vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XX/XX/XXXX, a fraud was committed against my husband and I. The Hacker got into my husband 's online account and transferred XXXX dollars from his credit card to our personal account, where they then used our checking account to purchase XXXX $ worth of items from XXXX in Florida, several states away. We did not become aware it was fraud until a few days later, when the charge appeared on our statement and went to close the account. The account was immediately close, new cards were issued and new accounts issued. A claim was sent to the Fraud dept. to look over. They denied that it was fraud through the dept. 4 separate times, each time siting incorrect reasoning for denying the claim. I have been calling into the department no less than three times for each claim, so 12 multi hour phone calls have been used to try and get to the bottom of this issue. Each time I am told that I will be getting the XXXX $ back because it was stolen and it has now been over 10 months. Every time I call, I am told that they will fix the problem and that the previous person was misinformed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have 4 accounts with Midland Credit Management and they refuse to work on a pay off they want a down payment of XXXX and I told them I can only do XXXX as a down payment and a monthly of XXXX which is what they asked or XXXX which is what I offered and they refused ... .. They are not working in good faith for a difference of only XXXX dollars that they can break up over into the payments. Mind you THEY OWN THE DEBT which they bought from the creditors .... I refused to be pushed into such a big downpayment, so I hung up on them ... ..PLEASE Help because I want them to accept the settlement and delete this off my credit as they stated they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Went to make XX/XX/2019 payment and was told by Chase Mortgage that my loan was sold to XXXX XXXX. I never recieved any notice or paperwork. Chase states they sent paperwork out on XX/XX/2019, to my home address where I dont get mail and not my PO Box . Chase states they did not have that address yet I have continually receive payment coupons and letters from them at the correct mailing address. I did not get 30 day notice eirther. I asked to have them resent out ... ..I call the new mortgage lender and they did not have my mailing address eirther and have not had any paperwork from them. I did update my mailing address with them and verified it online. I now have to make payments over the phone instead of a brick mortar office ... .will try to day and hopefully all will be well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Went I got the car I didnt want anything on my credit report the rep said all the do is pull the report I asked would it go on my report he said no. So why is it there? I understand if that not the case but its not right and I will be going to the XXXX  if not removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
Focus Recovery Solutions : never notified of the debt. Was notified of amount owed by DR office in XXXX paid directly to DR office in XX/XX/2019 was placed on my Credit Report by FRC on  XX/XX/XXXX in the amount of {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have 4 accounts with XXXX XXXX XXXX and they refuse to work on a pay off they want a down payment of XXXX and I told them I can only do XXXX as a down payment and a monthly of XXXX which is what they asked or XXXX which is what I offered and they refused ... .. They are not working in good faith for a difference of only XXXX dollars that they can break up over into the payments. Mind you THEY OWN THE DEBT which they bought from the creditors .... I refused to be pushed into such a big downpayment, so I hung up on them ... ..PLEASE Help because I want them to accept the settlement and delete this off my credit as they stated they can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has my name sabotaged. They are having everything I apply for denied. Stating delinquency credit card balance too high late. But I dispute them for letting my information. Get hacked in the data breach, they are doing nothing. I have recieved a Letter from them Stating I have no credit e file I have not use any credit in 10 years and trying to make it look. Like Im XXXX. So I applied for a small loan that same day it was denied with information form Equifax. But they just wrote me starting I have no credit file and no history with them. This is a disgrace I am being blocked from credit by Equifax but they never protected my Information and let an unknown data breach occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
XX/XX/2019 - Debt collector shared my information with the front desk over the phone and bashed my character. 
XXXX XXXX with PBCM at XXXX XXXX follow up call for collections regarding your son.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have been trying to unfreeze my Equifax credit report for almost a month, as I am trying to obtain a mortgage. This was a freeze placed by Equifax ( NOT me ) and this delay has caused me financial hardship.

Equifax publishes at least 8 phone numbers to contact them, all of which go to an automated system. Most of those systems do not give you access to a live person, and the ones that provide the option to talk to a person all state that the system is unavailable, and disconnects the call. Even the live web chat does the same. 

I've spent countless hours trying to reach someone ( over the internet, by mail, and over the phone ) to help me do this, as it's holding me hostage and preventing me from managing my financial affiars appropriately. Equifax is literally unreachable, and it's extremely disconcerting to know that they are allowed to operate this way. It seems criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
on XX/XX/XXXX two checks were presented against my checking account. I did not have enough funds to cover the second one ( it was in my other BoA checking account ). BoA did not pay the check and charged a {$35.00} fee when batching occurred at midnight. At XXXX our Direct deposit funds were put in the account. The problem and my complaint is that when I tried to rectify and pay our vendor today ( since the check bounced ) BoA in addition to not paying the check, charging me a fee ( both of which i don't dispute ) they still took the full amount of the check out of my account and said they will not be returned until Saturday XX/XX/XXXX which leaves me with no way to pay our vendor. If you decide not to pay a check and charge of fee for insufficient funds - you can't then also take the full amount? Then at XXXX on XX/XX/XXXX I got an email from BoA notifying me of the overdrawn account and to deposit funds so that items don't bounce ( but obviously that is not helpful nor true as you already haven't paid the check and charged a fee ). This resulted in me not being able to pay our vendor today as you have taken the funds even though you haven't paid the check - i don't think this is fair, you can not pay the check or you can take the funds and pay the check but you can't take the funds and not pay the check!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13 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: CT

Complaint narrative:
I HAVE REACHED OUT TO THE BUREAUS AND ASKED THEM TO REMOVE THE INFORMATION RELATED TO IDENTITY THEFT. I SUBMITTED AN FTC THEFT AFFIDAVIT AND POLICE REPORT BUT THEY HAVE BEEN IGNORED AND THE FRAUDULENT INFORMATION IS STILL BEING REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: CA

Complaint narrative:
Inquiries in my Equifax credit report that do not belong to me, I disputed two different times but they keep saying these inquiries are a factual record so they wont delete them. The problem is that I did not authorize those inquiries. 

I have the impression that these inquiries are in my credit report due to the XX/XX/XXXX data breach. 

These inquiries are : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
Land Home FS is unlawfully asking me to pay the amount of {$15000.00} while accepting there are not pending insurance issues and being aware of the limits shown by the Permanent Modification Agreement. 

When XXXX XXXX filed the wrong foreclosure not only made the false statement that I was in default when I was not as proved in Court on XX/XX/2018, but they also claimed the wrong amount of {$5300.00} when the right amount in the case of a real default should be {$1000.00} ( 6 months by {$170.00} ) according to the said modification. 

For Land Home FS be asking now {$15000.00} is triplicating XXXX initial abuse and by supporting a wrongful filing foreclosure in the hope to bargain that unlawful amount, LHFS is incurring into an intentional wrongful act which involves a legal action that is materially deficient, a real perversion of the legal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: CT

Complaint narrative:
I HAVE REACHED OUT TO THE BUREAUS AND ASKED THEM TO REMOVE THE INFORMATION RELATED TO IDENTITY THEFT. I SUBMITTED AN FTC THEFT AFFIDAVIT AND POLICE REPORT BUT THEY HAVE BEEN IGNORED AND THE FRAUDULENT INFORMATION IS STILL BEING REPORTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: CT

Complaint narrative:
I HAVE REACHED OUT TO THE BUREAUS AND ASKED THEM TO REMOVE THE INFORMATION RELATED TO IDENTITY THEFT. I SUBMITTED AN FTC THEFT AFFIDAVIT AND POLICE REPORT BUT THEY HAVE BEEN IGNORED AND THE FRAUDULENT INFORMATION IS STILL BEING REPORTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I asked this company to provide me valid information that ties me to this alleged debt. They responded with a bill. I dont believe this is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I keep getting denied for a loan modification. I am being told that they cant verify my income. This is not true because I have been sending awards letter from XXXX. 

I have spoken to a representative and they have told me they have had a problem with my taxes. This has been going on since 2016. I need 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
Consumer complaint received 2019-09-13 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: FL

Complaint narrative:
On XX/XX/2019 I called all 3 credit bureaus ( transunion, XXXX, XXXX  ) have asked them to remove all of my old addresses and phone numbers that are on my credit reports they said they would but none has yet to be removed. I have also asked them to remove XXXX  XXXX from my accounts as this is account is reporting incorrectly on to all my credit reports. XXXX XXXX has also been contacted with nothing done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I called all 3 credit bureaus ( XXXX, XXXX, Experian ) have asked them to remove all of my old addresses and phone numbers that are on my credit reports they said they would but none has yet to be removed. I have also asked them to remove XXXX  XXXX from my accounts as this is account is reporting incorrectly on to all my credit reports. XXXX XXXX has also been contacted with nothing done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
FRAUD ALERT on my credit file REMOVED. To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. I do not wish this fraud alert maintained on my credit file. Please remove it immediately. To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. In accordance with the provisions of FACTA, I  hereby request that I be sent, at no charge, a copy of my credit report. Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: TX

Complaint narrative:
I tried pulling out my credit score from 3 credit bureaus and two companies show my credits scores ( XXXX  and XXXX ) but Equifax does not show anything, and it shows to call their number whenever I try to log on with my credentials ( attached the screenshot ). But even after inputting my social security information and everything they just kept saying they do not have my record. They should also have the record since 2 other companies have been updating my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I got a car loan through American Credit Acceptance late 2012. Since then it just seems like this company has lied & hustled me into paying additional money. I submitted a request earlier this year that I still have not received a response for. I truly believe they are misrepresenting themselves & applying my payments incorrectly. I have paid the same {$25.00} late fee about 4 times & was not delinquent when paying. They refuse to send me my original loan contract ( which I have asked for 3x now ). They either tell me " no, we can not send it ''. or they agree to send it via fax, mail, or email, but I never receive it. I tell them I haven't received it. They have told me multiple times incorrect information about how the payment is allocated, then when I speak to another agent they give me a totally different answer. I even had a manager be extremely abusive while not answering any of my questions. She proceeded to scream at me after I asked her many times to stop being disrespectful because I was just confused on their payment processing. Today they advised me since I deferred so many payments that I would need to pay the balloon payment within 2 days to avoid repo. If I had never escalated to a manager to complain I would have never known I needed to make a balloon payment. I even asked them specifically on a previous call 'since I deferred so many payments what is my new maturity date '? I also asked 'was there anything additional I needed to do ' pertaining to this same situation. There was no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My identity was stolen years ago when I lost my wallet in the parking lot of a theater. I took all the steps necessary to alert everyone of what had happened, however, sometime after this happened I began to get debt collection calls from different agencies. But I didnt know what to do about it, and I was able to get along fairy normal after this. Earlier this year, though, I learned how to combat identity theft. I submitted all the paperwork necessary to the bureaus to let then know what had happened with my identity. Most of the fraudulent information has been removed. However, there are still two accounts on my XXXX report that have not been removed. It has now been about two months since I first sent out paperwork to the creditors and to the bureaus, and nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
FRAUD ALERT on my credit file REMOVED. To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. I do not wish this fraud alert maintained on my credit file. Please remove it immediately. To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs.

Company response to consumer: Closed with explanation