vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When checking my account at Bank of America today I discovered I was charged {$140.00} for overdraft fees (  $  XXXX x4 ). I kee p  my money at different institutaions and use my checking account and BofA only to pay certain bills. I s et up an alert to notify me if my balance dropped below a certain amount, but when I was notified it was alreay after they charged those excessive fees. In addition, when looking at the different transaction they are processing the big $ amount items first so they can collect more in fees. Wi th one of the transacations I endup paying {$35.00} in overdraft fee for a cup of coffee I purchased. I reached out to  them today, but they were unwilling to offer any help even though I 've been a client for over 15 years. Thank you in advance for your consideration.

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 2017-05-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
why do they no report paid on time but if you miss  one  they report quickly?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  INITIATED  XXXX  FRAUDULENT INQUIRES ON MY CREDIT. THESE FRAUDULENT INQUIRES WERE INITIATED ON  XXXX   XXXX ,  2017  &  XXXX   XXXX ,  XXXX , &  XXXX ,  2017 . REMOVE FRAUDULENT INQUIRES.

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 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I was called by various debt collectors, never the same company name. The debt was paid  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  transferred the amount out of my account. I burned all day with the State Tax collector, the local court, and got copies of the debt paid in full. Now I have to send via mail the copies  to Alliance One, the de bt collector. I never received a letter, they did n't bother sending to my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On    XXXX   XXXX   XXXX     2017  I have deposited a {$1000.00} into  a Wells Fargo bank  for the purposes of opening a secure credit card. I was told that I will have an answer in no more than a week and a credit inquiry will appear on my credit report.   It has been over 2 months now, and there is still no credit inquiry and no credit card.   After not seeing any action after a month I have repeatedly asked for my money back, since the bank does n't even bother to verify my credit I have been told that the banker will call me back in 2 days.   NO ONE ever called me, and when I show up at the branch, which I did 4 times now, I am told that I will get my money in  2 weeks. It has been over 5 weeks since the first time they told me 2  weeks.   I got the same answer today.   And yes, the banker will call me back in 2 days again.   I do n't believe them anymore.

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 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX   XXXX ,  XXXX  I was sent an affidavit by Ocwen stating that it needed to be sign in order to complete its evaluation of my short sale request and it was needed back by  XXXX   XXXX ,  XXXX .   My real estate agent  XXXX   XXXX  with  XXXX   XXXX  and I have been told as of last year that Ocwen has had all documents provided to complete the short sale and nothing else was required. Now we are being told that they need this document again. This is NOT professional on there part. As you can see I have attached the affidavit that was signed  XXXX   XXXX ,  XXXX .   This is my  XXXX  complaint with the Consumer Financial Protection Bureau regarding Ocwen and was informed in my first letter to the cfpb on  XXXX   XXXX ,  XXXX  I shall hear something back with in 60 days.   Am so fed up with Ocwen they have told my  Agent  and I that all the paper work has been received and that they been waiting on the Lender. This is a bunch of   XXXX   if this was true they would have not asked for me to sign an affidavit that was sign by all parties and summited  XXXX   XXXX ,  XXXX . Not only that but Ocwen has admitted to my agent  XXXX   XXXX  as of this year the paper work was never summited to the  Lender  instead it was with there underwriters still.   I am tired and can not move on with my life with this home being vandalized on a daily basis and being reported to the police. All this Ocwen knows but they keep saying its the  Lender in  which they are full of  XXXX .   What makes things worse my agent and I can not talk to someone that speaks English instead we get these workers from  XXXX  which is hard to understand what they are saying at times.   Please help am stressed out over this matter and all this mess is really uncalled for i f Ocwen did its work ri ght.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUN LOAN COMPANY INC.
State: OK

Complaint narrative:
According to  Sun Loan  in  XXXX  Oklahoma  I took a  loan out in  XXXX    XXXX  . During this time I lived in  XXXX  Oklahoma. I did not have a vehicle at that time also. When I asked the company to let me see the paperwork the  manager  at that location told me that they could not find the paperwork. I have also disputed this on my credit report and it still has not been removed.

