vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 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: GA

Complaint narrative:
Equifax reports me as an authorized user for a vehicle charge-off XX/XX/2014 and still reporting negatively on this account that is not mine. I am not a joint-owner nor did I co-sign, also I am not married never was therefore not a spouse and not held responsible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have no financial responsibility to this company whatsoever. My belief is that these cards were fraudulently opened in my name. I sent letters on XX/XX/XXXX and XX/XX/XXXX requesting documented proof of who opened these accounts and have not received anything other than a bill. That doesn't help at all! This debt is on my credit report MULTIPLE TIMES. It is reported by the original creditor XXXX XXXX and then new companies XXXX XXXX and XXXX XXXX are re-aging this account by re-inserting it on my credit report again and then reporting the account as RECENTLY active. This is completely unfair to me as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I did a mobile deposit of a check for {$6500.00} on XX/XX/19, was told the money was being held for 7 business days. I called the bank the check was written from the next business day, they informed me that the funds had already cleared. I then called the receiving bank back to find out if I could have someone from the sending bank fax or call to verify the funds had cleared and the check was legit, and was given the run around by two different associates. I deposited another {$350.00} via money order to an ATM on XX/XX/19 to cover payments I already had scheduled to come out of the account the following day. I would have deposited cash, however I had already purchased a money order to pay rent with and had no way to cash it as all the branches in my area had closed by the time I got out of work. At no time did the ATM inform me this wasnt an acceptable way to deposit funds, and it accepted the money order. I did not find out until the transaction finalized, the money order was no unretrievable, and my receipt printed that this money was to be held for 10 business days! At no point during the transaction was I informed the funds wouldnt be available. I called the bank to speak with someone about lifting the hold on these funds and was again told that they needed to verify the funds ( even though a money order IS verified funds. ) The scheduled payments came out of my account and caused my account to go negative. The {$6500.00} then posted on XX/XX/19. However, I was charged a {$35.00} fee for the returned payment, as well as a {$20.00} fee from my utility company for the returned payment. This is absolutely unacceptable.

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 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have no financial responsibility to this company whatsoever. My belief is that these cards were fraudulently opened in my name. I sent letters on XX/XX/XXXX and XX/XX/XXXX requesting documented proof of who opened these accounts and have not received anything other than a bill. That doesn't help at all! This debt is on my credit report MULTIPLE TIMES. It is reported by the original creditor SYNCHRONY BANK and then new companies XXXX XXXX and XXXX XXXX are re-aging this account by re-inserting it on my credit report again and then reporting the account as RECENTLY active. This is completely unfair to me as a consumer.

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 2019-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion reports me as an authorized user for a vehicle charge-off XX/XX/2014 and still reporting negatively on this account that is not mine. I am not a joint-owner nor did I co-sign, also I am not married never was therefore not a spouse and not held responsible!

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 2019-07-10 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Commenity Bank XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. Commenity Bank offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with Commenity Bank, XXXX XXXX XXXX, XXXX, XXXX, and XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed police report which I will include in complaint I contacted BofA file claims too be told it's my responsibility for fraud withdraws which they made my account overdrawn by XXXX for items that I never authorized any ach debits.

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 2019-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I cashed and deposited a check from my employer of 20 years at Wells Fargo as I have every month for the past nine years. A week later I got an email from Wells Fargo saying the {$1500.00} had been removed from my account and the check was being returned to me. The only reason given was " Unusable Image. '' They also charged me a {$12.00} fee. After spending many hours on the phone with Wells Fargo they admitted it was their error and that the teller had " deposited the check upside down. '' They need new procedures where, rather than being automated, they call to talk to the customer first rather than kicking money I counted on out of my account before I had a chance to prepare for such a thing. They also owe me for the time I have wasted dealing with this nonsense. Supposedly they will return a copy of the check and then I have to go back to the bank and re-cash the check. Or something. I have gotten multiple different stories on what to do next.

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 monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
We have an FHA mortgage on our primary home. It has PMI insurance. We paid over 40 % down payment and the home value has risen 30 %. 

We have requested to cancel PMI insurance XX/XX/2019 and been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I went on XXXX XXXX and noticed my score had gone down, went to check out why and seen something from ic systems and XXXX XXXX XXXX ... I also seen that it had come from XXXX and XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I didnt have neither one before, I called and it the rep said it had come from an address Im XXXX XXXX, Florida I have never lived in Florida ever ... .I have also never had XXXX XXXX nor XXXX XXXX ... I need this taken off because it if affecting my credit score ... This is obviously identify theft and fraud..I have never received bills from here which proves that is was not done by me, I havent received any notifications ... if it was not for me checking my score I wouldnt have known nothing of this

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 2019-07-10 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS CAUSED SERIOUS DAMAGE.

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 2019-07-10 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS CAUSED SERIOUS DAMAGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
This loan was originally obtained when I was married. During my divorce was an account that " fell through the cracks '' and wasn't paid. This account was later disputed through a company i hired after my divorce to help fix my credit. The debt had been removed and then re-reported under a collection agency which purchased the account. While trying to refinance my home, it came to my attention ( only until then ) that a lien had been placed on my home by Aqua Finance. I never received notification of such action and per Aqua Finance a notification had been mailed through regular mail. Mail where I live doesn't always get to me and I manage that by keeping track of bills and other items electronically through email notifications.

When I spoke with Aqua Finance at this time they claimed they didnt have to send anything certified or verify that i received a notification for the lien which i feel is very deceiving. A few days passed and they re-reported the debt from a XXXX balance collection account to a full balance ( {$3900.00} ) placed for collection account. 

I feel this is a violation of the Dodd Frank Act as it is an unfair practice of Aqua finance placing a lien on my home without properly advising me, and then taking it further re-reporting a debt to my credit days after I called them. In them re-reporting the debt with a balance as an open collection, it caused my credit to go down 86 points, which seemed to be done on purpose to aide them in collecting the debt by affecting my credit when I was trying to refinance XXXX which they knew was how I found out of the lien on a XXXX balance collection account days before )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
When Mr. Cooper suddenly and abruptly took over from Seterus of our loans their improper handling of both the transition and later messing up receipt of monthly payments has been out-of normal. Unlike Seterus, there is no way to straighten thing up with anybody or any office. Consumer must doing things their way ( putting up with mistaken overcharges ), or otherwise ( foreclosure ). I only want them to straighten their records by fixing their mistakes ( denying have cashed my payment checks ; contrary to my bank 's record ). Aleast ive me a chance to send them copies of cashed checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Today, XX/XX/XXXX, I was on the XXXX website and it said I had a " hard pull '' on my credit which " suggests identity fraud ''. Then it said it wanted to get information from TransUnion but couldn't. I went over to the transunion.com site where it seemed to indicate that I already had an account for my email address, perhaps from a previous incident in which I was provided credit protection services. I tried to reset my password and it didn't give any feedback as to whether I did indeed have an account or not. Then it asked for more information as it appeared to be asking me to update my current information. The site never asked me if I wanted to buy anything. The terms and conditions were inaccessible. After providing the information to log in, the account page said that it had charged me {$24.00} for reports covering 3 credit agencies even though the website only showed one and appeared to ask me to purchase more services to access the other two. I never agreed to have my credit card charged. I was simply trying to get into what seemed to be my pre-existing account to see what they offered, to see what they would charge for their offer and make a decision based on that. Instead, they went ahead and charged me for services - services that they didn't actually render. Again, the transunion.com site never presented me with a description of their services nor did it ask me if I wanted to purchase their services. But I ended it up with a charge against my credit card regardless.

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 2019-07-10 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: DC

Complaint narrative:
XX/XX/2019 Eqifax Mortgage Sol Unauthorized, do now know who this is. 


XX/XX/2019 Eqifax Mortgage Ser Unauthorized, do now know who this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I submitted an Income Driven Repayment Plan Application for my federal student loans on XX/XX/XXXX. My loan servicer, FedLoan ( PHEAA ), sent me a letter regarding my application on XX/XX/XXXX stating " We are unable to recalculate your repayment plan using your most recent 1040 Federal tax return. We have already approved your plan using your most recent proof of income documentation. '' I submitted my tax return to recalculate my payments as FedLoan has incorrectly recalculated my monthly payment 2 times already ( once on XX/XX/XXXX and again on XX/XX/XXXX ). My XXXX tax return is the most accurate record of my annual income, as it takes into account all of my finances unlike my paystub.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I opened an account in Best Buy for a Best Buy Citi Bank Visa card. I made a purchase for 2 XXXX and XXXX protection. I paid cash after the 10 % discount was given. I can honestly say I no longer have the receipt it was XX/XX/XXXX or so. After a long period of time I received a bill of {$2000.00} dollars that was charged on my account. I called Citi Bank fraud dept right away, to dispute all charges Citi Bank Fraud rep. XXXX stated my account had been reverted back to {$0.00}. XX/XX/XXXX I receive a Citi Bank Visa card as you can see 3 months later. Now also the card is now used again in various location a Best Buy, gas station, grocery store etc etc. I once again call Best Buy Citi Bank fraud dept. Now once again they assured me my account was back to {$0.00}, and another card would be issued. While all this is going on not only did my credit score drop XXXX points over night but it also has taken a toll on metal stress and the safety of my personal information.The bank obviously has a security breach or lack of security of private information. Several weeks ago I received a call from a Citi Bank representative stating they will be charging my card for the 2 XXXX  again because it came up as a purchase near my place of residence even though fraud was committed on several stores thru out the XXXX metropolitan area. They are stating I made a credit purchase there when opening my credit card as I stated before I no longer have the cash purchase receipt. The representative was unprofessional and threatened me after I stated that I would exercise my right to file a complaint, XX/XX/XXXX I filed a complaint with the XXXX .XXXX XXXX a call from a XXXX not actual trying to resolve the issue but stating they are going to charge my account the {$850.00} on my account once again because the store charged it to my account and because it was close to my residence. She also stated that someone activated my card with my SSN and my card was delivered to my house. How XXXX is able to prove it was delivered to my residence beyond a reasonable doubt is a mystery to me. Citi Bank not only caused metal anguish, distress and inconvenience, but it also baffles me how a Bank can be so inconsiderate and so nonchalant of their security breaches, and customer care and experience.No apologies no compensation absolutely no remorse. I no longer wish to have an account with them or have any contact with them or their representatives. I wish to close my account in good standing with a {$0.00} balance and forget all this nightmare has even happened and a written apology from the bank, its not asking for to much after 5 months of going in circles. Thank you and have a great day

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 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA

Complaint narrative:
I am being charged {$300.00} for a medical bill. I have been to the same facility plenty of times with my DUAL same health insurance for almost 10 yrs and that can be proven. I have 2 different insurance I have and have been used at this health facility plenty of times

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