vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
A Refinance Mortgage Application was completed on XXXX XXXX through Bank of America 's online portal and it asked the type of mortgage we were interested in and we indicated we were interested in a refinance loan with a cash out option. Bank of America pulled our credit reports after completing the application. We were then instructed to contact Bank of America for more information. Once we spoke to the loan representative over the phone, he stated since the current mortgage is not serviced by Bank of America, we were not able to apply for the cash out option, only the refinance rate option. This information is not on the online application that you have to be an existing Bank of America mortgage customer in order to apply for the cash out option. This was a hard pull of our credit which will affect our credit scores. This information should have been made very clear before applying. This is not acceptable and this information needs to be made more transparent during the application process.

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 2021-03-04 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I received letter from Sagestream llc, containing fraudulent claim that I have an account with XXXX XXXX XXXX as well as indicating very low credit score with that company. This notice did not make any sense due to I have never opened an account with above mentioned company and very well aware that I have much higher credit score. Couple of weeks prior to receiving this fraudulent notification, my personal account had unauthorized charge of the amount of {$470.00} by XXXX XXXX XXXX. I was able to stop the payment and straighten up the issue with my bank, however, after receiving fraudulent notice from Sagestream llc, it became clear that this is not only big scam establishment that purposefully lower peoples credit scores to assist banks obtain higher interests on loans/deny loans ( as evidenced by countless customers reviews as well as filed law suits ), it looks like those scammers are also provide personal information to companies to create unauthorized accounts and make unauthorized bank transactions. Be aware, that Sagestream llc has an official website where they have an audacity to offer to opt-out of their services by submitting an electronic form where you asked to provide all PI information. I have not enrolled to receive their services in the first place. Never heard of them prior the incident either. Most certainly not providing any of my PI in any shape or form. This scam has to be stopped immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Someone opened two debit accounts in my name through Chase bank and tried to overdraft money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
On XX/XX/2021, I sold my home. On XX/XX/2021, XXXX XXXX XXXX XXXX sent certified funds in the amount of {$130000.00} to Carrington to payoff the loan in full. Carrington received those funds on XX/XX/2021 via XXXX over night mail. On XX/XX/XXXX, Carrington sent the funds back to my title company with no explanation as to why the funds were being returned. The XXXX label stated that it is being returned to shipper as receiver did not order, refused ( Original receiver : Carrington Mortgage Services ). I have spoken to Carrington multiple times and they do not show that they ever received the funds to payoff my loan nor that they were ever returned. The representative also advised me that they will not accept the original funds and that the additional months interest is now due for the month of XXXX. They refuse to work with me to payoff my loan as it was the fault of Carrington that my funds were returned. 
The return funds did not reach my title company until XX/XX/2021, an entire week after the funds were sent to them to payoff my loan, therefore has now caused me to have a 30 day late on my credit report as the loan needed to be paid off in the month of XXXX. In addition, I now have to pay an additional months interest for XXXX, as this is an FHA loan. I do not feel that any of this is any fault of mine and that I should not be responsible for paying the additional months interest nor should I reported to the credit bureaus with a 30 day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to equifax for validation of debt until this debt I never received a response. The letter was notarized and I have a copy of my Id and social as well. I the. Reached out to your company. Surprisingly, the agency mentioned there was unauthorized third party. NOT TRUE, this is clearly a stall tactic by agency. They have not validated this debt and its illegal for them to continue reporting this account Im requesting deletion. Im resubmitting this after calling the customer service department of the cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: NV

Complaint narrative:
creditor reported a energy bill of XXXX, I moved from the location after separating from my ex spouse and had my service disconnected and changed to another address. Somehow the creditor was unable to collect from my spouse who walked away from the house and never disconnected the service and they then attached his bill to my bill. I have explained this to them several times. How is a utility company able to let a bill constantly increase without disconnecting the service to become this high.

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 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Last Thursday, XX/XX/XXXX of 2021, around XXXX, I tried to deposit {$3600.00}, in all XXXX dollar bills, into a PNC Bank atm located at XXXX XXXX XXXX, XXXX XXXX, KY, XXXX, United States. I am not a member at this bank but I knew of the atms feature of being able to deposit money into ones account. The atm counted the money I put into the machine correctly and proceeded to ask me to continue. Once I clicked continue the atm told me that I wasnt able to deposit money in the atm to put into my account and that I had to go to my own bank institution. However, it never refunded the money that I put into the machine. It never even gave me a decline receipt for not being able to deposit the money. I then went into the bank to talk to a manager about what happen. After an hour of trying to explain what happen to my bank, XXXX, over the phone and the PNC bank manager, I was trying to figure out how to get my money back. XXXX was telling me there was no transaction history of me trying to deposit money into my account and the PNC bank manager was telling me since I was not a member at their bank institution there was no way to check my account to see why money wasnt deposited. Once understanding that there wasnt much my bank could do for me because there was no transaction history or no data to support my claim, PNC became my only option of trying to get my money. It only makes sense, PNC bank was where I deposited my money ; their atm was what took my money and didnt give me my money back. They had my money. But the PNC bank manager said their atms are serviced by a 3rd party company. The PNC bank manager would never give me the number to their 3rd party company that services that atm either. From what the manager told me, the 3rd party company are the only ones that would know of the overage in the atm. Ive called the PNC bank customer service number off of their website and spoke to a supervisor and explained to her what had transpired and she gave me a reference number and said she would call me within 24 to 48 hours with more details on how we could resolve the situation. The incident was that Thursday, so I expected a call the next day, which wouldve been Friday, or the following Monday. I still have not received a call. Tuesday I called the PNC branch where the incident took place and gave them the reference number to see if they could find any details of what their higher ups did with the situation. However, they couldnt find anything with the reference number i gave them. They then said Id have to get in touch with consumer financial protection bureau to try to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I noticed there was fraud on my account I went in to change cards at which time I believe my whole account total balance was not transferred into my new account. Attached are receipts and bank deposits that dont coincide with the bank records as well as the balance to account is never credited nor recorded in deposits. I went in another time to make aware and was threatened to be removed from the building for bringing it up by 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 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA collections is trying to collect a debt through vip imagining llc that is not mine. I have sent them the police report and the FTC paperwork several times. I am a victim of identity theft and this account does not belong to me. I have no clue what it is even for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: TN

Complaint narrative:
I have tried to reach someone at the collection agency and failed. I have called 4 times and had to leave a message to a " XXXX XXXX '' at XXXX, ext XXXX. It always went to voice mail and never a live person. I also emailed " XXXX '' two times providing my cell phone and email address and again no one ever responded from the agency. I found an alternative number, XXXX, and got an operator. They put me on hold for 10 minutes, transferred me to a collector and put on hold again for 5 minutes. Finally after validation, put on hold again. I called back went through the process again. Finally agreed on a settlement amount. To avoid me making a payment with the assumption of settling and they not living up to their end, I asked for confirmation email confirming our agreement. They would not offer an agreement and I had to take them at their word. This is very unsettling but I agreed to it. They said upon payment I would receive an email confirmation the payment and settlement agreement. That was nearly an hour ago. I called them again and they said the system sends the emails when it gets to them. While this may not be a violation of any Federal or State law, this company customer service is incredibly terrible and giving all collection agencies a bad name.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I bought a XXXX XXXX XXXX in XXXX, Utah, I got a car loan through WELLS FARGO CAR DEALER SERVICES, now called just Wells Fargo. 9 before they used to say there were not part of Wells Fargo and that they were completely separate from them, not true of course ) I have paid my car payment all 60 months. A couple of times 2 weeks late, another time 29 days late ( XX/XX/XXXX, when my mother passed away and I was in XXXX for 6 weeks ) I paid the car off in XXXX and 30 days later received the car title through regular mail. Wells Fargo stated during the whole life of the loan that this car loan has been a " charge off " and it's entirety. That is not true. A charge off means when someone that owes money does not pay or stops paying. That had never happened. If that was the case, how come they sent me the title? How come I never had this car repossessed? How come I still have the same car? I have called them a minimum of 45 times, I have explained this to about 40 different people over the phone. Only to be put on hold and transferred and no one fixes anything. They say they will call me back with a resolution and no one does. I have wasted an incredible amount of time on this issue. I have disputed this with all credit bureaus several times. Even talked to Supervisors, " escalation teams '' to no avail. Credit Bureaus are siding with Wells Fargo even though everyone in this country knows Wells Fargo is an extremely fraudulent bank. The fact that they are reporting my car as a charge off when I have paid every month it's not only wrong, it is also a lie, it is illegal, fraudulent and corrupted it has dropped my credit score by at least 40 points. It has prevented me from renting another place to move ( because of low credit score ), it has also prevented me from getting a newer vehicle and it also due to an excessive amount of stress and anxiety trigerred an XXXX  XXXX which I will have to deal with for the rest of my life. It is called XXXXXXXX XXXX XXXXXXXX. I will have to be on medicine every day for the rest of my life. This XXXX is not curable, it's just maneagable. I have been dealing with this problem for 3 years, I have been on the phone with everyone involved an incredible amount of time to no availability. Please look into it 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 explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Once or twice a year capital one blocks my ability to conduct any kind of online financial transaction. Each time it happens I have to find the nearest branch and get an officer of the bank to fix it. I dont know why this keeps happening and the bank refuses to explain it. It happened again several months ago and I am still waiting for people ( hiding from the virus ) to return to their offices and fix the problem. 

Last week something unique in my experience happened. I found several fraudulent purchases on my account. These do not appear to be 'for profit ' purchases. They are oddly random. The most current list of fraudulent charges is : XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX The current claim number on this is : XXXX These purchases seem to have no purpose other than to drain a bank account. What makes them note worthy is that they are happening. 

If a bank suspends online use of an account shouldnt that mean that no one can use it? If the bank is preventing me from spending my own money online how is a hacker able to do it? If an individual had stolen my card/banking info ( and it could actually be used ) wouldnt they make purchases and withdraw cash for personal gain rather than such easily traceable transactions? Random purchases, that seem to benefit no one, from an account that is blocked seems more like some kind of malware attack than a robbery. It appears to me that capital one 's security has been breached. I have spoken to several bank tellers and used the phone number on the back of my debit card to resolve this problem. 

Although capital one seems to be correcting the fraudulent charges, they have so far refused to provide any explanation for the situation and at one point suggested that the whole problem is my fault. That would be a good position from which to obfuscate the situation if not for the fact that they are the ones preventing me ( and supposably everyone else ) from buying anything at all online. 
I would like to talk to this hacker just long enough to learn how this is being done so that I can use my own card again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: SC

Complaint narrative:
Franklin Collection Services XXXX I called the company on XX/XX/2021 as I noticed the collection on my report to advise that it was not mine and I had no knowledge of account services in my name. I was advised to send an e-mail and to dispute online. I did those two things and filed a report with fcr. Account is still in dispute and investigating on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA collections is trying to collect a debt through vip imagining llc that is not mine. I have sent them the police report and the FTC paperwork several times. I am a victim of identity theft and this account does not belong to me. I have no clue what it is even for

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 — Investigation took more than 30 days
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP

Complaint narrative:
Filed complaint XXXX with CFPB, including the fact that I am serving overseas with an APO address. The email response from BoA to complaint forwarded from CFPB was to email and say I need to call them during US Eastern time. 

This puts an unacceptable burden on someone stationed overseas, in my case in XXXX, about the maximum possible number of time zones away from US Eastern Time.

Plus, they assume I can easily just phone them from overseas, which can be quite expensive. 
This makes me think either 1 ) they did not actually read the complaint that states I am overseas or 2 ) they cynically use this ploy of forcing someone stationed overseas to call them during US hours on a US phone number to further disadvantage Americans serving overseas and to manufacture, for reporting back to CFPB, the lame excuse that the complaint should be closed without action since the customer did not make that phone contact in time. Or maybe worse 3 ) Thy want to get the customer on the phone, where this is no written record, so they can claim to CFPB that the complaint was adequately closed out, while not actually providing relief. 
NOTE : It is hard to simply assume noble intent of a company that I already had reason to complain about. Any company initial response demanding a phone call from the customer in order to continue the process should keep that in mind. The customer already thinks the company did something wrong, so trust is already lost, making that customer more likely to assume bad intent on the company 's part. 

Email notice from the company asking that I call : -- -- -- " Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2021, to confirm that information. My days and hours of operation are Monday through Friday from XXXXXXXX XXXX. to XXXX XXXX Eastern .... "

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