vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Mr. XXXX XXXX Chief Executive Officer Bank of America Corporate Office XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XX/XX/2018 Dear Mr. XXXX, This letter is to inform you that we, my family and I, are having a very unsettling experience with our Bank of America accounts. Our experience is not a single event, nor a personnel issue, nor an issue of miscommunication. It is an experience of fraudulent activities, malfeasance, poor corporate systems and lack of management accountability to customers. Please note that our experiences charge Bank of America with : Unauthorized asset transfers and account openings and closings Non-disclosure of unauthorized transfers by Bank of America personnel Blatant disregard of customers directions and instructions for all account activities Violations of fiduciary and ethical responsibilities Mismanagement of personnel accountabilities Biased review of complaints to favor Bank of America personnel versus the truth No authorization of transfer of money, opening nor closing accounts Fraudulent written authorization for transfer of money, opening and closing of accounts. We are inherently disappointed by the Bank of America employees who have dismissed our protests of  unauthorized transfers of money as misunderstandings. It is imperative for you to know that while we discovered fraudulent activities on our accounts, other customers who could be your family or friends, may not be as diligent. The fiduciary duty of Bank of America failed us and may be deceiving others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: IL

Complaint narrative:
I have an account on my credit report from XXXX auto-this car was stole off the dealership while I was signed my contract. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with XXXX auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car through my car insurance, and I tried to help XXXX  get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that XXXX  told me to do and submitted it. I thought it was done, because I didn't hear anything from XXXX. 
I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. XXXX and XXXX XXXX has blocked/remove this debt off my credit and all three blocked/removed it off my husbands. But Equifax refuse to remove/block the debt off my credit report. They tell me that it's not fraud because I can't produce a police report. And I can't get a copy of the report, because XXXX pd didn't accept the complaint because the car was never in my name. And now XXXX is trying to collect a debt that is Fraud!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made payments to carecredit and it was misapplied to someone els account after an investigation the money was then applied to my account but they never took off late payments or the interest charges for those payments the company then proceeded to send this to collection and put it on my credit report when I asked for them to look into this issue I received a letter attached a statement for someone els XXXX XXXX account. 
I want this all fixed and they shouldn't send me other peoples account statements that's a violation of the law

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 2018-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I had been requesting a Loan Modification from my lender SPS. I have a very legit hardship to have requested this. I never had a modification in the past ever. This would had been my first one.

SPS gave me a approval for a modification and when I was informed about the approval I had been just release from the hospital and I have been in and out of the hospital for some time now, thus the reason im requesting a modification. Once I spoke with SPS about my approval my payments were some what more affordable for me but since I had just been release from the hospital and being heavily medicated with drugs, I really was not on the mind to speak to anyone to have made any decision on my home. SPS told me if I font take this approval then I need to SHORT SALE my property, well I was not even able to comprehend the approval and understand this and nor was I explained the process of what a SHORT SALE IS, until I requested XXXX XXXX to help me in this process, and they explained to me what a short sale is and I would loose my property. I was very shocked o have known what this was and my lender telling me that, " if you don't take this approval you need to short sale your property ''. Before I found out what anything meant I told SPS to go through the short sale process not clearly understanding what it really was - then when XXXX XXXX   wanted to help me they said no you don't need to do a short sale on your property we will get you the approval terms back. SO SPS refused to let me take the APPROVAL they gave to me, knowing that my hardship was clearly all medical issue of going in and out of the hospital. For my lender to have treated me so inconsiderate for my medical issue is not the way any lender should be to a homeowner. I want to keep my home and stay there and enjoy the rest of my life there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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 a victim of identity fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MIDCOUNTRY FINANCIAL CORP
State: IL

Complaint narrative:
I have an installment loan with XXXX XXXX XXXX in XXXX, Il. I am behind in my payments due to a job loss and starting a new job making less money. I am behind in several bills and have started a bankruptcy ( Chapter XXXX ) through an attorney. I was told to give the information to the finance or credit companies so they can deal with the attorney instead of calling me. I gave XXXX XXXX my attorney information on XX/XX/18 ( through online portal ) and again XX/XX/2018 on the phone. On XX/XX/18 they are still calling me regarding payment. Not only did XXXX call regarding payment she called my work asking for me and when I wasn't there she asked to speak to the payroll department. 

I called and spoke to her this morning, XX/XX/2018. I again gave her the information for the attorney and demanded that she stop calling me. I also asked XXXX what she wanted with the payroll department and she said she was just verifying employment which was a lie. She already knows I work here since she continues to call me at work even after telling them to stop. 

This is also the third time I have told them to quit calling me at work which hasn't worked in the past since they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided.

This is a final goodwill attempt to have you clear up my record.

