vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Hello. So im having a big issue with my bank PNC Bank. Back in XXXX someone stole my online banking info in result of me losing my phone. They were abled to put fake checks in my account of {$3000.00} and another 2 checks of {$1500.00}. They forged my signature and they were using my XXXX XXXX, XXXX XXXX and XXXX to send the money to different accounts! They also stole all my money that I already had in my account. I ended up opening a police report on XX/XX/2021 when I realized that all of my money was gone. When I told the bank about it they opened a case. But the person that had my case did not call or communicate with me for 3 months! And when they finally did call me on XX/XX/XXXX, I was told that the bank is denying on giving me back the money I lost and also put me in debt for {$2200.00}! And it got even worst when I reopened the case, they did nothing and raised the debt to {$3400.00}! When I asked the bank the reason why they refuse to give me all the information needed and all they said was that the transactions were approved because it looks like I did it, when clearly someone stole my phone and used all my information! Please I need someone to help me remove the bank debt. I come from a low income home and obviously is not fair for the victim to do pay off debt caused by a scammer. I tried reopening the case but they keep telling me the same results. This has been going on for almost 5 months and im losing my mind and have been in terrible stress. I also filed a identity theft form on XX/XX/2021. Also the amount of money that im supposedly to be owned back is not correct on the police report. I only lost about {$1400.00} and the report says {$4000.00}, which could of been clear if I had gotten enough assistance from the bankers. I need possible solutions to this cause ASAP please. I don't even have this kind of money : ( The bank refuses to give more information and I know for a fact Theyre making a mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PACIFIC WESTERN BANK
State: CA

Complaint narrative:
Attempted to verbally inform Pacificwesternbank on XX/XX/21 they are not authorized to receive automatic payments from an account I no longer use. Pacificwesternbank, formerly XXXX XXXX is refusing to cancel unauthorized payments from my financial institution. I spoke to one customer service representative and two supervisors who all refused to assist or refer me to their legal department or resolve in accordance with federal law. Moreover, when I tried multiple times to have the appropriate person within their legal department or supervisory role be made aware they are in violation of federal law they told me to have a nice day and disconnected. I do not want to set up a new payment system until I know that they are operating in accordance with federal law and honoring my attempts to update my information without incurring fees and charges because of their illegal actions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Every time I reported these issues to the Equifax They are refusing to take it off my credit report these Fraudulent hard inquiries The first one was XXXX XXXX I get back in the country on XX/XX/2021 and see some bunch of inquiries I asked them to take it off they refuse they are saying that the company is reporting that is me I called each one of these companies they they stated I did not apply anything and send letter to me stated they have not found no inquiry with my name on it from them so they can not help me I have to care XXXX XXXX to court for them to remove it off my credit report because Equifax is supporting fraudulent activities on XX/XX/2021 We went to court which bank XXXX XXXX in XXXX it is not their fault if equifox is reporting fraudulent things are not reaching out to them but they will work with me to resolve the issue it shouldnt be me taking banks to court that is causing me money to do Equifax work it is unfair and I need someone to help me talk to these people I will find a way to sue equifax for each damage they have done to me and I will need help with that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: PA

Complaint narrative:
I received a notice dated XX/XX/XXXX from an agency by the name of Associated Credit services. The notice stated the letter was an attempt to collect a debt. I never had an account with this agency. I sent a cease and desist as well as an notarized affidavit of truth dated XX/XX/XXXX sent certified mail on XX/XX/XXXX. I have since received another notice to pay with no reply to request of information requested in cease and desist that was sent. Pursuant to U.S. Code 1692b any debt collector communicating with anyone other than the consumer -shall not state that such consumer owes any debt. This company is furnishing this alleged debt on my credit report 's. I am a federally protected consumer and this agency did not have my written permission or prior consent to furnish or collect any of my information. I owe no debt to this company this debt is alleged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: TX

Complaint narrative:
I have a complaint requesting my XXXX XXXX XXXX reporting on XXXX and XXXX XXXX XXXX reporting to all 3 XXXX, XXXX and EQ be removed because it is reporting inaccurately and unverifiable. 
I have submitted request per these dates and received a VERIFIED as ACCURATE each time per XXXX XXXX. 

XX/XX/XXXX disputed inaccurate reporting of XXXX ( verified as accurate ) XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX deleted by Equifax XXXX and placed back onto credit report same day ( now appears twice ) same identical XXXX XXXX XXXX XXXX sent me my 202 page report showing in Section 9 under Bankrupcty that nothing is there. I have attached this document as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a complaint requesting my BK XXXX XXXX reporting on Experian and BK XXXX XXXX reporting to all 3 EX, XXXX and XXXX  be removed because it is reporting inaccurately and unverifiable. 
I have submitted request per these dates and received a VERIFIED as ACCURATE each time per XXXX XXXX. 

XX/XX/XXXX disputed inaccurate reporting of BK ( verified as accurate ) XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX deleted by XXXX XXXX and placed back onto credit report same day ( now appears twice ) same identical BK XXXX XXXX XXXX sent me my 202 page report showing in Section 9 under Bankrupcty that nothing is there. I have attached this document as well.

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 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
I closed on my home in XXXX of 2020. As a first time homeowner I was required to pay private mortgage insurance premiums. I had the option to pay upfront ( about {$4100.00} per month ) or monthly for the life of the insurance ( about $ XXXX/mo for a little over four years ). 
I was told that if I paid up front, but reached the required equity threshold more quickly than expected, I could request a refund of some of the amount. 
Similarly, if I opted to pay monthly and reached the required threshold early, I could request to cancel my PMI payments. 
I opted to pay the PMI up front. 
Earlier this year I was able to make a large payment on my mortgage and reached ( and exceeded ) the threshold. 
The process of requesting the PMI cancellation was ridiculous. You have to know exactly what to ask hen you're on the phone, ( You'd like to " Submit a request to cancel PMI '' ). If you don't have the right lingo, they will hang up on you. 
Once you ask the magic question you get a secret email address listed nowhere else in any documentation or on their website. You send a specifically worded email to that address and then wait for thirty days.

So I went through that whole song and dance and, on day thirty, received an email that said " There are no PMI refunds due to you at this time. '' No explanation. No justification.

Loan Depot stole over {$3000.00} from me. I paid for over four years of PMI and only used a year and a half of it, and they just want to pocket the extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
two checks were stolen from our mail box in XX/XX/XXXX that were sent to my husband and I from a temporary employer ( XXXX XXXX  XXXX XXXX ) and cashed at XXXX XXXX XXXX  with a fraudulent signature. We contacted XXXX  XXXX via Cfpb complaint and they responded saying " After review, we confirmed that your employer will need to work with their bank to resolve this matter. XXXX XXXX will need to receive a Without Entry Affidavit from the issuing bank to return the funds. '' Our employee banks with Wells Fargo and they have been unwilling to provide us the appropriate documentation that XXXX XXXX is asked for so that we can be paid our wages. 

All I'm asking is that Wells Fargo complete the Affidavit and send to XXXX XXXX so we can be done with this.

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 2021-10-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
For the past two years I have been dealing with the burden of someone stealing my identity. The persons involved have received credit cards car loans and received personal family or household goods. I have tried to dispute all the accounts some came off and some refuse to be taken off. I've paid credit repair agents and tried to dispute myself with out proper knowledge. Today I the natural person consumer is asserting all lawful action to get remedy for my identity being stolen. XXXXXXXX XXXX XXXXXXXX has given me the hardest time they have sold my debt or shared it with a third party debt collector. Pursuant 16CFR 433.1-433.3 THE CONTRACT IS FRAUD THERE IS NO CONTRACT CONTAINING MY SIGNATURE. ALL CONTRACTS MUST HAVE TWO SIGNATURES NO COMPANY IS EXEMPT. They never sent validation of the debt pursuant FDCPA 15USC 1692 ( d ). I never contracted, agreed, or arranged any consumer credit transaction. I ask that the account be closed because I had no idea how to dispute the identity theft at the time in XX/XX/XXXX and it was still being actively used and paid in my name. XXXX XXXX  then closed account and charge off never sending me anything pertaining to the identity theft I alerted the fraud department. Each month since XXXX they have reported to the CRA 's negatively without the proper notice to opt out. XXXX, EQUIFAX, and XXXX are all apart of the identity theft. I've sent in a driver 's license, passport, social, and pieces of mail to prove identity and valid address. The credit reporting agencies failed to verify the info. They have me listed under XXXX XXXX or XXXX XXXX XXXX and that is not and have never been my name. They have listed I have as SSI Pension I have never worked anywhere long enough to receive a pension. In XX/XX/XXXX I filled and FTC identity theft against XXXX XXXX  XXXX My consumer report says it was open XXXX XXXX making me a minor at the time. XXXX sent me a letter saying that it was verified XX/XX/XXXX. Pursuant 15 USC 1681 a ( e ) all investigated reports must have sources of interviews of family and friends. NO REPORTING AGENCY has provided and investigated report containing such information. The credit reporting agencies are reporting on an alleged debt between me and XXXX XXXX  XXXX pursuant 15 USC 1681a. I the natural consumer has the right to privacy pursuant 15USC 1681a ( 4 ). These fraudulent accounts were authorized by SSC the real credit card defined under the Truth In Lending Act and these transactions must be excluded from my consumer report. This infringement has gone on long enough I want the account updated as paid and full and taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
For the past two years I have been dealing with the burden of someone stealing my identity. The persons involved have received credit cards car loans and received personal family or household goods. I have tried to dispute all the accounts some came off and some refuse to be taken off. I've paid credit repair agents and tried to dispute myself with out proper knowledge. Today I the natural person consumer is asserting all lawful action to get remedy for my identity being stolen. XXXXXXXX XXXX XXXXXXXX has given me the hardest time they have sold my debt or shared it with a third party debt collector. Pursuant 16CFR 433.1-433.3 THE CONTRACT IS FRAUD THERE IS NO CONTRACT CONTAINING MY SIGNATURE. ALL CONTRACTS MUST HAVE TWO SIGNATURES NO COMPANY IS EXEMPT. They never sent validation of the debt pursuant FDCPA 15USC 1692 ( d ). I never contracted, agreed, or arranged any consumer credit transaction. I ask that the account be closed because I had no idea how to dispute the identity theft at the time in XX/XX/XXXX and it was still being actively used and paid in my name. XXXX XXXX then closed account and charge off never sending me anything pertaining to the identity theft I alerted the fraud department. Each month since XXXX they have reported to the CRA 's negatively without the proper notice to opt out. XXXX, XXXX, and EXPERIAN are all apart of the identity theft. I've sent in a driver 's license, passport, social, and pieces of mail to prove identity and valid address. The credit reporting agencies failed to verify the info. They have me listed under XXXX XXXX or XXXX XXXX XXXX and that is not and have never been my name. They have listed I have as SSI Pension I have never worked anywhere long enough to receive a pension. In XX/XX/XXXX I filled and FTC identity theft against XXXX XXXX  XXXX My consumer report says it was open XXXX XXXX making me a minor at the time. XXXX sent me a letter saying that it was verified XX/XX/XXXX. Pursuant 15 USC 1681 a ( e ) all investigated reports must have sources of interviews of family and friends. NO REPORTING AGENCY has provided and investigated report containing such information. The credit reporting agencies are reporting on an alleged debt between me and XXXX XXXX  XXXX pursuant 15 USC 1681a. I the natural consumer has the right to privacy pursuant 15USC 1681a ( 4 ). These fraudulent accounts were authorized by XXXX  the real credit card defined under the Truth In Lending Act and these transactions must be excluded from my consumer report. This infringement has gone on long enough I want the account updated as paid and full and taken off my report.

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 2021-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: FL

Complaint narrative:
I lost my son last year to an overdose. I admit there is a hospital bill. This company State Collection Services and their CEO have been issuing hits against my credit weekly over 6 times in XXXX alone for the same {$2200.00} doctors bill. The first 5 times they reported the account was in collection the amount owed was false. 
I filed a dispute via XXXX and the amount was dropped over {$1000.00} only after XXXX did the research. XXXX agrees that there is not a real reasonable explanation for them to list this debt so many times a month ( sometime twice a week ) and they speculate that it is purely punitive in nature. I do not dispute the debt. I dispute their practice of making XXXXne bill seem as though it is late every week. This is not true misleading and to my understanding against the law. This week State Collections has reported the same debt " in collections '' twice to the three credit bureaus. I am requesting that you take action against this company and their CEO XXXX XXXX. In my opinion XXXX XXXX is human garbage for the way that he has treated me in this terrible time of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft. I completed a FTC report and a police report, as well as I contacted the creditors. I spoke with XXXX at Experian on yesterday, XX/XX/2021 and was told they received the documentation for my dispute but was unable to process it because it did not meet there criteria. I asked what else I needed and I was told that he could not disclose to me the criteria that I was missing but only that I did not meet them. I have been getting the run around. This information was submitted in XXXX and still no updates. I asked for a supervisor and was told they would call me this morning, but no phone call as of yet. I am disgruntled about this whole situation and do not feel as if I am getting anywhere. I credit is a disaster due to this and I am a victim of Hurricane IDA. I lost everything and had no insurance but was declined by the SBA because of these negative items on my report that are not mine.

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 2021-10-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I have 2 accounts with Chime and the bank they represent.

1 standard checking account and 1 secured credit card.

I noticed unauthorized activity on my credit card. I have it in my possession, so someone must have stolen the number. I reported this to Chime and locked my card. This was the first week of XXXX. 

After more than a week with no help, Chime decided to just lock my entire account. I can no longer access it. I can not pay my credit card bill ( which will hurt my credit ). I can not access my bank account. And they even prevent me from seeing any of my statements. So any more charges will be unnoticed. 

Chimes response was for me to send my Driver 's license, pay stubs, taxes, proof of address, SSN card, billing receipt 's, a picture of my holding my cards, and anything else you can think of. They asked for this despite them warning customers not to share this. 

I gave them a picture of my driver 's license. This was enough to me. Since my account with chime was compromised, I feel it would be foolish to essentially send them my entire identity. 

Chime refuses to let me access my account. I would be perfectly fine just paying my bill and transferring my money to another account. But they refuse. They essentially have taken possession of my credit card and my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I received notification of a hard credit inquiry on my TransUnion credit report. Per the credit report, the hard inquiry was made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX I did not authorize this inquiry and want it removed from my credit report. 

Thanks.

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