vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-25 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
First National Bank Checking XXXX On XX/XX/XXXX I received a phone call from the bank. I was told that there were two withdrawals fraudulently made for a total of {$500.00}. 

XX/XX/2018 XXXX ATM WTD XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ATM ( {$200.00} ) XX/XX/2018 XXXX ATM WTD XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ATM ( {$300.00} ) I went to the bank branch office immediately and filed a claim. The bank deposited {$500.00} into the account. 

On XX/XX/18 the bank withdrew the {$500.00} out of the account. I called XXXX. The person in the call center could not reverse the withdrawal or tell me the reason that the funds were withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The following inquires are on my credit report without my permission and the credit bureaus will do nothing about them : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The following inquires are on my credit report without my permission and the credit bureaus will do nothing about them : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2018-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
BELOW ARE INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2018-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I logged on to citibank to make my XX/XX/XXXX payment. When making my payment I noticed that my min payment was higher than my XXXX min payment. This didn't make sense to me as my principal balance should be going down and my min payment should be less than. 

I logged into my statement and was shocked to learn that my interest rate is at 7 % - When I applied for the promotion offer it was at 1.99 % and this rate was do to expire in XXXX. 

Please explain in writing and in writing only why my rate is higher than I was offered along with my min payment going up every month. 

Thank you XXXX 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 2018-08-25 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: PA

Complaint narrative:
For approximately 2 consecutive months, or, since XX/XX/XXXX, I, XXXX XXXX have telephoned Experian and XXXX   Credit Reporting Agencies regarding a Charged-Off Account from XXXX XXXX XXXX ( Credit Information Furnisher ) that contained inaccurate information, or two different amounts owed on this alleged debt. I also contacted XXXX XXXX XXXX   regarding this matter. The multiple Disputes have gone unaddressed in terms of Deleting this Negative and Inaccurate Information from my credit reports. Both credit reporting agencies have allowed XXXX XXXX XXXX  to report or to up-date negative and inaccurate information about this account when in fact XXXX XXXX XXXX claims to have Sold the Account and transferred all Documentation regarding this Account to XXXX XXXX/COLLECTIONS AGENCY AS OF XX/XX/XXXX.

Note : Please see the attached letters for more explanatory details regarding this gross Credit Reporting problem as the Negative reporting of inaccurate information is very hurtful and harmful to my Credit Score!

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 2018-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: PA

Complaint narrative:
The Company Listed below has kept an alleged debt they say I owe on my credit report well over the Florida Statute of Limitations. Mortgage Foreclosure debts remain on ones credit for 5 years F.S 95.11 All other debts ( rent, utilities, health clubs, etc ) fall under the catch-all limitations period of 4 years F.S 95.11 ( 3 ) ( p ) Both of these Statutes have been violated by Hunter Warfield a Revenue Recovery Service located in XXXX Florida. I have filed a dispute through XXXX. This debt continues to remain on my credit which is causing damage to my credit report, for which I file this claim. According to the Fair Credit Reporting Act, they are willfully including inaccurate information on my credit report. 

This company is in direct violation. For which I file this claim to remedy this matter promptly. The information is listed below. 


HUNTER WARFIELD XXXX XXXX XXXX XX/XX/2012 {$2200.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

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 2018-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
It is absolutely frustrating and painful that after two and a half years of constant request of a work out plan, I get no resolution to benefit my family.

Just to familiarize you with my hardship : I am a single parent with XXXX children. It all began when in XXXX I requested a work out plan from Shell point.

I had lost my business after losing two major contracts and due to a fall disable for several months. This has been a horrific experience.

I immediately reach out to Shell Point servicing and explained my situation. It was then that I was told to prepare loan modification package and explain my hardship. I have provided over six packages to Shell point services and XXXX and XXXX attorneys for Shell point. I attended all settlement conferences in court. On XX/XX/XXXX at my conference appearance Shell point requested I provide a P & L. On XX/XX/XXXX I was advice of another conference scheduled for XX/XX/XXXX. 
All documents then were submitted. 
On XX/XX/XXXX I called XXXX XXXX XXXX 's office and confirmed documents were received.. 
It was on XX/XX/XXXX that I found out that Mr. XXXX XXXX was my point of contact .. Mr .XXXX was contacted again on XX/XX/XXXX requested the same documents. This went on and on. I have evidence that and feel that I was given the run around. I FEEL THEY NEVER ACTED IN GOOD FAITH. I HAVE NOW OBTAIN AN ATTORNEY IMMEDIATELY AFTER FOUND OUT MY HOME WS SOLD TO TH E BANK .I WAS IN THE MIDDLE OF A LOAN MODIFICATION PROVIDING UP DATED PAPER WORK, I AM PLEADING THAT THEY ALLOW ME TO KEEP MY HOME. I WANT MY HOME BACK PLEASE. I AM CONFIDENT that I am able to afford my home now. 
My monthly average income is {$50000.00} a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXXthere were two hard credit inquiries. 
One for XXXX XXXX One Another for a XXXX card. 
That was not me I lost my social and Id about a month ago I didnt put a freeze on my crediybecause I figured I would find them.

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 2018-08-25 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: KEYCORP
State: AZ

Complaint narrative:
In XX/XX/XXXX, Key Bank 's website was down when i tried multiple times to make my payment ( {$620.00} ). I spoke with a customer service representative about it and they told me they would " bullseye '' the 30+ days past due on my credit report. It is nowXX/XX/XXXX and it is still reporting 30+. I have spoken to multiple people at Key Bank as well as sent SIX credit dispute letters/emails. Key Bank has not acknowledged ANY of my correspondence. If you look at my payment history, you will see I have never been late in the ten years since I opened the account. Please help!!! 

I have attached the most recent correspondence sent to Key Bank. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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: VA

Complaint narrative:
I have contacted Equifax several times regarding an account that does not belong to me and was not authorized by me. I have been a victim of identity theft and provided Equifax with a police report explaining the account was fraudulently opened up. I have also contacted the company directly and they have acknowledged the account was fraudulent and have released me from the obligation of paying it. I forwarded this letter for deletion directly to Equifax along with my police report, social security card, passport, utility bill and cover letter and they continue to inaccurately report this account on my credit report. I demand that they remove this fraudulent account from my credit report. The company has agreed to remove the file from my report, the police report explains I have been a victim of identity theft and Equifax still refuses to remove the account. Account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
My promotional interest rate on this is not correct. It should be 1.99 % it is not. I only recently learned of this while investigating my other card.

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 2018-08-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Today on XX/XX/2018, I attempted to dispute inaccurate addresses online with the credit bureau Experian. I was only able to dispute one inaccurate address. I call decided Experian. I provide my current and accurate address but Experian still refused to remove the inaccurate addresses.

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 2018-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
About a week and a half ago the credit card payment atm are my card and I called to get a new one and it never came in the mail it was supposed to be by XXXX XXXX it was a capital one sponsored quicksilver card XXXX I think XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I filed a complaint against Specialized Loan Servicing, case number XXXX, in which SLS is claiming that I have missed a monthly mortgage specifically on XX/XX/2017 in the amount of {$1300.00}. That was SLS 's response to my case where I was asking why I owe them a month 's mortgage payment plus interest when I know I have never missed a mortgage payment ever. 
I checked my payment history with SLS and it clearly shows that I paid {$1300.00} on XX/XX/XXXX for the monthly mortgage for XX/XX/2017. Then on XX/XX/XXXX I made an early payment for {$1300.00} to SLS for the month of XX/XX/2017. This was where the problem began. Somehow SLS credited this payment somewhere else and not to my XX/XX/2017 mortgage payment. 
SLS can double check my payment history and it will clearly show that I paid twice in the month of XXXX. It was because of my early payment to SLS that this problem occurred. 
With that said, I would like SLS to reconsider and double check my records to verify that I have never missed a monthly mortgage payment. 
Regards, XXXX XXXX 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 2018-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC.
State: PA

Complaint narrative:
I have been dealing with XXXX XXXX since XX/XX/2016 which required XXXX, major XXXX with complications and multiple subsequent XXXX of which I still have 2 more to go. I had 2 medical accounts that were sent to a collection agency by my hospital when I was trying to set up arrangements with them. They told me it wasn't a real collection agency and wont affect my credit report. So I just went with it and made arrangements with the collection agency to pay XXXX per month on both accounts. The balance on the accounts were XXXX and XXXX approx. I said I would like to pay online and that was agreed upon. From time to time the payment would not be accepted, saying I was not paying enough money even though I was putting in a payment for XXXX as agreed upon. So I had to call. They tried to tell me the payment was late which it was not. This happened a number of times and I got so sick of calling to have them reset things. Sometimes I just paid the additional amount they were asking for but I couldn't continue to do that. I have been paying down 4 other medical accounts, my son also needed XXXX  XXXX in the middle of this .... It had become time consuming to handle all the paperwork and I wasn't feeling well. So in the middle of a bad month, it happened again and by the time, I had a chance to call, the payment was then late. As soon as that happened, of course, they reported it to my credit which I only learned about yesterday. I called yesterday and got blamed again for paying late. I was talked to like a child which made me so mad. Especially after the person I spoke with said something that I called her out on being untrue and then she completely contradicted herself. I told her that if this is the way they treated me, I won't be paying them off first and to bump me down to XXXX a month. So today I went to apply my payments and both accounts come back saying I owe more. So I called again and now I'm being informed that XXXX payments won't be accepted online. My options are payments by phone or mail a check. Phone payments are not secure and I do not trust mailing a check for a lot of different reasons. It seems that if they are in the business of collecting money, they would accept anything that was being sent to them. I've been spoken to in a disrespectful and passive-aggressive manner which has tried my patience and reduced me to angry words. Today they hung up on me which left me sobbing. I am trying to get my life back on track from the past 2 years and emotionally struggling and this feels like a kick in the gut.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Letter received from TRANSWORLD SYSTEMS INC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXX. 
Stated it was a credit agency demanding payment of {$150.00} sum of balances from 5 accounts. Creditor not stated. 
I believe this to be a scam. I have checked with XXXX and XXXX  and there is no debt reported. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC
State: MI

Complaint narrative:
Miramed Revenue XXXX has opened 8 credit collections for one instance in XXXX, 2016 thus making my credit appear worse! 
This debt is incorrect and should be combined as one derogatory, not multiple.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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: COAST PROFESSIONAL, INC.
State: TN

Complaint narrative:
I get no response but validated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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: Westlake Services, LLC
State: TN

Complaint narrative:
I get no response but validated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Company disapproved the loan application by stating that a ). After careful review of application, they are unable to approve the request for credit and b ). Unable to verify ownership or occupancy of property.

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 2018-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Over the past two months Wells Fargo has begun placing holds on checks I've been depositing despite the fact it has been many years, if ever, since I had a deposited item returned. I believe this practice is intended to generate overdraft fee income for Wells Fargo and not for any valid business reason. I have had this account with Wells Fargo for at least 32 years and believe this to be both a violation of Regulation CC and the reality of the speed with which checks clear since the implementation of Check XXXX. Having spent 27 years in the XXXX XXXX industry and as a XXXX XXXX who primarily sues financial institutions I can unequivocally state there is no business reason for suddenly beginning this practice. I am asking that the CFPB both investigate this matter and assess penalties against Wells Fargo for engaging in a practice that can have no benefit to anyone except Wells Fargo and then only to artificially generate fee income, something Wells Fargo has been doing ever since it's acquisition by 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