vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
In early XXXX  I contacted PHH mortgage via phone to inquire about the removal of PMI ( private mortgage insurance ) on my home, as I believed due to a combination of local market trends and home renovations the home had increased in value placing it below the 78 % loan to value threshold required. They informed me via a written letter that I needed to submit a payment of {$100.00} to pay for a brokers price opinion to determine the value of the home to be considered for PMI removal. I submitted the requested payment and information and the check was deposited by PHH mortgage XX/XX/2022. This was reflected in the PHH online web portal records for my account. 

Following the deposit of that payment a third party vendor contracted by PHH, XXXX XXXX, reached out to schedule an inspection of my home for the broker 's price opinion. The inspection was performed by a contractor of XXXX XXXX on XX/XX/2022 and the final report was delivered to PHH mortgage on XX/XX/2022. ( I was informed of the XX/XX/XXXX submission date from a customer service representative of XXXX XXXX ). 

Following the submission of the XXXX report, I received no communication from PHH mortgage whatsoever and on XX/XX/XXXX I was charged for PMI on my mortgage account. After being charged for PMI again on XX/XX/XXXX, I called the PHH customer service line to inquire about the status of removal, and they confirmed receipt of the report and said that I would receive a letter within 5 business days that my PMI has been successfully removed. I received no such letter, and still have not more than 30 days later. I called again on XX/XX/XXXX to request a status update and was told they would be looking into it- but heard nothing, received no letters, and was charged again for PMI on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has stated that two of my loans have been charged off and it is showing on my credit report. One is in the amount of XXXX the other one is XXXX. I am a physician and placed these loans in a XXXX relief program. I set up payment arrangements at {$300.00} a month and they have reported that these loans are in default even though they have sold their loans to XXXX XXXX XXXX which I pay on monthly. They also sent the balances to my taxes which I had to pay {$6000.00} on. In order for a loan to go into default it has to have no payment for six months and this Was NOT the case. I have received NO phone calls or paperwork on these loans! I want them to go back and look at the notes of my wife and I calling in to make arrangements. Wells Fargo is lazy and you never get the same person on the phone twice. They make it almost impossible! I have ALOT of student loans from medical school and have NEVER defaulted on anything. I want this taken off my credit report. Wells Fargo has been in several class action lawsuits for their sketchy practices and this is NO exception! I am a physician and my credit report is taking a huge hit because of Wells Fargos shady dealings. The next step in this process is to hire an attorney.

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 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed by a XXXX XXXX XXXX XXXX XXXX, they posed as this regulated company and ended up scamming me out of XXXX USD. JPMorgan Chase Bank was the institutions from which i sent my money to the Fraudsters, Chase bank did not at one point warn me against them nor even respond to my complaints, they are completely ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: PA

Complaint narrative:
I contacted the company regarding their violations of my consumer rights by furnishing information that is not allowed by law, in accordance with the FCRA. There are accounts listed on my consumer file for XXXX  XXXX XXXX XXXX that I have disputed with the company on more than one occasion, requesting physical verification and validation of this alleged debt. I still have not received any physical verification, just a letter stating it was verified, through no proof violating 15 USC 1692g and 15 USC 1681i. I, the consumer, never ever gave and consumer reporting agencies consent to report any information concerning my accounts. Without obtaining my consent, this is identity theft. The FCRA clearly outlines what should be excluded from a consumer report, pursuant to 15 USC 1681a ( d ), income shall never be included in a consumer 's personal file. A charged off debt is a source of income in which a 1099 should be received by the consumer, and this can not be added in the consumer file. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), late payments are to be excluded from a consumer report. There are late payments showing on XXXX XXXX and XXXX XXXX XXXX, that the company refused to remove.

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 2022-08-24 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:
Previous complaint filed XXXX none of the three accounts that I have been sending several police reports and Ftc reports for two years were removed! This is a violation! I have sent police reports from two different jurisdictions XXXX XXXX  XXXX and XXXX XXXX as well as several more from XXXX XXXX. I have sent several FTC reports and affidavits for the following that you refuse to XXXX and remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also sent letter of intent to sue and also letter from XXXX stating that they have verified that IT IS ID theft and you ignored it I will proceed with legal action for this violation and also seek emotional damages since you have ignored all my cries for help to resolve this matter. 

Previous complaint filed XXXX : I XXXX XXXX XXXX Experian authorization to proceed with this complaint. This is complaint # XXXX. I am a victim of identity theft and as a result there are some accounts appearing on my credit report that are identity theft, fraudulent and unauthorized. I have attempted to submit a Block Request to Experian as well as an Identity Theft report from FTC XXXX Federal Trade Commission ) with several police reports from two different jurisdictions since XX/XX/XXXX until now to no avail. My federal protected consumer rights are being violated by Experian refusing to follow the FCRA laws and failing to open proper investigation with no documentation attached I request again remove/block theft accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. These accounts caused me to have anxiety become homeless, depressed, suicidal, and denied credit I am ready to move forward with litigation if accounts are not removed. I also asked for validation original contracts from Experian and creditors XX/XX/XXXX, XX/XX/XXXX and previous dates and did not receive it FCRA 15 U.S. Code 1692g and 1681 - Validation of debts states it must be removed if debt is not validated showing instruments it must be removed. Admission equals deletion these accounts was removed from XXXX and XXXX which means Experian has to comply. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item

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 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My identity was stolen and multiple loan and credit card applications were filled out, these companies then ran a credit check witch went agianst me as inquiries on my credit report and I would like them removed. The companies are XXXX  XXXX banking from XX/XX/2022 - XXXX XXXX from XX/XX/2022 - XXXX XXXX from XX/XX/2022. I contacted the companies and they confirmed the inquiries and informed me I had to file a report with the FTC as I am doing now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I'm being Charged Fees that caused me to be late on my Rent and Car payments. The Bank failed to do their job. From the start of this account until now. I've tried several times to correct this issue with the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP
State: OR

Complaint narrative:
Got charged interest on a zero percent interest fee. The fee itself was included in the zero percent initial rate. Then after full payment of the charge initial credit request I was charged interest for the fee even though it was wrapped within the 0 %. None of this was communicated to me. Upon followup I notified the bank this was unacceptable they proceeded to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I opened my business banking account for XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX THE MONTH OF XXXX XXXX 2022. Today XX/XX/XXXX of 2022  my account is overdrawn by {$320.00} all of NSF fees ( non sufficient ). I have not overdrawn this account since I had it this is rediculous. I am requesting to have these fees waived and for my account to be back positive. I do not have the funds to pay this right now regarding inflation, and being a single parent of 2 to pay these fees.

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 2022-08-24 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: WI

Complaint narrative:
My checking account through Bank of America was hacked. Bank of America stole XXXX from my account and sent those funds too someone XXXX Bank account. The hacker used my name got into my account and initiated the transfer and Bank of america is so dumb they can't understand and hackers are fooling the bank. Under article 4a banks are responsible to get the money back into my account and they failed to do so because this is a scam or hack whatever way you want to word it. Bottom line my bank account through bank of america was hacked and I've lost XXXX from my bank account and Bank of America has refused to put the funds back in my account and refused to stop the transaction.

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 2022-08-24 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: DriveTime
State: AZ

Complaint narrative:
My identity was stolen and multiple loan and credit card applications were filled out, these companies then ran a credit check witch went agianst me as inquiries on my credit report and I would like them removed. The companies are XXXX  XXXX banking from XX/XX/2022 - DT credit from XX/XX/2022 - XXXX  XXXX from XX/XX/2022. I contacted the companies and they confirmed the inquiries and informed me I had to file a report with the FTC as I am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022 Bank of America made a decision to close my business and my personal accounts. I opened another account elsewhere so my business could stay open, and wanted to get my funds from bank of america to my new bank. Bank of america then said that it would take 10 business days for my check to arrive in the mail with the total amount from each account that was closed. 
Its been more than 2 weeks after the checks were supposed to arrive and they dont know where the check is and it has not arrived. My check for the business account was somewhere in the range of {$22000.00}, and they said they only send tracking with amounts larger than XXXX XXXX. I asked them to cancel the checks and issue one where i could pick it up at my local branch, and they said that if they cancel the check they can only reissue the check after 120 days. 
Thats unreasonable and unsustainable for someone like me who is running a small business. Meanwhile, until my check arrives Bank of america is likely investing my money and making profits from it while delaying the return to me. How do I know that this is not being done on purpose, it feels malicious. 
I have called them at least 2-3 times per week trying to resolve this but all they say is i have to wait. That is simply unacceptable.

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 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.

S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I tried to login to the Bank of America app to find out that my account was locked. I spoke to multiple representatives on the phone and they all said that my funds would be mailed to me. No one was able to assist me on why my account was locked. I was told that it was a business decision and that my remaining funds in my account will be mailed to me. I need the funds from my account as soon as possible, so I need to be able to go to a branch and have my funds be pulled and brought to me right then and there. This whole process is very frustrating and irritating.

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 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed and attempted multiple times to remove the below incorrect personal information on my credit report. This below information does not belong to me and needs to be removed immediately with all inquiries and accounts that utilized this information. 


Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
This complaint is addressed to ZELLE and XXXX XXXX, a bank with financial interest/ownership in Zelle. 
I was scammed for {$600.00} online by an imposter impersonating a known person with a verified account ( former government employee ) on XXXX on XX/XX/2022. 
The verified account posted having a small number of XXXX  for {$600.00} which would be going to charity. In Direct messages, the person directed me to make payment thru Zelle and provided an email address of his personal assistant linked to the Zelle account XXXX. I sent payment of {$600.00} at XXXX through my Zelle account which is by default in my XXXX XXXX checking account within the app/account features. The email given was verified by Zelle ( banking information was confirmed by Zelle ). 
Within minutes of sending payment, the verified XXXX account posted that his account had been hacked. 
I immediately called XXXX XXXX to report the fraud and request stop payment. The representative completed a report to investigate. They replied days later that they will not be refunding my money. 

I then attempted to contact Zelle, and could not directly report the fraud to them because my Zelle account is through my bank. I spent almost an hour trying to contact them, and eventually found a link to submit a complaint. Zelle 's response was to thank me for submitting to protect others, but NO REMEDY for my own fraud, reported within minutes. 

My Zelle payment was sent to someone other than the intended, and I have not received any remedy to my payment or the fraudulent account linked to it. 

Banks that include Zelle within the customer banking website/app have a duty to protect their account holders from fraudulent payments. 

Zelle is an unethical operation offering no protection to it's customers. For this reason, it is the payment option of choice for fraudsters and scammers. 

Zelle needs to be held accountable for transferring money to verified bank accounts as they already have the fraudster 's information and linked banking. 

XXXX XXXX and all other banks that partially own Zelle need accountability and consumers should have protection against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: OH

Complaint narrative:
Did not recieve validation letter from CONSUMER COLLECTION XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX. Via mail or electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I did not receive validation of debt via mail or electronically.

Company response to consumer: Closed with explanation