vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX, I checked my 2 times on the mobile banking app. The last time I had checked was XX/XX/XXXX at XXXX. My account did not show overdrawn at any time. My banking history does show that anytime my account is overdrawn I make a deposit right away. At this time I was charged {$35.00} insufficient fee. I think the fee was not a justified fee because my account was at a positive state on XX/XX/XXXX when I had checked even at XXXX. I requested a refund and did not receive a refund. I am also signed up for mobile alerts and did not receive alerts. I received an email the following day with the information regarding my account being overdrawn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See previous complaint XXXX on Equifax failing to set up a Fraud Alert after being notified to do so by XXXX. SEE THAT COMPLAINT FOR DETAILS ON THE ISSUES, THE INAPPROPRIATE RESPONSE FROM EQUIFAX, AND MY FOLLOW UP COMMENTS. 
1 ) I initiated a fraud alert in my account at XXXX. 2 ) XXXX notified Equifax & XXXX  to do likewise. 3 ) XXXX set up a fraud alert in my account there just 1 day later. 4 ) 18 days later, I checked my Equifax account and there was still no fraud alert on my account there. 5 ) on that XXXX day, I logged in to my Equifax account and I set up a fraud alert there and then. IT WAS NOT INITIATED BY EQUIFAX LIKE IT WAS SUPPOSED TO. 6 ) I filed a complaint to CFPB about Equifax 's failure, hoping that Equifax would quickly resolve the issue and otherwise to have CFPB provide greater oversight & lead to corrective actions at Equifax. 7 ) Equifax only provided a very lame response / no apology / no acknowledgement or commitment to fix any issues for future improvements - in their negligent eyes just a non-issue because there is now a fraud alert active in my Equifax account - WHICH I HAD TO SET UP MYSELF BECAUSE THEY HAD PREVIOUSLY FAILED TO DO SO AUTOMATICALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XX/XX/2018 amount {$69.00} company IC system XXXX. XXXX XXXX XXXX XXXX, MN 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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please forward the information to Citi. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: IN

Complaint narrative:
I sold a VA backed property in XX/XX/XXXX, Selene finance has held the money I am due from a mortgage insurance reimbursement since XX/XX/XXXX, according to 12 CFR part 1024 ( Regulation X ) 1024.34 ( b ) Refund of escrow balance ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, XXXX, and XXXX XXXX of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

it has been approx. 65 days. I have contacted the company over 13 times. and still have not received my check. with no solutions, this is a direct violation of the above federal regulation/law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I got an email - see screenshot attached - that claims I made a purchase for {$790.00} in cryptocurrency. 

I have done none of that. 

the account manager for this company does not identify themselves. 

There is a number to call to cancel the transaction. I called my bank, and paypal to assure that money was not taken and blocked any purchase for such amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I took on a covid forbearance on a loan last year. When my forbearance was ending I applied for a deferral of the payment to the end of the loan. XXXX claimed they never received this application. 
I started making payments on my loan in XXXX of 2020 after talking to them on the phone about my new plan. They said multiple times that they were so understaffed that they had no idea when my deferral application would be processed. I continued to make payments per the agreement I signed up for and verbally discussed with XXXX. 
XXXX comes after I make two payments. They start a foreclosure process. I'm charged for a BPO valuation because the systems at the bank where the foreclosure starts were not talking to the covid deferral and forbearance departments. I talk to someone again about these charges and they say again that they are so far behind that they have no idea when my paperwork for my deferral application will be processed. 
XXXX comes. I have now made 3 payments on my loan. I get a late fee because the systems still aren't talking to each other. I call and get this reversed and plead to the representative to make sure there is nothing damaging to my credit as a result of their misplaced paperwork and backlog that every other bank seems to be working through without the problems that XXXX/XXXX  now XXXX has. I am told that my application has been escalated and it might be 3-6 weeks before it is approved. I can not imagine what an application that wasn't escalated would take. 
Here comes XXXX. I get a negative credit report alert from a credit monitoring service. I am dinged for a late payment after making 4 on-time payments. I call again. I am told that there is nothing XXXX/XXXX  now XXXX can do immediately and they are going to look into this sometime within the next 30 days. My credit score has dropped 100 points and someone might do something about it in the next month. This has been escalated again, but through a new process because XXXX/XXXX now XXXX realized their old escalation process was completely ineffective and was damaging to their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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:
Hi, After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires, report is attached. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires, report is attached. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
All credit reporting agencies have phone numbers reported to you and are on their website that does not work! An automated system gives you slim choices, none of which are to take to a live person, and then it hangs up on you. How about you call the numbers that you have and see where it gets you. Why do these credit reporting companies want you to pay for services when they have to much control of your life and can but burden on you by reporting misinformation and hindering your ability to contact them. Next, how can they report my score correctly when they can't even get my employer correct? My employer is easer to find than my credit card companies. Furthermore, when you file a complaint the company you are filing against should have to show proof of what they are reporting. Lastly, for now, how can the credit reporting agencies have stock? You can not be fair if someone can have control of your company through stock. I would love to know how the government let this happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: OH

Complaint narrative:
All credit reporting agencies have phone numbers reported to you and are on their website that does not work! An automated system gives you slim choices, none of which are to take to a live person, and then it hangs up on you. How about you call the numbers that you have and see where it gets you. Why do these credit reporting companies want you to pay for services when they have to much control of your life and can but burden on you by reporting misinformation and hindering your ability to contact them. Next, how can they report my score correctly when they can't even get my employer correct? My employer is easer to find than my credit card companies. Furthermore, when you file a complaint the company you are filing against should have to show proof of what they are reporting. Lastly, for now, how can the credit reporting agencies have stock? You can not be fair if someone can have control of your company through stock. I would love to know how the government let this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Link Management, LLC
State: CA

Complaint narrative:
Someone called me from a company called " Capital Link '' stating that they were attempting to collect a debt from a PayDay Loan ( that is from over 10 years ago ) and that I already paid off. The person on the phone stated that they had my social security number. She then asked if I could elaborate more to which I responded I don't need to elaborate anything with you. I have full access to my credit reports from all 3 bureaus. I have nothing in collections and excellent credit scores. The fact that they called to " collect '' a debt which I'm either way past the statue of limitations on here in CA or I have already paid sounds extremely fraudulent and misleading. They also sent me unauthorized text messages from the same company of which I never opted in to receive texts from as well as contacted my mother 's home line and spoke to her in a threatening manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2020, I made a purchase for {$750.00} using my Chase XXXX card which is linked to my XXXX account. XXXX the purchase was made through XXXX using my Chase acct - but the complaint is against Chase XXXX. My credit card was charged right away, and the item ( that was being made overseas ) was shipped. Almost three months later, the item had still not arrived and tracking info was lost. I was concerned that the item would never arrive so I called Chase who advised me that I should probably open a dispute since I would only be able to do so for another few days from then. 

I did open a dispute and advised the merchant that I would cancel the dispute if the item arrived. The item did indeed arrive on XX/XX/2020 and I immediately called Chase to cancel the dispute. Chase re-billed me on XX/XX/XXXX and to date, the merchant still hasn't been paid. 

After calling Chase Claims dept. MANY times and finally asked that they track where my payment went. The paper trail ended with XXXX. I called and emailed XXXX claims dept and they said that in order to release the funds to the merchant, they need to be notified through Chase that the dispute has been cancelled and the case is closed. ( I tried sending the same written confirmation to XXXX but they wouldn't accept it coming from me - they need to hear directly from Chase in writing. 

I called Chase several more times to request that they notify XXXX about the cancelled dispute but they said they're unable to do so and that they already did. I repeated ( as I had during several previous phone calls to Chase ) that according to XXXX, the have NOT been notified by Chase and as far as XXXX is concerned, the dispute is still open. 

I have spent numerous hours trying to have this matter resolved. I paid {$750.00} and want the merchant to receive my money for the item that I purchased. 

PLEASE SEE SUPPORTING DOCS WHICH SHOW THE RE-BILL, DISPUTE RESOLVE CASE CONFIRMATION & MY COMMUNICATION WITH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My issue is described below in the letter that I have mailed to PHH Mortgage Services. The letter reads as follows : To Whom It May Concern, My mortgage loan was recently picked up my PHH Mortgage Services. I created an online account XXXX of XXXX and began paying my mortgage online via your website. I successfully made my XXXX and XXXX payment of XXXX. 

Today, XX/XX/XXXX, I logged onto my PHH Mortgage account and noticed that my XXXX payment had not yet been made. I tried to make an online payment, but your website stated that I could not make a payment at this time and I must call your customer service center for more information. I then placed a call to your customer service center as directed by your website. 

Your customer service representative, XXXX ID # XXXX, informed me that I could not make online or over the phone payments as an Amendment must first be signed and returned. She informed that that this Amendment is required to be signed by a new State Law. She was unable to state what new state law required this. 

I then asked why I was not informed of this change sooner and given the appropriate amount of time to sign the amendment and return before I would be locked out of paying my mortgage via online payment. She again was unable to answer my questions. She has assured me that no late payment fee would be applied for the month of XXXX, XXXX while the Amendment was being mailed to my residence which was not mailed until today. 

I am extremely upset with this process that PHH Mortgage has implemented. If I would have not logged onto my account, I would have assumed that my autopayment would have processed and never known that my XXXX mortgage payment was not paid. I am sure PHH Mortgage would then apply a late fee and report it to the credit bureau where it would have adversely affected my credit score. 

PHH Mortgage should have sent a notification to all of its customers of this change months in advance. I can only imagine how many others are experiencing this same problem and will miss their payment. 

I am requesting a phone call with a PHH Mortgage representative who has the power and authority to discuss this issue and make it right not only for myself but all of your customers. I can be reached by email at XXXX and by cell at XXXX. A copy of this letter will be sent to the Consumer Financial Protection Bureau and an official complaint filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have a account with PayPal that I havent used but once over a year of having it because of there XXXX policies well I forgot it was linked to my XXXX and had XXXX  XXXX  sent to me after getting XXXX out they locked my account and are holding XXXX of mine its been 2 months I need the funds they are trying to make me wait 6 months but after reading about others it could be longer please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter to Equifax and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 70 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 70 days these items should be deleted immediately. I demand these inquiries be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: FL

Complaint narrative:
My wife and I purchased our current primary home XXXX years ago XXXX XX/XX/XXXX XXXX, with the help of XXXX XXXX. The 3.875 % XXXX annual interest loan was subsequently sold to Provident Funding Associates, L.PXXXX ( Provident ) about a year or two later. On or about XX/XX/XXXX, after making nearly XXXX consecutive timely monthly payments, we decided to refinance with Provident, seeking a 2 %, XXXX loan to reduce our interest expense and shorten our payoff date. Along with the application, we submitted everything that was required, as confirmed in writing by a company representative. Subsequently, we received a long list of additional requirements, many of which were not pertinent, as if someone did not pay attention. We fully responded to this second set of requests, too. Unfortunately, this was not sufficient for Provident staff. They insisted that I prove the payoff of a XXXX loan for one of my three fully paid off properties. The loan in question for the sum of {$36000.00} was funded by XXXX XXXX. Though I misplaced the paperwork, this loan was paid off in XXXX and has dropped off my credit report because of how old the pay-off date was. Provident staff pulled my credit report on XX/XX/XXXX, so they are aware of this information. XXXX XXXX  was purchased by XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX, long after our commercial relationship ceased. Provident staff has refused to reach out to XXXX to confirm that there is no outstanding loan. They also refused my request to include this phantom loan in their underwriting of our refinance application. My wife and I earn $ XXXX a month, have approximately {$4000.00} in total monthly expenses, and have no debt, except a {$150000.00} balance on the loan with Provident. We also have enough liquid resources to pay-off the mortgage balance if we so desire today. Given this profile, we see no reason why we do not qualify for a refinance. We significantly have less debt now than when Provident purchased our loan from XXXX XXXX, have more assets including liquid ones, make more money, and are already on their books. Perhaps, they can come up with a justifiable reason, other than saying we asked for the application to be withdrawn in their XX/XX/XXXX denial notice, which is total fiction. Our appeals on both the telephone and in writing did not yield any fruit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
COMENITY BANK IN PARTNERSHIP WITH VICTORIA SECRET HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH COMENITY BANK AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation