vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I inadvertently submitted a {$150.00} payment on XX/XX/2019 through my bank 's online bill pay service ( XXXX XXXX ) to a credit card that I previously closed. XXXX changed providers ( from Bank of America to XXXX and I had left this payee in my bill pay ). I have contacted XXXX, XXXX XXXX multiple times. The real obstacle is Bank of America ; they are unwilling to accept the basic data including the credit trace # XXXX XXXX XXXX and the check file # XXXX. The account is no longer active ( last four digits XXXX and it no longer appears in their system ), but they should have records of bank transfers according to routing numbers. I have proof of payment from the bank ( attached ) ; the funds were paid by my bank using the Check Free Bill Pay system ( the bank says this is important because the funds were not wired to BOA from my ckg acct directly but the bank 's Ck Pay System ). A XXXX XXXX representative ( XXXX XXXX ) on two separate occasions attempted to reconcile this problem ( XX/XX/XXXX and XX/XX/2019 ). On XX/XX/XXXX we called Bank of America ( BOA ) together and spent 1 hour and 29 mins on the phone until the manager, XXXX, in BOA credit card servicing disconnected the call ( we were stunned ). Before that we had spoken to XXXX XXXX in BOA 's Recovery Services, XXXX ( Deposit servicing ), XXXX and XXXX, Supervisor, ( both in credit card servicing ). The attachment shows the payment to BOA but they will not return this money and refuse to discuss possible solutions. If indeed the account has been closed, why hasn't the payment been returned to my checking account?

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 2019-04-18 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: OH

Complaint narrative:
I have submitted two disputes regarding the same item on my credit report. Account Name : XXXX XXXX XXXX XXXX XXXX- Alleged Account Balance : {$4000.00}. Both investigations failed to provide verification as I requested per my legal rights to do so, with the final investigation results being provided today. I have no knowledge of this account or debt. Research indicates the agency is a property management company, yet the debt is clearly listed as a XXXX   debt on my credit report. This is ILLEGAL to make misrepresentation in order to list items on a credit report!! I have submitted disputes outlining this error, lack of knowledge of this debt or whom it belongs to. Equifax claims it belongs to me, but provides no verification in the form of any such contract indicating I owe any funds to this entity. Under Section 611 ( 5 ) ( A ) of the FCRA CRA 's are required to promptly DELETE all information which can not be verified. If this has been verified, I want the name of the person providing the verification as well as their contact information and a copy of any evidence or contract with my signature as this does not exist. I am a victim of fraud and Equifax is not protecting me according to my legal rights as a consumer. I fully intend to seek damages through legal counsel if Equifax does not rectify this issue by deleting this damaging item from my report immediately. The law is very clear as to civil liability and the legal remedies available to me. This is most likely a result of Equifax 's use of automated software ( XXXX ),  which has incorrectly tied me to this debt or item on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
On XX/XX/2016, I entered into a purchase agreement of a XXXX XXXX XXXX with GM Financial. In the same year I had to declare bankruptcy, chapter XXXX which became discharged in XX/XX/XXXX of the same year. I decided to keep the XXXX and continued making payments. I will attach each statement I was able to download through GM 's sight. 
I have taken my financial obligations very seriously since the bankruptcy and have tried to get my credit back to the 700-800 range. I am finding it very difficult to do so and have now had to hire a credit repair service because the scores remain stuck in the 678 range. I have been in the XXXX XXXX for the past 16 years and am very aware of how the algorithms for mortgage lending work. Only a few are approved through XXXX XXXX and licensed originators all use the exact same ones. It is a shame that consumer reporting agencies use other ones, but that's not the point. 
I feel GM has directly violated the FCRA by not reporting anything to the credit bureaus since XX/XX/2016 and are not threating to do so illegally. I have direct email correspondence in email through a team lead there at GM stating a repossession order is going into effect at the end of next month. I tried to make a payment and setup a payment plan for at least three to four hours this morning and have found out why it has been unsuccessful. 
I have proof of the payments I made in XX/XX/XXXX and XX/XX/XXXX and question why two reps at GM have told me the repossession order was already in effect. In attempting to make a payment through GM, this was the case too as I was blocked. Finally the last rep I spoke with confirmed the order and after transferring me to XXXX XXXX fast pay ( or something like that ) it was all confirmed because the rep there said this account was in repossession status. The order has been set in motion so I decided to pull off the road and park the vehicle somewhere safe and notify them of its location. I informed the store and they were ok with me leaving it there. It is right across from a police precinct in plain view safely parked. I walked 5 miles home and wonder how this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: AL

Complaint narrative:
Tried to reach out many times to get these issues taken care of with no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: AL

Complaint narrative:
Tried to reach out many times to get these issues taken care of with no luck

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Date : XX/XX/2019 Amount : {$180.00} XXXX : I was scammed out of two XXXX tickets, paying through Citibanks app ( more specifically XXXX within the bank app ). Was not aware and it was not emphasized that any payments were not protected under fraud or anything along those lines similar to XXXX. Trusted there would be a dispute system given it seemed back by the bank, but apparently XXXX is third party and banks do not have any obligation to help in this situation, which seems crazy given the integration of XXXX within banks apps. Difficult to even initiate any suit or claims given the amount and lack of concrete information on the scammer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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:
I HAVE INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME. AS FOLLOWS : 2 FALSE HARD INQUIRIES FROM XXXX 1 FRAUDULENT COLLECTIONS ACCOUNT # XXXX FROM AN UNKNOWN COLLECTOR AND 4 2 FALSE HARD INQUIRIES FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: US Mortgage Resolution LLC
State: NY

Complaint narrative:
Please be advised that I am trying to sell my foreclosure home and trying to pay 100 percent of what I owe my lender but unable to because there is a second lien originally owned by XXXX XXXX passed to XXXX XXXX they sold it to XXXX XXXX but there is no chain of title documents and title company will not close. I am in danger of losing the equity I have in my home and need resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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:
I HAVE INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME. AS FOLLOWS : 2 FALSE HARD INQUIRIES FROM EXPERIAN 1 FRAUDULENT COLLECTIONS ACCOUNT # XXXX FROM AN UNKNOWN COLLECTOR AND 4 2 FALSE HARD INQUIRIES FROM 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 non-monetary relief
Consumer complaint received 2019-04-18 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:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for o store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX   XXXX, XXXX XXXX. XXXX XXXX XXXX. Chapter XXXX  Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXXS, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX.   XXXX. I have reached out to my local police and FTC. I'm doing this on my own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 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:
THE PAYMENT HISTORY SHOWING ON THIS ACCONT IS ABSOLUTELY INCORRECT. I NEVER WENT TO COLLEGE, I NEVER HAVE HAD A STUDENT LOAN AND I HAVE DISPUTED THIS SEVERAL TIMES OVER SEVERAL YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC
State: KS

Complaint narrative:
I have received 4 remarks from XXXX XXXX XXXX  about bills that have went into collections. I wasnt not notified that I had these bills or that they were delinquent and about to go into collections. I was enrolled in college during these dates and moved every year - sometimes up to three times in a single year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for o store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I have reached out to my local police and FTC. I'm doing this on my own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for o store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. EQUIFAX MTG, EQUIFAX MORTGAGE SERVI. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. I have reached out to my local police and FTC. I'm doing this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I have a loan with SELECT PORTFOLIO SVCIN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SELECT PORTFOLIO SVCIN and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX and SELECT PORTFOLIO SVCIN with no successful resolution. XXXX, XXXX  and XXXX reporting me 30, 60 and 120 days late from XXXX to XXXX. There was an error on their part. I was never 30, 60 or 120 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Froze my credit with equifax, got a code to unfreeze it later but it does not work. I had to send a copy of my social security, drivers licence utility bill. I sent express and they got it. Called them and customer service is in XXXX ( unbelievable for a credit bureau share our confidential info on another country ) and all i got from representative was that i would hear from them in 30 days. I need to get a loan and everything is blocked because of equifax. What can be done? 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: AR

