vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. XXXX XXXX XXXX  provided no initial communication within the five days of any collection attempts regarding this debt. In addition, XXXX XXXX XXXX has failed to provide any original copies of verification obligating myself to this debt. Since XXXX XXXX XXXX has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was recently the victim of an apartment sub-lease scam where I sent money to a fraudulent agent. The perpetrator was convincing and had email addresses matching the domain the apartment, with no warnings in my XXXX indicating they were from a fraudulent source.

We began email communication on XX/XX/2018, and I dispensed funds ~ XX/XX/XXXX and ~XX/XX/2018.

Our exchanges went via email and I transferred {$4000.00} ( XXXX XXXX USD ) through the XXXX   ' service on my Bank of America account, later to learn this was a fraudulent agent displaying false documentation.

I mistakenly deemed this money transfer method as safe, having placed trust on Bank of America ( 5+ year account ), the superb fraud prevention track record I'd experienced with them, and mistakenly assuming 'XXXX ' had transaction protection features such as those of XXXX. I was mistaken ; later to learn this is a salient issue.

The BoA phone assistance politely informed me two days ago they would request the perpetrator to return the funds, and that this is the sole path forward. An unlikely event.

The email and the alleged name used by the perpetrator : XXXX XXXX   <XXXX> The perpetrator 's alleged banking information : Account holder name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX   Swift Code : XXXX Bank name : XXXX XXXX XXXX  address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Home address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA 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 2018-07-18 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: NM

Complaint narrative:
XXXX XXXX and Equifax are ignoring my requests to investigate, verify and remove addresses from my credit reports/files that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: NM

Complaint narrative:
Trans Union and XXXX are ignoring my requests to investigate, verify and remove addresses from my credit reports/files 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 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase credit card had one late payment due to illness of mother and called to correct. I have a mortgage checking and savings with over 100,000 and they would not remove it from my credit report causing myself and my child hardships. If it is not removed I will remove my funds and close all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have previous filed a complaint against XXXX XXXX- I had insurance on all of my store credit cards with this bank. I had to used the protection plus insurance on my credit cards due to being sick. This company cancelled or terminated my protection plus insurance and accused me of fraud. This is totally unfair practice on their behalf. I had file an insurance claim due to XXXX, my doctor , Dr XXXX was terminated during the time I had an active insurance claim with this protection plus program, and all of this doctors patients was sent or placed with other physicians in the area. I was assigned to Dr XXXX in XXXX, Arkansas. I explained to my new physician that I had an open claim with XXXX XXXX/ XXXX XXXX XXXX and needed her to fill out the necessary paperwork to get my claim processed. Dr XXXX had a copy of most of my Medical records from Dr XXXX and filled out necessary forms for card security. At that time I was accused of fraudulent claim. And I was terminated from the program. As my medical condition became more advanced I contacted XXXX XXXX to find out what options I had on reducing my monthly payments. XXXX XXXX closed most of my store cards and reduced the credit limit on all of the other store cards that I hold from their bank. The customer service representative from XXXX XXXX, never told me a date that my payment would be due on. Ive contacted XXXX XXXX numerous of times to find out my due date on credit card payments and the customer service representative gave me several dates to pay my cards on. I am totally confused. XXXX XXXX   retaliated on me because I file a previous complaint on them and now ever month they are sending in to credit bureaus that I am 30 days late, this is totally wrong and they should be sued. XXXX XXXX refused to send me out a statement of my due dates. They have blocked my on-line access and telephone so I cant pay my bill. I have never been late with this company since I had become a customer until the customer service decided to give me false information on payment dates. After XXXX XXXX found out I had XXXX, I was terminated from XXXX XXXX and they are reporting my payments late to credit bureaus every month. XXXX XXXX also reduced the credit limits on my credit cards because my credit score dropped due to XXXX XXXX reported false information saying my credit card payments were late.

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 2018-07-18 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
A certified letter was received by Experian on XX/XX/XXXX on my behalf requesting 100 % accurate verification in accordance with the Fair Credit Reporting Act, section 609, 611. Experian failed to provide proper validation for the following accounts, XXXX XXXX # XXXX, XXXX/TOTAL CRD # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX. Experian processed by investigation electronically or through the XXXX verification process and didn't provide any original documentation obligating me the accounts listed above. Experian is in violation of the Fair Credit Reporting Act and should immediately remove the accounts in question from my Experian Credit Report. More than 30 days has passed and yet 100 % accurate verification has been provided on Experian Consumer Reporting agency.

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 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NY

Complaint narrative:
On XX/XX/2018 i sent a certified letter thru USPS to BullCity Financial Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX requesting validation of an alleged debt in the amount of {$1100.00} that they are reporting on my credit profile. The certified letter was received on XX/XX/2018 at their reception desk per USPS tracking number  XXXX and as of today XX/XX/2018 I have not received the requested information and the derogatory item still remains on my credit report. I have disputed this invalid item several times as it is not my account, and it's erroneous reporting to the Credit Bureau { s }, has a highly negative impact on my personal credit report and is affecting my credit worthiness. I understand that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, i have the right to dispute their claim and request validation of the alleged debt. I also understand that under law they have 30 days from receipt of the letter to verify this item, and that failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Attached is a copy of the letter that i sent to BullCity Financial SolutionXXXX requesting the information that I'm entitled to which I've never received and this along with the inaccurate reporting to my credit file is a direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character. I am demanding that this negative item be removed and stop reporting to the Credit Bureau { s } immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made several complaints with the CFPB last year. I spoke with XXXX XXXX regarding the promissory note being forged. XXXX XXXX spoke to me prior to her attorney at XXXX XXXX responding to my complaint with the CFPB. She told me it would be recorded and once I told her I was recording it she told me she couldn't speak with me.Though I can't make another complaint about the forged signature on my promissory note, I am going to take all the paperwork Bank of America sent me last year along with the promissory note XXXX XXXX provided and have a forensic document examiner compare my signatures. So if I'm correct, and I know I am, I am going nationwide with it. I only live 3.5 hours away from a XXXX XXXX news station that's willing to listen and look at paperwork. When you need an attorney to respond to a complaint and we spoke prior, you know there's an issue. I still have the phone with the recording. I will have every person collecting all their documents that they never received from Countrywide Bank. I am also providing documents on my applications for a HELOC, which Bank of America serviced and a refinance in which Bank of America provided the information to Countrywide Bank that I had {$23000.00} in a savings account for account number XXXX on XX/XX/XXXX and on refinance account number XXXX with Countrywide Bank on XX/XX/XXXX. Bank of America says they don't show any account for my money, and I want my {$23000.00} plus interest. You can still say your only the loan servicer but I have so many documents to prove my point. On the Final Hud-1 statement that I have for XXXX does not match the Final Hud-1 account number ending in XXXX. Where did the money go? Is that why you sold the servicing rights. As for these loans they weren't made by Countrywide Bank they were made by Countrywide Home Loans, XXXX XXXX. I have a couple of statements still and the first statement says Countrywide Bank ( HFS ) which means Held For Sale. I tried to be nice and deal with you last year, but now I'm fed up and was tired of the lies and the runaround last year from Bank of America. Unfortunately, the CFPB makes it hard to go back on old loans, and I know they accept your answer and close it. Believe me this won't be closed until I'm done. You know I believe you were part of the Countrywide Bank " Hussle. '' Maybe if I get enough people to get their paperwork the FBI Crime Fraud Unit might be  interested again.

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 2018-07-18 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: AR

Complaint narrative:
A certified letter was received by Equifax on XX/XX/XXXX on my behalf requesting 100 % accurate verification in accordance with the Fair Credit Reporting Act, section 609, 611. Equifax failed to provide proper validation for the following accounts, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX. Equifax processed my investigation electronically or through the XXXX verification process and didn't provide any original documentation obligating me the accounts listed above. Equifax is in violation of the Fair Credit Reporting Act and should immediately remove the accounts in question from my Equifax Credit Report. More than 30 days has passed and yet 100 % accurate verification has been provided on Equifax Consumer Reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital one is fraudulent, I have 3 of their credit cards, Ive contacted capital one credit card customer service and spoke to several customer service fraudulent agencies and they refused to help me and give me access to my credit cards they have blocked me from using my credit cards with their company but is charging me every month because my credit card payments are set up on direct payments through my checking account. I have given capital one enough time to make adjustments on my credit cards but they refused. They are advertising XXXX fraud on fraudulent use of credit cards. 
I explained to capital one fraud team that this problem has been on-going and they never has brought this matter to a close. Capital one restricted my credit cards but is taking money from my checking account each month to pay themselves. As I have online access capital one is also charging me monthly fees for cards I can not use. This is totally unfair practice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have disputed this debt multiple times. I need debt validation. Back in XX/XX/XXXX you all were supposed to cease collection activity and Send me some kind of proof with my signature on it showing this debt is infact mines. Because I have no knowledge of this debt it needs to be removed from all 3 credit bureaus asap n not to pop up again. Also you guys failed to send me proof n its now 2 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Company still reporting incorrect account from XXXX XXXX  that I do not owe money to.

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 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PMAB,LLC
State: NC

Complaint narrative:
Company still reporting incorrect account from pmab llc that I do not owe money to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Clarification. This complaint process forced me to select from 1 or 3 options regarding my issue ... but NONE of the options actually reflect my issue. I discovered that for a " period of time '' in XX/XX/2017, transactions appeared on my billing statement, but DO NOT appear in the online transaction details that I downloaded! And I've attached documentation regarding this. I explained this to American Express and they said that they can only see my statement - NOT the transactions details that I can see and download online. This is very, very strange to me. And to be clear, this discrepancy ONLY exists for a short window of time in XX/XX/2017. I've attached transaction details, downloaded directly from americanexpress.com and you'll notice NO TRANSACTIONS between XX/XX/2017 and XX/XX/2017. However, I've attached my American Express statements for this period and you can CLEARLY SEE transactions. I can't get American Express to explain or resolve this ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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 Account is up-to date. Payment was never late. The original lease ended on XX/XX/2018 and we have extended the lease. They did not deduct the money from the bank after the Original lease ended. We have to called them on XX/XX/XXXX and asked them to deduct the payment. We asked them to send us a letter saying all accounts is up to date with payment ( attached below ). We were informed that credit reporting is being made every XXXX of every month so they couldn't do anything about it. We then, instead, submitted a dispute to all credit bureaus but it didn't changed anything. We called back chase auto on XX/XX/XXXX and they said they said they will verify all information regarding payment with the credit bureaus. We have submitted another dispute the same day but nothing has changed after 30 days the dispute was marked as completed by credit bureaus. This should not affect my credit and you can talk to XXXX XXXX they understand it was not my fault but their fault. They have told me that credit companies can call them and they will verify that they did not send the money to be deducted from the bank and again this should be immediately removed from my records. As of the time of this writing, my credit hasn't changed. We have ended the lease this month and I have never ever been late for any payments. Please help me with getting back my credit score back to normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I have repeatedly requested copies of payments applied I have sent copies of cancelled checks for payments to XXXX that are not shown any where They keep sending the same printed report that gives no information that I am requesting. This is just a stalling tactic to continue the foreclosure. They are debt collectors and do not follow any of the laws nor does their legal counsel The property now has a Lis Pendis filed against it for a federal lawsuit to try and get them to comply with the law They respond to complaints but the response is never directly for the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MO

Complaint narrative:
I disputed on XX/XX/2018 with XXXX  about an unverified account on my credit report from an unknown company named, ERC. The reply I received was the account was verified. I sent a second letter asking them how they verified a collection account that doesn't belong to me? Then, i sent a certified validation letter to ERC on XX/XX/2018 but I have yet to hear back from the company or XXXX. The FCRA gives them 30 days to respond. Still, no response.

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 2018-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I refinanced my Wells Fargo home loan, the refi loan closed and was paid in full on XX/XX/18. On XX/XX/2018 they charged XXXX to PMI. There is no balance to cause a PMI charge, this doesnt make sense.

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 2018-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
i noticed the the company and proved them i was in XXXX when the loan was signed and it came out my report from the original company but i guess this company bought the debt.

Company response to consumer: Closed with explanation