vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received an offer from BOA ( access checks ) to help reduce higher interest rates on Credit Credit Balances. I have used this program before along with many other banks and financial companies. 
The offer from BOA was for a 12 month 0 % interest rate with a 4 % transaction fee. In XX/XX/XXXXI deposited a check to myself in the amount of {$14000.00} with a {$560.00} transfer fee. 
Once the transaction was processed I proceeded to pay down other bills incurred with higher interest rates. I continued to make {$1000.00} payments to my account with BOA to reduce the balance and insure I would have paid off the {$14000.00} within the 12-month period. 
Sine I make these payments online it never occurred to me that I was incurring interest each month at a rate of 26.99 %. This threw us for a loop. I immediately called the 800 number to hopefully rectify the problem. They did not nor could not resolve the error. I went to my local branch for assistance. The representative was professional and polite however after contacting the corporate office they advised us that I could not deposit the funds to myself. I could not believe what I was hearing. I explained to them I did not see or read anywhere in the documentation with the offer that was the case. According to them I was exempt for depositing funds directly into my 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 2020-07-29 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:
Hi CFPB!! Please forward the following documents to XXXX XXXX. I'm also including Equifax, since it is the only credit bureau that shows account. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My PNC checking account has been linked to my XXXX account for XXXX years. Today while trying to complete a transaction on XXXX I received a notification asking me to verify my bank information. After verifying the information, I received a message saying that PNC has made a change that prevents me from being able to link my bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MRS BPO, LLC
State: DE

Complaint narrative:
A local electric utility, charged me for months with readings from my neighbor 's meter. The probleme was investigated and the balance corrected after a lengthly complaint process with the Delaware Regulatory commissioner. On the phone, they promised to correct the issue. I demanded to have a new invoice, showing new balance. This was in XXXX. I attempted to pay with a credit card the corrected invoice, but could not, unless I provided my social security number - which I refused. Not until XXXX, when I tried to acquired a car that somehow, the balance shows up on my credit report. Reported by an agency OUT OF STATE. So I undergo a rate abuse!!! However, on a $ XXXX loan, which I paid off quickly and by same reduce insurance coverage. The entry goes away again, until this XXXX, when I began exploring a mortgage. I located a home and wanted a pre-qualification letter. XXXX XXXX ' said the high school drop out mortgage originator! 
Here 's the XXXX email : " XXXX XXXX. Per our conversation today, I am not able to issue a pre-approval. If we did the first time buyer program, I would need to base your income on what you reported on your last 2 years tax returns. If we didnt use the first time buyer program the rate would be 5.25 % based on your score of XXXX. I am sorry, but I dont have enough income based on the documentation provided to get you qualified to purchase a house in the {$180000.00} price range. Let me know if you have any questions. Thank you, " The XXXX score is made that low because of one credit agency only " XXXX. '' Who refuses to correct the derogatory entry from the utility. The other 2 agencies made the correction. XXXX, is more interested in selling me " protections I don't need! 

Please find attached a document showing a self-assessment on a the above mortgage. The guidelines are all in there ... Please help solve this woodoo. The bigger issue for me is to have a place where my 15 yo son, could come visit in, and learn to be a man, because at this point, he's the copy of his mother!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a mortgage with XXXX bank out of XXXX, Ohio. I have been trying to pay off the mortgage over the past six months with large payments of {$10000.00} to {$15000.00} as my bank CD 's mature. 53 has repeatedly refused to credit my payments to the principal and kept using part of my payments for forthcoming regular mortgage payments despite my clearly stating on the checks that these payments were solely to reduce the principal only. This resistance to customers trying to pre-pay mortgages is apparently a regular business practice of this bank as other complaints to sites like the XXXX also note they vigorously resist pre-payments. Most recently I made a payment of {$15000.00} via a check which was cashed by them on XX/XX/20 and has cleared my bank and they failed to credit this to my principal or anything else. They first admitted a mistake, but have never fixed it despite repeated written complaints and telephone calls to them. Essentially, as it now stands, the existing circumstances is that they have stolen {$15000.00} from me. I am aware of your pending lawsuit against them for deceptive practices and this kind of act by them seems to fall right into a similar category.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX CHAPTER XXXX BANKRUPTY DISMISSED XXXX US DEPED XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} US DEP ED XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: AL

Complaint narrative:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: MO

Complaint narrative:
A collection appeared on my report on XX/XX/2019, and they are demanding {$5200.00} in which i do not owe. i am not sure where this came from or what this is but it is significantly affecting my reputation. this must be investigated and fixed. there are several other accounts involved also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Automatic Data Processing, Inc.
State: TX

Complaint narrative:
My income tax check was deposited into an account connected with the ADP My Wisely payroll card. It was deposited on XX/XX/XXXX and has not been put on my card as of this day. I've been calling and searching to no end on where it may be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received a refund on XXXX from XXXX to closed account with chase. XXXX stated that refund has been received and hasn't been rejected by chase. Called chase several times providing information in regards to the refund and was informed no transaction have posted or attempted to post but received a reference number from XXXX showing chase has accepted the fund and haven't issued a refund to me in the amount of the credit from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I have made numerous attempts at reaching Money Lion, so many Ive lost count. Ive also attached a copy of my phone records and highlighted each attempt made, with no resolution. Under-stably coronavirus has delayed a lot, and with that comes long hold times. However Money Lions hold times are unbearable. To that end, Ive attempted to chat in and receive assistance with my account to which they conveniently turned the chat option off and advised customers to call in. My issue is that Ive tried to update my payment method for my {$21.00} payments to be withdrawn from and have had no success. Their app has been formatted to make you call in for assistance if you havent made a payment within at least a couple days of your scheduled payment date. I finally get in touch with someone, and get my payment updated and my payments withdrawn. Money Lion in turn reported me 30 days late on a payment, which is completely  false! If they have representatives working to report to the credit bureaus late payments then they should have no problem hiring more associates to pick up their phones. The representative I spoke with sent me a template that offered no solution and I requested a supervisor. The rep advises the supervisor will reach out within two days. Four days go by and I reach out yet AGAIN via chat, to have a paper trial of this entire fiasco. The rep then tells me another supervisor will follow up which Im stuck waiting again! A supervisor by the name of XXXX reaches out, and repeats exactly what the first rep told me. No initiative put in to address my concerns, didnt look into anything, just a simple copy and paste of exactly what the first associate stated. The disturbing thing is how they have my old account listed on the payment history, but they magically got the correct debit card number on file to draft my membership fee from in XXXX. This business has the most deceptive practices known to man. An investigation needs to be launched into how they operate. They reported me 30 days late for the amount of {$80.00} however I only pay {$21.00} every two weeks. Therefore the amount technically speaking would be for {$40.00}. Customer service is just there, they serve no real purpose. Supervisors dont supervise anything, they just reiterate what a precious representative below them advised. Ive requested an executive member to reach out to me in three separate emails and the supervisor XXXX has made every attempt NOT to get me connected. So XXXX XXXX cant assist me with my issue, but also cant connect me with an executive. It is my sincere hope to have my concerned addressed with the proper attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had looked into what the cares program was about on the wells fargo website. But never gave authorization to enter the program. About a month later when I saw that my payments were not going through I thought wells fargo was automatically deferring all payments for everyone because of covid. Now seeing these storylines coming out about wells fargo entering people into the program without their say so I realized they illegally entered me into the program

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 2020-07-29 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$2800.00} XXXX  XXXX {$460.00} 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 2020-07-29 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$2800.00} XXXX XXXX {$460.00} 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 2020-07-29 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: OH

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT ED XXXX XXXX {$3700.00} DP EF EDUC XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a  home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent letters over 60 days ago to this bureau Experian and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this. Now they are saying I didn't write my own dispute. In there own words " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I'm angry because they don't want to handle the incorrect information that's reporting on my credit report. I WANT THIS HANDLED NOW! I provided everything they needed. There shouldn't be no excuses why this should not be handled properly.

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 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
XX/XX/2018 my tenant called XXXX XXXX  XXXX XXXX of XXXX XXXX, CA to fix a part in a range. I was given the parts and labor cost over the phone and authorized the work. Work was performed on XXXX. I then received a bill with an additional 'service call ' fee of {$110.00}. I did not authorize this fee. I called payment in for invoice # XXXX for the parts and labor, XXXX XXXX XXXX  advised they have a fee for the service call. I advised that I did not authorize that fee but that I did authorize work and parts and paid for those services in full. They called a few times to collect this service call fee later. Each time I described that I never authorized that " call fee '' and they stated that this was their policy and that the fee still stands. I never knew about this fee before the work and therefore will not pay. It's unlawful to ask me to pay for something I did not authorize. If they had a service call fee, I would have found another company to take care of the repair. Now, I am having major credit issues because they feel they can charge fees without authorization. It's a horrible way for them to do business and they should be penalized for the way they handle their practices and not inform their consumers before work is done. Instead, I have credit issues over their negligence and a life-time of good credit has been tarnished.

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 2020-07-29 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 have reviewed my credit report and there is information that I have discovered which is not mine. I would like to immediately dispute and have investigated. The accounts that are on my account that are not mine are : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fadv/Resident Data XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and remove them once its confirmed that they are not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2020-07-29 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: OH

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT ED XXXX XXXX {$3700.00} DP EF EDUC XXXX {$2600.00}

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 2020-07-29 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: OH

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT ED XXXX XXXX {$3700.00} DP EF EDUC XXXX {$2600.00}

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