vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021,, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Please note that Under the Electronic Funds Transfer Act, which oversees electronic payment services, if an unauthorized person removes money from my account with XXXX, my bank must reimburse me as long as I report the fraud within 60 days after receiving my statement. In my case, I reported the fraud immediately. As such, I request that my money be reimbursed. 

Failure on Wells Fargos costumer service end to advise on adequate fraud steps, such as immediately close my compromised account and change the bank account number is not the costumers issues. I spent over an hour at the bank and several hours on the phone and the step to change my account number was not taken until I requested it days latercall logs are recorded. In comparison, other competitor banks took this step immediately. Additionally, upon adequate investigation Wells Fargo can tell that Ive never made a XXXX  payment to a thirds party not under my name. The fraud is clear and Wells Fargo failed to take precautions necessary to protect its costumers. 

Please note that according to the EFTA, if a financial institution breaks laws established by the EFTA, I may sue for damages in court. That is, if Wells Fargo refuses to credit the money back since Wells Fargo failed to prevent the transfer when I reported the fraud and told them to freeze the account. In this case, I am entitled to the money lost and potentially punitive damages between $ XXXX {$1000.00} as well as court fees and attorneys fees.

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 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
Convergent outsourcing sent me a letter dated XX/XX/21. They claimed that I owed XXXX XXXX {$390.00} and that they would settle with me for {$270.00}. This is a fraudulent claim because I have no current account with 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 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I have a mortgage with Freedom Mortgage Corporation ( FMC ). As of the mortgage statement dated XX/XX/2021, I had an amount under Partial Payment Unapplied of {$2500.00}. ( This amount also appeared on previous statements. ) A full payment totals {$2500.00}. Freedom Mortgage holds partial payments " in one or more separate suspense accounts. Once we receive funds equal to a full monthly payment, we will apply those funds to your mortgage. '' ( quoting from the statement ). 

On XX/XX/2021, I sent FMC {$4.00}, which, combined with the unapplied partial payment, would total {$2500.00}. That would cover the amount due XX/XX/2021 of {$2500.00}. I later called FMC on XX/XX/2021, after my bank confirmed that the {$4.00} had been paid and spoke with a FMC representative, who confirmed that the combined amount would cover the payment due XX/XX/2021. 

FMC, as of their statement dated XX/XX/2021, has not recognized any money paid towards the amount due XX/XX/XXXX. The Partial Payment Unapplied of {$2500.00} has simply disappeared. They have taken my money.

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 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
I sent written communication disputing the validity of the debt and informing them not to make any further attempts to communicate with me regarding collection of the debt without first providing written verification. No written verification was received and i have not only received repeated phone calls, but continued written correspondence attempting to collect the debt that is being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
They took me through so much they denied me at first them finally approved my claim XX/XX/XXXX I was told that once it was approved I would have my funds now here we are its approved and I still dont have anything in my account but the Definitely made sure that they took out their adjustment credit fees I need my funds now and dont have them all they have to do is send me my funds and they still have yet to send me my money back to my account this has been my worst nightmare I have until XX/XX/2021 to pay my bill and still do t have my funds and not ton mention I was told that I could not get another card until my balance was brought back up to a positive balance all because One of the agents said that they seen a positive balance in my account back in XXXX and try to re-issue me another card and it not only denied her but it also close my car so now I have to wait until my balance comes back up to a positive to get another card this is ridiculous and very incompetent

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 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: DE

Complaint narrative:
I called the original creditor and all three bureaus on XX/XX/2021 and XX/XX/2021 no one is helping me

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 2021-02-24 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: FL

Complaint narrative:
XXXX and Experian have responded to me that they have verified the bankruptcy XXXX. 
The bankruptcy XXXX has been removed from the XXXX XXXX database. XXXX XXXX reports the bankruptcy and verifies that it has been removed. 
XXXX and Experian verified the bankruptcy in error or did not bother to verify at all. 
It has been removed from 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 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I'm having an ongoing issue with PNC bank. The branch I'm having issues with currently is XXXX XXXX XXXX XXXX PA XXXX. There was a fraudulent check tryin to be withdrawn from my account. They did not file a report about this issue. They did not give me the options or measures to take because of this issue. My account is compromised and I want to know the next steps. They are not giving me the ID of the person who tried to cash the check either. The bank manager 's name is XXXX XXXX XXXX. I recieved an email from him on XX/XX/XXXX and left a voicemail for him. He called me XX/XX/XXXX but he told me to call the main number. I called the main number and there was no complaint in place. I tried to stop by the branch but he was not working. I left him another message and emailed him on XX/XX/XXXX with no reponse. Another amail was sent febuary XXXX and still no response. I need this issue to be resolved right away and a police report filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: NC

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

5. XXXX, XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank Business is offering a bonus of up to {$2000.00} when you open a new business checking account. The bonus you receive depends on how much you deposit, balance must be maintained for 60 calendar days after deposit. 
Receive a {$200.00} bonus with a {$5000.00} deposit Receive a {$500.00} bonus with a {$15000.00} deposit Receive a {$700.00} bonus with a {$25000.00} deposit Receive a {$1000.00} bonus with a {$50000.00} deposit Receive a {$1500.00} bonus with a {$100000.00} deposit Receive a {$2000.00} bonus with a {$200000.00} deposit -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I deposited {$100000.00} into my business checkin acct for the 60 calendar days and was supposed to receive the {$1500.00} bonus, but Citibank has not complied with offer terms

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 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: IN

Complaint narrative:
This is wrong, unknown and I do not owe this. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Bliksum, LLC
State: CA

Complaint narrative:
Loanme Inc, originated a loan in XXXX with me when they were not licensed under California XXXX XXXX to lend in the state of California. They made false representation on the promissory note that were license to lend when in fact they were under a Desist and Refrain Order by the Commissioner of Business Oversight of the State of California. ( See enclosed Order. ) They were not properly licensed until XXXX. This company has had a history of predatory and deceitful practices including changing the company name several times, using non licensed agents for lending, and originating mortgages with a false NMLS number. The loan itself charged a criminal 116 % compound interest. I paid over {$17000.00} on a {$5400.00} loan and still owed over {$5400.00} according to their calculations. 
In addition to this, the company reports a false payment history. The only lates that should be reporting are the XXXX lates that caused the account to go in default. However, Loanme inserted false lates in XXXX ( see enclosed old & current reports comparison ) AND under agreement with a Loanme supervisor, the lates of XXXX were to be removed. I've attempted to resolve with Loanme and XXXX  to no avail for the last 2 years. 
I want the account removed from my credit report since they were not licensed to lend and practice predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX claims that I owe them {$170.00} for an account that they bought from XXXX XXXX. I have written to both XXXX XXXX, XXXX XXXX asking for more information and they have not been able to provide anything except an address that has never been mine, and my social security number. Of which I am alarmed on how they obtained my personal information. 
We then called XXXX XXXX to discuss the letter they sent me saying that they wanted so much personal and private information that I felt had nothing related to this as was an attempt to further scam me. In that conversation, they were extremely nasty, swearing and threatening me when I told them this is not my account and I do not owe the debt. I then wrote another letter attesting and certifying that the account was not mine and I do not owe them, thus I will not be paying for something I do not owe with a sworn Affidavit as I feel they are attempting to extort money from me. My family said to just pay it to make it go away, but I disagree, I have found that this company does not stop and continue to extort money from people. 
I have provided extensive documentation to both Equifax and XX/XX/XXXX to certify and attest that this is not my account and I do not owe. But they continue coming back saying that the creditor has verified the account is valid. Will of course they will and the credit bureaus will not listen to me as XXXX XXXX is paying them to post this bogus account on my credit reports and they ignore everything I provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I entered into a mortgage with a non-entity call America 's Wholesale Lender, owned and operated by Countrywide/Bank of America. The Mortgage closing reported the Title Insurer as the Federal Closing agent. The property was owned by myself and my son however both the bank and the title insurer only required my signature on the Note and Mortgage. I was required to sign a Quit Claim Deed to remove my son from title. The Title Insurer then removed their certification stamp from the documents prior to filing them with the public land records and in the court system. 

While this was a {$58000.00} lien and a 15 years fix rate mortgage. After 5 years and 4 months ( by XX/XX/XXXX ) I had repaid {$62000.00}. However several payments had showed they were simply reversed out of the account after payment had been received and the checks had been cashed. Some money had been added back into the account however several thousands of dollars have, to this day, remained missing. 

On more than one occasion the Bank had cancelled the homeowners hazard insurance in order to replace it with lender forced insurance. A complaint was filed with CFPB, however nothing was ever done to the knowledge of this homeowner. The bank, to this day, still has lender forced insurance on the property. 

The bank advised the court that it had complied with CFPB and court requirements to send the homeowner a Notice of Acceleration, however through court documents that Notice was proven to have been manufactured and via US Postal Service tracking it was sent to n address in California not to this homeowner. 

Over the course of 10 years this homeowner has sent the Bank 4 separate Error Letters. The bank has responded to each one, however never fully complied with any of the requests for documents. The Bank also lied and mislead the homeowner in each of it's responses. To dated the Bank has failed to follow the requirements of the RESPA Act of Congress ( Regulation X ) and now know as CFPB Regulations 12CFR1024.35 On XXXX XXXX, XXXX the Bank filed a foreclosure complaint against Both Homeowners. The court ruled in favor of the homeowners on XX/XX/XXXX. This ruling was overturned by the Florida XXXX District Court of Appeals on XX/XX/XXXX. The Homeowners basically won again on XX/XX/XXXX when the court determined based on the evidence that it no longer had " Jurisdiction '' over this case to proceed.

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 2021-02-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Wayfair said if I paid for my debit, after not sending proper notifications. It would pay for delete. They did not this my account is now even more negative than before paying this off. This is in writing, there is confirmation of this. They did not send notices or call proper numbers. They need to fix this immediately or there will be legal action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: North American Asset Services, LLC
State: NY

Complaint narrative:
I received a call for a " complaint '' for a former sister-in-law ( 20 years ago ) which said " she now had " notice of the complaint '' and to call the lawyer handling the matter at ( XXXX ) XXXX. I called the number left, gave the complaint number and said that I was not the person they were trying to reach, that there was no notice and asked why they were calling me? The receptionist could not answer but said she would remove my number. I asked to talk to a supervisor, and when the supervisor got on the phone, I asked why they had called my number. He denied that anyone called me under his employment, he claimed that he could not control " third parties '' from calling me. He told me I was speaking too fast and should " let him finish ''. I repeatedly asked why they had called me and that the number left was for his company. Ultimately, as he got nasty, I asked if that was the way he did business/talked to people and he indicated it was the way he talked to " women like me ''. I asked what that meant and he said I was not " acting like a lady ''. I said I didn't know that there were specific rules for women, and I would be filing a complaint. He told me to ask my former sister-in-law why they were calling me, " how about that ''. I never got an answer as to why I was being called. He asked if I was " done '' and I said no, that he was a misogyinist and I would be filing a complaint with the FTC. He asked if I wanted a recording, and unfortunately I said no, but he said that they would replaying the tape in his office and laughing at me all afternoon and to get off his line. He claimed his name was XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This account is older than 7 years and past the statute, I want it removed. 

XXXX XXXX TransUnion XX/XX/XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$530.00} {$530.00} No. of Months ( terms ) : 0 0 High Credit : {$530.00} {$0.00} Credit Limit : {$300.00} {$300.00} Past Due : {$530.00} {$530.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX 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 explanation