vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
please review documentation and remove inquiries.

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 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I deposited a check totaling {$3000.00} XXXX from a client into my Bank of America business account. This client had paid me the same amount, from their same account thirty days prior on XX/XX/XXXX. Bank of America released those fund immediately, the check cleared and there was no issue. 

For the check I just deposited on the 1st they put a hold on all funds and have refused to release any funds, not even {$200.00} or {$400.00} per their own policy on their website under, Deposit Agreement and Disclosures. On Monday the first I called the bank. I pleaded and asked them to delete or ignore the deposited check, which was deposited via their mobile app, and they said they couldn't see the check yet and to call in the morning. I called Tuesday morning, again pleaded and begged, asked if they could call and confirm the funds with the other bank because this was the same amount, check, client they had just released funds for thirty days before. Again it was denied, " nothing we can do. '' I went into my local bank teller and asked if I could close my account or do anything to get this check cleared, I know my client has the money in her account so why are they doing this? No answers, just no. 

Due to the hold, my account is now XXXX. A loan payment was sent back, I have over {$300.00} in {$35.00} fees that were processed after I deposited the check. I wasn't able to buy a car which as a single mother of XXXX girls, XXXX to XXXX in age, I need desperately. I was already preapproved and ready to buy when this happened. I have tried everything I can including reviewing, The Expedited Funds Availability Act of 1987, which clearly states I should have access to my funds. There is no legitimate or substantial reason they are holding these funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
please review documentation and remove inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Auto purchased using Capital One Auto Navigator with required use of their particular dealerships. Purchase completed XX/XX/2019 with XXXX at address XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Sales tax, title & licensing fees financed into purchase for a total of {$1700.00} and were paid to the dealership. After more than 60 days and the temporary tags have expired, I am unable to get a response from the Capital One required dealership, XXXX, and Capital One is claiming there is nothing they can do because the title has not been issued. However, I am still required to make the payments for an automobile I can not legally drive due to expired temporary tags and no permanent tags that have been prepaid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NC

Complaint narrative:
my mother was issued a Discover credit card in 1995. The credit limit has been increased to {$30000.00} a couple yrs ago. My mother is XXXX XXXX XXXX & on a fixed income. She has several health problems and is on a fixed income. My mother just came home from the hospital/rehabilitation after being there for over 30 days. At this point she needs assistance with her physical needs as well as paying her bills ( writing checks ) on time each month. I just recently found out the Discover Credit Card debt & I am really concerned that the company would give a XXXX senior on a fixed income such as my moms {$30000.00} credit line. With how things are now in the world our seniors are easy targets for scam. My mom has worked hard all her life and at this point in her life she ( past couple months ) has worried about lost her home, not buying her medication because of this. My mother is has been a widow for 7 yrs. She lives alone her income is only once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: MN

Complaint narrative:
XXXX XXXX has improperly reported a delinquent payment on my credit report. I contacted them about a series of late fees and XXXX XXXX admitted that it was an internal error and all late fees were removed. Nonetheless, XXXX XXXX has failed to take corrective action on my credit report, which now inaccurately reports their own internal billing error as a negative 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 non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have a balance of {$100.00} on cashapp and I cant deposit it. I thought it was because I lost my card and requested a new one.  Once I got my new card I tried to add it to the account and it wouldnt accept it. When I go to cashapp support it doesnt have a phone number for customer service. It says my account is closed and I did everything it says to do in order to transfer the remaining funds to my account and no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: NJ

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I have reached out to the FTC and my local police. I need this items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX/XXXX XXXX, XXXX XXXX. lnquiries : XXXX/XXXX XXXX, XXXX. Im doing this on my own behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I have reached out to the FTC and my local police. I need this items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. lnquiries : XXXX XXXX, XXXX. Im doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I wrote a letter to XXXX  XXXX on XX/XX/2019 disputing incorrect reporting about XXXX XXXX account. XXXX  then requested Proof of Address. I returned 2 forms of document showing proof of Address my driver license and a utility bill. 
On XX/XX/2019 XXXX mailed a letter Re : Proof of Address Unacceptable-Reason # 3 ( documents provided was not a qualifying document. I am requesting help to correct this matter because XXXX is trying to discourage me from disputing my credit report entries due to their mistake by not accepting my proof of Address. 
I also sent Equifax the same letter on XX/XX/2019 about incorrect information about my account but Equifax never responded and over 30 days have passed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 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: Midwest Recovery Systems
State: OH

Complaint narrative:
There is a company called Midwest Recovery Sys that is reporting information on my credit report indicating that I owe {$1100.00} to a company called XXXX XXXX XXXX. I have never heard of either of these companies. I have disputed it with both XXXX and XXXX, but I believe these companies need to be investigated for reporting invalid information on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Hello, So I have looked into a car a while back ( XX/XX/2018 ). I was looking at a XXXX XXXX XXXX and The sales person ( which with seducing sales tactics tricked me ) ran my credit in 12 different places!! Just so I can buy the car the " best possible '' terms. I ended up not getting the car and I am now buying a car cash, finalizing its paperwork after 1 year ( saved up for it so I wouldn't use my credit ). The dealer was a XXXX in XXXX and the sales person name was XXXX XXXX - XXXX ( PLEASE DON'T POST NAME AND LOCATION ) The dealer manager even called me and asked forgives and how they could make this right. I didn't know the effects of it at the time. I understand that I was not told or in written explanation that my credit would run 16 times for inquiries to get best rates possible. Very unethical. Not looking from anything from the finance company, but only needing to get this out of my reports. 

I am now finding out about credit and learning about all my possibilities and the importance of it for the past few months. I was a great student in college and I have been doing well in business, even helping out my family. Now, I am not shopping for credit but do see the importance of improving it, so I am here requesting this to be out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
The final payment for the Auto loan was made to SunTrust Bank on XX/XX/XXXX. The payment was on time and they are reporting this as 30 days late ( 1st problem ). 

We have not received the title. I co-signed on the loan with my brother in law and he reached out to them on XX/XX/XXXX and the said they would send a copy of the title nothing was sent. 

I contact Sun Trust on XX/XX/XXXXand talked to customer service representative by the name of XXXX and he told me he could not access the account and provided me with the Dispute number for credit and that the DMV would have the title. 

On XXXX I spoke with XXXX XXXX and she has stated there is no late payment showing and that she would forward the back up to me. This will take about 30 days. She is showing the title with the DMV. 

XXXX - Contact the DMV and they are telling me that I can not get the title because Sun Trust has a lean on the title. 

XXXX - Called customer service on the title and spoke with XXXX, He said after the previous request there was no additional information sent to us. His notes show that they let the DMV know the title was clear and they were not able to re-submit information to the DMV. He resubmitted a request to send documentation to us. 

This loan was paid in full under the terms and we are not able to get a copy of the title. Additionally, I want to ensure that any and all notice to the credit agency state we are late in paying are corrected. They have mine as showing 30 days late on the final payment and my Brother in law is showing paid on time. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: TX

Complaint narrative:
Bureau has the following information incorrect on me. 
My name is XXXX XXXX. The following are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also never resided at the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have been trying to verify a debt on my credit report for over a year now. Transworld Systems Inc has refused to send any documentation regarding this debt and has been very difficult when trying to make settlement offers. I have evidence that this debt is not mine and they have not been very helpful. I have even offered a settlement amount just to get this off of my credit report. They will not lock in an amount. They keep changing the agreed amount and refusing to send a written agreement. Every time I call it is the same two women that answer one name I can not pronounce or spell and the team lead is XXXX XXXX. I have asked if they could email, fax or mail documentation to me. They state that they have mailed documentation to me on XX/XX/XXXX, but I have yet to receive anything. According to them this debt is from XX/XX/XXXX for {$7900.00}. I have faxed, mailed and attempted but they refused to email them documentation proving that this debt was not mine, I have provided them with proof of residency, and everything else they have asked for. But when I spoke to them last week they stated they only received my social security card and a letter of concern in XXXX. They just informed me on XXXX XX/XX/XXXX that they are going out of business. I have even reached out to XXXX the original account holder and they stated that after two years they archive their accounts and that there is not account associated with my name or social security number. 

I have even sent dispute letters to all three credit bureaus as a last resort so far XXXX has deleted it, and stated it is not my debt. I am just waiting for XXXX and XXXX to do the same. 

This company has been very difficult to deal with. Always stating that they need to speak with XXXX first before accepting a settlement amount. They will agree to one amount at XXXX and then by XXXX the amount has increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TN

Complaint narrative:
Law offices of Mitchell D Blum and associates on behalf of XXXX XXXX XXXX  of Ga. Ive been contacted by this and other companies regarding the same account. Ive denied these charges for many years. Ive successfully disputed it off my credit report and now its back under a new collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened a new One Deposit Checking account with Citizens Bank  on XX/XX/2019. The online signup page states that I will be receiving a {$600.00} bonus with a single employer direct deposit of {$2000.00} and the bonus will be posted by XX/XX/XXXX. I completed the requirements on XX/XX/XXXX. The bonus has not been posted as of today. I have made repeated attempts to contact the bank via secure message but my inquiries remain unanswered. I have also included screenshots of the offer page and the bonus posting schedule below.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Bureau has the following information incorrect on me. 
My name is XXXX XXXX. The following are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also never resided at the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Bureau has the following information incorrect on me. 
My name is XXXX XXXX. The following are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also never resided at the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/19 I normally use a XXXX, XXXX or XXXX card and pay those each in full every month. At times I might make a large purchase then return all or a portion of that purchase after the statement date. When this happens, the amount due for that statement period is reduced. But not with the BOA card. Here 's what happened. 

My statement came out on XXXX. Shortly after the statement date, I returned a {$1500.00} purchase, resulting in a new outstanding balance that was {$1500.00} lower than my statement. My BOA card was set up to autopay the full amount due which I assumed was now {$2000.00}. However the payment was still set to {$3500.00}. I was going to manually edit the auto payment but to be safe, I called BOA the day before the payment was due to see if the {$3500.00} amount had to be paid in order to avoid interest. They said that interest would be charged if the {$3500.00} wasn't paid! Ridiculous. So now, after my payment is made, I have to call them and ask them to refund my credit balance. They get to use and earn interest on my {$1500.00} and I'm inconvenienced by having to call them yet again. This seems illegal to me, that they can use and earn interest on my money. No other card I have ever had does 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 2019-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
In the month of XXXX I saw early on that XXXX XXXX had withdrawn two payments for my account instead of one, which caused my mortgage payment to go NSF. I called my mortgage service provider around the XX/XX/XXXX-XX/XX/XXXX to notify them of the issue. they said it wasn't a big deal and to just submit the payment online again and it would be fine. I submitted again and the funds had not been cleared yet by my bank which resulted in ANOTHER NSF payment to the mortgage company. Post that payment I made two others that cleared my account but were returned a few days later. When I called they said my account had been placed as certified funds meaning the will only accept XXXX XXXX, cashiers check or Money orders. My bank if mostly an online bank and I am unable to go them and get a cashiers check. XXXX XXXX has upper limits on transactions and I would be forced to send them two transactions with fees of {$50.00} each. And given that the amount of each would not satisfy the amount owed they would more than likely return those as well.

Company response to consumer: Closed with explanation