vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I contacted Wells Fargo because I initiated a XXXX transfer to a friend of mine. When my friend received the text confirmation, it was telling her that it was being sent to a XXXX XXXX that she didnt have anymore. When she contacted XXXX XXXX, she was told that her account was inactive and in order for her to open the account she had to make a deposit. XXXX XXXX is n't available in California, so she was unable to reactive her account. Her and I got on the phone with Wells Fargo, and we initiated a dispute due to the fact that the transfer was showing that it was going to a XXXX XXXX account ( apparently she had an old account that was attached to her phone number so when i entered hr phone number to send her money, it went to XXXX ) We opened the dispute and now we are being told that the dispute is n't in my favor because it shows that it was deposited. If Wells Fargo contacted XXXX XXXX they would of found out that the account the money is being sent to is n't active anymore and the dispute would go in our favor The amount of the transaction is XXXX made on XXXX. We resubmitted a second transaction of XXXX through XXXX ( due to the fact that it was a rent payment ) and it went through correctly the second time.

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 2017-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX my employer has sent {$120.00} through XXXX XXXX using my email address. 
XXXX supposes to be credited to my personal account with Bank of America. Unfortunately, I was never notified that the transfer had happened, and when I 've checked the money had not arrived. At first, I 've emailed to my employer to find out why did n't I receive that sum. In response, my employer provided me with confirmation of the transfer. I called my Bank asking where is money, but they said that XXXX needs to file up a claim to find out what happened. XXXX filed up the claim with Bank of America and discovered that my money went to the different account with my email address, meaning someone else who has an account with Bank of America registered my email address and the money was accepted by that account holder. I am disappointed because the service was not performed correctly and on the top of everything someone registered and used my personal data. In this obvious fraudulent case, Bank of America cited privacy/data protection laws and refused to tell me how was that account holder, who accepted my money. As a result, I could n't ask him/her for what 's truly mine. 

Then I 've sent an email to the Senior Claim Analyst at Bank of America asking to solve this problem, but the lady mailed me back saying that I need to contact initiating financial institution and so on ... Until now this problem is unsolved and Bank of America does n't seem to care. 


I look forward to your reply and hopefully a resolution of my problem.

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 2017-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I justified recently received a copy of my equifax credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX XXXX. I would like to have my historical payment history report. Some accounts are XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I justified recently received a copy of my XXXX credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX 2017. I would like to have my historical payment history report. Some accounts are XXXX/ XXXX/XXXX XXXX/XXXX/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 2017-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I justified recently received a copy of my XXXX credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX 2017. I would like to have my historical payment history report. Some accounts are XXXX/ XXXX/XXXX XXXX/XXXX/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 2017-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have previously disputed this account with all 3 bureaus and while XXXX and XXXX deleted it, TransUnion continues to report it without having legally verified it. I 'm well aware of my rights and this includes knowing that TransUnion can not call the company. Their response was that they called this collection agency and it was verified. I 'm well-versed in the FCRA regulations and know for a fact that a phone call is NOT, in any state, legal verification. Seeing my name on a screen is not possessing the physical documentation. They are not allowed to just repeat to me what was said during this phone call and must perform an independent investigation, obtain the actual documentation and forward it to me. There 's NO PROOF of ownership and if this is how they " verify '' accounts, then that means I can claim that anyone, including the person reading this complaint, owes me {$100.00}. Or {$5000.00} or {$500000.00} for that matter. 

Directly from my dispute : I would like for you send me the paperwork with my signature on it for this XXXX XXXX XXXX XXXX. Im aware that legal verification is required to keep a disputed item on my credit report, and that calling the company to find out if this account is mine does not pass for legal verification. In XXXX XXXX TRANSUNION XXXX, Congress states that the burden of proof is on the bureaus and creditors not the consumer. Having said that, you can not keep this collection on my credit without the required paperwork that follows the account. Id done my research and have not only read through lawsuits, but Ive also poured through testimony from ex-personnel from the credit bureaus. These people testified to the fact that the CRAs are required to have the paperwork verifying the accounts prior to even reporting them! So, if youre required to possess this paperwork, then it should be very easy for you to send it to me. If youd had any paperwork, you would not have called this company to verify. You are not at all allowed to parrot what the creditor has told you, because seeing my name on a screen does not pass for legal verification.

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 2017-11-15 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: Ditech Financial LLC
State: FL

Complaint narrative:
I am in a Federally Declared Disaster Area hit by Hurricane XXXX on XXXX XXXX, 2017. My loan serviced at the time, Ditech, told me I qualified for a forbearance because my loan was current and was backed by XXXX XXXX. I was told not to make the next 3 payments and they would be added to the end of my loan, and it would NOT affect my credit. Ditech then sent me delinquent notices, transferred my loan to another company AND REPORTED ME AS 30 DAYS PAST DUE TO THE CREDIT BUREAUS!! My credit score fell 22 points in 1 month because of this!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a senior citizen and banking customer for 25 years, I have had my credit card in question for over 15 years without ever any issues. I also maintain an XXXX point credit score. This means nothing to the bank they cancelled my card without any notice, They did say they sent me a notice but I never received one they could have emailed a notice or alert or posted it in my online banking site for me before closing this account. They told me now they could not reinstate it after my request and want me to reapply for a new one, which I refuse to do. I place the blame on the Bank for never notifying me any way by email or through my online banking notice or regular mail. So after not notifying me they just canceled my card. The customer service is very unsatisfactory bellow par and my bank has thrown me out after many years of me being a loyal customer mortgage holder and credit card holder. I am not going to reapply for a new card like I am a new customer. I want my card reinstated or send me a new one with a new number but I 'm not reapplying for a card I owned for 15 years. I will apply at another bank before I do that. 

On XX/XX/17 they sent me an email reply to my complaint as follows Hello XXXX XXXX XXXX Thank you for contacting Regulatory Complaints department of Bank of America. As your Resolution Specialist, I  welcome the opportunity to address your concerns. 

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this email is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are M-F from XXXX to XXXX Central. 
I appreciate you taking the time to bring this matter to my attention. I look forward to assisting you. 
Thank you, XXXX XXXX Resolution Specialist Bank of America Regulatory Complaints Department XXXX EXT XXXX XXXX XXXXXXXX This number they left to call was unreachable from my calling area when I tried to call it so after more complaints they telephoned and left a message with a different number t to call that would only go to a voicemail that they never returned any messages. 

I was told this matter is closed now and they will not reinstate my card and I am not going to reapply for a card I held for 15 years with never an issue because they closed it. If they reinstate my card and send me a new one I will be satisfied. Now I want to close all my accounts and use a bank that appreciates there customers after a 25 year relationship, and can admit it was there mistake and correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Regarding case # XXXX Hi, on XX/XX/XXXX I have transferred an amount to Coinbase.  After several days this amount still was n't processed. I have contacted them through their customer support. The reply I got was that the name/account did n't correspond with their account details and thus, the money was supposedly returned to my bank account. After a week the money still was n't returned and I started to send messages to follow up this matter. A very late response ( after a week ), they needed my details to investigate the matter. 

Each reply I got from Coinbase it took several days. I almost immediate responded, but then the response kept being longer and longer. The attachment I enclosed is the proof. 

It 's been almost 2 months now and the money still have n't returned. Their last reply was from 2 weeks ago. this casenumber XXXX as stated above is from Coinbase itself. There they find ALL the details of the transaction. I ca n't imagine any professional company that holds onto other people 's money for such a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in a Federally Declared Disaster Area hit by Hurricane XXXX on XXXX XXXX, 2017. My loan serviced at the time, XXXX, told me I qualified for a forbearance because my loan was current and was backed by XXXX XXXX. I was told not to make the next 3 payments and they would be added to the end of my loan, and it would NOT affect my credit. XXXX then sent me delinquent notices, transferred my loan to another company AND REPORTED ME AS 30 DAYS PAST DUE TO THE CREDIT BUREAUS!! My credit score fell 22 points in 1 month because of this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP

Complaint narrative:
During my tour in XXXX I had several issues with XXXX XXXX housing. The move out charges that are quite expensive and often lowered once they are confronted about the discrepancy of their claim. In XXXX, I paid this move out fee, with email confirmation from a representative from the housing office confirming that we were paid in full. I also have the bank statement showing the money was paid. During the month of XXXX to XXXX I started receiving letters from a law firm requesting that I pay my debt to XXXX XXXX housing. They claim that I owed {$250.00} but provided no justification to my debt. I was unable to contact the law firm and every attempt to reach out to XXXX XXXX housing was met with silence. I did reach out to a community service rep from XXXX XXXX XXXX who claimed that she forwarded my email to the higher office but I never received any further correspondence. I sought out assistance from the legal assistance office here in XXXX who has also been unable to contact the collection firm or the housing office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I purchased a used vehicle at XXXX autos XXXX XXXX it was a XXXX XXXX XXXX Ex about XXXX miles on it. The actual price was {$2000.00} after everything it came to {$6100.00} i thought that was a bit much but i really needed a car i was working 2 jobs at that time i was making my payments on time never missed one payment then the car keep giving me problems i spent about XXXX on repairs from the day i brought the car it was in and out of the shop i even try to return the car the dealer said i could n't so eventually the car broke down barely last me 4 months so i told them to come get their piece of garbage because im not wasting another dime he told me if i did n't make the payments he will take me to court ive been waiting ever since but because of that its effecting my credit very bad. Please help.

