vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It appears that Bank of America sent me XXXX XXXX XXXX credit cards on XX/XX/2021 ( based on BOA email ) to replace cards that were expiring in XXXX. 

The cards expiring in XXXX were infrequently used with XXXX not used at all XXXX card was acquired originally in XXXX and XXXX cards were for me-XXXX  and XXXX stopped using cards years ago ) the other XXXX used primarily for monthly recurring bills - XXXX XXXX XXXX and XXXX XXXX see bottom of this list. These recurring bills were paid monthly by the cards for at least a year and there were very few one-off purchases with this card. 

I never received the ( XXXX ) cards and the first fraudulent charge occurred on XX/XX/2021 using a card with a chip. I was notified by email from BoA on XX/XX/2021 that there was " unusual activity detected ''. I contacted BoA that day and went through the list of fraudulent charges with BoA XXXX   Department when the list was already XXXX of " unusual '' charges - I did not count the exact number. When I checked my BoA CC account on XX/XX/2021 only about half the charges had been categorized as under dispute. I called BoA Fraud Department again and went through the process again to point out all the ones that BoA had skipped over and the BoA Agent said this should never have happened and she would take care of it. I logged on XX/XX/2021 to verify all the Fraudulent charges had been identified and the list below is what I saw. 

As you can see from the attachment it appears there was a new fraudulent charge on XX/XX/2021 at a XXXX XXXX in XXXX, CA even though my XXXX were meant to have been cancelled after my first call to BoA on XX/XX/2021. You can also see on the attachment that there is a very large number of fraudulent charges - that were reviewed with XXXX different BoA Fraud Agents - that have still not been identified as Fraudulent by BoA. 

My legitimate charges are below : Posted Date Reference Number XXXX Address Amount XX/XX/2021 XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX CA XXXX XX/XX/2021 XXXX XXXX XXXX CA XXXX CA XXXX XX/XX/2021 XXXX XXXX for XXXX XXXX DE XXXX DE 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 monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
On XX/XX/2019 I received a letter by mail from XXXX XXXX XXXX stating that my payment for XX/XX/2019 had not been received. I sent an email to XXXX by way of the Messaging center of their website asking why the payment shows as being received, but not posted. No reply was sent to me. On XX/XX/XXXX I called XXXX customer service line and spoke to someone about the payment and why it wasnt posted. It appears that the payment I sent in XXXX of 2019 at the new adjusted total of {$2300.00} was received on time. The issue happened when the payment I scheduled for XXXX though my online bill pay sent the previous amount of {$2200.00}. A difference of {$110.00} due to escrow adjustments. 

After several conversations with the customer service department I understand that XXXX XXXX policy is to post all funds that are short of the total amount in an unapplied funds account. They did not notify me of this process. The unfortunate result of this is that I did not know that the payment was short, or even that the payment was not posted. I had XXXX indication of the issue. It was stated to me that XXXX had tried to call me multiple times to notify me of the late payment as early as XX/XX/XXXX, however that isn't true. I never spoke to anyone or had a message from them. XXXX has my correct phone number on file and routinely calls this phone number to ask me about refinancing. I was told by the Customer Service supervisor that they were not allowed to call my number, but that does not align with the fact that XXXX has called me dozens of times for refinancing offers including the call I received on XX/XX/2019 about refinancing. The unfortunate result of all of this is that my payment was not posted and paid until XX/XX/XXXX. The customer service team waived all the fees after reviewing my nearly XXXX history of on time payments and understanding the results of all of the unfortunate delays. 

My credit score is XXXX. Payments are never sent late to anyone ever. The posting of a late payment by Caliber Home Loans has left a significant impact on my clean credit. It was a series of unfortunate events that pushed my payments just past the XXXX period. In speaking to the Customer Service team, and the Supervisor, they told me that my only option was to send a letter to the Caliber Home Loans Credit Department by mail and ask for your help and review of the issue. I asked for their help in erasing this late payment. Review my history with the Caliber Home Loans, the calls and immediate action I took when I received the notice. 

The send me a letter on XX/XX/2019 and refused to make any changes. This has left a significant blemish on my credit score that I would like to have removed. It is impacting my ability to get the very best rate on a refinance. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This is my fourth complaint regarding the issue with PNC Bank. Complaints : XXXX, XXXX, XXXX My complaints have not be resolved by PNC. I have requested refund of fees assessed ( as of XX/XX/21 ) XXXX representments of transactions and XXXX {$30.00} fees by XXXX for the transactions. I will be filing a separate complaint against XXXX. 
I am willing to pay the fees I legitimately owe. I refuse to pay fees for representments of the same transactions over and over. This is an abusive, if not illegal, process used by financial institutions to generate fees. 
The normal presentment of returned items is an automatic XXXX  times. Continuing to represent the same items and charging each time is excessive and abusive against the consumer. 
At what point does it stop. Part of the problem is PNC is allowing representments over and over and assessing fees. This is an automatic process, however, when it is brought to attention, PNC refuses to take responsibility and refund the fees. 
I have also filed a complaint with Office of the Comptroller of the Currency and Attorney General of PA. 
I also believe these practices could result in a Class Action Suit for consumers experiencing the same abuse by financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I purchased my home in 2001 for {$58000.00}. As of this date I owe {$64000.00}. I have been paying on this mortgage for 20 years. In that time I have had a bankruptcy, and the loan has been with 3 different lenders. I would like my account audited. There is no way I should still owe as much as I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
XXXX XXXX has submitted items for the same transactions over and over, causing overdrafts as well as bank fees. In addition, Telecheck, ( TRS services XXXX XXXX process for bank transactions ) has assessed 5 @ {$30.00} each time. At the present time, TRS has presented these same 5 {$30.00} four times. Each time XXXX has assessed OD fees and returned the item. 
It is usual for a second representment of the same item, however, more than two times is abusive as well as a violation of the banking regulations. XXXX XXXX, TRS as well as XXXX bank are in violation by allowing these transactions to continue endlessly. It is a process to generate additional fees for the financial institutions. 
Adding to this, TRS, as sent me invoices charging not only the amount of the item but an additional fee of {$30.00}. The items {$25.00} Ref XXXX Item {$25.00} Ref XXXX Item {$25.00} Ref XXXX Item {$50.00} Ref XXXX In addition, there are extra fees of {$30.00} added to the above amounts. And 5 x {$30.00} has been deducted from my account. 
TRS threatens to disallowed any activity regarding financial institutions, i.e. opening accts, check denial etc. 
As well, transactions which were processed as an XXXX were changed to a check as a means to process the items a second, third and fourth time.

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 2021-03-31 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: FL

Complaint narrative:
I had several accounts with XXXX XXXX XXXX XXXX and I have requested information in reference to the accounts they are reporting on my file. I do not know if it's the bureaus or the credit union showing the incorrect information, so the accounts were already disputed with the bureaus and I sent a certified letter to the credit union requesting details that are reporting on my personal credit file. It has been well over 30 days and I have yet to receive anything from the credit union. I have attached proof of the request and proof they received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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 original creditor XXXX XXXX XXXX - is reporting incorrectly to Experian and XXXX  a collection/chargeoff in the amount of {$930.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I do not now, nor have I in the past, ever had an account with XXXX XXXX XXXX. This account is fraudulent and does not belong to me. Experian and XXXX  are also failing to investigate numerous letters I have sent requesting a review into the validity of this account. They are also reporting this item as not in dispute when in fact this item is in dispute. This language needs to be reflected on my credit report. This false reporting of an item that does not belong to me as well as not reporting this account as in dispute is seriously harming my credit score. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This line item needs to be completely removed from my credit report. Again, I have contacted the bureaus multiple times to review this account however, I have not been successful.

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 2021-03-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Every time i file a dispute online ... They always come back and said it's valid. I have told the reporting company several accounts were not mine and there are 1-2 that i never applied for and it's on my credit report. So these accounts are never deleted. The accounts listed below are not mine. I had someone trying to use my personal info over the last 2-3 years. I have been working on correcting the problem and need your help with my issues. I have file a disputed XXXX XXXX XXXX  {$3300.00} ( Not mine ) XXXX XXXX XXXX {$280.00} ( Never heard of this company ) XXXX XXXX XXXX XXXX {$570.00} XXXX {$1700.00} ( No acknowledge of this acct. ) XXXX XXXX Solutions {$870.00} ( Never applied, not mine ) XXXX XXXX XXXX {$100.00} ( Not mine acct. ) XXXX XXXX XXXX which i disputed 4 years ago and shouldn't be on my credit report : XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$240.00} I have the following accts are closed on my credit report but they won't remove them. They causing me problems with obtaining new credit, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX. XXXX Now XXXX. XXXX Now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: IL

Complaint narrative:
Every time i file a dispute online ... They always come back and said it's valid. I have told the reporting company several accounts were not mine and there are 1-2 that i never applied for and it's on my credit report. So these accounts are never deleted. The accounts listed below are not mine. I had someone trying to use my personal info over the last 2-3 years. I have been working on correcting the problem and need your help with my issues. I have file a disputed XXXX XXXX XXXX {$3300.00} ( Not mine ) XXXX XXXX XXXX {$280.00} ( Never heard of this company ) XXXX XXXX XXXX XXXX {$570.00} XXXX {$1700.00} ( No acknowledge of this acct. ) XXXX XXXX XXXX  {$870.00} ( Never applied, not mine ) XXXX XXXX XXXX {$100.00} ( Not mine acct. ) XXXX XXXX Bills which i disputed 4 years ago and shouldn't be on my credit report : XXXX XXXX {$1600.00} XXXX XXXX XXXX  {$240.00} I have the following accts are closed on my credit report but they won't remove them. They causing me problems with obtaining new credit, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX. XXXX Now XXXX. XXXX Now

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 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The way Chase bank credits my account allows them to charge me ridiculous fees in overdraft even when I transfer the funds from my savings account ( XXXX, etc ) to cover for those transactions. They tell me I have until the end of the bank day to put overdrafted funds back and even though I always do they still sneak in charges by holding payments pending, not allowing cash transactions to process first and taking out the overdraft fees before acknowledging the funds put in the account to cover it. For example, I had a payment of {$390.00} deposited into my account, they took three payments of {$34.00} in overdraft because it " cleared after '' their transactions posted on the same bank day after the end of the previous bank day. It was like XXXX. All they had to do was acknowledge at XXXX that I had deposited {$390.00}. BUT NO. They processed their transactions first, THEN said oh wait but now we have to charge you those overdraft fees even though you had money in your account. Then they ask if there is a reason my account is overdrafted, yes they are the reason. I could have a 2 hour period where my account doesn't have money and I am waiting for a transfer to go through and they take that opportunity to magically approve all the pending transactions to charge those overdraft fees. Then they always tell you, " you've reached the amount '' of overdraft fees they can refund you for the year.Even when their practices made you overdraft in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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 original creditor XXXX XXXX XXXX - is reporting incorrectly to XXXX  and Transunion a collection/chargeoff in the amount of {$930.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I do not now, nor have I in the past, ever had an account with XXXX XXXX XXXX This account is fraudulent and does not belong to me. XXXX  and Transunion are also failing to investigate numerous letters I have sent requesting a review into the validity of this account. They are also reporting this item as not in dispute when in fact this item is in dispute. This language needs to be reflected on my credit report. This false reporting of an item that does not belong to me as well as not reporting this account as in dispute is seriously harming my credit score. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This line item needs to be completely removed from my credit report. Again, I have contacted the bureaus multiple times to review this account however, I have not been successful.

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 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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: FL

Complaint narrative:
I had several accounts with XXXX XXXX XXXX XXXX and I have requested information in reference to the accounts they are reporting on my file. I do not know if it's the bureaus or the credit union showing the incorrect information, so the accounts were already disputed with the bureaus and I sent a certified letter to the credit union requesting details that are reporting on my personal credit file. It has been well over 30 days and I have yet to receive anything from the credit union. I have attached proof of the request and proof they received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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:
I had several accounts with XXXX XXXX XXXX XXXX and I have requested information in reference to the accounts they are reporting on my file. I do not know if it's the bureaus or the credit union showing the incorrect information, so the accounts were already disputed with the bureaus and I sent a certified letter to the credit union requesting details that are reporting on my personal credit file. It has been well over 30 days and I have yet to receive anything from the credit union. I have attached proof of the request and proof they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Associates, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation