vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I checked my XXXX XXXX account in XXXX when the inquiry was made to open the account and told them it was not me I was told that no account was opened and I caught it on time but XXXX XXXX XXXX still let the account become opened and I'm just finding out in XXXX XXXX that it's open for collection after they told me in XXXX that I was ok and that no account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I have no idea what this debt is from. It says XXXX, but I have never had any XXXX products in my name.I did nothing credit related in 2017 and that's when it says it was reported. I already disputed it on my credit report, and the response was just " verified, it is your account '' but how did they verify it? I didn't get any notice or anything. No explanation at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
After 20 years as a customer, I got a letter saying on XX/XX/XXXX they will be closing my account, what they didnt tell me was that they froze my account on XX/XX/XXXX and they are processing my closing account, really XXXX weeks and it s still processing, that money I wanted for my wedding, its not much but its still over XXXX and I have talked to everyone and I get the same runaround processing, you dont do that to people, I just want my money back

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 2019-09-13 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: Simon's Agency, Inc.
State: NY

Complaint narrative:
On XXXX I found an error on my credit report from Simons Agency in XXXX, New York. It was for {$150.00} and when I called they explained that they were a collection agency who was handling a balance due on an Ambulance ride for another member of the household. I was surprised to learn that the amount due was sent to the collection agency in my name, especially since I received no bills or notices ( or personal contact ) that the account was being turned over for collection. After speaking to Simons they told me the bill was generated from XXXX XXXX XXXX. I phoned XXXX XXXX and they confirmed that the service was not for me. They said that a second party handles all their billing and referred me to XXXX XXXX at XXXX. They also confirmed that the service and billing should not have been made in my name and it was an error. They couldn't explain why the bill was generated in my name and sent to collections in my name but said it was erroneous and shouldn't have happened. I asked how I would get this removed from my credit report and she said that they would take care of updating the credit report and it would probably take a week. I didn't know if this was true so I am submitting this complaint on my behalf to ensure that they do remove this mistaken reporting from my credit record. I was more than willing to cover the balance due and paid XXXX XXXX XXXX directly. Thank you for your assistance in clearing this erroneous report on my credit record. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I just checked my credit report for the first time in many years, because I knew I had some negatives that needed my attention, I have paid off a few already, but this one is still showing up on my report even though the balance is XXXX. I was lead to believe it would be removed from my report all together. 

The balance has always been XXXX, with no late payments according to the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I just checked my credit report for the first time in many years, because I knew I had some negatives that needed my attention, I have paid off a few already, but this one is still showing up on my report even though the balance is XXXX. I was lead to believe it would be removed from my report all together. 

The balance has always been XXXX, with no late payments according to the report.

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 2019-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I found concert tickets on sale on XXXX events and communicated with the seller through XXXX XXXX. They asked me to pay through friends and family on PayPal. I sent {$120.00} to XXXX and they kept stalling and saying the tickets would not send through XXXX or email so I reached out to PayPal while the transaction was pending and said do not release the money that it was becoming clear this was a scam. PayPal sent the money and I opened a dispute and they have already closed the dispute. This is not right. PayPal promises 24 hour surveillance and I communicated with them before the money was released. They claim to be concerned with our security yet they ignored my live chats and disregarded my pleas. I thought PayPal was trustworthy. Thats the only reason I felt safe sending the money. Ive never used PayPal before and was told by my Aunt that PayPal ensures safety of transactions. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I had a Chase Secure Checking account and discovered fraud on my account this week. I immediately notified my bank on Wednesday morning, XX/XX/XXXX, and they recommended to me that we close the account and I go into the branch and open a new account. I did as instructed and spoke with a relationship manager who then opened my new account and ordered a debit card. We moved the funds over to the new account and that was that. I have yet to receive confirmation of my new debit card being shipped yesterday or today so I call the bank today, XX/XX/XXXX, and they tell me that due to a review of my account they are closing it with no further communication or explanation. It makes no sense and they refuse to help or to give me the chance to push for a second chance with them. The lack of detailed communication is further infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: DE

Complaint narrative:
In XXXX, unfortunately I had no choice but to file for bankruptcy. All of my creditors were included in the filing including XXXX   XXXX XXXX XXXX. At the time I filed, I owed a principal balance and years of interest charges and late fees. Since the filing and discharge in XXXX, XXXX has continued to report the account negatively on the credit report and refuses to remove the debt from my Experian credit report. I have filed disputes through Experian that no one researches. The dispute is resolved each time by robotics within seconds of me hitting submit on the dispute. I really dont know what to do at this point. Please help. I filed chapter XXXX bankruptcy and was punished for my past credit mistakes but this account continues to unfairly be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: OH

Complaint narrative:
Attempted to temporarily lift credit freeze with Equifax, Could not access my account even though I had all the correct information. 
They locked my account despite changing password etc. spent XXXX hour on phone with them and was told I had to wait another XXXX hours as they unlocked the account. I needed to get it unlocked immediately. We would not have to have credit freeze on account if it Company would have kept out information secure and now we can not access it. Something needs to be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
A few years back, I only had XXXX checking and XXXX savings account with Bank of America. Additonally, I had my mortgage with BofA. At that time my relationship with them allowed me to open up another checking and savings account at no additional cost. I didn't think I needed them, but they suggested that because it was no additional cost it would give me flexibility to manage my monthly expenses. Since it didn't cost anything additional, I didn't see the harm in it. Well, BofA sold my mortgage to another company and they have since changed their tiering and fee structure. Now, I'm getting fees on those additional accounts. I've spoken with mulitple reps trying to ensure that I don't get additional fees, but the fees keep popping on different accounts. Also, asked for a refund to no avail. What they have done is a clear violation of the Unfair Deceptive Abusive Acts and Practices statute. This is exactly the same thing that XXXX XXXX was guilty of and the CFPB should investigate the number of other accounts where this is happening.

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 2019-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: MI

Complaint narrative:
ERC contacted XX/XX/XXXX two times in a row and XX/XX/XXXX 2x as welll in a row on behalf oh XXXX Debt was for XXXX. I explained multiple times I was XXXX and dont have means to pay they were abusive and harassed me about getting the money and paying it and wont stop calling until I paid it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: GA

Complaint narrative:
When I originally applied for the loan at Republic Finance, in XXXX, GA, on the application it asked and I wrote, that I did not want to be contacted at my place of employment regarding the loan or any additional offers from that company. Despite my written notification I am constantly called at my place of employment regarding my loan. Sometimes on a daily basis and at least XXXX times a day. The repetitive calls from them obviously implies to my employer and coworkers that its regarding a debt. 

Ive always notified Republic Finance in XXXX, GA, that I would be paying late and Ive always notified the company of my estimated late payment date. In addition, when Ive paid my monthly payment late, Ive always paid the penalty late fee. But despite my efforts, the company has continued to call my job and harass me at work even when notified that I will be making a late payment and paying the late fee. 

I have notified them verbally ( over the phone ) on XXXX separate occasions not to contact me at work. The company ignores my notifications and continues to call my work number. Theyve used the excuse that the person contacting me at work is either a new employee or was not aware of my request to not be contacted at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I Recently had all of My american Express cards put under review and subsequently shut down. I have been using American Express for almost 10 years and was never once late on payment and had an impeccable track record. They closed me down because my income did not justify my spending. Although I do not agree, it is their right to do as they wish. They had issued all of the points in my accounts from statements that have closed, however there were XXXX points that were from the most recent statement that has not yet closed that they confiscated. Attached is a picture of my American Express points account from XX/XX/19 at XXXX XXXX XXXX. I called them to try to have them redeemed and they said they can not redeem them being that the account is closed. In addition I have 2 XXXX XXXX cards that also had open statements and the points were discarded. The last time I received XXXX XXXX was XX/XX/19. The spend since then was {$25000.00} which would be XXXX points that should of been rewarded to me. This is justified spending that i did and these points belong to me. Each amex point is worth XXXX cents and each marriot point is worth XXXX cents which is a total value of {$5800.00}. It is unfair how how large company like American Express could take advantage of a young hard working man trying to feed a family and confiscate such a large value unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I went with my boyfriend XX/XX/2019 to look at cars at XXXX XXXX in XXXX, Kentucky. I told the employee that I did not want my credit ran multiple times and he assured me that it would only be ran once. I get my yearly credit report and see that he ran my credit 5 times on transunion and once on equifax. I did NOT consent to this and it is incredibly against what I told the man. If I had known he would have ran my credit this many times I would have left and not even gotten that far.

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 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I went with my boyfriend XX/XX/2019 to look at cars at XXXX XXXX in XXXX, Kentucky. I told the employee that I did not want my credit ran multiple times and he assured me that it would only be ran once. I get my yearly credit report and see that he ran my credit 5 times on transunion and once on equifax. I did NOT consent to this and it is incredibly against what I told the man. If I had known he would have ran my credit this many times I would have left and not even gotten that far.

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 2019-09-13 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: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
Hello- Last year I was struggling financially. In XX/XX/2018 I applied for a mortgage modification. In XX/XX/2018 I received a letter from an attorney stating that my home was in foreclosure process. NOT THAT IT WAS IN FORECLOSURE but that the process had started and that was my notification of what was happening. I was very confused because the mortgage modification was supposed to help me. 

I wrote the attorney and asked for an explanation and disputed the debt because of the modification. They responded and said that the file was " on hold '' due to the modification process. 

Fast forward a few months and I made my trial payments on time. I get approved for the final modification but the attorney is saying the Mortgage company told them to keep the file open. The file is not closed but rather open and I am being reported as foreclosure to the credit bureaus. ( See Attachment from XXXX ) XXXX is reporting me as having a foreclosure. 

The FACT is that I NEVER went to the FORECLOSURE process. I tried to fix my situation before it got to that point. I am not disputing I had trouble paying my mortagage but I tried to remedy the situation and I am being penalized. 

I was told by a XXXX representative XXXX XXXX that once the modification went through the loan would be reporting as current and that it would never say foreclosure. I was also told that it might even erase some of the late payments dating back to when I started making the trial payments. I never was scheduled for a sheriff 's sale or even given a date. 

Attachements are letter from attorney and chase letter declining me from a business credit card. 

As an XXXX who is a XXXX I want to be given a fair shot and I think that this is a violation of the Fair Credit Reporting Act.

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 2019-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX contacted XX/XX/XXXX XXXX times in a row and XX/XX/XXXX XXXX as welll in a row on behalf oh kohl Debt was for XXXX. I explained multiple times I was XXXX and dont have means to pay they were abusive and harassed me about getting the money and paying it and wont stop calling until I paid it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: TX

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed eleven ( 11 ) credit inquiries that I find to be problematic. 

The inquiries in question are as follows : XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX   XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX / XXXX Inquiry : XX/XX/XXXXXXXX XXXX / XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Please investigate these inquiries at your earliest possible convenience, Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter, XXXX 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 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
My second mortgage was purchased by Lakeview Loan Servicing in XX/XX/2019. This is a down payment assistance loan that initially started out at XXXX. When the loan transferred to Lakeview Loan Servicing the balance on my loan reset to XXXX and my additional principal payments were applied to interested. The servicing company also attached an escrow and charged me $ 1300+ for 1 month. This issue was rectified due to a complaint that I filed. I've called multiple times with no resolution and receive a different answer each time. XXXX XXXX is servicing the loan and will not assist with correcting the issue. They keep telling me that this is an interest only loan and any additional payment made will go towards interest. This company is stealing my money and misleading how they apply payments. My closing attorney and bank stated that I can make payments to this loan. They also reviewed the note. 

Old Account ( before transfer ) - XXXX New Account ( after transfer ) - XXXX Both accounts were serviced by XXXX 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