vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I hope all is well I just would like to start off by saying thank you very much for allowing me to bank with you all these years. I was recently in the hospital and I had to get procedure done because I was in severe pain and I could not get to the bank to add funds to my checking account and resulted in me getting excessive over draft fees. I apologize I couldnt drive or even function until I had the procedure. This year has been rough on me as well as a lot of other people. I do apologize this was unexpected and out of my control. Can you please give me all the over draft fees back because they are excessive and are causing a hardship for me and my family. Please understand it was out of my control didnt even know this was going to happen unexpectedly just like this virus. Thank you for your time. Have a wonderful day and please be safe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09 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: VA

Complaint narrative:
I have Dispute with Equifax 5 time the latest was on XX/XX/2021 for Chapter XXXX  bankruptcy it came back valid three days later I sent Equifax validation letter they sent me a paperwork back saying it was validated by XXXX I had disputed it with XXXX in XXXX they had already ready sent me a letter saying the chapter XXXX was invalid removed it from my report on XX/XX/XXXX Equifax keeps saying its comeing back validated though XXXX and its not I have a copy of my XXXX report and and a letter from them stating it not a valid Chapter XXXX  and a letter from the court stating that it not either and that I should possibly sue because they are reporting wrong information and refuse to remove the wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
On XX/XX/XXXX, a collections amount of {$3700.00} was added to my credit report from a company called Genesis Credit Management, under the creditor " XXXX XXXX ''. Indebted account was listed as opened in XX/XX/XXXX I do not recognize the owed amount, the debt collector, the creditor, nor the time that the debt was initiated. I believe this was a fraudulent collection added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: OAKTREE FUNDING CORPORATION
State: CA

Complaint narrative:
I was working with Oaktree Funding Corporation regarding the purchase of my property. My file was not reviewed properly and I ended up losing my deposit on the purchase of my property. Oaktree Funding made up requirements after providing a specific timeline indicating the loan would close on time. 

This company should not be allowed to practice as they will continue to cause harm to other buyers.

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 2021-10-09 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Wayfair credit card ( Comenity bank ) incorrectly report my account delinquent when its not.I have contacted them, promised to update my credit report as current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09 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: GA

Complaint narrative:
XX/XX/2021 : Mailed a certified letter using the United States Postal Service requesting debt validation from XXXX. XXXX for account number XXXX ( documents pg. 1 ) ////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Debt Validation Letter received ( documents pg. 1 ) //////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Received Feedback from XXXX XXXX and XXXX. XXXX XXXX provided no proof of debt and XXXX XXXX indicates that : " We are terminating further collection efforts ... '' ( documents pg. 2 ) //////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Put in a dispute with Experian to have the debt removed from collections report number XXXX ( documents pg. 3 ) ////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Experian responds that even though there is clear paperwork indicating that XXXX XXXX was terminating further collection that they were going to continue further collection?? ( documents pg. 4 ) ////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Resolution : The resolution is clear as it is in the paperwork provided to me, that I provided to Experian, and now providing to Consumer Finance. This debt is not mine, it never was which is why it was removed from both XXXX AND XXXX!! XXXX XXXX hasn't provided any proof that this is my debt and XXXX XXXX typed that it will no longer try to collect on this debt. Honor what was written or I will absolutely seek legal counsel and sue XXXX XXXX, XXXX XXXX, AND Experian!

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 2021-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hi, In XX/XX/2021, I opened a checking account with PNC bank in XXXX XXXX, FL. The address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I closed the account a few days later. 

Today, I received a bank statement from the PNC savings account. I never opened the PNC savings account. The person who opened the account without my knowledge was the banker in XXXX XXXX, FL. He is also the branch manager.

I recall refusing to open a savings account, but the manager opened one anyway. He did not respect my decision. He does not think highly of women but bullies women into opening accounts that they do not need. The manager is a classic example of a bully and harasser. He is a bad example of customer service and a salesperson with a harassing and pushy attitude. He should not have opened a savings account against my will. 

I want the bank to close the savings account which PNC opened illegally. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: CA

Complaint narrative:
I called Experian dispute department and was met with hostility regarding followup to a prior dispute against XXXX and XXXX credit cards who were handle by the same processor but sent to collections. I paid the balances to the collections agencies. The CSR for dispute got aggravated with me and stated that I paid the collections agency and not the credit card company which shows as closed as charge offs. I explained that my credit wasn't with the agencies but he said the credit cards will remain as derogatory and not show as paid. That is inaccurate and prevents me from qualifying for a mortgage. There are several paid items showing as derogatory that were paid and should have been removed as agreed.