Complaint narrative:
I went to XXXX XXXX to get a bedroom suite XXXX I got approved for XXXX credit with American First Finance. XX/XX/2018 ... my payments were XXXX monthly.. I made timely payments and I paid off the furniture but Im now being charged XXXX for fees for not paying it off in 90 days. I am XXXX and work part time trying to make ends meet. They cut my hours after the holidays. I want to pay but I asked them if I could get a lower money payment they said no this is what you signed. But my signing on a computer at the store I didnt know about the extra fees ... nor did I receive a statement saying to pay off early or pay extra fees. What can you do to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have received a {$21.00} credit report fee from Experian. However, I did not order a credit report. Their phone system will not allow me to speak to a person. It just hangs up on me. I have had this problem in the past when I have asked for my Credit Freeze to be lifted. I know there is a small fee for lifting my Security Freeze but Eperian soon bills me {$21.00} in addition to the agreed upon fee.

I think it is terrible that their phone system will automatically stop my call when I try to call them to correct this problem.

Today I when through their log in process 6 times and each time they simply said " Good bye ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2019, we applied to Bank of America for a HELOC of {$500000.00} or so. At the time BOA was running a promotion rate of prime minus 1.51 %. We learned about the rate on BOA 's website but decided to work with a loan officer introduced by a XXXX XXXX investment advisor. The loan officer 's name is XXXX XXXX XXXX, VP, Wealth Management Lending Officer of Bank of America ( NMLS XXXX ) at XXXX XXXX XXXX, XXXX, NY XXXX. 

Both my husband and I have spotless credit history and very high credit score. We have been a BOA customer for over 15 years. By XX/XX/2019, we supplied Mr. XXXX all application documents including personal tax returns and proof of primary home insurance. On XX/XX/XXXX we also accommodated the appraiser sent by BOA to evaluate our house. But Mr. XXXX insisted on us sending my husband 's business tax returns and financial statements. My husband is only one of the three partners of his business. He does not have the authority to disclose his business 's financials which he only owns one-third of. Despite our repeated explanation, which was backed by the business 's accountant, Mr. XXXX denied our HELOC application. 

We feel strongly that Bank of America treated us unfairly by denying us a home equity loan. Since my husband 's business is neither a party to the loan nor a guarantor, it is inappropriate for BOA to ask for financial records of the business. What's more, the business is a separate entity co-owned by other people who have nothing to do with our HELOC application. And to deny us a loan because we failed to supply documents that we can not legally share is outrageous. 

I should also mention that when Mr. XXXX emailed us the Bank 's decision, he directed us to the XXXX XXXX   investment advisor, whom I mentioned in the beginning, by copying him in the email ( totally ignoring our privacy ). The investment advisor has tried for years to gain our business and manage our brokerage assets. By denying us the HELOC, Mr. XXXX intended to blackmail us into opening a brokerage account with his partner at XXXX. This is business practice in its ugliest form. 

We have been XXXX XXXX XXXX retail customer since the beginning of our career. We are dubbed their preferred clients. If even preferred clients are treated unfairly or even extorted in time of need, can you imagine what an average customers treatment would be like?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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:
I HAVE A BUNCH OF FRAUDULENT ACCOUNTS ON MY CREDIT REPORT:

EQUIFAX
- ONLINE INFORMATION S XXXX XXXX
$XXXX  

XXXX
- 10 XXXX XXXX XXXX Collection services $XXXX
-  11 XXXX XXXX XXXX
Collection services
$XXXX


XXXX
- XXXX XXXX XXXX Other Collection Agencies $XXXX
- XXXX XXXX XXXX XXXX XXXX
Collections  non specific $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
Scott Parnell and associates, claim I owe them a debt for a student loan from XXXX XXXX XXXX. They've frozen my bank accounts until the court date which is more than a month later. I have yet to receive a summons or any paperwork in regards to this issue from Scott Parnell and associates or the court system. I still offered to pay and settle the issue, and the claim they only accepted wire transfer for settlements. That it had to certified funds.

Company response to consumer: Closed with explanation