vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Two derogatory reports for the same debt. As soon as I contested the first report through Trans Union, they added a second report for the same debt for twice the amount. When I spoke with the agency some time back, I was told by the original debtor, it was stated that there was no record that they submitted the original bill to XXXX. They refused to re-submit the cost because the debt was to old. Now that the debt was about to drop off, a new collection agency appeared stating twice the amount. By coincidence through Trans Union. I wish to once again contest this derogatory especially after what just happened. Thank you for notifying me of what I consider to be another error. I have worked very hard to clean up my credit. In my opinion the violations are coming through Trans Union, because they are the first that I filed a complaint with. Also again by coincidence, I have at least 2 agencies who are tapping into my credit report. XXXX is legal, the other two are not.

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 2019-05-03 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bought a car from driver select on XX/XX/2019. The finance bank that was use was regions bank. As of now XX/XX/2019 they have not reported the loan to my credit or payments that i uave made 3 so far on XXXX, XXXX and XXXX. I contanted them on XX/XX/XXXX about they having the wrong social security at a branch in XXXX in XXXX XXXX XXXX in XXXX texas, the branch manager asked for a copy of my drivers license and social security card which was provided on XX/XX/XXXX. They asked me to give it about 10 days for the loan to show on my credit. However nothing happened. I went to the branch again around XX/XX/XXXX and spoke with XXXX XXXX which told me that it will take another 30-45 days to have loan reported to the credit bureau. I Also received a call from an agent from regions bank on XX/XX/XXXX advising me that the credit update will happen this month in XXXX. However nothing has happened yet. I spoke with XXXX XXXX again today which advised me that XXXX XXXX was supposed to be working on issue and getting corrected and was suppose to call me back. I haven't receive any call yet.

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 2019-05-03 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a business account with a large bank outfit for 6 years in that time with daily deposits, the bank 's matrix has siphoned over {$18000.00} per year annually on average in un stoppable spiraling effect that know matter how many balloon payments I submit I always return to the same situation. It has been the only glitch on my efforts in business. I modify the expenses as much as I can and I never see it improving. This excessive charges have also resulted in numerous late fees in other areas of business due to the stress on the cash flow. I need help. I pay all expenses with cash with very little debt as of today. There is pending system they operate between XXXX and XXXX each day that allows them to play with my daily deposits and transactions. There is a great deal of statements to review If we are to move forward I will furnish them upon written request,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Contacted " XXXX XXXX XXXX '' on CFPB and they seem to think that their late marks on my credit report are correct. They stated that they received my Bankruptcy notice in XX/XX/2017. I filed in XX/XX/2017 so the late marks are irrelevant. They need to remove them. They stated that I have to file a complaint with one of the 3 major credit bureaus.

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 2019-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Contacted " XXXX XXXX XXXX '' on CFPB and they seem to think that their late marks on my credit report are correct. They stated that they received my Bankruptcy notice in XX/XX/2017. I filed in XX/XX/2017 so the late marks are irrelevant. They need to remove them. They stated that I have to file a complaint with one of the 3 major credit bureaus.

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 2019-05-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Contacted " XXXX XXXX XXXX '' on CFPB and they seem to think that their late marks on my credit report are correct. They stated that they received my Bankruptcy notice in XX/XX/2017. I filed in XX/XX/2017 so the late marks are irrelevant. They need to remove them. They stated that I have to file a complaint with one of the 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I made a {$2000.00} check deposit. BOA put a hold on my deposit until XX/XX/XXXX. I have verified that BOA took the money out of XXXX XXXX  on XX/XX/XXXX. Why do I have to wait 7 business days for a check that BOA have already received.

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 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one credit card is reflecting negative on my credit report. They have sent me several of letters stating that they would not put it on my XXXX XXXX credit report. I have disputed several Times in they continue to not remove my credit report. I have sent the letter in more than once. It is only reflecting a late payment. I have requested several times for to be off my credit report to one will not provide me detail information regarding this account. They just recently added it on my XXXX  credit report. The credit report does not have any detail information regarding this account. I am requesting XXXX remove this from my credit report. I also would like to have Capital one, XXXX, and XXXX validate the account or remove it from my credit report. Both account entails something different on both account. Please provide the FTC the letter that states that Capital One has agreed to remove from my credit report. The late payment reflects that it will be removed from my report this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hi Someone ordered TV from XXXX using my chase freedom credit card for {$440.00}. I was working that day ( XXXX XX/XX/2019 ) and I received email that XXXX order is ready to pick up and than few minutes later about thanks for picking up the order. I looked in my XXXX app and was surprised someone ordered & picked up TV. I called chase bank right away and they acknowledged that it is Fraud and credited me the amount. However on XX/XX/XXXX they put the charge back stating that it was done from my XXXX account and I have history with the same merchant ( someone bought TV 2 years ago from my XXXX account in Texas, new card was sent to me than and I changed my XXXX password ) so it is not a Fraud and is a dispute. I called XXXX and they state it is a chase card issue, Chase says it is out of there hands, talk to XXXX. I feel like consumer is being hassled in this and no one wants to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NJ

Complaint narrative:
Hi this debt was from a management company. We told them we were moving and we gave them our notice of leaving we paid a d discussed our deposit and all such things. They sent a lease and we ignored it because we knew that they knew we were moving. Then we moved and they sent us a notice you owe us a large amount not sure exactly what because we didn't sign the lease and not signing the lease is equivalent to reaccepting the lease. But we told them we were moving the management has been harassing us and the debt collector has been abusing us and being very rude. They made my wife very nervous and anxious and we would like to a dispute the debt and b sue them for their harassment please a law abiding citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX credit card is reflecting negative on my credit report. They have sent me several of letters stating that they would not put it on my trans Union credit report. I have disputed several Times in they continue to not remove my credit report. I have sent the letter in more than once. It is only reflecting a late payment. I have requested several times for to be off my credit report to one will not provide me detail information regarding this account. They just recently added it on my XXXX credit report. The credit report does not have any detail information regarding this account. I am requesting XXXX  remove this from my credit report. I also would like to have XXXX XXXX, transunion, and XXXX validate the account or remove it from my credit report. Both account entails something different on both account. Please provide the FTC the letter that states that XXXX XXXX has agreed to remove from my credit report. The late payment reflects that it will be removed from my report this year.

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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX credit card is reflecting negative on my credit report. They have sent me several of letters stating that they would not put it on my XXXX XXXX credit report. I have disputed several Times in they continue to not remove my credit report. I have sent the letter in more than once. It is only reflecting a late payment. I have requested several times for to be off my credit report to one will not provide me detail information regarding this account. They just recently added it on my experian credit report. The credit report does not have any detail information regarding this account. I am requesting Experian remove this from my credit report. I also would like to have XXXX XXXX, XXXX, and Experian validate the account or remove it from my credit report. Both account entails something different on both account. Please provide the FTC the letter that states that XXXX XXXX has agreed to remove from my credit report. The late payment reflects that it will be removed from my report this year.

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 2019-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
Nissan Motor Acceptance wrote the final status on a totaled vehicle that I financed through them as " {$7500.00} written off '' after I paid every penny that was not covered by my auto insurance. Now I had a conversation with them in XX/XX/2018 and during the fall of 2018 as well during which they promised me that once I paid the full balance owed they would remove the charge off status. Now " written off '' and " charged off '' mean the same thing. In other words, they deceived me into paying the full balance owed without removing the charge-off status nor indicating that the full balance was paid off, not Charged off. They lied to me. They need to delete that status ASAP. I can prove every single payment I made through my bank statements, including the final payment that reduced the balance on that account to XXXX. I even called to confirm how much I owed. They misreported this account and they need to own up to it and fix their wrongdoing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I am filing a complaint because the Money source has failed to provided the correct information. They are stating to the lender I have been late 13 times in the last 12 months, then another rep states I have been late 2 times and then another rep say 10 times. XXXX has tried to gather information in order to pay off the money source and close my loan. the money source has done this to previous costumers in the past as you can view these complaints at the XXXX. I have filed with them as well. I need further help. 