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 2021-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is about the complaint ID XXXX Case is not close .I do reject the settlement offer by XXXX. 
Attached his letter dated XX/XX/2021 and my response dated XX/XX/2021XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Ars has changed dates to reflect a newer account that affects my credit score. I wasn't in any hospital in XX/XX/2020 but they have dates that I have

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 2021-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello, I'm a mortgage professional with 15 years of lending experience. I currently have a first mortgage with XXXX  XXXX XXXX and second mortgage with Wells Fargo. I'm in the process of refinancing the first lien with XXXX XXXX, however, I'm having a difficult time getting Wells Fargo to subordinate the second mortgage. XXXX XXXX received a response from Wells Fargo that stated that I'm in a special forbearance and as a result, Wells couldn't approve the subordination. Subsequently, after being informed, I reached out to Wells on XX/XX/XXXX at around XXXX to ascertain the reason and get clarification since I was not in a special forbearance as confirmed by Wells Fargo reps per my conversation with then on the XXXX. I was on the phone from XXXX until XXXX. I spoke to several representatives and at about XXXX, one of the supervisors hung up on me after waiting two and half hours and being told that I needed to pay the XXXX payment before a request can be processed to address my issue. I called back for an explanation and was placed on hold by a supervisor who indicated that a response had been sent on XX/XX/XXXX which was not accurate. Unfortunately, no one could explained to me as to why Wells Fargo who has the second mortgage and in a second lien position would not subordinated so I can refinance the first mortgage. My first mortgage with XXXX  XXXX XXXX is at 6 % and the second mortgage with Wells Fargo at 8 %. The goal is to refinance both. It would be inappropriate to not note that a lady by the name of XXXX XXXX was extremely helpful and understood the request but was unable to see the response sent from the department that addressed the inquiry. She was the only bright spot out of all of the people whom I conversed with on the phone at Wells Fargo. She informed me that she was going to look into it and get a response by Tuesday of next week on XX/XX/XXXX. As a mortgage professional, I asked the reps to disclose everything when I applied for the forbearance afforded per the CARE 's Act because my intent was to refinance and I didn't want anything to hinder or serve as a bulwark to getting the loans refinanced. I need CFPB to inquire as to why this occurred and whether Wells can arbitrarily decide not to subordinate a second lien after I had completed and met the requirement to be remove from the special forbearance.

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 2021-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
This company is a complete joke. The statue of limitations to sue on this debt has been expired but they were granted a judgement even after submitting all my answers with the court. The statue of limitations in AZ is 4 years on auto debt. The date of last activity was XX/XX/XXXX. It is XXXX of XXXX. Even after letting them know i am not working and can not fulfill their XXXX XXXX  monthly payments they are not willing to work with no one. I am almost positive they lied and stated they did not receive my disclosures statements in the mail because this is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
JPMCB AUTO-XXXX-Balance {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have a loan with CITIZENSONE. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I HAVE BEEN THE 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 2021-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Company is fraudulently reporting a debt that dose not belong to me. This company is in numerous of violations of my consumer rights. I've attached my affidavit below in this complaint listing all violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Upon information and belief based upon media reports the Bank of America is illegally and without my knowledge or permission reporting certain of my financial information to government! 

And so if I transfer, say, {$1000.00} from my Social Security check deposited with the Bank of America to another bank, the Bank of America reports this even though there is no additional income involved but just a transfer of my Social Security money! 

If this be so, it is intolerable and illegal and totally and completely un-American! 

I respectful want and demand a written statement that this be not so or that it is so if it is so!

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 2021-10-09 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: I.C. System, Inc.
State: GA

Complaint narrative:
XX/XX/2021 : Mailed a certified letter using the United States Postal Service requesting debt validation from I.C. Systems for account number XXXX ( documents pg. 1 ) ////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Debt Validation Letter received ( documents pg. 1 ) //////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Received Feedback from IC Systems and XXXX. XXXX XXXX provided no proof of debt and IC Systems indicates that : " We are terminating further collection efforts ... '' ( documents pg. 2 ) //////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Put in a dispute with XXXX to have the debt removed from collections report number XXXX ( documents pg. 3 ) ////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : XXXX responds that even though there is clear paperwork indicating that IC Systems was terminating further collection that they were going to continue further collection?? ( documents pg. 4 ) ////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Resolution : The resolution is clear as it is in the paperwork provided to me, that I provided to XXXX, and now providing to Consumer Finance. This debt is not mine, it never was which is why it was removed from both XXXX AND XXXX!! XXXX XXXX hasn't provided any proof that this is my debt and IC Systems typed that it will no longer try to collect on this debt. Honor what was written or I will absolutely seek legal counsel and sue XXXX XXXX, IC Systems, AND 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