vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I recieved exception on my property taxes on XX/XX/2021 from XXXX County Auditor office through Homestead. I contacted PHH Mortgage and faxed them the certificate on XXXX and again on XXXX. I followed up with a call on XXXX and several times after that. they for whatever reason are refusing to adjust my property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts affect my credit report, please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: PA

Complaint narrative:
I received a letter from the National Commercial Services ( NCS ) debt. servicing company claiming I owe {$8000.00} for a debt owed to XXXX XXXX and XXXX XXXX. I do have a XXXX recreational vehicle policy, so I called both my regional representative and the XXXX national customer support number, and neither could find any outstanding debt. My account is paid and current. This debt is not mine. I believe NCS has made a fraudulent claim in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: NV

Complaint narrative:
There are some accounts listed on my credit that do not belong to me.

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 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: KS

Complaint narrative:
I have four accounts that were submitted to me from collections. Company name Payliance.

The checks that were written were fraud/identity theft against me. I have submitted police reports and have resolved this with local District attorney in the county that the checks were written.

Amounts {$220.00}, {$140.00}, {$120.00}, {$380.00}, Two were written on XX/XX/2020 and two on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My husband passed away suddenly without a will and no named beneficiary of the {$940.00} on his bank account. However during his illness he called the Regions bank customer service with me on the telephone and stated that he authorized me to pay his bills from his bank account. The CSR asked for me to be put on the phone to give my name and social security number which I gave. He then said that it was on the Regions banks system. I paid some of the bills from the online account that I setup, but within three weeks my husband died. Now the bank has frozen the funds. I wrote letters to the branch and head quarters about having the funds sent to me to help pay for my husbands burial. I received a message online from the bank stating that I should go to the branch with my husbands account to personally to discuss the matter. I went to the branch where my husband had his account and I told the one of the branch employees why I was at there. From the start his manner was discourteous and dismissive. He never even offered the customary courtesy of condolence for a customer who banked there for several years. Instead he quickly pushed back the copies of the death certificate and letters I wrote to the bank with a smirk and told me that there was no record of the telephone conversation on the bank 's system. He also added that my husband should have put his authorization request in writing. I told him that the Regions CSR did not tell us to put the request in writing and of course my husband and I did not know that his death would be sudden. Again the bank employee ignored what I told him about my authorization to pay from funds in my husband 's account. At that point he left briefly and came back to the office where I was sitting and laughingly told me to go to probate court for authorization and then come back to the bank. The account in question has {$940.00}. I am on a fixed SS income with new debt to bury my husband. Plus, I can not afford to hire a probate attorney at {$500.00} - {$1000.00}. I believe this situation could have been avoided had the CSR conveyed to us that the bank needed to have the authorization request in writing. Therefore, the bank should not withhold the funds due to the error on the part of their employee.

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 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My complaint regards service fees charged on my Bank of America ( BoA ) checking account.. I've banked with this institution and others it acquired since XXXX. The account was long ago set up so that if there was a combined balance of {$5000.00} or more between my various BoA accounts, no service fee would be charged and this was grandfathered in as the account shifted stewardship from XXXX  XXXX XXXX, to XXXX XXXX  and finally to BoA. Starting XX/XX/XXXX, a service fee of $ XXXX was charged due to a change of terms that I was unaware of. I have consistently kept well over {$5000.00} in combined balance at BoA, so I expected no service fee. The fee itself is well concealed in the monthly statement, first appearing buried on page 5. These monthly charges persisted till XX/XX/XXXX. The total service fees amounted to {$480.00} ( 40 months x {$12.00} ). 

I am a senior citizen. On XX/XX/XXXX, I phoned BoA customer service, and a complaint on my behalf by BoA agent XXXX XXXX. A similar complaint was filed for me by BoA agent XXXX XXXX at my local BoA branch in XXXX, MA. On XX/XX/XXXX, I followed up by talking via phone to BoA agent XXXX at an upstate NY. I asked if my complaint had received a review, but none had been issued. BoA is a major US bank, and I was highly disconcerted that on both of my XXXX and XX/XX/XXXX phone calls to customer service, the wait time before reaching an agent was over 30 minutes. This alone shows a lack of fiduciary concern. On the XX/XX/XXXX phone call, the conversation was terminated prematurely when the call disconnected after 51 minutes ( 33 of which were wait time ). The prospect of a 30 minute wait to reconnect deterred me from phoning again. 

As I have met the terms that were grandfathered in from the original account, I expect BoA to return my {$400.00} in disputed service fees. If that is not forthcoming, I expect a written review of and response to my complaint to be provided to me by BoA. I am highly dismayed at the shabby way BoA treats its account-holding customers.

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2021-09-17 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
My mortgage company with out letting me know. Changed my interest, changed the duration of the mortgage, Changed my address ( sent my bills to NJ for years ) I called them up waited for someone to answer a couple of times. Every time they hung up on me after I tell them why Im calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: IN

Complaint narrative:
XX/XX/XXXX CitiBank illegally w/d draft $ XXXX from my bank. ( I previously authorized monthly auto draft of only $ XXXX ). I'll have to explain multiple calls from XX/XX/23 to the point a pmt arrangement $ XXXX for 3 months. 
My limit is only {$2000.00}. They've now got a {$4000.00} balance on my account. I can not pay {$1.00} or the agreed amount. The account is aging & ruining my credit. They blocked my ability to receive my statements. I kept calling & finally got them yesterday, Thursday, XXXX XXXX. Based on my experience, there's been quite a bit of illegalities, sabotaged actions & unfair practices. I just wan na pay my bill, rectify/restore my credit status & rescind all the false statements reported on my account. TBDiscussed I'll need to illustrate/justify each incident. Only when I decided to backtrack & research my situation, is when I did find, it's kinda customary for them to conduct business in this way. I have 5 months of their statements & my bank statements to show damages they caused NOT ONCE but 3 TIMES they resubmitted that {$1000.00} charge. Like I told them, how r u gon na illegally charge my account, disallow me a chance to clean up my NSFs/finances for multiple other auto drafts I have, close the account ( in good standing ), victimize me & now every call ( 20+ calls ) is an impasse. HELP! PLEEZE CALL. XXXX ( I need to submit my mound of documents. Please advise? )

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 2021-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts affect my credit report, please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
They call between 30 and 50 times a day. My business phones are tied up all day long and it's affecting my customers being able to call. The person they are looking for is no longer working for me and I have told them this on multiple occasions. I do have my phone records for proof. I will keep the records and any future ones as well. If they continue to call my business I will be forced to proceed with legal action of harassment charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX I reached to the credit bureaus XXXX, TransUnion and XXXX and public record was removed from my reports i have provided them with documentation showing that this public record was removed from XXXX  and not my other reports

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have a problem between PayPal and XXXX XXXX, one of them is stealing money, I DON'T KNOW WHICH IS RIGHT BECAUSE THEY BLAME EACH OTHER. On XX/XX/XXXX I made an online purchase of {$500.00} in XXXX XXXX through Paypal with my XXXX XXXX  credit card ending in XXXX. That purchase number XXXX I never went to pick it up and then as I saw that XXXX XXXX had not me I returned the money then I asked PAYPAL AND XXXX XXXX  a dispute AT THE SAME TIME so that they would refund my money of {$500.00}. Then XXXX XXXX  sent me the money back and paypal as well ( they both gave me back {$500.00} ), when XXXX XXXX saw that I had received twice the refund money for my disputes for the same transaction, XXXX THEN DECIDED to then charge me again {$500.00} ( you can see this with the word REBILL of {$500.00} on the XXXX XXXX  statement of the card ending in XXXX ATTACHMENT TO ALL DOCUMENTS AND PROOF ). AND THERE THE ENTIRE PROBLEM BEGAN!!, PAYPAL sent {$500.00} twice to the XXXX XXXX  ( that is, to my credit card account ), and now PAYPAL is charging ME the double money they paid to my account, BUT THE BIG PROBLEM ES : I DON'T HAVE THAT DOUBLE PAYMENT!!! WHY??? BECAUSE THE XXXX XXXX TOOK IT OFF IN A REBILL IN MY CREDIT CARD CHARGING ME AGAIN {$50000.00}, AND YOU CAN SEE IT AT THE ATTACHED LETTER IT SAYS THAT XXXX XXXX  CLOSED THE CASE AND THE DUPLICATE PAYMENT THAT THEY MADE TO ME, THEY TAKEN IT FROM ME, AND SENT IT TO PAYPAL???? THEY SAID ME THAT THEY SENT IT TO PAYPAL???? BUT PAYPAL is saying that THEY DON'T HAVE THE MONEY THAT XXXX XXXX  SUPPOSEDLY SENT THEM RETURN THE {$500.00} REBILLED TO ME. SO PAYPAL IS NOW CHARGING ME {$500.00} which they said they are going to send to COLLECTION because they said that XXXX XXXX  HAVE NOT SENT ANY MONEY OR LETTER TO THEM CLOSING THE CASE, AND XXXX XXXX TOLD ME : THEY SENT THE MONEY AND THEY SENT THEM A LETTER CLOSING THE CASE, THEN WHO IS TELLING ME A LIE???? WHO DOES HAVE THE MONEY AND WHO DOESN'T???? BECAUSE THE XXXX TOOK THE MONEY TO SEND IT TO PAYPAL AND NOW PAYPAL IS CHARGING ME THE MONEY. 
SO THIS SITUATION IS PRETTY UNCONFORTABLE BECAUSE I DONT HAVE ACCESS FOR THE SYSTEM OF THIS TWO BANKS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient, XXXX, and XXXX have not sent information requested three times. Copy of signed signature promissory notes, fraud complaint forms ie incorrect balances and or interest rates. I do not owe the amounts listed on my credit report and have asked that the debt be listed as disputed with ALL credit reporting agencies until all documents requested have been received to confirm the debt and interest rates are correct. The lender has NOT produced my signed with my signature on my promissory notes. I believe that someone is changing the terms of my loans to make it appear as if I owe more than I actually do and the lender refuses to provide information confirming the terms of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HARBORONE MORTGAGE, LLC
State: NJ

Complaint narrative:
Harbor One Mortgage, LLC. My sister passed away from XXXX. I'm her executrix. Nothing but problems on closing. Neither lawyer kept me in the loop which is also upsetting. I was told closing was XX/XX/21. Didn't close until XX/XX/21. Payoff amounts wrong. Payoff didn't arrive at Mortgage co. Until XXXX. They pulled XXXX mortgage payment. Getting run around. I'm told now I must wait until XX/XX/21 at earliest for a response regarding reimbursements. They won't tell me who is responsible for extra interest on loan which was not my fault. Terrible process and almost impossible to get a person on the phone..all prompts all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX File Number # XXXX i had disputed is account with XXXX /cfpb/ XXXX XXXX this account needs to be remove out of my credit report.for the following reason XXXX XXXX didn't provide me with 30 day verification Therefore i ask XXXX politely to remove this account. this account is not reporting Accurate information is not being reported to other credit bureaus please remove from my credit report asuna possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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:
There are some accounts listed on my credit that do not belong to me.

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 2021-09-17 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: NV

Complaint narrative:
There are some accounts listed on my credit that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation