vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent in dispute letters to the credit reporting agencies ( XXXX, XXXX, and transunion ) and a validation letter to the collection company ( XXXX XXXX ) regarding two accounts ending in XXXX and XXXX and I keep receiving responses back from the credit reporting agencies and the collector stating the accounts are verified, but they keep failing to accurately verify the accounts in their entirety. I first started disputing the accounts with the credit reporting agencies in XX/XX/XXXX and they continue to report the negative marks on my reports. They send me responses of verified without any proper verification. I sent in a letter of validation to the collection company and they just sent an itemized list of alleged charges. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. After continuous rounds of letters stating the section 609 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 1 ) ( a ), section 611 ( a ) ( 7 ), section 611 ( 5 ) ( A ), and sections 616 & 617 these companies have continued to fail to comply with federal laws. The laws are very clear and my rights have been violated many times over now. Im sending in this complaint to you the CFPB because they have not followed proper guidelines and have violated the fair credit reporting act, the fair debt collection practices act, and have defamed my character.

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 2018-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AR

Complaint narrative:
Hi, I received a brochure from PNC Bank saying if I refinance my current PNC Mortgage to a Harps mortgage loan and also open a checking account, I would receive {$400.00} incentive in my checking account. 

The condition ( s ) of the incentive is : ( 1 ) initiate a direct deposit within 60 days. 
( 2 ) Make 3 bill payments within 60 days. 

I talked with XXXX the loan officer at that time and confirmed it. He opened the Mortgage loan and a checking account. I fulfilled all the requirements from my end and still didn't receive the {$400.00}. 
I contacted XXXX who escalated it to XXXX who then escalated to the customer relations officer with no result. All they said is that I did do a direct deposit and 3 bill payments but made one of the bill payments which is initiated through my other bank and came out of my PNC Bank?? How does a non employee know if it is different when it is initiated from PNC or other Bank? All I know is, the payment came out of PNC bank. 
I also called XXXX and another employee of the bank before the 60 day period ended, to confirm that I met all the requirements, who did confirm that I met them and to wait for my {$400.00}. If the employees ' themselves don't know the technicalities of the account, how can you expect it from others? 
Also, I called before the 60 days, so had I been told that one of the bill pay will not be counted towards the incentive, I would have initiated another one since I have plenty of time then.

Bottom line, I am not happy with PNC. My other banks ' will go out of the way to help for being their customer but never have I seen a bank like this who said that it is up to me, if I decide to close my accounts with them.

I have been an excellent customer for them for over 14 years with 2 Mortgage loans, credit cards, checking accounts and money market accounts! Is this how they treat their loyal customers?

I feel like I am being scammed of my {$400.00} and now I am ready to close my Mortgage and my credit card and also my family members ' other 2 accounts. 

I know, that I should have brought this complaint long ago, but better late than never! 
I want others to know not to fall for this kind of incentives from PNC, they will beat you up with technicalities which you will never know. 
. 
I was busy then and didn't get around to write this sooner, but I still have my mortgage and credit card accounts with PNC, so I am bringing it now. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: NY

Complaint narrative:
It seems to me Capital One is practicing fraud regarding my Capital One credit cards. I have contacted Capital One for the past several months to resolve these items and each time I am on the phone for hours with the problem not being resolved. 

Capital One is charging me for 2 XXXX charges on one of my accounts, items that I did not purchase. I have contacted Capital One on multiple occasions regarding these charges. The names of the purchased items are not listed and neither is the name of the merchant. However, Capital One is stating they do not have a name for the merchant and that the merchant has provided proof that I made these two purchases in XX/XX/XXXX and XX/XX/XXXX. I have not made these purchases, was not provided with the name of the vendor, was not provided with the name of the items purchased, and have never used XXXX XXXX. Yet Capital One refuses to remove these charges from my account. 

Also, Capital One is charging me on another of my accounts for an XXXX returned at my own expense. Capital One has refused to reimburse me for an XXXX that was returned in XX/XX/XXXX a few days after being purchased, and replaced with another XXXX purchased in XX/XX/XXXX using my CapitalOne credit card. 

I have contacted Capital One on multiple occasions to resolve these issues with my account and Capital One has refused to reimburse my account for these items that were not purchased on one account and returned on the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Unified Global Group
State: KY

Complaint narrative:
They called saying the loan I had applied for was accepted. Due to my good behavior of paying debts/bills on time, no criminal history, and I was awarded this money as a grant and I would not have to pay this back. 
The number associated with this was ( XXXX ) XXXX and ( XXXX ) XXXX XXXX XXXX was the name given. You could hear a lot of people in the background so it did sound like a call center.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: TX

Complaint narrative:
Company calls my cell phone and BUSINESS phone. Company leaves a voicemail on my cell but not my business phone. Asking to call back at XXXX regarding an urgent business matter or else. It does not list a company name and when I call the number back, the phone number is for a voicemail for Alliant Capital Management, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I refinanced my loan back on XXXX ending with a conventional ARM loan, currently with an interest rate of 7.75 %. I was able to maintain my payment on time until I was forced to retire back on XX/XX/XXXX due to serious medical condition. I am now depending on my social security benefits and a small pension from XXXX. Due to the income reduction I was also forced to file for bankruptcy in the beginning of XXXX, finally discharged on XX/XX/XXXX. I contacted a Housing Counseling Agency since XX/XX/XXXX after getting a steep increase in my payment. My housing counselor has submitted the workout package along with my financial documentation for a couple of times and I have been following up closely since then. I am know 60 days behind and the lender keeps arguing the bankruptcy case must be " dominated '' to process my application. I have gone back and forth to the bankruptcy court and their staff had clearly stated the bankruptcy is done, shouldn't be an impediment any more. My counselor recommended to report my case to you agency, hoping to get an answer from my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank has closed my account and did not tell me they were closing it until i saw on my chase app that it was suspended when trying to log in. This is unfair and I am a customer that uses this bank to make all of my payments. There was fraud on my account that happened and some of the money was given back and some were not because my card was taken from me and I did not know that it was. I talked to the bank multiple times and they said there was nothing they could do on their end because I stated that my card wasnt in my possession but I do not use my card everyday to know when it is. This is completely ridiculous and unfair. Ive banked with chase for years now and this has never happened to me. I need to bank with them because my family uses this bank as well so its the most convenient for me. Completely ridiculous. I can not believe this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-24 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There was a credit account opened in my name without my permission or consent. It appears this is the second time this has happened. I live in XXXX XXXX and someone at my previous address has my information and is using it to open credit accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/18 received letters in mail stating that bank account will be frozen and any property worth anything will be taken. This collection agency and court are demanding {$810.00} to be paid to court officer. At no place in letters state what exactly the original fee they claim I owe is for. XXXX is responsible for this along with XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
This is a complaint against XXXX XXXX, XXXX ( previous known as XXXX, XXXX, XXXX XXXX, XXXX ) that practices business at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX, XXXX is representing XXXX XXXX ( Resurgent Capital Services, LP ) doing business at the following address : XXXX XXXX XXXXXXXX, XXXX, SC XXXX This law firm is being reported for a violation of section 808.8 of the Fair Debt Collection Practices act. 

XXXX, XXXX XXXX has been filing legal documents in the XXXX County Circuit Court using the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, OR XXXX This address is for a XXXXXXXX XXXX located in XXXX and doesn't reflect any physical address the is used by the law firm to practice or conduct from. 

Since the debt collector has misrepresented themselves on legal documents at an address that doesn't reflect a location where XXXX XXXX, XXXX practices law and doesn't reflect the address used when filing business forms with the State of Oregon, Secretary of State, this scenario could make it difficult for XXXX XXXX, XXXX to follow garnishment proceedings with publicly traded companies such as XXXX since garnish paperwork served doesn't not reflect the correct address where the law firm is currently residing in the state of Oregon or their own home office as section 808.8 implies. 

As a result, these collection practices appear deceptive to the consumer as well as a lack of accountability on how the law firm has chosen to practice law in the state of Oregon that could lead to being reported to the US Postal Service for mail fraud and the possibility of wire fraud charges, at the federal level, since there is no indication the the garnishment is correctly being applied to XXXX XXXX ( Resurgent Capital Services, LP ) simply going by the work of XXXX XXXX, XXXX at this time. 

While XXXX XXXX ( Resurgent Capital Services, LP ) has indicated in phone conversation that they have been for the debt, that is only based on a telephone call and not in writing. 

Lawyers for XXXX XXXX, XXXX have been reported to the Oregon Bar Association for misrepresentation since neither attorney ( Mr. XXXX XXXX XXXX and/or XXXX XXXX XXXX ) has been actively practising law in the state of Oregon through an office within the state of Oregon ( based on their own Linked In social media profiles ).

Mr. XXXX has represented himself in a hearings based on a XXXX conversation ( via voice ). In addition, the physical office reported on documents with the state of Oregon, reflect an inactive office space.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was on the phone with Navient today to get my payment plan resolved and spoke with two girls, one was XXXX and the other I dont recall her name. The only options they were giving me because Im out of work was interest only which I was ok with making one payment to become current but couldnt promise any near future payments because I am out of work. I want to be responsible and come up with a good resolution for my circumstances. When they teamseferred me to XXXX XXXX or XXXX not sure. She was so rude, unhelpful and mean. She pretty much accused me of still having work and that she cant grant me hardship because she believes I am still working. I was so offended by this treatment because she had no right telling me Im working when Im not. Im not currently working and would like some aid/help in my position. Im still in awe with her treatment of me and disrespect. I wouldnt wish that on my worst enemy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It has been over 60 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for Experian to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681.

This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. XXXXx is required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for Experian to remove the still remaining fraudulent accounts that are on my report. They have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified.

Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' Experian has had over 60 days to complete these actions.

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 2018-08-24 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: MO

Complaint narrative:
On XX/XX/XXXX, I got an alert stating that Equifax has a potentially negative unpaid balance from XXXX XXXX XXXX for {$630.00}. Ive never heard of or received any type of communication from XXXX XXXX XXXX. Incidentally, Equifax wont even send me a FREE annual credit report, NEVER signed me up for ( ID THEFT protection ) due to their recent XX/XX/XXXX database breach of id theft, which exposed millions of Americans. 
I dont know whats going on at Equifax. Every time I try to get a credit report, Equifax doesnt know WHO I am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Starting XX/XX/2018 I made online payments through XXXXXXXX XXXX to my TD Bank Credit Card. I used the same payee as I have been using for the past 2 years without incident, no changes from my side. I made 3 transfers, {$2000.00} on XX/XX/XXXX, another {$750.00} on XX/XX/XXXX, and {$100.00} on XX/XX/XXXX. As of XX/XX/XXXX I started receiving calls from vendors I had made TD bank credit card payments to saying my CC was rejected. I went onto my TD bank online account and found the money was never posted. 

Beginning XX/XX/XXXX, 3 days, ago I started making strong and even frantic calls to both XXXX and TD Bank. TD Bank customer service rep I first spoke with told me that " I've been getting calls like this from XXXX customers all day ''. Later I spoke with a supervisor who told me that it was a known issue but that I had to call XXXX. 

XXXX employees contacted their 'back office support team ' and were told on two different occasions that my money was not only sent on the XXXX but SHOWN AS RECEIVED BY TD BANK. Yesterday XX/XX/XXXX they told me that they could not give me my money back ( as TD supervisor had told me earlier that day - go to XXXX and get your money back and then send it again to us! ). XXXX told me that they did not HAVE the money. They then gave me the tracing numbers on the 3 transfers which as you see below I gave them to level 2 support but have heard nothing back.

For two further days I have spoken with XXXX and TD. Though XXXX has been pro-active, following through and phoning me back, to this moment TD has not contacted me once, instead I have to waste close to 30 minutes each call just getting through to the right team and getting a supervisor online. None of which have a clue and just say things like " this is being looked into '' and " this is being worked on. Starting 2 days ago I asked level 2 support credit card support supervisor at TD Bank ( I have names and ID number of at least her - she's very nice and caring but completely ineffectual ). for the following : a. WHO STOLE MY MONEY, I need to know where it is and stop getting the run around. Her answer is only " we are working on that but we were told to tell you to contact XXXX. 
b. I need a letter from TD bank absolving ME of this to send to my vendors/creditors since I am looking bad though I have done my duty to send {$2800.00} which has either been stolen, diverted or lost in the eithers! They said they would request this from Corporate and 2 days later I have not received anything.

c. An explanation of what has occurred, no matter when I am given the money back ( which I of course will happen any day now ).

Just now after another 2 hours bouncing between departments, I was able to find the phone number of the Corporate Complaint Center, I called and there is a machine I left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had a fraudulent charge on my account and Wells Fargo denied my claim. Someone in Massachusetts had called ( somehow using my own phone number ) and requested my funds from the savings account to be transferred to the checking account where they could withdraw all my money.. 1800 $  approximately. The individual requested a change of address and a card to be sent to them rush service. I am in XXXX Texas, they are in Massachusetts and I worked both days so its impossible to have done that myself.

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 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUDIT SYSTEMS,INC
State: TX

Complaint narrative:
Audit System Incorporated ( address : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, # XXXX, NC Insurance Permit ID # XXXX ) has contacted me via phone and now via mail in an attempt to collect upon a debt for the company XXXX XXXX XXXX. I was originally paying XXXX XXXX for taxes owned for the XXXX XXXX XXXX. I paid off my debt with XXXX XXXX and called on XX/XX/2018 to confirm this ( I spoke with a person named XXXX on a recorded line and I recorded the phone call ). He in fact stated that my bill was paid in full and he then stated that XXXX XXXX would never sell debts to another company to collect since they themselves are a collection company. Audit Systems Incorporated has been harassing me for the past month via phone and now via mail stating that I still owe money to XXXX XXXX. 
On the bill I was sent, they even list a different client named " XXXX '' with a client # XXXX but state that XXXX XXXX XXXX is the original creditor of the debt. In the bill it states that if I don't pay them, my credit will be negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
please remove my hard inquires as your customer Service was very rude and not professional and would not help me to remove the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation