vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2020, I tried to make a purchase on line, however the transaction was declined because i made a mistake when providing my address which is linked to the card. Shortly after, i contacted the merchant because the funds appeared withdrawn from my account. The merchant provided clear proof that the transaction was declined by American Express. Although the transaction was declined by American Express and no authorization was given to the merchant, American express claims that the transaction is still pending and won't release my funds back into my account. American Express have engaged in Florida 's Unfair Business Practices. American Express are holding these funds to enrich themselves to make money on interest. There is no excuse for them to hold these funds when the transaction was declined. I have attached an email from the merchant confirming that the transaction was declined and never authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 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: PNC Bank N.A.
State: OH

Complaint narrative:
Tried to pay money to a secured company via ACH, but said PNC Bank made a change and will not connect to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Date : XX/XX/2020Amount : {$2300.00} I filed a claim against Bank of America for {$2300.00}. 

Unfortunately, I was robbed while in XXXX. During this event my wallet and phone were stolen. Once I was able to regain a new phone. I called XXXX XXXX. Which was the app that was used to send the money. I filed a claim against the transaction with XXXXXXXX XXXX. 
After they reviewed it. I learned that XXXX XXXX was strictly a third party and Bank of America approved and sent money. 

With this new information. I contacted Bank of America and explained the situation to the fraud and claims department of Bank of America. 

On XX/XX/2020 I filed my initial claim against an unauthorized transfer on my Bank of America account. 

This initial claim was disapproved on XX/XX/2020 

I called Bank of America to gain additional information about my claim on XX/XX/2020. 

Their reasoning to denying my claim is that I did not file the claim immediately and they noticed activity on my online banking account. 

In my defense, I stated I was robbed. I was unable to get a new phone immediately. Due to the global pandemic everything is delayed. 

I told Bank of America how the activity on the account was not me. I was out of a phone for nearly 5 days. Once I got a new phone and noticed the charge. I contacted Bank of America to file a claim as soon as possible. 

I have had this account with Bank of America for over six years and I have never sent this much money before. This large amount of money was never flagged or alerted. I did not receive an email stating that money was sent. The lack of accountability Bank of America is taking is very unprofessional. 

Today,XX/XX/2020 I reopened the claim. With hopes that the additional information given will get my funds back. Im also filed a claim with occ to make sure my case is taken seriously and thoroughly reviewed.

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 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Contact by Portfolio recovery regarding a account via XXXX XXXX. Requested original information to validate debt and document claim, non has been received. 

Portfolio recovery than engaged " XXXX XXXX '' to settle this claim. Written and verbal communication to XXXX has gone unanswered. 

I also requested said reporting to credit Bureaus be removed until which time this can either be validated or resolved without answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
RE : Consumer Financial Protection Bureau & State of New Jersey Department of Banking & Insurance Complaint : Mischarged PMI ; Escrow Shortage Charges ; Escrow Late Fees Shellpoint Mortgage Servicing & XXXX Dear CFPB and NJDOBI, Please accept this as explanation of our request to file formal complaints with both the CFPB and NJDOBI against the two most recent former servicers of our primary residence mortgage, XXXX and Shellpoint Mortgage Servicing. 

As evidenced by the attached Escrow Analysis, we continued to pay monthly PMI insurance long past the required time based on attained equity in our home. We are requesting a refund of these overpayments. 

Also evidenced by the Analysis, we were being charged late fees for escrowed tax payments we were not responsible for making. These payments were entrusted to be made by the mortgage servicers so its not appropriate that we were made responsible for paying late fees incurred due to the mortgage servicers neglect in making timely payments. We are also requesting a refund of these late fees. 

Additionally, our monthly mortgage payment had increased annually for the past several years. Upon receiving the notices, we inquired as to why and were told the increases were to cover shortages in our escrow account. Were not mortgage specialists, only homeowners, but it seems reasonable to assume that its the responsibility of the mortgage company to properly forecast annual escrow requirements prior to the end of each calendar year. Likewise, although we can accept this type of error on a single occasion, this happened for many years which is unacceptable. Due to the obvious mismanagement of our PMI and the inappropriate transfer of late fees to fall under the realm of our responsibility, it seems likely that theres also something not right with the continuous annual escrow account shortages. Wed also appreciate an investigation into this matter and possibly a refund of these additional charges. 

It is important to note that we were not receiving annual escrow analysis statements from either mortgage servicer. At the request of our refinancing specialist, we recently had to call Shellpoint in the midst of the refinance process to obtain an Escrow Analysis copy. At some point in 2017, when our mortgage was still held by XXXX, we spoke with one of their mortgage specialists regarding the escrow shortages and with a request to eliminate PMI insurance. We were told we did not qualify to eliminate PMI. Knowing what we know now, that clearly that was not accurate and the information was grossly misrepresented to us. We reached our 78 % LTV and it should have been automatically removed. 

Your investigation into these matters would be greatly appreciated. 

With kind regards, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
My son deceased on XX/XX/2020 upon cleaning his apartment I found two cash app cards one for business the other for personal. I called the XXXX XXXX who stated they were cash app cards and that cash app had no contact number so I had to contact them through cash app. Which I did when I was returned an email that had no information regarding my question then I sent another email and was contacted by XXXX who sent instructions on how to proceed. So I did and no response so I email back and was told my case was closed. So I contact again through cash app and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I retrieved a free credit report from my bank. It had dropped nearly 100 points from XXXX in XXXX. I read the report and it showed an inaccurate, negative report from XXXX. I called XXXX and they stated at first that they couldn't find an account in my name but finally found a " wrote off '' debt of {$55.00} from XXXX on a landline account. I haven't had a landline since XXXX. XXXX said they would transfer me to someone who could fix the problem and the call dropped. I called Equifax to dispute. Equifax also dropped the call after extensive menus and " verification '' questions. They eventually did an " investigation '' and emailed to tell me to get the results. I got the confirmation number, and have called multiple times to try to find out the results, but whenever I call they make me step through ID verifications and never give me the result. I called twice this morning and the same thing happened. They made me enter in all kinds of information about address phone number, etc and then the customer service guy said hold for a survey and they disconnected. I have spent literally hours and hours-entire days on hold and stepping through " verification '' menus and never get the results. Meanwhile, I pulled another report from XXXX and they showed a negative ( the only negative ever ) from XXXX again.I need the dispute properly resolved and I need the results of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have used XXXX XXXX since 2013 and never had any problems recently the contacted me by email to tell me my Transunion score had dropped 10 points in the last 30 days. 
that for me was a red flag since I had not done anything in the last 30 days to warrant such a drastic drop due to covid19. Nothing had changed and I have been paying my bills regularly. I called them to find out if there was suspicious activity or Fraud the representative stated no all your payments are on time and no inquiries this year but she could not tell my why there was such a discrepancy from the other 2 Credit reporting agencies. They were reporting a score of XXXX but Transunion had dropped from XXXX to XXXX in 30 days for no apparent reason. I was truly infuriated with them. She tried to blame XXXX XXXX saying they may not be reporting it correctly and said I could pull my report from their website to see my score. She also said it was a free report. So I did. And there was nothing on my report that had changed from any previous year only de bt being paid off which is a good thing for your score. however what did happen is I read that Transunion had purchased an identity theft security company and everytime I tried to get my score because it was not on my report it would make me sign up for this service at a rate of XXXX per month. I called several times with no help. I then mentioned that I had seen information on my report from a bankruptcy that was included and that it was against the law to do that.The rep stated that everytime I dispute incorrect information on my report that it will affect my SCORE and it could go down? WHAT? that is what we are suppose to do is check our information WHY would disputing that information make our score go down? 

I believe TRANSunion is purposely manipulating scores so that when you check on it by downloading your report to see your scores they make you sign up for their protection service monthly..Everywhere I clicked to try to get my score it never told me it was XXXX or let me sign up for a one time XXXX score report. It never gave me my score for free and it always forced me to sign up for the XXXX and it never told me how much I was paying in the end either. I had to go into my profile after the sign up to see how much I had paid for my score and it was monthly XXXX for the whole service. I then had to call them back to cancel and in the end realized that XXXX XXXX was accurate and the score had dropped by 10 points to XXXX for no reason. This is a scam on the part of TRAN

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 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I have disputed the information that Credit Protection Association has put on my credit reports numerous times. I do not understand why this collection is on my account when I never owed them money and settled the debt with XXXX directly in 2019. This account needs to be deleted from my credit report. I do not owe them money and I never have owed this company money. It is showing as paid and I never paid them any money on this collection, so obviously the account is showing gross inaccuracies.

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 2020-08-05 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have been contacted by accompany called XXXX here is their website XXXX XXXX XXXX they told that they can fix my credit card interest and fix my credit credit also pay off all my credit cards balance. they sent me link to sign up with their services and got all my personal information bank logins and password, credit card logins. and in about 1 month I did not see no chance expect the closing of most of my accounts and debt my credit score is messed up because they stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Pentagon Federal Credit Union is reporting to Credit Bureaus fraudulent information about a Credit Card account that i never had. I talk to them numerous times but still reporting to the bureaus that damaging my credit file and preventing to get new credits.

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 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Filed dispute on a fee for {$110.00} due to funds sent in error to an unknown source. I alerted NFCU of this error, and they opened up a dispute, however, denied because they said that the error was my fault. They also stated that they will not credit me back the lost funds and have never done so for any member ever. Is there a way to prove this is correct as I have mentioned this case to others and they have received a credit back. I have since closed my account with NFCU due to the lack of member support I received in the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: IL

Complaint narrative:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2020-08-05 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: IL

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Viking Client Services
State: GA

Complaint narrative:
I received a letter from Viking, Inc in regards to a balanced owed for XXXX. In reference to that letter they wanted to verify the validity of debt. In that letter there was note that they would mail a judgement outside 30 days of response to if debt is owed. However, I got another letter from another company name XXXX XXXXXXXX, requiring for me to pay the same amount for debt owed under a different account number. I am concerned because I disputed this debt. I do believe that there is a balanced owed but not two companies. That is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: Midwest Recovery Systems
State: TX

Complaint narrative:
Someone elses last name keeps popping up on my credit report and bank account, dont know why or what is happening! 
It shows my first name with another last name and my name listed as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Trying to link my primary checking account with the financial following mobile/online applications : - XXXX - XXXX - XXXX PNC Bank is not authorizing these apps to be linked since Ive changed my password on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXXXXXX {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX is previous complaint filed XX/XX/2020. 

I sent a Police Report ( XXXX XXXX Sheriff 's Office ) to CACH on XX/XX/2020 per their request. 

CACH never replied to me but sent my file to : XXXX XXXXXXXX XXXX  in XXXX. 
The letter was dated from XXXX XX/XX/2020. 

XXXXXXXX XXXX XXXX  requested a completed Identity Affidavit ( they enclosed ) and I completed and mailed it ( Priority Mail ) to XXXXXXXX XXXX XXXX on XX/XX/2020. 
Again, it was sent completed and with a Police Report. 

I have heard nothing from CACH or XXXX XXXX XXXX. It is now XX/XX/XXXX and they are still reporting on my credit reports as of today. 

I have allowed extra time due to COVID, etc but I have complied with every request they have asked for. 
I am asking for this account to be resolved, removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: IL

Complaint narrative:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is a name and 4 addresses that are inaccurate. On XX/XX/20, I mailed a letter to Equifax asking to please make these changes. They did not respond and also did not make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting to Credit Bureaus fraudulent information about a Credit Card account that i never had. I talk to them numerous times but still reporting to the bureaus that damaging my credit file and preventing to get new credits.

Company response to consumer: Closed with explanation