vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I recently obtained a copy of my consumer report an noticed fraudulent charges. I am requesting that these accounts be removed from my consumer report pursuant to 15 USC 1692a ( 5 ) the term " debt '' means obligation or alleged, this is an alleged debt. I refuse to pay this alleged debt and I am demanding to cease and desist communication pursuant to 15 USC 1692c ( c ). I have attached a copy of my identity report and the fraudulent charges. I am demanding that these charges be removed from my consumer report pursuant to 15 USC 1681b 4 ( c ). Please investigate this matter! Also, pursuant to 15 USC 1681a ( e ) the proper way to investigate a consumer report is to have an interview with my neighbors, friends and associates. I would like proof of that. If you're unable to provide that information. I am demanding you to remove these accounts from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Company at number XXXX claiming to be XXXXXXXX XXXX XXXXXXXX XXXX contacted me regarding a case they cited as XXXX ; they threatened legal action and garnishment, wanted immediate payment and refused to disclose any information about the supposed debt. 

I have no outstanding debt, I believe this is a scam, and the fact they refuse to disclose their business number, the name of an attorney, or the state they are licensed in strengthens that suspicion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NC

Complaint narrative:
I sent a letter to equifax, XXXX, and XXXX  in reference to incorrect information being reported on my report. I have not gotten a response from equifax or XXXX. XXXX responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. They have also failed to provide me with how they verified an alleged charge off when requested or investigate my disputes which is a direct violation of the FCRA. It is the bureaus responsibility to report accurate info at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NC

Complaint narrative:
I sent a letter to XXXX, XXXX, and experian in reference to incorrect information being reported on my report. I have not gotten a response from XXXX or XXXX. Experian responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. They have also failed to provide me with how they verified an alleged charge off when requested or investigate my disputes which is a direct violation of the FCRA. It is the bureaus responsibility to report accurate info at all times.

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 2021-10-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is dispute is for a bank of America credit card, in XXXX. My social security number and personal information was used to start an online business i did not approve of. In order to start this online business, they used that Bank of America card. 

When i saw these balances on my account BOA checking account at the time. I was trying to find out where they were coming from. Once i found out my it was someone else using my information I had to quickly close my account. I tried to find the person to pay back the debit but was never able to get ahold of him again. 

During that time, I had other credit cards opened in my name that I since got deleted. I was able to pay off the XXXX XXXX card because that was the only card I applied for and used personally. If you need more information I am willing to provide 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 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
This complaint is being filed against PHH Mortgage services as being unreputible company. Four payments were sent to this mortgage company to be applied to principal. None of these payments were cashed or applied to mortgage and they continued to charge daily interest fees. At this time foreclosure was initiated and additional costs and interest fees were added. On XXXX XXXX a letter was received stating mortgage payoff amount if paid by XX/XX/XXXX. On XX/XX/XXXX the full payoff amount was wire transferred to the company. On XX/XX/XXXX, we were advised they were requesting additional charges. At that time, we contacted our lawyer who was assisting in this matter and he advised we file a formal complaint with state and Federal agencies as they were uncooperative with his office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a home mortgage with Wells Fargo that I pay timely each month. I also have a HEL that the bank has stepped up the rate nearly doubling my payments. Back in XXXX, I finally received my divorce settlement and have been trying to pay off my HEL and also asked what options the bank had available to me. I wrote the bank, and called the bank multiple times however I have never received a response. I am trying to resolve my HEL with the bank, or find another solution ( refinance ) but after nearly 3 months, no one returns calls. I have requested my home preservation specialist, XXXX XXXX but can not reach him. Thanks you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
1.I live in XXXX County Oklahoma XXXX NEW REZ ACCOUNT NUMBER XXXX 2. in XXXX of XXXX The tax assessor accidentally sent the tax bill to my mortgage company for a parcel which is not part of the mortgage. I always pay that bill in full because that parcel is not mortgaged. 
3. In XXXX when the NEW REZ mortgage company reviewed my escrow payment they included that parcel ( WHICH IS ONLY {$130.00} PER YEAR ) 4 .They raised my monthly mortgage payment by over {$100.00} per month!!

No way can this be accurate even if they spread {$130.00} over 6 months.

Because I had that parcel for sale I did not immediately call them about this.

5.Th e land was listed for sale in XX/XX/XXXX and closed XX/XX/XXXX! 
6.I have tried for two months to get this payment corrected but have not received any personal call about it. Just ROBOTS ROBOTS ROBOTS!

7. They have not changed my mortgage payment!

ACCOUNT NUMBER XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
My small business, XXXX XXXX XXXX XXXX, has a merchant banking agreement with First Data entered into on XX/XX/2011. We no longer need their services, but they bill our checking account every month. I tried to call this company to stop the merchant banking services, but their phone numbers do not work, are no longer in service, are disconnected, or give automated responses and then hang up. I checked the internet for information about this company. All of the XXXX consumer reviews say the company is a scam. My XXXX virus protection says that even their website is a scam. How do I stop the payments to this company? Our bank says it can not stop the payments since they have a merchant banking agreement. I am not able to contact this company ; an internet site says that other scammed consumers are trying to initiate a class action suit for fraud. I just want to stop our payments to this company ; how can I do that?

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 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I moved into the apartments XXXX XXXX, located in XXXX, GA 2020 XX/XX/2020. Upon my walk through which did not take place until after my lease was signed, I noticed many things wrong with my apartment in the days/ weeks to come. In addition to but not including, there not being any running hot water in the master bathroom, many insects and small rodents, a noted coyote problem which was I was not advised of before moving in ( which is against the law ), wooden planks with nails sticking out ( violation of building and health laws ), due to all of the issues listed with some excluding, I eventually moved out. Before moving out, I did advise the rent office many times of the issues, the issue was escalated to the property manager and I was told that I would just need to provide them with a notice to vacate and that would be it. All women in that office are miserable, unprofessional, hateful, petty and honestly cause such shame to not only themselves but women in professional places in general. 

