vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Settlement conference hearing at courthouse with Bank of America XX/XX/2019. They gave me a year to sell the house on my own after obtaining a realtor and following other steps which the year wouldve started end of XX/XX/2019 beginning of XX/XX/2019 because I had to fight to get the steps accomplished getting the paperwork in when they would say they didnt receive it & set it for sheriff sale saying I didnt comply. Then they would see that I did and stop it. This happened a handful of times. I complied as best as I could and everything was on time. I did everything they asked me to do and they dont want to hold up to their end of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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 CONTACTED THIS BUREAU A NUMBER OF TIMES STATING THESE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME. THEY ARE FRAUDULENTLY OPENED. I DID NOT AUTHORIZE OPEN THESE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY BECAUSE THEY HINDERING ME. 
XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4500.00} XXXX {$660.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$860.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 
Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. Because I dont recognize these debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. 

I recently reviewed my credit report and found some information which is false and I wish to have this removed. 

The information which is false and should be removed is the address ; XXXX XXXX XXXX, XXXX CA,XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. And the phone number 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 2020-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is in regard to Paypal-a company that is clearly breaking the law-but it is a serious uphill battle fighting them as they seem to care about no one. I had 3 accounts with them ; then an ID theft ; once I reported that ID theft in XX/XX/2018( when it affected me ) I told Paypal that I felt strongly that many charges were fraudulent and my ID theft was not only verified by the FTC but proven ( completely ). They immediately closed my Paypal accounts to online or app access, and after 60 days reject all 25 disputes I claimed ( as the names of the charges were too vague, one letter names, numbers, etc-I needed to know who they really were ) on a Sunday at XXXX XX/XX/XXXX ... all of the disputes were rejected in a plethora of late night form type emails. I never paid these accounts because of this clear breach of contract-now they send them each to collections-where I explain this to each agency, they then return the debt to Paypal, and XXXX XXXX-both of whom I have not only contacted, but basically after hearing my story-dismissed it as " too difficult '' and to late for their 180 day window ). But I filed my disputes within 30 days of the problems arising-and yet, they still would not allow me any courtesies. Now they are getting each collection sold BACK-over and over again, as the agencies agreed these were not collectible debts-then Paypal and XXXX XXXX   sell them yet again-it has now been 6 different collectors,  and it seems this will continue. I believe this isn't legal-but moreover, I strongly believe Paypal, a public company has violated their charter-and I think my proof of my ID theft was very compelling. I am asking for your assistance in this matter, otherwise I would need to sue Paypal-a daunting task, and probably fruitless. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX Inquiries XXXX XXXXCredit Union XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXXCredit Union XX/XX/XXXX XXXX   XX/XX/XXXX XXXX Financing XX/XX/XXXX XXXX   XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXXBank XX/XX/XXXX XXXX XX/XX/XXXX XXXXTravel/Entertainment XX/XX/XXXX XXXX XXXXEducation/Employment XX/XX/XXXX XXXX XXXXBank Credit 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 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have made several attempts to get my account on a positive balance, however, the bank has a practice where the delayed the posting of my funds which is Hundreds of dollars on fees. Just today I requested the bank to opt me out of any draft fees, however this was requested months ago. Im you said and XXXX options through my employer which is XXXX, XXXX XXXX with the funds are immediately available, however the bank is taking 2 to 3 days to actually post the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency
State: IN

Complaint narrative:
This was debt was paid by my insurance company which I have attached was paid to XXXX XXXX in the amount of {$680.00}, and I have filed numerous disputes with XXXX regarding this account from XXXX XXXX XXXX, however this has been paid and submitted to XXXX XXXX XXXX with a Certified Letter which I have verification they received. I would ask that you please ensure that this Collection Agency remove this erroneous item from my Credit Report? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX - XXXX - and the credit bureaus are reporting inaccurate information as well as they are in violation of the Bankruptcy courts - the Automatic Stay! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX - XXXX - and the credit bureaus are reporting inaccurate information as well as they are in violation of the Bankruptcy courts - the Automatic Stay!

This account was included in my DISCHARGED bankruptcy yet they are still reporting  monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX, I contacted Fifth Third to request prior banking reports.On XX/XX/XXXX, I tried to reconcile with Fifth Third Bank, and their customer service representative refused, to resolve matter.I was told to contact you credit company about new account pending to be open with Fifth Third Bank.In XX/XX/XXXX Fifth Third Bank representative asked me if I needed payee amount paid from my account.I didn't request this information.I reported information to another service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: TX

Complaint narrative:
Unauthorized Inquiries. I did not authorize or have any knowledge of such inquiries. I have no dealings with XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX. Nor do I have a account or have applied for anything. 

Capital One : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. 

I recently reviewed my credit report and found some information which is false and I wish to have this removed. 

The information which is false and should be removed is the address ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. And the phone number 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 2020-01-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. 

I recently reviewed my credit report and found some information which is false and I wish to have this removed. 

The information which is false and should be removed is the address ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. And the phone number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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 HAVE CONTACTED THIS BUREAU A NUMBER OF TIMES STATING THESE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME. THEY ARE FRAUDULENTLY OPENED. I DID NOT AUTHORIZE OPEN THESE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY BECAUSE THEY HINDERING ME. 
XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4500.00} XXXX {$660.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$860.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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 CONTACTED THIS BUREAU A NUMBER OF TIMES STATING THESE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME. THEY ARE FRAUDULENTLY OPENED. I DID NOT AUTHORIZE OPEN THESE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY BECAUSE THEY HINDERING ME. 
XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4500.00} XXXX {$660.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$860.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ) - and the credit bureaus are reporting SEVERAL inaccurate ACCOUNTS as well as they are in violation of the Bankruptcy courts - the XXXX XXXX! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ) - and the credit bureaus are reporting SEVERAL inaccurate ACCOUNTS as well as they are in violation of the Bankruptcy courts - the XXXX XXXX! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
So far on two separate occasions, on XX/XX/2019 and XX/XX/2019, I have deposited XXXX and/or XXXX XXXX money orders into my Regions checking account. Both times, I received an email the following morning at XXXX XXXX CST from Regions informing me that my deposit would be placed on hold because Regions has confidential information that indicates that the check may not be paid, even though this is not possible because legitimate XXXX and XXXX XXXX money orders are always paid 100 % of the time. I spoke to the branch manager at a branch in XXXX, XXXX on XXXX  XXXX on XX/XX/XXXX and he told me that I should provide receipts of the purchased money orders so that in the event of a hold placed by the back office, I can prove the checks were legitimate. I have uploaded images of the receipts to four money orders that are currently deposited in my account yet not in the available balance. 

It is obvious that Regions is using this false narrative of confidential information that indicates that the check may not be paid to fraudulently freeze almost {$4000.00} of mine deposited via money orders. These money orders take 1 business day to clear, meaning that Regions already has the money and is earning interest on it. This behavior is unacceptable and is no way to treat a banking client.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
On XX/XX/2018 my employer received a letter from Converget. In that letter contained the amount of money I owed in debt. XXXX and that the balance was reduced to XXXX. I'm currently employed at the company witch my wife 's father 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 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Bank has placed HSBC XXXX account a freeze and is requiring customer to visit a branch. The account is an HSBC XXXX account opened online and the customer has never been to a branch. 

The closest bank branch is over 300 miles away from the customer 's residence and the customer is unwilling to travel 300 miles to present his ID at a bank that opened multiple accounts for him online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D.B.F. COLLECTION CORP.
State: NY

Complaint narrative:
XXXX  membership canceled due to breach of contract. All supporting documents sent to attorney representing XXXX. Collection agency deleted first dispute, and resubmitted another dispute for the same issue/amount. Dispute currently under investigation by XXXX, XXXX. My credit was in good standing for 20 years until DBF Collection agency dispute. I have recently been denied credit which otherwise would have been approved.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I bought 6 item on XXXX with master business debit card XXXX, i closed my account with Bank of America , but i have 6 incoming return and refund from on XX/XX/2019 till now, back to my closed debit card. I tried to get my money back by calling, visit BoA branchs and debit card claim department but they can not located where my money go??? I contacted XXXX team and they escalated the case, billing department tell me all 6 refund, has been received by Bank of America as resolved. I called today to ask Bank of American claim department but get same answer, which they don't have the fund???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My sister and I have a home mortgage with XXXX XXXX issued XXXX of XXXX. In XX/XX/XXXX we had a business fail and we declared a Chapter XXXX bankruptcy but did not include the home mortgage. We did not realize until we tried to refinance in XX/XX/XXXX that XXXX XXXX never reported on my sister 's credit that she had a home loan and that in XXXX of XXXX XXXX XXXX stopped reporting on my credit and stated our loan was terminated. ( lesson learned check your credit at least once a year ). the institution i was trying to refinance with to use my VA thought i was committing fraud but all this came up after i paid for the appraisal and paid for a lock on the rate. ( about {$800.00} total ). In XX/XX/XXXX we contacted XXXX XXXX to try to straighten the mess out because financing VA and having an FHA loan triggered a CAVIRS flag with FHA because of the " terminated '' on my credit. Yet the entire time XXXX XXXX sent monthly statements and we continued to pay the house payment on time monthly. We requested as did our refinance lender, the payment history and to straighten out the reporting. This was in XXXX and now in XX/XX/XXXX XXXX XXXX still needs more time to provide a payment history and correct the reporting. As a result we had to withdraw the loan application and now we are out the {$800.00} we spent trying to refinance. We have talked to many levels of Customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: WA

Complaint narrative:
I am unable to freeze my credit report with Equifax. My online account does not work. I am not permitted to log in. I have tried working with their agents by calling XXXX. I give them all the personal information asked for, the agent verifies that it is all correct and places me on hold. After a few minutes I am unceremoniously disconnected. This has happened on multiple occasions. I do not have any recourse at this point!!!

Company response to consumer: Closed with explanation