vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I sent {$500.00} through XXXX and {$250.00} through XXXX XXXX for concert tickets on Saturday XX/XX/XXXX. I sent the money ; however, I never received the four tickets I purchased. I bank with Bank of America. Bank of America awarded a temporary {$250.00} credit to my account, but has not given any refund for the {$500.00} XXXX transfer. 
Bank of America has treated me horribly. Ive spent close to ten hours on the phone with B of A for this situation to have no resolution in getting my money back. 
Initially, when I explained I didnt receive my tickets to representatives, I was told Id get the money back once I reposted the claim. Then, I was told that I wouldnt get my money back because XXXX isnt protected. 
I asked and was transferred through multiple departments and supervisors to pull the call saying that I would have the money refunded to my account only to be told staff would be retrained, but theres nothing Bank of America can do. 
This is a disgrace and is absolutely unacceptable. 90 % of the Bank of America employees could not care less about my situation or helping me. I let them know that as my bank, they should protect me against scams and in these situations and they would say theres nothing they can do. I paid money and didnt receive my merchandise. Instead of helping me, Bank of America and XXXX are refusing to help me and are letting scammers profit and continue getting away with their illegal activity. 
XXXX XXXX  is the scammers bank, and they also offered zero help and refused to cancel the payment. 
A police report has been filed, but the money is only able to come back from the bank or 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 2019-04-17 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: IL

Complaint narrative:
I contacted the company originally XX/XX/2019 to request validation of an account ( specific original documents and information were requested ) to which they sent me a letter from their collecting department stating that the debt had been verified as accurate. Simultaneously I requested that all debt collection be ceased as well as calls to myself, or place of employment. On XX/XX/2019 I followed this letter up with another request for validation with specific information to which my request was ignored- again. Consequently I asked them to cease all collection activity, and reporting. A few days later I received a collection letter in the mail, blatantly disregarding the FCRA, and CFPB laws and sanctions.

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 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted the company originally XX/XX/2019 to request validation of an account ( specific original documents and information were requested ) to which they sent me a letter from their collecting department stating that the debt had been verified as accurate. Simultaneously I requested that all debt collection be ceased as well as calls to myself, or place of employment. On XX/XX/2019 I followed this letter up with another request for validation with specific information to which my request was ignored- again. Consequently I asked them to cease all collection activity, and reporting. A few days later I received a collection letter in the mail, blatantly disregarding the FCRA, and CFPB laws and sanctions.

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 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: FL

Complaint narrative:
On XX/XX/2019 Penn credit company called by employer stating that it was an emergency for me and to call them back as soon as possible. When further talking to my co workers they have called my place of employment several times I have never received a call on my personal phone concerning this debt and was unaware I owed this debt until my coworkers informed me of the calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
I have 29 hard inquiries on my report by dealership that I. Didnt consent too and I spoke to a credit adviser that I can get all or some of them off the dates are XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX those are multiple inquiries on my credit report that I didnt consent too and would like to remove them please thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I have 29 hard inquiries on my report by dealership that I. Didnt consent too and I spoke to a credit adviser that I can get all or some of them off the dates are XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX those are multiple inquiries on my credit report that I didnt consent too and would like to remove them please thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Disputes initiated XX/XX/2019 USPS Certified Mail Credit bureaus continue to report verified and meets FCRA requirements ( not correct ) Response from Collection Agency insufficient to validate XX/XX/2019 did not produce valid documentation. 
2nd Validation request sent XX/XX/2019 USPS Certified Mail Continued incorrect reporting to credit bureaus Violates Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), Fair Credit Reporting Act, Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XX/XX/19 I faxed my request to close my escrow account. I currently qualify for property tax exemption and on this day I sent them the documents from the County of XXXX XXXX- Office of the Assessor, proof that my property is now tax exempt and will continue to be exempt as long as I file every year for it. However, since then they were not able to close the escrow because I was a payment behind, which I have made that payment since then. I was told that after the payment was made they would close out my escrow payment. I later received a letter in the mail that my escrow closure request was not approved, that I did not qualify. I called into customer service at Select Portfolio Services and was told that my paperwork needed to be  reviewed by another department. I later received another letter that my request to close my escrow account was denied. For the XXXX payment I made my payment, minus the escrow. 
I am simply trying to get them to process the request to close the collection of fees for my property taxes. I was told by a County of XXXX office assessor that if someone from SPS called them XXXX that they could also verify my status as exempt for my property taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: APPLE RECOVERY, LLC
State: UT

Complaint narrative:
I originally took out a loan for less than {$6000.00}. I unfortunately defaulted on the loan due to medical reasons. Even though I tried to explain my situation and continued to make partial payments. I ended up using a debt settlement company to help resolve the account. Because the debt settlement company I was using provided false claim as far as resolving the debt. A settlement letter was at least sent to XXXX. XXXX was aware multiple times of the financial hardship and my efforts to resolve the case. Now my account has been turned over to a collection agency and the amount owing is {$21000.00}! They stated that the loan is still accusing interest at the original high interest rate even though the account was bought by a third party.

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 2019-04-17 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: CA

Complaint narrative:
Last month I received an alert from my credit monitoring service. After I checked my report, I noticed a new account from a company called XXXX XXXX. The company reported an account with XXXX that is not mine. Furthermore, I never received any notice of the impending placement of this account to my credit report. I have never agreed to have XXXX XXXX represent me, nor have ever entered any commercial contract with this company. I have to assume that this is either a mistake or a result of identity fraud. I would like this account to be investigated and removed from my credit ; It is not mine!

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 2019-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received a loan from Speedy Cash Co., I was making payments as normal but suddenly I lost my job, I am struggling real bad to keep up with bills, rent, and other accounts that I have, I tried to explain this to the person that spoke about this over the phone ( collections deparment ) I ask her for a payment arregment and she told me that it was not possible and that they would continue with the collection process. 
I also spoke to a wells fargo banker again I explained my situation and asked to for them to stop the payments and she told me that the only way to stop the payments it was me paying the entire balance on the account, that's not possible for me at this time. I resume neither one company understood my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
The credit bureaus were notified that I was 30 days late on a payment to my Visa Credit card with my bank. I did attempt to make the payment ; twice! It seemed to go through, but both times the payments were later reversed. The only payments I have been able to make SUCCESSFULLY on this card are the ones I make in person at the branch. I have called the bank to see what is going wrong when I make online payments. I thought the problem was corrected, but it has not been. Since I do not see an " error '' message, or anything else to indicate the payments are not going through, I made the payments in good faith each month, thinking " this time it will work! ", but it never did. At no time in the payment process am I asked to type in the account number or any other number. I log in with my user name and password and then go into the credit card portal. I indicate which bank account I want to pay from and which amount, and then it is done. Again - no error message. I pay everything online. It all appeared to be fine. But, they were not going through. 
There is a 30 day late mark on my credit that should not be there. I am NEVER late on payments, for anything. I pleaded with the bank to help me, but to no avail. My credit score has dropped 40 points because of this!! 
Attached is a payment history for my credit card. The only payments that went through without the " payment reversal '' are the ones I paid in person, at the branch!

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 2019-04-17 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: CA

Complaint narrative:
Last month I received an alert from my credit monitoring service. After I checked my report, I noticed a new account from a company called XXXX XXXX. The company reported an account with XXXX that is not mine. Furthermore, I never received any notice of the impending placement of this account to my credit report. I have never agreed to have XXXX XXXX represent me, nor have ever entered any commercial contract with this company. I have to assume that this is either a mistake or a result of identity fraud. I would like this account to be investigated and removed from my credit ; It is not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 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: CA

Complaint narrative:
Last month I received an alert from my credit monitoring service. After I checked my report, I noticed a new account from a company called XXXX XXXX. The company reported an account with XXXX that is not mine. Furthermore, I never received any notice of the impending placement of this account to my credit report. I have never agreed to have XXXX XXXX represent me, nor have ever entered any commercial contract with this company. I have to assume that this is either a mistake or a result of identity fraud. I would like this account to be investigated and removed from my credit ; It is not mine!

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 2019-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Disputes initiated XX/XX/2019 USPS Certified Mail Credit bureaus continue to report verified and meets FCRA requirements ( not correct ) Response from Collection Agency insufficient to validate XX/XX/2019 did not produce valid documentation. 
2nd Validation request sent XX/XX/2019 USPS Certified Mail Continued incorrect reporting to credit bureaus Violates Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), Fair Credit Reporting Act, Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: OK

Complaint narrative:
I submitted a dispute to Equifax which was received by their company on XX/XX/2019 for the following : XXXX XXXX XXXXXXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX XXXX {$150.00} and onXX/XX/2019 : Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$220.00} I was informed by telephone that these were all " verified ''. However, as of XX/XX/XXXX I have yet to receive any written documentation of this " verification '' though I have requested it. 

I have re-submitted a dispute for the above four accounts to Equifax to supply me with documentation that these collections belong to me or to delete them from my credit report. Note that I've also since submitted another dispute that is en route to Equifax : ( XXXX XXXX XXXX XXXX {$1800.00} ) These same disputes were submitted to XXXX and XXXX and were deleted from my credit reports ( see documentation ). I am requesting that all these erroneous account be deleted from my Equifax credit report as well. 

They don't seem responsive to my requests. Their online dispute status website does not work and telephone calls to their representatives are difficult due to language and cultural barriers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
I never had medical services provided by XXXX XXXX XXXX on XX/XX/2018. I had health insurance through XXXX XXXX in 2018. A medical claim was never filed with my health insurance for services with XXXX XXXX XXXX. I am receiving collection notices from : XXXX XXXX XXXX XXXX   for {$110.00} that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bliksum, LLC
State: UT

Complaint narrative:
I originally took out a loan for less than {$6000.00}. I unfortunately defaulted on the loan due to medical reasons. Even though I tried to explain my situation and continued to make partial payments. I ended up using a debt settlement company to help resolve the account. Because the debt settlement company I was using provided false claim as far as resolving the debt. A settlement letter was at least sent to LoanMe. LoanMe was aware multiple times of the financial hardship and my efforts to resolve the case. Now my account has been turned over to a collection agency and the amount owing is {$21000.00}! They stated that the loan is still accusing interest at the original high interest rate even though the account was bought by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
So I have submitted a Loss Mitigation request to complete a Short Sale on the home. I faxed in the application and all of the required documents that will go along with it. I even sent over the contract for the sale of the home. I got a call from Flagstar Bank asking me when I was going to make a payment and I asked if they received the application for the Short Sale, and I was told that they closed it because they thought it was an appeal. I sent this back on XX/XX/2019. I will attach the documents that I sent to them. I have people wanting to purchase this home to prevent a foreclosure. Now I am being told that they will need to start a new process to review my request for the Short Sale, now time is of the essence. I am doing everything that I need to do to resolve the issue with our mortgage, and if we loose the sellers, the house will go into foreclosure. I have given them the same request twice. 

All of the documents that I have to send to you has all of our information on them along with the buyers information. I can submit all of the documents to you per your request. 

So I need help and I need to know what can be done to get this Short Sale completed ASAP. This is a financial hardship, we have explained to them for a year now that I have not had an income. We are trying very hard to prevent a foreclosure on our credit because then we will have to file bankruptcy. 

Thank you in advance for your assistance.

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 2019-04-17 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: MA

Complaint narrative:
On XX/XX/2019, I pulled a XXXX, and on XX/XX/2019, a XXXX XXXX   credit score among Transunion, XXXX and XXXX Transunion score, deviates greater among all bureau 's. Transunion is 112 points lower than XXXX, and 121 points lower than XXXX. There is something wrong with their credit reporting score model, as the score among all three companies are too different. The standard deviation is to large, 112 and 121 points is to large of a spread. 

Please be advised all of Transunion creditors and lenders are equally reporting the identical information among XXXX and XXXX. I called Transunion to discuss how to dispute their score and score model on XX/XX/2019. A representative told me I can not dispute the model and their is nothing wrong with the score. 

This complaint is for redress against a flawed scoring model that can not be disputed. 

I am respectfully requesting help for disputing transunion scoring model, as it is flawed. Tranunion scoring models among all bureaus are to different, even though all three credit agencies report the identical credit lenders, inquiries, and balances

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