vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Deposit XXXX via mobile deposit from a settlement that ive been waiting on for months. Deposit check  on XX/XX/XXXX wont be avail for XX/XX/XXXX. Not acceptable at all. I feel like they are gaining interest while its on hold and should not take that long for a check to clear. If that was the case i should've just cashed it. Somewhere else. Numerous customers are having the same issue. I just want my #

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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2019-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
Getting a payday loan was the worst mistake that I ever made in my life.The finance fees are outrageous and not affordable.The company takes basically my entire pay, I am a single mom who pay check is completely gone due to this fact.I don't even have gas in my car for work what am I suppose to do at this point .Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
This company has not answered yet my previous complaint # XXXX I am resuming here the status of the complaint : I signed with Bayview Loan Servicing LLC the attached PERMANENT MODIFICATION LOAN AGREEMENT in XXXX that shows I was complying with the modification terms and never being in default as proved in Court in XX/XX/XXXX. Bayview filed a frivolous foreclosure on XX/XX/XXXX against my home claiming amounts out of this modification ; Bayview sent innumerous harassment letters almost two years prior to the filing of the frivolous foreclosure, always claiming unlawful amounts out of the above modification. 
After 21 months have passed Bayview hasnt rectified their position yet ; they transferred the Service on XX/XX/XXXX to XXXX XXXX who also transferred the service to XXXX XXXX XXXX on XX/XX/XXXX. 

Notice of error was sent to Bayview

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
When I was a teenager, my mother opened an internet and cable account with XXXX XXXX using my name and social security number. I was unaware of her actions, and she never once told me she had done so. 

Sometime in XX/XX/XXXX I received communications from a debt collection agency, XXXX XXXX of XXXX Florida regarding an unpaid debt with XXXX XXXX. After our initial contact, I spoke with my mother about this debt. She admitted that she had opened the account, and had never paid the final bill after moving. As such, I was stuck with the remaining debt and collections that were now added to my credit report. 

I contacted XXXX XXXX again in XX/XX/XXXX, and paid the balance of {$110.00} in full to avoid any more negative history on my credit report. At this time, I requested to have this negative remark removed from my report, which was promptly denied. 

This negative remark on my report caused issues while applying for various lines of credit in the years XX/XX/XXXX and XX/XX/XXXX, which pushed me further into a financial sink hole, while I was trying to fix and rebuild my credit. I contacted XXXX XXXX again during this time period, and was once again denied my request to have this negative remark removed. 

Flash forward to XX/XX/XXXX, and I am finally learning the ins and outs of how credit works and I am actively making sound financial decisions in order to build a solid credit history. This negative remark on my credit history, which is due to no fault of my own, is causing issues with my current credit health again as I am trying to access and utilize new lines of credit. 

I contacted XXXX XXXX a third time on XX/XX/XXXX in an effort to have this negative remark removed from my credit report, and was again denied.

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 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I've been filing complaints relating to fees charged to accounts opened as a result of Wells Fargo high-pressure sales tactics in order to boost profits for their executives, I requested a refund of remaining fees and was denied recently. It appears Wells Fargo rather remedy the issue than resolve it by providing small refund amounts of {$50.00} and most recently, {$120.00}. As I've explained and according to what the attached statements show, these remedy amounts do not cover total fees, namely overdraft fees, which I was charged a total of {$870.00}. I was refunded a total of {$260.00} thus far. This refund total includes {$85.00} received from Wells Fargo settlement pertaining to their high pressure sales tactics. I requested a refund in the amount of {$610.00}, remainder of fees, in a prior complaint as well as through Wells Fargo mediation solicitation received recently, have not heard back in reply to my request. However, I was denied refund through complaint, their medication dept has not gotten back to me as of yet. Further, I requested an accounting of fees charged to said accounts, it does not appear my request was honored. I believe my refund request in the amount of {$610.00} is fair, not including monthly maintenance fees. This is a final settlement amount which will resolve any and all claims/complaints related to and thereof, failing to honor this request will result in additional complaints filed through other agencies.

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 2019-06-18 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: U.S. BANCORP
State: UT

Complaint narrative:
I opened a credit card with US Bank/ XXXX Mastercard several years ago. It is my understanding that monthly billing statements are to by law to be sent out 21 days prior to due date. For several years I repeatedly did not receive bills from this one company on time, many times receiving them a week after the due date. I repeatedly had to fight them for late charges and paid late fees several times as a result. This is the only credit account out of a dozen accounts I have that I have had this problem with.

I repeatedly verified my address with the company and they always had the correct address. I am currently trying to fix these errors on my credit report. The account representatives at XXXX Mastercard have told me over the phone they will not correct my information on file with the credit reporting agencies, and the disputes department puts you on hold for 45+ minutes when you call to try to fix the problem. I have hired a company that disputes accounts but they have not been successful either. 

Based on my experience with this company, I believe I am not the only person having problems with this company. I do not use the card very much anymore as a result of their poor business practices but would still like the three negative items on my credit report removed from by this organization. 

Thanks for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT 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 2019-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OK

Complaint narrative:
I am a XXXX XXXX serving in the XXXX XXXX  XXXX and leased a vehicle while I was on leave in New Hampshire from XXXX XXXX XXXX XXXX located in XXXX New Hampshire on XXXX/XXXX/2018. This was a lease for a brand new vehicle ( XXXX XXXX ) and is supposed to be under warranty. The clutch got damaged and when I took it to the XXXX dealership where I am stationed here in XXXX, OK ( XXXX of XXXX ) they told me that the warranty is only covering the parts, not the labor because the damage was my fault. I have been driving a standard vehicle for a long time and have never had a problem like this. The vehicle is supposed to be 100 % covered under the warranty and I shouldn't be liable for labor because according to the mechanic, " I must have done something to it ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeatedly disputed an account with Experian for creditor XXXX XXXX/XXXX Account # XXXX. Experian has acknowledged that the information submitted by the creditor was submitted in violation of the FCRA Guidelines for reporting a debt to the credit bureau and has maintained that I must continue disputing the item with the creditor directly. I have sent letter and outlined the violation to both Experian as well as the creditor and the item has remained unchanged on my credit report. According the the FCRA 15 U.S.C. 1681c ( 1 ), a collection agency is required to observe a 180 day period prior to reporting to the credit bureau. Experian has acknowledged that the credit received the debt XX/XX/2018 and began reporting the debt to Experian XX/XX/2018. Even with information provided, the statutes of the FCRA and acknowledgement of the violation of the dates reporting, Experian has continued to reject the statues of the FCRA, has continued to report inaccurately and continues to direct the consumer back to the furnisher of the data.

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 2019-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: AZ

Complaint narrative:
according to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Dynamic Recovery Solutions is engaging in said violations of latter federal statutes. Dynamic Recovery Solutions is trying to associate me with an account that is over 15 years old that I do not owe. Number one the statute of limitations on a debt is 6 years, and number 2 this is not my account and I have no knowledge of this account. I served in the military and my social has been fraudulently been used over the last 20 years illegally, and I have repeatedly filed police reports to back that up. I do not owe any money to this alleged account, as I do not and have never had a XXXX XXXX account in which I owe any past due monies. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XX/XX/XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The company Mr. Cooper said I they do not see benefit for my getting the modification. Now they are requesting the full amount we are behind $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Rushmore under an assignment received a defaulted loan secured by the property located at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, New York XXXX. I was sent a foreclosure notice dated XX/XX/XXXX under index number XXXX. The owner XXXX XXXX was murdered on XX/XX/XXXX, and we are now approaching two years and four months in which the debt collection company Rushmore has refused to accept my XXXX XXXX rental payments which now total XXXX which leave roughly XXXX left of the outstanding debt. What concerns me is that Rushmore is acting as a debt collector in name only, because for two years and 6 months no foreclosure documents can be found in the XXXX Supreme Court. I fear that Rushmore is attempting to use its name to prevent the property from complying with state law under NY Public Auth Law 2429 and NYC Administraive Code 11-243. They're a conduit used to shield property required to be listed as rent stabilized. They keep writing me stating they can't discuss the loan, but I need repairs. How long can they keep acting like a debt collector ; who doesn't collect the rental income?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TN

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I have a derogatory mark on my XXXX credit report stating that is accurate and it got sent to collections. However i was never notified about this debt at all and never received the bill. I would like to address this immediately and get this negative remark removed from my report. The original creditor i never did business with them. My id and ssn card was stolen along with my wallet so this is also an act of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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 — Problem with personal statement of dispute
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I applied at Region 's bank in XXXX, Alabama for a line of credit. My credit score at that time according to XXXX was XXXX, my credit score on Experian was/is XXXX. 

Region 's Bank denied the loan based on a false credit score of XXXX. I have never had a credit score of XXXX. I have gone to the bank and tried to find out what the problem is. First I was told that I must be mistaken, then I was told that the underwriter said that it was our problem. The branch Manager XXXX XXXX, has not been able to answer my questions. I was told by XXXX this past Friday evening that he would talk to his boss about this. Since that time I have heard nothing from Regions. I believe this is defamation of character and falsification of records. I can not have the same credit score I had because it has taken a hit from Region 's. My credit score is devalued. Please look into 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 explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I assist my elderly aunt with her finances. She has given me power of attorney for all her financial and business dealings. Additionally, she recently added me as a co-trustee on her trust account. I am attempting to close her accounts with Santander bank. We have had nothing but problems with this banking institution by the way. I brought the co-trustee documents to them for me to be added so I could close the account. I had also provided the POA to them at a previous point when I closed other accounts but they did not retain this and it was not on file. After spending 1.5 hours at the branch I was told that my aunt would have to come in. I asked XXXX XXXX ( XXXX MA branches ) if he could speak to a manager. He called me back and said it's easier for me to bring my XXXX, elderly, frail aunt in to the branch to close the account than for them to process the documents. I then called him back ( XXXX ) and asked him to clarify why she would need to come to the bank. He said she has to be present for them to add me as a trustee so she might as well just close the accounts then. All of the documents provided to the bank were prepared by a lawyer. I was able to manage my aunts banking at other institutions by just having her sign some forms but she didn't need to be present. Help!

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