vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was purchasing a car online from a reputable website XXXX The seller mentioned i could transfer half of the funds to him to secure deposit and for me to pick up once completed. 

He mentioned to use XXXX for the money transfer and at first I was worried about it but then realized it was a bank to bank transfer so i figured it was ok since the bank would have his info on file. 

I sent {$2500.00} to pay for car and then never heard back from the seller until he did say he received money. This was on XX/XX/2019. 

I tried calling Bank of America to cancel or hold funds and they said they couldnt because it had already went through to his bank. I thought since it was bank to bank transfer from BofA to XXXX XXXX that they could manage and guarantee fairness and legitimacy of it users like 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 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I closed 2 accounts with Wells Fargo bank earlier this year, a checking account in late XXXX and a credit card in late XXXX. After closing the second account I asked the bank to please remove my personal data from their system. They refused stating they would keep the data for an indefinite extended period of time, possibly up to a year or longer ( for tax purposes? ) Neither account generated any taxable events or statements. The checking acct. was a non interest bearing and I never paid a penny of interest on the credit card. On XX/XX/XXXX I received 2 e-mails from Wells Fargo, one updating my online access and thanking me for being a customer and the other for a rewards program I am not enrolled in or eligible for. As a victim of several major data breaches including the XXXX breach of more than one billion users and the government 's OPM  data breach I find it very troubling that a major bank can keep my personal data for an extended period of time after I am no longer a customer. I did talk to a manager about this and she seemed to believe they could keep my data in their system as long as they wanted. I also find it disturbing that I am receiving e-mails that could be viewed as misleading or fraudulent more than 6 weeks after I closed both accounts.

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 2019-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GREAT LAKES
State: TX

Complaint narrative:
On XX/XX/2011 a master promissory note for a federal parent plus loan was filled out using my information and signed by my ex-wife. I have the master promissory note and an application for a note using the same e-mail and phone number used to sign the MPN. This e-mail and phone number belong to XXXX XXXX and I can prove it. I have attempted to speak to Great Lakes student borrower about this and have been ignored and pushed off to the federal Board of Education. I have worked on this for a year and it is still being reported as my debt when I can prove I did not sign the promissory note

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express Platinum card is reporting incorrectly to XXXX  ; XXXX and XXXX on the AMEX partial account number XXXX. ( Please see page 14 of  the attached credit report. ) I make regular monthly payments to American Express Platinum, over the minimum amount due, every month and I have never missed a payment. The monthly payment due is {$890.00} and I am making payments of over {$1000.00} per month. This account is reporting a past due balance of {$6700.00}, with a minimum payment due of {$6700.00}. How can my regular monthly payments of {$890.00} escalate to a minimum payment due of {$6700.00}? This miscalculation has triggered a late reflected on my credit report and consequently this account has been charged-off. How did American Express calculate this past due payment? According to the American Express Platinum website regarding payment calculations past due amounts can not just increase thousands of dollars unless there was a missed payment. As I stated above, I have never missed a monthly payment on this account. American Express Platinum is  reporting lates but can not provide a specific date. There are no lates to report. The inaccurate reporting of this account is a direct violation of the Fair Credit Reporting Act and is harming my credit score. This information needs to be updated to report accurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX XXXX DOB : XX/XX/XXXX Trans Union XXXX . XXXX  # XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account and items Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not my address XXXX XXXX XXXX XXXX, XXXX XXXX Not my address XXXX XXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Not my address

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have placed a credit freeze with Experian. 

In spite of entering all valid information to unfreeze my account, I was prompted to mail in my request with copies of my driver license, social security card and a utility bill. 

I mailed all requested information and my credit was unfrozen for the requested time frame ( confirmed via e-mail on XX/XX/XXXX at XXXX ET On XX/XX/XXXX at XXXX ET I needed to have my credit unfrozen and again I was prompted to provide all the information. Experian said ... " WE WERE UNABLE TO HONOR YOUR REQUEST TO TEMPORARILY REMOVE YOUR SECURITY FREEZE BASED ON THE INFORMATION YOU ENTERED '' I mailed all the required documentation again. I have not heard back from Experian since ( that's 20 days ) Will Experian explain why am I being harassed?

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I'm relocating to XXXX XXXX and looking to purchase in a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw a XXXX XXXX XXXX on my credit that is not mine. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. This item needs to be deleted from my credit report.

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 2019-07-23 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:
Hi, I'm relocating to New York and looking to purchase in a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw a XXXX XXXX Bank on my credit that is not mine. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. This item needs to be deleted from my credit report.

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 2019-07-23 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I pulled my XXXX & XXXX  credit reports and found CONSUMER PORTFOLIO SERVICES had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: OH

Complaint narrative:
Today ( XX/XX/19 ) XXXX called 4 time consecutively starting at XXXX, XXXX, XXXX, XXXX. I was at the post office and couldn't talk but on the 4th call I picked up thinking that it may have been the camp my daughter was at to tell me something had happned. When I picked up, they hung up. I called back and spoke to a representative and advised her that they just called my 4 times in a row and wanted to know what they needed so urgently. She said that their records showed they had only called me once today. I informed her my records show 4 times with in 2 min and I would be reporting them for harassment. She again told me they had only tried once today. Please note that somehow their system is not logging all calls dialed out. I do have records that will show the date and times they called.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express Card is reporting incorrectly to XXXX  ; XXXX and XXXX on the AMEX partial account number XXXX. ( Please see page 14 of the  attached credit report. ) I make regular monthly payments to American Express, over the minimum amount due, and I have never missed a payment. The monthly payment due is {$920.00} per month and I am making payments of over {$1000.00} per month. As I stated above, I have never missed a monthly payment on this account. American Express is reporting lates on this account but can not provide a specific date. There are no lates to report. The inaccurate reporting of this account is a direct violation of the Fair Credit Reporting Act and is harming my credit score. This  information needs to be updated to report accurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: FMS Inc.
State: ID

Complaint narrative:
My credit report is showing 3 accounts with FMS that were paid on XX/XX/2019. I have asked for them to show them paid and for letters showing paid on 2 different occasions the last being on XX/XX/2019. I have not received my letters and they are still on my credit report showing the balances. I paid XXXX, XXXX, and XXXX on XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I pulled my XXXX credit report and found SYNBAMERICAN EAGLE had pulled my credit without authorization on XX/XX/2019. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

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 2019-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ZARVAD III S.A.
State: LA

Complaint narrative:
On XX/XX/2019 I was approved for a {$500.00} payday loan advance and I hgave them my info but now their server is down and no one will return my calls!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # UNIT XXXX XXXX, NC XXXX XXXX : XXXX XXXX DOB : XX/XX/XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account and items Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Not my name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX, CA XXXX Not my address XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, NC XXXX Not my address * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You,

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 2019-07-23 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: BB&T CORPORATION
State: NC

Complaint narrative:
I pulled my XX/XX/XXXX credit report and found REGIONAL ACCEPTANCE CORPORATION had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

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 2019-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Financial Services charged me late fees for my monthly payments. I paid all the monthly payments and late fees. The late fees were paid afterwards but still NOT over 30 days late. However, BMW still went on to report it as a late payment to XXXX, even though ALL car payments were on time. 

This is drastically hurting my credit which I work so hard to upkeep. Why would I pay over XXXX per month in car payments, and even extend one extra month, and delay XXXX dollar late fees? 

Makes no sense. 

Any help would be greatly appreciated. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I am being constantly harrassed by a collection company, Diversified Consultant, collecting " XXXX ''. I remember briefly opening an account with XXXX approximately three years ago, maybe more. it was not a contract. It was for a landline. The service did not work in my home. So I immediately returned the equipment and cancelled my account. 

I just recently started hearing from them. By " recently '', they started contacting me a year ago. I explained to them the above. However, they constantly harrass and call me, even after I repeatedly asked them to stop. Also, I asked for some kind of paperwork from them and did not receive any. I do not owe this. It was reported to all three credit bureaus. I want it removed from my credit report. I want them to stop calling and harassing me. 

QUOTE FROM APPLICABLE LAW : Debt collector CAN NOT : Inappropriately call you. Collectors cant call at inconvenient times ( such as before XXXX XXXX or after XXXX XXXX ) or at work if you arent allowed such calls. 
Harass you. Harassment includes threatening harm or violence, using foul language, or calling repetitively. 

The above applies to the Diversified Consultant. I have documentation of their nonstop calls. I use my phone a lot for business and they have disrupted my work numerous times and compromised my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My basic complaint with care credit i.e. synchrony bank is that they resolved the dispute in my favor in XX/XX/XXXX then continue to bill me and now they are saying they resolve the dispute in the providers favor - here is a synopsis : XXXX XXXX XXXX XXXX Care Credit Rewards MasterCard Account # XXXX XXXX XXXX initially opened a quality of service issue on XXXX XXXX, XXXX for the full amount of the charges because the XXXX XXXX received at XXXX directly resulted in her suffering and death. 

Documentation dated XX/XX/XXXX stated that the result was in XXXX favor. This also said they consider the matter closed. 

XXXX called Synchrony Bank on XX/XX/XXXX to confirm status of dispute and was told yes she would have a XXXX balance when the full amount was charged back to merchant. 

XXXX received a bill in XXXX from Synchrony Bank. Alarmed, she again contacted Synchrony Bank on XX/XX/XXXX, and was advised by a male who identified himself as a manager that yes when merchant was charged back she would indeed have a XXXX dollar balance. 

XXXX continued to receive bills from Synchrony Bank and calls from collections. She was grieving and these calls were very upsetting. When she explained to the call center workers, they told her the collections department does not communicate with the dispute department. In XX/XX/XXXX XXXX sent the letter from Synchrony Bank stating the dispute was resolved in her favor back with the bill and a letter asking them to communicate and stop billing and calling. The bills continued and Synchrony Bank stopped the calls at XXXX request. Because the bills continued, in XX/XX/XXXX XXXX sent via certified return receipt, the paperwork Synchrony Bank sent her back to Synchrony Bank, XXXX received two documents on the same day -- one dated XX/XX/XXXX saying they received her dispute request and that they would investigate. This was confusing. The other document dated XX/XX/XXXX said they had resolved the dispute in the providers favor. This was very upsetting. 

It appears that there was confusion because there was a misunderstanding regarding a refund the XXXX XXXX XXXX XXXX Hopsital made to the care credit account by communicating with care credit. 

XXXX sent a letter to XXXX regarding their desire to refund {$290.00} on XX/XX/XXXX by certified mail. I have enclosed copies of the envelope dated XX/XX/XXXX and the letter. 
This refund has absolutely nothing to do with the quality of service issue which the dispute was about. XXXX would like the resolution in her favor for a full refund to stand. She needs closure. XXXX died on 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 monetary relief
Consumer complaint received 2019-07-23 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
I pulled my XXXX credit report and found One Main had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

Company response to consumer: Closed with explanation