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 2017-05-24 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: Fidelity National Information Services, Inc. (FNIS)
State: ND

Complaint narrative:
I am a victim of identity theft and someone stole my personal information to open a checking account with   XXXX   XXXX   XXXX   :  XXXX , the account do n't belong to me. I have disputed this matter with   XXXX   XXXX   numerous times and have sent   XXXX   XXXX   a police report in regards to the fraudulent and unauthorized checking account. I have never had a checking account with   XXXX   XXXX   XXXX  .  DOB  :  XXXX / XXXX /  XXXX  , SSN :  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 2017-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I no longer accept the terms of agreement governing the account under PayPal account with the username XXXX. <P/>This is a individual tax payer, single beneficial owner account that was inadvertently upgraded to business account. On multiple, documented, occasions I have requested a downgrade to a simple XXXX personal transaction processing account. <P/>Subsequently, this business account has been limited. I am no longer able to : send money withdraw money from my account close my account remove a card remove a bank account I have sent communications in regards to this issue with no reply. In addition, I have spent several hours on the phone explaining the issue multiple times with multiple customer support representatives. <P/>I spoke directly with XXXX XXXX, manager in customer support and fraud, on XX/XX/XXXX. I explained this lingering issue once more and that it had been ongoing for more than a month. <P/>On XX/XX/XXXX, I contacted customer support again and spoke with XXXX ( Emp. ID # XXXX ).  He indicated that XXXX did open a ticket - # XXXX but there has been no resolution from compliance. <P/>During the phone calls with customer support, I advised that I would allow an additional 24 hours before contacting the ( Audit, Risk, Compliance ) ARC committee of the board, and filing a complaint with the Consumer Financial Protection Bureau. <P/>Unfortunately, this letter is the documentation and confirmation that the status on my account has not changed. <P/>In additional to this communication, I am not opposed to taking additional steps to bring this issue to the attention of the media, my congressional representation, the California State Attorney General, the Illinois State Attorney General, the Federal Reserve Board ( FRB ),  and the Securities and Exchanges Commission ( SEC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
With Equifax, I have numerous accounts and addresses, social security numbers and accounts that are not mine nor associated with me. I have filed several disputes and spoke to their Disputes Department and then it was eventually escalated to the Office of Consumer Affairs. Needless to say nothing was resolved in fact on XX/XX/XXXX more accounts were added to my credit report which negatively affected my credit report. The accounts added were a judgment from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX.This account I spoke to XXXX which stated they have no information for me having an account. However, they stated I needed to contact the credit bureau to have it corrected but the credit bureau stated I needed to contact the creditor ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX. This particular account was deleted from Equifax only to re-appear 10 days later and the explanation was the creditor does not verify any documentation to the credit bureau. The creditor validates the debt themselves and electronically communicates it 's been validated with the credit bureau 's ), XXXX XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ). This account was also deleted and re-appeared 10 days later with the same explanation as the previous account ). There are several addresses that are not mine which I attached supporting documentation of my current address. Equifax asked me to identify my identity by filling out XXXX Form which I provided to them on XX/XX/XXXX. I spoke to Cal with Equifax in The Office of Consumer Affairs on XX/XX/XXXX and he was extremely rude and he stated that they received the documentation on XX/XX/XXXX. The previous representative stated that they received it on XX/XX/XXXX but no one has reviewed it yet and that was on XX/XX/XXXX. This issue with Equifax has hampered my home buying process due to inaccurate and frivolous information. I am at risk of losing my earnest money and my contract on the home. I have been dealing with issues with Equifax for almost a year. I need this resolved within the next 10 days or I will seek legal consultation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to obtain my free credit report from Equifax. They only way I can get it instantly is to PAY them. They will give it to you right away, if you pay them. But when you go to  XXXX  they ALWAYS say they ca n't give it to you, and that you must mail in your request along with enough personal information for someone to completely steal your identity if they opened the envelope.     It is my opinion, based on my own past and present experience with Equifax, and comments I am seeing from thousands of others on blogs, that Equifax has purposely made obtaining the free credit report as difficult as possible as many others are having the same experience I am.     In this day and age of financial institutions and consumers losing billions of dollars to identity theft, is it a responsible and prudent practice for Equifax to ask you to include a copy of your  XXXX , drivers license, social security card and other identifying information in  one  envelope to obtain your free report?     How many identity thefts and dollars lost can be attributed to Equifax corporation due to the hundreds of thousands of people who are sending their entire profile of sensitive data in one envelope to get a free report?     I have had money orders stolen so I can attest that mail does get open and stolen and many times by people that work for  USPS  or the shipping companies who are infiltrators that send data overseas. It happened to me and it was explained to me by the  USPS  and   XXXX   XXXX   this does happen.     Once again, big corporations have found loopholes to get out of following the laws, because many wise folks are not willing to send that data in the mail, so you are forced to pay them for a report.     I thought the credit reporting agencies mission was to protect the banks not setup opportunities for them to lose money through identity theft?     It is surprising to me that the CEO of a big corporation with all of its degreed leaders are not smart enough to see the lack of common sense in requesting these documents in the mail from consumers. Greed blinds people and clouds their thinking.     I had the same issue many years ago before this complaint site was established, with Equifax never being willing to send me a free credit report without mailing in all my sensitive data but I could always seem to get it online instantly if I paid them. Interesting how that works.     I was and always have been able to obtain the free report from  XXXX  and  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On    XXXX   XXXX   XXXX      this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
On    XXXX   XXXX   XXXX   this company r eceived a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDC PA Sec 809,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am requesting copies of all complaints made about this bank to this moment unresolved. while this agency is charged with looking into discrimination etc nothing is being done and i have escalated my concerns about this.   I continue to get responses from a nameless person likely  XXXX   XXXX  not addressing anything. I know this is headed to court. i am no longer making payments on any account and will take legal action to protect my credt Everything referred to earlier goes unresolved. Notes, in a disciriminatory fashion i am now requesting copies of these notes on all my accounts that disable me from getting help i deserve. that any other bank would freely give. I want copies of all SIGNED credit card agreements since my legal research reveals class action suits have been inititated in this regard. I dispute the interest, i dispute that  i AM being di sciminated against. I now have a legal course of action intended to protect my credit and will no longer get the nameless responses when i indeed requested a name be given in the response. Nothing is resolved. AND CFPB has been reported for accepting what is just a bunch of lies and scripts from a nameless person that i demanded be named as i have asked  XXXX   XXXX  to not deal with my accounts. Notes on my accounts i ask for or will in discovery. No one will help me as they other wise would when i call and now no more payments. Let a judge decide. Promos promised then nothing. Interest assessed after i have been misinformed. I will be able to show a judge when the discriminatory behavior began, what it is how it affected my payments and my overall history never mind the time i have invested to create this papertrail. No doubt from a nameless person i will get another Stonewalling script saying " : we will investigate '' nothing is being investigated just dcripted by the same person being discirminatory. Who looks up disputes that are old implies i am a career disputer in a discriminatory fashion and provides wrong information. this behavior appears to still be unregulated. Send a,, documents i request and CFPB i have reported that while your duty is to investigate what i am reporting and have you are not. nothing is resolved. the person who answers must identify himself or i will not accept or likely use in court against this bank. with no other bank has this ever happened. I guess the thought is you bully me you will get what you want. we will see. now you get nothing. Send all copies of arbitraiton, name yourself, send all notes on my accounts that were put on so as to disarm anyone from helping me creating a discriminatory contentious environment. your denial of discrimination or so it seems will have to stand up in court. I read all about discovers fraud. I know this is   XXXX   XXXX   this bank is so horrible no one else responds. i aint spinning my wheeels i am acting LEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
On    XXXX   XXXX   XXXX   this company received a letter requesting validation where I asked themn either provide me with proof of m y liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDC PA Sec 809

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 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I talked to a lady wit h American Express, wanting to cancel my cre dit card because I did not want to pay the annual {$190.00} annual fee. She advised that I cash in my points before I cancelled. I followed her advice. After I received my movie tickets, I cancelled the account. The account is now closed and I ca n't access it because it has been closed. I then receive a statement and a late fee which now amounts to {$220.00}. I called  American express an d asked that the renewal and late fee be removed because I cancelled the account and now I do n't have the account. It has been closed. Both the lady,  XXXX  and her supervisor, a  XXXX   XXXX   XXXX  informed me that no one in the whole  American Express  companies could cancel or refund this fee. I now do not have an account, but I have been charged the   XXXX   renewal fee. Account no. ending in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I purchase a  70  inch TV from hhgreg I paid as agreed until the balunce was at  XXXX  and I got a warranty with the TV well the TV screen out and they did n't want to honor the warranty I am a mother of  XXXX  kids and I had a warranty until the TV was paid in full and they was talking crazy to me every time I was asking them about the warranty for my TV I would get the run arounds and and 3 year later they tying to collect

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