vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In follow-up to a complaint submitted to the CFPB XX/XX/XXXX against Wells Fargo for their check clearing process with XXXX XXXX and overdraft charges assessed to me because of this - I still have not received back the {$180.00} in overdraft charges that Wells Fargo deducted from my account. Wells Fargo removed the overdraft charges from being viewed on my online banking statements, but did not return the money. In addition - they have not stated to me what they will do, to make sure that the check in question that I've deposited with them on a monthly basis since XX/XX/2013 ', will not be subject to a Stop Payment hold again. The clearance issue needs to be resolved between Wells Fargo and XXXX XXXX, which services the maker of the check to me. There is no stop payment request from the maker of the check or their bank.

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 2019-04-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Ability Recovery Services, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX. A call was placed to XXXX  in reference to disputing XXXX XXXX XXXX XXXX on my report. I was given a series of security questions to verify my identity in order to begin the process.I was told I needed to send or fax in my drivers liscence, social security card and addresss.Once they received these documents the request could be processed.A follow up call was placed on XX/XX/XXXX XXXX to see if the documents were received. I was then asked a series of security questions to verify my Identity. One of the questions I didn't answer correctly based on not knowing what information they have accurately reported. I was then told I could not receive any information on my report at that time.I have received two confirmed letters from XXXX neither confirms the inquiry about the XXXX XXXX XXXX XXXX. 
I have not also been able open up an investigation to XXXX XXXX XXXX, XXXX who I believe has reaged XXXX account debt being reported on my report. The company is reporting the acoount was opened XX/XX/XXXX XXXX. However my last bills show XX/XX/XXXX.I aquired XXXX in 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 2019-04-29 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: TX

Complaint narrative:
Equifax is reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Money was transferred from my bank account fraudulently to someone I don't know. I immediately reported this to my bank when I received an email stating money had been sent and the bank said they cancelled the transaction but the transaction happened anyway. I have filed a police report and gave the information to my bank and filed a claim but now my bank has denied my claim and said I need provide proof that my phone had been spoofed. I don't know what I should do next. The bank is Bank of America. They have been absolutely no help. I need my money and don't know what to do next. The money was sent through XXXX and when I contacted them they said I had to contact my bank. I have gotten so much of a run around.

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 2019-04-29 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: WA

Complaint narrative:
I asked for a proven fraudulent account to be deleted off my Transunion Credit report. It was not investigated correctly. I submitted the same dispute to XXXX  and it was DELETED. XXXX XXXX XXXX XXXX and XXXX XXXX have the proof this was fraud. Please reinvestigate as I have been trying so hard here to avoid bankruptcy. DISPUTE THAT WAS COMPLETED TODAY XX/XX/2019

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 2019-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Opened a checking account on XX/XX/2019 since my wife and I moved down to FLORIDA. A few days later I tried to check online banking, to find out it does not let me in. The previous day my wife deposited a {$350.00} check into my account for me in their online banking app. I called bank of America to find out what happened and they closed my account without any prior notification ; no phone calls or emails. The customer service rep said they would mail the remaining amount in my account in a week or so. Fast forward 2 weeks later I get a check for {$39.00} from BOA. 

I need that {$350.00} because I'm XXXX and I have medications I need to pay for. 

I want the entire {$350.00} BOA were supposed to pay me.

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 2019-04-29 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 went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. There are items on my credit that are not mine. Please have these items removed from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX/XXXX XXXX XXXX, 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 2019-04-29 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: FL

Complaint narrative:
THE NEGATIVE ITEM THAT IS BEING DISPUTED DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE THE NEGATIVE ITEM AND HAVE IT REMOVE OFF MY CREDIT. THIS ACCOUNT HAVE BEEN INACCURATELY PLACED ON MY CREDIT AND HAS HAMPERED MY CHANCES OF ACQUIRING NEW CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 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: CA

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 5 and 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing  is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: Account Managers, Inc.
State: WA

Complaint narrative:
I asked for a proven fraudulent account to be deleted off my XXXX   Credit report. It was not investigated correctly. I submitted the same dispute to XXXX and it was DELETED. XXXX XXXX XXXX XXXX and XXXX XXXX have the proof this was fraud. Please reinvestigate as I have been trying so hard here to avoid bankruptcy. DISPUTE THAT WAS COMPLETED TODAY XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NC

Complaint narrative:
I Have made 3 attempts to make my payments to PHH mortgage Services, they have transferred my account from XXXX XXXX XXXX and joined with them, but they have returned my electronic checks from my bank to make payments on my mortgage, they have offered other options to make payments thru debit cards and they too have not been accepted and returned

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: CA

Complaint narrative:
XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 5 and 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I was approved for a paypal account over a year ago and encourage to use their service consistently which I did. Now as of today they claim I have somehow breached their users agreement outline and have stated that they are holding my funds for the next 180 days without any discussion or reason. I am a completely legal supplement business and veteran owned. How can they hold MY money captive for 6 months with no justification or personal explanation. It is clearly a fraudulent action and is illegal. They have been sued before for this illegal action and they need to be held accountable. 
PayPal is a scam and anything but a businesses " Pal '' XXXX XXXX veterans seems to be a pattern with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express Blue raising APR interest rate based solely what a NEW customer would receive if they would apply for the same or similar card with American Express with no regard for customer history of 100 % on time payments. Only one FICO score company ( XXXX  ) used to base reason which was 30 points higher than XXXX. Unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I ( with a cosigner XXXX XXXX ) have an auto lease with Toyota. They claim my XX/XX/2019 payment was 30 days past due. I spoke with a manager over the phone we did a 3 party call with my bank to confirm. The manager agreed to remove 30 day late because of incorrect information. I have an excellent payment history, and this is unfairly hurting both mine and my cosigners score. I would do anything necessary to rectify this. I appreciate any help, thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: TX

Complaint narrative:
Equifax is reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dispute charges for span of couple week resulted more than {$4000.00} was put back to account, stated that only original chip card was used while I and my wife still have possession of those cards and we did not make purchases. 
The company fraud department refused to help saying there is impossible to have counterfeit chip cards meaning we are the one doing purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My mother has passed away. I am trying to assume the mortgage. This company had told me i could assume the mortgage and is not complying with my signed request for documentation required for the process which they sent me The have had my request handled by multiple departments. Now nothing is happening for me to proceed and all departments tell me this situation is handled by another department. I have been approved as successor of interest and they have mishandled this situation terrible and refused to assist. 

This has gone on for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
They actually have 4 of my credit cards XXXX for XXXX, XXXX XXXX for XXXX, XXXX for {$2.00}, XXXX and lastly XXXX XXXX for XXXX something and that's the amount that's Im disputing cause my credit report shows XXXX. They are not trying at all to make meaningful settlement negotiations for the other 3 cards and they claim theyre going to " investigate '' the amount of the XXXX XXXX card but in the meantime they listed it on my credit report when Im trying to fix it they want XXXX + a month, I cant do that! they want a lump sum for 40 % off with no monthly payment so they are effectively not working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation
State: OK

Complaint narrative:
The mortgage company repeatedly places additional principal payment in unapplied cash and does not apply towards principal until I call and complain. I make an additional payment every other week with " additional principal '' noted in the memo. Our regular monthly mortgage payment is send autodraft every month. I have spoken with XXXX ( manager ) multiple times and he has tried to work with accounting to resolve this problem to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: EQUIFAX, INC.
State: WA

Complaint narrative:
on XX/XX/2018 my account with XXXX acct XXXX, whom was my mortgage company was payed in full..i then wrote a complaint here regarding the incorrect report to XXXX, XXXX  and equifax XXXXegarding the listing of status of loan..in which at that time still listed the account as 120 late but with no past due and XXXX balance.. XXXX did correctly list the payed off account as paid in full with lates ..which is correct..but to this day on the XXXX and equifax account reporting it states : status of account. 120 late..in which is not correct..also the two are reporting just no past due..XXXX balance..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Our property was damaged due to flooding on XX/XX/19. We filed an insurance claim, obtained county permits, and did all the work according to county standards. When we received the insurance check and our mortgage company ( Flagstar Bank ) was listed as a payee, we promptly contacted our mortgage company on XX/XX/19, opened a claim, and endorsed our insurance check and sent it to them. We promptly completed all necessary paperwork for the mortgage company, and were told that they needed to complete their own inspection before our money would be released. I was told by phone on XX/XX/XXXX that once the request was processed ( two days ), an inspector would contact us within three business days. When that window passed and I emailed the company to inquire, I was was told in writing on XX/XX/XXXX that the window was not three business days, but 5-7 business days. 

Today is XX/XX/XXXX and we still have not been contacted by an inspector. I have called our mortgage company multiple times and have been given various reasons why the inspector has not contacted us yet. They will not give us the number for the inspector or release any funds to us until the inspection has taken place and their report is submitted. They have stopped responding to emails and every time I call I have to wait on hold for a long time to be connected to a supervisor, as they have told me they have no direct number. In the meantime, this is causing extreme financial hardship for us because we paid out of pocket to complete all repairs in a timely manner.

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 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
They actually have 4 of my credit cards XXXX for XXXX, XXXX XXXX for XXXX, XXXX for {$2.00}, XXXX and lastly Best Buy for XXXX something and that's the amount that's Im disputing cause my credit report shows XXXX. They are not trying at all to make meaningful settlement negotiations for the other 3 cards and they claim theyre going to " investigate '' the amount of the best buy card but in the meantime they listed it on my credit report when Im trying to fix it they want 1k + a month, I cant do that! they want a lump sum for 40 % off with no monthly payment so they are effectively not working with me.

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 2019-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I am trying to modify or apply for a forbearance on my home equity loan with Specialized Loan Servicing. I sent all my required documentation to them via mail and uploads. They kept stating that they needed additional documents which I uploaded several times. I was never contacted by them via email or phone which seems strange. The communication with this company is awful and researching them and reading reviews it seems this is their way of dealing with consumers. I wish my loan was never transferred to them. I received a letter for them dated XX/XX/19 stating that they conducted a review of my application for relief options and they are unable to evaluate me. I have sent everything they have requested as I said and they continue to state they do not have all the required documents. I intend to keep my home and would like to have options as to getting help with this.

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