vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Around XX/XX/2014, an unauthorized transaction was made using my Macy 's credit card without my knowledge. Because I was not aware of the occurrence of that transaction, I was under the impression that card balance was {$0.00} and didn't make the payment at the end of billing cycle. After few months this resulted in a charge off. I only realized this when I got the call from collection agency to which credit card company deferred. 
Since 2014, I requested the credit card company many times to consider that transaction as fraudulent transaction and remove the charge off from my credit report. I also paid off the full balance - original transaction amount + interest to the collection agency. Credit card company is refusing the consider the transaction as fraudulent transaction and remove the charge off from credit report. 
My credit score is negatively impacted because of charge off. It is very unfair that credit card company is not accepting a fraud transaction as fraud transaction and unwilling to remove charge off from the 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 monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ProCollect, Inc.
State: TX

Complaint narrative:
So I went to apply for residency at some townhomes at that point I was denied occupancy due to the fact of some information on my consumer report so when I called in the have the information sent out to me it showed I had a judgement placed on me back in XX/XX/2013 for XXXX for XXXX XXXX XXXX  with inaccurate information which I feel I should not be liable for anything due to the inaccurate information that was placed on my report so when I was finally was able to get in touch with the complex to see what the issue was I received a copy of my rental history from them and the information was alot different from what which was placed on my consumer report and when I advised of the information I was referred to a debt collection agent called pro collect I feel like this was a fraudulent case on my report and on my behalf it has caused me alot of denials and anguish for certain things and issues I would like to have this issue resolved and dismissed if possible I have both copies of the letters if needed to be verified also there are spellings of names on my consumer report that is not me I also summited a copy

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 2020-03-03 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 — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My PNC Bank credit card was compromised and my card balance is pretty much maxed out! PNC advertises a zero fraud liability, I am disputing all transactions on my account with the exception of the XXXX Office transaction for {$27.00} on XX/XX/20. 

All transactions made after the XXXX Office transaction for {$27.00} on XX/XX/20 are fraudulent. 

I have tried to contact my bank several times, but I can't get through to anyone because the automated voice system requires me to know my full 16 digit credit card number in order to file a claim! 

My phone and wallet with my photo ID and social security card were also stolen around the time my credit account was compromised, I am only becoming aware of the transactions today because my phone was stolen and I have paperless notifications about my account. 

This is so unfair! If someone has been calling in to verify these transactions, it is not me! They are fooling PNC to believe that they person with me card is me, and leaving me to pay the balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Claim Number : XXXX Bank of America is intentionally filing my claims incorrectly to not have to credit me for fraudulent transactions. 

They are also reporting that I lost my card, which I did not ( I did not have my wallet on me at the time of reporting the fraud but it wasn't lost or stolen. ) Someone either took a picture of my card, or picked it up to make the fraudulent transaction and immediately placed it back down. 

I never order anything from the merchant in the dispute, they called me and asked me if I purchased the merchandise, I said no and they hung up ... oddly enough they never credit the money back to my bank. 

Bank of America was notified, and repeatedly reported the incorrect information several times in attempt to not approve the claim. The transaction was never verified by myself and I need my money back!

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 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Amazon Rewards Chase VISA card. I have the " auto pay minimum balance '' feature turned on for the account so the minimum payment is made in case I can't pay off the current balance. 

On XX/XX/XXXX, I used my smart phone app to schedule a payment to pay off the current balance of {$630.00}. I selected the amount to pay ( {$630.00} ), I scheduled the payment for that day, I authorized the payment. I then closed the app. 

On XX/XX/XXXX, I used my pc to log into my credit card account. I saw that the balance was not yet paid, and then I logged out of the account by closing my browser. 

On XX/XX/XXXX, I checked my account balance, it showed a credit of {$630.00}. I looked at the payment history, and it showed ( 2 ) payments of {$630.00} from my checking account. 

I have to add that the auto pay is not scheduled to pay the minimum until the 7th of the month. 

I called the credit card customer service department, they said the activity time stamps show that I made the XXXX payments on XX/XX/XXXX and XX/XX/XXXX. 

I REPEATEDLY TOLD THEM I DID NOT GO THROUGH THE PROCESS OF PAYING THE CARD BALANCE ON XX/XX/XXXX. 

They would not listen to me and refused to immediately refund the {$630.00} credit back into my checking account. The only recourse I had was to elect to receive a reimbursement check that would take 2 weeks to receive. I would not be allowed to use the credit card during this time. This recourse makes no sense to me. 

This is not the first time this has happened. This same sequence of events also occurred the previous billing period. 2 payments of {$200.00} were made on XXXX & XX/XX/XXXX, and I ended up with a credit. At the time, I couldn't remember going through the process of making the 2nd payment, but chalked it up to my making the mistake. I didn't report this to Chase at this time.

So, I have 2 payment situations that I believe are caused by some software glitch in their system. Even though their data contradicts it, I KNOW that I didn't make the second payment of {$630.00} on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bessine Walterbach, LLP
State: MO

Complaint narrative:
The collection agency failed to notify me of the debt and allow me to settle the debt prior to filing 2 separate lawsuits for the alleged debts less than {$600.00} they received the accounts on the same day from the same debtor that are hospital emergency room bills. 
Then claim they could not contact me in their filings but other attorneys that surf cases were able to contact me in fact multiple attorneys contacted me to represent me at lease 20. With that being said I contacted Bassine Walterbach via email and certified mail and gave them my PO box so there would be no excuse for them to not contact me though my address is active. They never responded via email. However they did respond to correspondence for verification of the debt with the original creditor of which I don't believe they did but they submitted a slew of debts in their initial response however at this time I had not been served officially They gave me 30 days to respond to the alleged debt and to submit an offer however I didn't because some of the debts had been paid and some could not be verified via the name address and phone number they provided per their verification. I had attended 2 court hearings without being served and they were aware of my presence and I had submitted a request for a continuance prior to the first hearing on the first case requesting the cases be combined and have the same court date and stated the reasons why. After the first two court dates the court did schedule the cases to be heard on the same day however did not combine the cases even though in the record all the alleged debts were received the same day from the same creditor of less than {$600.00}. on one case the alleged debts dated back to the years XXXX and XXXX and were unverifiable via their source they provided to me. The other case the alleged debts dated back to XXXX or XXXX of which when they addressed me before serving me the debts owed were totally different that after they served me and it included a debt from XX/XX/XXXX that had been paid. Furthermore they were adding interest on non interest bearing accounts and it is my belief that the filing of two separate cases is to inflate the amount they could recover in a judgement because it was unnecessary to file two separate cases on such a small amount. I feel they were trying to exploit my poverty because I am poor because my bill they said they verified show payment through XXXX and only people who are retired or on XXXX get XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
i have been a customer here Am ex 30 years. In the past with other banks when we have gotten sick from food at restaurants disputed the item when the merchant does not resolve it-here i did the same thing, and got a ridiculous response. To talk to merchant which i called with no response. Both daughter and i got violently ill after XXXX XXXX meal. i do not need to have explained to me what a tort is i am in law school anyway i will now be unaable to use any of my 3 accounts i have had for years. all over XXXX dollars. this was not handled properly The restaurent was not contacted by you either i did with no response I want my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was a XXXX  XXXX  for about 7 years. I resigned from my position at the end of last year. 
Me and my spouse decided to open our own XXXX. 
Long story short I completed a withdrawal from my retirement. 
I requested a check to be mailed to me. 
The check was lost but on the retirement website stated you'll receive your funds within 10 days of the check being issued. 
It took me over a month to get my funds. 
XXXX came and went and I was already in a loan modification with Wells Fargo and if I had received my funds correctly I would not be possibly looking at a home foreclosure because i couldn't make the payments needed before XX/XX/XXXX. I informed the XXXX retirement of my concern about my home. 
Nothing they could do even me facing loosing my home. 
Nothing, no help at all. 
Now I'm left with dealing with Wells Fargo with just started a new XXXX  .The rest should be self explanatory.

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 2020-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Midland mortgage acquired my loan via XXXX which has exited the mortgage business. During the transfer my modification which was approved was ignored by Midland mortgage and Midland mortgage started their own modification and reported me late 180 days until they approved my modification. Also I have asked for my bureau report to be corrected as they continued to report me late and yet denied. I paid on the last day of XX/XX/2019 and Midland still reported me late because per Midland I was 5 minutes late paying. I paid XXXX in my time zone yet it was late in regards to their time zone

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 2020-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
In XXXX I purchased a home ( from my parents ) and Flagstar Bank took on service of my FHA Loan. They  failed to pay ALL the Real Estate tax 's leaving me to pay real-estate tax 's out of pocked to protect myself against a sheriff sale of my home. Their failure to pay tax 's stems from an understandable mistake related to certain complexities in the details of my deed. I have two parcel numbers adjoined onto a single deed. Because of the timing a peculiar error the tax 's were sent to my parents and not the bank. 

On XX/XX/XXXX and XX/XX/XXXX, following instructions on their website, I emailed them copies of the delinquency notice and requested follow up. I received an auto responder both times. 

On XX/XX/XXXX I called to inquire about the situation. I spoke to a series of Customer Service representatives before speaking to someone who understood the issue. I was assured that the issue would be taken care of and that I would be notified. 

On XX/XX/XXXX I called again to verify that the issue had been resolved. I was told that no one at Flagstar had been able to reach the county tax office and that the issue had not been resolved. 

On XX/XX/XXXX I emailed the county tax office and received a return call. I explained to them the situation and they confirmed that they could provide any documentation Flagstar Required. 

On XX/XX/XXXX I paid the delinquent tax 's and penalties to the county. 

On XX/XX/XXXX I called Flagstar to inform them that I had paid the taxes and requested that they adjust my escrow account accordingly and forward a refund for the delinquent taxes I was required to pay out of pocket. The told me that the best they could do was run a report on my account and that they would let me know the result. 

On XX/XX/XXXX I called Flagstar to find out what results they had found. The customer service agent seemed surprised by the situation. She understood what the problem was and promised to escalate the issue and assured me someone would be in touch. 

To date I have not received a response. I now have XXXX tax bills waiting to be paid.

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 2020-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I requested a consolidation of all three of my daughter 's student loans. Wells Fargo chose unilaterally to not do so and only consolidated two of the three. I have tried to fix this with Wells Fargo representatives multiple times with no success. Now, nobody at Wells Fargo is returning my phone messages and they say they will not reply to emails. There is something broken in the process at Wells Fargo. -*XXXX *XXXX XXXX ID is XXXX Date of a recent notice from Wells Fargo is XX/XX/2020 *Please remove my name and application ID prior to publishing this description Thank you, 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 2020-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Someone is calling me saying we have a case number we are looking for your location. We are sending XXXX county to pick u up. These calls need to be stopped. These people are selling personal information to different people trying to get your debit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: AR

Complaint narrative:
For the past several months I have be in touch with Experian consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Experian numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Experian has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Experian has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act.

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 2020-03-03 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 is incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
We have incorrect information being reported to the insurance companies by LexisNexis. 

This has caused a denial of coverage and an increase of over 300 $ per month in our current insurance premiums. 

It was reported that my husband was at fault for an auto accident that took place in XXXX of XXXX. This information is INCORRECT!! 

My husband was rear ended by a company vehicle. The other driver was at fault. 

The report also lists that he was involved in 2 at fault accidents on the SAME day, in XX/XX/XXXX, this is incorrect! He shut the garage door on the trunk of the car and we filed a claim to fix the dent. There was no accident, it was a comprehensive claim only for damage caused by the garage door. 

I included a copy of the insurance denials and the reason, and also a copy of the claim paperwork from the insurance company that shows the at fault party being the other driver.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I have been receiving on several instances notice in the mails an attempt to collect a debt from : Midwest Recovery Systems, LLC XXXX XXXX XXXX XXXX MO XXXX XXXX ( XXXX ) XXXX Account Balance : {$650.00} Creditor : XXXX XXXX XXXX XXXX Original Creditor : Clear Loan Loan Date : XX/XX/2020. 

I have no knowledge of this loan. Never applied for any kind of loan. This company accessed my personal information. This colletion was added to my credit history and affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Elite Financial Services, Inc.
State: TX

Complaint narrative:
Lady is calling saying we are sending XXXX county to your location. I am going to contact XXXX county to see if this is true. They are giving me a case number saying you will be picked up at work or your residence. These companies are selling my information to other people to make it look like I have a loan out. This is the XXXX XXXX and XXXX collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
It has been a nightmare to retrieve clear information on my current mortgage company since 2005 my original loan balance has sky rocket to XXXX from XXXX with no clear reason why. I am under litigation with XXXX XXXX XXXX XXXX who is suppose to be the original lender but all documents are un clear on who owns my loan. I am represented by a law firm that is protecting my intrest in my property. I requested documentation on payments history but no one has addressed my request. There are jumps of huge amounts on my credit report not showing why, unclear charges and reason. We have gone to court. Which a forclosure was set to take place and an appeal was issued. DATED WAS CANCELED AND NO NEW DATE HAS BEEN ISSUED.I have been throught 5 different mortgage services,1 XXXX  XXXX,2 XXXX XXXX XXXX XXXX, 3XXXX XXXX XXXX,4 XXXX and know 5 carrington mortgage. They report to XXXX  and XXXX  misleading Information, and inaccurate information. I have sent certified letters to the credit bureau with no resolution. I requested proof of amount due and MY complaints have not been address. Only that validatation was completeted. When I call they just tell me the orginal lender has verified the information, but when I ask how they never address my question. When I request proof they never respond. Until the information is validated and submitted for legal review I need the information on my credit report suspended and deleted. Under the fair credited reporting act unverifiable or incorrect information can not be reported

Company response to consumer: Closed with explanation