vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I have an account with Bank of America and I used their transferring service ( XXXX XXXX to transfer {$990.00} to a friend of mine to another Bank of America account and the money is nowhere to be found but taken out of my account on XX/XX/2019. Ive reached out to BOA and we submitted a claim ( XXXX ), I just heard back and claim was closed because allegedly the money was transferred. My friend went to BOA and they told her that the {$990.00} were not in her account and that we needed to call back and now theyre telling me to tell her to call. Im back to step 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 monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Golden Title Loans LLC
State: TN

Complaint narrative:
This is the 2nd complaint being filed. 745 Cash told my financial institution that they were working on refunding me back what they took out of my account. I have tried to contact 745 Cash several times to resolve and they will no longer return my phone calls. They have violated the Tennessee  Consumer Protection Act, as well as, The Fair Debt Collection Practices Act under Federal Law. 

They took money from an account that they had no authorization to take. I have requested the loan paperwork, signed check and audio recording where they claim I gave them permission to deduct {$480.00} from my checking account. They have not provided the below documentations under my requests, because they do not exist. They had my current debit card on file for future payments that I would authorize. I'm on their recording saying I would call back to make the payment, I did not give them permission to take money from my account at their leisure. They also nullified the original loan agreement by accepting the first {$50.00} payment on what was supposed to be a biweekly payment plan. They had no legal right to access my checking account that the payday loan was not originally affiliated with. 

Emails are attached where my financial institution states that they've spoken with a representative from 745 Cash and that 745 Cash was working on refunding me back. 

Again, I am requesting the following : *paperwork that shows that a payday loan was taken out on my XXXX XXXX XXXX account *the cancelled check from XXXX XXXX XXXX for which they assessed me a bounced check fee *the audio recording where I gave permission to deduct {$480.00} from my account, or the recording where I gave them permission to access my account at their leisure *Refunded back the amount that they were not authorized to take as well as the two overdraft charges ( {$36.00} each ) that they incurred, totaling {$520.00} In accordance with the Fair Debt Collections Practice Act, they are required to provide the above, failure to do so will result in further legal action.

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 2020-01-10 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: NJ

Complaint narrative:
I disputed a bankruptcy on my Experian Credit report. They stated that their information was verified by XXXX. I disputed the erroneous reporting direct with XXXX on XX/XX/2019 and XX/XX/2019. XXXX did not respond to either dispute. Attached is the communication with XXXX and the U. S. Postal Service confirmed that they received my dispute. 

Also attached is my U. S. Postal Service confirmed that the Experian Credit Bureau received a copy of this Dispute.

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to get my free annual credit score from Experian for the past two weeks, but I have been unsuccessful. I have tried to request the credit report online, by mail, and by phone, but none of these methods have been successful. Experian can not tell me why I can not access my credit score, nor can they fix it. Also, the customer service seems to have a habit of making promises they have no intention to keep. For example, after several hours on the phone, a service agent " escalated '' my case because she could not fix the problem. When I called the next day, still unable to get my credit score, the new agent told my that my case was marked as " resolved '' and closed. But nothing was fixed. Now I am on the phone with them again and they still do not know why they can not access my account. I haven't had any such problems with the other two credit reporting agencies. Experian is a highly dysfunctional organization that has no right holding so much power over regular citizens.

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 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vengroff Williams, Inc
State: NV

Complaint narrative:
XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX Did not call me nor mail any amount owed. XXXX XXXX  sent the account over to Vengroff Williams Inc in which is a debt collector in which I disput the amount of {$91.00} XXXX XXXX  also ran my credit cared several times in one day for the same charge of {$54.00} dollars back to back in which my credit card company contacted me about the charges. I paid the bill at close out of the rented truck.Now Vengroff is trying to charge late fee 's in which XXXX XXXX never contacted me about any balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got a call from a representative who claimed to be from GE Capital regarding a debt to XXXX 's which is over XXXX XXXX XXXX. They call periodically throughout the year and threaten to sue me and serve me at work, but when I tell them the debt is too old, they hand up on me abs I dont hear from them for a couple of months. Today XX/XX/2020 however, they called the HR department at my place of employment, told them they were trying to get ahold of me and were trying to collect a debt. I called them back and the gentleman and extension XXXX told me he was going to sue me, show up at my place of employment and get me fired. I have told them more than once that I am not allowed calls at work, but they just keep calling and threatening to sue me. The number they left was The number is XXXX ext 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 2020-01-10 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: NJ

Complaint narrative:
I dispute some illegal credit inquiries on my credit report. TransUnion Credit Bureau stated that they were verified. So I disputed the illegal credit inquiries directly with the companies that requested my credit report. They did not respond to my request for proof that I authorized these inquiries. 

Attached are letters that were sent directly to these companies and U. S. Postal Service confirmed that they delivered my dispute

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 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TX

Complaint narrative:
XXXX called me. Called back at XXXX They do not identify as debt collectors. They take a threatening tone and say they are calling to resolve a personal business matter and refuse to identify the debt they are attempting to collect or the amount and say that I have to give them their address or they will not identify the account they are attempting to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
CMRE Financial Services sent a letter for collection of a Hospital bill that I have no knowledge of ... I requested CMRE to validate the aforementioned debt along with proof of their credential proving their legal right to collect the alleged debt per the Fair Debt Collection Practices Act and the Fair Credit reporting Act ... This request was sent via certified mail by the United States Postal Service ... ( See Attached Documentation ) ... The first response from CMRE was to issue a supposed bill ( See Attached ) with absolutely nothing referencing the supposed original debt on a sheet of paper with no letterhead markings from CMRE or the supposed original debt collector..I then sent a letter of refusal of their claims of the alleged debt for multiple reason, all based on the first aforementioned request for validation which very specific information was requested in order for me to further investigate the alleged debt..CMRE did not provide any of the Lawfully requested information ... After I sent the refusal of the incomplete, flimsy and unanswered documentation ( Via Certified Mail per the U.S.P.S ) that was sent for their so called validation..CMRE responded with a letter stating the validation had been proven..CMRE is in clear and blatant violation of the FDCPA and FCRA..THIS DEBT IS NOT MINE! and CMRE has in no way proven this debt to belong to me after being giving the LEGAL allotted time to do so ... .I request that CMRE be investigated for their disregard of the federal statues, remove this erroneous collection from all three of my credit bureau reports and they cease and desist all collection actions of this erroneous debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-01-10 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
first, these questions were vague and inaurately describe my issue. 

