vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hello My identity was compromised around XX/XX/2016, and I then reported it to the three different credit bureaus asking them to implement a 'Fraud alert ' on my account, so that if anyone opened an account, they would need to verbally confirm with me. 

I just found out last week that Experian had implemented a Credit Freeze, instead of a Fraud alert. It appears they are using this as a method to get people to sign up for their IDWorks ( {$24.00} per month ) which I did in an effort to get the freeze removed. 

Also, there is NO PHONE NUMBER where you can talk to them directly. The only way to get through was to sign up for the {$24.00} per month plan. 

Outrageous! Since I can not get a credit card without them removing the freeze!

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 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I currently have a mortgage with Bank of America, which includes PMI ... my loan balance it's already below 80 % LTV, which makes it eligible to remove the PMI, but Bank of America refuses to remove the PMI

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 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
XXXX XXXX bill pay software is flawed. I have only had this account two months and have gotten charged excessive overdraft fees four times because of their flawed online bill pay software. I was charged overdraft fees of {$33.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. The software does not accurately display outstanding unpaid bill pay payments. The amount of available funds should only reflect what is actually available taking into account bill pay payments that have been added, regardless if they have been cashed or not. I have used other bank bill pay software and have never had this issue. Their bill pay system is set up so customers will not see the correct available funds and then process a bill payment which ends of activating another overdraft fee. Their bill pay software is not intuitive when it comes to outstanding payments that have been done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I returned a XXXX  XXXX XXXX XXXX XXXX XXXX to XXXX of XXXX XXXX, California. I called XXXX XXXX XXXX when I returned the car to inquire about paying off the rest of the lease. I was told the amount I owed and received a statement in the mail as well. I made the full payment online and was told that my account would be closed. This did not happen. XXXX XXXX  wrongfully deducted an additional month 's payment from my bank account on XX/XX/2018.  I called a couple of times to get my money refunded and have been given the run around. I still did not receive my refund. They are crooks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Paid an account IN FULL within grace period in the amount of {$1300.00}. On next statement, had an " interest charge '' of {$3.00}. Wrote a letter to the XXXX XXXX XXXX, Bank Of America ignored the letter and did not respond. Had to call in, resulting in extreme inconvenience, customer service representative was confused about the charge - checked with supervisor and declared that the charge would be removed. I asked if this was an error, the reply was " it looks that way ''. Bank appears to be disorganized, does not answer mail, there is NO option to contact bank electronically by e-mail or secure message, the ONLY option is the dreaded " call center '' during THEIR hours.

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 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
We pay monthly electronically to Florida XXXX to be able to come and go through Florida and Georgia Highways with tolls. Georgia continues to send us toll violations in the mail, then they report us to the collection agency called XXXX XXXX XXXX XXXX. Then when I call XXXX XXXX XXXX XXXX, their system hangs up on me 4 times. It is impossible to get through to them to explain that this is a debt we should not owe in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I joined a XXXX XXXX called XXXX XXXX XXXX XXXX XXXX. Otherwise known as XXXX XXXX. However after agreeing to join it i never received what i paid for to help me find someone as they promised to help me do. They promised a website, professional photography, and event meets. I never got any of that. No services or anything. And now they sent a company after me for {$2300.00} cents. That was no where near what i originally agreed to pay. Especially for a scam dating service that did not give me anything for what i paid and i decided to abandon it. The debt collector after me is called Fair Collections and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX and threatening to ruin my credit with the 3 major credit companies by sending me letters in the mail. Because other than this my credit is good. It has taken me 3 years to make it good.

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 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
They are calling my relatives asking about my debt and requesting I call them back. They have no right to do this. Also, the company keeps calling and with different numbers over and over!!! Enough already ... I know I owe debt, give me a break ... stop with the calls and don't call my family!!!!

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 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
From XXXX 20+ phone calls made 18+ representatives/supervisors 4 requests to have calls pulled 44 business days, 64 calendar days unresolved Company is claiming that our account was at one point 30-60 days delinquent and has reported this information to the 3 credit bureaus. It was reported on XX/XX/XXXX that the XXXX payment was 30-60 days late. We have had calls pulled and transcripts reviewed documenting that the account was never 30 days delinquent. This information was provided to us in letter form, outlining what occurred on the calls but is still being prefaced with there is no bank error and it is still the account holders error. 

XX/XX/XXXX - Account was opened. 
XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX along with the XXXX payment with a live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through automated system in the amount of {$160.00} XX/XX/XXXX - {$84.00} payment due - payment made on XX/XX/XXXX through automated system with XXXX payment XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through bank website XX/XX/XXXX - received notification that there was a change to our credit scores and found that it was reported our account was XXXX days late. We contacted the customer service department to find out what happened. On this call, the representative acknowledged there was a system error that post dated our XX/XX/XXXX payment to XX/XX/XXXX causing the system to think the account was late. The representative removed the XXXX late fee, submitted a dispute on our behalf to have the credit report error fixed, and assisted us with getting the payment processed that was pending and making the next months payment for XXXX. 

XX/XX/XXXX - it was reported to the credit bureaus that XXXX was XXXX XX/XX/XXXX - we were told that the XXXX payment is what was XXXX days late because there was no payment showing on the XXXX statement. No calls were pulled per request even though the XXXX payment was made on XX/XX/XXXX XX/XX/XXXX - we were told that the XXXX payment was 30+ days late. XXXX payment was made on XX/XX/XXXX On four different occasions, four separate representatives told us different dates that were late. We were told XXXX, XXXX, XXXX, and then XXXX in that order. There are inconsistencies from what they are telling us, what was discussed on the phone calls, and what they reported to the credit reporting agencies. 

Additional documentation attached.

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 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I opened an account on XX/XX/XXXX. On XX/XX/XXXX, I was sent a letter stating my account would be frozen on XX/XX/XXXX. I did not even receive this letter until XX/XX/XXXX ( last letter in XXXX XXXX Delivery XXXX XXXX ), after the account was frozen. I went to a branch that weekend to provide documentation and was told the following week that it was illegible and to come again & again. I have submitted the requested license and passport at least 4 times by XX/XX/XXXX, the date Chase states they will close the account. 

I have multiple accounts with JPMorgan, mortgage, personal checking/savings, investment, and credit cards and which can be cross-referenced to verify my new business checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
On XX/XX/XXXX I sent out validation Letter to the company whom have been requesting me pay a debt of {$170.00}. On XX/XX/XXXX the company SouthWest Credit (  collection agency ) sent me back on letter that enclosed the account, company, policy number and dates for the coverage they claim I owe. However they have failed to validate this account belongs to me. I am requesting this collection be removed from my credit report with all three CB 's. This is destroying my reputation as a credit worthy individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I now have over twenty five hard inquiries on my 3 major bureau credit report. I didn't apply for all of these lines of credit. I applied at three car dealerships. Only they have my applications and authorization signatures. I think that when I started applying, some form of identity theft began and others began to apply to. XXXX XXXX informed me that I may have been exposed to two different data breaches. I wrote Equifax, XXXX and XXXX  to get these inquires removed and they are refusing to help. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : XXXX XXXX XXXXXXXX apparent amount of XXXX re : account # XXXX ( from equifax credit report as obtained on XX/XX/2018 Credit reporting Agencies : XXXX  and equifax Date Credit reports Ran XX/XX/2018 ( XXXX  ) and XX/XX/18 Called XXXX  XXXX XXXX, no information given other than the account not belonging to me. 
The {$15000.00} from XXXX XXXX XXXX does not belong to me ( new and just starting to build credit ). XXXX XXXX thru inaccurate reporting to XXXX  and equifax caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was an authorized user on a Capital One credit card. I asked to be removed several months ago, XX/XX/2017. 

I have not been removed yet and the primary card holder has allowed the account to go delinquent, which negatively affects my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I discovered a credit bureau report from Ally Bank that 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 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I discovered a credit bureau report from XXXX XXXX that 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 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I've discovered a credit inquiry that I did not authorize and it has damaged my credit.

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 2018-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TriVerity, Inc.
State: TX

Complaint narrative:
Collector has taken on a debt that is doubtful. The original lender, XXXX XXXX XXXX XXXX, only alleged the debt to me this week. I began to research the matter today ( a totaled vehicle that had GAP insurance - alleging additional debt ), and have already received a collection attempt from CU Recovery. 

It is very unethical for XXXX XXXX ( and CU Recovery as their agent ) to attempt these tactics without first allowing legally allowed time for verification of the debt. Additionally, CU Recovery is attempting to collect over {$500.00} more than XXXX XXXX alleged that I owed.

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 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was an authorized user on a XXXX XXXX credit card. I asked to be removed several months ago, XX/XX/2017. 

I have not been removed yet and the primary card holder has allowed the account to go delinquent, which negatively affects my credit.

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 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I visited an in-network physician and paid my normal co-pay of {$50.00}. My insurance provider payed all remaining balances. IC Systems has been harassing me to pay {$720.00} to the physician claiming that payment has never been paid. A collection has been added to my report as of XX/XX/XXXX. On XX/XX/XXXX, I called IC Systems with my insurance agent who stated that the amount was paid by them 100 % and I should have not been billed. IC Systems representative stated that this will be removed and send over a letter stating the removal. On XX/XX/XXXX, I have received a phone call from IC Systems stated that I still owed and no remarks were added to the account and I would never receive a letter stating that the collection has been lifted.

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 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2018 at approximately XXXX XXXX I attempted to place a freeze on my credit report with TransUnion through their website. I clicked the link that said : " Freeze my credit '' and proceeded to fill out the required information on subsequent pages. At the end of it all, I received an email saying I had subscribed to a monthly service for {$19.00} a month. Nothing I clicked on or encountered said anything about a payment, let alone that I was subscribing to a service with a monthly fee. I made numerous calls to TransUnion to correct this but was repeatedly disconnected when I insisted the situation be corrected. All I wanted was to put a freeze on my account- NO other services. I did succeed in cancelling my subscription online but have been charged {$19.00} for a month of services I did not want. At the end of a month the freeze on my report will be lifted, which does me not good at all. TransUnion 's website is clearly fraudulent and misleading when they should be acting to protect consumers, not mislead them. No one should have to pay {$19.00} a month indefinitely just to protect their credit. Who is protecting us from the credit reporting frauds.

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 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've discovered a credit inquiry that I did not authorize and it has damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have discovered a credit inquiry that I did not authorize and it has damaged my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re : Bank of America apparent amount of XXXX re : account # XXXX ( from XXXX   credit report as obtained onXX/XX/XXXX Credit reporting Agencies : XXXX and XXXX Date Credit reports Ran XX/XX/XXXX ( XXXX ) and XX/XX/18 Called Bank of America, no information given other than the account not belonging to me. 
The {$15000.00} from Bank of America does not belong to me ( new and just starting to build credit ). Bof A thru inaccurate reporting to XXXX and XXXX caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.

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