vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I attempted to close my Wells Fargo checking account today. There is a bit over {$1200.00} in the account and the fees every month were {$35.00}. I had previously attempted to close the account online but was told that the address I was using to remit the funds was not acceptable because it was a Post Office Box. I was told I needed to come into a branch to close the account. This is very inconvenient but today I went to a branch in XXXX ( XXXX and XXXX ) to close the account.

I was told that they can not close an account on the last day of the month, They gave me the proceeds of the account but did not close it. They said I needed to come back on a business day that was not the last day of the month or the first two days of the month. I asked if I would still accrue fees and was not given a response. 

So the account remains open despite repeated attempts t close it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are opened. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries are not mine. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$4900.00} XXXX XXXX {$1300.00} USDOE/XXXX  XXXX {$65000.00} US DEP ED  XXXX {$25000.00} XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX/XXXX  XXXX {$2700.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX  XXXX XXXX  XXXX {$22000.00}

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 2020-02-28 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are opened. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries are not mine. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$4900.00} XXXX  XXXX {$1300.00} USDOE/XXXX  XXXX {$65000.00} US DEP ED XXXX {$25000.00} XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX/XXXX XXXX {$2700.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$22000.00}

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 2020-02-28 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen at a store while I was shopping. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letter after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There is years after years of open account and closed accounts. There is way too many fraudulent accounts open that I am not near familiar with. These accounts are not mine. Please remove. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX {$4100.00} XXXX/XXXX   XXXX {$10000.00} XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$2200.00} XXXX/XXXX   XXXX {$1100.00} XXXX  XXXX/XXXX  XXXX {$810.00} XXXX XXXX {$500.00} XXXX   XXXX {$6200.00} XXXX  XXXX {$3200.00} DPT ED/XXXX XXXX {$5700.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX   XXXX  XXXX {$4200.00} XXXX  XXXX {$2000.00} DPT ED/XXXX XXXX {$2200.00} XXXX   XXXX {$2200.00} XXXX/XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$690.00} XXXX XXXX XXXX XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
For XXXX XXXX XXXX XXXX XXXX, it is saying that the account is delinquent when it has been consolidated and taken over by XXXX XXXX. This account is also 12 years old and it is closed so it shouldn't even be on my credit report anymore being that it is a very old closed account that was consolidated 4 years ago. I have disputed this account with XXXX XXXX XXXX and XXXX XXXX and Transunion on several occasions pointing out the errors and they refuse to remove the account. There are 4 XXXX/XXXX on my credit report that do not belong there. It says Chapter XXXX Wage earner account in the remarks, but I have been out of bankruptcy for 2 years and have paid off these loans with a consolidation student loan 4 years ago. Please remove the 4 XXXX/XXXX accounts from my credit report. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA 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 2020-02-28 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: NV

Complaint narrative:
I do not moniter my credit often, I see an ample amount of account showing on my credit profile that I have no knowledge of. I have contacted the credit bureaus via mail and none of my request are being responded to.

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 2020-02-28 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: NV

Complaint narrative:
I do not moniter my credit often, I see an ample amount of account showing on my credit profile that I have no knowledge of. I have contacted the credit bureaus via mail and none of my request are being responded to.

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 2020-02-28 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: NV

Complaint narrative:
I do not moniter my credit often, I see an ample amount of account showing on my credit profile that I have no knowledge of. I have contacted the credit bureaus via mail and none of my request are being responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian continues to charge me XXXX despite the fact that I do not have an account with them. I have disputed the charge with my Credit Card company continually since the beginning of XX/XX/2019. Furthermore, Experian 's IVR system makes it impossible to speak to a representative prolonging the problem. While XXXX has compensated me for the charges, I am not being compensated for the time spent attempting to research and re-mediate this situation.

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 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: MN

Complaint narrative:
We purchased our home in 2012 through a local lender. Within the month the lender had sold our mortgage to BB & T. we have had several issues with them, but most recently it is twofold. 
1. my wife was unemployed and receiving unemployment insurance. we applied for hardship. BB & T made us fill out the same forms multiple times, lost paperwork with personal information, and made the process take more than two months. by the time it was finally approved y wife was working again, and we were two months behind. BB & T then refused to accept payments when we did try to make them, even though the payments were for more than one months worth of mortgage.

2. we also received a letter from BB & T stating that they sent an inspector to our house and our house was reported as vacant, a violation of our mortgage ( once again, we never signed a contract with BB & T ), and that they were going to take steps to secure the property. our home has never been vacant, and it is clearly occupied even from looking at it from the street. when we asked BB & T why they thought it was vacant they responded saying that sometimes the inspector doesn't approach the house but instead makes the decision from a distance. this is unacceptable.

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 2020-02-28 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: NY

Complaint narrative:
This is not my information that is reporting on my credit 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 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
The debt collector, Caine and Weiner ( https : //www.caine-weiner.com/ ) has continuously made telephone calls from proxy phone numbers to my phone as early as XXXX and as late as XXXX at night. I have receive phone calls on the following dates and times over the last week alone, and have repeatedly asked them to not call me regarding this matter : XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX The frequency and number of calls is staggering and annoying in every sense. Calling to collect a debt as little as ten minutes apart is interfering with my work and my ability to function at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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 — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not give permission to charge my corporate credit card while visiting a local business while on work travel My corporate card was charged various times without my knowledge totaling {$1700.00} on XX/XX/2019 I disputed the charges after seeing them appear on my statement. 
Suntrust bank 's lack of communication and misunderstanding of my dispute brought them to refuse my claim. Even though my other banks had no issue with the claim. 
They wouldn't answer my phone calls or call me back, they would tell me one thing and send me an email stating another. Their customer service is absolutely horrendous. 

They basically told me there was nothing they could do for me, and are trying to force me to pay for something I did not authorize

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 2020-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: PA

Complaint narrative:
When making extra payments or early payments they're not crediting them effective the date they're received but rather holding them until the due date allowing extra interest to accrue. When I questioned them about this I was simply told this is their policy. When I explained this was against federal regulation and that the payment must be posted effective the date it's received they told me someone else would call me back who never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: FL

Complaint narrative:
I'm not responsible for this account, i never had contract with this company.

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 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bursey & Associates, P.C.
State: AZ

Complaint narrative:
This was an attempt to collect on a judgement. I settled the Judgment IN FULL on XX/XX/2020 and continuously asked for a Satisfaction of Judgement lettter either unfiled or filed for 3 weeks and they have refused to provide me any documentation. They have told me numerous times that they have all my satisfaction of judgement completed but their attorneys take 4 weeks to sign the piece of paper. Even after expressing to them I would file a complaint with CFPB they refused to work with me or release the Satisfaction of Judgment Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: RI

Complaint narrative:
I made my XXXX payment of XXXX to M and T Bank. My bank accidentally keyed the payment in at XXXX but soon corrrected it to XXXX ; my account was definitely debited. This week I received a statement claimimg that the XXXX payment was not made. I reported this problem to M and T bank and gave their corporate counsel a copy of the canceled check. They have been " researching '' the problem for several days. I am very concerned as they have a bad reputation

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 2020-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
On XX/XX/2020, I was trying to buy a used car. I was told by the dealer, I could use XXXX XXXX. I did not have the money in my bank account, the money was on my prepaid card. My sister said she had the money on XXXX XXXX but I had to give her the money first. So, I did a moneygram for XXXX.I sent her the money they stated, It was processed and being sent but when she tried to pull the money it stated additional information needed. I called and was told after the unusual bias question that I was verified and the money would be sent. The money was never sent but cancelled and refunded. The money will not be in my account until XX/XX/2020. My rent and bills will bounce and I owe my sister a XXXX because of this incident. They kept the XXXX dollar fee also and because of their lies, racial profiling and bias, I am in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: NY

Complaint narrative:
THE ACCOUNT BEING DISPUTED HAS NO RELATION TO ME. THIS ACCOUNT HAS BEEN CAUSING HARM TP MY CREDIT AND REPORTING INACCURATE TRANSACTIONS. PLEASE HAVE THIS ACCOUNT REMOVE AND CLEARED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XX/XX/XXXX & XX/XX/XXXX payments totaling {$110.00} paid for City of XXXX Property taxes of property XXXX XXXX XXXX XXXX XXXX , XXXX  , Georgia XXXX {$530.00} cashiers check # XXXX was paid to XXXX County Tax Commission for Property XXXX XXXX  XXXX XXXX, XXXX , Georgia XXXX on XX/XX/XXXX. 

PHH Mortgage ( XXXX ) was contacted via telephone, fax for Mortgage Loan account XXXX for XXXX XXXX XXXX property address XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 
enclosed receipts attachments Mailing address : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. 

i request a refund for interest due to the fact both county and city taxes were paid by XXXX XXXX Escrow account was for the amount for taxes the original loan payment was {$300.00}. 
phhmortgage.com Headquarters : XXXX XXXX XXXX, NJ Founded : 1977 Parent organization : PHH Corporation XXXX, XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
I spoke with Select Portfolio Service counselor back XX/XX/XXXX regarding my loan which was 60 days delinquent. I told them I was experiencing financial hardship and the SPS rep suggested I apply for a Loan Modification. That's when the nightmare really begins. After more than two months of back and forth, I was denied for modification and at that point, they referred my loan to a foreclosure attorney XXXX XXXX XXXX in XXXX. 
Serval times I offered to catch up payments however they would not agree to forbearance. I was advised by an attorney that my loan should have qualified for a modification because of my hardship and the type of loan rate ( 7.5 % ) and broken chain status on my title. I had informed about my hardship back in XX/XX/XXXX during the U.S. Government shutdown and my being a vendor pay was affected. SPS never helped me in this situation they accelerated their foreclosure process and dual tracked me while I sought their assistance. I want to keep my home and I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: KY

Complaint narrative:
I have a student loan with National Collegiate Trust that is being serviced by AES ( American Education Services ). I filed for co-signer release on XX/XX/XXXX and still have not received any response as of today XX/XX/XXXX. AES states they have not received any response from the lender and that I can not contact the lender directly as AES is the servicer and NCT will not speak to me directly about my account. AES has re-submitted the request today but stated they can not guarantee that I will get any response to the second request either. It is outrageous that these companies are allowed to operate in this manner and completely ignore consumer requests while blaming each other for the inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: FL

Complaint narrative:
I'm not responsible for this account, i never had contract with this company.

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 2020-02-28 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:
I'm not responsible for this account, i never had contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase bank closed my checking account in XXXX or XX/XX/2019. 
Chase mailed a check to my former PO Box . 
I never received the check. 
I relocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: OH

Complaint narrative:
I see an account on my credit report that was sent to collections and I have never had an account with this company and i do not owe this balance. This was done without my consent and I have never given authority to start an account in my name with this company

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