vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
While checking my credit card balance online, I noticed a {$14000.00} charge that I did not authorize or initiate on Saturday XXXX XXXX, XXXX. The charge was " pending '' and had been initiated on Friday XXXX XXXX, XXXX. Upon my discovery of the charge I immediately contacted the card issuer, M & T bank via e mail and followed up with a phone call. To date have been advised of their " investigation '' and that they are awaiting " release '' of funds. This fraudulent charge as well as a balance transfer fee have remained on the account. In my initial phone conversation with someone at M & T, someone had apparently contacted them ( M & T ) with sufficient personal information for them to do a balance transfer on Friday XXXX XXXX, XXXX. 

M & T 's disclosure states that my liability is limited to {$50.00} if I were to be careless with the disclosure of my account number or card, which I have not been!! 

To date I have not received any relief and have had several e mails stating that they are awaiting release of the funds in order to be credited back to my account. And thanking me for my " continued patience. '' A new card/account number has been issued.

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 2017-11-30 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: NY

Complaint narrative:
I am submitting this complaint in regards to an account reporting on my XXXX and transunion credit report. I have been disputing this account for months now. XXXX has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that XXXX and transunion please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with XXXX the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.

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 2017-11-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I purchased my home in XXXX from an investor who bought it out of a sheriff sale on the courthouse steps in the county I live in XXXX. 
The house was then valued at $ XXXX. Which was also my purchase price. 5 years later, ( XXXX of this year XXXX ) I received a foreclosure notice from Bank of America. ( I have never had a loan with BOA ) I explained to the Bank that I had purchased the home from a licensed Investor in good standing with the state of GA in XXXX and have a Warranty Deed. At the time of purchase, I looked the property up at the Courthouse and found no liens recorded against it. 

Bank of America had already ran a notice in the local paper and were to foreclose on XXXX XXXX. I filed a motion against them at the court and was granted a TRO ( Temporary Restraining Order ) which stopped the foreclosure. Bank of America in turn filed a motion to dismiss my complaint claiming they still had legal title because the original debtor 's Bankruptcy did n't include the second loan. There were a total of 4 loans made to their debtor. They claim the Bankruptcy discharged only the 3rd and 4th. But that The first loan was satisfied. Almost 10 years have passed since the Foreclosure Sale and I have owned the property for the last 4yrs and three months. I have n't been well since this all started back in XXXX of this year. I am a senior citizen with limited resources and can not afford to lose my home which is paid for. Bank of America had every opportunity to settle their issue with their debtor but did not. I am a victim of their negligence and pray for your intervention in this affair.

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 2017-11-30 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: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I had a fraudulent charge of XXXX in my credit card, I discovered it when I looked my transactions online on XXXX/XXXX/XXXX, I contacted their fraud department the same day, the charge was credited. 
On XXXX/XXXX/XXXX XXXX am I contacted a supervisor named XXXX, in order to complain, because I was never contacted by the CC company to alert me about this transaction, that 's completely out of my normal transaction during the 15 years that I 've this CC, the answer was that they did n't have my authorization to contact me, how could a company state such an stupid excuse?

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 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed my payments with XXXX XXXX were not completely reported to Equifax. 
I wrote XXXX XXXX a letter in regards of the problem. I received a respond from XXXX XXXX and it stated, that the information was sent to the consumer credit agency was accurate. I called Equifax to informed about the respond I had from XXXX XXXX. Equifax keeps telling me to call XXXX XXXX. But when I called XXXX XXXX I was told Equifax needs to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: NY

Complaint narrative:
I am submitting this complaint in regards to an account reporting on my XXXX and XXXX credit report. I have been disputing this account for months now. Equifax has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that XXXX and XXXX please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with experian the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: NY

Complaint narrative:
I am submitting this complaint in regards to an account reporting on my experian and XXXX credit report. I have been disputing this account for months now. XXXX  has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that experian and XXXX please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with experian the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.

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 2017-11-30 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:
XXXX is listed as a hard inquiry on my Equifax report it was done on XX/XX/XXXX since then I have been working on getting it removed as it was not authorized by me I sent a letter by XXXX dated XX/XX/XXXX and one from XXXX XXXX with my cover letter where we all asked them to remove it as it is a error XXXX and XXXX have removed- but in two phone calls Equifax is refusing to do so even though we have provided in writing the request they ask for. they placed it on there report and now have been giving the info from all parties to remove a error. this is totally unfair to me as I did nothing wrong they should NOT be allowed to report incorrect info period not fair to the consumer which is me I also have a XXXX card one that should be removed on XX/XX/XXXX as the two years is up thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Mercedez-Benz ( MBFS ) claims that I owe them a balance for a terminated lease. In XXXX, I requested an explanation of charges. They claimed they mail such. However, they mailed it to my old address. In XXXX XXXX, this account was placed on my credit report as an adverse account. On XXXX XXXX, XXXX, I contacted MBFS, re-provided them with my new address, asked for the explanation of charges to be faxed, and asked for written confirmation that upon their receipt of payment this account would no longer be reflected as an adverse account on my credit report because I never received the bill I requested from them. They responded irrationally to my request and refused to remove this account from adverse status in light of their acknowledging that they received returned mail from my old address because they never updated my address and their having mailed such bill to an address I have never lived at. Even when they faxed the explanation of charges on XXXX XXXX, XXXX, they still did not update my address despite my having re-provided them my new address when I requested that explanation of charges be faxed. The XXXX XXXX, XXXX fax still reflects the old address. 

I also learned from XXXX that in response to my dispute, MBFS decided to provide updated information. It turns out that they were misreporting information. They initially reported 53 payments. They changed the payments to 34 in response to XXXX investigation. They initially reported a payment on XXXX XXXX, XXXX. They removed that XXXX XXXX, XXXX payment in response to XXXX investigation. That XXXX XXXX, XXXX is days after the leased vehicle had been returned. They also updated the account balance in response to XXXX investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: IN

Complaint narrative:
This is not my information : XXXX XXXX XXXX. Why is this still reported?

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 2017-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MD

Complaint narrative:
During the mid XXXX as a single mother I decided that it would be beneficial for me to earn an XXXX from a B-level University, XXXX XXXX XXXX University, XXXX XXXX XXXX XXXX. 

Living in a Midwestern state, my wages were barely sufficient for living, so loans became the option to pay for my graduate studies. Upon completing my studies, I searched for more than 6 months to find new employment since I had been downsized toward the end of my studies. I did not locate a job in the XXXX, but rather had to relocate to the XXXX region for work ( A XXXX XXXX XXXX ). By this time, by daughter was in college, The XXXX XXXXXXXX XXXX XXXXXXXX Ohio ( an expensive private accredited institution that charged more than some colleges, which has since lost its accreditation ). 

To fund my daughters education, I obtained Parent Plus Loans to cover school tuition, books, etc. In addition, since I had a student in college, I was able to defer my XXXX loans further throughout her college years. ( 4 years deferred, on top of the original 2 years for my personal hardship deferrals ). 

After moving to the XXXX, I became XXXX since the XXXX XXXX XXXX XXXX. During my years of being XXXX, I further needed to defer the loans since the minimum amounts that were required were over {$600.00}. Most recently, the loans to be repaid now are near $ 1500 monthly! I can not defer any longer, and dont know how I will pay without damaging my credit and sinking into a financial abyss. I am over XXXX, have no 401k, and, no significant savings. 

What started as loans totaling less than {$85000.00} in original principal now is quickly becoming {$270000.00} in debt ( and presently ONLY showing {$10000.00} in interest ). 

This is debilitating to say the least. Personal responsibility was getting a better degree, being a great parent, providing a loving home, working, being an XXXX, and taking care of my family. However, this level of student loan debt AND the structure that benefits only the companies threatens my ability to care for myself when I retire and live within my budget. For all of the education that I have, experience, knowledge, and skills that I have I am unable to find significant financial relieve. 

I am willing to help research, draft legislation, canvass for support as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I rented a vacation apartment online, and upon seeing that the price was more than double the advertised rate, I first attempted to get a refund for the rental through the landlord, but they refused. I called the bank to see if I could cancel the charge to my debit card. I explained to the agent at my bank about what had happened, and asked what my options were. The agent assured me that we could contest the charge and would win. I mentioned that I was hesitant about it, because I would hate to rent a separate property, only to end up having to pay for both down the road. The agent assured me it would n't come to that, and that I should proceed in renting a new place to stay. Sure enough, after the vacation had come and gone ( and we had rented a separate hotel room ), the bank concluded that I had LOST my contest, and would still have to pay the {$730.00}. I called the bank back to explain the situation. I asked them to pull the audio recordings of the call so they could hear the agent assure me I would get my refund. They said they would re-open an investigation and pull the tapes. One week later I received a letter saying they were upholding their decision, and that I would still have to pay the {$730.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Houston Finance Co.
State: TX

Complaint narrative:
i received a {$100.00} loan from this company. i owe this company less that {$30.00}. I lost everything in Hurricane Harvey and have been displaced for 2 months. I explained to the representatives at the loan company that i was displaced. I lost my home and cars in the hurricane and once I 'm stable i would contact them to pay off the small balance. This company continued to call me, particularly a staff named XXXX, every day. I kept saying the same thing. She has even gone as far to call my references. I contacted XXXX today, XXXX/XXXX/2017 and asked her again to please cease contacts to me. She stated " I did not contact you, i called your reference ''. This is flat out harassment! Especially after i specifically explained my situation and my intentions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
carrinton mortgage started servicing my loan XXXX XXXX from XXXX XXXX XXXX I was in default and now am paid up as of XXXX/XXXX/XXXX with help from homekeepers program the bank was supposed to recast the loan and give me statement on disbursements on how the monies were paid out as of now they have not given me a statement on what my monthly payment is supposed to be 1 letter said {$2300.00} the 2 said {$1600.00} the website says {$810.00} and someone I spoke with said it is {$1400.00} they just received {$50000.00} to bring my payments up to date so I was not in default and lower my payments so it was more affordable and my payment is due by XXXX/XXXX/XXXX and they are not giving me a straight answer on how much my payments are and it is putting me in a situation of being in default and I was told that they are not going to send me a statement or payment coupon and they do n't have to. 
they are also not endorsing an insurance check from XXXX under payment which I had to have a third party neutral review despite their policy clearly state as long as I am currant and the check is under XXXX send it in with the adjusters report unsinged and they will endorse it and send it back I sent in all of the documents as well as invoices and proof of payments,3rd party recommendations they also sent an inspector who said it was 100 % they sent the check back unsigned and altered it by stamping the front they have only had loan for 4 months and I feel they are trying to make me default on my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I received an alert on XX/XX/XXXX that a new account was opened on my credit report from Barclays Bank. 

I called the number listed and disputed it. I found out that it was a store card from XXXX in XXXX XXXX. 

I was out of the country when this occurred, so I knew it was fraud. 

Though ive disputed this, I can not get additional information from the creditor and my credit score has dropped nearly 100 points. I am desperate to have this removed as we are in the process of buying a home and now I wont be able to. 

I also need to provide information to the police. Each time I call I can not get through to the correct dept at Barclays bank and end up being disconnected. 

Please help, I am begging for some resolution. I have always taken great pride in my credit and have always managed my finances responsibly.

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 2017-11-30 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: Skopos Financial, LLC
State: SC

Complaint narrative:
Ive filed several complaints and filed several disputes with this company and theyve yet to respond, the last complaint which was sent in XX/XX/XXXX asking this company to provide detailed documentation they never responded and failed to show proof that this debt belongs to me. They missed both deadlines for the CFPB complaint and the deadline for the dispute. By law if they fail to provide documentation and fail to respond to the complaint they have to remove the tradeline from my credit. If they dont remove this item I will be forced to contact an attorney, provide proof that they failed to respond in a timely matter and I will be forced to pursue with legal action with this company. I will also be forwarding this information over to the BBB and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was denied credit by this lender and the fact they w ere notified my credit reporting with all three major agencies was never noted on the rejection letter. Furthermore since bankruptcy I have NOT been in collection. We have no way of knowing who these other agencies that report on us are and as with XXXX XXXX who had the incorrect information. Do the others such as XXXX XXXX Or XXXX have similar incorrect information? My concern is where did they gather this alleged information since

Company response to consumer: Closed with explanation