vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC Bank enrolls members using checks in a service that automatically reorders checks once a certain amount of checks from the previous order are used.
I received my last batch of checks at my then current address. In XX/XX/XXXX, I moved to a new address. I subsequently updated my address with PNC. I inquired at the time and was informed that the change of address would apply to all products across the account and there would be no need to make any further changes or updates to my information.
In XX/XX/XXXX, I wrote the last check from the previous batch. I stopped into the local branch to inquire about re-orders and was told that a re-order had been placed on XX/XX/XXXX. On XX/XX/XXXX, with no checks arriving, I checked the website, which said no reorder was pending.
I then contacted PNC 's customer service, who informed me that no reorder was pending, because checks had been re-ordered inXX/XX/XXXX. Those checks, I was informed, had gone to the previous address, despite changing the address on the account over a year prior. I was told that a letter ( not certified mail ) had been sent to my current address confirming the order. I did not receive a letter. I was also told that it is the bank 's practice not to update the address on check reorders except specifically in reply to that letter.
PNC did not track or confirm receipt of the checks issued inXX/XX/XXXX. There are now 100 checks in my name, with my account numbers, that are completely unaccounted for. PNC has informed me that they can not permanently cancel or void these checks. They can only place a stop payment order on those check numbers for 6 months and that order must then be manually renewed. This, obviously, presents a massive and ongoing security risk to the account. PNC was not able to offer any other solutions.
PNC 's practice of retaining addresses they know to be outdated for check orders is troubling, as is the failure to provide any sort of verifiable confirmation of reorders or verification that checks mailed are received. Even more troubling is PNC 's inability to mitigate their own negligence with regard to checks that remain active and unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: TX

Complaint narrative:
Debt collection company making robocalls to random people based on just a last name match. I have a common last name! They call everyday!

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 2017-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
OnXX/XX/XXXX I submitted my recertification for an income based repayment. I uploaded the required documents through the official FedLoan website. A week later, it was denied. When I called back, the representative explained that on their end, reviewing the documents and requirements, there was no reason for a denial. 
The representative stated that they were re-submitting my documents again and attaching a note verifying the documents were complete. Therefore, as this is time sensitive ( due date for accepted recertification is XX/XX/XXXX ), that it should be expedited. 
Called again todayXX/XX/XXXX, and was told no notes or expedited requests could be placed on re-submitting a recertification request. Then, customer service tried to blame me for the denial of my request, even after reviewing the documents I submitted were in fact the documents needed to obtain the recertification. 
I had similar issues with FedLoan Servicing in XX/XX/XXXX, and again this year in XX/XX/XXXX 
A student loan servicer is required to service my student loan. Therefore, when I submit the correct documentation to recertify my income based repayment, and I recieve a denial every year, usually creating a situation where I pay a large sum of money for two months while FedLoan fixes their mistakes ; they are in violation of the agreement and contract they signed with the federal government to service my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX at XXXX XXXX a gentlemen called me from ( XXXX ) XXXX representing himself with the XXXX county courts. He stated a lawsuit was filed against me in regards to fraud. I advised I had no knowledge of this information. He then gave me another number to contact ( XXXX ) XXXX and case number XXXX. I called the number he gave me and a female stated the matter was with an Attorney XXXX. She then advised the matter was due to an unpaid payday load from Ace cash express. I advised her ; this was unethical and against the law to call someone under a false representation of the XXXX County Clerks office. Also, I 've set up payments with them and they 're not allowed to collect on a debt in which payments are already setup. This is a form of harassment. You can not false identify yourself, nor use scare tactics claiming suit by representing yourself as a clerk from the XXXX county courts. The lady then hung up on me. I called back several times baffled of such unprofessional behavior. She then begin to yell advising me to pay my bills when I 've informed her several times I 've already set up payments with them. She refused to give her name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: HW Holding, Inc
State: TX

Complaint narrative:
I have made several attempts for this company Hunter Warfield to provide proof of account ownership and they have not sent any information over to me. I have also called XXXX XXXX which was the original creditor and they said that they do not have any information on me and I need to contact Hunter Warfield. I have disputed this account since 2016 several times with all 3 credit bureaus and they have not provided me any information that I asked for as far as verifying this debt. I have never lived in these apartments. Either send me a lease stating that this is my account as I requested several times or remove this from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Saturday, XXXX XXXX, 2017, Chase Bank closed my college student checkings account with them. I had a XXXX XXXX XXXX dollars remaining in the account ( thus a positive balance ). When my card declined I called chase to inquire and they informed me that the my account was closed, the decision was final and I would be unable to utilize their services ever again. They deemed my account unsustainable and a liability. I then spoke to the bank teller I had worked with since I first opened my account and she tried to inquire more and was informed that the legal team for chase reviewed the decision and deemed it final. I called chase several more times and these times they refused to provide a reason as to why my account was closed. This action caused me to be unable to pay certain bills on time and incur fees. They closed my account for no reason, refused to provide explanation and the inability to access my money cost me more money. I ended up receiving a check with my remaining balance however a couple of weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: CA

Complaint narrative:
On all the 3 credit bureau reports I can find unrecognized hard inquiries, accounts, and addresses. All the below mentioned accounts does n't belongs to me, either it 's an identity mismatch or a fraud. I have dealt with the bureaus many times but still no conclusion and every now and then I can find a new entry on the report without my consent. All this is impacting my credit score and making me worried about something suspicious.
Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, there are many hard inquiries which do n't belong to me. I need your urgent help, as I am dragging this issue from last 8-9 months and still the bureau investigation is not of good use to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03 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: NC

Complaint narrative:
XXXX XXXX ADDED A ACCOUNT ONTO ALL THREE OF THE CREDIT REPORTING COMPANIES AND I DISPUTED ALL THREE CREDIT BUREAUS AND XXXX AND XXXX INVESTIGATED IT AND REMOVED ALL THE ACCOUNTS FROM MY REPORT AND SENT A MESSAGE TO EXPERIAN STATING THEY REMOVED AND BLOCKED THIS XXXX ACCOUNT. EXPERIAN NEVER REMOVES STUFF UNTIL I GO TO FTC AND CFPB. EXPERIAN KNOW THIS ACCOUNT ISNT MINE AND UNDER THE FAIR REPORTING ACT ONCE ONE BUREAU REMOVES IT AS FRAUD AND SEBDS A REQUEST TO ADD A FRAUD ALERT THEY SEND A DETAIL MESSAGE WHY THE WANTED THE FRAUD ALERT ADDED. I WANT THE XXXX ACCOUNT REMOVED ASAP.

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 2017-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC
State: CA

Complaint narrative:
This company has continuously called me on two different phones. They call over 3 times a day on each phone. So this would be 6 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO

Complaint narrative:
on XXXX applied and received a payday loan for the amount of {$400.00}. Repayment was scheduled for {$480.00} to come out on XXXX XXXX. Our account was one day off for direct deposit on XXXX. Payment was returned on XXXX. I went online and scheduled two payments corresponding with upcoming direct deposits totaling the new amount of {$520.00} now owed of {$260.00} each. XXXX for XXXX and XXXX for XXXX received confirmation numbers for each of the upcoming scheduled payments. 
I had no alerts or messages that I needed to advise anyone of these payments scheduled. 
on XXXX Cash Central debited {$520.00} along with the {$260.00} payment. I immediately contacted my financial institution to dispute the item for {$520.00} since the second payment was set to come out the XXXX for {$260.00}. 
I contacted Cash Central several times regarding the incident. Spent more than a total of two hours on the phone on hold, being transferred, on hold being transferred. sent documentation requested. spoke with XXXX on XXXX promised she would call me once the refund issued. double checks the {$520.00} and the two {$36.00} charges incurred due to the double posting would be refunded. 
called back on XXXX since I did not receive a return call. spoke with XXXX. told me XXXX was not in the office at this time and his supervisor was not available either. explained the situation. would not refund the two charges  that were caused totaling {$72.00} XXXX did receive the {$520.00} credit but no credit for fees incurred from their error. 
cancelled the dispute with my financial since Cash Central had issued credit. 
AWFUL CUSTOMER SERVICE- excessive transfers EXTREME WAIT TIMES- I am sure hoping I will go away just want the fees incurred for the double posting for the ridiculous loan I had to have during an emergency.

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 2017-11-03 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: NJ

Complaint narrative:
I had XXXX XXXX at my previous address in XXXX, nj. I had never been late or missed a payment. After a little over a year of having the service, we decided to put our home on the market and relocate to another city within the state of nj. I contacted XXXX to explain that I needed to cancel my service because we were moving. The customer service rep suggested I just freeze my account and unfreeze when we move into the new home. I paid my final bill and agreed to freeze the account. Unfortunately, we purchase a preforeclosure home and it took us nearly 10 months to close on the house. Once we actually closed on the house, I contacted XXXX to reactivate the service, but was informed that XXXX XXXX was not available in the part of town that we just brought a home. I was then instructed to return the equipment to a local XXXX XXXX store. I took all boxes and remotes to the XXXX XXXX store in which I was familiar located on route XXXX in XXXX, nj in XXXX XXXX. XXXX states they have no record of this and sent me a bill for {$1500.00} for equipment. I informed them, that I paid every service bill due on time. Every conversation is noted. I have no collection or lates anywhere else. Why would I not return equipment, i no longer can use? Why would i pay {$1500.00} for equipment I no longer use. I have since contacted Experian but to no avail. They seem to side with businesses. In fact, all other credit bureaus have confirmed and deleted this file except for 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 explanation
Consumer complaint received 2017-11-03 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:
I have made several attempts for this company XXXX XXXX to provide proof of account ownership and they have not sent any information over to me. I have also called XXXX XXXX which was the original creditor and they said that they do not have any information on me and I need to contact XXXX XXXX. I have disputed this account since 2016 several times with all 3 credit bureaus and they have not provided me any information that I asked for as far as verifying this debt. I have never lived in these apartments. Either send me a lease stating that this is my account as I requested several times or remove this from my 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 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I feel the bank should have not giving me the loan if the roof of the house was not good. 

I bought a house on XXXX/XXXX/2016, the inspector that I got to inspected the house ( recommended by realtor agency ) told me the roof had about 5 years left, and I was ok with that. A month after I bought the house the homeowners insurance notified me that I needed to replace the roof or I was going to be drop from the insurance. Needless to say, I didnt replace the roof and the insurance dropped me, so I went to a different homeowners insurance but they also dropped me for the same reason. Now because I cant get insurance of my own, the bank picked a homeowners insurance on my behalf thats more than double. 
I feel the bank should have notice the roof of the house was no good even though the inspector said it had 5 years left and stop the loan process? 

Now I need to replace the roof which is going to cost me about {$13000.00}, my other option was to keep paying for a high rate homeowner 's insurance.

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 2017-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
This is a second complaint to follow up on the Trial Plan Agreement offer dated XXXX/XXXX/XXXX. The first CFBP complaint requested an affordable loan modification and forgiveness of the escrow shortage. The payment offered is higher than all previous payments due the escrow shortage that we feel is a mistake made by Flagstar. This mistake was made when we were approved for XXXX XXXX XXXX program on XXXX/XXXX/XXXX in which the program paid {$23000.00} to Flagstar to get us current. We were told and the approval documents stated that this would get us completely current and stop the foreclosure and cancel the sheriff sale. We continued to make our monthly payments assuming everything was back to normal when we received notice from Flagstar in XXXX XXXX that we were behind in escrow {$10000.00} and our payment would more than double to {$1800.00} per month. 
We have attached a Third Party Authorization for our HUD Housing Counselor.

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 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is an address reporting on my credit report through XXXX XXXX XXXX XXXX XXXX md in 2009 and it belongs to XXXX XXXX XXXX I did not live at this address I was living with my parents in XXXX XXXX XXXX XXXX XXXX DE XXXX attending XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
On XXXX XXXX XXXX I wrote a check to XXXX XXXX XXXX to hold an appartment for me. That same week I decided against that apartment complex and called up told them I changed my mind and wanted to pick up my check. They assured me that it would be destroyed and there was no need for me to come get it. Fast forward to XXXX of this year XXXX. The check came out of my account on XXXX XXXX XXXX. There was no signature but mine and no endorsement. I called Bank of America up right away and reported the fraud. At first they would not accept my claim because they said I wrote the check and it was my responsibility to get the money back. After a few days of me calling obsessively they agreed to investigate on XXXX XXXX XXXX. They refused initially to give the money back to me in a credit but they decided to do so shortly after the claim was submitted. Fast forward to XXXX XXXX. There was a debit that came out of my account for the said check. Immediately I called Bank of America and they said my claim had been denied and that they had sent me an email stating the reason and the date the temporary credit would be taken from my account. I have received no such letter. As of XXXX XXXX I have called everyday trying to get copies of that denial letter and a copy of my fraud statement that I sent in to Bank of America in late XXXX early XXXX. They keep giving me the run around. Today XXXX XXXX I called again to get my information and they were having technical difficulties and I was advised to call back in an hour. Since this debit my account has become overdrawn and my checks returned. I have tried to explain to Bank of America that I did not even have any notice or time to make sure that debited amount was in my account so that I didnt have these issues and it has fallen on deaf ears. I just want them to admit fault and return my money back. It is not right because this is a clear case of fraud and a stale dated check and they told me Its my responsibility to get money back from I do not even have a clue. Ive been a customer for almost 12 years and I have never been so wrongly treated.

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 2017-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
I recently found a past due debt listed on my XXXX credit report. It was not listed on XXXX or XXXX and as I recall was not listed on my last XXXX report. I contacted the debt collection agency ( Direc Management Inc, XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX ) The debt according to them was for XXXX Hospital in XXXX County AL in the name of XXXX XXXX , DOB XXXX, amount {$320.00}. I have never been to XXXX Hospital as a patient and have never received medical care from them. My name is XXXX XXXX XXXX /DOB XXXX. 
Apparently they have reported a debt incurred by my son ( XXXX XXXX DOB XXXX ) on my credit report. He is an adult and has not lived with me since he was XXXX years old and I am not responsible for his debts and have never agreed with any agency, company or entity to be responsible for his debts. At the time the debt was incurred he was XXXX XXXX XXXX. 
I informed the person at Direc of this and she stated that I was responsible for the debt because he was my son. She maintained this position even after I told her my DOB ( XXXX not XXXX ) and that he was an adult who did live with me and that I was not responsible for any debt he incurred. This is a fraudulent attempt to collect money from a party not responsible for the underlying debt and the use of improper strong arm methods by placing false information on my credit report so as to force me to pay a false debt to protect my credit rating

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