vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2019 I consolidated all of my XXXX student loans with XXXX servicing. The new loan appears accurately on my report. However, my 12 XXXX loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to XXXX but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX of 2019 I consolidated all of my XXXX student loans with XXXX XXXX. The new loan appears accurately on my report. However, my 12 XXXX  loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to XXXX but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.

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 2019-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
On XX/XX/2019 - I made a one time payment from my personal checking account to cover my brother 's mortgage in the amount of {$1400.00}. I specifically told them this was to be used 1 time and to not save my account information for future payment processing. 
On XX/XX/XXXX, my brother called his mortgage and made his XXXX payment by phone, using his own account information. He even sent me a message thanking me again and told me he made his payment and was getting caught up on things. 
On XX/XX/XXXX, the mortgage company drafted his XXXX mortgage payments in the amount of {$1400.00} from my account without authorization. 
I called in on XX/XX/XXXX and XXXX. They informed me only that they did see a payment on XX/XX/XXXX and again on XX/XX/XXXX and that the next payment due was XX/XX/XXXX. They said my brother, XXXX XXXX, would have to contact them. 
XXXX called in on XX/XX/XXXX and was told the refund would take a few days due to the Holidays. I checked my account in XX/XX/XXXX and it still was not refunded. I tried calling all day yesterday and could not get through. I was able to get through today and they confirmed they would not tell me anything without my brother on the line, ( even though they did confirm he had called in on the XXXX and provided permission in regards to the account ). They said it was only good for that day. 
My brother works in the field and doesn't have service to sit on hold for hours to get this resolved. I'd like my money refunded and I'd like the {$34.00} fees refunded as well.

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 2019-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have provided notice to Jefferson Capital Systems LLC that they lack standing to collect a debt either on account stated or an applicable written signed card holder agreement. My correspondence to Jefferson Capital will be included in attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I tried to access my BMO Harris account online. I logged on to my account using my user name and password. There was a message that I must agree with BMO Harris Bank Digital Agreement before I could access my account information. I read the BMO Harris Bank Agreement but I did not agree with everything in the agreement. I did not have the option to disagree with any parts of this agreement. They did not provide the information regarding Illinois and Federal Law/Regulations that makes this banking agreement legal. I went into the local BMO Harris Bank branch in XXXX IL the same day and was told by the branch manager XXXX XXXX that unless I agree with the BMO Harris Bank Digital Agreement I will not be able to access my  account online. I have been doing online banking with Harris Bank and later BMO Harris Bank since XXXX and I have never had a problem accessing my online account information. I have a problem with the " You must agree to the terms outlined in the Digital Banking eSign Consent and Disclosure in order to proceed ''. I understand that if I don't agree with BMO Harris Bank policies that I can take my money out of the bank. I just want to know that banks like BMO Harris Bank can option out of any liabilities by having their customers waive away their rights by agreeing to these types of agreements.

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 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I deposited {$500.00} in cash in a Bank Of America atm located at XXXX XXXX and XXXX in XXXX, AZ on XX/XX/2019 at XXXX, and was since told that my checking account was closed and as of XX/XX/2019 I haven't received my funds back. 

I am unsure what to do at this point. I have sent numerous emails beginning on XX/XX/2019 to XXXX XXXX who states she is the Chief Client Care Executive and XXXX XXXX XXXX who states he is the CEO. As of XX/XX/2019, I haven't been able to get an update from the regulatory specialist XXXX XXXX that said he would contact me on XX/XX/2019 to get resolve, the executive department or anyone willing to assist.

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 2019-12-31 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: MD

Complaint narrative:
Transunion is submitting a false credit score report to third parties. I tried to rectify over the phone today ( XX/XX/19 ) and everyone was giving me false information and being very disrespectful. I even read my Bill of rights and people told me I was making the information up.

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 2019-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
All three credit company are keeping those hard inquiries. Most I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MSW Capital, LLC
State: TX

Complaint narrative:
I contacted the three major credit bureaus and MSW CAPITAL LLC to  verify an assumed debt of {$550.00} listed on my credit report. 
I also never received notice of debt to MSW or options to dispute or pay assumed debt.

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 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo charged me 4 overdraft fees for {$35.00} each. First, an accidental payment for {$1300.00} was returned NSF ( fee charged ). But first, they deducted it, causing 3 other items to overdraft, charging me 3 additional {$35.00} fees, then returned the XXXX to my account, but now I am STILL {$130.00} down due to their banking practice. If the item was returned, the money was there for the other payments. The other issue is with it " appearing like '' your account will overdraft, so they charge you a fee. There is a class action suit for that now.

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 2019-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME FRAUDULENTLY : USAA SAVINGS BANK # XXXX OPENED : XX/XX/2015 AMOUNT. {$6000.00} I HAVE ENCLOSED A POLICE REPORT AND ID THEFT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
I took out an online pay day loan of {$500.00} on XX/XX/2019 from Mypaydayloan.com due on XX/XX/2019. I couldn't pay the loan back on that date and called the company on XX/XX/XXXX XXXX to discuss the late payment. I was told that the interest would be {$370.00} ( 75 % ) and would increase substantially after that. I paid it on XX/XX/2019. This appears to be usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XX/XX/2019 I disputed a claim for charges that were unauthorized made on my account in XX/XX/2019. I called in the Back of Americas Claim department and the rep filed the claim and I was issued a temporary credit. After their investigation the claim was denied and the their reason was the claim was filed outside of the time frame allowed for disputes. I am very upset because if they knew this Im not sure why the claim would be filed to begin with I believe that the claim should have never been filed. My account has been overdrawn for months and I have spoken to several people with no result. I have done research about this happening to many Bank of America customers and the research advise this being another great way to get some help on this. I have written a book and had XXXX deposit money in this account because I didnt expect this claim to turn out this way and overdraw my account and Bank of America is basically keeping my money please help me! I do not have the financial means to just give over {$300.00} to Bank of America because of their error. If I had known I was able to dispute I wouldnt have. I really hope this can help my only option after This is small claims court. 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 monetary relief
Consumer complaint received 2019-12-31 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
Lexis Nexis Today I received the attached letter from Lexis Nexis from CFPB in reply to my 7 th complaint filed against Lexis Nexis both by US Mail and to the CFPB.. 

1.. This is the first time Lexis Nexis supplied me XXXX XXXX   and contact information. 

2.Lexis Nexis NEVER sent me the list of 71 Historic & Unverified Jugments & liens '' which today 's letter claims they did. 

3.This letter attached says Lexis Nexis supplied me a copy of my Accurint Report. This is false. They only supplied me a list of my home address ' for the past 30 years. ONLY. 
They have NEVER supplied me the list they sent to XXXX XXXX XXXX, XXXX law Firm or to XXXX XXXX XXXX. 
I am trying to have the list of liens and judgments corrected, DELETED and a corrected copy sent to me. 
I also need this support information to claim against XXXX XXXX for their relying on what was clearly bad information that forced me to disclose information on MY FINRA U-4 that was not accurate. 
XXXX XXXX billed my employer, XXXX XXXX XXXX {$5000.00} which was deducted from my paycheck in a month when {$5000.00} was my only income and it caused me a lot of financial difficulty. 
I expect to recover this {$5000.00} from XXXX XXXX.I will  add this email to my complaint at CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: TN

Complaint narrative:
I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief. 
The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$68.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/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 non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After 7 years paying my mortgage to chase bank on time l got laid off from my job. I was able to keep up my payments for a while but I finally started to fall behind on my payments. In XXXX of 2019 I had fallen to three months behind. I was told by chase bank that I needed XXXX to bring my account current and to get it out of default and that needed to be done before XX/XX/XXXX. The good thing was I started a new job and I was able to get back on my feet. On XXXX XXXX I made the payment of XXXX which should have taken me to current. But when I got my next statement they did not credit my money to bring me current like I was told, they used that money for fees and late charges. So they once again they decieved me. I say once again because 3 years ago my mortgage insurance was supposed to come off my loan because I had meet all the criteria to have it removed but when all this stuff started I noticed they never removed it as I was told and they had been over charging me XXXX a month for over 3 years. Last week I received a letter from chase that they sold my mortgage to a company named XXXX XXXX. I went on to my chase online account to pay my current mortgage payment but it will not accept my payment. So I went to the XXXX XXXX website to see if I can make my mortgage payment there and it says that my account info will not be available until XX/XX/XXXX so now I am in limbo. I dont think its fair that theses banks can just do what ever they want and the little guy like myself that is trying to do the right thing only option is to spend thousands of dollars to hold these banks to doing the right things.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am a victim of Identity Theft, someone fraudulently opened the following account in my name : BARCLAY 'S BANK DELAWARE # XXXX OPENED : XX/XX/2015 AMOUNT. {$750000.00} I HAVE ENCLOSED MY POLICE 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 2019-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have had Synchrony Bank, who owns my Care Credit credit card, for several years. More recently, they have been increasingly difficult to contact re : promotional balances. Their system is inherently flawed because you can not designate where you want your payment to go ( current balance vs. promotional balance ) and they default your  payments to go to your main/current balance almost ensuring that you will not pay off your promotional balance in time. In the past ( prior to 2018 I would guess ) contacting them via their internal messaging system or phone would be helpful, and the correction ( having them change the payment to go only to the promo balance ) would immediately show online. Now they tell you " 2-3 billing cycles '' and you can not tell how much you have paid to the promo balance by the time the next payment cycle has come, because their system has not caught up yet. Also, now when you call or send messages with their internal messaging service, you often get someone in XXXX. I understand the cost-saving of outsourcing, but when English is a second language the customer reps have not understood my requests for putting payments towards the promotional balance. This results in endless calls on a monthly basis to see how much I have actually paid, and repeated calls to hopefully get someone who understands English or is actually in America.

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 2019-12-31 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: TN

Complaint narrative:
I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief. 
The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$68.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/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 2019-12-31 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: TN

Complaint narrative:
I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief. 
The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$68.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRUADULENT ACCOUNT IN MY NAME : JPCMB CARD SERVICES # XXXX OPENED : XX/XX/2015 AMT. XXXX I HAVE ENCLOSED MY POLICE REPORT.

Company response to consumer: Closed with explanation