vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-27 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: CA

Complaint narrative:
XXXX XXXX is putting a fraudulent acct on XXXX and transunion

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 2019-04-27 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: AL

Complaint narrative:
I Disputed wrongful reported information on Equifax and XXXX   credit report by XXXX XXXX. I sent letter asking for proof of accuracy. Equifax failed to respond back in given time per law. Therefore collection account from XXXX XXXX should be removed from my credit profile. I also disputed with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX {$260.00} Amount Claiming Owned *** XX/XX/XXXX XXXX Date Reported On My Credit Profile *** Requesting *** VOD *** Validation Of Debt FCRA Sections XXXX XXXX ( a ), XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have multiple inquiries from the same company and around the same month or two never applied for some of the items that are listed. Like about 6 capital one bank or any that shows up more than once

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I purchased this online course " XX/XX/XXXXXXXX '' on XX/XX/XXXX XXXX ( Saturday ) 2019. 
The next days, I can not reach him anymore. He doesn't reply to my messages. He's supposed to be a mentor and we're supposed to have communication through out even after I finished all the videos. I feel like I got scammed. 

On Monday, XX/XX/2019, I contacted him and asked for a refund. He replied and told me that I was stealing information in his course. He sent me an email ( Attached to the bottom ) about the Policy, It says that he will not refund because I watched most of the videos. On the policy it says that less than 100 % video watched and 100 % 30 days money back guaranteed then you get to refund. I only watched 88 % of the videos and not even 30 days have pass I also called my bank ( Bank of America ) for a refund, They said they'll give me a credit or something, I don't really understand what they're saying but its been almost 2 weeks I never received anything.

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 2019-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American First Finance, Inc.
State: CA

Complaint narrative:
Original Creditor : XXXX XXXX XXXX {$1400.00} - Amount Stated That I Owe **** Requesting **** VOD **** Validation Of Debt **** Date Disputed : XX/XX/2018 Resolution : Account Status Was Updated Requesting VOD - Validation Of Debt This Was NOT Validated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a secure credit card with Wells Fargo over 5 years ago and was told I would receive my {$300.00} back in 1 year as long as I maintained my account, which I have done. My fiancee opened an account the same time and her card was transferred to unsecured in 6 months. Now 5 or more years later, maintaining on time payments, they are still holding my money with no reason as to why. I have contacted several times with no reason as to why.

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 2019-04-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This was about 6 years ago or so I withdrew money from an atm machine outside of Bank of America in XXXX California for XXXX the machine never dispensed my money but gave me a receipt as if it did I went inside to let them know there atm machine outside was malfunctioning to find more people complaining about the same problem the bank stated they could not do anything about the situation all they said was call the number on the atm outside and they will fix it. I got on the phone and they reimbursed my account within the 24 hours or so about two weeks later I get a letter saying they are going to take that money back that they investigated and there was nothing wrong with the machine so the account was already low when they removed the money back bringing the account to a negative I went to the bank the next day to complain and they tell me the same thing they cant do anything about it and to call the number so I stopped banking with them and now I have this on my credit report as a negative

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 2019-04-27 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 — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
I have never received my consumer report from ARS ( Advanced Resolution Services )! 


I have been trying to get that since 2017! 



At least 2 companies did adverse actions to me citing ARS! 

Is that the tip of the iceberg? 

What if more companies did adverse actions because of ARS and I don't know about it yet????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
accounts are closed by the companies, when I received my reports back from bereaus via Transunion, XXXX and 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 2019-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
Lotane & Associates took me to court to pay a medical bill from my XXXXyr old daughter. We settled with the subcontractor they sent out on XXXX.19.  Their subcontractor told me they would be sending us official documents about our debt owed in two weeks. I have never received any documents from them to date. They did call me and told me my wife and I both had to sign another document because the debt was in both of our names. They sent me a document via email that was altered and had the XXXX County Court seal on it. I told them I would not be signing this, as it was not an official court document. I sent them am email again, on XXXX.19 and to date have received no reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Nelnet and XXXX services both were properly notified that I was XXXX and have be on SSI for about five years, and still put my loans in default and took my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
accounts are closed by the companies, when I received my reports back from bereaus via XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
accounts are closed by the companies, when I received my reports back from bereaus via XXXX, XXXX and Experian

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 2019-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC
State: NC

Complaint narrative:
I was in the process of buying a home in XXXX, Fla. under my VA eligibility loan and the lender had already approved my for {$300.00} and was asking my for all type of different Documents, IDs, old mortgage and bank statements which we faxed or sent to them. My realtor XXXX XXXX in Fla. said to us that he had never seen a mortgage Co. ask for so much different stuff for a mortgage loan. After all of this went down, and knowing that my VA loan is no money down {$0.00} they had us to wire them {$1.00} plus them made us pay for the termite inspection {$450.00} and the property inspection {$150.00}. After that they wanted clear pictures of My wife and I IDs which I had sent them before via fax now I did them on my phone. I was two days before closing, they told us that we they were not going to give us the loan. We believe that the seller saw that we were XXXX and the home we were buying was in a gated neiborhood. They then sent us a form of release of our funds to sign and we sent that back to them. After a few days went by on the weekend, that Monday morning they sent me a email stating that they would not give us our money back because my wife before we were married, her home was in a reverse mortgage and I had sent those papers to them long before we wired them the money. If that was the case they should have stopped the whole process than. The Mortgage Co. is CityWorth Mortgage in XXXX, VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I have never received a copy of my fcra report from XXXX! 

I've been trying since XXXX! 

Now it's XXXX! 

I have left telephone messages on XXXX XXXX telephone messaging system! 

A lot of times!

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 2019-04-27 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: NJ

Complaint narrative:
They were properly notified that I was XXXX and on ssi for several years and placed my loan in default anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
Other debt collectors have tried to collect money for this same issue and Ive had it removed. This company keeps refusing and has no proof this debt is mine. I have no recollection of this debt. Please remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
My wife and I were in business partnership that went sour do to another partner misusing funds we blocked them from using account last year. They were able to go to account even though they were blocked and took {$3900.00}. I was advised by Wells Fargo there was nothing they could do about it and I needed to close account and open new account with only my wife 's and my name only on the account and this problem would never occur again. We did that last year. Yesterday on XX/XX/2019. I saw the account which had {$3100.00} was empty. I found out that Wells Fargo authorized XXXX XXXX to put her name on the account without authorization from us and steal the money. They justified by saying she was a business partner on business that was closed and no longer in operation even though original business account had been closed. We want our money back as she was allowed to steal from us without as much as a phone call to us. We also want an explanation as to how they can act as lawyers on her behalf and not protect the account holder. I want Wells Fargo to proceed with fraud charges against her and she be put in jail.

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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
In XX/XX/2019, BMO Harris bank filed a W-2 with the IRS indicating that it had paid me {$300.00} in interest. It never paid me any interest. It did give me a gift of {$300.00} for opening checking account to 6 months and arranging to have direct deposit of my social security benefit. I closed the account after complying with the terms of the offer. I want the bank to rescind its W-2 immediately. The {$300.00} was a gift and gifts are non-taxable.

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 2019-04-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
This has shown up on my credit report from convergent outsourcing for an amount of XXXX or something close to that effecting my credit report and score for a debt I've never heard of

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 2019-04-27 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: NM

Complaint narrative:
I have had some disputes and noticed that they are no longer doing anything with them I have a credit repair company and they have disputed at least five things and now I look at the dispute center and nothing has been done. I have also noticed that they have place two accounts that were closed years ago and have put them to where they are being reported this year and they have already been charged off five years ago. I received a letter from the courts saying these accounts have been resolved. I think this is possibly 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 2019-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: OH

Complaint narrative:
I made a payment of {$25000.00} on XX/XX/XXXX. I received notices that three of the loans were paid off in full as of XX/XX/XXXX as I delegated the funds. XXXX now has reversed my payments in their system but still have my funds. There are not resolving the issue despite having taken {$25000.00} out of my bank. I am so frustrated with the illegal activity and am requesting an investigation. I will also be hiring an attorney to aid in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In around XX/XX/XXXX, I became aware that my identity was stolen in XXXX and there were several fraudulent credit cards opened in my name, including one at Citibank that eventually accumulated a balance of {$13000.00}. When I contacted Citibank about this account in XXXX after obtaining my credit report, I was assured that I would not be responsible for the account. It was removed from my credit reports in XXXX. However, in XX/XX/XXXX, I was informed by mail that the debt was sold to XXXX XXXX XXXX, XXXX. After notifying them by certified mail that the debt was the result of identity theft, the account was promptly re-sold to another debt collector, XXXX XXXX I, XXXX. I again notified the new company by certified mail that the debt was inaccurate, and they responded with a letter stating " we deny any inaccuracy in the information relating to the debt. '' Attached was a statement from XX/XX/XXXX with my name on it, but which I never received since the account does not actually belong to me. After calling Citi customer service 4 times between Friday XX/XX/XXXX and Saturday XX/XX/XXXX, I was told all four times that there was nothing that could be done on their end since they no longer had access to the account, and the representatives either transferred me to the debt collector 's number or gave me that number as " the team '' that I needed to call to get this matter resolved.

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 2019-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing took over my mortgage in XXXX, XXXX. In XXXX, XXXX, I received a letter requiring me to show proof of flood insurance. I had never been asked this by any other mortgage servicing company since I purchased my home in XXXX. I reached out to our XXXX 's insurance company and was told that we were not required to have flood insurance. The insurance company sent a Standard Flood Hazard Determination dated XX/XX/XXXX to Shellpoint stating that we are not in a flood zone on my behalf ; however, the person I spoke with at Shellpoint told me that they only way I would not be required to have flood insurance is if they had a letter from XXXX stating that we are not in a flood zone. It took a while, but I was finally able to track down a XXXX letter, and submitted it via email to Shellpoint on XX/XX/XXXX. I received a letter from Shellpoint dated XX/XX/XXXX stating that " We were recently advised due to a XXXX flood map revision that the above property is no longer in a zone that requires flood insurance. As a result, we will not require you to continue to provide proof of flood insurance coverage for the above property pursuant to our loan agreement. '' However, they only partially refunded the money that had taken from my escrow account for flood insurance. When I called them on XX/XX/XXXX, I was told by the agent that the document had expired. I said that I had a copy of the XXXX letter and that it does not expire. She said she would email the document to me. First she emailed some other customer 's confidential document to me by mistake. Then she emailed the document that pertained to my home. It was the determination that my XXXX 's insurance had sent back in XXXX. She claimed that it expired on XX/XX/XXXX, and I would have to provide new proof that I'm not in a flood zone. I told her that it didn't expire on XX/XX/XXXX, it was simply dated XX/XX/XXXX and the only thing that could override the XXXX letter was a new XXXX letter. I sent her the XXXX letter again, along with a copy of their own letter stating that I was no longer required to prove that I had flood insurance. I received no response. On XX/XX/XXXX, I sent a letter using the template found on this website, explaining the situation again, with all documentation attached, requesting that my funds be returned by XX/XX/XXXX. I again received no response whatsoever. I did receive a new escrow statement showing that they are planning on increasing my monthly escrow payment based on my expenses, including the flood insurance that I do not need.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation