vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
I received my response back from XXXX XXXX from the CFPB on XX/XX/2018 and XXXX XXXX stated that they are not required to show original contract,, XXXX XXXX still violated my right by not responding to my certified letter by mail, ,within 30 days I've showed proof that I sent them a certified letter and proof the day they received it, by law they were supposed to respond to my certified letter,,, I haven't gotten no response from them my mail,,, I even asked to received information on the verification process that was done to verify the account that's reporting on my credit file, they still haven't sent it and its pass the 30 days that they were allowed to reply back which they have not did,, I am a consumer and they supposed to respond back to my certified letter if they reporting items on my credit report,,, I asked for information and by law I should have received a response within 30days. they failed to do so XXXX XXXX has violated federal and state laws,, by not replying in a timely manner,

Company response to consumer: Untimely response
Consumer complaint received 2018-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
Your tracking number ( MTCN ) is : XXXX Western Union Hi i sent the money international via western union on XX/XX/2018 total amount {$1400.00} receiver did not receive the money and i call western union many time they are not cooperating in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America closed my account.I would like to know why they closed out my account.I would like to my account reopened

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 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been working with Ocwen for quite some time now to retrieve a loan modification. Just recently, Ocwen has denied the loan modification and informed me that they did not review any of my income. My income is very important part of the process and unfortunately Ocwen is not considering it. I am in position to pay my mortgage based on the income I am currently receiving. I am not asking for any adjustments. If they brought my account current, i would be ok with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
I have a Ford Credit account, ref # XXXX. I had setup auto pay on this account using my XXXX XXXX XXXX account ending in XXXX which was closed by XXXX XXXX XXXX due to fraudulent transactions which resulted to overdraft and for the auto payment for my Ford Credit account not to go through. 

I had been traveling and had auto pay set up for my Ford Credit account. It never occurred to me that I could still have problems with the payment. Last XX/XX/XXXX, XXXX and XXXX 2018, there has been unauthorized cashing of checks amounting to {$25000.00} on my XXXX XXXX XXXX account ending in XXXX ( see attached FTC ID Theft report ). Since I was traveling, I was not aware of what has been happening and only noticed the problem when I came home last XXXX. 

XXXX XXXX XXXX was able to refund/credit the lost {$25000.00} back to me on a new account as shown on my XX/XX/XXXX to XXXX XXXX XXXX XXXX Statement attached to this complaint. This bank statement will also serve proof that I have the capability to pay my monthly obligations with Ford Credit and that I have sufficient funds on my bank account to be able to pay the minimum monthly due. I even doubled my payment last XX/XX/2018 to make sure that my account is up to date. 

I sent Ford Credit a letter last XX/XX/2018 stating the issue I had with XXXX XXXX XXXX wherein I've made an honest mistake about my new and previous XXXX  XXXX XXXX account # s. This led to Ford Credit refusing to help, even though it is not my intention to be late on my payment. Even though, that late is unintentional and is a result of having fraudulent transactions on my bank account. They responded to my letter I sent them last XX/XX/XXXX, turning my request down.Enclosed to this complaint ar copies of my FTC ID Theft Report, Letter sent to Ford Credit last XXXX, Ford Credit 's Response, copy of my bank statement From XX/XX/XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2018 I sent via certified mail a dispute in regards to me being a victim of Id Theft and fraudulent accounts being reported to my credit profile. The credit reporting agencies did not resolve nor recognize my dispute eventhough I presented the proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Date opened shows XX/XX/XXXX on my credit report. 
Closed date XX/XX/XXXX Credit Acceptance is reporting to my credit that I owe {$2600.00} to them for a vehicle purchase. I do not owe this debt. They are stating I provided my licence upon signing an agreement, which is false, i did not even have a valid drivers license in XXXX, up to now. 

The vehicle that was sold was a lemon, and has been sold by the company to repay what was owed. 
I reported this to the XXXX, and was told I had a valid license which was apparently showed at signing.

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 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Uber Technologies Inc.
State: PA

Complaint narrative:
Report was created on XX/XX/18 for Uber Technologies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have recently been through extreme financial hardship last year to include almost being evicted from my home, and when I contacted Santander Consumer they graciously helped me resolve my missed payments by granting me a deferment on my loan and now I am current and have been since my new job in XX/XX/XXXX. The deferremnt moved all of the missed payments to the end of the loan with anew maturity date thus making me current. I was assured that this would take full effect and that my credit would not be jeopardized as I was now current. I have disputed the late payments that are reporting on my credit with Santander on several occasions with credit bureaus to all come back verified by Santander. How is this accurate if my payments were actually deferred per my signed agreements? These inaccurate late payments have decimated my credit worthiness and have hindered the improvement I am making in paying my bills on time.I am forever thankful to Santander for extending the deferment to me and would like for them to remove the inaccurate reporting of the lates I have on my credit. The lates are as follows : XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I applied for a loan modification through Chase, sent all of my paperwork and they will not review it. Chase advised that they will not review my information since i was previously offered a trial plan. Unfortunately, the trial plan that was previously offered was not affordable. Since the trial plan offered, my circumstances have changed and i am now receiving more income. I am in a position to accept a trial plan if offered. Now, Chase is telling me they will not re-open another loss mitigation workout for me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hi I had some late fee 's from company which i was told would be removed but have yet to be removed. I have called the company several times trying to get this matter resolved. They said they would remove all late fee 's from file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: NC

Complaint narrative:
I contacted the Hospital 's when i found out someone was using my Identity to receive health care and they stated they would look into the problem and resolve it asap. I have filed a police report and also filed actions against the hospital for letting this happen. I'm a XXXX myself and know one knows how something like this could happen, unless the admitting nurse know the people and let them uses my name. I want this off my credit asap or ill be suing XXXX XXXX as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: OR

Complaint narrative:
I have been requesting a complete Free Credit Report be provided to me for several months now from TransUnion, with no success, and each request being denied. 
I am a Victim of Identity Theft, FTC Complaint # XXXX, and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my free Credit Report as requested, which is well within my rights as a Victim of Identity Theft.

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 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP Morgan Chase closed my checking account and is holding {$15000.00} in a suspense account. I have reached out to their loss prevention team and they told me that those funds can be held up to 3 years. Not sure what will happen after that. Please help in resolving this and getting funds returned back to the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
To whom it may concern ; I am filing a complaint on PNC Bank. 
On XX/XX/XXXX my mother notice that we had an online mobile deposit and she called pnc customer service to ask about this deposit and how does one do this only to find she did not have access for mobile deposit. My mother was told she would receive a letter explaining and asked for our accounts to be flagged for Fraud.

During this time we have not received any communication from any one at pnc bank.

ON XX/XX/XXXX, my mother called customer service asking for an updated on her fraud claim and the missing {$4000.00} Unfortunately she had spoken with XXXX XXXX who could not figure out what was fraud and keep saying it was an online transfer. 
Then he transferred me to XXXX in Check Fraud, who told me its not check fraud but it is online fraud, XXXX was in contact with someone named XXXX at a Branch in XXXX  OH and XXXX XXXX. The bank fought my mother over this claiming the money went into her account but someone hacked her account and took the money out. The issue has been ongoing for 6 weeks with broken promises from the bank to correct the issue and no call backs regarding updates on the problem. 
As of this moment we have been calling for several days and we have not had any follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: NY

Complaint narrative:
Hi I had some late fee 's from company which i was told would be removed but have yet to be removed. I have called the company several times trying to get this matter resolved. They said they would remove all late fee 's from file.

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 2018-08-22 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: NY

Complaint narrative:
Hi I had some late fee 's from company which i was told would be removed but have yet to be removed. I have called the company several times trying to get this matter resolved. They said they would remove all late fee 's from file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2018 I sent via certified mail a dispute in regards to me being a victim of Id Theft and fraudulent accounts being reported to my credit profile. The credit reporting agencies did not resolve nor recognize my dispute eventhough I presented the proper documentation.

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 2018-08-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I sent via certified mail a dispute in regards to me being a victim of Id Theft and fraudulent accounts being reported to my credit profile. The credit reporting agencies did not resolve nor recognize my dispute eventhough I presented the proper documentation.

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 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: KY

Complaint narrative:
I WAS CHARGED ON MY MASTER CARD ON XX/XX/10 FROM A XXXX XXXX XXXX FOR XXXX I HAVE NO IDEA WHO THIS SAID COMPANY IS AND I NEVER DID BUSINESS WITH THIS SAID COMPANY OR NEVER AUTHORIZED THIS CHARGE AND I HAVE NO IDEA WHERE THEY GOT MY CREDIT CARD INFOMATION FROM. I CALLED MASTER CARD AND REPORTED FRAUD ON THIS CHARGE AND THEY NEVER DID ANYTHING FOR ME, I RECENTLY CALLED IN AGAIN AND MASTER CARD IS NOW TELLING ME THAT THEY CANT HELP ME BECAUSE THE CHARGE IS TOO OLD NOW. I TOLD THEM THAT I REPORTED THIS BACK WHEN I SAW THIS CHARGE ON MY STATEMENTS AND THEY DID NOTHING. I AM NOW FILING WITH YOU IN HOPES FOR YOUR HELP. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME, I CANT AFFORD TO HAVE MONEY TAKEN FROM ME WITHOUT MY CONSENT. PLEASE HELP ME GET MY MONEY BACK. MASTER CARD SHOULD BACK THERE CLIENTS NO MATTER WHAT AND THE REP I SPOKE WITH WAS SO MEAN AN NASTY TO ME WHEN I CALLED SHE WAS SAYING MY AGE MAY HAVE ME FORGOT WHAT I CHARGED TO MY ACCOUNT. SO NOT NICE.

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 2018-08-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXX XXXX  assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX  should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark

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 2018-08-22 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: Total Card, Inc.
State: TX

Complaint narrative:
MY NAME IS XXXX XXXX, SSN XXXX, DOB XX/XX/1986 I HAVE HAD SEVERAL ISSUES WITH TOTAL VISA CARD AND THEY FAIL TO MAKE THINGS RIGHT, I RECEIVED LATE MARKS ON MY CREDIT REPORT, I ASKED FOR A GOODWILL REQUEST AND IT WAS DENIED STATING IT WAS ACCURATE, I AM NOT DENYING THE VALIDITY BUT THEY NEVER SEND ME STATEMENTS, THEY NEVER CALLED ME TO REMIND ME OF PAYMENT, I HAVE NEVER TALK TO THEM AND WHEN I DID THEY SAID IF I MADE A FULL PAYMENT THEY WILL REMOVE THE LATE MARKS WHICH THEY LIED BECAUSE NOW THEY ARE SAYING THEY WILL NOT. I AM GOING TO SUE THIS COMPANY IF THEY DO NOT REMOVE ALL LATE MARKS AND REFUND LATE FEES TO MY ACCOUNT, BUT MOST IMPORTANTLY ALL CREDIT LATE MARKS MUST BE REMOVED FROM MY CREDIT REPORT, I AM UNABLE TO GET A MORTGAGE THANKS TO THEM, I DEMAND THAT THEY SEND ME DOCUMENTATION STATING WHY I DONT RECEIVE STATEMENTS, ALSO WANT RECORDINGS OR PROOF THAT THEY ATTEMPTED TO CALL ME TO COLLECT PAYMENT IF THEY FAIL TO PROVIDE ME WITH THAT THEY MUST REMOVE LATE MARKS UNDER FEDERAL LAWS OF CREDIT REPORTING OR I WILL BE FORCED TO SUE TOTAL VISA CARD AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Credit & Finance, Inc.
State: NY

Complaint narrative:
these animals keep calling me from this company Atlantic Credit & Finance , Inc . 
XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX phone i woe nothing to nobody and they are annoying me and i am also on do not call list, so please please stop these animals

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 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/18 an unauthorized charge was made to my account from a company called XXXX. After working with a representative at BMO Harris Bank to try and fix the issue, I received a letter in the mail claiming that I did in fact authorize the transaction and my claim was being closed. I tried to contact XXXX but was unable to speak with anyone about my issue. I am disputing this chain of events. The unauthorized charge from XXXX was for {$970.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation