vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I booked a trip for 4 clients on XX/XX/XXXX, and received 2 separate payments on XX/XX/XXXX and XX/XX/XXXX for {$7900.00}. After the second payment, Square suspended my account and froze all transfers of money. I then immediately submitted the documentation required to get my account reinstated, including receipts, payment authorization forms submitted by the clients, operating and organizational paperwork filed with the state, and everything else they required. On XX/XX/XXXX they deactivated my account and said that all transfers will be frozen for 90 days. I tried to call them, chat with them, email them, but everything either sends me to a robot or a noreply message with no ability to talk to a human. I now can't pay my vendors, including hotels that are selling out, so may have to cancel my clients trip or have really dissatisfied clients, effectively putting my business at risk. I don't  know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was selling a couch on XXXX  for XXXX. The potential buyer sent me a check for XXXX. He told me movers were coming to pick up the couch. If I could pay them with the extra funds. I told them I was uncomfortable but when I deposited the check at my local Bank of American via the ATM it cleared 24 hours later. Once the check cleared I contacted the buy and he told me they could come pick up the couch today at XXXX. He then asked me to pay the movers via the XXXX app. I was to keep remaining XXXX for the couch. Within minutes of paying " the movers '' I felt something was off and called the police. The police came to my home and told me it was probably a scam/fake money. I immediately called BoA with police. I was transferred to 3 different departments with not a lot of urgency to my situtation. I was told there was nothing they could do. The XXXX tranfer showed as pending but they said they couldn't recall it or stop payment ( even though it had been less than 90 mins ). 

After 3 days, the check was declined and I was fined. I spoke with the check fraud department and they told me there was nothing they could do because I deposited the check. The police confirmed it was a conterfeit check ( versus a bad check with insufficent funds ). 

If the check did not clear, I would never have sent the XXXX payment. I am humilated by own studidly but I feel that Bank of America should take some accountability for clearing a fradulent check. The end result, the loss of {$1400.00} only occured because the check was cleared by the bank and showed as sufficient funds for 72 hours.

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 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc.
State: CA

Complaint narrative:
XXXX XXXX was given 30-day notice on XX/XX/XXXX of cancellation of fiber services. XXXX  has continued to invoice ( refer to case # XXXX from XX/XX/XXXX ) and still sent account to Access Receivables for collections for charges for services after cancellation. Access Receivables was sent notice to Cease & Desist via certfied mail XXXX XXXX XXXX XXXX XXXX ( delivered XX/XX/XXXX ) and via email to customerservice@access-receivables.com on XX/XX/XXXX. Access Receivable called us again today XX/XX/XXXX to attempt collection. They had been notified any further communication would result in complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have spoken to a representative XXXX id # : XXXX on XX/XX/20 in regards to my vehicle acct # : XXXX. I have explained to the representative XXXX my acct shows a past due balance of {$440.00} for XX/XX/2020 and next due for XX/XX/2020 of {$440.00}, however I have made both payments on XX/XX/20 and XX/XX/2020 of {$220.00}. Per the representative she was very helpful and understanding. She was able to notify customer service and explain payment for XXXX was made. Per the representative XXXX she did have another representative to submit a request for a payemtn reallocation for the month of XXXX. I was given a case # XXXX for the payment reallocation. I have called several times about this issue and on the online site still shows I owe for XXXX. I have spoken to two supervisors in customer service and was advised they were sending a follow up for this issue. I would like my account to be handled appropriately and to be updated as soon as possible. I don't think that it is fair for a customer, because I am getting late fees and my account is reflecting as 30 days behind.

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 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed for bankruptcy 16 years ago. However, my mortgage was not included in the bankruptcy. My mortgage with Wells Fargo used to be reported under their company America 's Servicing Co as paid and current. After my bankruptcy, Wells Fargo took over the loan. Wells Fargo is refusing to update or report my mortgage to the credit bureau. This has resulted in me not being able to ReFi or sell my current mortgage. My bankruptcy was discharged approximately 16 years ago. Wells Fargo is refusing to update and report my credit history. I would like for my Mortgage to be investigated and reported accurately as it did before the Bankruptcy.

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My identification was stolen in XX/XX/XXXX, and XXXX XXXX HAS NOT added this important factor into my credit report. 

I clearly had established credit in XX/XX/XXXX when I got an federal student loan without an co-signer. Why don't i have an credit score? 

Why can't I receive ANY CREDIT AFTRR MY IDENTIFICATION THEFT. 

