vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019XXXX30 DAYS LATE??? 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: CA

Complaint narrative:
I disputed information that is being reported on my credit file by all three Credit Reporting Agencies Experian, XXXX and XXXX. they stated that they verified the items that i was disputing and in turn requested that they provide me with the method of Verification and documents bearing my signature. 

They have not provided me with the method of verification as requested in several letters. they continue to send letters stating the they do not understand my request and my request are very clear.

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 2019-07-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The following hard pull is listed on my Equifax report : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX I do not recorgnize this. I called this phone number and they are unable to tell me why this credit pull was initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc.
State: OH

Complaint narrative:
Every day for at least the past 7 months I come home to a voicemail message looking for a person who does not live here. I recently called back the number and told them that person did not live here and to stop calling and take my number off their list. The calls have continued nonstop. When I reached them they gave me another name -- still someone who doesn't live here. I'm just sick of 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 2019-07-26 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: CA

Complaint narrative:
I disputed information that is being reported on my credit file by all three Credit Reporting Agencies XXXX, Trasnsuion and XXXX. they stated that they verified the items that i was disputing and in turn requested that they provide me with the method of Verification and documents bearing my signature. 

They have not provided me with the method of verification as requested in several letters. they continue to send letters stating the they do not understand my request and my request are very clear.

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 2019-07-26 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:
I disputed information that is being reported on my credit file by all three Credit Reporting Agencies XXXX, XXXX and Equifax. they stated that they verified the items that i was disputing and in turn requested that they provide me with the method of Verification and documents bearing my signature. 

They have not provided me with the method of verification as requested in several letters. they continue to send letters stating the they do not understand my request and my request are very clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am writing this complaint because SPS told my law group not to work for m. SPS told XXXX XXXX XXXX XXXX XXXX XXXX to threaten me. They told XXXX to lie and tell me that they have not scheduled a foreclosure sale date. However XXXX XXXX an attorney in XXXX, GA. has told XXXX XXXX and XXXX today ( XXXX XXXX ) that they scheduled a sale date for XX/XX/2019. Also, XXXX ( An SPS employee ) told XXXX XXXX a lie that there was no sale date. XXXX ( SPS ) told XXXX and XXXX this lie Im XXXX XXXX. XXXX ID XXXX. XXXX also told XXXX XXXX that she sent me a letter on XXXX XXXX to rescind the conversation she had about no slaw date. I would like for CFPB to fine for these lies and I would like for SPS to tell XXXX XXXX and XXXX XXXX to stop threatening me with foreclosure sale date. Also, I am not doing a short sale or Deed in Lieu. Stop the threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: IL

