vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is against Bank of America regarding my mortgage. On XX/XX/2019, I made a payment on my mortgage in the amount of {$1100.00} through XXXX XXXX. A few days later, Bank of America returned my payment claiming that XXXX XXXX has insufficient funds. I called them immediately and organized a three-way conference call with XXXX XXXX who confirmed that the payment has been deducted and had sufficient funds on the account. I furthermore sent in proof from my XXXX statements that there were sufficient funds and no money had been returned from Bank of America. This was several times confirmed by the customer service representatives when I called in. ( My girlfriend, who listened in, witnessed these calls. ) However, it happened on several occasions that some incompetent customer service representatives did not find the documents and told me to start back at square one. This has been going on for at least ten weeks and I put in at least sixteen hours for this issue. I have always been given a deadline as to when this issue will be solved. As to this day, after the fourth deadline has passed, as I know from friends that this issue happened to other customers, that this behavior of Bank of America is grossly negligent and incompetent at best or criminal at worst. The Consumer Financial Protection Bureau needs to take adequate steps against that company. I want to be compensated for this unprofessional behavior, which is bordering criminal behavior.

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 2019-06-13 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 sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I haven't received anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my credit card accounts with no warning on XX/XX/XXXX. My credit card had a negative balance at the time due to overpayment. Wells Fargo informed me I would have the money within 1-2 business days transferred into my checking account. When the money had not arrived, I called again and they told me it would be up to 1 week. Again, I waited a week and the money has not arrived. I called the bank again yesterday, and they've told me there is now no expected resolution. They have fed me false information when I could have taken other means to transfer my money, and are now holding my money hostage. This is theft. My Wells Fargo case number is 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 2019-06-13 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX / Equifax filing this complaint due to the fact that you are in violation of the FCRA XXXX   XXXX is reporting charge off on your reporting with a balance {$5500.00} ON Charge off accounts there should be no past due payments please delete immediately and send a updated credit report XXXX did delete this account for violation of the FCRA Equifax also you are reporting date of first Delinquency as XX/XX/18 But if you look at XXXX report attached they are showing a Ok for payment so this inaccurate XXXX You are reporting missed Payments There should be no missed payment on a charged off account XXXX you are reporting a ok payment on XX/XX/2018 as Equifax is showing date of XXXX  delinquency for XX/XX/18 inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
XX/XX/2019 Select Portfolio Servicing forced a call thru our company switchboard to harass me over my account. I instructed them they are not permitted to call me at my work and requested they contact me at home. They refused and stated they will continue to harass me at my place of employment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I haven't received anything yet.

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 2019-06-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I haven't received anything yet.

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 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NATIONWIDE ACCEPTANCE LLC
State: CT

Complaint narrative:
I was denied a employment opportunity due to a charge off item as Bad Debt in the amount of {$8300.00} I contacted the creditor to arrange a payment plan. They refund to enter into an amount or agreement with me. Full payment was requested only! 

They have refused to enter or offer any repayment agreement with me for the balance other than full amount now!. This has resulted in a major job lost opportunity. 

Please review letter of explanation below. Request for payment schedule. 

OMB # 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 2019-06-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was locked out of my Equifax credit report, using there lock and alert. then when I called to get lock and alert off. Equifax said cant verify my identity, by questions they asked. and I would need to fax documents copies of ss card, birth cert.. drivers license.., and utility bill,, so I did this 3 times in 3 months. and called 4 or 5 times, and they say same thing, you will be getting a letter in mail, and I never did, and told them that. its ridiculous ... .the questions I been asked about loans and credit cards on my report I cant answer. for identity verification, so I tell them im concerned about fraud, and I need to view my report,,, 3 months later still cant view my Equifax report ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: WI

Complaint narrative:
I tried calling Direct Express myself 6 to 7 times. I was either cut off or couldn't understand the person. I called regarding two withdrawals one in XX/XX/2019 and one in XX/XX/2019 that I did not make. I went to the Social Security office for help but was told to call the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I called the XXXX and made an appointment for XX/XX/2019 On XX/XX/XXXX, I met with an Elder Benefit Specialist to call Direct Express. When she called, we were not allowed to be on speaker phone. I am hard of hearing and the accent of the person was hard to understand. The customer service rep did NOT allow the Elder Benefit Specialist to use the speaker phone. He talked to her directly and had a hard time understanding. I gave permission for the EBS to talk to the rep. the rep told her he had to call an XXXX # associated with the transaction. She was unwilling to anything else. 
I would like these charges/withdrawals that I did not make credited back to my account. I asked for a paper statement and it is being mailed. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/2018 I did a payment to the IRS with my Credit Card for an amount of {$3400.00}. This payment appears in the IRS records, but it indicates it was reversed the same day. The money was credited to my account on XX/XX/2018. However, the money was taken away from my account again on XX/XX/2018. My bank ( Bank of America ) states that this transaction did go through, and the payment should be with the IRS - yet, the IRS does not have a record of this last payment ( made on XX/XX/XXXX. ) BoA is refusing to look further into the matter, saying that the payment was made, there is nothing else they can do - however, the IRS has issued me a transcript indicating this payment was never made. 
Bank Statements from BoA and an Account Transcript by the IRS have been provided. BoA refuses to acknowledge that the payment never got to where it was supposed to go.

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 2019-06-13 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: TX

Complaint narrative:
previously sent the 3 social on file ftc was sent theyre taking more than fcra law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I spoke with Region Mortgage advised them at the begin of XX/XX/2019 that they are reporting to all three Credit Bureaus the my account is currently in past due status which is incorrect. They stated that on the 7th of each month the bureaus are updated. As of XX/XX/2019 my account because current. As of today XX/XX/2019 Regions has only updated XXXX that my account is not past due.

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 2019-06-13 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In response to my original complaint number XXXX, I can not believe American Express is so naive to think that because there's a receipt and signature that it's not a fraudulent transaction. 

Please be advised American Express : The signature is FRAUD, I never signed for it nor did I ever receive any god or services from that Merchant. I lost my card and the fraudster orchestrated al this. 

I seriously can't believe it, American Express is setting an example indicating that a fraudster only needs to sign the receipt to get away with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: MA

Complaint narrative:
I have an unauthorized credit check from Equifax XXXX  XXXX showing up on my Equifax Credit Report. I do not know who this company is and do not understand how they got my information to run credit but I have never given them permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These collections were deleted because of billing errors and are recycling as new collections ... My insurance paid them. This is in violation of the FCRA ... 

COLLECTIONS XXXX XXXX XXXX {$1800.00} inaccurate/not mine XXXX XXXX XXXX {$88.00} inaccurate/not mine XXXX XXXX XXXX {$100.00} inaccurate/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 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: IN

Complaint narrative:
On XX/XX/2019 I sent in a check to Discover Bank to be Deposit in the amount of XXXX. I had to verify my identity twice. With this bank which I had no problem doing so. Everything was good until XX/XX/XXXX when I was trying to withdraw the XXXX dollars. I called they said they closed my account and couldnt give me anymore information. So I asked could I speak with a supervisor she got on a she was very rude saying she couldnt tell me why the account was closed. But then I called today which is XX/XX/XXXX and they let me know the account is still open it just froze for security reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These account were deleted and are being recycled as new accounts by changing the collections company this illegal ... 

COLLECTIONS XXXX XXXX XXXX {$88.00} inaccurate/not mine XXXX XXXX XXXX {$1800.00} inaccurate/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 2019-06-13 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
CitiMortgage has reported & verified with XXXX XXXX that a mortgage account that went into foreclosure and should have been removed from my credit report XX/XX/XXXX due to age was brought current during a few months at the end of XX/XX/XXXX & beginning of XX/XX/XXXX when it was not. Court papers Citi Mortgage filed for the foreclosure on XX/XX/XXXX accurately reflect that the account was in default and never brought current. This account has been disputed numerous times with XXXX XXXX, most recently in XX/XX/XXXX, copies of the court papers CitiMortgage filed were included in the dispute but CitiMortgage keeps verifying incorrect information. The date of last payment is correctly shown as XX/XX/XXXX and no payments were ever made after that date. Citi Mortgage reports the account as " OK '' from XX/XX/XXXX thru XX/XX/XXXX and as of XX/XX/XXXX shows 120 days late. Their own reporting is a contradiction showing current in the 3 months preceding a report of 120 days late. Although I sent XXXX XXXX the proof that Citi Mortgage is reporting and verifying incorrect information this account is still on my report when is should have been deleted XX/XX/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 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I just received an e-mail from myEquifax telling me that they have a new way for us to monitor our security freezes. They are basically forcing us to enroll in this or risk our information being used against us AGAIN due to their very lax " security standards ''. This is very wrong and will lead in nothing but trouble. Why can't you protect us from these idiots?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I spoke with XXXX XXXX advised them at the begin of XX/XX/2019 that they are reporting to all three Credit Bureaus the my account is currently in past due status which is incorrect. They stated that on the XXXX of each month the bureaus are updated. As of XX/XX/2019 my account because current. As of today XXXX XXXX has only updated XXXX that my account is not past due.

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 2019-06-13 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: MO

Complaint narrative:
I spoke with XXXX XXXX advised them at the begin of XX/XX/ 2019 that they are reporting to all three Credit Bureaus the my account is currently in past due status which is incorrect. They stated that on the XXXX of each month the bureaus are updated. As of XX/XX/ 2019 my account because current. As of today XXXX-XXXX-2019 XXXX has only updated XXXX that my account is not past due.

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 2019-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please review the attached documentation and remove the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I did not authorize the inquires that are shown in the document below.

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 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Our loan was transferred from XXXX XXXX XXXX dba XXXX XXXX, with a large escrow shortage. We have held this loan for 2 years and 3 months of escrows were collected at closing and no changes to tax or insurance since this time. We never had a problem with the escrows until it was transferred to Mr. Cooper loan servicing. I have already got all documentation from Mr. Cooper showing that they received the loan with a large escrow shortage. I have talked on the phone with XXXX XXXX on XX/XX/2019, and on this same date faxed over a request for an investigation into the shortage. XXXX XXXX sent a letter dated the same day saying they will look into it. As of XX/XX/XXXX nothing had been done about the inquiry So I sent another fax on XX/XX/XXXX. I sent the letter they sent to us dated XX/XX/XXXX asking what has been done to solve this investigation, only to receive another letter XX/XX/XXXX that they would look into it. It has been over two months since we made our inital inquiry with no resolution. I am aware of 12 US code 2605 e-2 regarding the 30 days to receive a response and XX/XX/XXXX was well beyond the 30 days not counting weekends and holidays. We need this solved asap.

Company response to consumer: Closed with explanation