XXXX XXXX HAS NOT EXISTED SINCE XX/XX/XXXX when my identification was stolen DUE TO AN TEXAS DMV CLERICAL ERROR. 

Why is hasn't my creditor, XXXX  : 1. Update mt credit file to XXXX XXXX, that's matched my nevada id. 

2. Notified creditors that I'm an vitcim of an federal offense. 

3. Basic common sense, I had good to great credit in XX/XX/XXXX, why isnt this shown on my credit report. 

4. Why is my credit score blank, when I previously got an federal student loan.

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 2020-02-25 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: CO

Complaint narrative:
Experian is showing an erroneous " new '' late payment in the last 60 days ( XXXX XXXX ). I contacted the creditor, and they assured me the last time the account was updated was in 2016 ( almost four years ago ). So I checked the account standing on Experian 's website and sure enough, that also shows the last update to the account was in XX/XX/2016. However last month, this " new late payment '' appears under my alerts, accompanied by a 23 point dip in my score. I tried for hours to get a live person on the phone, never getting past Experian 's maze of automated options that deliberately land you at a dead end no matter which option you select. After filing a dispute and waiting nearly three weeks, the issue seemed to resolve as the " new late payment '' disappeared, and my score recovered. Now here I am, less than a month later and the same things is happening all over again. Experain is showing a " new '' " late payment in the last 60 days '' ( on the same account as before, with XXXX XXXX ), my score fell by 23 points, and I still can't reach anyone by phone in spite of a half dozen attempts. This is illegal false reporting by 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 2020-02-25 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received a mail solicitation from American Express on XX/XX/2020. I started calling American Express on Tuesday, XX/XX/2020 to correct the address/ data discrepancy associated with this offer for a financial product. 

I spoke with seven people on XX/XX/2020 after several extended periods on hold. One person provided me a phone number of XXXX to call which turned out to be a sweepstakes redemption number! The only response I could get was to write a letter to the American Express home office, and they provided the corporate street address. 

the other remedy they offered was to block my address from receiving additional mail from American Express, but that will not solve the problem. The issue is that a company, " XXXX XXXX '' is associated with my mailing address on a marketing list used to provide a firm offer for a financial product. I have requested that this be corrected per the FCRA and FACTA guidelines, but American Express has no dispute line or correction center to facilitate this correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL

Complaint narrative:
We have had to file multiple XXXX  complaints against this company. They will not respond to emails, calls, etc. We have had nothing but issues with them. We have changed insurance companies, and they have mandated that we pay these policies in full, then they decide that they don't have to give the money back to us that we paid out to the insurance company. We have been emailing and speaking with the Compliance Department Director, as well as the letter had information pertaining to another one of their customers ( highlighted areas ) and have been advised that we are not entitled to the money that we have paid out to the insurance company. That it doesn't work that way. They will do a projection going forward of what we should be paying and the difference ( which is about 500.00 lower than premium just paid ) may be sent back to us. That all refunded funds are in the escrow account after they do the analysis. When we call they tell us one thing ( if we can actually get someone on the line ) and then the next time tell us they didn't say that, or something different. It took multiple faxes, and XXXX  complaints just to get information updated for our property taxes. If you look up this company on XXXX  they have a F rating and over 137 complaints for the same thing.

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 2020-02-25 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 belongs to someone else
Company: LEXISNEXIS
State: WI

Complaint narrative:
Lexis Nexis sent incorrect information regarding my minor daughter via C.L.U.E report to my auto insurance company which in turn is increasing my car insurance premiums considerably. My minor daughter just received her driver 's license on XX/XX/XXXX. When adding her to my insurance, my insurance company stated they received a clue report from Lexis Nexis via XXXX that stated my daughter was in an " at-fault accident '' back in XX/XX/XXXX. My daughter didn't even receive her temps until XX/XX/XXXX and her license on XX/XX/XXXX. The DOT would not even issue at temp license to a XXXX year old if she had been previously driving illegally and had gotten into an accident. I paid to receive my daughter 's Wisconsin DOT report which came back perfectly clean as well. I called Lexis Nexis and after spending 30 min on the phone with someone located in the XXXX, I was told they would not release the report information to me because I am not my daughter. To do so, they said I had to provide my daughter 's birth certificate, my I.D . and a notarized document proving I am my minor daughter 's legal guardian. So I've gotten absolutely nowhere with them trying to fix their error! Yet they are somehow allowed to sell my minor child 's information to my insurance company without permission???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit score dropped almost 100 points because of a late payment. I contacted XXXX XXXX and made the payment right away. I made two disputes with Experian and nothing has been resolved. According to them Im still late in the payment and the payment hasnt been made

