vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This is another bureau for which, when I attempt to use XXXX to get my free annual credit report as mandated by law, their website shunts and orders me to send in a mail form and has done so in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
I called a debt collection agency ERC for a XXXX account I had found on my credit report in hopes to find out more information. I specifically called and asked for a letter or some form of verification of this account because I believed it to be fraud. The lady I was speaking to did not send me a letter nor did she take my correct information down, she just tried to force me into a settlement for this account I never knew existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I opened an HSBC Credit card because they had 0 % interest for balance transfers for the first 18 months. I did a balance transfer, one month later my old credit card ( XXXX   XXXX ) had still not received the payment so HSBC cancelled it for me. Now I tried doing the balance transfer using the check HSBC gave me and this worked. So my balance was transferred ( {$1800.00} ) over to Hsbc in XXXX, I made my first payment in XXXX ( {$50.00} ). XX/XX/XXXX I received a letter stating my next payment would be XX/XX/XXXX. So on XX/XX/XXXX I tried to schedule an online payment with no success. I clicked on live chat and explained my problem and they said to call during business hours because my account was frozen for fraud. I've been on hold for over three hours so far. I went to th branch and they couldn't help me either. There is no reason for my account to be frozen as there has been no fraud and everything I've done on the account I have done with them over the phone. Now I'm worried I'm going to rack up late fees because they won't late me pay my bill and at this point I just want to find another bank with better customer service. The online live chat wast helpful at all simply told me to call the number that he had no information. 
I also received no notice that my account was frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
In XXXX of this summer I changed my accounts at my local bank that was where I had my auto deduction made for my student loans. Since the account took awhile to close it seemed to close on the day my loan was to be paid. I contacted XXXX to ask if I should make a payment or see if it went thru and to make sure it would not mess up my student loan forgiveness or anything else. The customer service rep said it would not be an issue and they would send me a letter if the payment did not go thru and I could make it then. The payment did not go thru but since I receive the letter I was able to make the payment for the 15 day window on the loan forgiveness. The Rep failed to tell me  however that I only had a 6 day window on my interest rate incentive and that I would lose it. I could of made a payment that day! If they had provided me the correct information on my loan amounts I would be gaining .25 % less interest!. I have a sizable loan so that is adding up to a significant amount of money, I have contacted XXXX multiple times on this, but they just tell me I am out of luck. This is not my fault I offered to make the payment the rep told me not too!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.

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 2019-01-04 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: Carvana Group, LLC
State: NY

Complaint narrative:
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several lines of credit and other services. These applications resulted in fraudulent related inquiries into his XXXX, XXXX  and XXXX credit reports. Formal disputes of these inquiries were provided to the creditors however a credit report ( s )  obtained XX/XX/2018 has many of these know fraudulent inquiries still being reported. These inquiries are : XXXX credit bureau : Carvan, inquiry made XX/XX/2018, formal dispute was provided XX/XX/2018 ; no reply from that office and the data is still being reported. XXXX, inquiry made XX/XX/2018 formal dispute provided XX/XX/2018, still being report no reply from office. XXXX XXXX, inquiry made XX/XX/2018, formal dispute provided XX/XX/2018, still being reported and no reply from that office. These are violations of the FCRA and my clients, federal consumer rights.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several lines of credit and other services. These applications resulted in fraudulent related inquiries into his XXXX, XXXX  and XXXX  credit reports. Formal disputes of these inquiries were provided to the creditors however a credit report ( s ) obtained XX/XX/2018 has many of these know fraudulent inquiries still being reported. These inquiries are : XXXX  credit bureau : XXXX, inquiry made XX/XX/2018, formal dispute was provided XX/XX/2018 ; no reply from that office and the data is still being reported. XXXX, inquiry made XX/XX/2018 formal dispute provided XX/XX/2018, still being report no reply from office. TD Bank, inquiry made XX/XX/2018, formal dispute provided XX/XX/2018, still being reported and no reply from that office. These are violations of the FCRA and my clients, federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04 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: Innovis
State: NY

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. While reviewing a credit report he found a fraudulent inquiry from your CBCinnovis/XXXX XXXX  being reported to his XXXX and XXXX   credit reports. This inquiry was made XX/XX/2018 and was done without his consent. A formal dispute was provided to CBCinnovis/XXXX XXXX XX/XX/2018. While the item was supposed to have been removed as fraudulent the data is still being reported to the XXXX   credit report as of XX/XX/2018 ; this is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America 's debit card broke and I lost access to my funds so I authorized a transfer of my funds to the Simple account on that day, XX/XX/2018. Bank of America broke the law by delaying my transfer to XX/XX/XXXX despite being required to initiate the transfer immediately after the banking holiday. Bank of America refused to expedite this transfer and refuses to reverse my monthly maintenance fee in atonement for their crime. They lied by claiming the transfer request came through on the 3rd when Treasury regulation simply demands instantaneous responsiveness. BofA has, in offense to the MOVE YOUR MONEY movement, done this to countless customers and should pay heavy penalties.

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 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX I set up auto bill pay to automatically pay the minimum. At this point I was told the normal payment method of transferring it online automatically was wrong and I needed to cancel it. I noticed it didn't come out automatically in XXXX and on XX/XX/XXXX set up auto bill pay again. At that time the system was showing I owed XXXX dollars as the monthly payment. On XX/XX/XXXX I got a call saying it was past due and I never got anything in the mail nor call before then. I paid the balance in full of XXXX. On XX/XX/XXXX when the card was at a XXXX balance they processed a payment of XXXX again. Then realized their auto bill pay was all messed up and credited it back to me on XX/XX/XXXX. I got an alert my credit score had dropped due to a 30 day late payment for the month of XX/XX/XXXX. I disputed that and got no where with the creditor even channeled it up to legal and compliance. I then disputed it with all 3 credit bureaus. Finally I am filing a complaint as a last ditch effort before getting a lawyer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: VW Credit
State: NC

Complaint narrative:
previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... since I have reached out to the company and again sent all of my information XXXX has accepted the FTC affidavit and blocked all of the fraudulent items except the last one on the report ... it has been well over 4 days since this has been received and accepted by them and they have overlooked the account VW Credit acct # XXXX this account reporting is out of compliance with the FCRA and the statute regarding blocking fraudulent accounts .... I am thinking this is just an oversight seeing as this was the last one on the report but I am requesting that this is taken care of immediately and blocked from my credit file permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF THE WEST
State: CA

Complaint narrative:
RE : Bank of the West loan # XXXX  For the last fifteen years or 180 plus monthly payments I have had an RV loan from Bank of the West.

I have made the 180 payments in good faith and the loan is now paid off.

But still Bank of the west has done great harm to my credit.

The situation is entirely their fault and I am seeking a remedy.

In XX/XX/2018 my RV loan with Bank of the West matured. I was sent a notice stating such.

The notice simply stated that the loan had matured and offered no other details. I was a bit confused because I still had payment coupons left in my payment book. I called the XXXX number for customer assistance to clarify the situation and get a payoff amount. I was told by the agent that the payoff amount was just over 4000 dollars. I was also advised by the Bank of the West agent that I could simply continue making the standard monthly payment and that would bring down the principal balance to a point where it was palatable to payoff. No mention of credit bureau reporting was made. So I continued to make the standard monthly payment.

I also continued to receive notices that payment had been received.

I thought everything was fine and planned to payoff the loan once the payoff amount was down to XXXX dollars.

In XX/XX/XXXX I received a notice from Bank of the West that the bank was about to report a charge off ( default ) to the credit bureaus. I immediately called to get the payoff amount and make the final payment.

The loan is now paid in full but Bank of the West has nearly destroyed my credit. They have reported my loan to the bureaus as 60 and 90 days late, this was NEVER indicated to me in either verbal or written communications.

At this point Bank of the West has all of their money and interest, I have the RV, but my credit is ruined.

Nor have I been given an explanation of why after 180 payments there was still a XXXX dollar balance.

I think the best way of resolving this issue is for Bank of the West to remove the derogatory credit items from the credit bureaus and restore my credit score. I would also like a detailed accounting of why the payoff amount was so high.

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 2019-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
Company continues to call government work phone even after being notified that personal calls can not be taken and to stop calling. Most recent calls are XX/XX/2019 at XXXX, XXXX, 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 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am required to have {$100.00} in my TD checking account in order to avoid being charged a {$14.00} maintenance fee. 

On XX/XX/XXXX my account went down to {$38.00} due to a transfer of funds. On XX/XX/XXXX, I transferred {$70.00} to the checking account to put the balance over the {$100.00} threshold. After this transfer, TD Bank charged me a {$14.00} maintenance fee for the previous month which, again, brought my balance below {$100.00}. I subsequently added {$1600.00} the account on XX/XX/XXXX. 

On XX/XX/XXXX I transferred funds from this checking account to another bank, leaving a balance of {$100.00}. On XX/XX/XXXX I was charged another {$14.00} maintenance fee which brought my account balance to {$86.00}. 

I spoke with a representative at TD Bank on XX/XX/XXXX and explained that the reason my account dropped below {$100.00} in XXXX is because they took the fee out after I made a deposit and never notified me that they were charging me a fee or when it would be charged. 

I simply wanted the {$14.00} maintenance fee from XX/XX/XXXX refunded, since the bank is the one that took money out of the account to bring it below the {$100.00} threshold. I was told the maintenance fee can't be refunded and they can only refund over draft fees. In addition, I was told that I would be charged another {$14.00} fee in XX/XX/XXXX because the {$14.00} fee that was taken out on XX/XX/XXXX brought my account balance below the {$100.00} threshold again. 

I feel this is unfair and deceptive. If TD Bank would have notified me that a few was coming, I would have simply left an additional {$14.00} in the account back in XXXX in order to stay over the {$100.00} threshold. Instead, they chose to keep me in the dark about the fee. This resulted in them causing my account to go below {$100.00} on 3 separate occasions instead of just once. 

Unfortunately, I will now be held responsible for paying TD Bank {$42.00} worth of fees ( {$14.00} XX/XX/XXXX, {$14.00} XX/XX/XXXX and {$14.00} XX/XX/XXXX ) instead of them just notifying me of a pending {$14.00} fee. 

I feel these maintenance fees are designed to prey on customers and create a snowball effect bank charges. Why did the original maintenance fee of {$14.00} on XX/XX/XXXX get processed after I made a deposit instead of before I made the deposit? Why would TD Bank wait until the end of the day to process {$14.00} maintenance fee? Additionally, Why didn't anyone notify me that I was being charged a fee or that my account balance was under {$100.00} After 12+ years of doing business with TD Bank , it's a shame to realize that they are still predatory in some areas of their operations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have been asking time and again way back in XXXX to XX/XX/XXXX when i was trying to work out a lower payment of the {$500.00} - {$900.00} range. 
Nothing happened. 
I then went to lawyer XXXX XXXX which after 33 pages at one time and several times Bank statements, IRS etc. 

XXXX XXXX said moved date to XX/XX/XXXX, I sent him email and voice mail on what that date is for?? Maybe it is a deadline? for foreclosure? 
I will call XXXX again and leave him a message if i can not reach him. 

I know they had mentioned back paying what i was behind in payments as XXXX XXXX told me not to pay until payment lowered, I think XXXX XXXX messed me up. I

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