vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-11 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: Eagle Accounts Group, Inc.
State: MO

Complaint narrative:
I cant qualify for a mortgage because Child Support Enforcement refuses to delete inaccurate child support information from my XXXX credit report. My credit report shows that my account has been late and/or collections 9 times ( 9 months ). I have faxed in requests for them to correct their incorrect reporting. I personally went into a local office and was given a payment history, to show that the payments had been received by Child Support Enforcement and that they never were late. I was also given an official letter from the Child Support Enforcement Department, stating that they had reported the account erroneously and that this account has never been past due and was never in collections. The letter states that, all 9 months ( the months are individually listed on letter ) were reported erroneously as being late and/or in collections. Even though they gave me the letter and the payment history report to show everything is current and has never been late, they are continuing to report the erroneous/negative/delinquent information. I have been trying for months to get Child Support Enforcement to correct ( delete this account ) my report and they are now refusing to do it. I have tried numerous times to resolve this matter with XXXX and Child Support Enforcement, to no avail. Dates Complained : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

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 2017-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: VA

Complaint narrative:
It was done today and I got the money today in my account. They initially stated that the payoff would be {$650.00} with the interest which did not happen. The interest rate on a {$500.00} is 831.1006 % and my ending balance that will be paid is {$2000.00}. It was all done online and I had no idea that it was illegal to do an online payday loan until I did my research ( which I should have done ahead of time ). I was desperate in need of money but had no idea what I was getting into.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I told Wells Fargo these transactions was n't me and someone took XXXX Out my account I made a fraud claim n you denied it and it s unfair and ca n't afford this. I should be protect by the bank n the insurance .. this bank is no good

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 2017-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXX I made a deposit to my Corporate Chase Checking account for XXXX at a Chase branch in XXXX XXXX, Ca. The bank made {$5000.00} of the deposit available and put a hold on the remaining balance until XX/XX/XXXX. The teller told me that the hold could be released if the funds are available and the check is cleared by the other party 's bank. On Tuesday XX/XX/XXXX the check was cleared by XXXX XXXX XXXX, the other party 's bank. I called Chase bank manager and had her verify that the funds are available but Chase still would not release the hold on the funds deposited to my bank. I have had this checking account since XX/XX/XXXX with no NSF. There is no reason for Chase to hold on to my funds. If as a consumer I went over my bank balance Chase would charge me overdraft fee for using their funds but I am not given the same protection when it comes to banks holding to funds that are mine. This is illegal and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2017-08-11 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: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2017-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA

Complaint narrative:
Recently reviewed credit report stating that I owe a debt with Cash Central that being collected by XXXX XXXX XXXX. I have never been associated with the address they have listed/linked to report. I have never received notices about the debt.

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 2017-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I requested my credit file on XXXX XXXX, 2017 and found several mistakes. Some of which I was unable to dispute online because there is no option. 1. My employment information had n't been updated in 3 years. 2. None of my previous employment was listed except for 1 item. It shows that I only had 1 job. 3. My current and prevous address are mismatched. There is no way to request a dispute for that to correct it. 4. Items that are paid as agreed with no past due or {$0.00} balance are listed as negative and not paid as agreed. Again another item for which there is n't a good way to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CBA of GA, Inc.
State: GA

Complaint narrative:
CBA reported multiple derogratory remarks on all three credit bureaus reports about a debt with XXXX XXXX XXXX At the time of service, I had active medical coverage through my job. I should have never been charged for services while having adequate medical coverage that covered all procedures done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Wells Fargo Dealer Svc Account # : XXXX I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement

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 2017-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I will respond to XXXX XXXX XXXX correspondence dated XXXX XXXX, 2017. That was sent to your offices and forwarded to me. I demand they cease and Desist Collection activities. They have no legal right to file any motions or collect any funds for these accounts

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 2017-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I lost money due to capital one atm I was told that it was n't found and nothing can be done for me. I should be insured. My money is just gone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
Took out a line of credit with this online lender XXXX. Requested they close the account and let me pay it off over time ( interest rate was too high, could not afford it ). XXXX XXXX who works for NCB debt collection for this place called my husband 's, my son 's and my home phone which I did not provide them with any of these. She was told not to call these numbers and she lied and said I gave them to her. Not true, I would never do that. Last night she called the home phone which we NEVER use, except for emergencies and asked was this " XXXX XXXX '' I said yes and she said who she was. I was really upset she has my e-mail, cell phone, work phone and home address. I made arrangements to pay monthly but one payment was returned. They reported me to the credit agency and I feel these high interest rate online loans should not be legal anyway so why should they be able to report to the credit agency. They say they are XXXX XXXX but they are just loan sharks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
This loan company has refinace my parents home at lease twice over the decades.They were paying {$570.00} a month, as of XX/XX/XXXX they was told their Insurance was being cancelled and their payments was gon na be XXXX a month. At one time they was told the signed off on a {$52000.00} loan in XX/XX/XXXX. My Dad was XXXX yrs old then, and had no clue as to what was happening to them! Since that time our Father XXXX XXXX in XX/XX/XXXX, leaving all of this on her. She had to move out of the house, and is in the process of trying to sell it. One problem my parents still owes {$6500.00} on the loan. We can '' t find any paper work on the contract they suppose to have sign.The loan company says they ca n't go back that far, and that they do not have the contract or papers explaining what went down, and how it went down! My parents did not know the would be still paying on this loan in XX/XX/XXXX. They made them think they were saving money, when they were actually paying more, over a longer period of time! From XX/XX/XXXX to again in XX/XX/XXXX to now XX/XX/XXXX. Can You Believe!!!

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 2017-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently tryed to apply for capital one 360 custermer service told me I already had a account. I never had a capital one 360 and want something to be done about this account under my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX Ssn XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Professionals, Inc.
State: MT

Complaint narrative:
I hired a local company to fix my hot tub. He completed part of the repair but then never came back to finish the repairs. I prepaid for all repairs on my credit card. Since he never came back to finish the repairs and would not return my phone calls I disputed the unfinished portion of the repair ( about half of the total credit card bill ). He then sent me to collections for the whole amount, plus another unidentified {$760.00}. The collection company has identified that I still owe the payments even after verifying payment. The said they sent me a verification of debt, which I never received. I asked them to help me understand their collection process and said I would pay what is owed, just not for uncompleted repairs and false promises. They said I owe the debt immediately and that I will be reported to the credit bureaus. I have fully contested the collections with letters dated X/XX/2017 and X/X/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
The modification makes the amount due more than the value of my home. If I died ( I 'm XXXX ), and the home was sold tomorrow my estate would be liable for the balance on the loan ( XXXX ) and the balloon payment of XXXX, XXXX. At the time I fell behind I had about 25,000 in equity principal balance was around 57,000, in the new modification, I would be underwater.

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 2017-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
I walked to the City National Bank and was met by XXXX XXXX. XXXX asked me to go to the conference room. When I entered the conference room I was told they are not like other banks and opening a checking account can take 2-3 days and he asked for the information on my employer who banks with City National Bank. I gave him that information and he told me that in order to open an account he would have to come to my office and that there would be an 11 day hold on my deposits. I asked him if that applied to checks that were drawn on the bank and he said yes. As a former banker I knew this could n't be correct and I left. He clearly did not want me to open a checking account with the bank. He was rude and gave be inaccurate information based on the law.

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 2017-08-11 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: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement

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 2017-08-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX*********** I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement

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 2017-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My Housing Counselor called the Lender to assist me with funding to reinstate my loan and they hung up on her. She called the same number found on the Mortgage Statement XXXX and the automated system said they were a Company called XXXX. I gave her 2 numbers that I had dialed on my cell phone XXXX and XXXX and they came up as XXXX as well. We reached a Rep and she said that they are like XXXX, information number. I dialed the same numbers on my cellular and reached Customer Service for M & T and my Housing Counselor was then able to get information about my loan.

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 2017-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
During the closing of our purchase of our home ( XXXX/XXXX/XXXX ) I enquired why there was an escrow put on the mortgage since we were putting down 20 % of the purchase price. The mortgage initiating company, XXXX XXXX, agent explained that it was purely optional and that they could change the final forms but it would delay the closing date. They also told us that we could at any time in the future ask the mortgage servicing company to cancel the escrow account and that they would do it. MY wife did not want to delay the closing so based on the explanation from the XXXX XXXX agent, I understood that I could cancel the escrow account any time. On XXXX XXXX, XXXX, I wrote to OCWEN who now services the mortgage to cancel the escrow account because I wanted to pay the insurance and taxes myself. OCWEN declined my request in a terse letter that explained nothing. When I called them to ask for an explanation, they said that their policy is that I must have 25 % in equity in the house before they cancel the escrow account. I explained to them the promises made by the agent at the time of the closing. OCWEN refuses to honor the intent of the contract that we signed based on the explanation provided to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: TX

Complaint narrative:
on XXXX/XXXX/17, I submitted a complaint against XXXX XXXX XXXX. in which the account was closed with no monetary responsibility on my behalf. Every credit bureau has since then removed/closed the account from my credit report except TransUnion, they are continuing to report this closed account as open and derogatory. I have documents proving my argument.

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 2017-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I just received notice that my existing CFPB Complaint # XXXX is closed and Bank of America has still continued to report erroneous ratings to XXXX for my mortgage account. They acknowledged the reporting was not correct and that corrections were made, but this is not the case. Please assist in having them comply, they have violated by rights under Bankruptcy already and I do n't feel they are completing the tasks that they promised on.

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