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 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
The account is not mine and it keeps getting put on my credit report. The account is in the name XXXX XXXX and my name is XXXX XXXX XXXX, I called the Debt collector and they told me the name the account was in, the company that had original account was XXXX XXXX. However, the the debt collector PDQ Services keep putting this account on my credit report after I have disputed it many times. XXXX XXXX is my Mother, who is now deceased and when passed in 2014 and was in her late XXXX 's.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
2 years ago by balance with Navient was around {$5000.00}. I had sent up account with Navient and consistently payed Navient. Navient just last month sold to XXXX, in which XXXX is reporting my balance to be {$5600.00}. The last reported amount that I needed to pay was {$680.00}. I have repeatedly tried to call Navient to get the information that was passed to XXXX last month to get the correct balance that was transfered to XXXX but they have told me that they do not have any information regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the letter attached, I contacted the apartment manager and asked to schedule a time to meet and discuss the items listed on the Move-out Statement. I was never contacted by anyone either by telephone or email. The amount of the collection they are reporting is totally false. I am also disputing all charges outlined on the Move-out Statement, specifically the items that follow : missing garage remote ( the remote was left on the counter when I vacated the premises ) ; full apartment trash-out ( I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; one bedroom no attempt to clean ( again, I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; Worn Countertops needs resurfaced ( this was a result of NORMAL wear and tear I should not be charged for upgrading the unit ) ; Missing Refrigerator ( the refrigerator was in the unit when I vacated ) ; Missing washer/dryer ( the washer and dryer were rentals and returned they were not property of the apartment complex ). The collection being reported is completely bogus and needs to be removed from my credit report. This false reporting is seriously harming my credit score. I have contacted the bureaus to remove these line items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DRS Financial LLC
State: NJ

Complaint narrative:
I never received written notice about this debt. Once it appeared on my credit report I have disputed it since I have never had an account with the collection company or the original creditor. The collection company continues to verify this is accurate information. I have tried mailing certified mail to the collection company in which it keeps being returned. I have all my certified mail receipts. Upon calling today the woman informed me that THEY DO NOT OWN THE DEBT! So please explain why they are reporting a debt they do not own on my credit report. This needs to be removed from my report immediately or further action will be taken.

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 2020-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Hello, I am trying to refinance my first mortgage and shellpoint mortgage services has my second mortgage. I need to subordinate the second so i can refinance my first. I along with my lender and title company have been trying to get a hold of someone to get us the subordination requirements and steps that need to be taken. Every time we call and get transferred to the subordination department it is a voicemail and we leave our contact info but no one ever call us. The same with the email. We have sent many requests via email with no reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Good Afternoon, We XXXX and XXXX XXXX have tried unsuccessfully to come to a resolution in order not to lose our home. We have been in close communication with SPS explaining why our mortgage fell behind but we are still receiving letters indicating there are no available options to assist us. XXXX XXXX has been gravely ill over the past few years and I have attached his medical records showing the dates of all of his medical conditions. ( XXXX XXXX XXXX/XXXX  XXXX XXXX ) I have also attached a letter of hardship to this complaint which explains more in detail. We were placed on a forbearance agreement in which I XXXX XXXX XXXX worked very hard to make all of the required payments up until XX/XX/2019 which is when my mother passed and I had to utilize all available funds including my mortgage payment in XXXX to attend my Mother 's funeral. I have also attached a copy of my Mother 's Obituary that includes the date of her passing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I've been trying to understand why my report have so many hard inquiries that I did not make. I have not tried to take out a loan, get a new credit card or put myself in a situation that would make my credit report have so many inquiries on it. I also realize that there have been duplicate inquiries on my report from XXXX   XXXX or XXXX XXXX. This inquiry occurred on XX/XX/XXXX. I contacted the creditor and they could not confirm anything. 

I also contacted the following creditors and they could not verify that it was me who authorize such inquiries : XXXX XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX/XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Bank Dept Of Ed Inquiry from XX/XX/XXXX Government XXXX/XXXX  Inquiry from XX/XX/XXXX Bank  XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX Finance Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 
The inclusion of these inquiry does not comply with federal law. You are obligated to remove the offending inquiries.

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