vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 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 checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : EXPERIAN XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX   XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 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: Acceptance Rentals, Inc.
State: GA

Complaint narrative:
I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$1100.00} OPENED XX/XX/XXXX ACCEPTANCE RENTALS XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: EQUIFAX, INC.
State: IN

Complaint narrative:
A dispute developed between myself and XXXX XXXX XXXX ( now called XXXX XXXX ) regarding a delay in completing a residential construction project. They cut-off loan disbursements without any prior notification, including for costs already incurred. To resolve the dispute I provided an updated construction plan that was agreed to by both sides on XX/XX/2018. We proceeded with construction under the new plan. 

On XX/XX/XXXX XXXX announced undisclosed stipulations of a {$500.00} fee and additional inspections to be a part of the agreement. I rejected these additional stipulations on XX/XX/XXXX. 

On XX/XX/XXXX XXXX  made unauthorized hard inquiries on my credit report and also on my wife XXXX, possibly as retaliation. I informed XXXX on XX/XX/XXXX this was unauthorized and that they needed to stop doing this, reverse the inquiries and notify me this was done. They did not acknowledge this communication, nor address my concerns when I called on XX/XX/XXXX, nor acknowledge an additional mention of the problem on XX/XX/XXXX. 

XXXX also transferred the loan in question out of the local office, and also transferred an unrelated loan, possibly also as retaliation. I asked that they return the unrelated loan on XX/XX/XXXX, but they did not acknowledge the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/2017 Capital One Auto Finance -Inquiry XX/XX/2017 XXXX XXXX -Inquiry XX/XX/2017 XXXX XXXX XXXX -Inquiry XX/XX/2017 XXXX -Inquiry XX/XX/2017 XXXX XXXX  and XXXX -Inquiry XX/XX/2017 XXXX/XXXX  XXXX - Inquiry XX/XX/2017 XXXX  XXXX XXXX  -Inquiry XX/XX/2017 XXXX -Inquiry XX/XX/2017 XXXX  XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Rapidly Financial, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I applied for a tax refund loan in the amount of {$500.00} for XXXX gifts for my children. Refundnote required supporting documentation to verify employment and identity along with a copy of my XXXX tax return. On Sunday XX/XX/XXXX, I was emailed Refundnote 's Agreement and Consent documents to be e-signed. the document contained the fees to be charged in the amount of {$520.00} along with and estimated amount for my XXXX tax refund and under terms they prepare my XXXX Tax Return. The documents were signed and emailed back. So i assumed that I was approved for the loan and that I would hear from someone the following day. Of course I received no email informing me about the loan. By this time I was worried so the only way to contact Refundnote is through email. I emailed support on Tuesday XX/XX/XXXX and wanted an update on my loan and that I sent out an email prior to get an update and no reply. In the email I informed them that I was going to report them to FTC and XXXX. Well what do you know I got an email stating my application has been accepted and that more documentation was required and if the information is submitted before XXXX EST my funds would be available the same day. The documentation requested was a utility bill, health insurance info on me and my children, document clearly showing my children 's social. As of today no funds or email. Starting to think this company is a scam and that they have all in information and will attempt to file my taxes.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America says I have " residual interest due '' even though I paid the account on time, by the due date, in full. How is that possible? Although the amount is nominal, it is the principal. How can the " balance '' NOT BE THE BALANCE DUE???? When I questioned why I had a balance, I was told by the rep that it was " residual interest ''. I paid the amount because I don't want my credit to be destroyed over this amount. I want BOA censured or whatever it takes for them to stop ripping off the public.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: WV

Complaint narrative:
BB & T sent balance and check clearance notifications by email before the bank was open, between XXXXam and XXXXam, then charged an overdraft fee for a single item as soon as the bank opened, which then generated an overdraft notice by email. Processing transactions and sending notices outside of banking hours, especially at XXXXam-XXXXam gives no opportunity to me to do anything about any notices I receive. BB & T reordered my transactions. There are two electronic deposits pending which each are an amount that would cover the overdraft on it's own. I regularly see BB & T hold transactions as " pending '' for an extended time, both credits and debits when the account balance is low. It is obvious that BB & T 's computer system has been set up to both hold and reorder transactions when the balance is under a certain threshold in order to generate overdraft fees. I have previously warned BB & T that I will close my accounts and change banks. I have already closed a money market account and will close my checking account next if my transactions are rearranged or held again.

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 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Via a letter dated, XX/XX/2018, Wells Fargo Home Mortgage accused me of a prohibited title transfer of my residential property at XXXX XXXX XXXX XXXX, XXXX, XXXX ( Lot # XXXX as specified in Schedule A of Open-End Mortgage Deed ) and threatening mortgage note acceleration and foreclosure. 

On XX/XX/2018, I provided to WFHM, XXXX XXXX XXXX, XXXX land and tax records certifying that title to XXXX XXXX XXXX XXXX , XXXX, Ct-Lot # XXXX had not been transferred. Further, in conversations with XXXX XXXX, Executive Resolution Specialist ( XXXX ext XXXX ), I requested a complete explanation of the errors identified in WFHM policies and procedures which resulted in the threatened foreclosure of my residential property. At this date, WFHM has acknowledged that a prohibited title transfer for Lot # XXXX has not taken place but has not provided any explanations for its errors or outlined steps to prevent future occurrences. 

Copies of all documents provided to WFHM can be provided.

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 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
In XX/XX/XXXX, my ex-husband and I had a sun room added to our first home. The original loan documents were place with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, Minnesota XXXX for approximately {$32000.00}. This loan was then bought out by Green Tree XXXX XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. On XX/XX/XXXX, Green Tree Mortgage merged with Ditech, which is my current lien holder. After placing several calls requesting a copy of my entire payment history, XXXX, customer service representative, advised me this request will have to be submitted via email. On XX/XX/XXXX, an attempt via email was made to obtain a copy of my payment history beginning with origination date to present, which has not been received as of date.The original loan amount was approximately {$32000.00}, with monthly payments being {$410.00}, my payment being made in XX/XX/XXXX, which I continue to pay as of present. I currently send this company {$200.00} bi-weekly which are paid through my bank via my pay. I can't seem to understand how I have paid this debt for 18 years and still have a remaining balance of {$27000.00}. I have paid off the home which was roughly {$64000.00}, paid off a brand new car which was roughly {$24000.00} since taking out this loan and still owe pretty much the same amount of monies that were initially financed. This can not be, this finance company is fraudulently taking my money by adding astronomical interest to this loan. Ditech is making false representations about amounts owed as I do not owe the above stated amount. According to the loan statement, my current interest rate is 14.999 % with only {$70.00} being place toward the principal of this loan. At this rate, this loan will never be paid off, despite already paying {$90000.00} which is triple the amount borrowed for a {$32000.00} sun room. Please assist me with getting some type of resolution and/or relief from this debt. The practices of Greentree and Ditech are unfair, unjust, unethical and predatory. As evidence of the origination amount, amount of years I have been paying on this loan and remaining balance, I am a victim of predatory lending! At conception of this loan, we were prayed upon as a young couple purchasing our first home and were deceived into predatory practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
XXXX  is now showing my payments to BMW Financial services as " late '' over 7 occurrences which is false causing a severe point score drop on my scores. I have never been late with this account payment. They should correct immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Applied for a new XXXX checking account on XX/XX/XXXX that had the following terms : Earn {$400.00} when you open a new checking and savings account in the XXXX Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days 6 months later on XX/XX/XXXX, chatted with XXXX Chat representative XXXX regarding the {$400.00} bonus and how the requirement was met a long time ago. Her reply to me was " We just received a response today from back office that the cash bonus of {$400.00} will be credited to the account. Please give us 1-2 business days for the bonus to be completely posted to your account. '' Today, XX/XX/XXXX, the bonus has not been posted. I applied for this checking account promo bonus over 6 months ago on XX/XX/XXXX and met requirements a few days after. It has been over 120 days since I met the requirements despite XXXX stating that the bonus would be posted within 60 days of requirements being met. Which has not occured. 

Seeking a prompt resolution to this matter as XXXX has been notorious in the past of forcing customers to file a dispute to earn their earned bonuses.

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 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I periodically receive 3 phone calls a day that when answered just hang up on me. Any time i try to contact the company to resolve the issue i am ignored and hung up on. 
the number i am getting the call from is XXXX company is XXXX   XXXX  XXXX  in Massachusetts

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
I on XX/XX/XXXX paid my internet bill, when I looked in my bank account I noticed another charged from XXXX XXXX XXXX, for {$27.00}. I immediately started to talk to XXXX XXXX XXXX about it told them I don't have service with you anymore I have a different phone service. Called my bank ASAP closed my debit card was issued a new one and reported to XXXX XXXX XXXX my cell phone that had the app on it had been stolen from me shut down auto pay and the phone I didn't authorize the payment. I have had to call supervisors and they have done nothing to refund my money.and the bank just don't care

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 2018-12-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a dispute for the charge on XX/XX/18 from the XXXX XXXX in the amount of {$410.00}. Included with the original dispute as well as the redispute filed on XX/XX/18 was an email directly from the merchant prior to checking in agreeing to honor the lower advertised price of {$100.00}. However, the hotel chose to charge me 4x the amount agreed upon.

I filed the dispute originally only days after the initial charge and again a few months after the initial charge, well within the legally allowed timeframe. Yet on XX/XX/XXXX Chase sent me a letter stating the allowed timeframe to file the dispute had passed and they considered the charge valid. 
Thus Chase did not properly investigate or provide a valid reason for denying the dispute as required by 15 United States Code 1666

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is now showing my payments to XXXX XXXX services as " late '' over 7 occurrences which is false causing a severe point score drop on my scores. I have never been late with this account payment. They should correct immediately.

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 2018-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: TX

Complaint narrative:
They are going to my job site looking for me A person named XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
XXXX was informed on XX/XX/18 that I can not accept personal calls at my work place because my employer prohibits them. However, since then, I have received continuous calls at my work place from XXXX and various other XXXX employees ( audio recording available ). Furthermore, One Main Financial has my cell phone number. Thus, there is no reason for them to be contacting me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: CITIBANK, N.A.
State: MO

Complaint narrative:
I have a XXXX/XXXX account showing up on my credit as an authorized user since XX/XX/XXXX. My identity was stolen in XX/XX/XXXX taxes and all. I have submitted this information to XXXX  over 70+ days ago to remove this erroneous derogatory account from my credit file. They refuse to remove it and this is preventing me from getting the things I need done. I am trying to buy a home and I don't want this derogatory falsely reported account to keep haunting me. I shouldn't have to pay for identity theft in 6 years later. I want the account removed immediately.

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 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i NEVER FILLED A bankruptcy AND THIS JUST SHOWED UP ON MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i NEVER FILLED A bankruptcy AND THIS JUST SHOWED UP ON MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation