vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Back in XXXX of 2016, I deposited a check into my Bank of America account that returned as being counterfeit. At the time, I had signed up for a secret shopping job assignment. The check was mailed to me to use for the purchases I would be making. I didnt know the check was counterfeit if so I would have never deposited into my account. I have attached the email correspondence from the person I was working with regarding the assignment. I am writing Bank of America to request that the negative reporting be removed from XXXX ( XXXX   XXXX XXXX ) and XXXX. I've spoken to several different departments within Bank of America. I was referred to send a letter with the email proof showing this wasnt intentional to have it removed. I am in the process of trying to get a mortgage through a bank, and this issue is preventing me from doing so. I would greatly appreciate it if you would please remove the adverse reports from both XXXX and 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 2019-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In XXXX, 2017, I was notified by XXXX that there was a new collection account added to my credit profile for {$370.00}. Having never received a notice from the alleged original creditor, I was shocked. Obviously, this sent my credit score into a tailspin. Luckily, I was able to dispute the debt immediately, only to have LVNV Funding/Resurgent Capital continue to verify the debt with the bureaus, without providing the requested validation. Now, we are at the point where I have enough of a paper trail, that if LVNV Funding/Resurgent Capital does not provide proof that they could hold me legally accountable for the debt, AND that they are legally allowed to collect the debt, I will be taking LVNV Funding/Resurgent Capital to small claims court to make my argument that this frivolous collection should be removed. XXXX has indeed completely removed the debt after 4 letters, XXXX  and XXXX  have not removed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX made a inquirie on XX/XX/19 which i never applied for credit. Please remove I have a credit alert and they should call me before anyone can run my credit.

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 2019-07-31 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
month of XX/XX/XXXX XXXX in fees XX/XX/XXXX XXXX XX/XX/XXXX XXXX in fees Total of XXXX with in 3 months. 
I work for XXXX and XXXX. You have good days and bad days. Times when 7 rides can be XXXX or more ans some days. 15 rides can only be less then XXXX. So you just cant predict what your making that day. I use my debit card to deposit the money I make daily And so I use it to put gas and to eat. I am constantly using it. If I over draw my account just by 3 fees. Its impossible to be able to Make enough for that day to have enough gas To just be able to cover those fees. So I deposit money in my account but at the same time accumulate more fees because its a hole I am not able to get out of. Its endless fees. 
I cant just not work to cover the cost of my fees and I cant open a different account to keep working wile paying the fees and keep feeding my self.. And avoid fees. 
I spoke to chase my situation they basically laughed at me. Because of these fees It eat all of my income. Unable to pay my rent My bills and my car payment. Its unthinkable that a financial institution is allowed to rob. 
People in this way. Basically taking advantage of people with low income. 
Its morally and ethically wrong. I called them to please refund me half of it. There excuse was weve giving you XXXX. Its outrageous And insulting to even say that. Trying to justify Why I should be happy with what theyve returned. Its infuriating and appalling. How they dont care and heartless Institution That only cares to take as much as they can And turn around if they just ruined someone life. Your not given much of a choice when it comes to banks that are willing to work with you. 
If you need a replacement of a card. You cant go to a branch to get one. Now its mailed and Its another way to accumulate those fees wile waiting to card .and extend the charges to different dates to continue to over draft the account. Theyve found ways to be more profitable. Then before just in fees alone. 

With in 3 months I accumulate XXXX just in fees not including Past years XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Hi - I have raised a concerned with XXXX about my issue that the offer was not service as expected. 
therefore i have raised a case # XXXX on XX/XX/2019 with XXXX and till date there is nothing happened. 

I was offered buy a phone and get a phone deal from sprint and when i availed the service from sprint .... even post 60 days i did not get the offere from XXXX. 

When i called XXXX for help, they took the case, no action made on that .... upon several calls, they confirmed that there is no offer exist .... 

mainly the reason for me to go XXXX was the offer only ... 

XXXX case 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 2019-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: First Data Corporation
State: IA

Complaint narrative:
Multiple phone calls to TeleCheck because customer 's has a new account number due to bank merger. 

TeleCheck has declined customer 's transactions and caused embarrassment since this is her place of employment. Ample funds are available. 

