vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Hi I have been a customer with AMEX for quite sometime. I have XXXX personal accounts and XXXX biz acct. I fell behind on my XXXX account over 30 days. The XXXX   account is in an XXXX. My XXXX accounts I have always paid within 30 days. I have had trouble paying my XXXX  account due to a XXXX XXXX. AMEX is hurting my credit report since they have closed both accounts and are not reporting my history of making payments. 

I am paying extremely high interest, The least that they can do is report my credit accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
First National Bank of Omaha - XX/XX/2019 is one example..when my checking account balance is low a transaction will go through my account and my account will automatically overdraft where i am charged a XXXX fee. The transaction is not listed on the account or the app or website so i have no idea what they tried to process in my account and im automatically over drafted with no opportunity to bring the account in good standing before the close of the day which is ironic because i will authorize payments before noon on a friday and the bank will hold the transactions until the end of the business day on Monday basically two full days. I believe they are manipulating transactions and should be looked into. Furthermore my overdraft coverage is manipulated to where i will select basic overdraft coverage get approved then go back to app website and it will say no basic overdraft coverage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
For the past several months, I've been attempting to get the lender to stop charging me for Private Mortgage Insurance ( PMI ). Over the last three months, the three SLS representatives I talked to on the phone told me I met the 80 % threshold, and since I have always been current on my payments, that PMI was no longer required. Yet, I continue to be charged a monthly PMI. 

Original Purchase Price ( XX/XX/2015 ) : {$290000.00} Original Appraised Value ( XX/XX/2015 ) : {$300000.00} Current mortgage balance : {$220000.00} ( 77.9 % of purchase price ) Monthly PMI escrow : {$47.00} Current market price approximately {$390000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/19 I received a call from samone who identified as a family member requesting that I send a XXXX payment. Because I typically send payments to that particular family through others I wasnt reluctant to send the payment. I called that family member on XX/XX/19 concerned that they had not received the funds. At that moment that had advised they never called and it wasnt them that made the request. I immediately called my bank to make them aware and file a dispute. They said that this will be filed and take 10 business days which I was advised no later than XX/XX/19. I have not received any paper work from Wells Fargo not via mail or email regarding my claim. Every time I call Im transferred several times. It pains me to see that my bank is supposed to protect me and yet they havent. Out of the millions of customers Wells Fargo has defrauded they should be more helpful to the customers whos remained loyal to them after all the things that have transpired. Its {$90.00}! Thats not going to XXXX  them to credit a customer who never disputes anything. My cell phone service was turned off over this! I had to do without gas and no one takes this serious. Its sad. I want someone to do something about 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
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Professionals, Inc.
State: CA

Complaint narrative:
I filed a complaint here back in 2018 and addressed 3 different collection agencies who were violating the fair debt collection practices and had negative results. Only 1 company responded with incorrect information and the case was closed. 
Further research showed that XXXX XXXX, XXXX XXXX  and action professionals have been incorrectly reporting my debt information for years and also repeatedly reporting the same date frequent enough to make the debts appear recent even though they were 4 or more years old. 
My complaint was not sufficiently handled and the debt collectors are still harassing me and ruining my chances at fixing my credit. I'm the consumer here, where's the fairness and justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
CFPB APPEAL REGARDING XXXX XXXX FROM Bank of America regulatory home loans division LETTER dated XX/XX/XXXX. Mr XXXX XXXX provided FALSE Ilformation to the cfpb regarding my loans lines if credit credit inquiries loan apps ( I will address all seperatelt ) recorded but not necessary valid. 
Bank of America denies a recorded loan # XXXX as per Mr XXXX XX/XX/XXXX letter. 
Attached is my XX/XX/XXXX XXXX credit report with the loan # XXXX recorded and documented that bank of America placed on my personal credit but denies it. 
BUT RECORDED ON XX/XX/XXXX XXXX  credit report it states # XXXX as BAC   LOAN but then XXXX ( as per attached screenshot from their XXXX XXXX report ) changed it to read as loan # XXXX as bank of America at XXXX in XX/XX/XXXX as per XXXX letter to me. 
MY PAID FAX # XXXX boa can send me the info anytime.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was unemployed for 3 months and borrowed money from family to pay the overdue car loan. Then suddenly my car was repoed after i made the payment claiming the funds were somehow reversed from XX/XX/XXXX to XX/XX/XXXX when the car was taken. I immediately made the payment of {$2600.00} to reinstate the loan. They towed the car to a city 160 miles away the day AFTER i paid the loan in the WF branch with CASH.

I can't get to the car. It's still sitting at the auction lot and Wells Fargo said they would only pay to transport it back if it's 200 miles away or more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
See below My fax XXXX Solution recommended Sanctions on boa Monetary loss relief for myself from boa. 
I need info on nc teller details of transaction and signature and video of person doing transaction And I am still waiting for signature cards from XXXX for my solely owned XXXX ( as per our telephone call on late XX/XX/XXXX ) and bank location where account was opened and all signatures and cards issued to XXXX. 
As per XXXX intense fraud investigation of my boa accounts thru my complaints with the cfpb XXXX XXXX XXXX XXXX states in her XX/XX/XXXX to the consumer financial protection bureau that there were only 2 cards issued on my XXXX boa account # XXXX. Issued in XXXX temporarily And XXXX in late XX/XX/XXXX thru present BUT AS PER ATTACHED BoA XXXX ACCOUNT on XXXX XXXX XXXX there is a boa entry of # # # # # # # replacement atm debit card fee of {$5.00}. ON 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 2019-07-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I do not recognize the following inquiry XXXX- XXXX Me Inquiry from XX/XX/2018. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: The Outsource Group, Inc
State: SC

Complaint narrative:
XXXX XXXX for the XXXX XXXX and XXXX for XXXX $ .this matter was resolved in court with no know of this amount .this is being reported wrong.can this be removed of my credit.can you remove from my XXXX, XXXX, and XXXX reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: SCA Collections, Inc.
State: SC

Complaint narrative:
Information not correct please be provide info and remove from my credit.XXXX XXXX for XXXX and XXXX, XXXX XXXX forXXXX and XXXX XXXX XXXX for XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
Information not correct please be provide info and remove from my credit.XXXX XXXX   for XXXX and XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: Aargon Agency, Inc.
State: SC

Complaint narrative:
Companies refused to report correctly can these items be removed of my XXXX, be XXXX be and XXXX  for aargon agency, for XXXX XXXX for XXXX $ and XXXX , and XXXX XXXX  for XXXX XXXX XXXX in the amount of XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I do not recognize the following inquiry XXXX XXXX Inquiry from XX/XX/2018. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I don't recognize the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate the following to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit collection Services - I paid this account in full - was XXXX XXXX - two bills {$58.00} and {$21.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
Problem with KeyBank, On Friday XX/XX/19 around XXXX, I attempted to make a cash deposit of {$140.00} ( 2- {$50.00}. bills and 2- {$20.00} bills ) at the KeyBank ATM , located in the XXXX XXXX parking lot on XXXX XXXX. and XXXX XXXX, XXXX New York. The ATM took my card and my money. Then it displayed a message " verifying your transaction '', then " self test. '' then " out of service. '' After some time my card was returned but not my cash. 
I called the 800 number posted on the ATM for help the representative took the information and filed a dispute claim. I also spoke to the Bank manager inside the store. He said that I would need to wait until the machine is serviced and if there is an overage I would be issued a credit for the funds. He was not sure when the machine would be serviced or when I would receive the funds. He advised that if I had used the ATM in the store they might have been able to do more. He stated it could take up to 10 days. He took my number and promised to call me before the end of the day. I did not hear from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: CO

Complaint narrative:
What : Charge- off Alert Date XX/XX/XXXX Source EXPERIAN Company XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , FL XXXX Phone XXXX Activity Auto Loan Balance Date XX/XX/XXXX This company has reported a charge off when they were included in a BKXXXX that was discharged XX/XX/XXXX. Contacted credit Beauru Experian to investigate and during that time this company contacted me to extort money for me to pay for delete on XX/XX/XXXX. Experian came back on XX/XX/XXXX to state the company verified this was my account. It is illegal to report a charge off when the account was already included and discharged way back in XXXX. In fact, the even deleted the account when it was going through the bkXXXX proceedings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
My loan just got transferred from XXXX to Loancare. My previous mortgage payment was {$1200.00} with {$22000.00} remaining on the balance and maturation date around XX/XX/XXXX. I just saw on the new Loancare statement that the maturation date is now XX/XX/XXXX with a monthly mortgage of {$1100.00}. Loancare never sent me a document for a new loan and secretly slapped 15 years of loan without notifying me or my agreement. There is a BIG discrepancy of the statement and the actual amortization schedule to XX/XX/XXXX. The statement said the new monthly payment of {$1100.00} due in XX/XX/XXXX includes principal payment of {$870.00} and interest of {$100.00} but the amortization schedule says for maturation date of XX/XX/XXXX, the payment for XX/XX/XXXX includes interest of {$100.00} but principle payment of only {$74.00}. Where does the rest of {$790.00} go if not to my principle??? The new loan I would not want to extend my loan whatsoever, especially with such a shady company like Loancare. If using the new loan amount and the new maturation date, the total amount Loancare wants me to pay is 10 times of the remaining balance!! I am totally disgusted by Loancare!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
For several years now I have been trying to have 2 accounts removed from my credit reports, XXXX, XXXX, XXXX from this 3rd party debt collector. 
After several letters, request to show proof of original application, I am still getting harassed with letters and my Credit report has been affected where I can no longer get any kind of credit. 
1.Company is : Portfolio Recovery Associates , LLC Address : Disputes Department, XXXX XXXX XXXX, XXXX VA XXXX Merchant : XXXX- Original Creditor : XXXX XXXX XXXX account XXXX XXXX in the amount of {$1200.00} 2. Company is : Portfolio Recovery Associates, LLC Address : Disputes Department, XXXX XXXX XXXX, XXXX VA XXXX Original Creditor : XXXX - Seller : XXXX XXXX XXXX Account # XXXX Please note when requesting verification on debt with my signature, they send me a photocopy of a bill with an old address of an apartment complex that I lived in over 5 years ago. Unfortunately, our mail box was a shared box and I had a number of accounts trying to be opened under my name. 
I am XXXX and on a limited income. I have no more time for this company and would like to have this problem removed immediately. I am tired of getting the run around from this company and all the other names they use to try and get money from me. 
It has cost me money to mail letters certified to them, pay a credit repair company with money I DO NOT have only to receive letters from one of their other subsidiary companies. 
I have sent another letter to them today via email with specific request to show proof that I opened these accounts in question. 
I would like this taken care of immediately so that I may Retire in peace and get my credit report cleared. 

Thank you for your attention to this matter Looking forward to hearing back from you in a timely matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I checked my credit recently and I notices an account that is not mine in my report I think that my identity was stolen, please help me remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: Innovis
State: GA

Complaint narrative:
I checked my credit recently and I notices an account that is not mine in my report I think that my identity was stolen, please help me remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: LEXISNEXIS
State: GA

Complaint narrative:
I checked my credit recently and I notices an account that is not mine in my report I think that my identity was stolen, please help me remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NY

Complaint narrative:
On XX/XX/16 I had a doctor visit but the bill was never sent to myself nor my health insurance provider. I received a call from debt collections several months later and they never sent any proof of this {$160.00} doctor visit. They claim it was lost in the mail and tried sending it 5 times to me and health insurance company but neither of us ever received it. They have offered no physical evidence of the debt they claim they are trying to collect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX thrive market charged my account {$59.00}. I was not made aware of this charge until XX/XX/XXXX when I received a late payment letter from Sears credit card services. I was shocked because I hadn't made any purchases using this card and I also have autopay setup so I would never miss a payment. I immediately contacted Sears credit card services to resolve this issue. At that point in time I owed {$150.00} because of late charges and interest. I made full payment and was promised that this wouldn't be reported to the credit bureaus. I then contacted thrive market about the charges, they confirmed that it was a mistake and immediately refunded my account. Sears credit card refunded the late payment charges as well. Unfortunately Sears reported this as a late payment and my credit score has gone down 90 points because of 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