vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
For months I been contacting ERC to removed derrogaroty remarks out of my credit report. I own XXXX  credit card with XXXX for 15 years or more, before covid started I put myself behind, NEVER in 15 years late, with a total line of credit of {$8000.00} never used. 
My Dad got XXXX anf priorities shifted, I still called them and I was unemployed in XXXX for 6 months and I keep them informed. In XX/XX/XXXX I resolved this debt in a settlement of {$900.00} with ERC the cpllction company XXXX  used to collect, they pulled the wrong amount due to being made over the phone with a debit card ( never again ), they pulled {$1200.00} so the bank reimburse me for {$330.00}. I called them in XXXX I told them I needed to be reported diferent in my credit since I have already paid, they advise me to talk to XXXX  that they do not do any reporting. Is been a a totally struggle and right now this account is preventing me to refinance my home. In XXXX XXXX I sent letters to XXXX XXXX the 3 credit bureau XXXX to XXXX XXXX after hearing the shoking news that my account have not been paid, this letters included copies of bank statement, letter of settlement and they still doing nothing about it. I also faxed the probe to them and e mail the satements This is unfair dealing I had paid this account in the settlement they agreeded upon which was {$900.00}. I need them to fixed I called the Law firm  XXXX XXXX and a lady by the name of XXXX XXXX said that they been handling my case as a complaint not as a dispute and that allow them to revised ONE more time the documents I Sent XX/XX/XXXX to her e mail at XXXX and give them 5 days to call back for the status. 

XXXX of XXXX showed amount pulled by ERC-XXXX  XXXX XXXX XXXX on XX/XX/XXXX transaction Statement of XXXX showed amount of {$330.00} a provisional credit from transaction XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 tried reaching out to this Bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from my credit 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 non-monetary relief
Consumer complaint received 2021-12-08 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:
I tried reaching out to this Bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from my credit 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 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: UT

Complaint narrative:
My BBVA account was recently acquired by PNC Bank without my knowledge. PNC Bank failed to notify me of the acquisition as well as any chance to avoid fees. Therefore, I had no chance to avoid the fee of {$2.00} for sending me a paper statement. This paper statement was the first notification I received from PNC Bank. When I called and asked for a refund, PNC Bank refused to comply stating that the fee had been " properly assessed ''. I did not have paper statements when I was with Simple nor did I have paper statements when I was with BBVA. I have closed out my account with PNC as of today ( XX/XX/2021 ) so that they can not charge me any further fees they have not properly notified me of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2021 the bank allowed for several fraudulent checks to be deposited by only using a picture of said checks utilizing one mobile device and another screenshotting the checks which one was for {$3000.00} and 2 for {$1000.00} each total of {$5000.00} and made available {$1000.00} for immediatte use and allowed {$1000.00} to be XXXX  out to the thiefs who manipulated my teen daughter into this scam, now the bank did absolutley no investigation and now are holding us liabe to pay the {$1000.00} that became readily available by the bank including fee 's of returned item fee 's total amnt owed is {$1000.00} which again would not have been made possible if the use of only using screen shots of pictures to be utilized for this fraud to be done on us, theres a email adress associated with the zelle transfer which they could trace and know who received the money and charge them to pay the money back. I received no help from my bank but a bunch of sorry 's which dont help my situation, i worked hard to get my credit scores but if this ends up on my credit and my daughters who is barely a young adult will completly set us back. I know using technology these days is more beneficial but having allowed such a transaction only with an image of an image should not be allowed and funds should not readily be made available in such large amounts unless its a direct bank transfer to another bank period!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for Wells Fargo active cash card with the promotion of cash back and 0 % APR for first XXXX  months. I have already fulfilled the conditions for cash back bonus but I haven't received my cash back bonus yet.

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 2021-12-08 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: FL

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: CT

Complaint narrative:
I entered into a payment arrangement, now I have no idea what the balance is, terms of agreement or anything else. When I call I cant get any answers on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america is always giving me a problem on their verification id questions they cancel and hold my card from me without my permission and they do not help me resolve this issue i dont know why they are doing this to people and accessing online is a problem as well because employment development department and bank of america do not have ability to solve issues

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 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Hello Consumer Protection Bureau, In XXXX of 2021 my credit card declined as I was using it because it supposedly hit the credit limit. However, I knew I had not hit the credit limit so i called the credit card company ( Barclays ). When I called they listed items on the account I had never purchased. We immediately logged those as fraudlent items to be investigated and then closed the account. However, Barclays issued another card ( not at my request and I did not know it ). That second card continued to have fraudlent charges hitting it but i did not know until I got another statement a month later. I called Barclays again and had them log those as fraud transactions and again close the account. This happened after trying to call the company several times and being put on hold each time for up to three hours each time. 

A month later i got another statement showing i was still outstanding on a balance on the second card ( the one I did not request and never had in my possession ). The total outstanding balanace was {$7000.00} which was connected to a fraudulent transaction ( a XXXX flight purchase under a different name - not me - so obviously fraud ). I called again and the company said they applied a credit to the wrong card and they then cleaned it up and supposedly everything was fine. That call happened on XXXX XXXX. However, I got another late statement and then tried to call again. At this point, no one can help me. When I talk to the Fraud department they say they've cleared all the Fraud, when i call customer service, they just refer me to Fraud. I have tried to get a manager but no one can help. 

I was a loyal customer at this company for 10 YEARS and ALWAYS paid on time. I never had a late payment for anything. This is the worst, worst customer service I have ever experienced and I would never recommend Barclay 's card to anyone. 

