vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
After exposing my case extensively to the BOFA about the fraudulent charges made to my credit card more than two years ago in XXXX, after answering the results of its first investigation refuting all its arguments with proofs and having sent by US post service and Through the CFPB all the attachments and enough information so that they could verify my arguments, they call me from the bank on XX/XX/XXXX of this year to inform me that they were waiting for some information and that having it would give me an answer, seeing that the days and did not receive an answer call the bank and nobody was aware of the case, the fraud department reopens the case at my request but not as a follow-up to the case opened by CFPB. Within weeks the same letter arrives with the same response sent earlier as if they had never received any information from me. On XX/XX/2019, I received a letter to XXXX where the bank informed me that they need to talk with me about the case and that I have 5 days to respond or close it. This letter was sent on XX/XX/XXXX and arrives in XXXX on XX/XX/XXXX, two months later. I have called the bank and they have me walking through the collect department and after hearing the whole case they tell me that I should discuss it with the fraud department, they transfer me again with them and the call always arrives at the department of collect where it repeats the cycle and no one supports me with my problem or they say what information they need from me. It is as if they are protecting someone inside and do not want to do a serious investigation and give me the answer I deserve as a client. Definitely I will not pay for some charges that are not mine. The bank received payment to the fraudulent charges of someone who is not me by telephone for {$5200.00} and after almost two years they revert that payment and now they are trying to charge me. Sincerely the impression I have as a client is that the security of my information is very fragile in this bank or that someone is doing fraud from within and the fraud department does not want to see or accept it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Paid car loan off in XXXX of 2018. I never received the title or payoff statement. Request on separate occasions and went to local branch office. They provide a letter that said loan was paid off but did not include letterhead, vehicle information or signature. Also provide copy of original title. Took the documents provided to dmv and was told these items are insufficient. Called PNC Bank a 10th time and Im still waiting to here back. They never provided loan statements or a coupon book during the loan period. I feel like Im being held hostage by the bank. Please let me know how to get a copy of my car title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My Mortgage Company is PHH. They recently purchased the servicing of my loan from Ocwen. I  made a payment on XX/XX/19 which was applied entirely to principal, despite the fact that payment was due for XX/XX/19. I have sent them 3 emails and made one phone call. They told me it would take 7-10 business days to correct, we are well past that time frame. I used to pay ahead of my due date with Ocwen and they always appropriately applied it to the next payment due. I should now be due for XX/XX/19, but it shows XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: NY

Complaint narrative:
Transunion investigation did not fix error

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 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpha Recovery Corp
State: CO

Complaint narrative:
I have been contacted by Alpha Recovery Corp. claiming I owe them {$4300.00}. 

I have been repeatedly harassed by them despite making it clear I do not owe this debt. I legally vacated my Apartment in good standing. Under Colorado state law I am entitled to request they cease contacting me and have not done so. 

I informed XXXX I was vacating on XX/XX/XXXX due to their breach of lease by failing to address basic maintenance issues, filth and allowing the energy company " XXXX '' to monopolize the parking, idle at all hours and engage in work and staging activities by their hundreds of employees occupying the building. 

On XX/XX/XXXX without prior noticed they illegally entered my apartment and locked me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly a collection for {$8300.00} on SSA/OFFICE partial account number XXXX. ( Please see page 27 of the attached credit report. ) I was in a very serious automobile accident and I was on SSDI. I used their ticket to work program where you can work and not lose your benefits while you are transitioning back to work. This collection is being reported in error on my credit report and is not mine. This inaccurate reporting is harming my credit score. Please delete these line items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
IMMEDIATELY WHEN I FOUND THAT MY CREDIT WAS BEING ILLEGALLY USED, I CONTACTED THE CREDIT BUREAUS TO HELP ME WITH THIS ON XX/XX/2019. THEY PROMISED TO INFORM ALL CREDITORS OF MY SITUATION. MIDWEST RECOVERY IS THE ONLY COLLECTOR WHO HAS FAILED TO RESPOND TO THIS URGENT MATTER. I HAVE CONTACTED THEM BY LETTERS AND BY PHONE REQUESTING REMOVAL OF THE FRAUDULENT ACCOUNTS AND HAVE BEEN IGNORED. ON XX/XX/2019 I SPOKE WITH XXXX XXXX IN MANAGEMENT AND SHE FAILED TO COMPLY WITH FCRA AND HIPPA LAWS AFTER THE MATTER WAS BROUGHT TO HER ATTENTION. MIDWEST RECOVERY IS IN VIOLATION OF FCRA 617,616,621,615,623A ( B ) ( 2 ) AND SECTION 605b OF FCRA LAW. TO MY UNDERSTANDING THEY SHALL BE SUED BY, FTC OR CONSUMERS FOR THESES VIOLATIONS FOR {$3900.00} PER INSTANCE. I DO NOT OWE MIDWEST RECOVERY ANY DEBT. MIDWEST RECOVERY HAS NO CONTRACT FOR DEBT WITH ME AND HAVE BEEN NOTIFIED AS TO WHAT THE BEST PROCEDURE FOR IDENTITY THEFT BUT REFUSED TO COMPLY WITH HIPPA/FCRA/FTC LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Armed Forces Loans of Nevada Inc.
State: VA

Complaint narrative:
I have been a customer of Armed Forces Loans for a period starting on XX/XX/XXXX until XX/XX/XXXX. I was never late in the beginning I could refinance my loans after I reached a certain point of paying my loan down. I had a disagreement with two of there employee 's and since that time I have been denied for several different reasons why I could reapply this has gone on for at least two years every time they denied me. They have totally blocked me from getting any loans based on my credit I had the same credit the first time I applied I have a 5 year history with this company now I the bad guy. I know they have violated my Constitutional and Civil Rights by discriminating against me with false reason. There next denial was today after they told me I had to wait until XX/XX/XXXX which was a year long wait to just apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contacted Sync/Amazon about an account # XXXX that is showing on my credit report for all three credit reporting agencies. I sent them a letter ( attached below ) asking them to provide me with information as to why this account was showing on my credit report. I let them know that if they could not provide the required information that the account needed to be removed from my credits reports per the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

They responded only with a letter ( attached below ) saying that the account referenced was sold. Sync/Amazon did not provide me with any information stating why the account is being reported to the credit reporting agencies and in no way did they validate that this debt actually belongs to me. Their response does not meet the requirements of the Fair Credit Reporting Act to validate that this account should be reported on my credit reports. If they can not validate that this debt belongs on my credit report it needs to be deleted immediately. I would rather have these items removed from my credit reports without having to take legal action.

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 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I lost my job and was unable to meet my obligation to Synchrony bank, charged off the XXXX XXXX card and had it placed in collections. After waiting until the check cashed, I called onXX/XX/19 to get a paid in full letter. To my surprise I was told that I placed a do not contact order so they can not send me a paid in full letter until I sent them a letter via fax or US Mail. I faxed the letter on XX/XX/19. Never heard back from or received a letter. Called back on XX/XX/XXXX to inquire and was told they never received my fax and I would have to do it again. So I sent another fax to them along with the original fax and conformation. I was told they would fax me the letter by by today XX/XX/2019. The fax did not come. I can not seem to get this company to provide me with a paid in full letter no matter what I do.

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 2019-07-09 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: CO

Complaint narrative:
XXXX  and Experian are reporting incorrectly a collection for {$8300.00} on SSA/OFFICE partial account number XXXX. ( Please see page 27 of the attached credit report. ) I was in a very serious automobile accident and I was on SSDI. I used their ticket to work program where you can work and not lose your benefits while you are transitioning back to work. This collection is being reported in error on my credit report and is not mine. This inaccurate reporting is harming my credit score. Please delete these line items 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 2019-07-09 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-07-09 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I had paid with my American Express the last amount for a trip with the invoice being a total of {$2100.00}, the invoice included the travel insurance. Each call to the travel agency ( XXXX ) resulted in a transfer to nowhere or not receiving the information that was promised. I have contacted the credit card company on XX/XX/XXXX to help resolve the issue but they are not able to provide the refund even the clear fraud that the web page is doing. I have contacted as well XXXX XXXX XXXX to no avail. 
I have no received any information from any party what are the intentions or required documentation to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
Our mortgage was sold to this company called Fay Servicing based in XXXX IL. Our mortgage was originally with XXXX and was sold to Fay servicing. The amount of our mortgage payment with XXXX was {$1600.00}, and has steadily grown over time to its present amount of {$2000.00}. This is way more than we can afford and was wondering as a consumer what my next step would be. I have heard that this Company is in a class action lawsuit for their illegal practices. I am struggling to get the funds together to pay the {$15000.00} they were asking for last week, they called today and said they needed {$20000.00} to save my house from foreclosure. That's {$5000.00} more in one week, how can they do this? Please tell me what rights I have as a consumer if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
SinceXX/XX/2019 I have been receiving calls from " unknown caller '' I don't normally answer calls from " unknown callers '' because they dont have a number they are calling from, a lot of times in the past they have been a fraud call or something trying to steal money. I have been receiving XXXX calls a day since XX/XX/19 from the Unknown caller, this morning I decided to answer it. I answered with who is this? a female answered and said " is this XXXX XXXX '' I again said who is calling, she would not tell me until i finally said yes this is XXXX XXXX. She told me she was calling from Commenity Bank, for XXXX and XXXX, a credit card I have. I told her she can not be calling me from a blocked number, or an unknown number, that their calls must come from a number I can see and return the call. Her response to that was that its my " XXXX '' showing the number as unknown, I have never had this happen in the past, if someone is calling my phone doesn't know it always shows the number they are calling from without a problem. Please help with this problem, credit card companies should not be allowed to have their numbers show as unknown, they have never left a message or anything with the XXXX calls they have made to me since XX/XX/19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDICO. INC
State: CO

Complaint narrative:
The company " Credit Collections Bureau '' is continually harassing me for a debt I have already stated I do not owe, which they refuse to specify for what for the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This is paid off and should not be reporting a balance. I would like for this to be removed off of credit as it is already paid and is reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This is paid off and should not be reporting a balance. I would like for this to be removed off of credit as it is already paid and is reporting incorrectly.

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 2019-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NV

Complaint narrative:
So I recently gained access to my credit report on XXXX  ( XX/XX/2019 ) and saw that my federal student loans were cited as being late. 

I gave myfedloan a call and said " this isn't right, I was unemployed after I got out of school, and for the past 6 months I've paid on time every month ''. They told me that they would put my account under forbearance, which you are eligible for if you are unemployed. I said, " that doesn't make sense because I'm working now, and I've been making payment for the past 6 months and wish to continue to do so. '' They told me that it was the only thing that would make my account current, and that since during the period before I started making payments I was unemployed, the forbearance would apply to that period ( the period before XX/XX/2019 ). 

I thought all was well and my status would be reversed on my credit report, but I checked my XXXX and XXXX reports again ( XX/XX/2019 ) and they still suggest that those months of " late or missed payments '' exist on the report. This is very upsetting after having been vindicated by myfedloan. 

The payments I've made over the past 6 months are triple the minimum ( {$150.00} instead of just {$50.00} ). I have never had a problem paying when I can. Myfedloan also just lowered my interest rates by 0.25 % because I signed up for automatic payments ( again, at triple the minimum ). I am not financially irresponsible as these erroneous reports make me out to be!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a $ XXXX check into my account XX/XX/XXXX and Bank of America has put a hold on the funds until XX/XX/XXXX. I have written checks based on the funds being available. I've validated the check issued has cleared the Federal Reserve System and that the funds are good. The check cleared the Fed system on XXXX XXXX. I visited my local bank ( Bank of America ) and they said they couldn't help me because the system automatically controls when the funds are good.

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 2019-07-09 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: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This is paid off and should not be reporting a balance. I would like for this to be removed off of credit as it is already paid and is reporting incorrectly.

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 2019-07-09 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: TN

Complaint narrative:
Equifax and XXXX are reporting incorrectly a collection in the amount of {$4000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) I have healthcare coverage with XXXX but had to go out of network for an emergency room visit for XXXX pains. I didnt have a choice as this was a dire situation. Anytime you have a life threatening emergency they are suppose to cover you as though you are in network. This collection is not mine. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MI

Complaint narrative:
IC Systems has put a negative mark on my credit report for a debt that not only was not owed but is also beyond the statute of limitations for the State of Michigan. My credit score is has been negatively impacted by 34 points, and this is tantamount to extortion. The information from my credit report is found below : I C SYSTEM INC XXXX XXXX XXXX XX/XX/2019{$360.00} {$360.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX threatened to enter a negative mark on my credit report if their equipment was not returned when I cancelled their service, it was, and I've been harrassed by these hellions ever since. How do I make this stop and remove this none sense 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