vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America accepted over payments for approximately XXXX dollars and I have been arguing with them for a week about getting the money back I have called many times and I keep being told different. things. 
I need the money back and currently have XXXX credit cards that are negative balances of XXXX combined. 
They put me on hold and promise things and don't deliver payments made XX/XX/XXXX calls made daily since XX/XX/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 monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliant Capital Management LLC
State: VA

Complaint narrative:
On XXXX XX/XX/2021 my XXXX XXXX XXXX XXXX was fraudulently charged {$130.00} to XXXX XXXX NH. I immediately called the number for XXXX XXXX and refuted the charge. The agent I spoke with refused to verify the address provided for this charge but did verify the name on the account as mine but the email and billing address were not. I informed them I would dispute this with my CC holder and report as fraudulent but the XXXX agent did not agree to open a fraud case. 

XXXX refuted the charge on my behalf and I was forced to cancel the credit card due to it's compromise and I was reimbursed for the fraudulent charge. Subsequently, XXXX has engaged XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX to place a collection as a debt buyer for the amount of {$1500.00}. 

I have never received any written communications identifying the contract, addresses or phone number for this supposed debt. I did receive a formal letter from XXXX identifying the investigation into my fraudulent complaint as a valid fraud and I was reimbursed the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: FL

Complaint narrative:
This card ( image attached ) has {$500.00} deposited, but Netspend puts all possible obstacles so that it can not be activated ; that's their business model. We just want to activate the card and use it. 

My nephew called to activate the card and was asked for a social security number ; since he is not a citizen, he asked me to activate it for him, but Netspend told me that I could not do it because they already had my nephew 's name. 

There is no way to activate the card online, because it's locked, so they ask you to call and when you do you get all kinds of excuses not to activate the card, like the USA PATRIOT Act, etc. 
The question is : what information does Netspend need - mine or my nephew 's - to activate the card and where can that information be sent? We DO NOT need more phone calls... we have called multiple times, but agents give us the runaround so that we can not activate the card and allow Netspend to keep the money. 

I hope you can help us activate the card.

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 2022-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I am a single mom who bought my home with my XXXX in XXXX ( we were never married ). My daughter and I have an XXXX of XXXX XXXX XXXX XXXXXXXX against him since XXXX, he is legally not allowed on or near the property. I have been trying to get a loan modification for just my income because it is just me and my young daughter living in the property. My mortgage company has told me that all I need to do is get a quit claim deed signed by my ex relinquishing rights to the property. I have been fighting for XXXX years to try and get this signed and I have gone into foreclosure. Again my mortgage told me that all I needed was to get this signed and I could get my own modification. My ex sold his part of the property to a random real estate company without my knowledge or signature, which then offered me to buy a quit claim deed from the real estate company for {$1900.00} and it will be just in my name. I have paid the {$1900.00} and now have the property just in my name. As soon as I contacted the mortgage company to let them know that I got it signed they are now going back on their word saying that even with the quit claim deed showing my ex has relinquished rights to the property I would still have to have my ex sign a modification with just my payments. This has XXXX XXXX XXXX XXXX XXXX XXXX XXXX being lied to and paying all of that money just for them to say there is nothing I can do now. I have a stable job that I have been at for XXXX years and I still can not get a modification just in my name after the countless times that I have been told by my mortgage company that I would be able to get XXXX. I have written down multiple names of the representatives that have told me verbally that was all I needed. I was in a covid forbearance plan which my mortgage company told me at the end of the forbearance that I could resume payments and that the amount owed would be put at the end of the loan and the loan would be extended or that they would offer me a loan modification. The forbearance has ended and no such offer has been made. My foreclosure sale is scheduled for XX/XX/XXXX and I am terrified that I am going to lose my home after all of this time that I have been fighting to save it. I asked if there was a special circumstance that they could accept a modification without my ex 's signature seeing that I have an OFP against him they said sorry for the miscommunication. How can XXXX years of being told one thing be a miscommunication? I feel scammed by my mortgage company and have considered hiring a lawyer to look into this because I am just shocked at how they could be this dishonest it is just not fair. I have been through so much all I want to do is make payments and keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: CO

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 2022-03-21 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: Experian Information Solutions Inc.
State: CO

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 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX I received a phone call from a collection agency stating they now own a debt that was once owned by Bureaus Investment Group Portfolio No 15 LLC on an account opened XX/XX/XXXX. The company that contacted me was XXXX XXXX. During this phone call, I told the representative I was unaware of this debt being sold and asked them to send me a verification of debt. A verification of debt letter was written and sent to them later that afternoon asking for specific information. XXXX responded with a copy of statments from XXXX XXXX. Though this is part of the information requested, it wasn't all of the information requested to prove the debt. In my letter I requested information in occordinance to information provided to me from the Consumer Financial Proctetion Bureau including topics : Why they think I owe the debt, The amount and age of the debt and their athority to collect this debt. I reside in Arkansas and under the laws in Arkansas any debt collector who is attempting to collect a dept must hold a license in Arkansas, neither of the listed companies above hold that or have not provided any proof that they hold athority to infact collect on this debt. Thursday, XX/XX/XXXX will be 30 days since I have requested this information and have not had any contact from them regarding this issue. Also, The Bureaus Investment Group still reports to my credit as owning the debt, when they infact sold it to a new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I sent Transunion a letter requesting that they disclose the method used to retrieve/verify an alleged bankruptcy on my credit report. This was not a dispute but a request to verify the method ; however, Transunion initiated a dispute for this item. 

On XX/XX/2022, Transunion responded noting that the name and person used to verify the bankruptcy was XXXX XXXX XXXX Illinois. 

On XX/XX/2022, I responded to Transunion noting that I went directly to the Bankruptcy Court and in response to my inquiry they claim to have never verified this item with Transunion as they do not report or verify such information. This would mean this bankruptcy is by law considered UNVERIFIED. 

On XX/XX/2022, Transunion responded stating that they've completed the investigation and the dispute item is verified as accurate. 

Transunion has failed to disclose the method used to verify the alleged bankruptcy considering the courts do not verify this information.

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 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Since the CFPB prematurely closed out my previous complaint without reading any of the documents PNC Bank provided, I am submitting this new complaint as a response to the original complaint, XXXX. 

Please see the attached Waiver of Escrow form that shows no acknowledgement of a fee associated with the waiver of escrow nor there a dollar amount given for the not agreed upon waiver of escrow. This is the original document PNC Bank has on file. 

PNC Bank, please note that if you refuse to comply with the original agreed upon terms of my mortgage as shown in the attached document, I will be taking this to XXXX XXXX XXXX XXXX XXXX. There you can pay a lawyer to explain to a overtly consumer friendly judge why you feel you are entitled to charge any fee you wish in accordance with the overly broad language in section 14 of my mortgage contract. Im sure your shareholders will be glad to hear that you expended so much of the companys resources to fight a {$750.00} illegitimate fee you are trying to charge me. 

All the best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This complaint relates to complaint already filed and closed number XXXX in which I charged that Bank of America wrongfully closed my LAW FIRM TRUSTEE ACCOUNT without prior notice to me. The Bank of America responded by presenting false information to this Board by stating it sent me 2 notices dated XX/XX/XXXX, and then again on XX/XX/XXXX stating my account was inactive. I never received those notices, and I do not see any proof of mailing of said notices. However, I do have, and attach hereto, a notice from Bank of America to me dated XX/XX/XXXX stating " Action required. Please contact us to update your organization 's information by XX/XX/XXXX so you can keep your account ( s ) active. I completed the notice, which was 6 pages long. Option 2 on this notice says to " Fax the completed and signed form to us at XXXX in the U.S. '' I attach the proof of facsimile sheet dated XX/XX/XXXX at XXXX pm to the above referenced number.

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 2022-03-21 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: GA

Complaint narrative:
Please HELP! 

I have been trying to reach someone at XXXX for a month now. I have send certified mail with a return confirmation receipt and yet to receive it. I have asked where did they get my public information from they have yet to provide me with a response. I have mailed them a letter from the courts stating that the US Bankruptcy court does not report to the credit bureau. I have mailed them a letter stating that I never gave them any consent to report any of my information and yet to receive any help. To report a item on a consumer credit report you have to have consent. XXXX has yet to provide me with any type of documentation where I authorize my concern to report anything to the XXXX major credit bureau. It really unlawful how they continue to report a public record that I never gave them permission to do so.

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 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/2022 LVNV Funding contacted my place of employment where I do not have a direct line and spoke to the secretary about my debt. I do not have a direct line and am constantly driving trucks throughout the day. The secretary does not need to be bothered with information about my debts. This is unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
There is a collection company that charged me twice for the same service. I paid one account and they advised me they would correct their error and it is still on my credit file. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please look into my credit report because there are accounts that i have informed the bureaus that are tagged wrongly or are not updated even if i have informed them about this but they took no action so I am making this complaint.

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 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC accepted a {$2.00} charge and charged me {$36.00} overdraft fee 5 days later even though a cash deposit was made, they will not refund this. I have been trying to close this account and forgot to unlink one past account. PNC is not assisting in allowing me to close the account either. This is very dangerous territory to be scamming customers in. PNC is constantly trying to scam its customers and they should be in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
Hello, I received a vanilla gift card for {$100.00} for my baby shower. I opened the gift card to use and was surprised it was already used. I called the customer service number in the back and it took me an hour to file a claim. The representative wanted my date of birth, name, address and location where I purchased the card ( after repeatedly said it was a gift ). The woman on the phone kept intimidating me by saying we cant do nothing without the card. But, I provided the card number. So, I have the card. I called in XXXX and followed up many times when I didnt receive my dispute claim form via email ( as promised ). I called and they told me they had the wrong email and asked for tons of personal information liken date of birth, address, etc again. Even though I gave them the ticket number and it was their error. The form stated that they will follow up in 90 days. When the 90 days is up, the dispute team wrote back to see I didnt send the ticket number. But, the ticket number is not included on the form and shouldnt matter. I responded right away and no response. I called XX/XX/XXXX and they informed me that my claim has been reopened as of XX/XX/XXXX and I need to wait another 90 days. They cant connect me to the claims people making these decisions and I have no choice to sit and wait another 90 days. This is their way of not reimbursing me They told me the card was used at a XXXX in Oregon and I live in Mass. they have the information they need and they sit on cases just to deny them and start the 90 day process again. They are a bunch of thieves. Each time I called, I waited 45 mins to dispute a {$74.00} charge on a {$10.00} gift card. 

DO NOT BUY VANILLA GIFT CARDS. I know others who lost money because theyre tired of keep following up with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: AZ

Complaint narrative:
Hello. Please look into my credit report becasue there are accounts that i have informed the bureaus that are tagged wrongly or are not updated even if i have informed them about this but they took no action so I am making this complaint.

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 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Received a mortgage account statement with what appears to be a late payment fee from Truist. My mortgage is paid by automatic debit and was deducted on time. I have waited on the phone for over 2 hours and 25 minutes, and no one responds.

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 2022-03-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Credit report shows my deceased husband credit card debt of XXXX XXXX odd dollars with XXXX XXXX XXXX XXXX which I am an associate card holder as mine and I want it removed since my husband is deceased and it shows delinquent it will hinder my credit score, When I asked for it to be removed, I was told it shows I am an associate holder, and it won't ever be removed since it says associate card holder. I have been told repeatedly it is hindering my credit score.

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: IN

Complaint narrative:
XXXX XXXX realty said application denied won't say why

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 2022-03-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have attached letters detailing the errors on 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