TeleCheck has not resolved this issue even with multiple phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I obtained my credit reports from all 3 credit reporting agencies and found Commonwealth Financial was listing an account that is not mine. I sent them a letter asking for validation of the loan or remove with in 30 days. I sent the letter certified and a representative from that company signed for it on XX/XX/2019. To date the account is still being reported and I have not received validation of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: TN

Complaint narrative:
I am trying to cancel ACH from my account from this company. I dont want them to auto debit my checking account for membership fees or loan payments. They will not cancel the ACH saying that I must payoff the loan before the membership ACH can be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
Freedom Mortgage has stated that I didn't make my payment in XX/XX/XXXX but I have a canceled check for this payment. They have charged me a late fee and added a mark to my credit report. I emailed them and was told they would send me a letter with the results of their investigation. To date I have not received any letter explaining what they found and they are now contacting me repeatably alleging I didn't make the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX Westlake Financial Services approved a loan of XXXX dollars to an auto dealer called XXXX in XXXX XXXX, Texas. Around XXXX I did try to look for a car, and gave my information to one of the sales man from that place, and my mistake was to give them my information through text messages. That auto dealer has been closed down for laundry money charges and for using social security from other people. I already contacted Westlake Financial Services multiple times and told them that I had nothing to do with the deal that was done without my consent, I never signed anything at all. They told me to do an Identity theft package on XX/XX/XXXX, the package arrive on that date, and I already sent it to them around the beginnings of XXXX. No answer whatsoever from them at all, I also already contacted XXXX twice about this issue, I sent all of the papers that were asked from me and they STILL tell me it is my account, that it belongs to me whereas it does not. I can not send more information to them because I already did, the car is nowhere to be found, I do not have it, no actions have been taken either by Westlake Financial Services NOR XXXX at all. My credit score has been gone down hill ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I recently opened a credit card account with Barclay bank of Delaware. At the time of opening the account offered 15 months interest free. I made use of such offer by transferring some high interest loans. This is where the problem begins, after initiating a transfer from one of Barclay subsidiaries ( Barclay personal loan ) in the sum of $ XXXX.The transfer was initially cancelled since it was not visible online for several days. In such case, I satisfied the due account with alternative means. The eventual out come was an account that was over paid in the sum of {$4900.00}. Apparently an issue that should be easy to resolved given the nature of the problem and the available proof.However, so far that has proven difficult based on the way that Barclay bank has been handling the problem.In any case, even after having contacted them over the phone the issue continues to be unresolved. In the mean time my account has accrued fees and the personal loan continues to be over paid in the sum of {$4900.00}

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 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX2019 I have been BOAs branch in XXXX of XXXX, and I have take cash from ATM in this branch for {$100.00} dollars by twice, because the first time didnt work, then, when I check my bank app for transaction history, my account be charged twice, and the second day, all the account history be fixed, only appears once money out, and account still be charged twice, because balance never change.

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 2019-07-31 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: Early Warning Services, LLC
State: MI

Complaint narrative:
Back in XX/XX/2016, I deposited a check into my XXXX XXXX XXXX account that returned as being counterfeit. At the time, I had signed up for a secret shopping job assignment. The check was mailed to me to use for the purchases I would be making. I didnt know the check was counterfeit if so I would have never deposited into my account. I have attached the email correspondence from the person I was working with regarding the assignment. I am writing XXXX XXXX XXXXXXXX to request that the negative reporting be removed from EWS ( Early Warning System ) and XXXX. I've spoken to several different departments within XXXX XXXX XXXX. I was referred to send a letter with the email proof showing this wasnt intentional to have it removed. I am in the process of trying to get a mortgage through a bank, and this issue is preventing me from doing so. I would greatly appreciate it if you would please remove the adverse reports from both EWS and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: CarMax, Inc.
State: TX

Complaint narrative:
I have recently obtained a copy of my credit report. I have no knowledge of this item, nor did I authorize it. Please remove this file off my credit it is hindering me. I have applied for anything within the last two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: IL

Complaint narrative:
My Direct 14 student loans thru the department of education were consolidated into two loans in XXXX. The two loans are now in default but the department of education is reporting all of the original 14 loans that were closed and consolidated as well as the two consolidated loans as in collection. So basically they are reporting 16 loans as in collection as of XX/XX/XXXX and XX/XX/XXXX. Although there is only two loans the other 14 were closed and transferred to the two consolidated loans over 4 years ago. I sent Experian the loan consolidation paperwork as well as the bill from the US dept of education only showing two loans they are collecting. And a print out from Nslds.ed.gov showing my the status of my current loans. I also contacted the lender who is reporting the inaccurate information and neither Experian or the lender will stop damaging my credit by reporting clearly inaccurate information. They are also reporting these loans as included in Chapter XXXX. Student loans can not be included in a chapter XXXX. I have gone round and round with both the creditor and experian about 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 2019-07-31 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: FACTUAL DATA CORP.
State: NJ

Complaint narrative:
On XX/XX/2018 I was contact via email by the Manager XXXX XXXX of the Homesavers Government Program that my application for a Home loan relief and assistance that they will not be able to process or give any assistance for me being that I was not in a position to complete all legal requirements demanded by the government to display for their review to decide my approval for funds. 

During this process of being reassured by my current home loan provider XXXX XXXX .... the action requested of me by Ms. XXXX XXXX at the Housing Agency was totally impossible. 

I have another borrower on my existing mortgage that I havent seen or conversed with in many years nor was I able to provided a current address or produce a required signature of the additional borrower because that would mean I was in contact with such person. 

I informed Homesaver Government Program Ms XXXX XXXX that it would require me to conduct a entire refinance of my home to remove the other borrower to have the ability to complete all vital Government required documentation necessary to go forward and that wasnt possible because I was also unable to afford such a process even if it was possible. 
Nor was I able to produce other financial records also stipulated in the Government detailed document to become a participant that MUST be provided by all residents in the community. 

As I explained to this Programs Management and Ms. XXXX XXXX, and many others who authorized the continuation of processing incomplete documents and altering the stipulations at their own discretion ignoring the demand of the Federal Government to obtain housing funds is simply athat did not meet the required standards to do so. 

Unfortunately I was not giving any type of common sense reply or explanation. 

Therefore, the inquiry that impacted my credit report was legitimately unauthorized that resulted in a decline in my credit score, Also I was informed by management and Ms.XXXX  prior to the decision of there action to submit these documents that I would be declined. 

Which was absolutely wrong to even attempt to submit with full knowledge of the essentials needed to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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:
Two fraudulent accounts have been posted on my credit and I have No association with these accounts. Ive been battling with the debt collections and telling them this is not me and its fraudulent. Its NOT my name nor my information that they have and it needs to be removed. The two fraudulent accounts posted are : XXXX   XXXX, fraudulent balance : XXXX, alert date : XXXX. 
XXXX XXXX XXXX, fraudulent balance : {$880.00}, alert date : XXXX. 

These accounts are not mine and need to be removed. Ive never worked with any of these companies.

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 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX I contacted my bank and reported the fact that I wasn't able to get the money in my account on time. XXXX XXXX XXXX XXXX was set up to withdraw funds. I went into overdraft as a result. The bank said the transaction was adjusted. I made a payment using another form of payment. I didn't have transportation and wasn't able to get the money in my account on time. On XX/XX/XXXX the same incident occurred. I contacted Social Security Department to have my money sent to the bank. It's out of my control that it take a long time for them to transfer my funds into my account. Therefore I made my monthly payment again to XXXX XXXX XXXX XXXX. I purchased a bed from the company they finance. XXXX XXXX XXXX XXXX is insisting that they deposited an additional charge into my account. The bank states the company only deposited {$79.00} into my account. I'm including a copy of XXXX XXXX XXXX XXXX statement. It shows that they deposited XXXX into my account twice. I'm being held responsible for a transaction I didn't get. Late charges have been added, late charges, etc. This is affecting my credit score. I'm finally getting my credit straight after being a victim of identity theft. I learned in XXXX that someone created an account using my personal information with Wells-Fargo Bank. A Federal Identification number was created using my personal information. The last four digits are XXXX. The name used is XXXX XXXX and my late father XXXX XXXX. It was as though I had a business. I was made the sole proprietor, the account was created in XXXX. The amount used was {$25000.00}. I'm still working with IRS concerning this matter.

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 2019-07-31 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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