vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I'm sorry to get you involved again but PHH Mortgage has lied again. 
XXXX XXXX at XXXX XXXXXXXX XXXX says that they don't own the loan. I was told in XXXX that they did. PHH Mortgage wrote me a letter XXXX XXXX to me and said the same thing. 

PHH Mortgage sent a piece of paper to Oregon Forclosure XXXX XXXX and it stated that XXXX XXXX still owes it. All this time waste and PHH Mortgage is at Fault for not having the loan paid off not me. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: IL

Complaint narrative:
Non of the major credit reporting agencies require companies reporting information regarding consumers requires any proof for reporting. I have contacted XXXX, Transunion, and XXXX. I have been told by all 3 bureaus the accounts that I have disputed has been verified by the furnisher. I asked if there was counter information to the documentation that I have provided with my dispute. I was advised there is no proof because it is an electronic process, in addition, they are not required to give me any proof. Today, after speaking to a very rude XXXX representative, I was advised that I should file a complaint against the bureaus with the CFPB.

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 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portafolio Recovery Associates LLC, try to collect a Debt that I do not owned, and i dit send XXXX certificates letters requesting a validation signed contract document or cap signature by instrument use on the date of credit approval by bank, XXXX XXXX XXXX , they fail to respond, I give them 30 days to responded with the request document, or otherwise they should remove it from the reports of the credits bureaus, and they didn't, that is a violation at FCRA,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I was served court papers from utah attorneys/ XXXX XXXX XXXX of XXXX utah on XX/XX/XXXX representing XXXX XXXX XXXX in XXXX, Utah saying I owed {$500.00} for my ToRRID credit card account but Ive never recieved any kind of notification from XXXX XXXX XXXX credit caard balance was only {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: PA

Complaint narrative:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-12-21 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: PA

Complaint narrative:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank : Lack of due diligence in verifying my identify before dispersing a fraudulent cash advance On XX/XX/2021 My gym locker was broken into on Monday XX/XX/2021 and my wallet was stolen from the XXXX  XXXX at XXXX XXXX XXXX in XXXX. I filed police report for the theft of the wallet with the XXXX police department ( Report # XXXXXXX ). My credit cards were then used fraudulently at the Chase bank at XXXX XXXX XXXX in XXXX to withdraw a {$2000.00} cash advance. I immediately contacted XXXX  XXXX XXXX notified you of the fraudulent transaction and requested a replacement card. 
On XX/XX/2021 I drove to the Chase bank ( XXXX XXXX XXXX ) and spoke in person to the bank manageXXXX ( XXXXX ( XXXX XXXX XXXX ) ) and she in turn spoke to the bank teller who performed the fraudulent transaction. She stated that the individual came into the bank and made an in person " cash Advance '' at the bank tellers counter. Although the individual did not have a PIN number for the XXXX XXXX XXXX Credit Card, the bank teller gave them the money using my stolen driver license and Chase ATM card as identification. The individual was wearing a face mask, hat and sun glasses. 
The Chase Bank Teller did not ask the individual to remove his mask to confirm his identity due to Covid. 
The Chase Bank Teller did not validate the signature provided with the one they have on file. 
The individual also attempted to change PIN numbers on my Chase accounts, which was not allowed and this flagged an alert to the teller who then sent an alert communication to other Chase branch concerning my account. I asked for a copy of this alert notification and Chase stated to was a privileged internal communication and they would not share it with me. 
In addition, the thief also attempted a {$2000.00} withdrawal from my XXXX XXXX account which was denied. I have the email notification from XXXX XXXX concerning that blocked transaction : I have also filed a police report with the XXXX police department XXXX where the credit fraud occurred ( see attached ). 
I tried working with the Chase Bank XXXX on several occasions ( XX/XX/2021 and XX/XX/2021 ) and indicated that the Bank XXXX did not perform their fiduciary responsibility by performing due diligence in verifying the identity of the person withdrawing a cash advance from my stolen credit card. They stated it was simple human error and they cant ask people to take off their masks due to Covid. They said there was nothing they could do.

I feel that Chase bank bears the responsibility for this fraudulent activity by not adequately verifying my identity before issuing the funds from my stolen XXXX XXXXXXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My debit card was stolen and my bank account was completely drained down to 50 cents. I contacted my bank for help because that is what they are suppose to do and I filed a dispute, After being promised a temporary credit to my account with in two business days I called back because I received nothing then I was told I would get it for sure in 10 business days and definitely before XXXX. Then I get a update that my claim was denied for no reason and I wont be getting a credit to my account as promised, this is a fraud claim and my money was stolen from me this is not right.

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 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
My problem with First Merchants Bank is that they do not give me receipts when I withdraw large, or any, amount of money from my checking account. Today, XX/XX/2012, I withdrew {$1900.00} from my checking account. I received an envelope with the cash in it and no receipt. This is not a new problem. On many occasions, I am offered what they call a " balance '' receipt. This does not include a record of these present transactions, it just shows my account balance. I had an issue with a credit union a few weeks back. I had deposited {$1300.00} cash into my checking there and the cashier deposited it into someone else 's account. I made a Visa payment out of that checking account after that failed deposit and I was hit with plentiful fees, fines and penalty 's! The difference here is that, I had a receipt to show the bank manager so they could rectify the problem. First Merchants will tell you that they give receipts with transactions. This is a direct lie and misinformation. Ask them to prove that they printed " ANY '' receipt for my transaction today. I don't know why they will not do it, I don't really care if they want to be green and save paper! To the local First Merchants Bank, I am considered a troublemaker for asking for receipts. I don't know why this is, they are a financial institution and receipts are their business. I have formally complained about this issue several times but nobody from the bank seems to call me or care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am sending this complaint myself to request assistance from having this account removed from my personal Credit report. I don't have any connection to any Credit Monitoring Company or any of its kind. Despite the multiple previous written requests, the unverified account still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This status is damaging my report, which would not be happening if the bureaus have investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2021-12-21 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: IL

Complaint narrative:
Non of the major credit reporting agencies require companies reporting information regarding consumers requires any proof for reporting. I have contacted Experian, XXXX, and XXXX. I have been told by all 3 bureaus the accounts that I have disputed has been verified by the furnisher. I asked if there was counter information to the documentation that I have provided with my dispute. I was advised there is no proof because it is an electronic process, in addition, they are not required to give me any proof. Today, after speaking to a very rude Experian representative, I was advised that I should file a complaint against the bureaus with the CFPB.

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 2021-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Opened an account in mid XXXX and funded this account with my XXXX XXXX bank closure. I closed because my local branch had closed. I saw Citi was giving a promotion that looked like something that would benefit me. A few days after opening I funded the account with my life savings. I also put my direct deposit and started with automatic bill paying and continued on with my normal banking. I logged on yesterday XX/XX/XXXX to see if my check was cashed by my vehicle insurance company. I then see my accounts have been blocked. I called and after 30minutes I get " We can not discuss anything in this account, it is locked and you will recieve your money when we close the account in 10 business days, good bye '' and they hung up. Frantic, I called today XX/XX/XXXX, it was the exact same story and hung up. I called my local citi bank branch who called the 800 number and later called me back stating " they will only talk to you, call XXXX extension 4 '' im thinking " great i can get the account unlocked ''. incorrect, it was the exact same story except this time it was 30-60 business days ; then they hung up. I called again today to see if anything has changed XX/XX/XXXX. Only thing i got from the call was that the account would be closed within 60 business days. I also wanted to verify the address where my money would be sent and when to expect it. They confirmed my address, but were unable to tell me when it was coming.

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 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo denied a {$5000.00} claim.. Will not help me get my money back from a dead end merchant that I can not get ahold of. I filed police reports and closed my accounts, changed my online banking info $ & got a new debit card. They state that I made no attempt to drain my account, when I specially told them to close it and lock 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 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
THE COMPANY XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.

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 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
i sent XXXX to my friend in XXXX with bofa via XXXX. couple days later XXXX informed me transaction did not go thru and it takes 90 bussines days to refund. i decided to dispute with bank of america for quick solution cause i didn't want to wait that much. bofa gave me 2000 credit for a month to fix problem. than they took it back and my account went negative. bofa decline my claim 2 times cause they recieve information from XXXX that transaction went thru. i just recieve information from XXXX that they re saying they already refund my money to bofa. they re acting like i am a fraud. i been waiting to get my money back for 90 days. i believe this two companies need to contact with ea to fix this. all information attached. ty for ur help

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 2021-12-21 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: IL

Complaint narrative:
Non of the major credit reporting agencies require companies reporting information regarding consumers requires any proof for reporting. I have contacted Experian, XXXX, and XXXX. I have been told by all XXXX bureaus the accounts that I have disputed has been verified by the furnisher. I asked if there was counter information to the documentation that I have provided with my dispute. I was advised there is no proof because it is an electronic process, in addition, they are not required to give me any proof. Today, after speaking to a very rude Experian representative, I was advised that I should file a complaint against the bureaus with the CFPB.

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 2021-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
On XX/XX/2021, I requested the original contracts and payoff amount for the student loans that are associated with my name, exchange for payment by XX/XX/2021. I did not receive a response. Therefore, I sent another letter extending the date to XX/XX/2021. I still did not receive a response. I have tried to get assistance from the credit reporting agencies ; they all have reported the information has been verified. I don't understand how they are able to get the information that I am not able to get in exchange for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.

Company response to consumer: Closed with explanation