vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Financial
State: NC

Complaint narrative:
I do not recognize the debt the collection agency is attempting to say that I owe. The dates they are saying I owe is incorrect and I did not take out a loan with the company they're saying I did. 

I have requested on XX/XX/2019 that they provide written proof of the debt, then again on XX/XX/2019. One of their representatives reached out to my father and stated that if I did not take care of the debt a bench warrant will be issued and I will be arrested. 

The representatives I have dealt with leave verbally abusive voicemails stating they are coming to my job to serve me, have yelled " XXXX XXXX will you give me your email!? ", etc. 

I have requested several times via phone and email that they provide proof of this debt and they refuse yet they continue to contact me. 

On XX/XX/2019 I received 8 back to back calls from one of their representatives,, I could not answer because I was at work. When I hit " ignore '' the individual proceeded to leave a voicemail and call right back numerous times putting my job at jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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:
three inaccurate and fraud accounts have bee reporting under my equifax credit reports, these i have been disputing them for the longest times, XXXX XXXX i never had any accounts with them XXXX XXXX, i have XXXX and as it appears this is a fraud collection agency, so as you can see these accounts are total inaccurate and fraud accounts under my name, please help me to remove these inaccuracies from my equifax credit reports only., than k you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
three inaccurate and fraud accounts have bee reporting under my XXXX credit reports, these i have been disputing them for the longest times, ally fin i never had any accounts with them XXXX XXXX, i have XXXX and as it appears this is a fraud collection agency, so as you can see these accounts are total inaccurate and fraud accounts under my name, please help me to remove these inaccuracies from my XXXX credit reports only., than k you for your cooperation

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 2019-05-20 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: GA

Complaint narrative:
XXXX  XXXX XXXX XXXX conducted a hard inquiry on my credit report. Equifax states I need to contact XXXX XXXX XXXX XXXX to initiate the dispute. With a letter from them, I would then submit it to Equifax in order to remove the inquiry. 

This process leaves the power of an institution to make a mistake and removes my ability to have any effect on my credit file. As I have no relationship with this institution they may be less interested in providing me a letter which can lead to an inordinately lengthy resolution, if one can be attained at all. 

This is a problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: WI

Complaint narrative:
I canceled my XXXX XXXX, XXXX service in XX/XX/2018. XXXX XXXX was unable to provide me service for over 2 weeks prior to cancellation. All bills including the bill through XXXX were paid in full and on time. XXXX, XXXX XXXX, billed me for a service period extending to late XX/XX/2018 XXXX {$200.00} ) which I did not pay. I made numerous calls to XXXX to resolve the billing error, the result each time ( after extended review ) was that I did not owe this bill and was due a refund for the period of non-service in XXXX. These calls went all the way to the Presidents office, always the correction was being processed and could take 60 days to clear their error. 4 months ago a collection company contacted me and again I reviewed the error. 2 months ago a second collection company contacted me and I again reviewed the error and was told they would correct the problem. 10 days later I was contacted again by the same agency that claimed no knowledge of the previous discussion. They were aggressive, I told them that I had made numerous attempts to correct the company 's error and not to contact me again. Now they have filed a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On XX/XX/19 I applied on-line for quicken loan FHA Refinance. As today we still do NOT have a closing date scheduled. 

They have been saying that for the last 60 days that we close in 3 to 5 business days. But quicken never sets a closing date!!! 

I have spent more {$17000.00} on repairs, fees, and pay downs and I have No new loan????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: OH

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 15, 16 and 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/2019, Bank of America presented me with an offer to open a new checking account. The offer promised a {$300.00} bonus for opening the checking account and completing certain activities. Bank of America presented the offer to me after I logged in to view my Bank of America credit card details. I have screen shots of the offer appearing on my account summary screen, as well as details of the offer terms. 

On XX/XX/2019, I opened a checking account on Bank of America 's website using the bonus offer link provided. I subsequently complied with the bonus offer terms - completing the required direct deposits and waiting the requisite amount of time for the bonus to post to my account. 

After complying with all of the bonus offer conditions, I contacted Bank of America on multiple occasions to determine why the bonus payment had not been posted to my account. Most attempts to contact the bank resulted in no definitive response, as the representatives were unable to provide an answer. On XX/XX/2019, I contacted Bank of America again regarding the bonus and was told that I was not eligible to receive the bonus because I did not received an email or mail piece targeting me for the offer. I explained to the bank that I was targeted for the offer on the bank 's website, but was told that I would not be eligible for the offer based on that solicitation. 

I believe that I am entitled to receive the {$300.00} bonus offered to me. I was targeted for the offer on the bank 's website ( after logging in ) and complied with all of the offer 's terms. The bank 's excuse that I was not targeted for the offer via email or mail is not a valid justification for its failure to comply with the offer that was presented to me by the bank on its website.

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 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have a checking and saving account opened in the XXXX, XXXX, PA area PNC bank. I no longer live in the area but do transfer from time to time to make my account active. 

However, when I am trying to log on my account on XX/XX/XXXX, I found out that my account was closed. I called the bank and they said that it is due to inactivity. They did more research and cal me on XX/XX/XXXX and said that online transfer does not count as activity, so my account is escheated to the state of Pennsylvania. They claimed that were trying to reach me couple time later but I have never receive any mail, call nor email. Also, when I open my account, the representative never told me that the online transfer is not count as activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: Sterling Infosystems Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX, Sterling talent solution   performed a background search on me for employment, and the information they responded back with was very inaccurate! I provided correct phone numbers for former employers, they searched other employers phone number and applied wrong information to wrong employers, this made discrepancy in my application, which made employers I applied for hesitant on hiring me only because of these discrepancy.

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 2019-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on the XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 15, 16 and 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-20 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: Verisk Analytics Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX gave totally wrong payment history, credit rate, etc. It's like they were reporting a totally different person using my name. 
I've never had late or missed payments on anything in my 74 years! 
My credit has been perfect. But to see what they reported to an auto insurance ( XXXX ) company was down right slanderous! I wasn't looking for an ins company but somehow my info, address, etc was given to them and they sent the ( rejection ) report to me and I just received it today to find out that my once excellent credit is in the dumpster because of the lies reported on me and my payment history - not one thing on it was true! 
It's like that fraudulent thing they have on the net about " type in a name and get info '' - you'd not believe how many people they have as me on there and not one even comes close to me except my location & age on two of them. Don't know where these people get this stuff from but they are ruining lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I initiated a credit card balance transfer with XXXX XXXX to pay off a XXXX XXXX credit card and to take advantage of XXXX 's 0 % transfer offer. 

I completed the transfer request on XX/XX/2019 and the transfer amount of {$7400.00} was charged to my XXXX XXXX account on XX/XX/2019. 

As of today, XX/XX/2019, the transfer has not been received by XXXX XXXX. 

Repeated email and telephone requests for resolution to XXXX XXXX have been met with boilerplate emails and vague, scripted telephone responses. 

I am currently showing a {$7400.00} debit to my XXXX XXXX account and no offsetting credit to my XXXX XXXX account. XXXX XXXX is treating this issue as a " disputed transaction ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Struggling to pay mortgage Hello cfpb -- I submitted the above complaint. TD Bank did respond by sending our attorney a waiver in lieu of foreclosure releasing us from all liability. We signed the paperwork and returned it in a timely manner, but then received a letter that it would take " some time to do a revised deed search '' for the Bank to sign and return the papers to us. We have not heard from them. In addition, we've received a bill from the Bank for over {$32000.00}. This is so much stress on our family, especially with our daughter so ill. Please help us. Thank you. I'm at XXXX, XXXX and our attorney is XXXX XXXX. His contact information ind on our first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have contacted both Portfolio recovery and XXXX about debt they say I owe. have ask for proof many times and have yet to receive any form of proof of debt. This is on my credit report I have desputed this several times over last two years. Last date was on XX/XX/2019. With XXXX XXXX, they responded this was verified. Have ask for said proof several times with no results. This account number is XXXX Portfolio Recovery. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I was scammed by people claiming to be from the SSA. I filed a police report and also called Chase and XXXX XXXX to see what I could do. Every individual I spoke with had different answers as to what could be done so I called the chase fraud hotline, wire research team, dispute line, XXXX XXXX dispute line, etc. 

I suspended the account in hopes that it would freeze the pending transaction leaving my account. I also tried to flag the wire transfer with XXXX XXXX. 

XX/XX/XXXX XXXX I was at Chase and they informed me the money had already left. I provided them all the proof of the scam, phone records of the calls, text message conversations, fraudulent documentation from the scammer as well as my police claim. Chase attempted to freeze the amounts but were unable to without an investigation. They opened a claim for my internal funds transfer and they attempted to contact the wire team but were closed on the weekend. Chase also has to email me a hold harmless form so that the police can investigate my bank accounts for their case. 

I went to XXXX XXXX and notified them in person. XXXX XXXX called their fraud department and informed me I had to get a wire recall initiated from chase which I could only do on Monday XXXX PST. 

I then went to the police department to finish my formal interview. The report will he generated by XX/XX/XXXX or so. 

XX/XX/XXXX I called at XXXX to request a wire recall with Chase. They opened the case and gave me a confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: NC

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am in Collections, and 120 days or more past due, on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 17 and 18 of the attached credit report. I have rehabilitated these accounts and I am no longer in collection status. Also attached are copies of my bank statements reflecting these payments in accordance with my agreement for the rehabilitation program. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Current account with Flagship still open this account should be close already.

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 2019-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seattle Service Bureau, Inc
State: VA

Complaint narrative:
I received a call from XXXX XXXX on XX/XX/19 from XXXX XXXX XXXX, he advised me that he was collecting on behalf of XXXX XXXX XXXX XXXX to recoup/collect XXXX as a result of claiming that I didn't have auto insurance and hit XXXX XXXX 's driver. I had auto Creditor Placed Insurance on the vehicle by XXXX thought XXXX XXXX XXXX. Their letters do not specify what type of insurance was required. I was asked to provide proof of insurance in which I did. I was advised that he would have my license suspended and tags revoked. I requested proof of debt and have yet to receive this information. I requested information to appeal and/or dispute with XXXX XXXX and he advised me that I have no legal recourse or option to appeal. I called XXXX XXXX again on XX/XX/19 to discuss the concern of my license being suspended per his threat. He then suggested that I contact XXXX XXXX directly to discuss the concerns with them and advised that they may withdraw to continue collections. On XX/XX/2019, I mailed a letter to XXXX XXXX XXXX and XXXX XXXX XXXX to advise them to cease and desist. I submitted a letter of appeal with proof that I had insurance in addition to showing that their insured driver hit my car. I didn't strike their car. KY and VA is a no fault state. My insurance was through XXXX XXXX XXXX. My insurance paid for my car 's damages caused by their driver, and XXXX XXXX paid for their insured 's damages. I've provided the same proof of insurance to the police with no ticket or penalty. I am working on an assignment here in XXXX, XXXX yet my license is from XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: NC

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am in Collections, and 120 days or more past due, on the DP OF EDUC accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 17 and 18 of the attached credit report. I have rehabilitated these accounts and I am no longer in collection status. Also attached are copies of my bank statements reflecting these payments in accordance with my agreement for the rehabilitation program. This incorrect reporting is harming my credit score.

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 2019-05-20 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: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
There are scores of complaints and lawsuits against Caliber Home Mortgages for the same practice of stalling requests for loan mods, especially with houses like ours which had significant equity still and could be sold by the financial institution for a profit. 

We are a senior couple who has a file over 200 pages thick, detailing our never-ending effort to get a loan modification, while we were in the process of selling our house. Often, on the same day we would get two letters, with the same date : one saying they had what they needed to process our loan mod, the other saying that they still needed more information. We sent the exact same information several times, but they responded after more than 30 days, so they needed another months ' information. In the middle of this battle, they said we were in foreclosure, and reported this to the credit bureau, although we never received anything from the courts, and the house was sold through traditional methods. This credit blemish has stopped us from purchasing a retirement condo ( we're both XXXX ) and I am wondering if there is a class action suit we could join or if there's another way of getting caliber to reverse their credit bureau report. 

.

Company response to consumer: Closed with explanation