vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Repeatedly, I only elected on my XXXX for XXXX for XXXX from XXXX, but Bank of America for years now continues to operate with organized gang stalking to overcharge me monthly for that which I have never elected, {$2.00} of storage that I do not even use. 

Bank of America operates fraudulently and I have been bullied into paying this for too long and again as of XX/XX/24 it sits incorrectly charged to me as they operate with the XXXX XXXX XXXX XXXX and operatives in XXXX XXXX XXXX in XXXX XXXX New York from unit XXXX. 

Look this up as trades in manual are used to attack and sabotage innocent targeted people. I am an innocent academic who is being killed in a most unique way and harmed using not only Bank of America but XXXX as well and I hold an XXXX fico score because I have always paid my bills, but enough is enough. 

Look up the XXXX XXXX XXXX  of XXXX Massachusetts XXXX author XXXX XXXX XXXX from the XXXX on XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And so much more is written about this faction being exacted on innocent Americans. 

An electronic concentration camp for a slow 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 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2021 made a XXXX $ XXXX  transaction to an email not realizing it was a scammer. Then bought 4 gift cards of XXXX $ and sent it to the same person the same day and called the bank of america customer service and said they could not help me with refunding the money. Its really upsetting because i have never been scammed before in my life and the fact that the bank could not help me get my money back is frustrating they just locked my account and theres no way i can open it again and i need it to pay my stuff.

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 2021-04-24 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: CITIBANK, N.A.
State: TX

Complaint narrative:
CitiBank app notified me that there were multiple fraud charges on my account on XX/XX/XXXX. I locked the card, and they sent me a new one immediately. The fradulent charges were removed from my card/transactions and I was told they would review my account for any further charges. I checked my account again on XX/XX/XXXX and the charges were placed BACK on my card and were no longer marked as under investigation. The security credits were removed. I disputed the charges for a 2nd and 3rd time and also called CitiBank again. I was informed that the charges were still under review, but the security credits were taken away and that the charges would remain on my card/account until at least XX/XX/XXXX. I do expect and appreciate the investigation to be performed, but those charges should not be on my account without a security credit, as this will affect my statements, interest, etc. When I called on XX/XX/XXXX, the agent I spoke with claimed my issue didn't start until XX/XX/XXXX, despite CitiBank being the ones to send me a notification and alert me of the fraud in the first place. Some charges were before XX/XX/XXXX, but I was not notified until that day. I am also trying to improve my score and apply for another card, but I was denied an application due to this fraud issue that CitiBank is failing to resolve.

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 2021-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
This debt is not owed to UNITED REVENUE CORP by me. At no time have I ever owed any debt to UNITED REVENUE CORP . If this debt was originated with another debtor, it is the responsibility of that debtor to seek payment. To my knowledge the original debtor Texas XXXX XXXX has sold this debt to UNITED REVENUE CORP . If this is for a medical procedure or medical service that has been performed on my behalf, to sell this debt to the UNITED REVENUE CORP is a violation of HIPPA LAWS. And should be removed from my credit report. I have addressed this by disputing this with XXXX, who continues to erroneously report this account as a collection. And to date no satisfactory resolution has been implemented. I am a XXXX Veteran in a fixed income who has been negatively affected financially by the COVID-19 Pandemic. I will need this item removed from my report as it is in violation of my HIPPA rights concerning medically sensitive information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax continue to violate the Fair Credit Reporting Act by reporting RE-AGED XXXX  XXXX account XXXX. This account has been RE-AGED from XXXX to XXXX. RE-AGING account is a violation of the FCRA. I have provided additional proof documentation directly from the credit report showing the account has been re-aged. I have circled and highlighted the violations of reporting re-aged account by Equifax. This account has multiple FCRA violation by Equifax. I have documented the other Fair Credit Reporting Act violations by Equifax with this dispute. Please see attached credit report showing all FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Nationwide Mortgage Bankers, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX took 7 mortgage payments out of my bank account in 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or the company you represent. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that HUNTER WARFIELD absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In the last 8 years we have tried to get help with OCWEN and now PHH. Always denied, so we filed Bankruptcy but constantly having to refile due to them refusing to help. We paid in through Bankruptcy and brought down outstanding balance to {$290000.00}. But in reduced payments by bankruptcy, we owed XXXX, but they increased the amount due to {$210000.00} making it over XXXX owed. I have tried to talk to them and file to reduce the XXXX interest rate. I have sent them letters to take back fees and payments off so we can get a mortgage. They assessed over XXXX in expenses and payments when PHH took over last year. I begged them to help due to my husband XXXX of XXXX. He died last year in XXXX. He had a lot of health issues in the last eight years that put us so behind and because of medical bills we had to file bankruptcy. And this is the second time I filed bankruptcy to try to save the house. I am a XXXX veteran sr. Citizen and having a time understanding why these people can not help me. The amount that they want every month is way too much. They want me to pay $ XXXX  monthly for a mortgage payment. I just need help trying to save my house. Thank you very much.

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 2021-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
I woke up to my Current account being Under Review after contacting Currents support, turns out their phone lines are down because of COVID Im assuming? I then chatted with Current in the app and was told to reply to a email from the Account Services Team. I checked my email to no avail, Ive received nothing from Current regarding this ( but I have received emails regarding some new promotion Currents having ) oddly enough. Ive yet to receive a response, I messaged them on XXXX, sent numerous emails with no response. Ive reviewed complaints regarding this same issue on XXXX  website and it seems Current withholds money from their customers a lot with the same response Under Review. Ive told Current I would upload any documentation requested and have only been told to wait for this team to reply. Sorry, but its a personal bank account. We dont have 2 weeks+ to wait for a response on if we possibly can access our funds or not. This is bad business practice. When I chatted with Current I was disregarded as a customer and the chat mysteriously disconnected after requesting a supervisor on shift. 


Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: PA

Complaint narrative:
UNIFUND DEBT COLLECTION AGENCY SOLD AN ACCOUNT IN YEAR XX/XX/2006 BELONGING TO THE WRONG MAN! A XXXX XXXX XXXX XXXX BANK ACCOUNT!!! THAT WAS NEVER MINE XXXX XXXX. XXXX!! TO A DEBT COLLECTION ATTORNEY BY THE NAME OF A XXXX XXXX XXXX IN XXXX PA!! I AM REQUESTING A LETTER ASAP FROM UNIFUND STATING THEY SOLD THIS ACCOUNT BECAUSE OF THEIR HUGE GINORMOUS ERROR!! I PAID A STEEP HEFTY PRICE OF NEAR {$19000.00}!!! BECAUSE OF THEIR PURE NEGLIGENCE AND CARELESSNESS!! SELLING OF DEBT ACCOUNTS ON A SPREAD SHEET OF NAME SIMILARITIES AND VARIENCES! I HAVE NEVER HAD ANY CREDIT CARD ACCOUNTS IN MY NAME SOLD TO ANY DEBT COLLECTION AGENCIES EVER IN MY LIFE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
On XXXX I filed a CFPB complaint against this company for HIPAA violation in regards to sharing my medical information. I was informed in a response from this company as well as the original creditor XXXX XXXX XXXX on XXXX that all previous debts should be removed and deleted from my credit reports. Unfortunately this has not been the case as the debt from Ability Recovery Services is still showing on my XXXX  report in spite of all other collections from XXXX being removed. I would like for this collection to be removed and deleted from my credit file ASAP please.

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 2021-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pendrick Capital Partners
State: GA

Complaint narrative:
On XXXX I filed a CFPB complaint against this company for HIPAA violation in regards to sharing my medical information. I was informed in a response from this company as well as the original creditor Pendrick Capital Partners on XXXX that all previous debts should be removed and deleted from my credit reports. Unfortunately this has not been the case as the debt from XXXX XXXX XXXX is still showing on my XXXX  report in spite of all other collections from PCP being removed. I would like for this collection to be removed and deleted from my credit file ASAP please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom it May Concern : I am writing regarding a business checking account with Bank of America. This is now the second time that checks have been put on hold, for vague reasons on Bank of Americas part. This time, we received a letter from the bank explaining A hold was placed on your check ( s ) because check specific information indicates item may be returned.

We deposited checks from this customer a few weeks ago, and the checks were put on hold. They eventually cleared after the bank decided to hold them, also for vague, and multiple different reasons. It is counterintuitive that checks from the same customer would be held again. Especially in light of the account never having experienced bounced checks before. 

I feel as if the bank of targeting this account for some reason. I spoke with a representative last week, regarding a different account, and I was told that Bank of America has experienced a lot of fraud lately. This can be understandable in light of COVID-19 and its economic impact. However, I can not understand why this account would be targeted for check holds when it has never experienced this type of fraud to begin with. Just because there is fraud with other accounts does not mean that small business owners across the board should be looked at. 

If the law allows such a vague reason as specific information indicates item may be returned as a legitimate reason to hold a check, then a veil has been created for the bank to hide behind, without much accountability. 

In the meantime, we will be searching for banking alternatives.

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 2021-04-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XXXX, 2021 I got XXXX and requested help with my mortgage with Bank Of America. 
I then realized i did not need the help. I then called in a few days later and cancelled the request and that i will not have any problems with paying. 
I was then told by the bank not to worry about it just keep paying as i have been. 
Well come XX/XX/2021, I applied for a loan with my bank. I was denied and the reason was Bank Of America reported to the credit bureau that i was in forbearance. 
I called Bank Of America and was then told that they were going to remove it. Later that night another person from the bank calls me and claims that they made a mistake and it should of never went to collections. 
Never heard anything from them sense. I tried calling and with no luck to resolve anything. 
Bank Of America has cost me a loan and my job is at risk for having a mark on my credit report. I want a copy of my payment history. you will see i was never late. 
I also want Bank Of America to remove the forbearance immediately.

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 2021-04-25 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax didnt preform a reasonable investigation as required by the Fair Credit Reporting Act on XXXX XXXX XXXX account XXXX. Equifax didnt provide me with the proof documentation I requested proving that I was late on XXXX. 

Equifax have violated the Fair Credit Reporting Act requirements by not reporting the notice of dispute with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: ResidentCollect, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that INNOVATIVE RECOVERY INC absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX Mr.Cooper deducted 3 mortgage payments from my checking account that was not authorized. Caused my account to become negative and caused undue harm to myself and family as that was all the money we had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: ID

Complaint narrative:
I contacted JP Morgan Chase regarding a dispute I had with XXXX Essentially, XXXX  lied about what an accomodation included. The XXXX  offered accomodation was also un-sanitary with roaches and a fowl smell. We let XXXX  know the same night and left for a hotel. Spoke with XXXX  XX/XX/2020, XX/XX/2020, XX/XX/2020 and all refund requests were rejected even though we had proof. Opened dispute with JP Morgan Chase on charge, provided all the info and evidence we had. They rejected my dispute twice and will not allow me to further dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or the company you represent. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that FAIR COLLECTIONS & OUT absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

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 2021-04-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

Company response to consumer: Closed with explanation