vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
{$8300.00} was withdrawn from my checking account. 

XX/XX/2021 XXXX - {$3500.00} " Ewithdrawal '' Pin code authorized XX/XX/2021 - {$4500.00} withdrawal slip with my name printed I called chase fraud department and said there's fraud activity on my account, they said they can't see the full details at the moment and to have my call back the next day in case there's accounting errors that would resolve itself. 

XX/XX/2021 - few hours after the call with Chase - there was an ATM withdrawal of {$360.00} in the XXXX NY ( I can't see location of it anymore from my app ) according to my Chase app so I called Chase again. This time they said they'll freeze my account and look into it and credit me. 

XX/XX/2021 - Called chase bank fraud department to make the claims for the {$3500.00} and {$4500.00} withdrawal since the details finally shown up. {$360.00} was credited to my account. 

XX/XX/2021 - I created a new checking account with Chase and transferred the remaining balance to a new account. 

XX/XX/2021 - Called chase again to follow-up - agent mentioned I should be receiving a fraud packet that needs to be signed, notarized and returned to chase. 

XX/XX/2021 - received packet from chase and filled in the information regarding to the fraud. 

XX/XX/2021 - Chased reversed the credit of {$360.00} so now the " hacked '' account shows a negative balance of XXXX. 

XX/XX/2021 - Chase credited {$3500.00} and {$4500.00} to my checking account. Current balance is {$7600.00} and not the full {$8000.00}. 

XX/XX/2021 - Called chase and asked about the {$360.00} - supervisor " XXXX '' states that it was a pincode ATM transaction done in one attempt and that was the determining factor on why it was denied. I explained I never lost my card, I had it in my possession the whole time but this truly happened and it's not me. She said nothing can be done about it and that people lie all the time and that she doesn't even have access to my pincode. I'm shocked that she doesn't think something like this is possible, I'm living proof that it's possible and I'm just livid at her explanation. I went into chase bank same day to file a complaint but haven't heard anything back yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Good morning My name is XXXX XXXX XXXX. I have a mortgage with Banco Popular de PR number XXXX. The investor according to XXXX is XXXX Bank. 
I need your help as I have run out of moratorium to make late payments. I wish to be allowed more options of these payments such as modifying mortgage payments and that the amount in arrears is allowed to be put at the end of my mortgage. 
I have tried on multiple occasions to communicate with the BPPR, but they tell me that the investor XXXX bank does not give other options. They always tell me NO. They can only give me the option of payment plan. I don't want to lose or sell my house because I wouldn't have anywhere else to live. I am a person who lost his job due to the covid 19 pandemic in the year XXXX. And I was able to get a job again in XXXX. 
I am an old and sick person. In order to keep my accounts up to date I had to work overtime. I have been hospitalized 3 times in XXXX. I am tired, stressed, depressed and without any help in solving this problem. 
I feel like they're not offering me all the opportunities that have been offered to thousands of people. I have communicated on multiple occasions, but they do not really help me and what they do is send me in multiple addresses and then realize that I do not reach any solution to my problem. 
I have called legal services of XXXX XXXX XXXX XXXX XXXX. XXXX lost and mitigation XXXX, or XXXX, XXXX XXXX, XXXX XXXX Since XX/XX/XXXX. Other Numbers that I called is lost and mitigation of XXXX Bank XXXX XXXX and they said there is no mortgage or information regarding myself appear on their records. 
Please help. My email is XXXX, my number XXXX. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have an erroneous collection reported to XXXX XXXX by transunion. The collection is not on my credit file but XXXX XXXX will not remove it from their site. Trying with both companies several times has had no resolution. I have taken screen shots of this just today and it's still there with XXXX XXXX telling me they woyld correct it.

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 2021-11-04 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: FL

Complaint narrative:
I have sent 3 letters to Equifax. the first dated XX/XX/2021, the second XX/XX/2021 and the last one on XX/XX/2021. I have not received a response to my letters and today is XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: WA

Complaint narrative:
I was a victim of fraud. My credit card through citibank was used without my permission or consent. The thieves ran up my credit card to a little over XXXX even though the limit was XXXX. I contacted the creditor immediately after I filed a police report. There is a police case regarding this case. Citibank ruined my life by allowing obvious fraud to continue for months. And now they have me in collections because of their own incompetency. It shouldve been a red flag to them when there were shopping sprees. My credit is bad because I trusted them.

