vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I dispute the accuracy of my credit report and received a letter from TransUnion stating that my information had been verified and that it would send a copy of the corrected report to the business which had received the inaccurate report. However, when I called the toll free number and provided by file number, the employee refused to send the corrected report that I had been promised. This is very irritating.

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 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: Ditech Financial LLC
State: VI

Complaint narrative:
In XX/XX/XXXX, I requested that XXXX conduct an investigation into the false reporting being Done by my mortgage holder, Ditech Financials. Ditech Financials had been falsely reporting to XXXX, that beginning in XX/XX/XXXX and ending on XX/XX/XXXX, I had been defaulting on my mortgage note. As a result of this false reporting, my credit report precipitously decreased from XXXX down to XXXX. If Ditech had done any sort of investigation, it would have learned that my mortgage was paid automatically by my bank before the XXXX of every month for the entirety of the loan period. It would have learned that Ditech had been misapplying the payments to another mortgage account I held. Ditech did not have a proper accounting and servicing system that would and should have prevented Ditech from misapplying funds from one mortgage account to another, particularly since the funds had been paid automatically by my bank for the duration of the time Ditech serviced both loans. 

Instead, XXXX simply changed my credit report to closed and transferred to XXXX which had assumed the mortgage from Ditech. I disputed the matter with XXXX which ceased the false reporting and conducted an investigation. It's investigation caused Ditech to repay the monies to me and I in turn paid the monies to XXXX which brought my loan current. XXXX was unable to fix the false reporting of Ditech, its predecessor. XXXX violated its investigatory responsibilities of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XXXX of 2019 I received 2 warrants in debt from Bank of America one stating that I owe them {$3500.00} on one credit card and another stating that I owe them {$3400.00} on another credit card. I filed an Identity Theft Report with the FTC and contacted Bank of America. After speaking with 5 different people at Bank of America they stated that they will investigate and I have heard nothing back. I contacted their attorneys and showed up for the first court date. I sent all documentation to Bank of America asking them to show proof that I opened these accounts and have not received anything back from them after 30 days. I sent the report to all credit reporting agencies and they have blocked it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2019 Mr. XXXX XXXX, Senior Investigator with XXXX XXXX left me a voicemail stating that I needed to return his call immediately. When I called back to the number provided, it was XXXX XXXX XXXX, a collection agency. 

I did not think and deleted the message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid mY Macys account in full XX/XX/2019 I also made my monthly payment before I paid it in full XX/XX/XXXX. I paid XXXX my account credit limit was 1,000 they decrease my limit to 300. Its paid in full and they still have not reported it to the 3 bureaus o called and they told me another department handles that and I could t speak to them. This is clear sabatoge decrease my limit then I pay them in ful they dont report it. Shows I have used 96 %. Of my credit to keep my score compromised. I want it report as paid in full on all 3 reports

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 2019-07-15 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: AZ

Complaint narrative:
I was charged a foreign transaction fee for a transaction that was US based. Bank of America does not allow email or chat. Their automated phone service looped around and would never let me speak to an agent. It said i wanted my account balance ( i did not request ), then it said I wanted information regarding their veteran programs ( I did not ). I've been dealing with this for over a week now, and can not get anyone at Bank of America.

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 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/19 I received a text from a company named XXXX XXXX. XXXX from Georgia. We had hired this firm to watch any scams that may effect our computer system about ten months before the actual scam took place. They said they were going out of business and wanted to give us back {$400.00}. dollars but I needed to be at my computer so they could put it in my account. I was at my computer when a man named XXXX called me from phone number ( XXXX ) XXXX. I was unable to use my mouse and he controlled my computer right away. He had a white piece of paper on my screen called notepad. He asked me to type in XXXX I was unable to do it. He typed in {$4000.00}. and said that was wrong. He tabbed down and typed in {$40000.00}. and told me that I was stealing their money? I was then told that I had to go to my bank, Wells Fargo and send a wire transfer to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX. Account number XXXX. Accout type : Savings. I was told to send {$39000.00}. as an International wire transfer to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. If I said anything to the bank that I was being threatened they would take all of my money from my account which at the time was {$65000.00}. I did as I was told thinking that they would leave my money alone. The lady at the bank, XXXX XXXX XXXX asked me if this was a good transfer. I was afraid to say anything as I was being threatened. She thought it may be a scam and put a hold on the balance of my money left in my account. I feel that the bank could have done more for me and flagged the transfer somehow so they could make sure it was not a scam. Wells Fargo has closed this issue and told me that I would not be able to get any of my money back. I am XXXX years old and have never been threatened before. I would appreciate your help in perhaps getting my money back as it should be insured. 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 explanation
Consumer complaint received 2019-07-15 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Paypal Credit/Synchrony Bank makes offers of 0 % APR for purchases over {$99.00} if paid-off in 6 months and 0 % APR for purchases over {$600.00} on XXXX if paid-off in 24 months, the latter by invite received via Email. I currently have one ( 1 ) of the 24-month deals active and four ( 4 ) of the 6-month deals active. 
I pay my monthly payment expecting each deal to be paid so that the balances will be paid-off when the time period expires, i.e., the 24-month deal should be paid 1/24th of the original purchase amount, and each 6-month deal should be paid 1/6th of the original purchase amount. In total, I am paying that amount. 
Instead, my payment is applied entirely to the 24-month deal and nothing is applied to any of the 6-month deals. Such action will retire the 24-month deal far in advance of its expected end date, leaving me liable for all the accrued finance charges on the 6-month deals when they aren't paid-off at the end of 6 months. 
I discussed with Customer Service and my XX/XX/2019 payment was reallocated as I dictated to them, but now my XX/XX/2019 payment has again been applied in its entirety to the 24-month deal.

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 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I called Portfolio Recovery to pay delinquent balances. They referred me to XXXX XXXX XXXX XXXX and stated they were in charge of the accounts. when I called XXXX XXXX XXXX they stated that since I was XXXX XXXX they could not accept payment and were closing my account and sending it back to Portfolio Recovery. I called PR again and was transferred multiple times until I reached the Vice President of Litigation who claimed that they did not have the authority to speak to myself or XXXX XXXX my accredited Financial Counselor about my two accounts and that they were also refusing payment. I Told them that if both companies were refusing payment than I had no choice but to consider my account paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Saturday XX/XX/2019 we had fraudulent activity on our savings account. Someone we do not know transferred {$2000.00} out of our savings account using XXXX into their account. We have never used XXXX and our account shows that the only time it was ever used was on XX/XX/2019 when the fraud took place. We contacted our bank ( Bank of America ) on XX/XX/2019 to report the fraud/transaction. The fraud department is not open on weekends and therefore B of A is saying that our claim was not entered into their system until that Monday XX/XX/2019 and that they could not stop the transaction. Bank of America is saying that they have closed our claim based on their investigation, but has failed as of today to send the information used to come to this conclusion to us the customer when we requested it be overnighted to us via XXXX or XXXX on Tuesday XX/XX/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 2019-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: FL

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Nurse Practitioner, XXXX XXXX, billed my medical insurance company, Florida XXXX XXXX XXXX XXXX for Ms. XXXX treatment for my XXXX injury at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Florida XXXX XXXX and XXXX XXXX, denied the claim because XXXX XXXX refused to provide additional information they requested to further process the claim. XXXX XXXX later turned it over to a collection agency after they had been notified by the insurance company and me that additional information was needed. The claim has now been posted as an uncollected debt on my credit bureau reports. Florida XXXX informed me that I was not responsible for that insurance claim and bill since the company and the nurse practitioner failed to comply with their request for additional documentation as they are an in-network provider for them. I have also filed complaints with the State of Florida Attorney General 's Office, the Florida Agency for Healthcare Administration, Florida Board of Nursing, and the State of Florida Chief Financial Officer 's Investigative Bureau. 

I find it rather strange that you and your company will not work with the hospital or Florida XXXX XXXX and XXXX XXXX in resolving this matter. HCA Ethics and Compliance representative, XXXX XXXX, contacted me on Friday, XX/XX/XXXX stating someone from XXXX XXXX would be getting in touch with me. They can not determine what happened either and were calling me for documentation when they could not obtain anything from your company. It is now Monday afternoon, XX/XX/XXXX, and I have not heard anything. We are trying to restore our home following extensive damages sustained from Hurricane Michael. We had to withdraw our mortgage loan application for additional funds because this is reported as an uncollected debt on my credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
For Years, Ive had an escrow account with T D Bank to pay my real estate taxes and homeowners insurance in XX/XX/XXXX. 
I was notified in XX/XX/XXXX by T D Bank that I had no Insurance ( not true ) and they will provide their insurance at an additional {$2000.00}. 
I called my broker and he said my policy was going to lapse if it was not paid ion 7 days. It turns out, T D bank never released the funds. I thought I had it straightened out so I paid my broker with a credit card and he will reimburse me when the payment in full comes form T D Bank. 
It never came and then I received a notice of cancellation for non payment. 
T D bank appoligized and turns out they only made a partial payment that was due at the moment. I got another notice of cancelation and I paid the balance in full. 
Along the way of trying to resolve this I signed a form for T D Bank to stop taking money from my checking account to the escrow account andI will pay my insurance next year on may own and to refund me the difference that they never paid this year. 
They continue to keep my money and they are still deducting money from my checking account for my next years insurance premium. Once again, XX/XX/XXXX, ( see letter from XXXX XXXX ) I tried to get this straightened out and Im told, I will receive a full refund of non paid premiums and any deduction for payment for XX/XX/XXXX within 3 business days. 
No Refund and another deduction in my account for XX/XX/XXXX towards the XX/XX/XXXX Policy They are stealing my money, lying about refunding it to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
On XX/XX/2019, I received an email from one main financial stating I could borrow an additional XXXX. I currently have a loan with them that I have been paying on for 2 years or so with no late payments. Before I could call the number, a customer service representative called me from one main and asked me about applying for additional monies. I provided her with my information and she said since tomorrow is a holiday, you should hear back from them on Friday. Typically it takes about an hour for a decision so if you want to call back in an hour or so you can do that. I did not call back but I received a voicemail stating my loan had been approved and that I needed to call back and schedule a time to come in and sign my papers and close the loan. I called the office back here in XXXX Georgia and the man cleared his throat after I said hello I am returning a call to XXXX. He said this is him. He then verified who I was and then stated, " they could not do anything for me '' .I said " excuse me? you left a message and stated my loan had been approved ''. His response was oh that is protocol. I explained to XXXX they need to be retrained because you should not call and provide false information to customers. He was not receptive to my response and so I knew at that point they were not going to loan me anything ; not even their time. He told me he would look into and call me back. I never received a return call from XXXX. The following week, I spoke with XXXX to get an update and she stated they can't do anything because of my budget. She asked me if I had additional income and I stated yes. She provided me with an email address and I faxed over additional paystubs. She still did not call back and I asked in the email to reply so I will have confirmation that the email was received. I called back and again XXXX stated " we can't do anything because of your budget '' and the call ended. I then looked up their corporate office because I wanted to understand exactly why they offered the loan and once I called in, they could no longer offer the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-07-15 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 FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-07-15 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: IL

Complaint narrative:
My FICO dropped on my two XXXX cards. Called both card customer service # s and was told they did not have that information. One said Equifax was the reason. I called Equifax customer number and spent 30 to 40 minutes trying to get information on my report. Never got any answers just a parade of questions indicating they didn't have any information. This company made me feel that I had ingaged in mission impossible. Was is it so difficult for that actual customer to get this information XX/XX/19

Company response to consumer: Closed with explanation