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX, XXXX/XXXX XXXX XXXX   ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXX XXXX on Tel : ( XXXX  ) XXXX was a billing company and a creditor mentioned by XXXX XXXX , XXXX . 
these accounts are not mine. It must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Recently Wells Fargo has changed the way they charged overdraft fees on my account. Previously, Ive never been charged if my account was negative due to pending withdrawals, as long as my daily ending balance was positive. Now Im being charged fees if the account has items clear while pending items show my available balance as negative. Ive called multiple times to see if there was an official change in the policy, but every agent that Ive spoken to has told me that this is how theyve always processed overdraft fees, which from my personal experience it is not how it was done before. My main concern is that Ill be charged fees for pending transactions that could never actually post to my account, such as using my card to book a hotel room, or if I use it for setting up automatic payments that result in a {$1.00} authorization that Im never actually charged. I wouldnt mind if they would just tell me that they made this change, but no one will admit to it so it feels extremely underhanded as they will be collecting fees until consumers become aware of the change. The most recent time that Ive seen this happen was today ( XX/XX/XXXX ) when I had a car payment post to my account on Friday ( XX/XX/XXXX ) and then received an overdraft fee even though my account had a posted balance of {$310.00} for the end of the day on Friday. I see no reason to have both a posted balance and an available balance when the posted balance has no bearing on my 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 2018-09-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sent a letter in XX/XX/XXXX to XXXX no response filed with CFPB ( complaint attached ) The company states in the first part of report they are not the company then I responded to the response sending back up ( attached ) where they are reporting, the company sends a response they will send back up to verify the debt they are referring to " insurance '' which I have no idea .... they responded to this in XX/XX/XXXX. 
Still have not rec 'd back up. pulled my report and they are still reporting. 
Not sure how in one report they company can state that is not there debt, then go on to say oh yes this is and its from XXXX an insurance that was cancelled. But no send back up but continue to report monthly ( attached ) from XXXX XXXX. 

I want this removed from my credit report immediately clearly the company does not have proper back up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Sent a letter in XX/XX/XXXX to XXXX no response filed with CFPB ( complaint attached ) The company states in the first part of report they are not the company then I responded to the response sending back up ( attached ) where they are reporting, the company sends a response they  will send back up to verify the debt they are referring to " insurance '' which I have no idea .... they responded to this in XX/XX/XXXX. 
Still have not rec 'd back up. pulled my report and they are still reporting. 
Not sure how in one report they company can state that is not there debt, then go on to say oh yes this is and its from XXXX an insurance that was cancelled. But no send back up but continue to report monthly ( attached ) from XXXX XXXX. 

I want this removed from my credit report immediately clearly the company does not have proper back up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2018 I rented a car from XXXX XXXX XXXX XXXX in XXXX XXXX SC. When my plane landed I had to wait almost 2 hours to get my car and by the time I received my car I had missed the event that I flew in for. With this being said when I returned from my trip and spoke to XXXX XXXX they stated that my credit card was only going to be charged XXXX total. XXXX XXXX even emailed me the new invoiced amount. When I received my credit card statement there was a charge on it for XXXX I called XXXX XXXX and they stated that they only charged me XXXX and if there was more then that the credit card company was at fault. I called the credit card company and opened a dispute. XXXX in the dispute department called and said that she received the information from XXXX XXXX and the charge would be removed from my credit card. I have email upon email from the car rental place stating that my total charge was only XXXX and nothing more. Well low and behold 2 1/2 months later the credit card company put this back on my credit card. I have been dealing with them and it is not getting resolved. I have talked to XXXX time and time and they stated that they only charged the XXXX and the bank is at fault. With this being put back on on statement now I am over my limit, and XXXX in charges that do not belong to me along with the interest charges. I do not know what else to do at this point. I have supplied them all the emails and documents from XXXX showing the bank is in the wrong. Please help me out with this.These charges do not belong on my credit card and this is actually effecting my credit score by showing that I am over the limit.

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 2018-09-24 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have an account on my credit report from Chase auto-this car was stole off the dealership while I was signed my contract. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with Chase auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car through my car insurance, and I tried to help chase get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that chase told me to do and submitted it. I thought it was done, because I didn't hear anything from chase. 
I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. XXXX  and XXXX XXXX has blocked/remove this debt off my credit and all three blocked/removed it off my husbands. But XXXX  refuse to remove/block the debt off my credit report. They tell me that it's not fraud because I can't produce a police report. And I can't get a copy of the report, because XXXX pd didn't accept the complaint because the car was never in my name. And now Chase is trying to collect a debt that is Fraud!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: DE

Complaint narrative:
I called Penn Credit Corporation on XX/XX/XXXX and spoke with someone and told the guy I want to dispute this matter the guy told me I cant which wasnt true also I let him know this account was a very old account after he couldnt even found me in there system after 5mins of  being on the phone with him Pennsylvania has a statute of limitations of six years for typical debts. If it's been more than six years since a credit card debt or contractual loan obligation became due, the creditor can no longer take collection actions for that debt. This is a standard statute of limitations and is on par with most other states. 
I call the original company and they confirm that the debt was last paid by me In XX/XX/XXXX and after that a company called XXXX paid XXXX $ which I didnt pay The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ) As a practical matter, the Statute covers most types of debt, including credit cards, medical bills, personal loans, etc. 
The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. I want it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES
State: NC

Complaint narrative:
I have several months that are not being reported to the credit bureaus that shows my account as current for all months. The missing months includes that following : XXXX XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have an account on my credit report from Chase auto-this car was stole off the dealership while I was signed my contract. My old business partner stole this vehicle, the car salesmen gave him the keys to test drive the car without the salesperson in it. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with Chase auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car  through my car insurance, and I tried to help chase get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that chase told me to do and submitted it. I thought it was done, because I didn't hear anything from chase. I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. Chase auto recovery department is now calling me to collect this debt-and Chase credit department respond to XXXX stating that the debt is valid ed. I can't file a police report, because the car is not in my name, and I can't put it through my car insurance because the car was also not in my name. So, now I'm fighting with the credit reporting company, and now getting debt calls from Chase demanding to know where the car is and when am I going to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX with XXXX and 30 days late as of XX/XX/XXXX with XXXX and XXXX  I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation