vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XX/XX/2019 I overpaid my Bank of America credit card account by {$27000.00}. On XXXX XXXX I discovered this and contacted B of A asking for a refund to my XXXX Bank account ( where the funds had originated ). I was told it would take 3 - 5 business days. On the 5th day I contacted B of A asking where was the refund. I was told it might really be 7 - 10 business days. Other phone calls have indicated it might be 10 - 14 or 14 - 21 days. I kept being told that the delay was because of the large amount of money involved. I have made at least six phone calls, all with lengthy time spent on " hold. '' On XXXX XXXX I received a letter from B of A dated XXXX XXXX that stated that the funds had been transferred to my checking account. When the funds had not turned up by the 11th, I called and was told it may take several days to " clear through your bank. '' My bank says they process immediately -- no delay. 
On XXXX XXXX the funds have still not been returned. Now I am told by a " supervisor '' at B of A that they refund accounts using XXXX as the intermediary party and XXXX had been given the funds on the XXXX. Obviously the letter was false. 
Now they say 30 business days from the XXXX, meaning this could be the middle of XXXX. These are electronic transfers from bank to bank. I can not believe it could take over two months to move $ XXXX from B of A to XXXX. This is ridiculous and unethical, maybe illegal. 
The credit balance B of A held in my credit card account was far in excess of my balance owed, yet now they want to charge me late 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 monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I applied for a mortgage loan refinance with Quicken Loans. I was preliminarily approved, received a rate lock and paid a {$500.00} fee for the appraisal, based upon Quicken Loans saying that the appraisal fee had to be paid to confirm the rate lock. A day later, feeling like I was pressured unnecessarily to pay the {$500.00} appraisal fee, I applied to another lender who provided a preliminary approval at a significantly lower rate and closing costs. I contacted Quicken Loans and requested to withdraw my application with them and for a refund of the appraisal fee, which was never performed.

Since then I have not received a confirmation from Quicken Loans that my loan application with them has been withdrawn and they have not refunded the {$500.00} appraisal fee I paid even though the appraisal was neither scheduled or performed.

I received a better deal from another mortgage lender but Quicken Loans is not cooperating in my request to withdraw my loan application and to refund the fee I paid for a service that was not performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've tried 12 times to get my credit report from the XXXX website, or directly from Equifax and it has never worked. I was easily able to get my report from the other two companies. I've called Equifax multiple times and no one was able to get my report. For all intents and purposes, Equifax is not complying with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
THIS DEBT WAS A RESULT OF SOMEONE USING MY ID TO OPEN A UTILITY ACCOUNT WITHOUT MY KNOWLEDGE.CREDIT MANAGEMENT LP # XXXX I DO NOT HAVE XXXX XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo seems to be not learning from it's past mistakes. It's very old fashioned, inefficient, non customer friendly mortgage bank with buggy IT systems and very useless employees ( very low hiring standards as they try to hire via XXXX XXXX and have no transparency in terms of hiring local US Workers but just want to hire cheap XXXX XXXX workers ). 

Current issue : 1. I wanted to pay off $ XXXX towards my principal to do the recast. 
2. I changed the mind and switched the dated from XXXX to XXXX and then to XXXX XX/XX/2019. 
3. Later i finalized to make the payment on XXXX XX/XX/2019. 
4. Come to know that i can't as system doesn't allow, why? 
5. Called the customer service. I was told that the previous deleted transactions are not deleted and thus it won't allow me to pay on XXXX XX/XX/2019 so i can only pay on XXXX OR XXXX XX/XX/2019? What???? 
6. Who architected, designed and implemented this useless system. Why it impacts me-my recast money should be in my mortgage account before XXXX of the month otherwise my recast will be delayed by 1 full month. It's a big deal for me. She could do anything in this case. 
7. ask me to try again tomorrow ( Sat on XXXX XX/XX/2019 ). As if i have no other work and when they have limited customer service hours.

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 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I HAVE NEVER HAD THIS ACCOUNT. THIS NOTIFICATION I RECEIVED IS THIS FIRST TIME I'VE EVER HEARD OF THIS DEBT!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This collection agency continues to harass me with calls and notices and has not complied to my request to stop the excessive calling, provide name and address of the original creditor, a copy of the original signed contract, delegation of authority giving them the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I made a check deposit into my account but my job decided to send a wire instead so once the check was returned and I paid {$12.00} to chase for the fee and continued with my account. My wire came into my account and put my balance at {$930.00} but when I tried to use the Atm I kept getting rejected not knowing why so I called the bank. They gave me the run around saying my account was on hold due to a atm transactions I had to clear. Once cleared I tried the Atm again and got the same response so I called the bank again and another representative told me this bank made a decision to close my account while my funds are in there. My children were starving last night due to this issue and I'm ashamed as a parent that this happened and I also spoke with supervisors and they also let my children starve please make them give me my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: LA

Complaint narrative:
XX/XX/XXXXwas the first date I sent out a certified dispute letter requesting proof that I owe {$1600.00} the loan. They responded with a digital printout without my signature on it. XX/XX/XXXX The company responded back with a printout of a bill without my signature on it.

XX/XX/XXXX I sent another letter asking for proof that I owe this amount as well as proof I owe them.I received no response.

XX/XX/XXXX This company was shutdown by the SEC for fraud and all assets were frozen. The owner went to XXXX and a few of his workers as well. This company is not bonded in the state as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I HAVE NEVER HAD THIS ACCOUNT. THIS NOTIFICATION I RECEIVED IS THIS FIRST TIME I'VE EVER HEARD OF THIS DEBT!!!

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 2019-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
THIS ACCOUNT IS A RESULT OF SOMEONE USING MY NAME AND ID TO OPEN AN ACCOUNT. I NEVER HAD AN ACCOUNT WITH LVNV FUNDING LLC # XXXX OR XXXX XXXX XXXX . I HAVE FILED A AFFIDAVIT REPORT WITH FTC AND XXXX POLICE DEPT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates have not properly verified my account after several attempts to dispute their right to legally collect this debt. Portfolio Recovery Associate have ignored numerous attempts to properly and legally validate the account. Portfolio Recovery Associates has reported delinquent information to the credit bureaus, I am demanding that this information be deleted. Portfolio Recovery Associates only provided a letter from XXXXXXXX XXXX stating the account was sold to Portfolio Recovery Associates and to contact Portfolio Recovery Associates if I have any concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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 — Problem with personal statement of dispute
Company: U.S. BANCORP
State: CO

Complaint narrative:
I went into us bank to get personal loan I was approved instantly I was also approved for 0 intrest card with a XXXX dollar limit I was unsure about getting new card with high limit due to fraud he suggested I get a smaller amount of maybe XXXX dollars I said fine not realizing my XXXX credit score was about to become XXXX within a few months I called to get higher limit on card and was denied due to having more than 30 % of limit on card if I would have known I would of just takin the XXXX. A few weeks ago I descoverd fraud on card my bank removed charged a cupple dAys later I noticed money gone from account and it over drafted XXXX been w them almost 9 years totally shocked

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 2019-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Upon receiving debt collection notice on XX/XX/2018 from Credence Resource Management LLC I determined the debt in collection was not mine. I followed up by sending a letter to the company on XXXX Demanding Credence provide proof that i owe the debt. It is now XXXX and Credence has not provided proof. I spoke with Credence today and was offered lower amount that what the bill states. I explained i never authorized cell phone service with XXXX. XXXX fraudulently used my social security number and mother in law 's name to open an account without my permission. Then proceeded to close the account and have it sent to collections. Credence is unwilling to provide proof that i would owe this debt. I've demanded they remove it from my credit report. Credence has not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I send funds to a individual that was selling a product online. I use my bank account to send funds through XXXX to the individual and the person never send me my product and not responding to any emails. The date I send the funds was on XX/XX/2019 of {$600.00}. I called my bank and expressed to them on the same day I was being scammed. The bank said it couldn't return the funds to me because it were already sent to the other person bank.

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 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
This Debt Buyer, acting as a Debt Collector, continues to ignore the CFPB 's Consent Order 2015-CFPB-002 ; 1. PRA has not shown, nor do they have access to, account level documentation and continue collections knowing their data may be inaccurate/unreliable. 
2. A letter provided by PRA, and likely provided to furnish certified information to the credit reporting agencies, which means to imply and display 's similar original creditors information ( XXXX XXXX XXXX XXXX  ) and letterhead and other official proprietary markings falsely indicating that the original creditor is a participant in such collections-when in fact they are not. 
3. I spent 3 years fighting such manufactured evidence in a local court on 2010 and here they are doing it again. I did sue and collect for FDCPA violations from their collector in the end. Can not say wh, in which case the affidavit then was robo signed-corroborating my concerns about their fake XXXX letter. 
4. PRA " parked '' a collection account with all 3 CRA 's indicating I have an open account with them when in fact they know i do not have such. This clearly is an attempt to pressure me, a consumer, into giving them monies to improve my credit score. I am in fact harmed and deterred from applying successfully for credit because of their misleading/incomplete/disputed-particularly the amount, entry that ties my hands as a consumer. 
5. PRA has not and will never have access to certified or other authentic copy of credit card bills amounting to their totals nor any such statements or contractorial signatures or terms of agreement. 
6. PRA continues to defy the order above that, in connection with the collection of debt, Respondent, Respondent 's officers, agents, servants, employees, and attorneys, and all other persons in active concert or participation v.rith any of them, who receive actual notice of this Consent Order, whether acting directly or indirectly, are permanently restrained and prohibited from making any material misrepresentation or omission or assisting others in making any material misrepresentation or omission, expressly or by implication, including but not limited to misrepresentations : ie. using a fake XXXX Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX  confirmed to EXPERIAN by reporting the same violation in a charge-off account and sold to another company a monthly payment ... 
Why do I have to notify you that its a violation to report a monthly payment in a close and sold charge off account.. 
I previously disputed the information with EXPERIAN but as you can see XXXX XXXX XXXX  confirmed the Violation as proof I will attach the picture with the report send to me.. 
XXXX XXXX XXXX reporting monthly payment in charge off account is a violation of FDCPA ... 
Also high balance os higher than credit limit ...

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 2019-03-16 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: NV

Complaint narrative:
XXXX, Equifax, and XXXX are not taking my claims seriously. They are not providing any evidence of how they made their decision. If you ask them to show you how they verified the negative information on my file they will not have an acceptable answer. All I ask is that they conduct a fair investigation but they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION REFUSES TO DELETE UNVERIFIED CREDIT INQUIRIES Hard Inquiries hard inquiries which have made a dent in my score. Here are the inquiries on my TransUnion report. 
XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( 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 2019-03-16 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: NV

Complaint narrative:
XXXX, XXXX, and Transunion are not taking my claims seriously. They are not providing any evidence of how they made their decision. If you ask them to show you how they verified the negative information on my file they will not have an acceptable answer. All I ask is that they conduct a fair investigation but they are not.

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 2019-03-16 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: NV

Complaint narrative:
Experian, XXXX, and XXXX are not taking my claims seriously. They are not providing any evidence of how they made their decision. If you ask them to show you how they verified the negative information on my file they will not have an acceptable answer. All I ask is that they conduct a fair investigation but they are not.

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 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
I was contacted by XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Massachusetts XXXX ( XXXX ) XXXX ext XXXX on XX/XX/XXXX XXXX at XXXX which is my employer telephone number. 

I advised Ms XXXX that she conacted me at my employment number and she should stop contacting me at this number for the XXXX XXXX XXXX. My employer telephone is accessible to other co workers and the phone recorded. 

Ms XXXX contacted again on XX/XX/XXXX at XXXX and left a voice message in regards to debt. 

Ms XXXX contacted the third time on XX/XX/XXXX at XXXX in regards to this same debt at my employment number as tried to collect on this XXXX XXXX XXXX. Advised her again to stop contacting me at my employment telephone in regards to this debt and I will have an attorney contact her. 

My phone is monitored by my employer and all incoming calls are screened for customer effectiveness. I am afraid this call will be listened as a result. 

regards, XXXX XXXX

Company response to consumer: Closed with explanation