The cheap issues were fixed, the issues that cost money were not, and I served them with an intent to sue XX/XX/2020. After that notice was sent, the defamation of character slander began ( listed in the lawsuit as well ). The rent office, corporate and the property manager stopped answering calls and emails. Maintenance stopped fixing what they said they would fix in the beginning and served me with another statement that was over 4 times the amount of the first statement they sent.

That is nothing short of retaliation. They added on additional fees, out of pure spite and hatefulness. I asked for proof of the mess I left behind that resulted in the addition fees and I was told the company had no proof since it had been more than six months.

I asked why I received two different statements for two different amounts, one before being sued which is the accurate statement and the other which is false, after the lawsuit was served. 

You can not just add additional fees and charges to a statement and not have additional proof to back those allegations up. 
I have asked for a thorough investigation from all credit reporting agencies, the credit collection company and the third party law firm that is actually handling the collection. XXXX XXXX XXXX is listed on my credit report as the debt collector but it is actually being handled by a law firm. 

The first statement that was sent to me is the correct statement, the second one was sent out of retaliation which is again, another law this company has broken ( XXXX  XXXX ). I need a real investigation based off the dates included, the details of the lawsuit and the fact that no proof has been provided in over a year.

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 2021-10-26 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 recently completed my 2020 tax return and gave my Bank of America checking account information to the IRS. 

My checking account was closed before my tax refund could be deposited into that account due to being overdrafted. 

The IRS says that have not received the deposit back from Bank of America.

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 2021-10-26 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: IN

Complaint narrative:
The credit bureaus clearly don't know how to conduct a proper investigation I disputed the accuracy of this bogus account on my credit report and it came back verified. HOW??? Each bureau has different dates???? How is that even possible? At this point just remove it from my report. No investigation needed, I the original creditor did my own investigation and this bogus account is erroneous and shouldn't be own my consumer report. REMOVE immediately or I will have to seek litigation. There's aslo an account that two bureaus removed due to inaccuracy but one bureau is still reporting it. Remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: IN

Complaint narrative:
The credit bureaus clearly don't know how to conduct a proper investigation I disputed the accuracy of this bogus account on my credit report and it came back verified. HOW??? Each bureau has different dates???? How is that even possible? At this point just remove it from my report. No investigation needed, I the original creditor did my own investigation and this bogus account is erroneous and shouldn't be own my consumer report. REMOVE immediately or I will have to seek litigation. There's aslo an account that two bureaus removed due to inaccuracy but one bureau is still reporting it. Remove 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 2021-10-26 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/21, I reached out to transunion by certified mail to inquire the method of verification for a bankruptcy that is listed on my report. on XX/XX/21, transunion responded with a letter that informed me that the bankruptcy was valid and they have already investigated which is not what I requested from them.

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 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2021 my account became overdrafted with PNC Bank because a pre-authorized transaction came through and sent my account {$540.00} negative and the business won't stop the charge... I've recently been injured on the job and I have no steady income, so on XX/XX/2021, I asked PNC bank if they could revoke the pre authorization of this business until I can work out another arrangement because this over drafted account possibly won't be taken care of any time soon and I've had to do this before years ago because a business was continually trying to withdraw money from my account.PNC bank said that I would have to call the company because they can't do anything about it because it's already posted... In the past whenever this type of thing would happen, banks had no problem revoking the pre authorization but because I have had past direct deposits set up on my account, PNC Bank decided that they wouldn't revoke the authorization because they will just wait till deposits come in so that they can take everything that I have. It seems to me that banks are working for businesses instead of for their customers... Since when does a bank act as my mother and father to make sure that I pay my bills and then charge me tons of these fees which is the banks primary objective anyway to enrich themselves off the backs of the people ... I'm sure if I didn't have any direct deposit set up on my account they wouldn't have let this overdraft go through in the first place..These are typical banking tactics and this is why they pay these bank managers the big bucks because they identify which consumers they can squeeze the most out of as often as they can and like a snake they strike... .People in my age group are very often taken to the cleaners like this by banks because it works in favor of the banks to allow anything that they can make money on to stick... .Nevertheless, I will be closing this account as soon as I can get the overdraft taken care of and run like XXXX away from PNC and find another bank because as it turns out, PNC is not the bank for me...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26 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: IL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding unknown and inaccurate items listed on my credit report. I resent my complaint on XX/XX/2021 and to this date more than 90 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 120 days or more than 90 days since my last request and no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: IA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG OLD ADDRESSES THAT NEED TO BE DELETED, A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Then problems that I have with this bank is their inefficiency to fix this horrible website. I have written them I have called them, I have complained at least 20 times about the problems getting into their website. Nothing works, passwords do not work, security questions they ask to be answered are not questions you ask to be answered. Then they give you 2 times to make a mistake and if you do not get it right, they suspend you. They throw you out of the site. This has been going on for more than 2 years. I deal with over 10 other banks and large corp, PNC Bank is the worse company I have ever dealt with and, they know who I am with my many complaints. Will they correct it? No, they will not correct it. I have asked them many times, Is the head of your IT dept a relative of the CEO? Why can you not get this right? It is a problem signing into their sight every month and nobody does anything about it. It is easier to sign into the Treasury dept of the United States than this bank.

Company response to consumer: Closed with explanation