vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster. 
Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. XXXX XXXX XXXX has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get XXXX XXXX XXXX  to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX  XXXX  a number of years ago and now I have problems with my XXXX  and XXXX. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the XXXX  campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is XXXX XXXX XXXX. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? Thank you.

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 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, My mortgage was sold to TIAA Bank from XXXX  back in XXXX XXXX. I close on my property on XXXX XXXX. I did all my closing with XXXX XXXX XXXX ( XXXX   ) My insurance policy held by XXXX XXXX XXXX was not renew since the company is not renewing in Florida. The policy expired on XXXX XXXX, XXXX. I found out just a few days before through my insurance agent. On XX/XX/XXXX, I contacted TIAA Bank to inquire about how long I had to submit a new policy. I was advised I had 45 days to do so. I was never informed that even so, the lender had the right to place a lender policy on the property. I was never informed and took the time I had to get quotes from multi companies, install my hurricane shutter so that I could get that credit. The new insurance policy started on XXXX XXXX, XXXX which I was still within the 45 days I was told I had. 
Then I received an email a few days later charging me {$620.00} for some lender placed policy on the property. On XXXX XXXX, XXXX I called to inquire what the charge was about and I was told it was because of the insurance placed policy. I stated that on my XX/XX/XXXX call, I specifically asked about this and I was told I had 45 days to submit a new policy. Since XXXX XXXX, I had been requesting the transcripts for the call placed on XX/XX/XXXX and have not received them. I have requested calls from higher management, I have requested for them to review this situation and nothing. No calls, no transcripts to prove my case, nothing. 
The charge is going to be divided into the monthly payments with the first charge now in XX/XX/XXXX. I refused to pay such amount and it should be eliminated due to the erroneous information given by their agents. 

Closing documents name the lender as XXXX, which technically and legally does not give TIAA Bank the power to placed such charge on my account. Since the loan was transferred to TIAA Bank, I did not sign any documents adhering to their terms and conditions, nor my closing documents mention anything about any other lender, other than XXXX XXXX XXXX ( XXXX  ) to have the right to place a lender placed policy on the mortgage. 

Like I have explained to the agents multiple times, if I would have being informed correctly since XX/XX/XXXX that I called to inquire about the insurance situation, I would have gone and gotten a policy that satisfied their needs and then made changes to it. 

I have tried at least 7 or 8 times, each call takes at least an hour or more and nothing has been resolved. I have asked for higher management to review the case and review the calls and nothing. 

Loan Number with TIAA Bank is XXXX TIAA Bank also claims the policy was placed on the property since XX/XX/XXXX, but documents sent by them clearly show a policy issue date of XX/XX/XXXX which does not make sense. If they placed the lender policy on the property, why didn't I get a copy just a few days after XX/XX/XXXX? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank will not allow me to link my accounts to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: COMMERCE BANK
State: MO

Complaint narrative:
A charge was made on a credit account that was already closed for inactivity. When I got the bill I sent letters advising the financial institution that the charge was fraudulent. 
The institution continued sending letters and masking phone calls and totally ignoring the letters regarding the fraudulent transaction and the billing on a closed account. 
When speaking with them on the phone they would tell me I had to report it to the fraud department. Then I would be put on old for long periods of time. 
They ae continuing to send bills and make phone calls. 

In an agreement reached by phone with their representative I paid the initial charge of {$99.00} to resolve the issue and close the account. I made that payment but the Commerce Bank is still sending me bills and calling me. 

I have never been successful in reaching their fraud department. Written communication will not reach them and when I'm transferred on a all I get put on hold and never get to talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Applied for HELOC on or around XX/XX/XXXX. I received a call from Bank of America agent reviewing my application which was basically in order. 

I was asked what the loan was for, which I replied home renovations. Then I was asked if I had started. Which I replies yes since it took about 10 weeks for Bank of America to even call me about my application. At that point the agent stated that she could not proceed with the application due to the fact that I started construction. I then stated that there was additional construction that I had not started that I would be applying the funds to. The agent said that since I was on the recording stating that I had started some construction, that she could not proceed with a loan. I asked to speak to a manager and was told - none are available. 

It is my belief that Bank of America tried to trick me in order to not approve the HELOC.

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 2020-04-28 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: IL

Complaint narrative:
Remove the items listed on my FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I wrote and sent a letter ( next day air on XX/XX/2020 ) to the Compliance Officer or credit reporting division, to request A Deletion Letter or affirmation stating that the account with CREDIT SYSTEMS INC would be removed with the credit reporting agencies. I called XX/XX/2020 to see if a decision was made and very rudely I was told " NO, that they could not accommodate this request '' ... Even though it shows " paid in full with a XXXX  Balance '', this is still affecting my credit scores among all 3 agencies. They also said " a paid in full letter was already sent out '' ..., but that was from a XXXX correspondence back from XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Comerica
State: MN

Complaint narrative:
i filed a dispute on XX/XX/XXXX my account was frozen with XXXX left in it i waited for a new card to show up when it did i went to withdrawl my funds they were gone from my account wich was locked i couldntuse it or access it .tyhey wont even take my phone calls or explain where my money wentnow my stimulus check is due to go in tonight at XXXX im afraid that to will vanisheverything was fine until i called and got thru to someone on the XX/XX/XXXXwhile i was on the phone with them my funds vanished when i asked tobtransfer my funds to another bank i was denyied this isnot the first problem in a rather long ist of problems and illegal action by direct express twords meallowing a chargeback on a frozen account new account numbers that shouldnt have happened .i belive it is malicious and discimination on there part.i think someone needs criminal charges asnd i deserve mrenumeration for my losses due to there illegal behaviour i am also filing a report with the ag office of minnesota directexpressis responsible for XXXX of my money being taken from my account ive tryed calling there phone system hangs up my calls i have no recourse im on XXXX and cant take this kind of a loss. whatever you can do to help me please do help me. thank you .XXXX  XXXX i belive this coverd most of it but the 30 hrs i spent on hold tryingto unfreeze my accountlasttime oi belive minimum wage is fair for my 30hrs on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
In response to CFPB : XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) To Whom It May Concern, RE : Focus Financial, attention to XXXX XXXX Collection Manager Direct Line : XXXX Fax : XXXX Under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA your company refused to do anything that I requested. I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question.

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its repor tin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$150.00}

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 2020-04-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$150.00}

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 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
The debt they're are trying to collect is an XXXX  & cable bill. I didn't sign up for someone used my name to get cable, I tried to tell them it is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: OR

Complaint narrative:
I have been disputing and going back and forth with Chase 's Amazon Visa card service for a few months now. I contacted the company to alert them of a charge in the amount of {$1000.00}. I made them aware that my identity was stolen and that I am a victim of the XXXX  Data Breach. I have sent emails which include a copy of my identity theft filed by the Federal Trade Commission and they still continue to state that the debt is mine. I am not disputing any other transaction on my account, only the one that I didn't make. This charge is a result of identity theft. Someone used my account to purchase tickets in my name through an airline called XXXX  XXXX XXXX. I have never heard of this airline and have never flown with them. I am simply taking measures to get the transaction removed from my account. Please make the adjustment and residual fees on my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I already have two XXXX XXXX branded cards so I had no need for a third. However, I am a frequent flyier and in XX/XX/2019, I accepted an offer to take out a Citibank Executive AAdvantage Card with the large {$450.00} annual fee because the contract guaranteed me free access for one year to their XXXX XXXX XXXX. However, all the XXXX XXXX are currently closed ( including the one here in my home base of XXXX ) and 90 % of their flights are not flying anyway. They have announced that the XXXX XXXX ( which were often packed with people at the best of times ) are unlikely to ever reopen with the kind of at-will access for which I paid {$450.00}. 

I have called Citi three times trying to get some sort of pro-rated refund based on the months I have remaining on my contract -- but Citi 's position is they are entitled to keep the entire fee. This seems like a blatantly unfair rip-off for a service they promised but are unable to deliver.

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 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am trying to link my personal checking account ( PNC Bank ) with my business checking account ( XXXX  - ( XXXX XXXX ) ) to be able to transfer money back and forth as needed. My business checking account says the problem lies with my personal checking account at PNC.

Company response to consumer: Closed with explanation