vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
When my home mortgage loan began with Green Tree, I signed up for their bi-weekly automated payment program and they initiated the withdrawals from my bank account. One month later my loan was transitioned to Ditech and initially nothing had changed ( due dates remained the same and the automated bi-weekly program continued ). In XX/XX/XXXX, the due date on the monthly statements changed ( 1 day earlier ) and late fees started to accumulate despite the companies automated bi-weekly payment plan. In XX/XX/XXXX, Ditech discontinued their bi-weekly automatic payment plan, so I initiated bi-weekly payments to be paid by my bank without any gaps in payments. All of a sudden, my payments were being applied to bogus late fees that had been accruing without my knowledge. Upon a detailed review of my account payment history, it became evident that principal payments had been applied 3-5 months late. However, the more serious concern is that when I finally got the company to reverse the late fees, 2 payments that should have been applied to principal were instead applied to a future months payment. I have spent many months trying to get this situation corrected, but have been unsuccessful, as their customer service department / call center makes it nearly impossible to reach the same supervisor on subsequent calls. I truly believe that my issues originated with system updates and that if this has happened to me then this has likely happened to other Green Tree / Ditech customers that were utilizing the company 's automated bi-weekly payment program.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have printed my report from XX/XX/19 and XX/XX/19. There are no difference in the two, but yet my score dropped 128 points in 1 day! Everything is exactly the same on the reports but no one can explain why the drop. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: AL

Complaint narrative:
Enhanced recovery did not send me a collection letter before they put this on my credit file. There response would be that they can't find me even though they are reporting it on my credit file. This is collection agency new tricks to put things on your credit report before they notify you in the mail. But I have never received a collection letter with my right to dispute this,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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 received the sum of {$8200.00} in my checking account with PNC bank from one XXXX XXXX my business contact on Thursday the XXXX day of XX/XX/2019. I went into the bank the next day to get this cash, so as to be able to complete my part of the business. My bank refused me access to the funds in my account and outrightly declared the transaction fraudulent. I have reached out to the bank for reasons for such action and have also called them on several occasions to no success. They said that my account is under investigation and wouldn't give me anything to prove to XXXX XXXX that I have not scammed her off her money until the investigation is done. I write to have this remedied as I think this is the best thing to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: KS

Complaint narrative:
Hello, XXXX XX/XX/2019 i sent XXXX to XXXX with XXXX Two days after that, I tried to use my debit card and I realize I was negative. 
I checked my account and I realized I was negative. 
I don't know why but XXXX made 2 transactions with XXXX ( XXXX total ) If I want to send XXXX I can just make XXXX transaction not 2. 

I called then and I cancelled the second transaction. And they said will take 5 days do get refund. 

The first XXXX arrived in XXXX, the second transaction they send back to my account, and also they gave me one transaction for FREE because of this problem. 
**Was n't my problem!!!! 

Now ONE MONTH after got my money back I received a e-mail from Transferwise and they said I OWE XXXX, because they sent the refund 2 times. 

I checked my checking account and there just one refund, I sent the screen to then with all the informations and they still want to send my name to the collection without PROVE. 

I have a screen on XX/XX/XXXX I got XXXX witch was " pendent '', and in XX/XX/XXXX finally the XXXX shows again in my account as " available ''. 

Just one time refund not two. Same reference number. They still can't prove it the debit!!! 

Trying to talk with then but they still saying they will send this debt to collection. 

THEY CAN PROVE IT!!! 

I am very upset, I am very honest and this company is very desorganized. 

I don't know what I have to do it, please help me I have all the proves I do not OWE anything and they want to destroy my credit. 

They sent to me on XX/XX/XXXX the money was pending and in XX/XX/XXXX the money got available, same track number was just one deposit not two. They said there was 2 deposits NOT TRUE they cant prove!!!! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I'm a depositing customer with Bank Of America and they have treated me very unfairly with regard to a check that I received from my car accident and was deposited into my checking account XX/XX/19 and placed on hold until XX/XX/19 The total amount of the check was {$12000.00} and I was told that they would release {$4800.00} on XX/XX/19 and {$7800.00} on XX/XX/19 I went into the bank on XX/XX/19 and was told by the branch manager that the check was still in the verification process even though my bank slip said partial funds in the amount of {$4800.00} would be available. So I waited until XX/XX/19 to retrieve the entire amount that should be available XX/XX/19 and still they wouldn't let me get any of my money. 
I feel like I'm being discriminated against because I'm young and XXXX American I feel hopeless and nobody seems to care at the bank. 

The check was a Trust Fund check from a large legal firm and was verified by the Branch Manager via direct phone call and the attorney told the Branch Manager that it's Millions of Dollars in the account and they still wont release any of my money. 

Best Regards

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 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The amount : {$120.00} Date charged : XX/XX/XXXX XXXX. 

My Checking account was debited twice for the same amount of {$120.00} as membership fee in XXXX. I have complained to Bank of America and provided evidence of duplicate charges ( evidence attached ) but Bank of America continued to claim they have investigated and that the two charges were legitimate. I wanted to know what evidence was provided by the merchant to support the two debits but the Bank refused to provide the evidence. I suspect the Bank did not investigate the fact and have only come to a decision in favor of the merchant.

What I want from B of A is just the evidence provided by the merchant to justify the charges. Attached is the Bank Statement indicating the duplicate charges and my last letter to Bank of 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 2019-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I will be consulting with an FCRA attorney about escalating this matter because your company has failed to conduct an investigation regarding inaccurate collection items on my credit report. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Ive paid close attention to my credit reports and have found numerous errors and fraudulent activity stemming from 2005 until now. PLEASE SEE ACCOUNTS ATTACHED AND REMOVE.

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 2019-04-19 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: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
XXXX XXXX XXXX  ( XXXX ) IS REPORTING AN UNPAID DEBT TO MY XXXX CREDIT REPORT. I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST AND THIS DEBT DOES NOT BELONG TO ME!!!! SEE ATTACHMENT TO REVIEW ALL DOCUMENTS PROVIDED. 

THEY REPEATEDLY STATED MY DEBT IS VERIFIED BECAUSE MY NAME, ADDRESS AND SOCIAL SECURITY NUMBER MATCHES THEIR SYSTEM. I'VE ASKED FOR SIGNED DOCUMENTS WITH MY SIGNATURE ON THEM, PROVING THE DEBT IS MINE AND THEY STILL FAILED TO DO SO.

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 2019-04-19 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: NC

Complaint narrative:
I have two accounts that are reporting on my Experian credit report incorrectly. Neither XXXX or XXXX is reporting these accounts. I've been going back and worth with both Experian 's CS Reps and Supervisors to get this issue resolved to no avail. The last straw was a few minutes ago when the Supervisor XXXX was very rude and condescending to me, over the phone. I attempted to ask him how the bank verified I had a loan for a mobile home and he stated they didn't have to verify that information with them. They allowed me to continue to dispute the accounts listed below and they refusing to correct the errors. 


The accounts in question are listed below : * XXXX  XXXX XXXX XXXX - Mobile Home Loan Someone changed the type of account and the last date of last activity. I NEVER had a Mobile Home with XXXX XXXX XXXX XXXX XXXX. I had a Credit Card that is supposed to fall off this XXXX but they changed my date of last activity to XX/XX/XXXX. The last date of payment was XX/XX/XXXX. 

* XXXX XXXX XXXX - Credit Card According to the credit report I pulled in XXXX, this account is scheduled to fall off in XXXX. However, some has changed the last date of activity in their system o reflect XX/XX/XXXX which is incorrect. The last date of payment was 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 2019-04-19 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: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have reached out to the FTC and local police. Im also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX 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 2019-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I seen a vehicle I wanted on the website of XXXX of XXXX. I viewed the vehicle and processed the finance papers online. I was contacted by them and advised that I had been preapproved for a loan in the amount of XXXX dollars. I scheduled a appointment to come in. After driving over 250 miles from XXXX NY to XXXX XXXX NY to the dealership I thought I was going to sign some paperwork and get my vehicle. To my surprise upon arrival i was advised by the salesman XXXX XXXX that I needed to fill out a application for financing. I advised him of my preapproval and showed them my conformational email they sent me. He said if I wanted the vehicle I would have to fill out the application. I did so asked after they did the second credit check and having me sign the papers to trade in my vehicle they then brought me out a contract the that doubled the price of the XXXX truck I was trying to purchase. I did get the new truck but I left there feeling very upset. They not only changed the original loan agreement I was preapproved for they waited until I signed the papers to trade in my vehicle and to do this. Then when I advised them I didn't want the vehicle I was told by the salesman XXXX that it would appear on my credit as a repo. I felt pressured to keep this truck although i am very unhappy with their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have reached out to the FTC and local police. Im also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Inquires : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX 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 2019-04-19 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: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have reached out to the FTC and local police. Im also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hi, I got a check for XXXX  $ and deposited from ATM.Amount got posted to my account next day.I have sold my items to party by seeing the amout in my account. Later bank debited XXXX  saying funds are not available on other bank. 
They shouldnt make funds available if they havent checked with Bank. atleast they should say check is processing. 
I am victim of this scam and bank is bank of 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 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have am looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name is XXXX XXXX please remove any different names from my report they are not accurate. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are NOT accurate please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-04-19 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: TX

Complaint narrative:
I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX. I have contacted the FTC and local police and Im also doing this on my own behalf.

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 2019-04-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have no knowledge of the following inquiry : XXXX XXXX XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity

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 2019-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX TX. XXXX XXXX, XXXX, XXXX CARD, XXXX. I have contacted the FTC and local police and Im also doing this on my own behalf.

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 2019-04-19 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: TX

Complaint narrative:
I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX. I have contacted the FTC and local police and Im also doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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: GA

Complaint narrative:
I have made payment of XXXX $ through XXXX in bank of america. I just realized online retailers scammed me and i want to recall this transaction. But when i call bank of america they said they cant do anything.

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 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
I looked on my credit report and I never heard or see this company before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief