vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019, I received a confirmation from XXXX that the refund for {$350.00} was completed. On XX/XX/XXXX I was told by Bank of America that they had decided to shut down my bank account which belong to my company. I received a check with the balance, however the {$350.00} refund which I was supposed to receive was never sent back to me. I have spoken to bank of america many times and I even went to the bank to speak to a representative. I have put a total of 8 hours into this case and the bank is claiming they dont have the {$350.00}. XXXX is saying that they issued the refund and that once they refund money, they do not have the ability to see where the funds went. In my opinion the funds were originally at Bank of America and once the refund is issued then the funds must go back to where they were originally. The {$350.00} are missing and Bank of America is saying they dont have the funds. XXXX is saying they dont have the funds neither.

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 2019-12-26 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: AZ

Complaint narrative:
Equifax and XXXX  Credit Bureaus Have Bankruptcy on these 2 credit agencies since XX/XX/XXXX and would like to have removed since 8 years old. I have good credit standing and would like to apply for student loans for further education however not able to to since this record is still on there.

I placed complaints to both companies and they will not remove due to they state it will not be removed until XX/XX/XXXX.

Any assistance would be great so I apply for student loans for education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I made a purchase from a fraudulent company, XXXX, using paypal. I opened a dispute with PayPal and XXXX provided a fake tracking number ( for a XXXX XXXX order to different address in the same destination city ). PayPal accepts this without investigation and closes the dispute. XXXX also claims payment is for " tuition and fees '' not products listed on their website and uses a personal XXXX address for their paypal account. 

PayPal has been made aware of this company by many other people and still allows its account to sell and denies disputes or to return money. Other hurt victims here XXXX XXXX   XXXX Notes and attachments included. I called XXXX and they confirmed the address is not same and sender is XXXX XXXX, not XXXX. I was not authorized to get any other information but said PayPal was authorized if they called, which they have not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RFNA, LP
State: SC

Complaint narrative:
SECOND REQUEST : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: FL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6, 7, 8, and 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC
State: NY

Complaint narrative:
I am writing to report multiple violations that Loancare is committing against myself and that is affecting me in a huge way. This company is reporting a wrong payment history on my account and some other UNFAIR BUSINESS PRACTICES that I will explain in this complaint. My account information : Loancare account # XXXX, opened XX/XX/XXXX. 

I must say that I tried to solve this big issue with them. I sent them a dispute letter on XX/XX/XXXX demanding the proper investigation as that the law requires. They didnt have the decency to investigate the account and THEY DIDNT EVEN REMARKED THE ACCOUNT AS DISPUTED. These two are UNFAIR BUSINESS PRACTICES, serious violations under the Fair Credit Reporting Act. They just ignored my request and didnt do anything about it. I also sent them another letter on XX/XX/XXXX, which they did not answer and didnt make the proper investigation. This company is not respecting my rights at all. 

This account was enrolled in automatic payments. My money was transferred to Loancare each due date. I dont know what happened or if it was an error on their system that they didnt take the payment as the should but I was not even aware of these lates on my report. When the late payments were reported, I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL as the law requires. They are being NEGLIGENT and UNFAIR. Loancare is also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by REPORTING FALSE AND ERRONEOUS INFORMATION.

This is affecting me mentally and physically. I have a high level of stress. This situation is just overwhelming for me. The violations that I mentioned can go up when I sat down with my lawyers.

I have a pending mortgage for {$400000.00} because of this issue. This is not fair. I demand a DELETION LETTER from Loancare as soon as possible so I can provide to my mortgage company and get approved with the interests I want. If they refuse to provide me with the letter through CFPB portal, I will not think twice to take this issue to court so it is decided by a judge. Thanks to whomever reads my complaint.

Attached : All documents sent to loancare, whisch they ignored.

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 2019-12-26 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: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6, 7, 8, and 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-12-26 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: AZ

Complaint narrative:
XXXX  and Experian Credit Bureaus Have Bankruptcy on these 2 credit agencies since XX/XX/XXXX and would like to have removed since 8 years old. I have good credit standing and would like to apply for student loans for further education however not able to to since this record is still on there. 

I placed complaints to both companies and they will not remove due to they state it will not be removed until XX/XX/XXXX. 

Any assistance would be great so I apply for student loans for education.

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 2019-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated
State: TN

Complaint narrative:
Back in may i received an offer in the mail to refinance my home. I called the company and spoke with a loan officer who went through pulling my credit and completing the paper work even after I said I did not think my house was worth the amount of money he was projecting to refinance and get cash out. The loan officer lend me to paying for an appraisal that they said would be reimbursed during closing with my credit card. After a week of consideration I decided to no proceed with the process because I felt the decision was rushed and did not make sense at the moment neither did the value of the home high enough as he was pushing. In XX/XX/XXXX I sent him an email asking if I could know what the rates were I could consider a refinance without the cash out. Before he responded to me he went ahead and pulled my credit again without my approval I received a real time alerts with XXXX. After I asked him he said he was checking where things stood and I never heard back from him again. A few months later I called I was told he left the company that is why he was not responding to emails. 
I asked to speak to a supervisor and make a complain while on phone with the person that said they were in charge the tried to explain my frustration and complain but the person was not interest in listening and when interrupted me to tell ask me " is your credit really low '' I responded and asked why because I have an accent I have to have a low credit? he hanged up his last words were you are very difficult. 
I called back and asked to speak to a manager, I was on hold 15 mins and when one was available he came on the phone and said he will listen to the call and get back with me it has been well over 3 weeks now and these racial comments are just not a rare thing for this company that just goes under wraps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: IL

Complaint narrative:
In case XXXX the responsibility for mortgage was assigned to XXXX XXXX XXXX XXXX failed to make payments until the home was sold on XX/XX/2019 I am asking that late payment activity is removed from my credit report and the case holds me harmless from responsibility

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 2019-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Disputed Fraud charges reoccurring on continuing billing. Charges credited as adjustment, then charged back as new transaction on account. Charges never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.

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 2019-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
THAY SEND A COPIE OF the account watch is not my there is no wet signature of my

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/19 I stayed at the XXXX XXXX  n XXXX. They placed a XXXX pending charge. This charge has now been pending for 14 days with XXXX telling me they released it on XX/XX/19 and my credit card company, Goldman Sachs ( Apple Card ), still shows the charge as pending. All they have told me is there is nothing they can do. They even said charges should be returned within 5-7 business days, but when asked why this has exceeded that, Goldman Sachs only said to keep waiting. I have asked multiple times about a policy in place that prevents merchants from holding on to pending funds in perpetuity, only to be ignored on the several times I have asked that question. I feel like this is a very foreseeable issue that a credit card company would face and am deeply concerned that a policy does not exist to allow for consumer recourse on this issue. I have reached out to them multiple times and have been stonewalled each time and told to keep waiting, but they wont tell me for how long. This is not right that Apple and Goldman Sachs are letting my funds sit with an outside company with no way to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: FL

Complaint narrative:
THE ACCOUNTS AND INQUIRIES THAT ARE DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE. I DID NOT AUTHORIZED THOSE TRANSACTIONS TO BE REPORTED ON MY CREDIT, THESE ACCOUNTS WERE INACCURATELY PLACED. I ASKED THAT YOU CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS AND INQUIRIES PURGED OFF MY CREDIT 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 non-monetary relief
Consumer complaint received 2019-12-26 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.

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 2019-12-26 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Arete Financial Group
State: PA

Complaint narrative:
Arete Financial Freedom is being sued by the Federal Trade Commission. I was a client of theirs. They promised to lower my student loan payment after I pay an upfront amount of {$750.00} paid in first three months of contract and then a monthly payment of {$29.00} since XX/XX/XXXX. To today 's date, XX/XX/XXXX I have paid this company {$1500.00}, all of which I thought was going toward my grand total of student loans of when I signed with this company, {$9000.00}. After receiving an email of this company being sued by the FTC, I checked my loan statuses. The total amount of my loans is now {$9600.00} with the interest it has been accruing from the non payments. So, the company put XXXX money toward my loans and I am now penalized.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: CO

Complaint narrative:
I terminated the contract by returning the puppy to a no kill shelter. The contract was to be reduced to half of the loan amount due to termination yet, the lender is attempting to collect the full amount and accrual of monthly rental fees for the puppy I no longer possess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: FL

Complaint narrative:
ITS NOT MY ACCOUNT, NEVER APPLIED FOR IT. I NEVER SIGN ANY DOCUMENTS WITH THIS COMPANY.

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