vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Since the pandemic started we have been living paycheck to paycheck. We never asked the bank for help as we were able to nearly get by till our next paycheck. However in XXXX the bank started putting {$1100.00} in our account and calling it a temporary XXXX relief credit. We never asked for it or agreed to it. But we didn't know this was happening until we got a letter from the bank stating they were ending the relief credit. I checked the account and saw this had been going on for almost 3 months. The letter explained they did this to help people with a negative balance in their account to get their full stimulus check. We didn't get the letter or know this was going on till I got paid from work and noticed i only had a couple of XXXX in my account when there should have been at least a {$1000.00}. That morning is when we got the letter and already spent our stimulus money. While this was happening but didn't know anything about this till after we had drained our account to only a couple XXXX left. After they took the {$1100.00} back out of our account, our account don't show these credits and caused our account to become seriously overdrawn. It also caused our house payment to bounce and incur a large amount of late fees. Now our account and all our bills are incurring late fees and large amounts of overdraft fees. I personally talked to XXXX members of the bank to try and get help and one did stated they did this to help and also stated others had the same thing happen to their account. All this should not of happened without anyone knowing what was going on till the last minute. I should have been given an option to opt in or out of the temporary credit or at least been notified before they took it upon themselves to try and help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WV

Complaint narrative:
XXXX Cash App withdrawal from my personal checking account on XX/XX/2021 for the amount of {$50.00} {$100.00} {$50.00} I do not have a cash app account. 
I contacted my Bank and Cash App this is what I was told to do to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kingston Data & Credit International Inc.
State: SC

Complaint narrative:
XXXX XXXX Joined XXXX XXXX on a month to month promotion XXXX XXXX Returned key fab to owner, XXXX of gym and got his hand written receipt. 
XXXX XXXX Began receiving threatening phone calls and emails from debt collector, XXXX XXXX XXXX telling me I owed {$470.00} for an annual membership. Told them I did not owe any annual membership fees. I asked them to provide PROOF of any such debt or membership agreement. They never did. I sent CERTIFIED letter to XXXX XXXX and asked them to cease any further actions. 

XX/XX/XXXX, again began receiving threatening phone calls that this would damage my credit and they would report me to credit bureaus. Again I asked them for proof I owned any such debt, which I disputed in XXXX and again in XXXX. They did not provide any documentation. 

XX/XX/XXXX, I pulled my credit report and saw my credit score damaged by XXXX points with a collection item. I again contacted XXXX XXXX, spoke with XXXX who told me that they have a new owner, I told her I do not owe XXXX XXXX anything. I also contacted XXXX  and they told me to contact FTC for harassment and bullying by a collection agency that has three times now persisted to collect on a debt NOT owed and which is disputed each time. They have never showed me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I was told from unemployment of NJ that they accept Chime prepaid cards I just have to go on the website and provide them with the other routing number Come to find out from Chime that the routing number XXXX provided belong to one of there partnering banks but not my bank that I use with Chime They have not transferred the money to my account/bank nor did they return 2 deposits sent to them by the NJDOL This has been an ongoing issue since XX/XX/XXXX I have missed 3 car note payments and I have not been able to pay my life insurance for XXXX PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MA

Complaint narrative:
On XXXX XX/XX/2021 I made an international money transfer of precisely USD XXXX using the XXXX ( formerly Transferwise ) service. The receipt can be found attached, the # is XXXX ). Until today the amount was not credited in my account in XXXX. XXXX local partner requested a mountain of documentation without justification. How so? 

As is laid out on XXXX FAQs once a remittance amount supersedes USD XXXX these documents are required by lhe local ( XXXX ) XXXX XXXX and in accordance to international XXXX standards : XXXX XXXX XXXX? origin=search-XXXX XXXX : XXXX? origin=search-XXXX Clearly, this criterium was not met in this case, the amount did not supersede USD XXXX as per receipt attached. 

Verifying the FAQs of XXXX partner bank in XXXX the requirements for documentation are specified in more detail ( please find the full document attached ) : I did my transaction with International partners ; why should I send my documents to XXXX XXXX? 
Answer : XXXX XXXX acts as an international correspondent that provides payments, and is obliged by the XXXX XXXX XXXX XXXX to keep the registration documents and the origin of the funds according to their use. 
If the total amount operated in the last 12 months exceeds R {$100000.00}, XXXX XXXX will ask for : Identification document, CPF, proof of address, forms of XXXX XXXX XXXX registration form and power of attorney ) and documents to prove the origin of the funds. 

What is the reason for signing a Power of Attorney for XXXX XXXX? 
Answer : According to XXXX XXXX Circular 3,691, any transaction above US {$10000.00} requires a signature on an exchange contract. 
In order to improve the customer experience, we have made available the specific Power of Attorney to XXXX XXXX, allowing us to sign on your behalf when you have contracted the operation. Bear in mind mentioning that this Power of Attorney is only valid for abroad incoming remittances, sent by XXXX XXXX 's partner financial institutions. 

Again, neither one of these criteria was triggered in my case.

When speaking to the XXXX Customer Support team on the issue they simply refuted these criteria as well as the information provided on their own site and responded that the XXXX partner bank could request any documentation, at any time for whatever reason. This statement is not backed by above instructions of the XXXX XXXX XXXX They also cancelled the transaction without authorisation. 

As the XXXX XXXX XXXX now confirmed the amount XXXX passed on to them was the equivalent of USD XXXX therefore triggering the request for said documentation. This is obviously inconsistent with the operation I executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/2021, I received an invitation from American Express to apply for the Business Platinum Card. I applied and was APPROVED for the card, Ref : XXXX. American Express always sends approved premium cards overnight however, I still didn't receive my card, it's not even showing up in the system. I called them at XXXX XXXX XXXX XXXX manytimes and all I get is ; we're working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2021 I sent a letter ( here attached marked as Exhibit A ) requesting physical verification of the Wells Fargo Auto account on my credit file. According to FCRA Section 609 ( a ) ( 1 ) ( A ) they are required by law to verify through physical verification of the original signed certified consumer contract. I demanded to see the verifiable validated proof of the original consumer contract with a wet-ink signature on it. 
. 
On XX/XX/2021 I received a copy of a contract from Wells Fargo. ( Exhibit B ) Copies of copies are not validation and by law are not considered proof! 
. 
Under the FCRA unverified invalid accounts must be removed! Section 611 ( 5 ) ( A ) ( 1 ) of any information disputed by a consumer, an item of the information can not be verified the consumer reporting agency shall promptly delete that item of information from the consumer 's file. 
. 
Wells Fargo failed to provide me with a verifiable validated proof within 30 calendar days. The law is very clear to the Civil liability and the remedy available to me for the negligent noncompliance ( Section 617 ) for the failure to comply with this Federal Law. 
. 
In addition to this, pursuant to 15 U.S. 1692g and 15 U.S. 1691 ( e ) ( f ) ( Exhibit C ) I am the original creditor so therefore Wells Fargo can not validate the credit that I originally extended to them. So this copy of a contract is not validation. Only the original, not the holder can validate this debt. They failed to prove that this debt belongs to me. So this constitutes as a no response within the 30 days requested. 
. 
The unverified Wells Fargo Auto account should be removed from my credit files with XXXX, XXXX, XXXX  and XXXX immediately.

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 2021-06-07 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Regarding XXXX Account 's. Disclosing personal information to create multiple accounts reported to the XXXX  Credit bureau and currently i am fighting this assignment fraud. XXXX  Identity Fraud, Identity Theft dates, Co-conspirators & ROBO-signors Mortgage Servicing Fraud occur new account information and other transfer fraud MERS Mortgage Fraudulent transfer, Transferring a mortgage to another servicer. Fraudulent Assignments and fraudulent activity created a car loan account. Fabricated assignments, forged signatures and utter counterfeit created to fraudulently obtains a mortgage on my property. going on in Florida. Case Number : XXXX XXXX XXXX Case Style : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX - XXXX XXXX Case Status : OPEN Case Type : CIRCUIT CIVIL. Weekly Circuit Civil Foreclosures Report Clerk AP # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX case ( XXXX ) XX/XX/XXXX : XXXX XXXX cici : city of XXXX XXXX a florida municipal corporation attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX phone : 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 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
XX/XX/2021 I disputed 2 transactions from my checking account with AXOS bank. When I tried to use my card it stated the card was no longer working they canceled my card with all my funds. I did not request or authorize them to do so I called customer service I was advised that if I had another account I would be able to wire the funds and I would receive the money the same day as long as the transaction was processed before XXXX XXXX XXXX XXXX. Everything was processed or so I thought I never received an email so I called customer service. They stated they were not able to look into my account and I would have to wait for a call back from a supervisor they never tried to get me a replacement card when I requested it they are contacting me to give me a clear explanation they are refusing to resolve this issue and they are holding {$1000.00} of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: LA

Complaint narrative:
The company emailed me about a collection that I do not owe. In XXXX of 2017 I paid the company before it even went to collections. They havent been sending me anything up until now. Which I do not owe them anything. The company was supposed to delete from account but obviously they did not. They were suppose to document the account but I guess they didnt do that either. I asked them to validate the account which they did not they only sent something for a payment. On XXXX  of my credit report it does show paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: South Carolina State Housing Finance and Development Authority
State: SC

Complaint narrative:
On XX/XX/XXXX, I did an application with my mortgage company, South Carolina State Housing Finance and Development Authority for an COVID-19 Mortgage Assistance Application. In may application I explained what was occurring at the time, but the gentlemen in charge of the process told me I did not need to explain my situation. I was approved for six months of forbearance. In XX/XX/XXXX I received a phone call from someone, an women in a high position from the mortgage company asking why I applied for the COVID -19 Mortgage Assistance when I was on a fixed income. I explained to them the same situation I put on my application, but I was informed as outlined and told, you did not need to explain if your loan was being held by a specific corporation. The lady that called me was rude and made me fell like my income and XXXX was going to be a problem with my mortgage. I received a letter on XX/XX/XXXX that my loan was being transferred back to my original mortgage lender due to something being written wrong in the underwriting. After calling and speaking to someone in charge she said my debt to income did't meet requirements to be in the program. I explained to her I had no debt on my credit report, before the loan or now and I owed no one anything. I had a conversation through text with my original Mortgage Corporation that my student loans was forgiven prior to finalizing the loan. Documentation was included. She could not effectively tell me why my loan was sent back due to the lack of investigating before giving my loan back to the originator. I am disappointed and I feel like I am targeted due my XXXX, fixed income, and for me asking for the COVID-19 Mortgage Assistance. This is not fair for anyone. She explained to me with an FHA loan nothing changes, but I explained to her its not the same. I told her I did my research and I told her the percentage of loans normally stay with State Housing throughout the term of the loan. I then asked her how many loans went back to the mortgage originator during this covid period and she said several, I then repeated so seven went back. She said again several and I explained several. After not getting my concern across to her, because I felt like I was targeted due to the call I received in XXXX among the fixed income and XXXX, I told her thank you for accepting my loan and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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:
I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: SC

Complaint narrative:
I am not liable for this debt with XXXX XXXX  and I do not have a contract with Hunter Warfield plus, they did not provide me with the original application like I asked. I paid a Debt due to the harassment of phone calls and letters and reporting this to the Credit Bureaus. Under 15 USC 1692h 810. Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer 's directions. I would like any and all payment ( s ) be returned to me by 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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have the bellow accounts that does not belong to me and i want them to be erradicated from my credit report ASAP. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive noticed that someone is using my ssn and personal information to open and banking account, applied for unemployment benefits, and COVID 19 mortgage solution. The address is somewhere in WA.

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 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
My account number XXXX with Affirm was part of a bankruptcy and they keep trying to collect on it, I started my bankruptcy in XXXX and Affirm was added to it at the beginning of XXXX my bankruptcy was discharged and finalized in XXXX of XXXX, I paid the one Affirm account that was not part of bankruptcy for XXXX, but the account for XXXX was part of bankruptcy and i keep getting the run around from this company. most of their calls go overseas and the reps answering the calls don't even know what a bankruptcy is so they give me a hard time, Can you please resolve this for me and have them please delete this error off of all 3 credit bureaus. I would greatly appreciate any help you can give me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: ProCollect, Inc.
State: NY

Complaint narrative:
There has been several attempts for procollect Inc to validate a debt they stated was mine. I have tried many attempts to get procollect to validate this debt by sending validation letters directly to them since XXXX2020. I have also sent all three credit bureaus certified receipts and letters that I have sent them and only XXXX  has been removed off my credit report. I have sent certified return receipt every time and pro collect still has not responded or removed it from my credit reports. I also hired XXXX XXXX after not getting anywhere and they stated they have not had a response from procollect Inc either since there attempts since XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation