vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I received a bill statement in the amount of {$610.00} that is not my debt. I do not owe any money and have never heard of your company. I take my credit serious and do not appreciate your company placing inaccurate information on my report. A bill statement is not validation and the signature is not my signature. Unless you can provide me a legal document with my signature stating I agreed to this debt I demand you remove this information from my credit report immediately. If I do not receive a letter from your company within 15 days confirming this has been closed in your office and you notified the credit bureau 's to delete this information I will file a complaint with XXXX and all needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: KY

Complaint narrative:
rozlin financial group put collection in my credit report on XXXX XXXX for {$1400.00}. this is not my account nor i have debt with them. i think this is somebody who steal my information and opened account.i called the company and told them this is not my account and they still put in 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 2019-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I went into a local Well Fargo branch to make deposit received from payroll ( my job ) in the amount of {$1400.00}. I had two pending charges for two credit cards that needed to be covered. I asked the teller if the funds would be available today and he advised that the funds would be available on XX/XX/2019 but that the two charges would be covered. I proceeded to deposit the check given his expertise, I trusted the teller 's word. On XX/XX/2019 I checked my account only to find out that the two charges was returned as non-sufficient funds and that there was an extended hold on my check. This caused s really serious issue for me as now my credit card will be closed due to returned payment and charges associated in which Well Fargo will be responsible for.

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 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Multiple times daily. When asking whether representatives were calling from they refused to answer. By law you are required to tell the name of your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent to two letters to Equifax to validate 4 reporting closed accounts or collections on my credit report. First letter was sent on XX/XX/19 and Equifax responded on XX/XX/19. The second letter was sent on the XX/XX/19, and Equifax responded on XX/XX/19. I stated in both letters if they can't verify these accounts which would be a original consumer contract with my signature on it, to respectively delete it. Both of their response has been that they have verified with original source or creditor without no proof. Even though they are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. I have demanded proof and haven't received proof but they are still reporting these accounts. Not to mention several of these closed accounts are still reporting to my credit report which is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We tried to remove our PMI as according to two websites ( XXXX and XXXX ) and the selling housing around us is worth between {$380000.00} and {$390000.00}. Our original sales price was {$320000.00}, our original loan amount was {$300000.00}, our balance at the time of application was {$280000.00}. Based on those numbers, we applied in writing to our mortgage company TIAA Bank to remove our mortgage insurance as we owed 80 % of our house value. 
TIAA Bank informed us that according to our mortgage we can only remove the PMI if the house is worth 75 % of our current house value or 80 % of our original purchase price. TIAA Bank also informed us that if we wish to perform an appraisal of our house it will have to go through a company they assigned and we will have to pay the {$460.00} fee. Somewhat confident in our house value we ordered the appraisal. 
The appraisal was ordered and performed on XX/XX/2019 by XXXX and they assigned XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX. The appraisal showed a current value of {$300000.00}. 
Our complaint would be 1. We can only communicate with the department handling the PMI through mail. 2. We do not have any right or say in what company is used in the appraisal. We understand the house may not be worth exactly what the suggested websites suggested, but the difference is extremely great. 3. Is there a regulation on these misleading websites? The day after the appraisal was done, our house decreased in value according to XXXX to {$370000.00} ( from {$380000.00} three days prior ). We wouldnt have paid {$460.00} to have a appraisal done if we didnt feel it was close to the 75 %. 
What rights do we have as consumers? We were trying to get some breathing room with lower mortgage payments but instead we are out {$460.00} and a house that is according to the appraisal but not the market (? ) worth less than our purchase price? The house next door sold for over {$400000.00} less bedrooms bigger sq.ft, yet the appraisal do not include that to the comps?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a so many credit inquiries on my report. Im in complete disbelief, someone is using my information on XXXX, loan request and credit card request. I no longer have a credit score none of my finances are being report I work so hard to gain credit now I dont have any. 

Can you please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a so many credit inquiries on my report. Im in complete disbelief, someone is using my information on XXXX, loan request and credit card request. I no longer have a credit score none of my finances are being report I work so hard to gain credit now I dont have any. 

Can you please help 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 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a so many credit inquiries on my report. Im in complete disbelief, someone is using my information on XXXX, loan request and credit card request. I no longer have a credit score none of my finances are being report I work so hard to gain credit now I dont have any. 

Can you please help 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 2019-11-09 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/19 I received a refund for a purchase. I had a positive balance on the card, in my favor. 

On XX/XX/19 I made a call, hoping to get the positive balance sent to me in check form. The gal I spoke with told me that they could to a direct transfer to the checking account linked to the credit card account. She said this would happen in 7 days. 

XX/XX/19 I made another call because the balance transfer to my checking account still had not happened. 
I was told it was pending, and it should be complete by XX/XX/19. 

I called again on XX/XX/19. This time, I was told it was in the process, but they could not give me a time by which this would happen. I had to simply wait, and they would contact me via e-mail or text when it had occurred. Basically saying, don't bother us about this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have verbally told Portfolio Recovery Associates to stop calling. I have sent them 2 emails and one physical letter advising them to put all communications in writing. They have called third parties. Despite receiving notice to stop calling, the calls keep coming. 

Not only do they keep calling, the phone numbers they call from vary ( various states ). 

According to my records, I have no outstanding collections with this company. 

To date, starting with the XX/XX/2019, I have received nothing in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
XX/XX/XXXX I purchased a home with XXXX XXXX for XXXX and was sold out to US Bank in XXXX! My home was severely damaged by a storm in XXXX of XXXX. I filed an insurance claim with my insurance company, XXXX XXXX. I received 2 checks for the damage to my home and they were both made out to me, US Bank and another company. US Bank instructed me to sign the checks in the amounts of XXXX and XXXX and send to them and they would send it back so I could repair my home! It has now been 1 year and 5 months and I have not received anything to fix my home and they are saying they never received the check in the amount of XXXX! My home has severe water damage and the roof is falling in and we have mold throughout the home! I stopped paying for my home because we were in a daily battle over letting me fix my home and they put my home up for sale so I had to contact a lawyer in order to keep my home! I have called in a licensed contractor to give me a new estimate on the damage to my home and he stated this home is a total loss! He stated the rafters and decking of the home are severely water damaged and the home should not be lived in due to the amount of mold in the home! I have lived in this home for 12 years and 2 months and I only paid XXXX for the home and as of today US Bank states I owe XXXX! I have contacted everyone possible for help in this matter! Please help!!!!!

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 2019-11-09 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: NY

Complaint narrative:
Items that are not my accounts are reporting on my Experian credit report.

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 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Continuing calls many consecutive days on weekends in early am I have mention to the debt collector my health concern and took down their name and number but they called me today again in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
Keep trying to collect on a debt that is not mine. Threatening that to call them back is in my best interest. I do not owe this debt, it is not mine. Filing complaint with XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Continuing calls many consecutive days on weekends in early XXXX  I have mention to the debt collector my health concern and took down their name and number but they called me today again in the 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 non-monetary relief
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
My home was broken into of XX/XX/2002 later I obtained my credit reports would had numerous identity theft accounts on there.I reached out to the credit bureaus to update with a police report to have these removed they would not.I paid some of the debt myself to remove it from my credit bureau I have been going round and round with XXXX XXXX XXXX  it is a credit card. Balanced owed is XXXX. I have fax them a copy of my police report showing identity theft a copy of a FTC report showing I was at identity theft victim have not heard anything. I would like this removed from my credit bureaus all three ASAP thank you very much

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 2019-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
A lot consumers depend on face to face transactions with their local bank. Unfortunately, some of us have limited time to perform these banking transactions given family and work responsibilities. The Bank of America at XXXX XXXX XXXX in XXXX, NC makes it extremely difficult for customers to deposit or withdraw funds with a teller. This bank branch is significantly under-staffed with just one teller. As a result, customers either i ) waste time in one of two drive through lanes that are no longer open or ii ) wait in line for a single teller inside the bank. This is extremely frustrating for customers that only have an hour for lunch or limited time on Saturday mornings to make transactions. The manager at this local branch ( XXXX XXXX ) was extremely condescending when I brought these concerns to his attention. He had no empathy for my concerns. He made no attempt to apologize for the poor customer service. He attempted to embarrass me by refusing to process my transaction. I was asked to leave this bank branch. This is not acceptable and could have been avoided if Bank of America had adequate staffing for this bank branch. It seems like these banking institutions are constantly asking for more sacrifices from customers in an effort to increase profits. Arrogant and incompetent employees like XXXX XXXX ( XXXX ) XXXX should be more sensitive to customer concerns. The inadequate staffing essentially nullifies access to important banking services. The time waiting for a teller at Bank of America makes customers feel like they are in line for XXXX XXXX tickets. Unfortunately, there is no 'satisfaction ' consistently spending 40 minutes waiting in line to conduct a simple transaction. The bank needs to apologize for being inconsiderate and wasting the time of customers. The bank should value our business and treat customers with respect. Bankrupting America should not be allowed to intimidate customers who raise valid concerns about the company 's hostility towards customer service. Mr. XXXX XXXX is one tree short of a hammock if he thinks consistently having one teller is an adequate staffing level for such a busy location of a national 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 2019-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX  i attempted to call sears home improvement services 10 times in regards to my account due balance rising from XXXX to 7,000 something dollars within a one month span. 

Sears home improvement services contined to hang up on me after retrieving all of my personal information. 

Our contract was for my windows to be replaced at the cost of XXXX. I was untable to make contact with any sears employee willing to help me find out why the amount was so high. 

XX/XX/2019 i was charged a fraudelent amount of XXXX in Which was never agreed upon.

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 2019-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: MA

Complaint narrative:
BSI Financial services is doing the same thing to me after they already violated the Consumer Financial protection act and Truth and lending act after the CFPB just settled with them. BSI improperly handled my mortgage failing to recognize we were already in loss mitigation in the process of receiving a loan modification through XXXX XXXX During the transfer my loan sat in their office for eight months. They also stole money from my account while I was making payments ( I have proof ). They did exactly the same thing they were reprimanded for, obviously not caring about its last violation. They are now beginning to foreclose on my home. When I finally signed a modification that I had to sign or they would foreclose my first bill was over 6000 dollars so I could never get ahead or caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Early this morning XX/XX/XXXX I woke up to alerts that there was a transaction made that was suspicious. I did not recognize the purchase and immediately called the number I was given, but no answer. I wasnt able to fill out something on the mobile app where I showed all the transactions that I didnt recognize and submitted it. They said they would investigate and mail me a new card. However nothing was said about a refund. I need to make sure I get all my money back for that. Im a poor college XXXX, and can not afford to just lose {$100.00} overnight cause of fraud. Please get back to me as soon as possible. Thank you

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