vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery A at XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a XXXX collateral release transfer and it's on my credit report ... I didn't use this at all after XXXX XXXX then again I found out by requesting statements Every single payment to that card was an automatic payment so I should no late payments. i I'm seeing a past balance on one of my credit reports for XXXX and the account is closed. I have tried to contact Wells Fargo  to make sure I was not negative. I cant obtain my original checking account where I made the payments. My credit score for making on-time payments with wells Fargo was XXXX. I never received any letter from wells Fargo of any overdrawn account. I never went over-limit in the 4 years I had 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 2021-02-16 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: CA

Complaint narrative:
On XX/XX/XXXX, I logged onto my account via the Bank of America app and noticed there were pending unauthorized transactions on my checking account. There was a {$2000.00} withdrawal at XXXX XXXX NY and a {$2.00} balance inquiry fee. I immediately called Bank of America who told me not to worry, I'm protected against fraudulent activity. I told them I'm located in XXXX XXXX and the transaction says XXXX NY. The rep said they noticed that as well and not to worry. They'll submit a claim. A moment later, they told me a claim can not be submitted because the transaction is still pending then told me to call back tomorrow. I called back and told the rep about the unauthorized amounts again. This rep also said not to worry, I'm protected against fraudulent activity which is what this definitely looks like being that I'm in XXXX XXXX and the transaction is in New York. They submitted a fraud claim and told me the funds will be back in my account in about 2 weeks. Claim # XXXX was created. On XX/XX/XXXX, I received a letter telling me a temporary credit will be issued. On XX/XX/XXXX, I received a letter stating research is completed and the claim is closed. I called Bank of America, XXXX XXXX then tells me that the claim is closed. I asked him what happened. He says they closed the claim because a card was swiped and pin was used. I told him it was not me. It is fraudulent. We are in a pandemic. We haven't travel outside of XXXX XXXX. I asked if the company was contacted. He said his notes say they did not reach out to the business. I couldn't believe this was the research done on the bank 's end. I informed them of fraudulent activity and the only research done was to check if a card was swiped and pin was used? I told him why would I have a fee charged to my account for a balance inquiry when I can easily log into the app or website or even call the bank of my card to check my balance for free? The rep agreed and noted it doesn't make sense. He also noticed that I was in XXXX XXXX and the transaction is in New York. It definitely looks like fraud. He will escalate this to be reevaluated and to not remove the temporary credit. On XX/XX/XXXX, the bank removed the credit. Bank of America claims to have fraud protection and that they care and understand what's going on but in reality, they don't care and do not protect against fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I did not revieve the service I paid for capital one reversed the charges back to my card, a dispute was started. 

I sent the physical items back to the vendor, I have proof of delivery and condition from the vendor. 

Capitol one is now placed the charge back on my account and is charging interest on items I no longer have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citicards CBNA. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/2013 Balance : {$4300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: UT

Complaint narrative:
I opened a PNC account on XXXX/XXXX/2020. Part of my account opening included a promotional bonus of {$300.00}. I met the requirements to earn a bonus and was paid the bonus of {$300.00} on XX/XX/XXXX. Part of the promotional fine print states " The value of the reward may be reported on Internal Revenue Service ( IRS ) Form 1099, and may be considered taxable income to you. '' I have not received a 1099-INT as of today ( XX/XX/XXXX ). PNC 's automated messaging when calling their customer service phone number ( XXXX ) states that 1099-INT forms were sent by XX/XX/XXXX and to allow 10 business days to receive that form. Today is 11 business days, so we are now 1 business day beyond PNC 's own timeline. I called customer service on Friday XX/XX/XXXX and the person who I spoke with was not helpful and gave me a number to call to a department that said they couldn't help me ( XXXX ). 

I called again today to their customer service phone number and the customer service agent, XXXX, told me that the system only shows that I received {$.00} of interest in 2020. She also confirmed that I received a bonus in the amount of {$300.00} on XX/XX/XXXX. PNC 's system should recognize that as interest. I requested a duplicate 1099-INT which is supposed to arrive in 15 business days or less. I'm submitting this complaint because I do not want to wait 15 business days as I should have received the 1099-INT. I also am concerned that PNC Bank is not recognizing the total interest that I was paid in 2020 and never sent me a 1099-INT. PNC needs to send me a 1099-INT if they have not. If their system is wrong, then they need to fix that and send me a 1099-INT as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing, has been handling my mortgage payments including an open escrow account which was supposed to take care of my property taxes. 
My county tax collector sent me a bill on XXXX for unpaid taxes with a late fee of {$400.00}!! ( those taxes were due on XXXX when I reached out to my servicing company, they claimed that they sent me a check of the open escrow so I can handle it myself!! ( something that can only be done if my account with them is closed, which was not at the time ) and by the way that " check '' never arrived!! 
I didn't want to get any more late fees so I went ahead and pay my taxes out of my savings, with the {$400.00} late fee!! and proceeded with a refinance with a different company. 
All I want now is my escrow balance including the {$400.00} late fee that Shellpoint made me pay as a result of their negligence. 

Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
Notified Citizens bank not to pay taxes and insurance from escrow since these invoices were not correct. Bank paid anyway causing temporary, false escrow shortages. Bank subsequently increased monthly escrow amount based on overinflated values. 

Customer then paid over {$800.00} to opt out of escrow. Bank issued a letter stating that the escrow account was closed per request of customer. Thinking the matter was resolved and within a few short weeks, same bank sent a demand letter for escrow funds to place in escrow so they could hold the customers money, to pay insurance in the upcoming year. 

Bank told customer in latest letter that the monthly payment will increase to cover this so called escrow. Ordeal has been ongoing for four months, and meanwhile the customer is hit with monthly escrow payments again, after the customer paid to waive the escrow option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I applied for the Bank of America business XXXX  XXXX credit card. The terms of the card gave me XXXX air miles and a {$200.00} statement credit upon spending {$2000.00} in 90 days. I met the spending requirement in early XXXX and promptly had the XXXX miles in my XXXX  XXXX account. The {$200.00} credit never arrived in my account. I have called 5-6 times since XXXX asking when I would get the credit. Each time I was told to wait a few weeks and received different answers. XX/XX/XXXX was 90 days after the {$2000.00} spending requirement purchase was met and the maximum allowed time for Bank of America to pay me this credit. They have not. I called them on XX/XX/XXXX and they said they would look into it ( weren't they already after 5 calls from me? ). I didn't hear back. I called them today, XX/XX/XXXX and after waiting on hold for an hour was told they had decided I wasn't eligible for the promotion of {$200.00}. Interesting as I was awarded the air miles and obviously successfully met the spending requirements. The same offer of 40,000 XXXX XXXX miles and {$200.00} credit is the current public offer posted on their website, so this was not some ephemeral happening. I have attached a screenshot of the offer page from when I applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Phoenix Financial Services LLC

Complaint narrative:
I have an account on my credit report that has indicated it is a medical debt. I have no knowledge of any account like this and have never had any medical debt, surgeries, etc for many many years. I have used multiple service providers to dispute this account over the last 6-7 years. Yes, I have disputed this MANY times and once it gets removed, it then gets replaced with a new collection agency. I have used XXXX, XXXX, XXXX, XXXX and XXXX to dispute all of these different attempts to clear my report. When I originally found the account on my report and disputed it, the collection agency was a company out of XXXX, Florida. Then another out of XXXX Ohio tried collecting on it and then another back in Florida, and now one in XXXX. No one has yet to tell me what this is. This has easily been on my report from one agency or another for 7-8 years. Considering this is a medical debt ( according to them as well as my credit reports ) even if it was mine, which I have no knowledge of and they have not verified and validated it is, it should only be on a credit report for 5 years ( Florida Statue of Limitations ). That alone should be enough reason to remove despite they have not verified or validated it is my debt. I believe the only way they are still collecting on it is because they keep re-aging the account and then replacing it with someone else who only sees that it's a new account and begins collection processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Direct Recovery Services, LLC
State: NH

Complaint narrative:
I had a loan account with XXXX  XXXX  which was sold off by them to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX NH XXXX XXXX XXXX. This company authorized XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX to collect this debt on XX/XX/XXXX On XX/XX/XXXX I agreed to a settlement with XXXX and it off in full over the next 3 months. 

However it seems in XX/XX/XXXX, XXXX XXXX XXXX has again appointed Direct Recovery Services ( DRS ), XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX to collect this debt AGAIN. 

DRS is now calling me and sending me letter attempting to collect a debt that has already been settled in full 2 years ago. 

I believe XXXX XXXX XXXX and DRS are groups with malintent that just try to harass people for debt that is already paid off and should be barred from doing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
A collection was put on my credit report that is not mine. The come say I have aan account for the past two months. I do not have an account with that company.

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 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I received a letter threatening a lawsuit from this company named.. 
( Peroutka , Miller , Klima & Peters , P.A . ). I have never done business with this organization and do not know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville Collections is reporting erroneously on my credit file and it must be fixed immediately. I recently checked my credit and noticed this debt but this was paid off years ago? I was told upon payment they would be removing this account from credit. However, I noticed this account is still reporting on my credit. This account must be removed from my credit file, it is paid and settled. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
According to the State Licensing Requirements the debt collectors that is collecting on my debt for Ars Account Resolution using address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.

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 2021-02-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2020 my unemployment account through Bank of America was compromised for {$260.00}. I called Bank of America and filed a complaint and they closed the account and sent out a new debit card. I received 1 payment first week of XXXX, and then Bank of America froze my account. I was told to fax ID to Bank of America fraud dept. which I did. On XX/XX/2020, I sent copy of my ID and Social Security card, front and back, to Nevada unemployment. On XX/XX/2020 I received a call from Nevada unemployment fraud dept. to verify my identity and was told 5 to 7 days my account should be open. On XX/XX/XXXX, I was sent the ID me online verification, completed. Called both organization rest of the month to be redirected to each other. On XX/XX/XXXX, I called NV unemployment and was told they had re-submit my info to have my account reopened to Bank of America and it would take 2 more weeks. Talked with both today to be told the same thing, NV unemployment says they sent the request, Bank of America says they have not received anything from unemployment. I have been in this loop for too long and account still frozen. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Lending Club Corp
State: MN

Complaint narrative:
Lending Club : daily harassing phone calls, multiple times a day, everyday up to 5 times a day from XXXX XXXX  till XXXX XXXX, using the following numbers ... 

XXXX, XXXX, XXXX, XXXX, XXXX I have never done business with them, or even ever called them. I am on the state and federal do not call list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially XXXX  me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase continues to distort the facts associate with my loan application. when the company claims that it was investigating the issues, frankly nothing was been done, or else they would have discovered that Mr. XXXX emails me on XX/XX/XXXX, indicate there is no available loan program to me. The application Disclosure dated XX/XX/XXXX was sent for my signature with a loan amount of {$460000.00} which I never seek. My email to Mr. XXXX on XX/XX/XXXX, outlines the loan amount. Chase can provide my request for the amount of {$460000.00}. Even though I indicated the number was incorrect, Chase never tries to rectify this issue. What they are not disclosing to you are the emails sent by Chase on XX/XX/XXXX.XX/XX/2020 indicating that there is no loan program available to me.

Company response to consumer: Closed with explanation