vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America acc # XXXX {$35.00} wrongfully charged on XX/XX/19. 

This was charged as an overdraft. 

I had told XXXX XXXX  to withdraw $ XXXX on XX/XX/19, and to withdraw an additional {$27000.00} on XX/XX/19. XXXX  erroneously withdrew both on XX/XX/19. This caused an overdraft fee with Bank of America.

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

Complaint narrative:
Hey, there are old addresses listed in my profile that are hurting my credit report. I am also concerned that someone else may be applying for credit under my name using these old addresses. I have provided to Experian a copy of my current address.

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 2019-03-03 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
User of secured Master Card ( Credit card ) issued by XXXX XXXX XXXX on XX/XX/2017 and banker is XXXX XXXX XXXX but unfortunately I am not been able to get my credit score. Contacted my bank and Card issuer and came to know that my account is being freeze by Credit reporting agency. Credit Card issuer not provided adequate support to resolve the issue only respond by generic letter which is vague. As part of my Initiative to resolve the issue I contacted Trans Union and created a file XXXX. As per their requirement provided all the docs e.g. copy of Driving License, Copy of SSN, Copy of Bank Statements but without resolving the issue and without providing any reasonable explanation close my file by Trans Union. Not showing helping attitude to resolve the issue, even not clearly mentioned which was the point of dispute. Hope the reporting agency will come forward to unfreeze my account that I can get Credit report.

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 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hey, these old addresses are hurting my credit report. I am also concerned that someone else may be applying for credit under my name and using these old addresses. I have provided to EQUIFAX copies of my current address during the months of XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My mortgage is DUAL TRACKING my account. 

I have been applying for loss mitigation for over 1 year. 

I have provided all of my personal income and asset information, proof of residency, etc. 

At the same time they have hired and attorney to process a foreclosure. 

The documents that the attorney submitted to the foreclosure judge to get a summary judgement against me were falsified. 

The name of the Servicer is Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have a federal student loan with XXXX XXXX. In XX/XX/2018, my family and I started the process of buying a home. My loan was on forbearance since I had my son because I couldn't afford the payments and have been switching positions often since I returned to work after my maternity leave. Since I was on forbearance, the mortgage company wanted to see me in repayment, so I adjusted my account. When I did this, I was smacked with a {$55000.00} penalty. When I called to find out, I was told this was capitalized interest that was living in a bubble ( not sure what that means and it was not explained to me when I asked ). Since this happened, my payment went up, making it impossible for my husband and I to get approved for our mortgage on our own, so we thankfully had a co-signer. I tried to talk to the customer service people asking to speak with a manager about this and I was always given the run around. I now  have a higher monthly payment because of this penalty that I can not afford. I do not know what to do since my loan has ballooned so much due to high interest rates, having my interest capitalized and paying interest on top of interest. Every time I call to try to figure out my loans and get myself on a realistic payment plan I can afford, they just put me on forbearance, and this has been going on for 3 years now. I have become very stressed about this because I see no end in sight or solution and have started thinking of hiring a lawyer to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
My Barclaycard with XXXX Rewards account was compromised, and approximately $ 2,000-3,000 in  unauthorized transactions were made on my account. I notified the company promptly, and received a letter from Barclays Bank Delaware confirming these unauthorized charges were confirmed as fraud and would be removed ( included with complaint. ) However, approximately a month after this letter I received a call from a woman claiming to represent the " fraud investigations department '' saying these charges would be reapplied to my account and they would not accept my fraud claim. The next day these charges were added again to my balance. I have filed a police report and FTC identity theft report and provided this information to Barclays but these charges have not been removed. 

Federal law limits consumers ' liability for credit card fraud to {$50.00}, yet Barclays has disregarded this and illegally shifted liability to the consumer in excess of this mandated maximum amount. Consumer protection and documentation is needed to ensure the scale of these actions is notated so the CFPB can investigate and take action if this practice continues.

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 2019-03-03 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 — Other problem getting your report or credit score
Company: U.S. BANCORP
State: VT

Complaint narrative:
User of secured Master Card ( Credit card ) issued by XXXX XXXX XXXX on XX/XX/2017 and banker is XXXX XXXX XXXX  but unfortunately I am not been able to get my credit score. Contacted my bank and Card issuer and came to know that my account is being freeze by Credit reporting agency. Credit Card issuer not provided adequate support to resolve the issue only respond by generic letter which is vague. As part of my Initiative to resolve the issue I contacted XXXX XXXX and created a file XXXX. As per their requirement provided all the docs e.g. copy of Driving License, Copy of SSN, Copy of Bank Statements but without resolving the issue and without providing any reasonable explanation close my file by XXXX XXXX. Not showing helping attitude to resolve the issue, even not clearly mentioned which was the point of dispute. Hope the reporting agency will come forward to unfreeze my account that I can get Credit report.

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 2019-03-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not received notice about this debt its been well over 30 days i sent in paperwork XX/XX/XXXX its now XXXX of XXXX never received anything. This account is still negatively reporting.

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 2019-03-03 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: SC

Complaint narrative:
I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue 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 2019-03-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Services Association
State: OK

Complaint narrative:
A Cashier Check of {$8900.00} was written to XXXX XXXX XXXX XXXX XXXX College on date of XX/XX/18. It was the amount own to the college. I looked at my credit and saw that I had a debt of {$10000.00}. I then immediately double checked with my parents and they confirmed it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
XX/XX/2017 Ditech Rep. told me not to pay so i could apply for LMOD, I applied 8 times, HAMP 4, HARP1, FLEXMOD 3 times, never revived an answer on any FLEXMOD applications, and the others it was always the same excuse, documents missing and I always re-sent them, my calls have been handled wrong and research department has never responded to my request for investigation, and please dont just send me to them, this is my 3rd complaint with you, also I wasnt served a motion to sell 120, so that i could plead my case to a judge, i until all my court summons run out to save my house that I have worked so hard for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I want this account removed from my XXXX  credit report immediately. This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have not received notice about this debt its been well over 30 days i sent in paperwork XX/XX/XXXX its now XXXX of XXXX never received anything. This account is still negatively reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: PA

Complaint narrative:
This account is reporting as a collection when i paid this balance off before it went into collections. But on my experian report it is showing a collections 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 2019-03-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I SUBMITTED DISPUTES TO VALIDATE THE FCRA VIOLATION PER INCORRECT CREDIT ACCOUNTS LISTED ON MY CREDIT REPORT. THE CREDIT AGENCY REFUSE TO REMOVE THEM EVEN AFTER PROOF WAS PROVIDED TO THEM THAT THESE ACCOUNTS WERE IN ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: PA

Complaint narrative:
This account is reporting as a collection when i paid this balance off before it went into collections. But on my XXXX report it is showing a collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I reached out to the collection agency ( United Revenue Corp ) in a attempt to VALIDATE tarnishing information thats reflecting on my credit reports. Its my right as a consumer to take this step and theyre simply not willing to cooperate. I would like to see supporting documents that lawfully binds me to these alleged debts. Which is a total of 3 collections reflecting on my credit reports. Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
I tried very diligently to settle and or honor the debt but they refuse the amount. I'M { XXXX } years of age, I'm on a fixed monthly income, I relinquished an of {$25.00} which is the limited amount my finances will allow me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been trying to get a loan to purchase a home for 2 years now and I keep getting denials do to being XXXX and having a fixed income. I have cleared everything on my credit report but my credit score is still low. The credit agency are no help with fix anything what do I do? I feel like I'm being discriminated against because I'm 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 2019-03-04 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: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
This account has been paid off In full but somehow during this process I guess the pay off was short due to getting the wrong info. This account also was never fully 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had gotten in touch with Capital One in XXXX over the phone to go over my account, and i had set up Automatic Payments with them, so that i didn't miss a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: XOOM CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX19 I attempted to transfer XXXX to my wife 's checking account in XXXX. XXXX 's website required entry of my Social Security number to continue. I entered this, and was denied the transfer. I spoke to customer service that day and was informed that my Social Security number was not accepted because they use it to check my credit and couldn't because I have a security freeze on my credit. I asked why the company did not notify me this was going to happen, and why they need access to my credit report when I have taken steps to certify my bank account with the company already. While on the phone - not providing any answer to these two questions - the representative looked at my checking account and confirmed I have sufficient funds for the transfer I requested. 

I was told the only way I could then transfer the amount I wished, was to fax a copy of my passport to XXXX. This I was not willing to do, so I asked what is the maximum amount I can transfer. I was told XXXX USD every 24 hours. On XXXX I transferred XXXX. The next day I attempted to transfer another XXXX and was denied by the website, with a message saying I was over the sending limit. Yet XXXX 's website states what the representative told me, that I can transfer up to XXXX every 24 hours without providing the additional personal information I do not want to share. 


This continued for several days, until onXX/XX/XXXX19, I was allowed to transfer another XXXX. It has now been another week, unable to transfer more money. On XXXX by email the company sent this message " As of XX/XX/2019, you may send as much as {$1600.00} to your recipient " when I inquired again why their advertised transfer limits are untruthful. 

We do not have another way of sending this money direct to the bank in XXXX. XXXX advertises transfer limits they do not honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2018, I opened a checking account at the BMO Harris Bank XXXX XXXX, IL branch. I funded the account with a deposit of {$1600.00}. On XX/XX/2018, I received the debit card for the new account and noted the address was wrong. The city displayed was wrong. I called the bank and noted to the bank that the address city was wrong and asked for the address to be corrected. 
On XX/XX/2018, I paid online via the debit card for a service. I thought it best to confirm my checking account balance and checked the balance online. On checking the online balance, I found my balance to be XXXX. 
I contacted BMO Harris customer service and inquired what had happened. The Customer service person suggested that I contact the bank in person. I visited the XXXX XXXX, IL branch and was advised by a XXXX XXXX, bank rep, that my account was closed. Per XXXX XXXX, a XX/XX/2018 letter was sent to my address by the Compliance dept of the bank. XXXX XXXX said that due to no response from myself to the letter that the account was closed and a BMO Harris check was mailed to me. The check date was not know by Ms XXXX. But the check was mailed to my address. Ms XXXX said that she had personally tried to phone me to inquire to address the situation in the compliance dept letter. 

I advised Ms XXXX that I had not received the compliance dept letter. Same for the BMO Harris check sent to my address. Further, I indicated that I had not received a phone call from MS XXXX. 

I requested a copy of the letter from the compliance dept from Ms XXXX. She advised me that a copy would be sent to me via email shortly. After a few days and no email received, I contacted Ms XXXX via phone and email. I contacted the branch manager via phone and email ( Ms XXXX had supplied me with a wrong email address for the branch manager ) requesting the compliance dept letter. I contacted BMO Harris customer service requesting the compliance dept letter via BMO Harris via their website contact process. I contacted via phone voice mail with a XXXX XXXX of the XXXX IL BMO Harris branch to contact me. All attempts to have BMO Harris Bank contact me were futile as no body contacted me. I do not have the compliance dept letter. 

I suspect that no compliance dept letter was sent due to the lack of no contact on this request. 

My complaint is about the lack of service in not providing the compliance dept letter to myself and the closure of my checking account. 

I have searched the CFPB database for similar account closure problems and have found 5 others.

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