vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: FL

Complaint narrative:
pnc bank denied my pnc points visa credit card application with no negatives on my XXXX  report with an good credit score XXXX base off usa population a XXXX credit score is considered good and no risk factor not only did i already had current years of loans paid off auto loans never late, current loans being paid ontime, and have credit card being paid ontime i am not new to credit and i disagree with the denial letter and ask for reconsideration for an approval. i applied for the pnc because co-workers told me about how pnc bank is a good bank to start a long relationship with and so i applied and denied me of really no good reason to say i am a risk when i am not i feel ive been mistreated in the fair process and in reviewing other pnc credit cardholders reviews that they got approved with limited credit experience and lower credit score of XXXX i am dissapointed of the denial when i already establish enought credit for an approval in my opinion maybe pnc under writters are being more tengy on approvals because of covid-19 pademic even with my profile of years on ontime payments, no lates ever, i already shown i can handle credit and deserve an approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: LA

Complaint narrative:
I have been in dispute with Real Time Resolutions for several years. On XX/XX/2020 I submitted {$52000.00} via wire transfer to payoff the account. The account still shows delinquent through XX/XX/2020. I contacted the account representative Ms. XXXX XXXX on several occasions following up on the account. She acknowledged via email in XXXX that the payment had been received, but it would take a few days to be updated. Last week, I discovered that the account had not been updated on my credit report ( still showing delinquent through XXXX } I contacted XXXX  to contest the report. 

Today, I received an email from XXXX  indicating that my account has been updated. 
The report continues to show me as delinquent in XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CA

Complaint narrative:
I had two charges from woman within online clothing. One for {$39.00} and the other for {$39.00}. The woman within store is now called full beauty.. When the money was taken out of my XXXX XXXX account I called woman with band and ask them to give me a list of my purchases, these two purchases were taken off of my XXXX credit card on XX/XX/2020. The representative advised that the last purchase that I had made was XX/XX/XXXX and it was for a different dollar amount from the charges that were debited from my account. After speaking with the woman with the other representative Ive been called XXXX XXXX and did a dispute with you they were gracious enough to refund my money. Today, XX/XX/2020 I received a email from XXXX saying that I owe {$79.00}. I called to explain what happened and that I did not making purchases, I asked the collections representative to please tell me where the merchandise went and she just repeated it at all the money and would not give me the address. I am now live with receiving emails from a collection agency that will not give me any information demanding money. If they were indeed my debts I would pay them but they are not mine. My XXXX ID is XXXX agency XXXX XXXX XXXX, XXXX, PA 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 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I called XXXX  to check on a refund I was due. Someone answered as XXXX  and said they would help set up a refund. They said they were refunding money to my acc and I need to go to.my bank acc to receive the refund which I did. They e Were giving me instructions to do on my acc. They were taking money XXXX XXXX dollars out of my acc as I was on the phone. After a few minutes I called my bank of America to see if something was wrong as I had them on the phone. Bank of America said they would report S but would not report as fraud but would not refund my money. They could have stopped this transaction as I was on the phone with the person.this happened in a matter of minutes. I am on social security and this was my bill and household money. Please is their anyway you help me. I am desperate. XXXX XXXX XXXX Bank of America XXXX XXXX az XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX Az. XXXX XXXX XXXX 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 2021-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
We are being held finacially hostage in an endless cycle of lost paperwork and always-expanding timelines. I've tried reaching out and asking for management assistance, but I never received a response via email or phone regarding this. 

XXXX XXXX - Reached out to mortgage company regarding release of liability process and requested paperwork. 

End of XXXX, early XXXX - Still hadn't received paperwork, contacted again, was informed request never submitted. Called several more times, paperwork showed up few weeks later. 

XX/XX/XXXX - Packet is placed in the mail using their provided, self addressed and stamped envelope XX/XX/XXXX to XXXX - Called to check on packet status, get update. Was informed our file didn't exist. Asked for management and help in locating our paperwork. We were informed they had lost our packet. Management would not escalate, return phone calls, or tell me how to submit the paperwork again. 

XX/XX/XXXX - found an email on my own, sent them an email regarding the packet, asked for confirmation it was received. I receive confirmation. 

XX/XX/XXXX to XXXX - emailed several times regarding packet and information they said was missing. I received an out of office response for my main point of contact but to contact a second email with questions. I contact the second email plus my original contact as well as call customer service again to escalate, but receive no response. 

XX/XX/XXXX - I finally received confirmation our packed was completed, placing us 12 days behind XX/XX/XXXX - reach out about status, get a response that says they're working on it but can't say when they'll be done. 

XX/XX/XXXX - email again for update. They say the same, they're working on it but can't say where it's at in the process.i point out that there has already been several delays and demand an estimate on how long it'll be. They're response was another 6 to 12 weeks. 

XX/XX/XXXX - more emails are exchanged, I ask for management, they still refuse to give me someone that can help or address the situation. I called customer service again and they say all they can do is send a message to my contact and that's it. There's nobody else they can contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: DHI Mortgage Company
State: GA

Complaint narrative:
DHI MORTGAGE CORP hasnt updated my Credit score with their third-party XXXX XXXX, XXXX XXXX manager, XXXX. To-date its been 4 months and Ive Not received an Denial and or Approval letter. XXXX continues their XXXX XXXX acts with my Credit Report. Theyve removed my XXXX accounts and other Revolving and Installment accounts with efforts of XXXX me XXXX, XXXX Im living my best life. Now I told you Consumer Financial Protection Bureau that you are allowing this XXXX XXXX, but the Consumer Financial Protection Bureaus testimony is going to make a Rich man, again my Filing of Congressional inquires will make you folks talk and will also show XXXX acts by the Consumer Financial Protection Bureau internally, No one is Stopping me. I need documented evidence from you, the Consumer Financial Protection Bureau even if Congress has to get you folks to respect my Complaint, got it! XXXX XXXX XXXX hasnt Approved or Denied my XXXX Mortgage application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company presently has me blacklisted never once an issue with them. Multiple supervisors advised I should not be encountering any issues based upon what they see and i was enrolled in this by error. Each states they submitted request for expedient removal of holds with 2 of them advising former accounts would be reopened that never happened. 

A simple XXXX search will show this is a very common practice. I pay early every month one of the cards has a {$0.00} balance and still crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX Balance : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX Balance : {$2300.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account 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 2021-01-27 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX I never had an account with this company. They never sent me information with my signature within 30 days. 
XXXX XXXX {$460.00} I never had an account with this company. They never sent me information with my signature within 30 days. 
Commonwealth Finance {$160.00} I never had an account with this company. They never sent me information with my signature within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: GA

Complaint narrative:
XXXX XXXX XXXX hasnt updated my Credit score with their third-party XXXX XXXX, XXXX XXXX manager, XXXX. To-date its been 4 months and Ive Not received an Denial and or Approval letter. Equifax continues their XXXX XXXX acts with my Credit Report. Theyve removed my XXXX accounts and other Revolving and Installment accounts with efforts of XXXX me XXXX, XXXX XXXX living my best life. Now I told you Consumer Financial Protection Bureau that you are allowing this XXXX XXXX, but the Consumer Financial Protection Bureaus testimony is going to make a Rich man, again my Filing of Congressional inquires will make you folks talk and will also show XXXX acts by the Consumer Financial Protection Bureau internally, No one is Stopping me. I need documented evidence from you, the Consumer Financial Protection Bureau even if Congress has to get you folks to respect my Complaint, got it! XXXX XXXX XXXX hasnt Approved or Denied my XXXX Mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX I never had an account with this company. They never sent me information with my signature within 30 days. 
Portfolio Recovery {$460.00} I never had an account with this company. They never sent me information with my signature within 30 days. 
XXXX XXXX {$160.00} I never had an account with this company. They never sent me information with my signature within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Security Credit Services, LLC
State: TX

Complaint narrative:
Security Credit Service 650.00 I never had an account with this company. They never sent me information with my signature within 30 days. 
XXXX XXXX {$460.00} I never had an account with this company. They never sent me information with my signature within 30 days. 
XXXX XXXX {$160.00} I never had an account with this company. They never sent me information with my signature within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Self Financial Inc.
State: OH

Complaint narrative:
I closed my accounts with this XXXX  and XXXX XXXX XXXX and the company has not refunded my money back into my bank account as stated. Close to {$4000.00} Theyre now ignoring my emails. 

The Company is : XXXX XXXX XXXX and their address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX, Georgia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
1- Pacific Credit services straight ahead reported me to the CRAs without even notifying me of the existence of a debt. 
2- When I found out a collection in my credit report, I sent them a certified letter dated XX/XX/XXXX asking for a validation of the debt. They did not answer and kept on reporting this collection which is violation of the FCPDA. 
3- I send them another certified letter dated XX/XX/XXXX requesting validation and to stop reporting to my credit report, which is considered to be a collection activity. They did not take heed and still reported the collection on my credit report. From them, I then received a letter for a statement that does not proof that the debt is mind. It was dated XX/XX/XXXX sent to the wrong address listing charges back to XXXX with no explanation what the charges for and with a note stating '' a recent audit of your account revealed that we have inadvertently missed billing you for your portion of the payment '' Pacific Credit services failed to send me a validation. 
4- On XX/XX/XXXX I send them another certified letter requesting them to validate my debt under the Fair Debt Act and so it has been 57 days and they have not replied and are still reporting the collection to my credit report. 
5- Pacific Credit services are in violation of Fair Debt Collection Practice as they are reporting an unvalidated debt. They also do not have my authenticated permission to first pull my credit report or to report to CRAs. I do not have any legal binding between them and me. I do not owe them anything. 
5- In the letter they sent they indicated to me that they will keep negatively reporting this collection to credit reporting agencies which is illegal practice. 
6- They defamed my character for something I did not do. 
7- Medical debt collection on my personal credit report is a direct violation of HIPPA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I was approved for Maryland Unemployment in connection with being out of work due to COVID-19. I filed for Unemployment with Maryland 's Dept of Labor back in XX/XX/2020 and needed to go through Extensive identity and wages verification. I was mailed a Bank of America Prepaid Debit Card where my COVID-19 Unemployment was to be sent to. When I went to activate the card, I was unable to activate it. I called Bank of America and was told that I needed to contact Maryland Unemployment. I contacted Maryland Unemployment and was told that my benefits were reinstated after I passed the identity verification. True copies of the documents that I received in the mail from Maryland Unemployment are attached to this Complaint which explicitly states that the funds on the B of A Prepaid Card ending in XXXX would be unfrozen within 3 to 4 business days from XX/XX/2020. As of the date of this Complaint, the funds are still frozen. 

I've contacted Bank of America numerous times and have been given no information regarding this issue besides a letter that I received in the mail telling me that my card was being frozen due to some kind of investigation. This occurred even though Maryland Unemployment sent me the notice attached to this Complaint stating that after their formal and official investigation, my identity was verified. 

True copies of my Passport, Birth Certificate, and Front and Back of my Social Security Card are attached to this Complaint for whatever identity verification purposes that the Complainant may deem necessary.

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 non-monetary relief
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Financial credit network sent me a piece of paper 2 months ago indicating I have a debt placed with them through XXXX. No proof that it belongs to me. Can not get any verification except fir a piece of paper that is an invoice made in a barn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XX/XX/XXXX, around XXXX my phone was taken. I can not be sure as to who took it but shortly after they sent payments in order of {$500.00}, {$1000.00}, {$1000.00}, {$500.00}, {$1000.00}, and {$1000.00} using the debit card set up in my XXXX XXXX. These payments all occurred between XXXX XXXX and XXXX XXXX. They originally tried to send {$1000.00} on the first payment but Wells Fargo declined and sent a text/email to verify. Since they had my phone they were able to respond to the verification text and now had access to my funds. Lastly, they tried to send {$2500.00} with the last payment but that was declined due to my daily spending limit being exceeded. Ultimately they got away with my phone and the {$5000.00} sent via XXXX XXXX  from Wells Fargo. 

I have attached the emails I received from Wells Fargo about the activity, my phone was stolen so I do not have access to the texts. I also attached the replacement phone confirmation from my phone insurance to prove my phone was indeed stolen and used to send money without my consent.

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 2021-01-27 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: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$0.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information.

Company response to consumer: Closed with explanation