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 2021-11-04 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: Credit Karma, LLC
State: FL

Complaint narrative:
I have an erroneous collection reported to credit karma by XXXX. The collection is not on my credit file but credit karma will not remove it from their site. Trying with both companies several times has had no resolution. I have taken screen shots of this just today and it's still there with credit karma telling me they woyld correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
ON XX/XX/21 AT APPROXIMATELY XXXX, MY GOOD CREDIT SCORE DECREASED BY 4 POINTS. MY CREDIT REPORT IS FROZEN AND NO ALERT AS TO WHERE OR WHY THIS OCCURRED. I CONTACTED MEMBER SERVICES AT CREDIT COMPANY EXPERIAN, ONLY TO BE TOLD THEY HAD NO CLUE AS TO HOW OR WHY THIS HAPPENED. EXPERIAN ASSURED ME THAT MY ACCOUNT WAS FROZEN AND THERE HAD BEEN NO INQUIRIES ON MY REPORT. I WAS INSTRUCTED TO CALL FICO SCORE DEPARTMENT, WHOM STATED TO GET ANSWERS FROM EXPERIAN. 
I CONTACTED EXPERIAN FOR ANSWERS, ONLY TO BE TOLD MY CREDIT WAS IN GOOD STANDING AND WOULD PLACE A LOCK ON MY REPORT GOING FORWARD. HOWEVER, MY 4 POINT DECREASE HAS NOT BEEN RESOLVED OR IDENTIFIED. I EXPLAINED TO EXPERIAN I WILL ESCALATE THIS GROSS ERROR.

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 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
These aggressive, and I'd say unethical, debt collectors continue to call my home phone number, though I have contacted them directly on their website, through the XXXX XXXX XXXX, via CFPB, and by written cease-and-desist letter. They are apparently trying to contact someone who USED to have my phone number, but no longer has, as I've had this number for nearly 3 years, and am not in default on any debt. By their own admission, they do not have an account in my name, yet they will not remove my home phone number from their database. My next step will be to contact the Attorney General for my state. I've reported every call of theirs to the FTC, but the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX placed a collection account on my credit and sent me a bill in XX/XX/2021. 

I did not recognize this account/original creditor as it was for a retail card ( A Store Card which I actually have, but is issued by a bank other than the one this company represents. ) On XX/XX/2021 I submitted a debt validation letter, specifically the one found on the cfpb website requesting proof this debt was mine I received back from Midland Funding a copy of several " bills '' or statements showing my name but a different address. They DID NOT provide proof of ownership as I had requested in the cfpb letter - ie. a signature on an application. 

On XX/XX/2021 I wrote back to Midland Funding an offer to settle the bill to be rid of it, even though I do not recognize it. The offer was not accepted and Midland Funding has again contacted me demanding payment for the account. 

On XX/XX/2021 I wrote to Midland Funding again, explaining that they have NOT provided proof of ownership of the account and as such, I request that they stop contacting me and remove their entry from my credit reports. 

They have failed to remove the collection account or prove it was in fact my account. I request assistance in pursuing them for unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent 3 letters to Transunion. the first dated XX/XX/2021, the second XX/XX/2021 and the last one on XX/XX/2021. I never received responses to my first 2 letters, they responded to the letter dated XX/XX/2021 on XX/XX/2021 as if they had responded to the previous letters. They said they will not reinvestigate my disputes because they already investigated, which they have not because I have not received any response letters from them besides the one dated XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.

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 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I received a bill from the Nationwide Credit Corporation ( NCC ) stating that I owed {$100.00} to XXXX XXXX XXXX XXXX XXXX program for service date XX/XX/XXXX. I immediately responded to NCC denying this charge and sending them documentation that I did not use XXXX 's services for the XXXX school year as my son was in Middle School, where services are not even offered. In addition, the amount they quoted was not even the correct amount that XXXX charged for those services. 

XXXX XXXX schools are dubiously known for their discrimination against minorities. This is another attempt for them to extract fees from a single XXXX parent. 

I emailed the NCC administration twice ( XXXX and XX/XX/XXXX ) of their error and I received another call this week. I told their customer service representative about my email and she acknowledged that the NCC has received my email. However, she could not explain why they were still contacting me at XXXX. 

The NCC is a crooked organization. They are attempting to charge me for services I never received nor agreed to. They can't produce any documentation where I agreed to a service charge nor can they show that my son received any services for the XXXX school year. 

I am requesting that the NCC remove my name and this debt from their records immediately. I am also requesting that they do not contact me about this matter again. 

Please help in stopping this unlawful, discriminatory and unethical attempt by NCC to collect unearned fees from a taxpayer.

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 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Conserv account has been paid. 