Wells Fargo closed my account because XXXX auto payment overdrew. 

Wells Fargo and XXXX are both owned by XXXX XXXX? 

i want to know of that payment was made on my Visa card after it had expired? but my account is closed so where is the history data? and i gave the nice bank lady my expired card, so you have to ask them the epiration date? 

and i want to know if my account was part of the scandal, where savings accounts were added. and re done and all that? deleting my account, hiding that? 

and i made a complaint that after cashing a XXXX XXXX XXXX at my bank, it had my name and my grandmaw 's name and address on it, some one started calling her and asking for money? that's all i know about it. 

just regulate and make sure everything is on up and up.

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 2020-01-10 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 dont believe that this account is correct, but it's being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT FROM XX/XX/2019 ON MY XXXX ACCOUNT. I'VE HAD A FEW MINOR HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO 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 2020-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
I applied for a {$300.00} loan to be paid back on my next pay day with a {$90.00} fee. they ended up taking {$90.00} every two weeks out of my bank account until now which equals {$990.00} so I paid {$990.00} for a {$300.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: NV

Complaint narrative:
the information of my credit report is not correct and invalid items are on my credit report that should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
FedLoan incorrectly notified me when I needed to re-certify my loans for IBR in XXXX. I received notice from them on XX/XX/XXXX that said I needed to recertify my loans by XX/XX/XXXX or my payment would increase to {$480.00} with the first payment due XX/XX/XXXX. 

When I received my XXXX bill, my payment amount had already changed to {$480.00}. When I called they said I had made 12 payments already on my current IBR plan. I explained I had just received a letter that said I needed to recertify by XX/XX/XXXX and the payment amount not increasing until XXXX. I paid the full amount of {$480.00} because I did not want to miss a qualifying payment. 

I submitted my IBR documentation for immediate review and received a revised payment of {$230.00} with first payment due XX/XX/XXXX. 

FedLoan admitted their letter was incorrect and should have been sent 60 days sooner than it was. On XX/XX/XXXX they told me FedLoan could perform an override and provide me a refund. 

It has been 17 months and no override has taken place and I have not been refunded. I am nervous about filing the complaint and receiving a refund because I am on PSLF. I can see this causing cascading issues with my qualifying payments because FedLoan has already shown mishandling of that information with my account. Extra care and caution must be exercised with resolving this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-10 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 dont believe that this account is correct, but it's being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The loan process was fairly easy. Didn't have any issues until I was notified that I could refinance. Called and stated I am interested in refinancing and XXXX the Branch Manager stated she would get the loan paper work started so i could come in a few days later and sign paperwork. When I came in, nothing was started per the other associate sitting in the office. They also stated i need proof of address and a paycheck. No biggie but, would have been nice to know prior to showing up. Come back with the required documents & specifically ask twice in two different ways whether and hard inquiry would be placed again on my credit from refinancing my loan. Answer was no. Next day, I received an alert stating a hard hit on my credit from XXXX XXXX. Called XXXX XXXX & the lady that answers, stated they shouldn't have ran credit within a year. XXXX calls back and says, " I said there would be an inquiry ''. If that was the case, I wouldn't have done it and told her that. Hook & bait. I was very clear when I asked the question & was told there wouldn't be an inquiry. UNAUTHORIZED INQUIRY needs to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The loan process was fairly easy. Didn't have any issues until I was notified that I could refinance. Called and stated I am interested in refinancing and XXXX the Branch Manager stated she would get the loan paper work started so i could come in a few days later and sign paperwork. When I came in, nothing was started per the other associate sitting in the office. They also stated i need proof of address and a paycheck. No biggie but, would have been nice to know prior to showing up. Come back with the required documents & specifically ask twice in two different ways whether and hard inquiry would be placed again on my credit from refinancing my loan. Answer was no. Next day, I received an alert stating a hard hit on my credit from XXXX XXXX. Called XXXX XXXX & the lady that answers, stated they shouldn't have ran credit within a year. XXXX calls back and says, " I said there would be an inquiry ''. If that was the case, I wouldn't have done it and told her that. Hook & bait. I was very clear when I asked the question & was told there wouldn't be an inquiry. UNAUTHORIZED INQUIRY needs to be removed from my credit reports.

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 2020-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
With XXXX XXXX/AES I have been told that I eligible for several different forebearance and in school deferment options, and when I check back I am being told I am not eligible for anything because I am past my grace period. I am not even eligible for lower payment and as I have applied for other things I have been told I am eligible for and have been turned down ... I am behind over XXXX. I have been in touch with many different representatives who have told me different things and today I was just told I am not eligible for anything. This is very frustrating and I need help trying to work out a affordable flexible repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: NY

Complaint narrative:
today XX/XX/2020 my XXXX  score dropped from XXXX to XXXX with no explanation. MY credit is impeccable and I am not delinquent in any debts. XXXX did put an erroneous entry in collections, but that problem is being resolved by the XXXX executive office. XXXX XXXX is the contact at 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