vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20 I paid my monthly visa bill online {$300.00}. On XX/XX/20 Bank of America attempted to take {$300.00} from my checking account. My balance on this credit card was {$0.00}. Do to this unauthorized action my credit union charged me a fee of {$29.00}. On XX/XX/20 I contacted Bank of America to be compensated the {$29.00} the representative informed me I was enrolled in automatic payments and that is why they attempted to take {$300.00} even thought my balance was {$0.00}. On XX/XX/20 I again called Bank of America to have them pay the {$29.00} fee I have incurred on this date they told me that someone went online on XX/XX/20 and made an online payment of {$300.00} when the balance was {$0.00}. I have never enrolled in an automatic payment system and I never requested Bank of America to be paid twice in one billing cycle.

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 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
account on my account thats not mine/fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: AZ

Complaint narrative:
I applied for the Forbearence due to covid 19. According to that I did not need to make a payment within three months. I have been making partial payments and they are putting it in a holding account until an entire payment is there and then apply it. At least thats what they said. I have the paperwork showing that I was approved. I have emails showing I was approved. Today, I got a threatening for closure letter. I dont know what is going on with his mortgage company but they are being absolutely horrible during this entire thing. They were great until this now not so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: VA

Complaint narrative:
This is regarding a VA unemployment benefits Way2Go Debit Card. We received this card for the benefits effective XX/XX/2020 but we have never been able to activate the card using the Way2Go mobile app, GoProgram.com, nor on the number we are to call in order to activate the card. Even we we do call the customer service number ( XXXX ) and follow all the instructions provided and inputting our own information ( card number, DOB, SSN, the security code ), the call always tells us that we are unable to verify the information. When we try to speak to the representative, the call tells us to wait in the queue until the next available agent and then after 10-15 minutes the call will time out and say that it failed. It has been almost two months and we haven't been able to use the card. This is for unemployment benefits, it is unacceptable that the card can not be used for this long. We can not even check the balance that is inside of the card. Please try to help up resolve this asap. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
On XX/XX/2018 I was in an accident. I went to court over this accident, there were subpoenas and everything. The judge found me not guilty and not at fault because I wasnt. Due to Chekrs background report, I was refused a job with XXXX even after submitting online court documents to them proving my innocence. My license was also suspended simply over the fact I wasnt aware I needed to surrender a tag off of a vehicle I no longer owned. I returned the tag to the DMV,  paid the fee and my license was reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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:
equifax, XXXX  and XXXX  has accounts on my credit report thats not mine/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX  and transunon has accounts on my credit report thats not mine/fraud.

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 2020-05-12 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:
XXXX, experian and XXXX  has accounts on my credit report thats not mine/fraud.

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 2020-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am not reliable for this debt with Asset Care LLC from XXXX XXXX XXXX XX/XX/2019 in the amount of {$780.00}. I have never received any proof of service after sending a letter of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX overdraft fee and 7 XXXXfee total of XXXX need to refund back to My account Wells Fargo policy Collapse We receive most incoming electronic direct deposits before XXXX XXXX  each business day. With the Overdraft Rewind feature, well initiate a second review of the prior days transactions on your account at XXXX XXXX  local time.Footnote 11 If you had an overdraft or returned/NSF item on the previous business day and your direct deposit would have covered it, we will use funds from your direct deposit to reevaluate the transactions and waive the overdraft or returned item/NSF fees that would have been assessed.

Well calculate a new balance, which includes your pending direct deposit ( less any pending debits ), and use this amount to reevaluate the prior days transactions on your account and waive the overdraft or returned/NSF item fees for transactions that would have been covered by your direct deposit.

