results in return.

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 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Peroutka, Miller, Klima & Peters, PA represent XXXX XXXX, XXXX which apparently purchased my account from XXXX XXXX XXXX. 

XXXX XXXX XXXX is a credit card company where I had an account. 

XXXX XXXX failed to forward any bills, invoices or statements regarding my account. They never notified me by means of any communication that I had an outstanding balanmce and never informed me that a debt had been charged off. 

PMKP has sent me a letter demanding payment of {$1500.00}. 

This is the ONLY communication from anyone regarding the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase has refused to communicate, provide updates, and maintain professional courtesy with me the customer. Not to mention the out right thievery of roughly XXXX usd. 

i had a transaction, namely an ach transfer fail, and of course needed to cover the outstanding balance of XXXX asap. i quickly funded my account via debit for the amount of XXXX and much much more. as i continued to make transactions i was notified i needed to make a payment manually, so i did using etherium. upon reviewing my account, coinbase not only took my XXXX payment but proceeded to take XXXX payments themselves without my authorization a total of 3 times. so for an outstanding balance of XXXX total of XXXX was paid. 

i raised multiple support tickets, all the while continuing in good faith with the company making transactions, but after weeks of no response to my inquiry, i began to worry. i sent tickets daily, and once i finally got a response they proceeded to block any further ability for me to reach them. email being the only way available, i was receiving blocked by recipient notifications. only way i could get a message across was via support tickets which they said only made the process take more time due to the sheer number of tickets. they notified me of the consolidation of my support tickets once i threatened to reach out to law enforcement. they notified me that a specialist was taking over my account and reviewing the situation. weeks later, i find an email stating my support thread has been resolved and closed and unable to be reopened. odd.. because i have yet to receive any resolution, explanation, or restitution. 

the whole mess started XXXX/XXXX  til now with no resolution. i dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
RE : VS Account Number Ending XXXX w/ Comenity Bank XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Proof Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$190.00} Check and as Stated in Settlement Letter, this Account to be Paid in Full and Credit Report Updated w/in 15 days of cashing check XXXX : Cease and Desist Letter due to Comenity Placing Numerous Repeated Calls to Work Phone XXXX : Comenity Bank Still Reporting on my Credit Bureau and Still Numerous Repeated Calls to Work Phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 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: NY

Complaint narrative:
Equifax is showing these two things on my credit report I pulled today. I do not recall any of these items. I did not get any services at that time and if I had it would have been covered by XXXX. 

Also I do not know what it is from, the information is not listed. No one to contact.

Company response to consumer: Closed with explanation