vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Was with OCWEN NOW PHH. 
My town added a one time betterment charge of {$1400.00} to XX/XX/2019 tax bill. 
PHH raised my escrow from {$480.00} to {$880.00} per month. I paid until {$1400.00} was repaid and went back to original amount. 
PHH PUTS ME ON HOLD AND THEN HANGS UP OVER AND OVER. 
Act # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am trying to Refinance through XXXX XXXX, my current loan company XXXX, Loan Care at Phone Customer Service:XXXX Will not answer and hangs up on you after 1 min 20 seconds, you call back and like they say later in the week and they do not answer. We have been trying to get a payoff amount so we can close on the new loan for 3 weeks and they will not respond with the information. They need to have their license revoked and they need to be shut down. This kind of negligence in a financial institution is un-nerving. If they dont provide loan payoff information in a timely manner can a person take legal action?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX opened a collection with California Business Bureau on XX/XX/XXXX and they posted a collection on my credit report for {$470.00} on behalf of their client, XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I called the collection company to inquire about paying off the {$470.00} listed on my credit report and I was told by the representative, that the amount owed is {$700.00} ; that they don't include fees and interest. 

I have never received any written documentation from the original creditor that I owed the {$470.00} posted on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I refinanced my home through XXXX. Before the first payment 's due date they sold the loan and sent me a letter that Specialized Loan Servicing is now servicing my loan. It was not clear who the new lender is until I received a letter from XXXX XXXX. I contacted Specialized Loan Servicing and made the first payment on XXXX for XXXX payment so I can set up the account for bi-weekly payments. The account got set up for bi-weekly payments and the first bi-weekly payment was applied on XXXX, meaning they took the money from my checking account. But Specialized Loan Servicing is holding my bi-weekly payments in a " separate account '' until they collect the second payment. I contacted Specialized Loan Servicing few times about this and the last time was XXXX to ask why. They said this is their practice! XXXX XXXX 's letter ( attached ) also indicates that they do NOT accept partial payments. This was however NEVER disclosed to me by XXXX who refinanced my home. XXXX XXXX XXXX   practice is preventing me from accelerated pay off. My previous lender didn't have this questionable practice. Here 's my first question : Is this practice lawful? This could result in a class action lawsuit. My second question is, why XXXX never disclosed to me that my bi-weekly payments will be held in a separate account until the 2nd payment gets collected which defeats the purpose of bi-weekly payments? I was very clear to XXXX that bi-weekly payment is a requirement for me. They said it's supported. But this form of bi-weekly payment is a joke! The lender is basically preventing the me to make accelerated payments while it's collecting interest every day. Wow!

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 2020-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had a WalMart credit card. I had it set up on automatic payments and never missed any. I was working as a XXXX XXXX for a couple of years. The card was sold to XXXX and they took me off auto payments. I called them repeatedly to try to arrange for auto pay again but they kept telling me to call back. They kept telling me to check my mail but I was working on the road. They billed me excessively for " missed '' payments in spite of my repeated efforts to pay my bill and reinstitute auto pay. This has damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I told the bank usaa that I was under some kind of credit card fraud and that someone stole my secure card and whole wallet which had all my important information in it and kept charging it and getting new cards to the point I owed {$2100.00}. I tried to exactly to them that it was fraud and I want it removed they did nothing. So I refused to pay and now they charged the account off some time around XX/XX/XXXX and sent it to XXXX collection agency and they have been harrasing me calling for funds that I don't believe I have to pay and my credit score took a massive dive because of this. I would like too have this removed. I'm working to work something out at this point ... .just to have it off my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2020, I attempted to make a cash deposit of {$300.00} at an ATM at Bank of America ( BoA ) XXXX XXXX XXXX XXXX, XXXX, MD. 

The ATM miss fed the deposit causing the bills to be jammed in the machine and irretrievable. I called the 800 number on the ATM regarding technical issues, explained my problem and asked if a representative from bank can come assist. 

I was told by the Call Center representative for BoA not to worry, a credit would post to my account and claim process would be initiated. 

I informed the rep, some of the are " hanging out of the machine '' and someone will come along with a tool and pry them out. I took a photo ( See attached ). A credit of {$300.00} was placed in my checking account within an hour. 

I received two letters from BoA. The first dated XX/XX/2020, stating a temporary credit was place on my account. The second dated XX/XX/2020 stating " we didn't locate any cash for this transaction ... the temporary credit will be debits from my account.. '' As a result I am going to lose the {$300.00} their ATM destroyed because they failed to send a representative from inside the building out to address this issue on the spot. 

I contacted the number provided on latest letter and asked for copies of documents used in there research on this claim including the call log of my conversation with their representative. 

I was told by CSR, that I need a court order to received those documents which seems counter to both their " We are here to help '' segment of the second letter and in violation of 12 CFR Part 1005 ( Reg. E ) Subsection 1005.11 Procedures for resolving errors.

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 2020-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My student loans have been dismissed due to long term XXXX. XXXX still has my account showing as a bad debt. As well as has the same account multipal times on each credit report. It also shows they no longer have the account but has not removed the information. They are double dipping at the very least.

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 2020-07-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My student loans have been dismissed due to XXXX XXXX  XXXX   XXXX still has my account showing as a bad debt. As well as has the same account multipal times on each credit report. It also shows they no longer have the account but has not removed the information. They are double dipping at the very least.

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 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: VA

Complaint narrative:
With PNC Bank, I opened Virtual Wallet with Performance Select accounts on XX/XX/XXXX based on an offer I received in the mail and online after entering my zip code that if I opened online through the link and setup direct deposits of {$5000.00} within 60 days I'd get {$500.00} within 60-90 days ( see attachment 1 ). I met all the qualifications on XX/XX/XXXX ( see attachment 2 ) so should have received the {$500.00} bonus by XX/XX/XXXX at the latest but didn't. I followed up with PNC but they said I didn't meet the offer terms because I wasn't targeted, which is false because I received the offer in the mail, and also qualified online after entering my zip code and applying through the proper link. PNC also had a {$300.00} nationwide offer ( see attachment 3 ) that didn't require any targeting ( even though I was targeted for the higher {$500.00} offer through a mailer and through website qualification with my zip code ) that PNC also hasn't even given me. Clearly false advertising, consumer fraud, and unethical behavior from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-07-15 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-07-15 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: IL

Complaint narrative:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 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  XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( 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 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Today, XX/XX/2020 I called XXXX to dispute the charge of {$1000.00} that this company, ( COMPLETE PAYMENT RECOVERY SERVICES, INC-XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX Florida XXXX ) was attempting to collect from me. 

According to Ms. XXXX XXXX, she would be sending me the copy of check # XXXX that I wrote from XXXX XXXX XXXX  to a Church in the amount of {$1000.00} which was supposedly cashed at a local XXXX # XXXX in XXXX Texas on XX/XX/2020. 

I called XXXXXXXX XXXX XXXX Headquarters and spoke with XXXX and asked her to verify if someone had opened up an account with my name to which she responded. NO. 

Hence : I believe this is a scam to collect money from seniors who would normally make out checks to the church and who would easily feel intimidated by a letter from a collection agency that is threatening to affect their credit if the amount owed is not paid in full. 

In fact, when you call this number it literally states to have your account information handy to include your account number and the routing number. 

THIS IS A DECEPTIVE PRACTICE THAT HAS TO BE STOPPED. 
NEVER EVER GIVE YOUR PERSONAL INFORMATION TO VERIFY ANYTHING!

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 2020-07-15 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:
This law Company, used to be Pressler and Pressler, now it is Pressler and other Lawyers, Felt and Warshaw. For years this man Pressler has harrassed me numerous times for about five years now. I had a couple of charge offs from credit cards. He goes out of his way to buy or whatever they do with these charge offs, and come after me to collect. I have talked them each and every time they did this that I am a senior in XXXX, fixed income and can not pay these charge off credit card. They were like 300, to 500 dollars. About time he got finished with them, the amount drastically went up. Every where I move to because of health issues this Pressler person contacts me, and tries to take me to court. What he is doing is against the law. I have rights, because I am a senior does not mean I am stupid. Then he States it will be on my record for twenty years. That is illegal and so his his harassment. I want it to stop! He uses other company 's website the lastest is XXXX XXXX. You people here seem to do nothing. If this is not solved I will have to contact the Attorney General here in NJ.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I book a flight to XXXX XXXX in XXXX, which was subsequently cancelled by the airline. I paid with rewards points from my Chase Sapphire Reserve credit card. As the airline cancelled the flight I was eligible to receive a full refund. I called Chase to confirm this and they agreed and indicated that it would process automatically. It didn't and I called them again in XXXX to see what was happening and they encouraged me to wait another billing cycle. Again, it didn't automatically process. I called again at the end of XXXX and Chase indicated that they called XXXX, and confirmed the refund was received and that it would process in 1 to 2 billing cycles. It has been two billing cycles and I have yet to receive the refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection
State: NC

Complaint narrative:
After getting my annual credit reports, I discovered that I had a collection on my account. I found out what the original company was, an alarm monitoring system. I contacted them, they did not have my information. They said that they had put this into collection. The service was for an XXXX  address. I live in XXXX XXXX  and do not use any service of this type. I called the Perfection Collection Agency on XX/XX/XXXX and informed them this was not my debt. They said nothing. I have since disputed this on my credit reports and added a consumer statement, this is fraud. 
I am also sending a certified letter to this collection company for documentation that this is valid. It, of course, is not as I never have used these services. 
I have never lived or received mail anywhere but XXXX XXXX  in over 35 years. Never have received any mailings or telephone calls and the account was opened at the agency on XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
First off, my wife is currently surviving stage XXXX XXXX XXXX since XXXX. Treatments of intense XXXX and XXXX have caused some XXXX  issues that we are, my kids and I, still learning to cope with. 
The above does play into the events of XXXX, XXXX. Being financially strapped from working as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  to make ends meet we lost everything. 
My wife, trying to help, responded to an ad that would pay x amount of dollars to wrap your personal vehicle for advertising XXXX XXXX. Something she could do being XXXX. She received a {$1200.00} check from XXXX XXXX XXXX  out of XXXX, Ohio. XXXX thought maybe the advertising company 's lawyer maybe? This was supposed to go for getting her car wrapped and as first payment. She deposited the check, I believe it was XXXX & XXXX  XXXX  on the check, but she deposited it into our Bank of America account. 
My wife called for several days in a row and the customer service reps continued saying " it's still processing '', etc. My wife even alerted then that she was starting to not feel right about the check. 
I was approached by my wife and she explained the situation and the first thing I thought was " scam ''. I called Bank of America but instead of helping me, I was told that I was lucky they weren't pressing charges for counterfeit check. Now their mind was made up. I was not allowed to explain. There were no offers to assist me with what had occurred and just really, really, rude and short answers. 
After reporting that I tried to fraudulently cash a check, I have no way to open a bank account. I am building my credit and have my debt down below {$3300.00}, and trying to recover from almost losing my wife and raising teenage kids. I'll never get a mortgage without a bank account and for Bank of America to have the power to stand on my head and prevent me from moving forward in life for my family, unacceptable. It's been almost a year and the great bank I just left sadly denied me an account again. In 8 months my credit score has gone up almost 100 points. I'm putting forth the effort, and I know my wife made a mistake and for them to let us go I understand but why are they preventing me from moving forward with my life. I feel trapped and stuck with no help in sight. Just want a home, we already lost everything just let me eat it back. Not asking for a handout just want to be able to open a bank account.

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 2020-07-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all ftc violations

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 2020-07-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all ftc violations

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 2020-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
21ST mortgage will not help me, they are trying to foreclose on me. I lost my job due to covid. Please help or me and my kids will be out on the street.

Company response to consumer: Closed with explanation