I am really hoping that sending this through the consumer protection group will help get attention to this issue. I don't know where else to turn. 
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 2021-12-08 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: Coinbase, Inc.
State: IL

Complaint narrative:
There were ( XXXX ) deposits initiated from my bank to coinbase. Since my bank was being acquired by another bank, there were internal issues with processing the transactions so all ( XXXX ) deposits were returned as nsf. Coinbases policy is that they auto-recover the funds in 5 days from my coinbase account if the deposit is not successful. It has been over a month and my coinbase account with the non-auto recovered funds and my own funds is XXXX until the deposits are taken care of. This means coinbase never auto-recovered my funds and there is no resolution as coinbase wont allow a deposit attempt again from the same bank account. The total amount that coinbase needs to auto-recover from my coinbase account is {$370000.00} which they are able to do but for some reason are not since my account balance is {$400000.00}. Coinbase virtually has no customer support. I have sent several emails regarding the issue with no resolution but more of a generic response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: IL

Complaint narrative:
I am struggling to get inaccurate inquires removed off of my credit report. I have disputed two inaccurate inquires with Transunion via certified letter, but the company responded and said the inquires were verified. It was recommended that I reach out to the creditors who did the inquires directly. I called the companies that were reporting which are XXXX XXXX  and XXXXXXXX XXXX, and I was told by their employees that I needed to dispute the information directly with the credit reporting agency. Since I had already done this, I called Transunion to tell them what the two banks said. The Transunion representative was apologetic about the inaccurate information, but still referred me back to the other two companies. I was told that I needed to call the companies and request a deletion letter and once that arrived to mail that letter to Transunion. My concerns are that this process is inconvenient and causing me stress  and hindering me from being able to access consumer credit because there are other companies that are denying me credit due to how many inquires I currently have. I have been disputing this information since XXXX. It is now XXXX, and I am still being given the run around. I dont understand why getting inaccurate information off of my credit report is so difficult.

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 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: AR

Complaint narrative:
I have reach out to SN Servicing because I was sent a letter saying I was {$15000.00} behind in my mortgage when for a XXXX I have been sending in the payment amount of {$600.00} and when I called they were very RUDE to me as I was trying to understand what happened and why they said I owe that amount because my escrow had went up, I was not aware that it had went up or that my payments had changed. I completed a loan modification to try and reduce my payments so I can continue to live in my home and was told I was denied. I spoke to XXXX XXXX and she said her investors told her to go forward with Foreclosure. I am not sure who my XXXX Holders are and I am not sure what is going on, I have not been getting any mortgage statements in the mail. I was calling and leaving messages and resorted to e-mailing trying to get some help with this matter. Once I realized my insurance is what made my escrow go up, I have found some cheaper home owners insurance but they are refusing to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
This is the second complaint i have made about this company. I tried for 2 years to get this company to agree to a re-modification. I had to make a complaint against them because their business practices were shady bordering on criminal. After receiving an agreement 3 months ago saying i have to make XXXX test payments to complete this re-modification this company is up to its old tricks. I have made the first XXXX payments but i am reluctant to make the third because throughout this period there has been no good will reciprocated by these people. Despite the fact that i have kept my part of the agreement and made the payments i have continued to receive threatening letters and phone calls. Also there is a disparity between the amount the online account says is due and their automated phone system. Their representatives have continued to lie and make deliberate false statements about the situation. I just received a call from them claiming that the mortgage is in default and i have not paid which is a lie. When i reminded the person who called herself XXXX or something like that that i spoke to them last month about this issue and what she was saying was not true she claimed the payment was returned. I reminded her that the first attempt was returned because the bank suspected fraud so i sent it through another bank. She claimed at that time last month that as long as the last payment was made before the end of XXXX the trial period would be satisfied. This person was saying something entirely different today. I wanted my XXXX to assume this mortgage because i am too old to be dealing with this dishonest criminality and lies. I don't believe this is a oversight i think these tactics are deliberate to get me to just give up and give them my house. These people claim to record all calls so these records need to be subpoenaed as proof of these dishonest and deceptive business practices.I believe these tactics are clearly conspiracy to commit mortgage fraud which falls under the FBI 's jurisdiction. This company is a debt collector and not a mortgage company in reality. Even their name is a lie. Debt collectors are parasitic and will use any tactic to take advantage of consumers even if it crosses the line. A full investigation of this company needs to done to stop them from breaking the law. I am certain that they are breaking the law and someone needs to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi I hope everything is good. I sent you a letter over a month ago it was dated XX/XX/2021 and I was expecting to get a letter or notification regarding this but I haven't. i was told to go to this website to reach out to you and request to check my letters. I need those errors to be fixed as soon as possible so please do investigate and remove that inaccurate and misleading information 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 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, my older brother XXXX XXXX asked me to co-sign on a vehicle that he planned on financing in the state of Florida. To my knowledge, the account was closed out in XXXX in the amount of {$6300.00}. My credit report ( attached ) also shows the account as closed. On three separate occasions over the course of 3 years, I have had to explain why a closed auto loan from XXXX XXXX XXXX XXXX has shown up as a collection mark on my credit report. On XX/XX/XXXX, I contacted NCB Management services to get a debt deletion letter, since I plan on purchasing a home soon. The manager, XXXX XXXX promised to send the letter on two separate occasions and has still not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: CA

Complaint narrative:
Hello I sent a dispute for my closed XXXX XXXX XXXX account to all XXXX credit bureaus on XX/XX/XXXX and didnt get my dispute results until XX/XX/XXXX from Experian and XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX which is over the 30 days. All XXXX bureaus after reported it as a charge off on my account in XXXX wrongfully when the account was closed in XXXX and now it is affecting me even worse to the point where its harming my credit file and I cant obtain anything as I am trying to buy my first home.

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