This item paid collection account from XXXX XXXX account number XXXX paid in full XX/XX/2019 is inaccurate because I have paid off the collection account. I am requesting that the item be removed to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Back in XXXX of 2021 I was awarded grant funds from SBA in the amount of XXXX. Citi without warning disabled my account and stopped me from accessing my funds even though I pleaded with them at the time that I was in another country and was trying to get home so my daughter could get medical attention. They did not care. Once I was able to get home after borrowing money from family I received a letter in the mail that stated I had 10 days to prove my XXXX was my own. Upon me calling to submit my documents they told me it was too late and the account was going to be closed. I got the run around for 3 months even though they told me the account would be closed 30 to 60 days it took 90 days to close. They told me the funds that were granted to me were returned to the SBA and I waited for months to receive reimbursement. Finally after calling so many times Citi admitted that they still had the money even after telling me they didnt for months. I was then told that in order to get my money I would need to go to my nearest branch and pick up funds. I pleaded with them and told them there were no branches in the state of GA and that my nearest active branch was in fact in Florida XXXX Florida. After constant calling I decided to finally go and see if I could pick up the remaining of my funds of {$10000.00} The banker XXXX told me it was not possible so a trip taken for nothing I wasted hundreds of dollars and Citi reps or the company still had no mercy they then proceeded to say changing their entire story that the SBA needed to have a subpoena sent for me to get my funds or they would keep my funds indefinitely. I attempted to have this done Turns out SBA could do nothing for me. As they have stated many time the money is supposed to be sent back to the treasury then to them once declined by the bank. No one could understand why Citi held on to my funds the way they were doing they never had any real answers as to why my accounts were closed but still had not sent my money even though the accounts are literally closed and they stated if I did not get subpoena they keep my funds indefinitely. This has been the worst experience of my life and I want justice I'm tired of calling speaking to their rude nonchalant representative who are just so nasty. I want justice I want my money and I want compensation that I spent months and months trying to make it without the money that was awarded to me! I need that money now and needed it then!

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 2021-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
According to my credit report i have a Sears CC since XXXX ( see information below ), but i don't recall ever opening a cc for this store. I don't really shop at Sears. However, the CC still shows in my report. 

SEARS/CBNA Account # XXXX Balance : {$0.00} Opened : 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 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My niece XXXX XXXX needed me XXXX XXXX to cosign with XXXX XXXX Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX. When I closed the account XX/XX/2021, the Rep at XXXX stated my niece will not have any problems continuing to make the payments. 
As you know the COVD came and many things were going on in banks, losing workers etc. My niece had trouble making several of the payments this year. For the last 6 or 7 months, each time my niece or I spoke to a Rep, we would both either get hung up on, transferred and the phone got disconnected. They refused to let us speak to any supervisor when it was requested. Me and my niece called individual times. As a result of poor Customer Service, giving misinformation or no information at all. My credit report changed from XXXX to XXXX. I received letters from my credit card card companies canceling my credit card. I can not refinance my house or even rent a XXXX. Because my niece was having problems with her bank and XXXX so the payments were late. THey never told me nor my niece about the COVD hardship that could have resolved all our problems and my credit report would not be damaged. I tried to call today and from XXXX to XXXX. I called 7 times. Spoke to 7 people who I either hung up on me, transferred me than the call dropped. This is not fair. My niece is not knowledgeable in finances so I never knew what she was going thru until I received my credit report showing a drop from XXXX to XXXX. And it dropped even lower. Every Rep refuses me to speak to a Supervisor. They refuse to give me a direct number to the hardship dept and everytime they transfer me. The call drops. This is not fair. I had perfect credit. Now my life as a XXXX XXXX is destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am a Client of BBVA Compass Bank. This bank was acquired by PNC Bank. 
PNC bank sent notice that the new portal will have all our accounts transferred on XXXX. 
Schedule - published XX/XX/XXXX - Friday XXXX - Online and mobile access not available XX/XX/XXXX - Tuesday Transfered to PNC Bank and start using PNC Bank . 

Unfortunately nothing happened. 

XX/XX/XXXX - onwards - No access to accounts online or thru app.. 
XX/XX/XXXX or XXXX have access to personal account called virtual wallet and another business account that is not much used. 

No access to my main accounts and funds.. or the bill pay for paying bills. 

phones didn't work. current branch in XXXX is overwhelmed by crowd a no one is having access. We were asked to come back XXXXFriday again went to bank and after waiting for an hour, they asked me to fill the form with all the bank accounts that i need access and they would then link them. - XXXX time 3-4 days No response or change - no response to calls. 
XX/XX/XXXX - No access and no response from bank XX/XX/XXXX - called again - Still no access to bank. This time they asked me again to give them the account details so they can link. 

MEANWHILE ALL NY PAYMENTS FROM BILL PAY ARE DELAYED AND I DONT HAVE ACCESS TO MY BUSINESS ACCOUNT FROM XXXX ONWARDS. 

Auto payments to bills worked fortunately. 

XX/XX/XXXX - ACCESS TO ACCOUNTS BUT NO BILL PAY DATA. 
Now they are telling me that i have to enter all the data again. I complained to the supervisor and they said the super visor will call me - No response since 2 days. 

Please help. 
I don't have access to the bill pay nor do i remember the 40 -50 accounts that i setup. nor do i have the time to enter it all again.. 

Absolute horrible service by the bank and holding us hostage by not giving us access to our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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:
I paid XXXX XXXX XXXX , a charged-off account, in full, on XX/XX/2021, in the amount of {$2100.00}. 
Despite repeated disputes being filed with Experian, the credit bureau, the original creditor, and the third-party collection agency are all delaying the reporting of the account as having a XXXX balance. 
Experian 's systems do not work, despite me paying them {$24.00} per month. 
It is wrong for an American citizen to pay a debt in full, only to have a balance continue to show as outstanding. This is wrong, and I'm not going to take it any more.

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 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Im trying to close 5 accounts

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