vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 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: CA

Complaint narrative:
My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request XXXX  to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. I have never opened any of these. 

XXXX has already ceased all reporting of these fraudulent accounts, I am asking XXXX follow federal law and do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: CA

Complaint narrative:
My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Experian to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. I have never opened any of these. 

XXXX has already ceased all reporting of these fraudulent accounts, I am asking Experian follow federal law and do the same.

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 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my account ( s ). I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. 
Thank you. 
*There were 2 accounts listed with same redacted account number but 2 different balances in error.

1 ) XXXX- balance stated of {$890.00} 2 ) XXXX- balance stated of {$390.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX sold my mortgage that was in good standing to XXXX I understand this may be standard practice but consumers should have a choice in who they pay to service their needs. XXXX has a list of fraudulent and unfair consumer practices. My complaint # XXXX. XXXX filed against XXXX has already be filed but I believe that XXXX XXXX XXXX should also be held responsible for dealing with a less then reputable company. My loan was in good standing, my payments all made on or before due date, my credit history is strong. I should have had a say in who gets my business. I should not be having a financial crisis because of a company I didn't authorize to service. This is not good practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
This complaint is concerning the predatory and unethical business practices of Freedom Debt Relief. We had worked with Freedom Debt Relief for approximately two years paying off debts. We were working on the last account debt to be paid off and in XX/XX/2019 we had asked Freedom Debt Relief how much money we would need to deposit as a one time deposit so that all of my remaining debt would be paid off. They told us a quantity of {$1400.00} including their service and settlement fees. Freedom Debt Relief said that it was not possible to deposit to the account immediately and that the earliest they could withdraw the money was on XX/XX/XXXX. Freedom Debt Relief pulled out the money from our bank account on XX/XX/XXXX and then stated that they take up to 30 days to process the payment to the creditors. I checked with them at least 2 times before the 30 days had passed to see if they were able to prompt the system to send the payment to the creditors and they said they could not do it until 30 days passed. Once the 30 days passed ( XX/XX/XXXX ) they had not done the payment to pay off the debt and they only did a regular scheduled payment to the creditor ( {$210.00} ) instead of paying the debt in full and finalizing the program. On XX/XX/XXXX they pulled out additional service fees and now state that there is not enough money in our Freedom Debt Relief account to pay off the debt to the creditor in full as we initially had the agreement to do and Freedom Debt Relief is now requiring us to provide an additional payment to them in order to complete the amount needed to pay off the debt and because it takes 30 days to process when you do an extra deposit, they will charge additional service fees again for the next month. I authorized to make an extra deposit for {$45.00} so that there is enough money for the remaining of the debt plus additional fees that are accruing because of their negligence. If they do not do the deposit this time, again I will not have enough money to pay off the debt in full and will need to deposit even more money on fees for work that they are not doing. 
I also asked for the transcripts of the chats ( all of these conversations were via online chat so there is written evidence of everything ) and when I asked for the transcripts, they replied they do not provide transcripts of the chats. We had an agreement with Freedom Debt Relief to pay off a debt in full and we are experiencing negligence and/or intentional actions by Freedom Debt Relief to not fulfill their agreed responsibilities and in addition to this they are charging us more fees and requiring us to make more deposits because of their refusal to fulfill their obligations as were agreed to. We need this cycle to end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a payment of {$40.00} from my XXXX XXXX account. Then on XX/XX/XXXX, I submitted an additional payment of {$140.00} from my XXXX account. My statement closed on XX/XX/XXXX, and I received it electronically on XX/XX/XXXX. My statement shows both payments posted and my available balance at {$170.00} as of XX/XX/XXXX. My account online showed my available balance as {$37.00}, and when I called, I was given the same available balance. The next day I called again after logging into my account and still not seeing the other payment, {$140.00}, showing as available. This time I speak with a CSR and was told that the 2nd payment would be available in the next 3 days. It was not so on XX/XX/XXXX, I called again and was told that he did not know why the payment was still not available, but it would be released tomorrow. I log into my account again today and call the automated system and still the {$140.00} is still not available even though my online account says it posted on the XXXX as well as my statement. Both payments cleared and posted to my bank accounts, {$40.00} on XX/XX/XXXX to XXXX and {$140.00} on XX/XX/XXXX to XXXX. It has been 15 days beyond the date of the last payment posting and clearing my bank account so there is no good reason for this payment to have not been made available at this point. Two different CSR people have not been truthful and have only told me what they believed I wanted to hear. I truly believe that they have no idea why it has not been made available, and the guy I talked to yesterday did finally admit that he had no clue. I believe, based upon similar consumer complaints, that I will not be able to resolve this matter on my own. I believe my consumer rights are being violated, and this is just not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: NY

Complaint narrative:
On XX/XX/XXXX19 I logged into my account to check my balance and if check # XXXX for {$50.00} had posted. The check had not been presented but the balance was only {$18.00}. I then initiated an instant deposit for {$54.00} externally through XXXX, the merchant processor for credit payments. Proof of deposit and date attached. Bank of the West ( BoTW ) is a participant in instant deposit and I have previously taken advantage of this service from XXXX with BoTW. When I logged back into the account on XX/XX/XXXX check # XXXX still had not be presented, but my instant deposit was. When I logged in on XX/XX/XXXX, check # XXXX was presented as well as my instant deposit of {$54.00}, however a fee of {$35.00} was assessed. I reached out to BoTW on XX/XX/XXXX and spoke to two bankers before speaking to a supervisor, XXXX. XXXX told me because my instant deposit had not " posted '' until the XX/XX/XXXX, although presented and available on XX/XX/XXXX, I was charged a {$35.00} fee. I asked XXXX if BoTW was an instant deposit participant and she attempted to refer me to their online banking department. I was not sure how that internal department could assist me, so I presented the following scenario : If both my current and available balances were {$0.00}, XXXX, and I initiated an instant deposit externally for {$50.00}, would I have immediate access to the {$50.00} deposit. XXXX 's reply was " not necessarily '' which seems to imply there is some degree of ambiguity in how BoTW makes funds available and fee assessment. XXXX then confirmed that the information provided was the extent she was able to assist me and did not reverse the fee. I asked if I could the dispute the fee said no. When asked if BoTW was self-governing XXXX attempted to refer me to my branch manager. I asked if the branch manger would present the same unresolved conclusion XXXX said yes. I asked one last time if BoTW was not self-governing how can I dispute the fee and XXXX deflected the inquiry as asking " legal advice '' about outside agencies that govern BoTW. As of XX/XX/XXXX19 the {$35.00} has not been reversed. Attached image shows two other instant deposit transactions that were used to avoid insufficient balances.

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 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I reviewed my credit report for all 4 credit bureaus. In review of my reports, I noticed that my current XXXX XXXX account ( XXXX ) was not being accurately reporting or missing from two of the credit bureaus. XXXX reports shows that I have NO MORTGAGE and XXXX  shows an old mortgage and has it reporting as being closed. Experian shows the mortgage reporting accurately. Experian is showing the correct balances but has a note that the account is " potentially negative ''. I contacted XXXX XXXX to be sure that this information was being reported to the bureaus. On XX/XX/XXXX I received an emailed copy of XXXX XXXX resolution that simply stated that my account was being accurately reported to all four credit bureaus. On XX/XX/XXXX I contacted XXXX  to inquire as to why my existing mortgage is not being displayed on the credit report and I was told that it was never reported to them and that it has never been reported. I faxed the letter from XXXX XXXX to XXXX and they will not open a case stating that this information can not be investigated because they do not show me having a mortgage at all. XXXX is saying the same thing. This error is causing me detrimental consequences as far as credit is concerned because I have been paying my mortgage on time ( NO MISSED OR LATE PAYMENTS ) since XX/XX/XXXX. I can not get anyone of these bureaus to correct this or even investigate it. I have attached the resolution letter from XXXX XXXX. I have attached the page of XXXX report that shows they do not have a mortgage account for me as of XX/XX/XXXX. I have attached page 22 of my XXXX report that shows the old mortgage information for XXXX XXXX being reported negatively as of XX/XX/XXXX and I have attached the page that shows Experian notes that says the current mortgage - which hasn't been late for 4 years yet they are reporting a note that states " potentially negative ''.

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 2019-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
Navient keep charging me late fee 's in the amount of & XXXX for a loan that is in " In School Deferment '' Ive called the Navient customer service line several times and every rep tells me they do not know why Im getting charged late fee 's and will transfer the report to their back office. Its been several months from my initial call and nothing has changed. In the meantime nothing is happening and I keep getting charged late fee 's

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
i opened a online checking acct. with pnc bank for me and my fiance who is in jail. i deposit his life insurance check from his late ex-wife. i deposit {$25000.00} on XX/XX/XXXX. The online banking put a security hold on the check until he can come into the bank. i informed them he is in prison and wont be able to get in until XX/XX/XXXX so i was informed by the online banking i would need to get a POA from my fiance and bring it into the branch. I get the XXXX only authorizing me limited power of attorney to handle all his banking transaction until he get home. I talked to the bank manager on XX/XX/XXXX and she tell me the attorney declined the poa because it didnt contain language of disability. My fiance is not disabled by any means all he want is me to handle all banking needs until he is released from XXXX. Its been 18 days and i have no excess to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/2019, I attempted to pay off my entire balance but the site wouldn't accept my payment. The next day, the payment did go through but I was assessed a late fee and interest. I sent a secure message to Barclays and was told they would reverse the late fee and interest so my balance would be {$0.00}. However, today I was assessed another late fee even though my balance should have been {$0.00} ; it appears they never reversed the original fee and interest.

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 2019-09-19 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
There are numerous transactions from my chase bank accounts - XXXX XXXX and XXXX 's XXXX XXXX  XXXX. Chase will not stop the transactions or reimburse me for the $ and they refuse to close the accounts. Because I have been compromised and my money taken from me for more than a month now, I want to close my cd with no penalty and be reimbursed for the interest on my credit card. 

The people at the XXXX XXXX chase bank are completely inept. At XXXX chase they told me to not come back and would not close the accounts. At XXXX XXXX, I sent a certified letter and they would not even open up a claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
Comenity Bank called my father and my brother and told them both they were trying to collect a debt, I am in the process of settling this debt with them and I understand they are not legally allowed to tell a third party any of my information they have called them repeatedly and I want to know what my options are to rectify this situation and I Commenity should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is CONVERGENT OUTSOURCING # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA XXXX FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police XXXXI need this collection account to be removed from my credit report.XXXX  XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XX/XX/2014 {$370.00} I let them know I was unable to pay them not work at the time now I don't have a stable job been that way for several years now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
Over the last few years I have received countless calls ( 100? frequency has been increasing this year ) to collect debt from " XXXX XXXX. '' I am not XXXX XXXX. The only XXXX XXXX I know was from high school in the XXXX. 

I learned last week that XXXX XXXX 's debt is associated, at least in part, with medical service or equipment. I learned this by calling the number XXXX and found out it is XXXX XXXX. I was informed my phone number would be removed from XXXX XXXX 's record. The next day Transworld called again and when I complained, told me it could take 24 hours for the database to catch up. Well, this morning I got another call for XXXX XXXX from a company that would not identify itself. 

I found out debt collectors do not have to honor a do-not-call registry. [ insert swearing here ]. So I'm filing a complaint.

Company response to consumer: Closed with explanation