vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been lied to by XXXX XXXX XXXX XXXX. Here is what happen to me. I set up a payment plan with XXXX XXXX XXXX XXXX. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report. 

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been lied to by XXXX XXXX XXXX XXXX. Here is what happen to me. I set up a payment plan with XXXX XXXX XXXX XXXX. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report.

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been lied to by XXXX XXXX Auto Finance. Here is what happen to me. I set up a payment plan with XXXX XXXX Auto Finance. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report.

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX  at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.

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 2019-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Between XX/XX/2019 to XX/XX/2019 XXXX XXXX charged me {$3200.00} for the services provided for my son 's dog XXXX. She sent invoices from the hospitals and also collected additional funds. The invoices were for XXXX XXXX emergency admittance and XXXX. XXXX was never performed though she said it was. She also failed to comply by providing the records of any services that were rendered to XXXX. This put XXXX in danger and in absence of the records, it is causing heavy inconvenience for us to have XXXX registered in XXXX. This is a clear case of fraud and when I tried to contact XXXX XXXX XXXX for the transactions done via online banking, they could not help. The transactions using Zelle ( through XXXX XXXX XXXX ) are below. 

They are to XXXX XXXX ( XXXX XXXX CA phone - XXXX ). 
XX/XX/19 - {$480.00} XX/XX/19 - {$740.00} XX/XX/19 - {$990.00} XX/XX/19 - {$50.00} XX/XX/19 -  {$670.00} Please help this resolve this ASAP and have XXXX provide XXXX 's records and refund the excessive money she charged for the services that were not provided. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: MS

Complaint narrative:
I'm upset because I went to purchase a car and did not qualify. This has been ongoing now for some time again there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax : XXXX, XXXX : XXXX. XXXX XXXX XXXX Equifax : XXXX, XXXX  : XXXX, XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX, UNIVERSITY XXXX XXXX Equifax : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I made a balance transfer on my Bank of America cash reward credit card earlier this year and the promotion rate will be expired in XX/XX/2020. I have been paying the minimum payment to fulfill the term and condition. However, I used this card for a purchase in XXXX and the credit company starts charging me interests in the past 2 months even though I learned their new purchase term and paid off the purchase. Now, this month, I still demand to pay interests for that purchase. 

I am totally frustrated by the way that the credit card company demand for interests on a new purchase. This is absolutely a rip-off.

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 2019-07-22 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: NY

Complaint narrative:
I have been a victim of identity theft due to my personal and private information being exposed in breach. I have since noticed many accounts applications and debt opened in my name that I have not permitted and have no responsibility of or prior knowledge. I have taken actual by reporting this theft to the local authorities and by filing an identity theft report to try to resolve this matter. I have contacted credit bureaus directly only to be told to contact the banks who then tell me to contact the credit bureaus. I need to have this issue resolved and my rights of FCRA to be upheld.

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 2019-07-22 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: NY

Complaint narrative:
I have been a victim of identity theft due to my personal and private information being exposed in breach. I have since noticed many accounts applications and debt opened in my name that I have not permitted and have no responsibility of or prior knowledge. I have taken actual by reporting this theft to the local authorities and by filing an identity theft report to try to resolve this matter. I have contacted credit bureaus directly only to be told to contact the banks who then tell me to contact the credit bureaus. I need to have this issue resolved and my rights of FCRA to be upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an Escrow Shortage Notice that required a payment of {$4700.00}. A Cashiers Check for the amount of {$4700.00} was mailed to their office on XX/XX/XXXX for the shortage. 
Another Escrow Shortage Notice was received on XX/XX/XXXX for an amount of {$4800.00}. Which is outrageous because I had just sent a payment in XXXX, XXXX and that payment was NOT noted or credited to the account from the Notice that was received in XX/XX/XXXX. 
WHERE IS THAT MONEY? 
I have attached copies of the XX/XX/XXXX Escrow Shortage, the Cashiers Check and XX/XX/XXXX Escrow Shortage, copies of Property Tax Statements that show an increase of {$210.00} from XXXX and a copy of the Declaration for Homeowners Insurance of {$2100.00}. 
I DEMAND this company to justify why I should expect to pay {$9600.00} in Escrow. 
Im paying double in Escrow than on my mortgage note!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
When this money order was purchased on XX/XX/XXXX for the XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX, I was not informed that there was a fee associated with not cashing the money order. 

I requested a replacement money order on XX/XX/XXXX and was informed on XX/XX/XXXX that my money order has no value since there was a monthly fee. 

It is deceptive to have to pay for a money order first before evening knowing there's a penalty associated with not cashing it. What is even worst is that the penalty is in fine print so if you are legally XXXX or have bad eyesight it is even more difficult to explore and read the fine print. Thirdly, there was never no communication that there's a purchaser agreement listed on the back of the money order. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GMA Investments, LLC
State: TN

Complaint narrative:
I have repeatedly tried to ask these people what they are calling for and they won't give any information but they continue to harass me and my husband they have called his work lying talking about garnishing and giving out his personal information. I don't know who they are they keep saying " XXXX XXXX  '' and " Summit Receivables '' when they answer we are tired of being harrassed.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I Started an original application for VA streamline in XX/XX/2019 that one was situated with application due to misunderstanding. I submitted another application XXXX did not have most pleasant experience first processor XXXX XXXX you could not never get a hold of because voicemail was to full, emails never returned back, and he told me up front Navy FEDERAL was backlog that they were going take up whole 60 days.The loan should of straight forward with minimum documents needed. 
After reaching out to supervisor multiple times because it was impossible to get a hold Mr.XXXX  my loan application finally reassigned so I missed my 60 day lock rate due not having communication. I am on the verge not closing in timely manner which is causing me stress because I could of stayed with current lender do refinance way quicker because they my file ready to close but I turned it down because navy federal said I was closing on XXXX XXXX.I did not pay my current month because I was promised to close on that date. 
This journey has pure nightmare for someone that has a permanent mental condition.Even I close this month I am worried about potentially being 30 day late for XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
i have been receiving calls from this company regarding some collections for medical bills? i have never been to any medical facilities of any kind to have any debt under my name. This could be a result of identity theft i was going through. I'm attaching my identity theft report with this request. Please verify the information again please remove this from profile as i dont have anything to do with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: MS

Complaint narrative:
I'm upset because I went to purchase a car and did not qualify. This has been ongoing now for some time again there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX, Transunion : XXXX. XXXX XXXX XXXX XXXX : XXXX, Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : 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 2019-07-22 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: MS

Complaint narrative:
I'm upset because I went to purchase a car and did not qualify. This has been ongoing now for some time again there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX   XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX. 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 2019-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a check from a Freelance company that I thought was legitimate, the check was returned on XX/XX/XXXX. On XX/XX/XXXX, I woke up with card fraud. I typically work early and I rushed. I did not check that this happened until later in the day. Did not receive a confirmation on a XXXX transaction made with XXXX XXXX ( XXXX ) but I did receive a {$500.00} transaction notice but I received it the night prior on XX/XX/XXXX at night. I sometimes do not check my emails right away. 

I called immediately as soon as I was made aware of these charges. I realized that all of the occurrences happened simultaneously and I have proof that the fake check was not created by me but sent to me. I did not however authorize any of the other transactions. 

I have been trying to talk to Chase regarding this for the past 3 weeks. My initial temporary credit was deducted this Saturday because the claim I opened was denied. I have been going back and forth with Chase giving me vague information about providing more information or evidence without specifying anything. I then finally got them to tell me that providing an IP address as documentation can allow me to reopen it, but again they were extremely hard to work with and this was getting out of hand. I did start to raise my voice in this matter during my calls out of frustration because no one seemed to believe me or help me. I did NOT c create this fake check and I did NOT authorize any of these payments at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am on a fixed income and my mortgage payments started increasing over what it should of been based on a speculation of home insurance and tax increase which they were not at the time. I am now being charged an increase for a shortage i had no knowledge of and a large payment being sent for my taxes and home insurance.

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I tried to place a credit freeze on my account with Equifax and failed to do so. There automated system wouldn't work. I dialed XXXX and tried 4 times. Failed every time. I called XXXX and spoke to a person. I gave them Name, address, social security number, date of birth, and they kept asking questions about past loans. I've paid everything off and have no debt. I can't remember all my past loans to tell them. They were very frustrating. I asked to speak to a manager and got the same results. Her name was XXXX. She would not give a last name. I was unable to place a freeze on my credit with Equifax, I called XXXX  and XXXX and had no problem. I gave their automated systems much less information and successfully placed a credit freeze on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Our company opened an account at Bank of America Merrill Lynch and we were using wire transfer to make payment. When making a wire transfer, a token is required for security purposes. In XX/XX/2019 our token was out of service.Then we contacted the bank to issue us a new one on XX/XX/XXXX. Per the banks 's request, we submitted a letter to explain the fact and asked for a replacement of the token. However, we have never received the new device. We have sent many emails to discuss but never got a reply. We then call them to see what happened. Everytime we call Bank of America, the customer service gives us a case number and promise the new token is on its way. But we have never accually received. It's been like 2 months and our regular payment and receiving are significantly delayed. 

We don't understand how could they so arrogant to the customer. That's why we are sending our complaint.

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 2019-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
hello, i have phoned nelnet repeatedly. 

i get absolutely no where! the people and supervisors who answer the phones are the rudest people ever. i am assuming that it is because you are a private company vs federal. horrible. i can not get any information from them. 

XXXX XXXX. { no one seems to know who that person is XXXX mailed me some paperwork. the paperwork is not cohesive and i would like to speak with " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
OnXX/XX/2019weflewtoXXXXXXXXandattheairportlookingfortaxitotheportcityofXXXXXXXXtocatchacruise.Ahandleratairportexitstated{$85.00}fortheonehourtwentyminutesride,whichisinlinewithtaxiestimatesonline.Ataparkinglotwemetawomandriver,anethemanprocessedmycreditcard.Uponarrival,thewomansaidshecouldnotgivemeanyreceiptsinceshecannotprocesscreditinhercar.Oncereturnedhome,Ifoundoutwewereactuallycharged{$1400.00}fortheride.Iraisedissuewiththecreditcardcompanybutthreeweekslaterwasagaincharged{$1300.00}forthetransaction.IrequestedtoseeacopyofthereceiptsinceIdonotremembersigningone.Eventuallyitwasprovidedformewhichdidnotbearmysignature.ButtheladyatBankofAmerica(XXXX)saidaccordingtocreditcardpolicy,sincemycardwasnotstolen,Iconsentedwiththeservicerequested,andareceiptwasproduced,Ireallydonothavegroundstoprusuethematteranyfurther,despitethefactIdidnotacknowledge,agree,norsignthereceipt.

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