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 2017-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Ive been charged XXXX dollars in the pass 5 days for nsf fees, thats from no fault of my own. Yet my acct still has money in it. Chase customer care said they only wave overdraft fees 3 times in a 12 month cycle. Im not a wealthy person. I work hard for my money .and chase seems to have found away to take it. XXXX XXXX I was charged XXXX. For overdraft fees XXXX XXXX I was charged XXXX for fees XXXX XXXX the same. Ive spoke with the bank several times and has gotten no where.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reported a credit account, XXXX XXXX, on my credit report to Equifax for identity theft on XXXX XXXX, XXXX. I faxed the identity theft report, my driver 's license and social security card, my statement to remove or block the account from my credit report and a copy of the FCRA. I attached these documents to an email that was sent to me by XXXX. According to the FCRA 605 ( b ) the account should be removed/blocked within 4 days of receipt of the identity theft report. It was not removed in that timing. On XXXX XXXX, XXXX I spoke with XXXX XXXX and she confirmed that all documents including identity theft report was received and advised me the account XXXX XXXX was removed then and it takes 24 hours to update. I checked my credit report again on XXXX XXXX, XXXX and spoke to XXXX again and now he said they did not accept my identity theft report and put it in dispute which I did n't request Equifax to do. I did n't receive any written notification in 4 or 5 days of the identity theft XXXX and XXXX XXXX began to tell me they can deny but fail to explain why or send any letter saying such and that he was the highest level of management and nothing else can be done. I talked to XXXX XXXX once again on XXXX XXXX, XXXX and I was informed by the representative that she was sending to their special Handling team in regards to my identity theft report so the account could be removed. I checked my credit report again on XXXX XXXX, XXXX and it still shows in dispute which I did not request. I called Equifax again and spoke with XXXX XXXX and she did n't want to look at notes what was previously stated and kept stating that she was the highest level of management and refused to look into the matter. I asked for corporate information to contact management that 's over that department she refused to give the information and again stated she is the highest level of management and disconnect the call. I checked my credit report this morning and now they have removed the dispute and put in the comments voluntary repossession. Which everytime you talk to Consumer Affairs about an account my information is being reported negative and incorrect. This has been very frustrating and they have violated FCRA and refuse to go by what is required. This has hurt my credit tremendously because they are falsely reporting information and proper documents have been given. I am at my last attempt to get this resolved and have Equifax to do what is right and stop updating my credit report incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Prior to the date of XXXX XXXX, XXXX, myself and Navient came to an agreement for all of my loans for a monthly payment in order to avoid any of them going into delinquency. Prior to this call I had attempted to make numerous payments to them which went on for months with which they would not accept. They stated for me to wait for the documents in the mail that I would need to sign off on them and then send them back in order to finalize our agreement. I waited for the documents and then when I did not receive them I called the company to reassure that they had sent them out. The representative stated that they do not send documents in the mail and that the account is now in delinquency status and that I was late on a payment following our agreement. I then stated that the previous amounts had been agreed to be forgiven and that they were going to start from scratch with me beginning in XXXX, but that I was supposed to be receiving the documents. I never received the documents and they stated that not all loans are going to be brought out of delinquency status. I stated that I was in school getting my XXXX XXXX XXXX and that I had been accepted into the doctoral program and I asked if they defer me further. I asked for a full investigation into this matter and for all phone calls that I have ever had with Navient to be fully investigated. They then stated that they went back to several dates and that they had determined that they agreed on a fixed amount per month for one loan, but not all loans, and that they had not stated that they were willing to start from scratch with me in order for me to be able to make payments based on what I had experienced with them in terms of trying to make payments and them stating that they would not accept it. One stated to me that they would not tell their employees to say that they would not accept a payment. They stated that I had some how used up my deferment status. I feel like one person against those that run this business that have incredibly deep pockets and that they are taking advantage of the fact that they have the ability to not have to live up to par with the law. Lastly, I received a call from them for a payment and it turned out that my father stated that he had a payment and they too had stated that they had not received a payment and my father was correct that he had paid on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: Continental Finance Company, LLC
State: TN

Complaint narrative:
Hello, it appears that someone has opened an account in my name. The company is called Contential Finance. The card is called the XXXX card. I need this removed from my credit report as it is not mine.

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