vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX around XXXX an individual with my card info was used at a location in XXXX, GA at a Bank Of America ATM. That same individual went back to the ATM to disburse more money out of my account at XXXX. My account was wiped cleaned and that individual took XXXX out of my account. I did not see the notifications on my phone that unusual activity was taking place until that morning. As soon as I saw that my money was taken I called Bank of America to report fraud. My card was in my possession at the time and I was at my residence in XXXX XXXX, TN. I did not authorize any of those transactions and I certainly was not the person taking the money out of the ATM. I did not authorize any of this and I told the person whom I was speaking to all of this. During the process of the claims I found out that the first person filed my claim incorrectly and said that the lady went back the next day in the afternoon to get more money out. Bank of America denied my claim. I appealed the claim and sent in all of this documentation of where I was at the time that it happened and that it was not me in XXXX, XXXX Bank of America once again denied my claim and said I authorized it. I have appealed the decision again. I have no idea why this is happening and why I am not able to get my XXXX back. If you look back of my history at Bank Of America since 2007 I have never gotten that much money out of my account and I only pay bills with this is account. I never carry cash with me and why in the world would I need that much in cash at midnight???? I am now going to file a police report and have the police pull the surveillance cameras and I'm looking into getting an attorney as well. I did not drive to GA for a day to get that much money out of an ATM when I live in Tennessee. I did not authorize any of 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 monetary relief
Consumer complaint received 2019-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have filed a dispute x2 with TransUnion regarding a Dept of Education loan that was paid in XX/XX/XXXX for {$840.00}. I have submitted a letter to them ( TransUnion ) showing a XXXX   Balance and they still refuse to correct the information and update my credit report and score. XXXX has. I started this at the beginning of XX/XX/XXXX. I just spoke to XXXX a supervisor yesterday who informed me the case was closed and it remains on my credit report. I need this information updated and TransUnion is not assisting me at all despite Dept of Education stating its a XXXX balance, XXXX removing it and a letter from Dept of Education to myself stating a XXXX balance. XXXX was rude indignant and basically told me to XXXX XXXX. HELP! Im trying to buy my first home and this is one thing preventing me from that. Thank you.

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 2019-09-10 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 : Inquiry details XXXX Mort Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX XXXX : Inquiry details XXXX XXXX., XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019 to XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have a mortgage with Wells Fargo. Through an affiliated entity they have forced placed insure on my property, where insurance already existed. Unusually onerous is that they're attempting to do it in an arrears type manner. like insure now ( and a crazy price for the policy ) for a period of time in history where there were no losses ( and again, another insurance company would have faced any loss ). This can't be a legit strategy, and I suspect a whole lot of people who are completely living up to the terms of the mortgage by holding insurance become so scared through their dealings with these entities that they cough up and pay. The CFPB needs to put an end to this practice.

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 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received a letter from Nordstrom Card Services- dated XXXX stating the following : That they were apologizing for overcharging me interest on their credit card. I have reached out them asking for the details. 1. What time frame did this cover? 2. What was my interest rate charged and what should it have been? etc. Customer rep told me today that they have no information pertaining to my questions. They did credit my account the overcharged interest and additional amount in light of the error. I just need to find out the details and whether we deserve more. This could be just hush money to move on. I need details, which they won't provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans Union is profiting by allowing an illegitimate collection agent to report inaccurate information on my credit report. Despite numerous complaints and disputes, Trans Union continues to allow XXXX XXXX XXXX to report account # XXXX on my credit report. I have already sent documents to Trans Union to show them that XXXX is a fraudulent collection agent, currently under investigation by the Securities Exchange Commission. I have also informed them that this collection agent has no permit to operate as a collection agent in the state of NC. I have also informed them that XXXX did not supply a notice of right to dispute prior to reporting this account on my credit report. And finally, I have informed Trans Union that the balance that XXXX is attempting to collect is bogus. Despite all of this information, Trans Union continues to allow this fraudulent collection agency to continue to report information on my credit file.

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 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or about XX/XX/2019 my monthly payment was dropped of at a Bank of America location in XXXX, TX. On XX/XX/2019 the check cleared my bank - it was cashed by Bank of America successfully. My payment slip accompanied the check and my Bank of America account number was written on the check. 

However, Bank of America did not apply the payment to my account. Further they charged me a late fee. Within one weeks time they then reduced my credit limit by ~ {$20000.00}. AND THEY HAVE MY MONEY. 

I have provided my checking account and routing number to BoA so they can prove to themselves that they have my money ( on time ). However, I have heard nothing from them for a few weeks now and received no further correspondence. Are they really working to prove they have my money? 

In the meantime they want a late fee and a double payment. Bank of America sucks.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this item however, I have not been successful.

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 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Southwest Recovery Service has been trying to collect money from me that has been reported on my credit report from a charge by XXXX XXXX XXXX ( TX, XXXX area ), that is completely erroneous and is currently hindering my credit for no reason. The collections amount is {$260.00}, and although we briefly used this company, after poor service ( being told services were being rendered when they were not -- we have security cameras that proved this -- and poor service when they were actually here ), but we requested they never come back. No contract was signed stating the services that were rendered for this {$260.00} should take place. At one point, an employee trespassed on our property to make it seem like a service was being given -- one that we did not ask for, and was only done in part. No matter how many times we try speaking to this company, they hide behind this collection agency, and we DO NOT owe them any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was contacted my Navient, and offered the forbearance due to lack of funds at the time. What I was not told was how much they would be adding to my account to have payment delayed while I got my financials in order. Below are the details I received today. I also ask about how this loan was obtained considering I didn't have a XXXX   XXXX  diploma at the time. I did not complete the application and actually thought the school have received grants for the certificate I received. It was not known until I was done and missed a payment that I was informed that I have a XXXX balance. This school did everything and even had me take a test to get my XXXX XXXX  diploma after I started, which took me a couple of months. The loan was issued before I actually completed the online program for a diploma that I never even received in the mail and wants me to pay over a {$100.00} for a paper copy. At the time being young I did not understand, however now as an adult it is clear that fraud was committed for the benefit of XXXX XXXX XXXX. I have sent in appeals to navient, however they are always rejected with " missing info '' took the same form completed what was " consider missing '' not once but twice. Called to check the status and now it was never received and I need to complete a new appeal, for the third time. I am also a XXXX XXXX  and was denied to have my loans put into the forgiveness program. call regarding that and given another number XXXX, that keeps hanging up on me. 

Capitalized interest XXXX Monthly interest XXXX Daily interest XXXX Original loan balance XXXX Total interest owed now XXXX Total balance to date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX / 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: UT

Complaint narrative:
WE are not sure what this debt is or who its for or where it came from. It has been cleared from my credit report then reappears then I get it cleared then it reappears.. Its IC systems this time in the past it was XXXX  XXXX XXXX prior to that another collection agency they just keep selling it reporting it so on. They all demand money then offer want discounted settlements 80 % 90 % discount Its a fraudulent account.

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 2019-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
This complaint is in conjunction with a XXXX  XXXX XXXX complaint filed this morning. I got locked out of my account, XXXX so Im using a different email address to file this complaint. The consumer finance complaint filed this morning is complaint number XXXX My mother, Miss XXXX XXXX, purchased four {$500.00} money orders at a XXXX Pennsylvania XXXX store on XX/XX/2019. 

Ive deposited the money orders into my XXXX XXXXXXXX XXXX ATM on Saturday, XX/XX/XXXX. I have transaction number XXXX, XX/XX/XXXX @ XXXX. Cashier. XXXX, STORE # XXXX I found receipts dear, numbers : ( 1 ) XXXX ( 2 ), XXXX ( 3 ), XXXX ( 4 ), and XXXX each for {$500.00}. Please see the attachments. 

XXXX XXXX XXXX deposited the money into my account without a hold and posted a note into my business checking account stating that the monies would be available To cover pending any transactions on XX/XX/2019.

This morning, XX/XX/2019, I logged onto my online banking and realized that money gram did not honor their money orders. This is as per XXXX  XXXX XXXX representative I spoke to you this morning this morning, XX/XX/2019, I logged onto my online banking and realized that money gram did not honor their money orders. This is as per XXXX XXXXXXXX XXXX representative I spoke to you this morning. 

I was charged to bank fees in the amount of {$35.00} each and business transactions were declined. I attempted to call back at XXXX this morning to speak to a different representative to see if they could be escalated and to provide them with the money gram serial numbers. They refused to assist me!!! 

These money orders totaling {$2000.00} or an official investment in my business by my mother. My account is now overdrawn approximately {$70.00} and counting as transactions come in. 

According to XXXX XXXX XXXX, they reached out to Moneygram yesterday during business hours and they were unable to verify these four money orders. 

XXXX XXXX XXXX is a federally insured institution and should have honor their note inside my account. Furthermore money gram is a large money order institution and should not take several days to verify their legal tender document! 

I would like the aforementioned money orders to be verified before XXXX XXXX today before I take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX account number XXXX. ( Please see page attached from my credit report. ) I was enrolled in a special account program to assist me in catching up with the payments due to a lay-off from my job. Because of this hardship, they agreed to let me make payments and bring the account current. When I obtained a copy of my most recent credit report, I discovered they had re-opened this account. When I called to inquire, I was told by the representative that this was an error on their part however, they were unable to reverse this incorrect information from being reported. Also, this account is reporting an incorrect balance. This negative reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to get my free credit report from aXXXX and it wouldn't let me see my Experian credit report. gave me this message " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly a charge-off on the XXXX account number XXXX. ( Please see page attached from my credit report. ) I was enrolled in a special account program to assist me in catching up with the payments due to a lay-off from my job. Because of this hardship, they agreed to let me make payments and bring the account current. When I obtained a copy of my most recent credit report, I discovered they had re-opened this account. When I called to inquire, I was told by the representative that this was an error on their part however, they were unable to reverse this incorrect information from being reported. Also, this account is reporting an incorrect balance. This negative reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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