After sending the email below, XXXX XXXX from The Money source called me. There are so many conflicting documents and information being thrown around and that is not fair to our borrower. The one thing every agent ( we worked with 4 ) from the money source can agree on is that there have been 0 late  payments in the last 12 months. Going back further, Keep your home CA was making those payments on XXXX behalf. That is why we are paying off keep your home CA with this refinance transaction. 

The Money Source does not do verbal verification with XXXX and us, however, we got them to give us the information from 2 different agent and both had different information the rules and they accepted to do 2 previously. Yesterday, XXXX, myself and the borrower were on the line for over 2 hours trying to get the dates of the 4 late payments added to the last supplement. However, no one would give us that information. They said theyve given all they can and they can no longer accept any phone calls. 



Ive received the following attached documents all within the last week. As you can see, they all have very different information. 

The last 2 attachments are from verbal verifications we did on the phone with you ( The Money Source ), XXXX and the borrower. That is what we prefer. However, if you are unable to do a verbal again - that is fine. We can accept something showing The Money Sources name on the top. 

I am needing the following information : Has XXXX XXXX been had any late payments in the last 12 months? XX/XX/XXXX-XX/XX/XXXX. If so, what dates did those late payments occur? 
Has XXXX XXXX been had any 30+ day late payments in the last 24 months? XX/XX/XXXX-XX/XX/XXXX. If so, what dates did those late payments occur? 
Next payment date for his loan Last payment date for this loan Was this loan included in his bankruptcy? 
What is the outstanding balance? 

These were email correpospedece with them. 

They have refused to provide the correct information and the loan is unable to close because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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 was a victim of identity theft. i need these accounts removed asap. had no idea they were XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
We would like to file a complaint for Bank of America 's lack of ordinary due diligence in detecting check fraud and failing to perform its fiduciary duty. 
We are victims of identity theft and did not write 5 checks totaling {$87000.00}. We were out of the country for 6 months and returned to USA via XXXX XXXX XX/XX/XXXX. We went to the nearest branch shortly after arrival, discovered the fraudulent checks, then immediately reported it to the fraud department ( claim # : XXXX ) and local police department ( XXXX XXXX Police Report # : XXXX ) on the same day XX/XX/XXXX. 
On XX/XX/XXXX, Bank of America denied the claim solely due to 60-day reporting policy. An appeal was submitted XX/XX/XXXX to request further investigation. On XX/XX/XXXX, Bank of America denied the claim again solely due to 60-day reporting policy. 
We opened the savings account in XXXX, and have had minimal activity for the last 14 years. Bank of America did not verify signatures with our signature card before transactions because the fraudulent signature is nothing alike to the our actual signatures, even the last name was not signed on the fraud checks. We were not notified of these suspicious activities and the bank didn't suspect these large checks ( $ XXXX $ XXXX $ XXXX $ XXXX {$15000.00} ) totaling {$87000.00} in 5 weeks could be money laundering. 
Extenuating circumstances should exempt us from this 60-day fraud reporting window since we were not physically in the country from XX/XX/XXXX to XX/XX/XXXX, and we immediately reported the fraudulent activities upon discovery. 
Our check book has been in our possession wherever we travel. All but one forged check were written and deposited while we were overseas and not on US soil. Not only were the signatures not ours, but the check numbers are also from a non-existent check book. We did not request any additional check books from Bank of America or any other check-producing company. 
On XX/XX/XXXX Detective Sgt. XXXX XXXX of XXXX XXXX Police Station informed us that he spoke with the fraud department at XXXX XXXX XXXX XXXX, where the fraud checks were deposited. XXXX XXXX   already knows that this person that deposited the fraudulent checks is a fraud and reported it to the XXXX XXXX Police Department. 
This is a small amount of money for Bank of America, one of the largest banks in the nation, but {$87000.00} is a major part of our retirement money. It is disappointing that a global company like Bank of America is choosing not to investigate this type of crime, and, instead, closed the fraud claim fast, without offering support or common courtesy to a loyal customer.

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 2019-05-03 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 was a victim of identity theft. i need these accounts removed asap. had no idea they were XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 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 was a victim of identity theft. i need these accounts removed asap. had no idea they were XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation