vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/17 there were 2 unauthorized withdrawals from my checking account in the amount of {$500.00} x 2 on XX/XX/17 there were another 2 unauthorized withdrawals from my checking account in the amount of {$500.00} x 2 Total amounts for all four transactions were : {$2000.00} I disputed this with Bank of America and after waiting they sent me a letter stating that the withdrawals were valid as it was an ATM which required a pin ... however, I did NOT authorize this and informed them of it many times through numerous conversations with them but they closed the case and would not re-open. 

I need help in receiving this unauthorized fraud charge. Thanks.

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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX  : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX ALL ANY OTHER 30 DAYS OLD ON MY CREDIT REPORT ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX  : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX ALL ANY OTHER 30 DAYS OLD ON MY 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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX  : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX ALL ANY OTHER 30 DAYS OLD ON MY 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 2018-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was going through my credit report and I noticed that my auto loan with Toyota Motor Credit was reporting late. I had my payment automatic set for the amount that was set by the dealership and the bank that finance my Toyota. However, there were discrepancies on the monthly payment and I was not receiving the statement from the bank for the exact amount. Therefore, I was shocked when I reviewed my credit report and found late payment on the dates below : From XX/XX/XXXX - to XX/XX/XXXX - Please remove those late payments! 

I am not sure how these happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I have a car lease with mercedes benz financial services. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I originally had a parents plus loan with XXXX XXXX now owned by Navient the loan was in deferment and granted forbearance but the creditor reported the account 120 days past due on my credit report they did not notify me that the account was due until after the late payments reported on my credit report and the will not remove the late payment history the have no documentation of notifying me the loan was due or late how can I get this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: NY

Complaint narrative:
I have a car lease with XXXX XXXX XXXX XXXX. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.

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 2018-07-07 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: NY

Complaint narrative:
I have a car lease with XXXX XXXX XXXX XXXX. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: NY

Complaint narrative:
I have a car lease with XXXX XXXX XXXX XXXX. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.

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 2018-07-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I originally had a parents plus loan with XXXX XXXX now owned by XXXX the loan was in deferment and granted forbearance but the creditor reported the account 120 days past due on my credit report they did not notify me that the account was due until after the late payments reported on my credit report and the will not remove the late payment history the have no documentation of notifying me the loan was due or late how can I get this removed from my 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 2018-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
After Hurricane Irma we applied for disaster-relief mortgage forbearance with our Loan Servicer, XXXX XXXXXXXX XXXX. This was approved in XXXX and we had an agreement where we would make 3 payments for XXXX, XXXX and XXXX and they would process a loan modification. 

In XX/XX/XXXX the servicing of our loan transferred to Shellpoint Mortgage Servicing and I was told by both XXXX and Shellpoint that the terms of the forbearance agreement would be honored and that no negative information would be sent to credit bureaus for 90 days while the loan was being transferred. It has taken a long time, but I was told last week that Shellpoint finally had the information that they needed. I have been receiving Default Notices and was told by Shellpoint that  these were automated, don't worry as we're still in that 90-day window and this will all get resolved shortly, I've continued to make all the payments as agreed previously each month. 

I checked my credit report yesterday and Shellpoint has been reporting since XXXX that I am over 6 months behind on my payments causing a XXXX-point drop on my score and my wife 's score. My wife is going to College for a XXXX degree and we can't get a loan because of this mistake. I called Shellpoint yesterday and was told that I'm late and I owe the money. I tried for 30 minutes to explain the situation but the agent I spoke to just didn't want to listen and wasn't concerned. The call ended with her telling me I can try to escalate, but I need to repay the money because I'm behind. I am NOT behind, I am in deferment as agreed and I need this resolving ASAP. 

What worries me greatly too is I was told by my single point of contact that I'm not the only person who's in a deferment and had their loan servicing transferred. That means there are other people out here who are having their lives destroyed by having derogatory information incorrectly posted to their credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I made a deposit of XXXX $ to Bank of America account XXXX on Friday XX/XX/XXXX via mobile app. The check was from a major insurance company. I looked at it and it was processing and then within two minutes a hold was put on it until XX/XX/XXXX because I never make large deposits ( although I regularly put 10-15k monthly in my three other accounts ) I use this account to pay my mortgage ONLY which incidentally is XX/XX/15, so consequently I only have deposits of 2 or 3K monthly. 

I spoke to a representative XXXX in Texas who said that her hands were tied. 

Incidentally, while I was waiting for XXXX XXXX minutes there were numerous go rounds of an ad which invited me to transfer money from my credit card to my low balance account. 

This whole scenario seems highly inappropriate at best, and in actuality a racket.

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 2018-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander Consumer USA does not provide refinancing for existing customers for car loans. They do however refinance for new customers. The existing customers have to be tricked to go to a dealership to refinance, but the dealership stated it is not possible with the prime loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I recieced a phone call from these people this morning at XXXX XXXX local time. The collection company is Portfolio Recovery they called from a XXXX XXXX phone number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07 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: AL

Complaint narrative:
In XXXX, I sent in a complaint against Transunion. On XXXX ; I receive a score that has low my credit score. They are saying that the 5 late payment is what is doing it. That is wrong because I was caught up in XXXX and current now for the last four month. My Redin score has been going up send XXXX and now they are saying it doing down due to that. I feel that I am been retaliate cause of my complain in XXXX with theXXXX How can I be going up and now Down for something that happen four month ago. I am current with XXXX and has the receipt to show itLook into them you been over 30 late in giving me an response to file # XXXX investigate plus my update was not suppose to have been until XXXX. Why the XXXX. Secondly, I want all of the there are three closed account that need to be take off XXXX and XXXX it been over 10 years. XXXX need to Showa balance of XXXX paid it off on XXXX. Fact they are 30 Days overupdate me on my complaint.

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 2018-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recieced a phone call from these people this morning at XXXX XXXX local time. The collection company is XXXX XXXX they called from a XXXX XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: MA

Complaint narrative:
My previous landlord is trying to collect unfair and unsubstantiated charges. Hunter Warfield then left a negative mark on my credit without first contacting me and providing me a notice to dispute the invalid charge. I believe Hunter Warfield violates my rights under the Fair Credit Reporting Act.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
I authorized a wire transfer on XX/XX/18. This wire transfer was supposed to be for closing on my first home. By the afternoon of the same day I had realized I was being scammed and called Discover to cancel the wire transfer. I was told the money was guaranteed and that I would get it back within 7 to 10 business days. I followed up multiple times during the next two weeks and was told by multiple people, including a supervisor, that the money was guaranteed and that I would have it back in my account no later than 10 business days. On the 11th business day, XX/XX/18, I was told that the money is not guaranteed and that I would most likely not be getting it back. This was the first time I was told I would not be getting the money back unless the recipient bank sent it back and it was the first time they told me to call the recipient bank. Due to them reassuring me on multiple occasions that I would be getting the money, I proceeded with closing on the house, using the remainder of my savings. If I had know that the money was not guaranteed or that there was a chance I might not get it back I would not have closed on the house. Now I am in an extremely difficult financial situation, living paycheck to paycheck because Discover blatantly lied to me for two weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 Chase bank charged me two overdraft fees of XXXX dollars each from two transactions that caused my account to be over however that same day as soon as I noticed I was charged I went to the bank to deposit the money to make sure it was not over drafted. Even though I did that I was still charged those fees totaling in {$68.00} worth of fees I have other bills to pay and this is very frustrating because I deposited the money the same day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
They refuse payment and under such hardship circumstances they refuse forbearance option, Overcharged and fees and charges and change the payment amount and even though overpaid almost 3 years and asked for it to be applied towards principle it never was and then they would not give me a list of all charges and fees applied on the account after one 30 day late because they refuse the payment They refuse a partial payment and I believe started foreclosure process and I believe the VA guarantee paid however Ditech will not respond to requests Verbally over the phone nor written request. I have given them six written notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: FL

Complaint narrative:
I receive paperless statements each month from my student loan servicer, so the servicer has a duty to notify me each month when a new statement is available for me to view. My statements are created on the XXXX of each month and I am usually notified via email by the XXXX that they are ready for me to view. The payments are then due on the XXXX of the following month. In order to avoid accruing additional interest, I typically make payments on the date I am notified that a payment is due, the XXXX. This past month, the servicer failed to provide me with any notice that I had a new statement available to view and that I had an amount due on XX/XX/XXXX ; this is similar to notice mailing a statement to me if I received paper statements and is a violation of Regulation Z. 

I just happened to log into my account this morning because I was wondering if I had an amount due. I was not sure if I had a payment due since I often make more than the minimum payment. However, I logged into my account to clarify this because I had not received any notifications. If I had not happened to log into my account this morning, I would not have made a timely payment.

Company response to consumer: Closed with explanation