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 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
accounts on my accounts on my credit reports thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: GA

Complaint narrative:
I have dispute this item serval times I never file bankruptcy XXXX XXXX   said the remove from my report Experian and XXXX XXXX are still report error 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 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
accounts on my accounts on my credit reports thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
accounts on my accounts on my credit reports thats 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 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
accounts on my accounts on my credit reports thats 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 2020-05-12 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2020 I made a payment to XXXX XXXX  service using my wife 's Chase Credit Card for the amount of {$87.00} wich was charged twice by the credit card company, I was informed that they paid twice the amount of {$87.00} for this reason I requested the credit card company to get back from XXXX XXXX one of the {$87.00} wich was credited to the credit card account on Saturday XX/XX/2020 and at the same time XXXX XXXX suspended my service for charge back. Informing me that they only received one payment of {$87.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: LEXISNEXIS
State: GA

Complaint narrative:
I have dispute this item serval times I never file bankruptcy lexis nexis said the remove from my report XXXX  and XXXX XXXX are still report error on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: VA

Complaint narrative:
This is regarding a VA unemployment benefits Way2Go Debit Card. We received this card for the benefits effective XX/XX/2020 but we have never been able to activate the card using the Way2Go mobile app, XXXX, nor on the number ( XXXX ) we are to call in order to activate the card. Even we we do call the customer service number ( XXXX ) and follow all the instructions provided and inputting our own information ( card number, DOB, SSN, the security code ), the call always tells us that we are unable to verify the information. When we try to speak to the representative, the call tells us to wait in the queue until the next available agent and then after 10-15 minutes the call will time out and say that it failed. It has been almost two months and we haven't been able to use the card. This is for unemployment benefits, it is unacceptable that the card can not be used for this long. We can not even check the balance that is inside of the card. Please try to help up resolve this asap. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
inquiries on my accounts on my credit reports thats not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
inquiries on my accounts on my credit reports thats 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 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
Starting XX/XX/XXXX I called consumer Portfolio Services , Inc. at XXXX. I had spoken to several customer service reps for this company. I had explained way before my car payment was due XX/XX/XXXX to them that my check was short and would like to have my payment for XXXX deferred due to this. Each Customer service rep told me that i need to wait for an email to let me know if the supervisor will ok my deferment. All I got was the run-around. and when I called them early enough I was told that I had to wait until my payment is past due then call back which makes no sense. 
I paid for XXXX  and today on XX/XX/2020 I received a text from this company sending me a reminder that my payment is due for XXXX. I paid for XXXX and I need them to defer my payment for XXXX. 
This company is not working with me I have made numerous calls to this company and I get no help at all. Why do I have to wait for them to send me an email regarding geting my payment for XXXX deferred?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX sales and finance staff collaborated in producing a predatory loan in order to sell a XXXX XXXX XXXX  XXXX XXXX in the amount of {$42000.00}. To confirm our suspicion we reached out to the lender and requested a copy of the original credit application be forwarded to us. The findings were as follows : - Forgery of credit application. 
- Overstating income for applicant # 1 in the amount of $ XXXXmo as retirement income when applicant # 1 works full time making only $ XXXX/yr. 
- Overstating housing expenses of applicant # 1 as $ XXXXmo in rent when the home is owned free and clear. 
- Overstating length of employment for applicant # 1 saying 5 years when applicant was at current place of employment for less than 12 months. 
- Overstating income for applicant # 2 in the amount of $ XXXXmo working as a XXXX at an XXXX XXXX  when applicant # 2 is a XXXX  speaking XXXX XXXX. 
-Understating applicant # 2 's housing expenses as living with family when applicant lives only with his a spouse and children paying rent. 

Applicant # 1 was rushed and tricked into cosigning this fraudulent purchase to help " lower the cost '' of Applicant # 2 's work vehicle because Applicant # 1 has great credit. All along XXXX XXXX XXXX  's sinister plot was make financial gain by defrauding the lender into funding a loan Applicant # 2 can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: WA

Complaint narrative:
I have reached out to this credit bureau numerous times to have them remove inaccurate and unverifiable information on my credit. This company fails to comply. All that I am asking for is proof of debt, which is my right as a consumer. They refuse to send proof of debt which they are supposed to have in order to report this on my credit. They continue to say that the following items are verified and when I report them to you all they want to act clueless like they have no clue what I am referring to. I am reaching out this last time before I file a lawsuit against this credit bureaus as well as the creditors. XXXX  is the only credit bureau that has complied and removed everything that they couldnt verify. How is it that XXXX  couldnt verify it but Experian and XXXX  can, something isnt adding up. Again I will be filing a lawsuit against this company & requesting that they pay the XXXX fine for violation of the CFPB as well as for time and money waisted to get this corrected. I am asking them to provide verifiable proof of the following account XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX/XXXX  XXXX  ACCT # XXXX XXXX XXXX/XXXX  ACCT # XXXX XXXX XXXX  XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX. I have attached proof that the other bureaus have removed some of these items due to not being able to verify the inaccurate items. Im asking them to provide proof and or method of verification if they cant provide these things Im demanding they remove them immediately

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 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
XX/XX/20 Reached out to Capstone collection in regards to a account I have paid and they refuse to inform the Credit Bureau about me paying off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently was a victim of identity theft, and was trying to get my " free '' annual report from Transunion for review. Their webpage layout suggests that you have to establish an account to do so, and requests your credit card number in the process. Assuming they required the latter to verify my identity, and clicked to continue, and proceeded printing out my report. To my surprise, I later received an email stating that I had subscribed to their credit monitoring service, and that they had charged my credit card {$24.00} + {$2.00} tax for this disguised chargeable order. No costs were mentioned on any of the web pages I viewed. This occurred on XX/XX/XXXX. You can cancel the monitoring service online, but you can not obtain a refund. I cancelled the service twice, both times on XX/XX/XXXX, as although I received an email after the first attempt confirming cancellation, it wasn't obvious from my online account that it was cancelled ( it had an end date of XX/XX/XXXX ). Their website is deceptive, and forces unsuspecting consumers to pay for a minimun one month service when all they may want is a " free '' credit report. Consumer beware, you will be out of pocket {$27.00} with no obvious recourse!

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 2020-05-12 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: WA

Complaint narrative:
I have reached out to this credit bureau numerous times to have them remove inaccurate and unverifiable information on my credit. This company fails to comply. All that I am asking for is proof of debt, which is my right as a consumer. They refuse to send proof of debt which they are supposed to have in order to report this on my credit. They continue to say that the following items are verified and when I report them to you all they want to act clueless like they have no clue what I am referring to. I am reaching out this last time before I file a lawsuit against this credit bureaus as well as the creditors. XXXX  is the only credit bureau that has complied and removed everything that they couldnt verify. How is it that XXXX  couldnt verify it but XXXX  and Transunion can, something isnt adding up. Again I will be filing a lawsuit against this company & requesting that they pay the XXXX fine for violation of the CFPB as well as for time and money waisted to get this corrected. I am asking them to provide verifiable proof of the following account XXXX XXXX XXXX ACCT # XXXX XXXX XXXX/XXXX XXXX ACCT # XXXX XXXX XXXX/XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX. I have attached proof that the other bureaus have removed some of these items due to not being able to verify the inaccurate items. Im asking them to provide proof and or method of verification if they cant provide these things Im demanding they remove them immediately

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 2020-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: FL

Complaint narrative:
FrostArnett Company in XXXX Tennessee was paid {$120.00} on XX/XX/2020 and my bank has verified that the check cleared on XX/XX/XXXX. They continue to send multiple notices a week dated on XX/XX/2020 without acknowledging the payment. I have called and a woman named XXXX said that they show the debt as paid but will not stop mailing bills or acknowledge my payment. 

Their address is Frost Arnett Company, XXXX. XXXX XXXX, XXXX, Tennessee XXXX. Their phone number is XXXX.

Company response to consumer: Closed with explanation