vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have had a membership with Experian. Specifically an Experian Credit Tracker account. I have attempted to call several several times to cancel my subscription/membership. When I finally give the automated system all of the required information and follow the several prompts. The system informs me that I do not have an account and disconnects. There is no option to speak with a representative or enter my account number. 

I have also attempted to email the company and have had no response.

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 2018-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I made a claim for unauthorized debit card transactions on XX/XX/2018 due to the fact that I lost my debit card and it was not in my possession. Regions Bank denied my claim and stated " Transaction verified with your card credentials. Transaction passed fraud analysis. '' As permitted by Regulation E, on XX/XX/2018 I requested copies of the documents Regions Bank used in making its determination not to credit my account for the unauthorized transactions. However, Regions Bank has never responded to my request and has not credited my account for these unauthorized transactions. In effect, they have simply ignored my request because they know there are no penalties under Regulation E for their bad faith actions.

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 2018-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
On XX/XX/2018 a medical charge that doesnt belong to me was added against my credit report by CFSI without no previous notification toward me. I do not recognize this charge, it doesnt belong to me, and I needed to be remove from my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I monitor my credit report often as I am in the process of home ownership. 
I recently realized that I have a credit inquiry for the company listed below that I have no knowledge of and have gotten no where trying to dispute it. 
I did not approve of this and after some research, I've noticed that I am not the only person who's had this problem with the same creditor. 
I would like this to be removed from my report ASAP please. 

Institution Information XXXX National Credit Cards/XXXX XXXX  , FL 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 2018-10-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MN

Complaint narrative:
The mortgage company continues to call the borrowers bankruptcy attorney. The bankruptcy is long done and we do not represent the borrower anymore.

They keep calling to ask if I can follow up and get mortgage documents for them.

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 2018-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
For two months, repeated attempt to collect a debt that is not mine or does not exist. Said they have my address to a house I have not lived at for at least 10 years. Have asked them to remove the number but the calls come in again. The following are all the numbers that have called me from this company ( that I know of ) : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Said the company name is Radius Global Solutions, formerly XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have had a very difficult time with Wells Fargo. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Wells Fargo always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time getting any assistance with any employee at Wells Fargo.

I lost my job for 6 months but am back to work full time, and can afford my mortgage. I applied for a modification and Wells Fargo denied me saying they do not want to help with a modification. I have never been approved for a modification in the past, and my income can support the mortgage payment.

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 2018-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was unable to reconcile the correct number of days that I was being charged interest using my transaction history. A date column appears in the transaction history for my account and one might reasonably assume that interest is calculated from that date. I have learned however ( after speaking with a bank representative ) that interest is in fact calculated from an earlier date than the date listed on the transaction history. I have made two advances on the credit line to date. The earliest date listed shows my PCL check advance for {$10000.00} to be XX/XX/2018 but interest is actually being charged from XX/XX/2018 according to a bank employee. The next advance date listed in my transaction history shows an additional PCL  check advance for {$20000.00} to be XX/XX/2018 but interest is actually being charged from XX/XX/2018 according to a bank employee. I believe a consumer is entitled to see dates listed for credit line advances that correctly correspond with the date from which interest is being charged. Accordingly I can not determine if my interest charges are correctly calculated when the bank uses a date unknown to me that does not appear anywhere in my transaction history. A a consumer I believe we are entitled see the beginning date from which interest is being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have submitted letters on the following dates to XXXX, XXXX  and Transunion : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. and XX/XX/XXXX requesting that XXXX XXXX XXXX XXXX accounts either by validated or removed from my credit report. I have not received any validation as of todays date. This account is showing 180 days past due which is severely impacting my score. I am currently serving in the US military and am protecting from this late reporting by the Service members credit relief Act ( since the debt was incurred prior to entering 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 2018-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I noticed a Collection account that had appeared on my credit report on all three credit bureaus. It was opened by Diversified Consultnts. To which they said I owed them {$250.00}. original company XXXX. I have disputed this matter by certified mail on XX/XX/18 and XX/XX/2018 in which both response from them was a copy of a itemized bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
inaccurate information to the best of my knowledge is not mine hippa and ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IA

Complaint narrative:
We are affected by a tornado on XX/XX/2018. I have been trying to get the mortgage to release money so I can get my house fixed. Every time I call I get told they don't have something or they need something else. I have turned in all the XXXX, waiver of lien, insurance documents and contracts. They will not just release my money, every time I call I am told something different. I can't fix my house without getting the money from them. This has been the biggest mess ever. I have to call to be told that things are not processed and this is why the documents aren't correct or that they didn't accept it for one reason or another. I can't go to the website like they want me to. If I was to miss a payment they would be all over calling me.

I feel like they don't care about me and getting my house first which they should since they are really are the ones that own it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the late payments on this XX/XX/XXXX XXXX account for months. XXXX   and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attempted to dispute an account with Transunion for a few months now. I have also sent a letter to the reporting company and had the letter returned " NOT DELIVERABLE AS ADDRESSED '', which is in violation of the Fair Credit Reporting Act.

I have disputed this account and requested it removed from my credit report since I can not verify the information with the company.

Since I filed a dispute with TRANSUNION, I have been blocked from Transunion " online '' and can not utilize the site anymore. I called Transunion and was informed that since I filed a dispute online, I can not view my credit report or utilize the online system until the dispute is completed. I also informed Transunion that it is in violation of some kind of law because all information is supposed to be completed in the applicable time frames and I can not view my accurate report and can only file a dispute by mail since I have been blocked. Transunion advised me to pay for a report each time and dispute it this way.

If I mail a dispute, 3-5 days in the mail, then 30 days for review, then the results would be mailed to me again since I can not review anything online. This would take approximately 6 weeks for any results of a dispute.

I am including a copy of the letters and a copy of the returned envelope corroborating my claim to have this account removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: TX

Complaint narrative:
inaccurate information to the best of my knowledge is not mine hippa and ftc violation

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 2018-10-19 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: TX

Complaint narrative:
inaccurate information to the best of my knowledge is not mine hippa and ftc violation

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 2018-10-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted letters on the following dates to Equifax, XXXX  and XXXX  : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. and XX/XX/XXXX requesting that XXXX XXXX XXXX XXXX accounts either by validated or removed from my credit report. I have not received any validation as of todays date. This account is showing 180 days past due which is severely impacting my score. I am currently serving in the US military and am protecting from this late reporting by the Service members credit relief Act ( since the debt was incurred prior to entering XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: AL

Complaint narrative:
I have submitted letters on the following dates to XXXX, Experian and XXXX : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX and XXXX XX/XX/XXXX requesting that XXXX XXXX XXXX XXXX accounts either by validated or removed from my credit report. I have not received any validation as of todays date. This account is showing 180 days past due which is severely impacting my score. I am currently serving in the US military and am protecting from this late reporting by the Service members credit relief Act ( since the debt was incurred prior to entering 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 non-monetary relief
Consumer complaint received 2018-10-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
booked a car rental with XXXX from XXXX to XXXX ( in XXXX florida ). 

the amount is XXXX . 
they booked my reservation with a company called XXXX  XXXX. 
when i went to pickup my car in XXXX XXXX this happened - the person first took all the details, like the voucher number from XXXX, my card. LICENSE number etc. was rude from starting when i came in, asked me to purshase tolls first, i said, i am here visiting family. i know the routs. don't need tolls, then asked for insurance, i said i have my insurance with XXXX which covers everything and also have secondary insurance with visa card which i ought my order which covers secondary insurance, he straight away cancelled my order and gave my cards back ( cc and license ), i asked him to check my insurance if he wasnt sure. he said i already cancelled your order. take the money from the online company which you booked, as you did not book it with me i am not giving you anything. 

My view - the person was pre determined to cancel my order as i see here as he said i did not book it with him directly, even the XXXX reviews say the same, as i checked it afterwards, ok so after this, i did not pick up the car and no service has been given, therefore, i contacted XXXX  for the same saying that i did not receive the service which was booked and need a refund as i did not get any service, XXXX has no response yet on the same, they still say we are looking into it. 


then i call my bank ( visa bofa card ) and say i was charged for the service which i did not get and did not even use it. bank closes my claim saying that there is no billing error and not paid me the money back again. 

called and explained the same to customer service of claims dept. they say there is no billing error and they stand by the denial of the claim. 

NOW I DID NOT GET ANY SERVICE, ALREADY TAKEN THE MONEY FROM ME, I WAS MISS TREATED AND RUDE BEHAVIOR TOWARDS ME. WASTING MY TIME ALL THESE DAYS AND ALSO THE BANK DENIED MY DISPUTE CHARGE AS WELL. NO SERVICE AND ALSO MY MONEY LOST, I THINK THIS IS INJUSTICE AND NOT FAIR. 

PLEASE HELP ME IN 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 2018-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2018, a charge was made to our credit card in the amount of {$2100.00} from a XXXX XXXX store in XXXX XXXX, WA. I called and filed a claim. Bank of America assured me they would give us provisional credit and to deduct that amount from our XXXX payment, which I did. I called the XXXX XXXX store and spoke with their bookkeeper. She faxed over documentation ( purchase order, invoice, receipt and sign pick up slip ) to our local XXXX XXXX store in XXXX, WA. It was clear from the paperwork that a contractor, XXXX XXXX XXXX, fraudently used our credit card number to order a XXXX generator. He used his phone number, signed his name, but used our name and address to order it ( misspelling both ). 

I forwarded this information to Bank of America. A few weeks later, we received notice that the dispute was closed and we were required to pay the money. 

I called again to complain that this was an obvious case of fraud, with proof. They reopened the case, gave us provisional credit, and again asked for documentation to be provided by XX/XX/XXXX. I went to the local Bank of America branch to fax the papers on XXXX XXXX. That same day, they charged our account for the original purchase amount, even before they had a chance to review the documentation we sent over. 

I called Bank of America today and they said they would look into it, but then they hung up on me.

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