vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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: PNC Bank N.A.
State: IL

Complaint narrative:
To attach bank account to XXXX, the bank is not allowing me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has decided to close my PayPal account due to me not being able to make the regular payments due to income loss from the pandemic. I work in real estate in XXXX XXXX, commission only, and buyers simply are not qualified any longer for loans because of their own income situations as a result of the pandemic. If people aren't buying, I am not making any money. And this is all due to the pandemic of course - clear and obvious. I am wondering if there is not an exception to them being able to do this - that is, for certain circumstances, actions can be justified or not due, for instance, to acts of God, etc ... unforeseeable reasons. I just do not think it is fair and right for Synchrony Bank to close my accounts or anyone else 's in this historically awful time. It is negatively affecting my credit reports - I just received an alert from XXXX. This just can't be right. Add to this situation that my wife and I subsidize my mother in law 's expenses about 80 % per month - she only receives {$660.00} in XXXX   per month. Living in XXXX  is a lot more expensive than {$660.00} per month. My wife and I have only been receiving UI benefits all this time - those benefits pale in comparison to our monthly income when real estate is open and thriving.

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 2020-07-16 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX  XXXX {$940.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX {$110.00} XXXX XXXX  XXXX {$19000.00} XXXX  XXXX {$12000.00} XXXX XXXX  XXXX {$610.00} XXXX  XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED 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 2020-07-16 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX  XXXX {$940.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$610.00} XXXX  XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY 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 2020-07-16 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$79.00} XXXX AR XXXX {$110.00} XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX AR XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXXBANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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 am NOT a third party or a credit repair person, My name is XXXX XXXX and I am a victim of 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 2020-07-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
MIDWEST RECOVERY SYSTEMS has placed a collection on my account for an old loan from XXXX XXXX in XXXX, the load went into default the same year. They are reaging this debt with a XX/XX/XXXX date, which is totally false. They also have a false delinquent date of XX/XX/XXXX which is totally erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: IL

Complaint narrative:
ENHANCED RECOVERY continues to attempt to collect a debt of {$110.00} dollars that is assigned to XXXX which was paid in full when switching phone accounts. 

This debt has been challenged and removed at least once if not twice before but the Collection Agency continues to cause damage to my credit score by insisting the debt is still owed and by continuing to file a collection against me. 

I have disputed this with the credit reporting agencies and they have ruled in my favor already. 

Please advise Enhanced Recovery to cease and desist with their continued harassment. 

Thank you for your help! 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I accidentally paid my credit card twice. Although the second payment was pending for XX/XX/XXXX, at around XXXX at night I was not allowed to cancel the pending payment. I called both my checking account and credit card ( both through Bank of America ) to resolve, both told me there was nothing I could do until the payment posted. Mind you, these payments were not small - {$2900.00} and {$2900.00}. I called the credit card on XX/XX/XXXX to get my payment back. The woman I spoke to started my request and said that I should have my payment in about 48 hours. I assumed that was too aggressive of a timeline, but I was happy to hear. She confirmed with me my banking information and that the credit would go back to my checking account. The following week I didn't get the credit back so I called again ( probably XX/XX/XXXX ). The told me it takes longer, but I should get it back by the following week. I voice my frustration but accept these things can take time. I call back on XX/XX/XXXX and again told it takes time and that I should get the credit by Thursday. Come Thursday ( today - XX/XX/XXXX ) I call again since my credit was still not there. Today they tell me a check is being created and that it'll go out in the mail soon and hopefully I will get I check next week! Never in the 3 previous calls did they say a check, they always said it would be credited back to my account. Not to mention it was now nearly 14 days from my original request. I requested they cancelled the check and deposit it as originally requested but they told me it would take 5 days to cancel a check! After much arguing and demanding to speak with a manager I will supposedly get my credit to my account next week. This of course remains to be seen, but even if it happens they have now held my credit for nearly 3 weeks! This is no small amount, it's ridiculous that a large bank can't resolve and issue for 3 weeks, 4 phones calls, and probably hours of wasted time. Not to mention, I believe they have violated their obligation to return credits in a timely 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 monetary relief
Consumer complaint received 2020-07-16 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX   XXXX {$79.00} XXXX XXXX  XXXX {$110.00} US DEPT ED XXXX {$7300.00} US DEPT ED XXXX {$5700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXXBANKRUPTCY DISCHARGED 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 2020-07-16 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX   XXXX {$79.00} XXXX XXXX  XXXX {$110.00} US DEPT ED XXXX {$7300.00} US DEPT ED XXXX {$5700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXXBANKRUPTCY DISCHARGED 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 2020-07-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management has called on XX/XX/20 and XX/XX/20 looking for XXXX or XXXX XXXX, and I informed them that I have no idea who they are and that they no longer own this phone number, in which Ive had for almost a decade now. They informed me that they will note this in their system, yet I still get too many harassing calls from them for someone elses debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Can not use XXXX XXXX account to deposit my own money to the XXXX XXXX account. I don't need a Bank to control where my funds go if I decide that is where I want to have it deposited. Please stop controlling our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
XX/XX/2020-stepson stole money by large unauthorized purchase XX/XX/2020-unable to make monthly payment XX/XX/2020-email from XXXX   instructing me to schedule a payment to cover what I missed. 
XX/XX/2020-attempted to call upgrade.com customer service line, no answer, despite their claim to be open XX/XX/2020-found email asking me to schedule a payment, I scheduled a make-up payment for XX/XX/2020. my next payday. 
XX/XX/2020-XXXX took the money 9 days early, leaving me no money to feed my family until XX/XX/2020 XX/XX/2020-sent email to their customer service email address explaining what went wrong and asking them to resolve. No reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Fraudulent unauthorized ACH withdrawal by XXXX XXXX  from Wells Fargo bank checking account ... # XXXX on XXXX for " Garbage/Water '' We don't have any Garbage/Water service from them. As per XXXX search XXXX XXXX  is technology company and has not been in business of Garbage/Water service. XXXX, XXXX, I called Wells Fargo on XX/XX/XXXX, ( next day ) about fraudulent charges of {$170.00}, Wells Fargo Fraud claims no : XXXX, On XXXX : spoke to fraud dept, Claim Declined and said " Federal law requires to report fraud complain in 24 hours of fraud posting on the account, so money is not going to be refunded ''. 
On XXXX : spoke to XXXX XXXX, Wells Fargo case number : XXXX, XXXX Executive Case Specialist, Wells Fargo Business Virtual Channels, XXXX, Declined description of the ACH withdrawal matched checking account info, so refund is not given for fraud claim. two different stories by Wells Fargo bank. Again on XXXX : spoke to XXXX ID XXXX Resolution dept/Assistance Unit, Declined and said fraud happened and posted XXXX XXXX of XXXX and I called on XXXX at XXXX-36 hours after posted on checking account so fraud claim was declined.

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 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Cap total one/Walmart for XXXX dollars someone used my identity and they never paid it. I never applied for it. Its in my credit and I want it off. This is not my card please help me I cant get a house bc of this for 60 years. If its not off I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I Purchased a new furnace and AC unit from XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX on XX/XX/XXXX in the amount of {$13000.00}. 
I was not advised that the loan that XXXX promoted through Synchrony Bank ( XXXX ) was a " Deferred Interest Bomb loan. " They encouraged me to use this loan, when I had plenty of alternatives via credit unions with low interest. I trusted their recommendation. They did not disclose to me any of the exorbitant rates or deferred interest penalties. Assume they just wanted to sell me the merchandise without concern for the bank 's known unscrupulous methods. I now see this bank has that track record. 
At the end of the recent loan period, they just added {$6800.00} to the original balance. This is almost 50 percent of the cost of the original furnace/AC. 
Yesterday, I paid off the residual balance to Synchrony Bank ( principal only - not the interest ). The interest rate they are charging is 26.99 percent. Also, they calculate the interest going back to the beginning of loan period - and charge that rate on the entire beginning balance. 
I learned about this yesterday, I was paying the monthly amounts electronically. Since I chose to avoid monthly statements, I was paying all amounts electronically. 
Note : If they had sent me a balloon payment balance of what was left, I would have realized it and paid it immediately. This is extremely deceptive. They deliberately keep the customer in the dark. This also occurred just when the COVID lockdown started in California. 
I received no warnings or alerts of the end of the 18 month period. 
Note : This ending period of the loan fell squarely into the first month of COVID XXXX - XX/XX/XXXX. 
I had recently lost a family member. I have perfect credit and carry no credit card debt. 
I also never saw any warnings or alerts - As soon as I noticed the balance changed ( it jumped up considerably ), I tried to reach the bank, but I could NOT reach the bank ( assumed due to COVID ) I continued to try to reach the bank. I tried using the chat tool, and that also was not working. 
I would be OK paying a reasonable amount of interest, but almost XXXX is deplorable. 
I would prefer to settle fairly with the bank and avoid litigation.

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 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/2020 my cashapp account was frozen due to " unusual activity ''. This happened just as I tried to send some money to another user. I immediately emailed support to have my account unlocked and have emailed daily since then it is now the XXXX of XXXX and no response. I also attempted to call the cashapp customer service number but can not contact a real person at that number. The automated message just directs me to send an email through the app which is what I have done daily since it was locked. My account has just over 2,000 dollars In it and it is vital to my financial wellbeing that I am able to access these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There are multiple fraudulent charges from XXXX appears on my accounts. I never made any transaction with XXXX on this account. Citi had send me 3 replacement credit cards number with new numbers each time as shown in timeline below, but it does not resolve the problem. 

All fraudulent transactions are shown as " XXXX XXXX CA Digital Account Number XXXX '' - XX/XX/2020, I received a new card ending with XXXX and activated it due to Citi suspect of other fraud activity. 
- XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$8.00} - XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$9.00} - XX/XX/2020, I reported to Citi and Citi send me a new replacement card ending with XXXX - XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$8.00} - XX/XX/2020 - I activated my card ending with XXXX. 
- XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$8.00} - XX/XX/2020 - I called Citi again and got forward to Fraud department, the representative said that they blocked all XXXX transactions and should never happened again and send me a new card ending with XXXX ( Reference number : XXXX ) - XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$15.00} - XX/XX/2020, I called Fraud department and was told that they can not do anything and they will call me back tomorrow ( Reference number : XXXX ) - XX/XX/2020 : I called Citi again and was forward around for 2 hours back and forth between Fraud department and eService department. 

I have been routed to the following departments but was forward back and forth and seems like noone at Citi know how to deal with this issue. 
- Security Department : Just replace me with new card number. 
- Fraud Department : Believe that this is virtual card number and forward me to eService departments. 
- eService Department : Told me that this is " Paypal digital account number '' and I need to talk to XXXX. However, XXXX also confirm that they don't know about any account number ending with " XXXX ''. XXXX told me that they can only block the number if I know full credit card numbers. 


I have spent more than 10 hours of my time dealing with this issue and I expect the following action from Citi ASAP : - Provide me with full account number of XXXX account number ending with " XXXX '', so that I can tell XXXX to block the number. 
- Prevent digital account number ending with " XXXX '' from being able to charge to my credit card. 
- Remove all XXXX transactions from my account and prevent any XXXX transaction from happening again ever.

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 2020-07-16 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 identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation