vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive contacted this company and the credit bureau regarding this account which doesnt belong to me and I asked for verification and they were unable to provide it so they deleted it, I received notification that it was deleted but its still on 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 explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been getting letters from Bank of America account with them it's from XXXX Florida and I never open an account with Bank of America I'm very very very sure of it it's been going on for about 6 months I sent him a letter saying that I would report them to the Consumer Finance fraud Bureau and a month later they emailed me another form saying that I am going in - {$8.00} Every time I try to reach out to them on the phone I get a recording asked me for my social security number and my bank account number I give them the bank account number but I do not get in the social security number and it will not let me go any further past that this is starting to bother me and worry me I'm afraid it's going to affect my credit

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 2019-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed this item, because it doesnt belong to me and, I asked for verification, and they were unable to provide that information, so I was sent a status update, saying it was deleted but, its still there and they are failing to do what they said they did or going to do

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 2019-12-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In late XX/XX/2019, I brought my wife 's car to ASAP XXXX in XXXX, NJ. One mechanic named XXXX, not the owner, looked at our car and said it would cost over {$3500.00} to repair it. Based on that info, we decided not to repair it. However, the owner, XXXX, told us that he could repair it for {$2600.00} and that it would run for a year or more. Based on this, we decided to go ahead with it. We picked up the car on XX/XX/19. The car wouldn't start, needed to be jumped and the check engine light was on. Within a couple days, the car was shutting down in traffic which it had NOT been doing previously. I tried several times to reach the owner. XXXX, the other mechanic, would answer and say that XXXX, the owner, wasn't there. 
Since I was unable to reach the owner, I filed a dispute with TD bank credit card services since I used my TD credit card to pay. Even though the merchant NEVER even responded to TD credit card 's dispute department, TD came up with an illogical reason to only credit me for {$400.00} of the {$2600.00} dispute. 
I don't understand why a full refund was not awarded when the merchant did not even provide any explanation or response of any kind. All of my research suggests that visa protects the consumer in cases such as this yet TD bank refuses to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/19 I opened an account online with Bank of America, I received several emails confirming that the account had been approved, an account number was provided, and then another email was sent stating that a debit card was sent. Then on XX/XX/19 when I received the debit card in the mail, I attempted to activate the card but was unable to so I called customer service to find out that the account is being closed. Because I received the emails that the stating the account had been approved and that all I needed to do was fund the account I setup my payroll to be direct deposited into this account and the representative that I spoke with wasnt helpful at all, she simply said that Id have to wait until Friday to see if they can see if the funds in the account. I have other obligations that I have to take care of for Bank of America to make the decision to close the account without reaching out to me via email, phone, or mail, I find that to be very unprofessional and not good customer service.

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 2019-12-24 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: TX

Complaint narrative:
XXXX refuses to accept documents by only choosing to accept document through the mail. While I've already provided compelling information on this matter their decision is impacting my way of living

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 2019-12-24 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: PA

Complaint narrative:
I disputed this item, because it doesnt belong to me and, I asked for verification, and they were unable to provide that information, so I was sent a status update, saying it was deleted but, its still there and they are failing to do what they said they did or going to do

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 2019-12-24 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: PA

Complaint narrative:
I disputed this item, because it doesnt belong to me and, I asked for verification, and they were unable to provide that information, so I was sent a status update, saying it was deleted but, its still there and they are failing to do what they said they did or going to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: Kriya Capital, LLC
State: IL

Complaint narrative:
We have contacted XXXX, as well as multiple collection agencies numerous times to clear up an erroneous derogatory credit report. 

All supporting documents, including a " paid in full '' statement, and a chat transcript with XXXX customer service clearly supporting our assertions, have been provided to XXXX, XXXX, CRM, etc. 

The collection agency ( the most current collection agency is called CRM a/k/a Credit Resource Management ) is refusing to remove the error. XXXX refuses to remove the error, claiming that the collection agency has " certified '' that the debt is valid. Yet, even though we have provided original copies of our account being satisfied, XXXX   has chosen to ignore all of our documentation showing a {$0.00} balance, closed, Paid-in-Full account. 

CRM  a/k/a Credit Resource Management Contact Info : Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Furthermore, and most problematic is that XXXX is repeatedly selling this " debt '' to successive collection agencies. This has lead to consistent and multiple copies of this " debt '' being reported to XXXX ( XXXX is the ONLY reporting agency that has refused to remove the error ). 

Below is a copy of the latest message sent to XXXX via their online portal. XXXX   has acknowledged receipt of all my correspondence. 

I hope you can assist with this matter. 

Thank you. 
-- -- -- -- -- -- -- -- -- XXXX, The derogatory information posted by Credence Resource Manag a/k/a CRM, on my credit report is erroneous and we are demanding a thorough review of the documents that support the satisfaction of the debt as uploaded alongside this message. 

XXXX via their many credit collection agencies has posted this error at least 3 times in the past. 
Each time, we have re-submitted all the documents and each time, the report was properly removed by XXXX. 

Now comes, CRM  to post yet another derogatory filing. We anticipate that XXXX will do the right thing once again and remove the error. 

I have virtually signed and authenticated that the documents I am providing to you are valid and accurate. This should suffice as clear and proper evidence to remove the error and correct my credit report. 

Please be on notice that this issue is causing us financial harm, as we are currently unable to apply for and get financing at the appropriate and best financing terms available. If it becomes necesarry, we will open formal complaint against CRM, XXXX, XXXX, et. al. in the proper legal venue that will have jurisdiction to impose and award financial and other damages caused to me by the erroneous information shown to prospective creditors. 

I look forward to your amicable solution within 30 days before taking the necessary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Update : Now the credit freeze site take me to a page requesting that I complete a freeze by mail instead of a generic credit report request page.

Still unacceptable. I have found statements from Experian stating that this is a security precaution and intentional ; however, this makes it more difficult to freeze my credit to protect against fraud than it is to take out a new line of credit! This is completely unreasonable and makes absolutely no sense.

I have easily placed a freeze with XXXX  and XXXX  online through their respective websites ( although the XXXX  service was down last night ).

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 2019-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
I received a charge on my credit card bill for {$69.00} dated XX/XX/19 stating that it was for an annual fee. On XX/XX/19 @ XXXX XXXX  I called the number on my credit card XXXX. The call lasted 10 minutes and 42 seconds. I inquired about the annual fee and the rep that I spoke with said that I must pay the fee. I informed the rep that I wanted the card cancelled immediately ; that I was not willing to pay {$69.00} for a credit card. I was told, regardless, I must pay the {$69.00} fee as I had already used the credit card. I again said to cancel the card and wanted to speak with a supervisor. 

A supervisor got on the line and told me that I must pay the annual fee as I had used the card. I was told that there was no way to waive this fee. I explained to the supervisor my frustrations and again said to cancel the card and I would be done with First BankCard. 

First BankCard refuses to cancel this card ; there reason is that when I called to cancel, the rep was not able to read me a full disclosure because I had asked to speak with a supervisor, therefore, they can not and/or willnot cancel this card. 

They are allowing charges to be made on this card, after I spoke with 2 individuals and told both individuals to cancel the card immediately. 

This credit card should have been cancelled on XX/XX/2019 at roughly XXXX XXXX, that date that I called and requested that it be cancelled immediately. 

There is no reason that this company should refuse to cancel the card and give some lame excuse that it is because they were not able to read me a disclosure. At that point, I did not care about any type of disclosure. I wanted the card cancelled immediately and did not want to be held responsible for another {$69.00} annual fee. 

This card should be cancelled effective on the date that I called and told them to cancel it.

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 2019-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was sued by portfolio recovery for {$1500.00} and the case was dismissed in a court of law and they refuse to remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern : On XX/XX/XXXX via telephone I spoke with supervisor XXXX ID # XXXX and explained that I mailed a certified letter to Equifax and it was received on the XX/XX/XXXX requesting you methods of verifying the information that I disputed. I explained to her that I had been told that the Bankruptcy on my report was verified by the Courts on XX/XX/XXXX by a rep from your company via phone ( which I have recorded and XXXX verified by looking at my report as well ) so I reached out to the courts and they gave me a letter stating that they do not and have not communicated nor verified ANY information with any credit reporting agencies. 
On XX/XX/XXXX I believe, I spoke to another rep XXXX who told me that the same information was verified by XXXX XXXX. So I reached out to them on XX/XX/XXXX. They said via telephone and letter stating that they have NOT shared my information with any agencies either due to my report with the FTC my information was locked as per my request in XXXX. 
Also in my letter I disputed an address ( XXXX XXXX XXXX XXXX, XXXX ) which I have NEVER lived at nor been too. As I have stated to you reps ALL the accounts listed in this fraudulent Bankruptcy are reporting this same address. I also told them that I had filed a report in XXXX when I noticed these errors with the FTC report # XXXX regarding Identity theft based on these accounts. You removed the address from my report. 
As per the FCRA you are required to remove any and all information that can not be verified truly. Also by law you have 15 days to get your response to my letter requesting your method of verification. As of XX/XX/XXXX I have NOT received any communication from Equifax regarding your verification methods which you received from me via certified mail on XX/XX/XXXX. This too is a violation of the FCRA. 
As I have enclosed copies of both letters and proof of my identification there should be no more problems removing this Bankruptcy from my report as if is not mine nor have you verified it in any actual way. 
Like I stated to XXXX your representative, Equifax has violated the FCRA three times regarding this issue that I have proof of. 
1. Lying to me via recorded telephone call that the Court has verified the Bankruptcy 2. Lying to me via recorded telephone call that XXXX XXXX has verified the Bankruptcy 3. Not responding within 15 days to my method of verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
On XX/XX/2017, someone open a checking account without my authorization. The account was an abuse account and which end up owing XXXX XXXX XXXX XXXX {$2900.00}. I have filed a complaint to Chex System, but they have not resolved my complaint so i wanted to file a complaint with the Consumer Finance Protection. The Chex Consumer ID : XXXX. I also filed a police report regarding this fraudulent bank account the incident number is:XXXX. Please check the IP address of the online application, phone number, or me personally coming to a bank branch, you will clearly see that it did not come from me or I have called them ; regarding opening this account. Now, because of this fraudulent activity is making it impossible for me open any type of bank accounts. I want this to be removed from Chex System immediately on false allegation.

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 2019-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax is absolutely misserable to work with. I had them freeze my credit report two years ago. They issued a 10 digit pin. I have my PIN and can provide it to them, but they don't provide anywhere to enter it. Now they are not using the PINS and I have spent 1 hour trying to work with their miserable automated phone system. This company should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Funding LLC, as we speak has been order to cease and to and stop, it has been order to stop by a Government Dept and has been found that the information is incorrect by TransUnion and taking off the record, yet this company has continued to call using over 4 to 5000 robo calls and has violated my civil rights, by going to court without a summons and the figures now over thousands of dollars. Even thou its a fraud and dont exist. Its is hard to get a lawyer, they want money before they would get involve, Im even on the National Do Not Call Registry, phone number ending in XXXX on XX/XX/2011, havent stop calling since the 31days from the registration date, they think its a joke ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, A Property Manager by the name of XXXX XXXX, representing XXXX XXXX, and using the following phone numbers ( XXXX ) XXXX, XXXX XXXX XXXX asked me to deposit {$2500.00} to his bank account in order to secure the rental unit. After I went to a Wells Fargo branch to obtain a cashiers check for the amount of {$2500.00}, I deposited it into his XXXX XXXX  account. After a few weeks I realized I was defrauded out of {$2500.00} and immediately contacted Wells Fargo to put a stop payment on the check. However, I was notified that the check had already been cashed and their is nothing that Wells Fargo can do. It has been well over +30days and I never received my {$2500.00} by WELLSFARGO . WellsFargo Bank has not been cooperative during this unfortunate process.

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 2019-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: NC

Complaint narrative:
We refinanced our mortgage on XX/XX/19 with XXXX XXXX XXXX and our loan was immediately purchased by Stearns Lending LLC. We received our first statement on XXXX with a due date of our payment on XX/XX/19. Our Payment was for the the amount of {$6700.00}. This amount was for XXXX toward principal and rest should of have been posted towards escrow and interest. On XX/XX/19, we received notice that our loan had been sold again to XXXX. When receiving notice from XXXX the  account balance did not include the payment that was made on XX/XX/19. After making several calls to Stearns we were told once that the money would be sent back to us, another time that the forwarded onto XXXX, a third call which said we need to be patient and need to check back, and finally the last call stated that they sent the money and to call XXXX. When we made numerous calls to XXXX they have not received our funds nor have any record that the payment was made with Stearns. Both companies say they don't have the funds nor can locate our funds that were withdrawn from our bank account.

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 2019-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a call at XXXX to my business, from a caller-id that said it was 5/3 bank. It was a robo-call asking me to call them back as soon as possible due to a problem with my account. I don't believe I have a 5/3 credit card or account. 

I called back and they insisted on my social security number to give me any information. I of course refused to give it. They insisted, and I of course refused. They refused to look-up the account based on phone-number and insisted I go to a bank-branch tomorrow.

Company response to consumer: Closed with explanation