vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPT OF ED XXXX XXXX {$16000.00} XXXX XXXX XXXX {$21000.00}

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 2020-08-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Refinanced a home equity from BOA into a mortgage at XXXX. During the closing we provided all the correct information to XXXX -- at payoff XXXX tried to pay off the home equity with a wire which BOA was not willing to accept so they over night the check to BOA with the correct address. The tracking number indicated that they received it on XX/XX/XXXX. We have called BOA everyday trying to figure out why the payment and payoff was not completed. Customer service kept us on hold for over 90 + minutes. I then called their 800 number to lodge a complaint and was told they could not do anything. So I find myself not being able to complete a complaint ; speaks to the Presidents office and they could not help me. I spoke to XXXX in customer service and a supervisor XXXX XXXX - he asked to transfer me 3 or 4 times to be on hold for 90+ minutes again and all I asked was for a formal complaint to be registered. I have spent over 5 hours trying to talk to someone at BOA to repair this situation and payoff the home equity and it is still not resolved. I am not even sure if they did file a complaint because I have not evidence of this nor did he tell me someone would take care of it. This is unacceptable and feel this is not the manner any bank should operate. This is unacceptable and they have way too many excuses especially for a system conversion that does not have a business continuity plan for instances like the above.

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 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I was contacted in XX/XX/2020 by Credit Control Corp. and informed that I had 43 medical accounts in collections. I explained that these accounts were part of a settled malpractice case and should have been removed from collections. I provided XXXX XXXX with a list highlighting all the accounts I was disputing along with an email from my attorney with his contact info as well as a letter from the insurance company points of contact that would verify that these accounts were in fact not eligible to be collected on. On XX/XX/XXXX I received a follow up call from MsXXXX XXXX where she informed me that they had never encountered a case like this but since my malpractice case had been settled they would not contact my attorney. She went on to say to me " you're just trying to get out of a debt you owe for services that were rendered to you '' She also made comments about how her company was not making any money as long as I wasn't paying these accounts along with other very out of line comments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
I opened my checking account with First Citizens Bank as a result of a promotion they were running. The promotion details included opening a checking and savings account with at least {$50.00} at account opening. Customers would receive {$300.00} as a bonus if they either had {$1000.00} in monthly direct deposits OR had 10 debit card Point of Sale transactions within 90 days of account opening. 

I had 10 point of sale debit card transactions completed by XX/XX/20. The terms stated the bank had 120 days from the time criteria was met to pay the bonus. 120 days from XX/XX/20 is XX/XX/20. There was no bonus posted by that date. I contacted the bank via their website on XX/XX/20 and was not given any assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 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: NJ

Complaint narrative:
There is something seriously wrong with my credit reporting. I have outstanding payment history on all open accounts, yet every 2 weeks my credit score decreases without reason then increases a few days later without reason. Sometimes the increase is lower than the decrease resulting in a slowly lowering credit score. I noticed this happening around XX/XX/2020. Again, these are WITHOUT REASON ( e.g. no past due accounts, no credit usage increase, no missed payments ), so Experian is unable to process my dispute. Examples below. PLEASE HELP ME. 

XX/XX/XXXX - DECREASE by 25 points XX/XX/XXXX - INCREASE by 16 points XX/XX/XXXX - DECREASE by 17 points XX/XX/XXXX - INCREASE by 17 points XX/XX/XXXX - DECREASE by 18 points XX/XX/XXXX - INCREASE by 12 points XX/XX/XXXX - DECREASE by 15 points XX/XX/XXXX - INCREASE by 18 points XX/XX/XXXX - DECREASE by 15 points XX/XX/XXXX - INCREASE by 15 points XX/XX/XXXX - DECREASE by 20 points XX/XX/XXXX - INCREASE by 20 points XX/XX/XXXX - DECREASE by 4 points XX/XX/XXXX - DECREASE by 23 points XX/XX/XXXX - INCREASE by 21 points XX/XX/XXXX - DECREASE by 37 points ( drop from Very Good to Good rating )

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 2020-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
The savings account that I had with Citizens was an overdraft account and linked to my checking account at Citizens. Well because I had some issues making payments it went to a collection agency. the balance I owed was around {$500.00} and the collection agency offered me a XXXX time payment of {$220.00} which would then make the account considered settled and closed. 
So on XX/XX/XXXX I made a payment of {$220.00} to XXXX XXXX XXXX. I went ahead and attached the letter showing the account was settled and paid in full and closed. On my XXXX  credit report it shows under account status that it was paid and closed. Stating account was paid less than full balance and was updated on XX/XX/XXXX. 
For some reason XXXX  is showing that I owe {$690.00} and the status is Collection/Charge-Off, which is incorrect. The last time it was updated was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2020-08-14 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I bought a used car for around {$18000.00} back on XX/XX/XXXX  last year. I've made more than my share of payments and the car is almost paid off despite the lock downs and unemployment. I have never been late on a payment. But Wells Faro Auto decided to change their website insuring that we all would have to start over again. In my case they deleted everything they don't even recognize their own loan number they are that stupid. So w/out a number they recognize I can do nothing I can not even log into my account anymore and there is no way to do so. You can not contact them through phone or email because THEY LOST MY ACCOUNT NUMBER SO THEY WON'T ALLOW ME PAST THEIR ROBOTS! So the ONLY option if XXXX where they promise a quick response. That is yet another lie it took quite some time but someone finally responsed then denied me help WHEN I REFUSED TO POST MY INFO ON XXXX FOR THEM TO LOOK UP! Then they blame me for not providing sensitive private loan info on the world 's worst website! Would you post you info on a Wells Fargo XXXX page? 
They could call me but they are too self centered to even consider such a 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 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: DC

Complaint narrative:
A Commonwealth Financial Services collections account appeared on my credit report a couple of months ago from a XXXX XXXX stay. At no point before the account appeared was I notified of an amount due that wasn't covered by insurance. Upon finding out about the collections account, I contacted Commonwealth for more information on the debt and they gave me the original creditors ( and subsequent client 's ) information. I reached out to my insurer and they researched the account and figured out that the physician 's office had billed incorrectly. They were able to get the claim re-processed and paid as of XX/XX/XXXX. The insurer sent me an Explanation of Benefits and informed me that they were unable to reach the original creditor ( XXXX XXXX XXXX XXXX ) and notify them. I have since reached out to Commonwealth Financial Services and have gotten nothing but the run-around and voicemails, I simply wanted a way to provide them proof of payment directly from my insurer, so that they could delete the records from the three credit bureaus. This is harming me because I now have a scarlet letter on my credit files die to no fault of my own, which had caused a significant drop in my credit score during a very trying time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: AL

Complaint narrative:
My identity has been compromised and leaked by someone I do not know.

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 2020-08-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My identity has been compromised and leaked by someone I do not know.

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 2020-08-14 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:
On my Equifax report I have an item being listed as : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/2017 Original Amount Owed : {$300.00} This item is NOT mine. I have provided my social and DOB to the collection agency and they determined it was an error and that the item belongs to someone else with the same name. 

XXXX XXXX XXXX XXXX ( XXXX ) provided a letter saying they have removed that item and I have included this letter in a dispute to Equifax on three separate occasions. On each dispute Equifax wrongfully determines the item does belong to me. 

Equifax claims they are waiting on XXXX to remove the item ; XXXX claims they have removed it and it us up to Equifax to delete it from my credit report. I have contacted each agency on several occasions and none of them seem to be able to take any further action to remove the item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX authorized online XXXX XXXX XXXX charge {$13.00} to Citi Credit Card. In XX/XX/XXXX, discovered a merchant Id never done business with nor heard was making multiple charges to my card of XXXX. Called Citi Security. They chose to immediately cancel card. Got new card reissued XX/XX/XXXX. Citi decided to deny fraud & transferred unauthorized amount 2 new card, which I refused 2 pay, creating past due status, charging multiple late fees, multiple interests charges & reporting delinquency to credit bureaus, ultimately destroying my creditworthiness & lowering my credit limit line 2 {$800.00}. In XXXX, while very ill & many life altering issues ongoing, my credit card balance was paid 2 stop the bleeding. Ive made many, many calls 2 Citi. Have got most of Late Fees & interest charges reversed. Yesterday I was given & XXXX courtesy credit. But heres the unresolved issue. Ive twice called the company that made multiple charges ( XXXX XXXX XXXX ) to be informed theyve never received a cent from Citi. They closed their account showing fraud under investigation. So I paid full amount 2 Citi who never sent a XXXX to  so-called merchant, yet they cant tell me where the money is & how theyre going 2 get it back to me.

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 2020-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My spouse had passed away on XX/XX/2020, we had a joint bank account with Bank of America however she was the primary account holder. The savings account has {$10000.00} which was supposed to be mailed to me in form of a check. I had filed all the necessary paperwork on XX/XX/2020 and submitted a copy of my spouse death certificate. I was assured by the bank manager XXXX XXXX that the whole process will take about a month. As per today, XX/XX/2020 I had not received any checks or updates from the bank. This branch of Bank of America is located at XXXX XXXX XXXX, XXXX XXXX, NY 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 monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Since XX/XX/2020, I have be attempting to have a Mr. Cooper ( Mortgage provider ) to accurately apply mortgage payments to the home mortgage account. Please see the attached document for a visual picture of the transactions taking place. Even with providing requested documents ( ie receipts ) the account has not been reflected accordingly. The mortgage provider continues to hold funds in an " Unapplied '' status when the bankruptcy attorney has requested the funding to be released to get accurate loan payoff to relocate mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This company has added their information to my credit report and I in fact had NO DEALINGS or NO CONTRACT signed with this company. Please remove from my credit report now or I will be forced to take legal matters! Please remove from my credit report NOW!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TX

Complaint narrative:
I am a victim of identity theft and did not make the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I submitted a dispute with Equifax that was resolved on XX/XX/20. Since then I have requested a copy of the report on 5 occasions. They say it takes 7-10 business days to receive the report. It has been over 2 months and I have not received the letter. I have also tried to view the information online and I keep receiving an error message. They say they there shouldnt be a reason why I cant get into my account and that they will escalate the issue. To which I also have not received any communication on. My mortgage company needs the letter to reissue a check that was written to a XXXX XXXX loan that does not exist as EQUIFAX made an error with my credit reporting. I need a copy of the results in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 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: TX

Complaint narrative:
I am a victim of identity theft and did not make the charges.

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 2020-08-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and did not make the charges.

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 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: GA

Complaint narrative:
collection company name is : collection bureau of america, XXXX XXXX   XXXX XXXX, XXXX. CA XXXX tel : XXXX My account with them was paid off and they sent me a letter said it's {$0.00} balance since XX/XX/2020. but it still showed on my credit report. it's over 30 days, but it still how son my credit report. they are not willing to report to XXXX and XXXX to remove this record from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TX

Complaint narrative:
I have no idea where these credit inquires come from, I have written the 3 major credit bureaus twice to dispute these inquires, I did not give anyone from these companies permission to run my credit, I don't know how they obtained my personal information but i don't know any of these companies. I have asked XXXX, XXXX, and Transunion twice to remove these inquires because I have no idea where they came from

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