vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: VA

Complaint narrative:
Please see attached filed. 

My cell phone number was ported from XXXX XXXX to XXXX XXXX on XX/XX/XXXX. XXXX has continued to bill me as if I was a customer. I have been contacting XXXX to dispute the charges since XXXX of XXXX. Attached are bills going back to XXXX of XXXX. As you can see on every bill, ZERO data and gigabits were used for every month I was billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: A-1 Premium Acceptance, Inc.
State: TN

Complaint narrative:
On XX/XX/2019 i sent a ACH payment revoke letter. On XX/XX/2019 they took a payment from my account without authorization. I am in the process of filing for bankruptcy and told them this. I am making payments to my attorney in order for us to file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
XX/XX/2019, I opened the account with my former co-leader of XXXX XXXX XXXX  XXXX. I showed them my Social Security Card and license. In XX/XX/XXXX, we swapped out one co-signer for a different one, and again at that time I also showed them my Social Security Card and license. That's two times in 8 months. Today, I tried to log into the XXXX   account because every couple of months I update the spreadsheet and reconcile with the online account for what we have and what expenses / income we have coming up. I could not access our troop account because again the bank is requesting my social security card along with my license that I have already submitted twice in 8 months. This is very unprofessional and shows a complete lack of competence. So right now, with one week until our next meeting our XXXX does will not have access to our funds which is hampering our planning efforts for the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express charged me for additional cards on my account. On XXXX XXXX, I attempted to access my account to set limits for one of my additional card holders so they could use their card, and was unable to do so. 

I called American Express and they were also unable to set a limit which would allow me to actually use the card. They are also refusing to issue a refund for the fee that they charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: WI

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.

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 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.

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 2019-11-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX continues to furnish data on credit file improperly. XXXX  debt is satisfied and was eligible for removal. Company failed to comply according FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/19, my Ally Bank debit card was fraudulently used. The charge was for {$410.00} and it appears on my bank statement as " XXXX XXXX XXXX XXXX , CA , US ''. I reported it to Ally Bank XX/XX/19 as a fraudulent charge and they opened a dispute. They came back to me that the dispute was denied because my debit card was used on the website of a 3rd party payment processor and therefore I needed to file the complaint with XXXX. I called XXXX and they continue to tell me that they can not locate the charge without the full 10 digit debit card # that was used. Because the card was fraudulently used, and I subsequently cancelled said card, I no longer have the card in my possession. XXXX tells me they can not locate the charge to open a complaint without the full ten digit number.

I have worked with Ally Bank and after exhausting all resources, they said they have no way of finding the full 10 digit # of a debit card that is cancelled. I have spent hours on the phone with XXXX, and they said there is absolutely no way for them to locate the charge in their system without the full 10 digit debit card number. I am highly suspicious that XXXX has no other way of locating it, or that Ally Bank can't work with XXXX to locate the transaction, but neither company is being helpful and I am still owed {$410.00} that was stolen from my bank 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 non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
XXXX XXXX is attempting to complete a short sale with PHH. XX/XX/XXXX XXXX XXXX called PHH and asked for a short sale update, PHH said the short sale is under review and the appraisal has been ordered and to call back next week. XXXX XXXX called back XX/XX/XXXX with the same response. XXXX XXXX called back XX/XX/XXXX, PHH said the file is not under review for a short sale but under review for a loan modification even though the borrower is deceased and the home is vacant. XX/XX/XXXX XXXX XXXX called PHH and they said the executor documents are not valid, the manager reviewed them and verified they are accurate and that was a mistake and he will updated the file. XX/XX/XXXX XXXX XXXX called in and PHH said the loan modification was reviewed and closed out, and now will be open for a short sale review and the appraisal will be ordered. XX/XX/XXXX XXXX XXXX called PHH and the file has been escalated and to call back in 2-3 business days. XX/XX/XXXX XXXX XXXX called PHH and they said the same thing. XX/XX/XXXX XXXX XXXX called PHH and they said the file can not be reviewed for a short sale because the file has to be reviewed for a loan modification first. The manager got on the phone and said that was a mistake and the file will be opened for a short sale and will be escalated to the case manager XXXX XXXX ( never received a reaponse ). XX/XX/XXXX XXXX XXXX called PHH and they said the file has to be reviewed for a loan modification before it can be reviewed for a short sale. The manager XXXX XXXX ID # XXXX said she is not sure if the file has been reviewed for a loan modification and will expedite the file to get moved into a short sale review. XX/XX/XXXX XXXX XXXX called PHH and they said the file can not be reviewed for a short sale as it needs to be reviewed for a loan modification first. The manager XXXX XXXX ID # XXXX said he personally escalated the file to get opened and reviewed for a loan modification, and the file has not been opened for a loan modification. Today he said he will open the file for a loan modification.

Everytime I call in to get a short sale status updated the phone call is at least 1 hour or more. Can someone please help PHH follow short sale guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: GA

Complaint narrative:
Hello I reached out to you all back in XXXX about some items on my credit that were not mine. This has really been a big inconvenience and has put me in a really bad spot. Some of the items were handled but there are still two more and some inquiries. Please remove these accounts from my credit asap. I got in touch with the local police also the ftc. Items for removal : XXXX XXXX XXXX XXXX and XXXX And the inquiries are XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  and 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 2019-11-05 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: GA

Complaint narrative:
Hello I reached out to you all back in XX/XX/XXXXabout some items on my credit that were not mine. This has really been a big inconvenience and has put me in a really bad spot. Some of the items were handled but there are still two more and some inquiries. Please remove these accounts from my credit asap. I got in touch with the local police also the ftc. Items for removal : XXXX XXXX XXXX XXXX and XXXX And the inquiries are XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and 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 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There was an account opened with XXXX XXXX on XX/XX/2019 and had a high balance of {$2900.00}. I made payments on the account while attempting to dispute. Im hoping to have results now. Also, on XX/XX/2019 there was another account opened with XXXX XXXX XXXX in the amount of {$2600.00}. These accounts are fraudulent and Im told were registered to North Carolina and I reside in Michigan.

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 2019-11-05 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 been a victim of Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have 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 explanation
Consumer complaint received 2019-11-05 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: AZ

Complaint narrative:
The following accounts listed on my Equifax credit report are fraudulent and not my accounts : XXXX XXXX XXXX and XXXX XXXX, {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
i notified Bank of America that my information was in face compromised. I provided them with the FTC Identity theft affidavit. I went to a local branch where i explained what was going on. The banker insisted that i open a new checking account for my protection. So i opened a new account awaiting for bank of america to take action against the account that fraud was committed on. They did absolutely nothing with information i provided to them. They left the account open to rack additional fees for months.They took a entire check from the IRS i deposited in the amount of {$1300.00} on XX/XX/19 to fund an account that i reported has resulted in account takeover / identity theft i'am requesting my funds as well as the money that was taken from me in the deputes which i have provided all needed documentation the dispute # is 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 2019-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have a personal checking and savings account with Wells Fargo I also have a business LLC account with Wells Fargo checking and savings and had a business LLC credit card the credit card I believe I had for 2 years or more never missed payments have been late about six months ago I can only make the half of the minimum monthly payment and they closed my account for that 2 months later somebody called me from Wells Fargo wanting full payment on this business credit card and I told him you guys close the account I signed up to make payments not to make a full payment that I can't afford in one shot so here we are phone call disconnected cuz we didn't reach a mutual agreement XXXX speaking on this day XX/XX/2019 I had roughly close to {$5000.00} in my business checking account Wells Fargo credit services I guess went into my personal savings and withdrew {$5400.00} to pay off a credit card that was a business LLC the user agreement says they're governed by South Dakota laws I live in South Carolina the user agreement speaks on offsets and it was on the back of the business card agreement so naturally you think that it's speaking on behalf of businesses when it's referencing but it doesn't mention anything about llc 's and corporations company Etc business assets differentiate between personal assets I'm no attorney but I think they broke the law by crossing over accounts on top of that there was money in the business account in that account that they were true the money from also has my kids social security death benefits that is in there also that are minors XXXX old enough to have their own bank account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE FOLLOWING COLLECTIONS ACCOUNT IS REALLY INVADING THE OVER-ALL HEALTH OF MY CREDIT REPORTS. THE ACCOUNT FOR XXXX XXXX, IN WHICH THE ORIGINAL CREDITOR IS XXXX IS DISPLAYING A BALANCE OF XXXX, IN WHICH THE ACCOUNT HAS BEEN OPENED SINCE XX/XX/XXXX. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT SINCE XX/XX/XXXX, I FINALLY WAS ABLE TO GET THIS NEGATIVE ACCOUNT REMOVED BY XXXX AND TRANSUNION. NOTHING HAS BEEN DONE OR SAID BY XXXX. WHY HASN'T XXXX   DONE ANYTHING ABOUT THIS MATTER WHEN WE CAN CLEARLY SEE THAT THE OTHER TWO CREDIT BUREAUS FULFILLED THEIR TASK BY GETTING THE ACCOUNT REMOVED. I DEMAND TO KNOW THE REASON WHY THIS ACCOUNT IS STILL DISPLAYING UNDER XXXX AND WHY HAVE THEY NOT RESPONDED BACK TO ME!!??? THIS IS REALLY IRRITATING MY LIFE-STYLE AND THE GOALS I HAVE YET TO ACHIEVE.

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 2019-11-05 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: FL

Complaint narrative:
THE FOLLOWING COLLECTIONS ACCOUNT IS REALLY INVADING THE OVER-ALL HEALTH OF MY CREDIT REPORTS. THE ACCOUNT FOR XXXX XXXX, IN WHICH THE ORIGINAL CREDITOR IS XXXX IS DISPLAYING A BALANCE OF XXXX, IN WHICH THE ACCOUNT HAS BEEN OPENED SINCE XX/XX/XXXX. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT SINCE XX/XX/XXXX, I FINALLY WAS ABLE TO GET THIS NEGATIVE ACCOUNT REMOVED BY EXPERIAN AND XXXX. NOTHING HAS BEEN DONE OR SAID BY XXXX. WHY HASN'T XXXX   DONE ANYTHING ABOUT THIS MATTER WHEN WE CAN CLEARLY SEE THAT THE OTHER TWO CREDIT BUREAUS FULFILLED THEIR TASK BY GETTING THE ACCOUNT REMOVED. I DEMAND TO KNOW THE REASON WHY THIS ACCOUNT IS STILL DISPLAYING UNDER XXXX AND WHY HAVE THEY NOT RESPONDED BACK TO ME!!??? THIS IS REALLY IRRITATING MY LIFE-STYLE AND THE GOALS I HAVE YET TO ACHIEVE.

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 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There was an account opened with XXXX XXXX on XX/XX/2019 and had a high balance of {$2900.00}. I made payments on the account while attempting to dispute. Im hoping to have results now. Also, on XX/XX/2019 there was another account opened with XXXX XXXX XXXX in the amount of {$2600.00}. These accounts are fraudulent and Im told were registered to North Carolina and I reside in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I am submitting a follow-up complaint on Bank of America, because they have not been responsive to my attempts to contact them or XXXX XXXX XXXX XXXX attempts to contact them to resolve the fraud issue. 

I have now waited over 10 months for a resolution. 

I have been working with XXXX XXXX XXXX  for almost 10 months to resolve a bank fraud issue that occurred as a result of someone cashing an electronic check assigned to Bank Of America. I have waited patiently for my bank ( XXXX XXXX XXXX ) to declare this issue as fraud, however, I have been waiting indefinitely for Bank of America to generate any type of response as to when XXXX XXXX XXXX will be paid so that I can be reimbursed my money. A summary of the issue is described below. XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Checking Account Number Ending In XXXX Savings Account Number Ending In XXXX On XX/XX/2019, claim number XXXX was submitted disputing a check number XXXX payable to XXXX in the amount of {$380.00} which presented for payment on XX/XX/2019. In addition, on XX/XX/2019, claim number XXXX was submitted disputing a check number XXXX payable to XXXX in the amount of {$490.00} which presented for payment on XX/XX/2019.

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 2019-11-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX stated once current on payments, all late payments would be removed from credit file. Company continue to furnish improper information on credit file according to FCRA Guidelines.

Company response to consumer: Closed with explanation