vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am consistently charged late fees by Wells Fargo every month. 
Also when I pay on month x, it says that my " next '' monthly payment on the XXXX of month x, as if to say that I will always be late and the information post payment is not immediately updated so this perpetuates the confusion. 

Even during the pandemic I was assessed late fees! I contacted the bank on this matter and they tell me that they can only do one adjustment per year. 

I have had my mortgage with Wells Fargo since 2006 and have refinanced once with Wells Fargo also. I have always been current on my mortgage balance, Other issues I have had with Wells Fargo : - opening of account without permission - overdraft fees on debit card payment when I have never instructed the bank to go beyond available balance. 

The above mentioned issues were indeed resolved by the bank after numerous calls to customer service. 
I have never filed a complaint against this Wells Fargo but this time I feel compelled because I don't think that the bank is transparent about its practices.

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 2021-05-13 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: SC

Complaint narrative:
I submitted my first dispute on XX/XX/XXXX to the credit bureaus they replied that the fraudulent unauthorized information was verified. I then submitted another dispute XX/XX/XXXX in regards to them providing me proof on how they verified the accounts I reported were fraudulent and unauthorized. I haven received any verification or response in the past 54 days! This is absolutely unacceptable and in violation with the FCRA. I submitted a third dispute following up with their method of verification on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved the credit bureaus reporting fraudulent unauthorized accounts on my credit report. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX Equifax data breach as well had my identity stolen. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: SC

Complaint narrative:
I submitted my first dispute on XX/XX/XXXX to the credit bureaus they replied that the fraudulent unauthorized information was verified. I then submitted another dispute XX/XX/XXXX in regards to them providing me proof on how they verified the accounts I reported were fraudulent and unauthorized. I haven received any verification or response in the past 54 days! This is absolutely unacceptable and in violation with the FCRA. I submitted a third dispute following up with their method of verification on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved the credit bureaus reporting fraudulent unauthorized accounts on my credit report. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX XXXX data breach as well had my identity stolen. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.

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 2021-05-13 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: LA

Complaint narrative:
SECOND ATTEMPT!!! These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! XXXX. XXXX XXXX XXXX {$350.00} XXXX. XXXX XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX XXXX {$850.00} XXXX. XXXX XXXX {$1000.00} XXXX. XXXX {$140.00} XXXX XXXX XXXX XXXX {$870.00}

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 non-monetary relief
Consumer complaint received 2021-05-13 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: AZ

Complaint narrative:
I disputed in XXXX of 2020 unauthorized inquiries and one account marked charged off and one account I was never late on and another that does not belong to me. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company LVNV FUNDING LLC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$310.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Good evening, I received an alert from XXXX  that on XX/XX/2021 a PNC Bank account was opened using my SSN. I never opened an account with this financial institution. I immediately contacted XXXX XXXX  XXXX alert team to let them know of the identity theft/criminal activity. I also contacted the local police to file a report. On XX/XX/2021 I went to the local PNC Bank in XXXX, MD to report the fraudulent activity. I spoke with the lady at the customer service desk and told her the issue. I specifically told her that I wanted to speak with the branch manager. I was first approached by a representative who was not the branch manager. I then was met with another representative who said that she was the branch manager. I accompanied the branch manager to her office. I shared with her the serious offense and showed her the XXXX screenshots of the fraudulent activity. She asked me to put in my SSN and said that she did not see anything. I again explained to her the facts and added I have a lot of questions. Before I asked my first question, her phone rings and she begins to talk with another customer while I am sitting in her office. More than a minute goes by and she is still talking on the phone with this customer. I was so displeased by her lack of professionalism, lack of security/privacy act protocols, dismissive attitude, and sheer disrespect that I began to gather my things and proceed to leave her office. As I got up, the branch manager stops talking with the customer on the phone and asks me if I was okay. I responded that I am not okay and left. The branch manager did not answer my questions or provide me with an identity theft affidavit or anything regarding the fraudulent/criminal activity. The way she treated me was deplorable. As an honorably retired and permanently XXXX military veteran, I am extremely shocked by the XXXX PNC Bank branch manager 's action towards me and to the other customer whom she held a phone conversation with while in my presence. I request that PNC Headquarters address the unresolved criminal activity regarding the theft of my identity, address the branch manager 's unprofessional/disrespectful/dismissive treatment towards me and my fraudulent activity complaint, and address how the branch manager violated security and privacy concerns while having a phone conversation with another customer while in my presence. I will standby for further instructions to provide additional information ( PNC Bank Branch manager name, PNC Bank Customer Service name, XXXX screenshot of fraudulent activity, police report, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-05-13 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: LA

Complaint narrative:
SECOND ATTEMPT!!! These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! XXXX. XXXX XXXX XXXX {$350.00} XXXX. XXXX XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX XXXX {$850.00} XXXX. XXXX XXXX {$1000.00} XXXX. XXXX {$140.00} XXXX XXXX XXXX XXXX {$870.00}

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 2021-05-13 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: LA

Complaint narrative:
SECOND ATTEMPT!!! These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! XXXX. XXXX XXXX XXXX {$350.00} XXXX. XXXX XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX XXXX {$850.00} XXXX. XXXX XXXX {$1000.00} XXXX. XXXX {$140.00} XXXX XXXX XXXX XXXX {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$310.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I am active duty military and purchased my new construction home in XX/XX/XXXX. Lakeview XXXX serviced the mortgage from XX/XX/XXXX to XX/XX/XXXX. During that time, an associate at Lakeview XXXX contacted me about refinancing and lowering my monthly payments which were {$3200.00} ( {$2500.00} P & I + XXXX escrow ) at the time. 

I started the refinance process with Lakeview XXXX and noticed that UNIT # had been left off the address and the property tax estimate was wrong. ( Thus, I am being charged/taxed for the ten townhomes on the property instead of the one townhome that I actually purchased and live in. ) I was assured it would corrected at closing. At closing, the address and property tax estimate was still not corrected and I was told it didnt matter because the property tax parcel number was correct and the escrow would be updated. 

After closing, I noticed the address and property tax estimate still had not changed and my mortgage had jumped from {$3200.00} to {$7300.00} ( {$2400.00} P & I + {$4800.00} escrow ). I began calling Lakeview XXXX to get the address and property tax corrected. 

I paid the first months mortgage in full thinking it would be corrected. It was not. I continued calling Lakeview XXXX and nothing has changed. My address is still wrong and the property taxes are not correctly estimated more than 4 months later. I have borrowed money to keep my account current but now have less that 20 days to make another payment which has now increased to {$7400.00} effective XXXX! 

I simply can not pay a miscalculated and grossly inflated escrow amount based on a Lakeview XXXX error that they refuse to acknowledge and correct. 

I never expected that responding to Lakeview XXXX offer to refinance at a lower rate would end up being the biggest mistake of my life and force me into foreclosure.

Now, I am begging, anyone who can, to work with me to see that this is an error on Lakeview XXXX part in that their Closer did not analyze the correct property taxes and if the property taxes were properly analyzed, my monthly payment and escrow balance would be adjusted ASAP. 

I am deeply disappointed in the total lack of customer service I have received from Lakeview XXXX regarding this matter. The result has been been devastating as Lakeview XXXX has sent notices of my potential foreclosure to the Credit Bureau, Veterans Affairs, and my commanding officer, and a Notice of Default and Intent to Accelerate Foreclosure was sent to me on XX/XX/XXXX. 

Lakeview XXXX has had four months and multiple conversations regarding the facts in this case and has yet shown any willingness to correct this error!

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 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
BBVA has had website technical issues for 5 days now. I am a Simple customer who needed to transfer to BBVA since Simple closed down. I activated my account with BBVA, I tried to log in after doing so and the website says that my login was unsuccessful. I tried to reset my password ( even tho I know my credentials are correct ) and the website then says there was an error. I can not view my balance, transfer money, deposit a check or anything because I can not get into my account. I tried calling the BBVAS customer service and the call just keeps getting disconnected randomly. I tried calling a local branch but bc I am a Simple customer, they are not able to transfer any money for me like I need them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Today, XX/XX/2021 I communicated with a American Express representative in reference to number # XXXX which was provided to me during phone call. 
During the call, I stated along these lines : " Hello I am sending contacting you today regarding account numbers ending in XXXX, and as I recall, the accurate and original account balance is and should be in the amount of one thousand dollars ( {$1000.00} ). 

The primary reason for this communication is to possibly further discuss and in good faith agree upon a decided resolution regarding this matter. 
Perhaps, in the event that-not only the information that is reported is accurately verified and confirmed completely, without any informational discrepancies-the Investigation Department on behalf of AMERICAN EXPRESS is, in all fairness and understanding, and kindness willing to accept my communication and request with regards to the details mentioned earlier ; I am most certainly willing to further discuss and come to a mutual agreement in order to successfully resolve this issue. '' The company rep then proceeded with giving me a email address to a separate department within the company to send a formal inquiry, I then typed up and sent my communication to the email address provided and then received a " Address not found '' message in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company COLLECTION ( Original Creditor : COLLECTION ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I used my Chase Bank XXXX XXXX card to purchase airline tickets for two people on XXXX ( XXXX ) Airline. 
The tickets were to fly from XXXX to XXXX on XX/XX/XXXX, on to XXXX on XXXX, and from XXXX back to XXXX and XXXX on XX/XX/XXXX ( all on XXXX Airline ). 
The cost of the tickets was {$6300.00} ( {$5200.00} and XXXX Chase XXXX points ). 
XXXX XXXX cancelled our flights on XX/XX/XXXX. We did not cancel our reservations. 
Since XX/XX/XXXX, I have tried to get XXXX or Chase to refund our money and our Chase XXXX points. 
XXXX does not answer their telephone. 
Since XXXX  Airline did not provide any service for our {$6300.00}, I believe that I am entitled to a refund of my money. 
If I made an online purchase of a TV from XXXX but they delivered no product, my understanding is that Chase would contact XXXX XXXX, inquire if they delivered the purchased TV and, if XXXX could not show that they had delivered it, Chase would credit my account. 
In this case with XXXX, Chase has contacted TAP and has confirmed that TAP did not provide any service for our {$6300.00}. 
However, rather than provide a credit to my Chase XXXX account, Chase has reported to me that XXXX  has 'turned off ' Chase 's ability to credit my account. Chase periodically sends me an email which informs me that XXXX has not authorized the refund of the dollars due to me. 
Even though Chase Bank is in complete control of the Chase XXXX Points that were used to buy the XXXX tickets, Chase has also declined to reimburse me any XXXX Points. 
I do not understand why Chase has not treated this situation as it is : a merchant that has not provided a service that was purchased using Chase 's Visa card. 
At XXXX time, Chase informed me that XXXX offered a voucher for travel that could be used only in calendar year XXXX. The 'offer ' was later extended through XX/XX/XXXX. However, XXXX did not allow Americans to enter XXXX at these times. 
Since I believe that I am entitled to a return of the money I spent on the tickets that XXXX cancelled, I have declined all offers of vouchers for a future 'service. ' I have been forced to be a creditor to XXXX XXXX but with no agreement by them to ever reimburse me. I believe that I am entitled to an immediate refund of my money and Chase XXXX points. Please assist me in getting Chase to return my money.

Company response to consumer: Closed with monetary relief