vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from TJX /Synchrony Bank XXXX I reached out to creditor to advised them I have know knowledge of opening TJX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. Synchrony Bank has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXX AM I made one last attempted to resolve issue with Synchrony Bank and I decided to give them a phone at XXXX. I spoke with a representative that advised me that Synchrony Bank had sold account back on XX/XX/2018 to XXXX XXXX. 

Synchrony Bank has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Ally Financial ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with Ally Financial is still currently reporting on my XXXX   credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am attempting to complete a rollover distribution from my Wells Fargo 401 ( k ) account. I contacted Wells Fargo Retirement Services on XX/XX/2018 and was told that I needed 10 pages of notarized paperwork with a copy of my identification in order to do so. I spoke at that time to " XXXX '' in Distribution Services, who was to email paperwork but never did. On XX/XX/XXXX, I spoke to XXXX with the same result. On XX/XX/XXXX, I spoke to XXXX and finally received the paperwork. I completed it, had it notarized and mailed it back as instructed ( there is no email option ) on XX/XX/XXXX. On XX/XX/XXXX, having received nothing, I contacted the company again and was told by XXXX that the paperwork was never received and I would have to redo it. I have not encountered this level of bureaucracy and inefficiency with any other plan manager. In fact, I have done all other rollovers completely via telephone. I refuse to continue to pay for notary services and to make matters worse there is an after tax amount being held hostage by this company as well. I have been laid off and could definitely use those funds. I will not comply with an egregious request for something completely unnecessary and simply want the funds mailed to me for rollover. 

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 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: MO

Complaint narrative:
I applied for an account under a promotion and have completed all the required steps. I have reached out to them multiple times and they have not reconciled the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
on XX/XX/XXXX I ran my first XXXX XXXX inquiry and discovered 3 accounts that were never set up by me. I did not know how to resolve the issue, so I made payments for the first time that next month, from my personal checking account in order to not ruin my credit and called and closed those accounts and reported them. I continued to pay on them while I investigated and tried disputing them. I discovered, through some time and law enforcement investigation that I have been the victim if identity theft. I filed a police report and an investigation was started and sent to the prosecutors office. It is probably international, so they did not pursue. I have a copy of the police report filed on XX/XX/XXXX with XXXX County Sheriffs office. These accounts have been open and paid for for years without my knowledge or consent. No paper bills were ever mailed here until I requested them. No payments were made from my accounts until I discovered the accounts on XX/XX/XXXX ( I believe ) There was a fraudulent XXXX account, linked to XXXX and light coins that was used to pay for these credit cards. that was closed and resolved immediately. I never signed an agreement to open these credit cards. I have spent over a year disputing these 2 Bank of America accounts. At first I was told it was resolved and then they changed their minds. I have spent thousands trying to keep a good credit rating and have spent countless hours on the phone with them disputing and trying to repeal the denial. I have provided Bank of America with the police report and proof that the account used to make payments on the Bank of America credit cards was fraudulent. I provided them with this TWICE, as it was 'lost ' the first time. I have not attached any documentation to this, as I have already provided it to Bank of America twice. They should have it. 
I believe I have fulfilled all of the requirements and I continue to cooperate. However, I was told I could look to you for help resolving this issue. I feel like I have had no choice and I'm losing so much for an account charging things that I have never heard of or seen! 
Thank you in advance for your help, XXXX 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 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
On XX/XX/XXXX I received notice from XXXX XXXX that one of my accounts had been closed. 
Looking into this I discovered that First National Bank of Omaha had indeed closed my {$3000.00} credit account with a {$0.00} balance. 
I have had this account open for 6 years with an absolute flawless pay history ... .matter of fact I have a flawless pay history on all of my credit accounts. 

The reason I was given is that they use an automated system that determined they needed to close my account due to high balances. 
The {$3000.00} account that was closed pushed my utilization up to 56 % where it had been below that number. 
The reason I was given by Bank of Omaha was that they felt I was over extended and did not want to give me a chance to owe them any money and then not pay them so they closed my account before I had a chance to do that. 
Now I have a flawless pay history on all of my accounts ... revolving and installment and Mortgage. 
No reason to ever think I would not pay. 
Matter of fact I use my credit wisely and often pay off big chunks at a time, but really that is niether here not there. 
Because of this account closure ... ..that is 6 years old and flawless ... .they have hammered my credit scores by more than 40 points. 
Age/History makes up 35 % of your score. Now my scores have plumetted to the 660 range and this could cause a chain reaction down the line where other creditors might start cutting limits which will in turn drop my scores even further ... 
I had something similar happen in XX/XX/XXXX with XXXX and XXXX XXXX XXXXXXXX which you stepped in and helped me with and we were able to get their actions reversed. 

I understand that Bank of Omaha can issue and refuse credit as they see fit.. 
However, I do not see how they have the right to arbitrarily impact my credit scores when they have no track record of me being a bad investment. 
I have no bad track record on any of my accounts. 
The action of First National Bank of Omaha has made me look like I am just an average borrower of many when I have done nothing wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I called the original supposed debtor XXXX and their systems were supposedly down. I then tried to call the XXXX XXXX which is supposed to be the debt collection agency. The man who answered the phone kept saying " hello can you hear me now? '' I told him I could hear him fine and asked if he could hear me and he replied yes he then asked again if I could hear him now to which i just responded that I was calling about a debt. He asked for my name and I gave it. His response was " You have a very common name and I will need your social security number to look up the collection '' I told him I would only give the last 4 and if they have a debt associated with me as they claim it would bring up the account he said " Your name is too common and that even with the last 4 of my ssn he would not be able to find it without the whole number '' I told him they are trying to collect a fraudulent debt. I told him I would not give my entire Ssn to him and ended the phone call. 
I did have XXXX XXXX in the past but I had it for 4 years when I discontinued my service I A ) was no longer under contract as the contract I signed was only for 2 years B ) When terminating my services I paid my final bill and C ) I returned all equipment XXXX sent me back to them. I have dealt with debts before and I know his answers to be lies. I believe this is one of those yes scams just trying to steal information and identities posing as a collection agency. Oddly enough this supposed debt is only appearing on my XXXX  Credit Report ( this debt was supposedly from 2012. ) after their breach I am wondering if all this is a result of my stolen information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
The account that is in question ( Enhanced Recovery CO L for XXXX XXXX ) opened on XX/XX/2017 with a balance of {$520.00} was entered into collection. The debt collector did not have an accurate address on file. Therefore I did not receive proper notice. I have been willing to pay the account off in full but the debt collector refuses to report to the credit bureau to delete the item from my credit report. XXXX XXXX XXXX the original debtor failed to pay XXXX off after I switched to XXXX XXXX XXXX ( Promotional Claim ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX haven't been updating my information ( Credit Score ) since XX/XX/2014.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX haven't been updating my information ( Credit Score ) since XX/XX/2014.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I continue to incur unnecessary charges to my account. 


I have been attempting to have thee named fees returned and the bank refuses when most of them aren't valid and the other half are mistakes that need correcting. 

I need help resolving this issue prior to closing my account. I do not have funds to simply " throw away ''. 

Please advise, I await a reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
on XXXX XXXX, XXXX my husband and I short saled our house. We have not received the 1099c to do our taxes. I have emailed and my husband called on XXXX XXXX, XXXX about this matter. I called today XX/XX/XXXX and was told by customer service that we will get it by XX/XX/XXXX. We found out that our credit reports were all messed up because of XXXX XXXX. We could not get another loan and I could not get a job because of this. I am still trying to find a job. We have all documentation for credit reports to prove that XXXX contacted and put addresses that we never lived at. I still have a lawyer on my credit report that should not be there.We should have received our 1099c in XXXX. They had plenty of time to do this. 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 non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
*My compliant is that I feel Bank of America did a 'Bait and Switch ' tactic to get me to move forward with my application. Below is my account of the events : I applied for a HELOC through Bank of America on XX/XX/2018. I spoke with customer representative XXXX XXXX, MLS XXXX. He asked me a series of questions, including by house mortgage balance, my estimated credit score ( Which I stated was around 700 ), My income, and other information along these lines. I also allowed him to run my credit. I was looking for him to give me an accurate quote for an interest rate, line of credit amount and term length. During the conversation XXXX indicated that I would be able to qualify for a line of credit amount of {$67000.00} at 4.25 %. I confirmed with him that this was going to be the term of the agreement prior to and after he ran my credit. XXXX strongly inferred that I would qualify for the terms he was stating and also stated 'I guarantee you qualify for this ' at some point in the conversation. It was because of this that I decided to have my credit run and to move forward with the application. He state the next steps in the process would be for underwriting to call me to collect some more paperwork. 
When Underwriting did call ( XXXX XXXX ) she stated that she had a new offer for me. She stated I only qualify for a line of credit of {$33000.00} at 7.69 %. I asked her why the drastic change in terms and stated that it was because of the high debt to equity ratio. I told her I felt that XXXX pulled a 'Bait and Switch ' with me because he quoted, and practically guaranteed my terms so he could get the application moving forward. 
I asked to speak to XXXX 's boss and stated my feelings of dissatisfaction and that I felt tricked into applying for the loan. I asked her why XXXX would have stated the terms and guaranteed them. XXXX 's boss wasn't sure why he may have done that because he doesn't have access to view credit reports and can only go off of info that I provided. 
I also called up XXXX 's boss, ( XXXX XXXX ) and spoke with him about the issue. I asked both XXXX and XXXXXXXX XXXX boss to honor the terms that I was quoted by XXXX but both said they were unable too. XXXX did indicated that he would review the phone log that was recorded between me and XXXX to understand why there was a break down in communication. 
So there should be a recording that can be reviewed to substantiate my compliant. 
*Note I do have a letter that Bank of America sent me that substantiates the initial terms that XXXX stated to me. I don't have the letter as of right now to upload but can do so if required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted Equifax several times to get a XXXX communications debt off of my credit report but it keeps coming back every few months. An account was opened in my name when I was XXXX and without my knowledge. I have supplied frontier and Equifax with my identification to get this resolved. It goes off my report then comes back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is 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 2018-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX received a collection letter from Choice Recovery regarding a medical bill with XXXX XXXX. Bill was in correct amount as we have been sending in {$20.00} payments. I contacted XXXX XXXX to find out why on XX/XX/XXXX because they just took a payment from us and our bank on XX/XX/XXXX but it was not documented, as well as other payments made. We have documentation proof showing where these amounts were approved and taken from the account. XXXX from XXXX XXXX in billing tried to say account was sent over to Choice Recovery on XX/XX/XXXX, however did not send us any notification. Choice Recovery ( XXXX XXXX ) is saying that they didn't get the account till XX/XX/XXXX and didn't know why XXXX XXXX would say that. He was extremely rude with me as I told him we had documentation on processed payments. Told me I could dispute it but that was it. Choice Recovery was trying to be very intimidating and didn't care that we had proof to show these payments. This poor documentation is effecting my credit and is unfair collection practices when this account was being paid on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP Morgan Chase Issue involves money sent to me on XX/XX/2018 by XXXX through a payment service, XXXX. 

My complaint is that Chase provided me with inadequate instructions and failed to communicate with me. 

XXXX sent money to me via a payment service by sending me an email with instructions. I followed every instruction given to me to add that email to XXXX. After I did that, Chase, my bank, sent me an email to the email address registered with XXXX telling me that XXXX had sent me money. So I went through the link they provided and followed all of their instructions to a T. 

Chase told me the money would be available in 1-3 business days. I was able to see the payment, choose which account to put it into, and otherwise access the details of that payment on their website at the time. 

Chase then canceled the payment and did not notify me in any way. On the Chase website for their payment system, XXXX XXXX with XXXX, they have a phone number and THREE email addresses for me, including the one they used to send me the email saying I had money. They did not bother to contact me at all. 

So when I went to pick up my car, the money from the insurance company wasn't there. I called Chase and they told me my email wasn't " linked '' properly. I was told that in order to receive the money, I had to make that email my " primary '' contact. This was inconsistent with my past experiences. To explain : I have my " primary '' contact with Chase listed as my phone number. In the past, I have received money sent through XXXX when that money was sent to my email address, not my phone number. 

This happened despite my following all of the required steps, using the link provided to me by Chase, and after viewing the payment on Chase 's website setting up which account to put the money into without anything amiss. 

The problem here is the lack of adequate instructions -- if the email needed to be " linked '' somehow, the instructions should have included this necessary step -- and the lack of communication from the bank when they canceled the payment. If the bank sends an automatic email when money is sent, they can send an automatic email when a payment is canceled. 

My insurance company, XXXX, is reissuing the money, but is now going to use a paper check because Chase 's online payment system is not reliable enough to try this again. This may sound like a minor issue, but this was a large payment for an insurance claim for extensive weather damage to my car, which is going to leave me without a car.

Company response to consumer: Closed with explanation