vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC BANK N.A . is criminally liable an has willfully and knowing 15 USC 1611 ( 1 ) broke federal laws by unauthorized use of my credit card 15 USC 1602 ( p ) because I never benefited from the consumer credit transaction 15 USC 1602 ( i ) I initiated with PNC BANK N.A . during initial communication it was never disclose that this is an attempt to collect a debt. All shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692c ( c ) by calling me after receiving cease and desist through the mail on XX/XX/2020 and receiving a CFPB Complaint portal on XX/XX/2020 admitted to the actions which is a violation of federal law shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692b ( 2 ) stating that me the consumer and natural person owes a debt which violates federal law by an agent from PNC BANK N.A . admitted to the actions in writing which is a violation of federal law shown in exhibits. In exhibits shows how PNC BANK N.A . are criminally liable for their action violating 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I am the cardholder 15 USC 1602 ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. Allowed PNC BANK N.A . to use my Social security card 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Shown in exhibit how PNC BANK N.A . only benefits from the consumer credit transaction by collecting on a debt that is not owed by the consumer natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
My account was put into an inactive status due to violating terms of service. The only means of contact with the company is via email. No explanation could be provided as to what the violation was other than potentially someone who sent me money violated the terms of service. Each time I contact the company a different generic response is received stating something different. My wife attempted to sign up for an account but her account was immediately frozen as it used a joint account that had been previously assigned to my account. I contacted the company to have it removed from my account as per the instructions on its website and I was told my account was deleted so there should be no issue. My account is in fact not deleted nor has the bank account association been removed. Any emails regarding any of this are responded to in a way that in no way relates to the request within the email. Any requests for escalation of the complaint are ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
When I purchased my town home in 2019 I paid the mortgage ahead a month for my own security.. In XXXX I maid more than half partial payment because I was ahead a month didn't think it would be an issue to just keep paying on my mortgage ... Wellsfargo took my partial payment put in a different account never told Me or applied my finds ... .I continue making scheduled full payments following my partial extra payment thinking everything was fine an I have a lil cushion if needed ... .I started receiving late payment notice in mail. I called they move my money I had no clue and they were not applying any of my payment saying that my extra payment was not added ... by the time I got this all figured out my security was gone an my mortgage went up an they made me pay additional XXXX to get them back on track when I was paid up w extra in bank NOT BEING APPLIED no one told me my money was moved no one told me I couldn't pay extra so for Me to.make an extra payment an it messes up my account is crazy to me I don't understand why no one would say anything I made all these payment in person at the bank an no one even.knew what I was complaining about when I came back to bank like they didn't even know about the account my money was moved to. Flash forward Corona hit and I had no cushion because of their negligence when we NEEDED IT.

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 2021-01-20 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: ERC
State: MD

Complaint narrative:
I had a sprXXXXnt account back in XXXX which was paid in full. Now suddenly XXXX is reporting a collection account in my name recently. The information provided on the credit report is inaccurate. I did not have a sprint account In XXXX. I need this information removed immediately. And sprint has failed to provide documents showing I had a XXXX  account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I purchased sunglasses online. They arrived and were the wrong glasses and upon further investigation, they were also fake. I went back and forth with the seller and then my bank. Bank of America finally opened the claim after telling me the seller claimed I wasnt in contact with them. The seller denied my refund. Bank of America then asked me for the emails with the seller. I printed and faxed them to Bank of America. I then waited months, finally called to check in on it and they told me they would put a note on my file. They called 3 weeks later to tell me that I did not get the papers faxed to them in time. No one ever gave me a time limit. I called to speak to a manager and was pretty much blown off. I was told that the manager would not help me. I canceled my account with Bank of America.

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 2021-01-20 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
With LoanDepot they are forcing users to go online to service their payment method. I do not agree to have things done electronically, thus they're violating the esign act and should service my account over the phone rather than requiring that I service myself online for things such as updating a payment method.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX Balance XXXX $ This company have harassed me on multiple occasions even after telling them that the phone is not mine. Ive contacted them via mail on 2 occasions requesting the information on my credit be verified. Ive asked for contracts signatures or anything stating this account they are claiming is mine, is mine. I have yet to get a response just a remark on my account saying its been updated when nothing has been updated. This company is a fraud and is trying to get over on people. By law i am entitled to verify anything that is on my credit and they are not giving me that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: DC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) showed up on my credit report in CHARGE OFF status. 

1. This account is fraudulent.

2. I have never opened this account.

3. I have never given given permission for someone to use my information to open this account. 
4. The credit reporting agencies have not removed this account from my records and restored my perfect credit, even though I have reported it. 
5. One agency had a current telephone number listed as XXXX which does not belong to me. 
6. I did a XXXX XXXX Search and someone has stolen my identity. 
7. Please see attachment.

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 2021-01-20 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: NCB Management Services Inc.
State: TX

Complaint narrative:
I have made several requests to obtain debt repayment contracts from NCB Management Services Inc . They have not provided me with a SIGNED and dated contract between myself and NCB Management Services. I have sent correspondence to this establishment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have since sent a response stating they can not substantiate the allegations of my dispute and to provide name, address, phone number, etc., for validation. This is a ruse to hold this account illegally to my credit profile. This company has all of my information because it is posted on my credit report. They still have not provided me with the documents I've requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX I attempted to withdraw money from a Comerica Bank ATM, located at XXXX XXXX XXXX XXXX, XXXX XXXX, as I had done many times before. The machine seized my XXXX XXXX XXXX ATM card ( I do not have an account at Comerica ) for no apparent reason. With COVID, the actual bank branch was closed, so I contacted Comerica customer service and could not get connected to a live human being. I then contacted the Comerica XXXX XXXX branch, and was told by a man he could not help me get my card back, that the card would be destroyed, and that I needed to contact my own bank for a replacement. He would not give me the name of a supervisor or manager to contact. Basically he stonewalled me. I am now without ready access to my money ( most XXXX branches are closed too due to COVID ), and have spent an inordinate amount of time contacting my own bank and fixing this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
The complaint is about Simple Bank a " branch '' of BBVA USA ( https : //www.simple.com/ ) I received my direct deposit from my employer on XX/XX/2021, but the money didn't show up in my account. 

I talked to my employer and they provided the paystub that corroborates the deposit ( I'm attaching it to the complaint ). 

I called the bank in question and after multiple attempts and almost two hours of wait, an agent answered and said that they can't see the transaction that I need a 15-digits tracking number, but the paystub doesn't have it. I requested the tracking number from my employer which they requested to XXXX ( the company managing the direct deposit ). 

However, I haven't been able to contact my bank again at all. In these COVID times where it's already hard to earn money stuff like this worsens the situation. 

I have bills, credit card payments, and a family to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have a Wells Fargo mortgage with PMI. We were told it could be removed a year ago if we paid for appraisal. Then Covid came and we decided to refi with XXXX XXXX XXXX instead. We failed to get the refi then find that Wells Fargo put us in a fore stance without our consent and our payment appeared as late and told it went to end of loan. All without us asking for any help. Now we requested the appraisal in order to take off PMI and now told we dont qualify and no explanation. We are tired of being screwed by this bank and our credit damaged. They have trapped us into keeping our mortgage with them and we never wanted them as our mortgage company due to the unlawful business they do. We want out! What can we do? Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: DC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) showed up on my credit report in CHARGE OFF status. 

1. This account is fraudulent. 
2. I have never opened this account. 
3. I have never given given permission for someone to use my information to open this account. 
4. The credit reporting agencies have not removed this account from my records and restored my perfect credit, even though I have reported it. 
5. One agency had a current telephone number listed as XXXX which does not belong to me. 
6. I did a XXXX XXXX Search and someone has stolen my identity. 
7. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: DC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) showed up on my credit report in CHARGE OFF status. 

1. This account is fraudulent.

2. I have never opened this account.

3. I have never given given permission for someone to use my information to open this account.

4. The credit reporting agencies have not removed this account from my records and restored my perfect credit, even though I have reported it. 
5. One agency had a current telephone number listed as XXXX which does not belong to me. 
6. I did a XXXX XXXX Search and someone has stolen my identity. 
7. Please see attachment.

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 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Improved Data Services LLC
State: MI

Complaint narrative:
There have been periodic calls and communications from this company regarding a debt that is not owned by me and is instead apparently owned by my father instead, whom I have not had communications or associations with for many years ( estranged due to family dynamics ). The most recent of which was via text message on XX/XX/2021.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
Im restricted from using or closing my account. I have provided identify verification documents. My account has been in review for weeks and months. They wouldn't do anything. They wouldn't close my account or remove restrictions on my account. They violate many rules in their US operation. They say they are bound by XXXX  rules, and they don't care about US laws

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 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I applied for a REFI with Amerisave back in XX/XX/XXXX. I have answered all the questions, provided all the information ask for, filled out all the forms, signed and sent them XXXX dollars of ernest money. The process just keeps dragging on with new excuses and asking for repeated forms to be signed. It is now XX/XX/XXXX and I have tried several times to get answers from them about updates on my progress and have gotten no response with information. Can you please help? Thanks

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Analysts of MN, Inc.
State: MN

Complaint narrative:
I received a letter from Professional Credit Analysts of Minnesota ( PCA ). The letter tells me that I have failed to make arrangements on Acct # XXXX for XXXX XXXX XXXX with a balance of {$950.00}. The letter asks me if I would agree to a voluntary wage assignment. 

I have no accounts with XXXX XXXX XXXX  XXXX XXXX MN. I asked what the loan was for and proof of my signature. They told me they would have to " request '' this information. 

PCA said that my SSN and birthdate were on this loan. I have asked them for proof of the loan and proof of my signature on this loan. 

What if someone received this letter and didn't know their rights? They'd automatically pay this. Who does this to someone? 

When I got off the phone with PCA I called XXXX XXXX XXXX XXXX XXXX MN and they told me they have no accounts for " XXXX XXXX. '' How did my name, SSN and birthday get attached to this loan and why is PCA saying I owe this money and asking me to agree to a voluntary wage assignment?

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 2021-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
A check was sent to Avant on XX/XX/XXXX to payoff loan. Avant- cashed the check in XX/XX/XXXX. They have not credited my account as of XX/XX/XXXX and refuse to track down check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On the XXXX of XXXX 2020, I withdrew XXXX ETH  from Binance to Coinbase. I double checked the target address, and the tokens were received by coinbase but did not appear in my account due to BEP-2 network being selected. At the date of transaction, the ETH were equivalent to {$2900.00} USD. I have been a long time member with coinbase for 3+ years. All my personal information is verified with them. I contacted the support team on several occasions only to be met 15+ days later with an inadequate, automated response. Coinbase has the ability to credit my account with my funds, or at the very least send the tokens back to Binance, but they refuse to help and acknowledge my issue. Lastly, I want to mention that there exists a GROWING group of 80+ members, all whom share the same issue and have collectively lost over {$70000.00} USD, and are pressing to have this resolved. The attached document expresses the grandeur of this issue for itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
From XXXX to XXXX Capital One and other credit cards that I had were sending money to a fake XXXX card account> I paid of All the cards and canceled them all,,,, Capital one keeps send me and you wife junk mail for their pre-approved officers! I have filed a complaint with you and the said they would stop sending me their fake pre-approved officers! I want them to stop sending me their fake pre-approved officers!

Company response to consumer: Closed with explanation