Complaint narrative:
I have inquiries on my credit report from XXXX and XXXX XXXX. I have disputed it with Equifax on several different occasions. I've also contacted the XXXX and XXXX XXXX, I informed them that I did not authorize them to check my credit and I did not apply for any type of credit with them. I have sent letters & called several disputing this with Equifax. XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 was last dispute. Equifax keep telling me the Information was verified and it is factual data. I spoke with a rep from XXXX, who stated he sent 2 requests to Equifax to delete the inquiry. After informing the Equifax rep about the conversation I had with XXXX, the Equifax rep continues to state they will not remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the afternoon of XX/XX/XXXX at XXXXXXXX XXXX, Wells Fargo Banks Branch ( Tower Building ) in XXXX XXXX robbed {$20000.00} from my account. I informed the Wells Fargo Bank ( WFB ) of above illegal transaction in my account. 
On XX/XX/XXXX ; MsXXXX XXXX XXXX ( tel. No. XXXX XXXX ) of WFB responded by a letter Furthermore, branch video was obtained of disputed transaction and upon reviewing the branch video, Personal Banker XXXX XXXX XXXX at XXXX XXXX Branch which is located on XXXX XXXX XXXX, XXXX XXXX , Ca XXXX has identified you as performing the transaction. 
Ms. XXXX statement was false and untrue, since she emailed to the Branch some set of pictures ( not surveillance video ) and they were undated from different transaction. Please ask her to forward you the copy of that email, so you could see the truth by yourself. 
After three month of disappointing result from WFB I filed with the XXXX On XX/XX/XXXX, The XXXX investigator reported that two Wells Fargo employees/investigators reported XXXX directly that there is no surveillance video existing for the unauthorized transaction during the afternoon of XX/XX/XXXX The first names and phone numbers for these WFB individuals, as provided by the XXXX investigator, are : XXXX : XXXX ; and XXXX : XXXX. 
I am XXXX years oge and I am at your mercy to correct injustice, that brought upon me by the Wells Fargo Bank. 
Respectfully, XXXX XXXX My Debit card : XXXX Cell : ( XXXX ) XXXX Email : 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 2019-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My wife and I refinanced our home in XX/XX/XXXX with XXXX XXXXXXXX XXXX ; MB Bank bought the mortgage and 5th/3rd Bank merged with MB Bank. We were  monitoring when we would have the mortgage insurance removed for years. MB Bank told us it would be removed in XX/XX/XXXX. A few months before this date 5th/3rd Bank sent us information telling us they were the new mortgage holder. We contacted 5th/3rd to have the PMI ( mortgage Insurance ) removed by XX/XX/XXXX and continued paying the same premium, as we were told by 5th/3rd Bank, to not cause a default. We were told the excess money of approximately {$63.00} would be returned. We spoke again and were told they would get this information right in and we would hear something in writing in 10 days. After paying XX/XX/XXXX 's premium we contacted 5th/3rd Bank again and were told it was denied because we had to have a loan equity ratio of 78 % and our ratio was 78.5 %. We spoke with a supervisor that told us this was based on an appraisal of {$170000.00} made in XX/XX/XXXX, and that no new appraisals are being accepted. I had an appraisal today XX/XX/XXXX of {$190000.00}. 
This appraisal was done without them knowing about the new roof in XX/XX/XXXX, total remodeled bathroom and granite countertops in the kitchen. If I put my house up for sale I would ask {$190000.00}. The numbers are ambiguous, its not right and the PMI should be removed. I have inclosed the original closing document showing the mortgage insurance of {$74.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: GA

Complaint narrative:
To whom it may concern : In XX/XX/2018. I disputed Bankruptcies being reported on my credit report by the Bankruptcy Courts. I provided a letter to Transunion, XXXX and XXXX  that I received from the Bankruptcy Courts which states ; The Clerks Office does not provide information to credit reporting agencies. After there investigation the Bankruptcies were removed because the information reported could not be verified by the Bankruptcy court. In XX/XX/2018 the Bankruptcies reappeared. I deputed these items again but the result of the reinvestigation states ; The information reported was verified by the Bankruptcy Court which in fact it could not have been based on the letter that was provided to me by the Court. which I have attached a copy to this complaint to be verified. I ask that you please look into this matter to have these item removed permanently. Thank you for hearing my complaint.

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 2019-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Im filling this report against Bank of America for not providing adequate security for my bank account. My personal information is not secure with this bank when it comes to other entities who seek my information. Yet for me, any transaction I try to do at any time, the bank always requested my ID, PIN # and Debit card to identify that it is me ; even if I write my own personal check. 
Also, at any time I deposit a check or receive a transfer from another entity the bank always delays the transaction for a few days or a week before credited my account. 
From time to time, the bank stops my debit card transactions without consulting with me or tell me if there were any suspicious activities. Yet on XX/XX/2019, someone or an entity stole my name and my partners information who happened to be on my Bank account with Bank of America, reopen a new account with Bank of America under my name or my partners name, and on XX/XX/2019, they transferred XXXX from my only account with Bank of America to the New account which they created with bank of America. Despite that the bank held both my personal account and the fraudulent account under my partners name ; yet after both my partner and I went to the bank complaining that it wasn't us who did the transaction, the bank still refuses to credit my account and left my balance to {$0.00}. while my car payment didn't go through. the bank fraud department told me it will take up to 90 days before I may be able to get an answer. While all my monthly bills and food need to be met. Thant practice of bank of America caused me and my family great grift.

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 2019-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo bank has been charging ridiculous fees for transfer of funds between checking and saving account from my account due to not have a local branch available to do transaction. I'm a XXXX veteran and have call an tried to work out a solution to the fee problems. Just this last two months alone, they have been transfering my money on from checking, but when I need to transfer money from saving to protect my checking account they have been charging my account as much as a XXXX dollars in fees, I have had my sister go into the branch as explain the situation and they have said that I should close my account and go to another bank to stop the fees. I have had this account for over 22 years and there should be some type of assistance for veterans. I was sent a message on my savings account dated XX/XX/16 in regards to excessive fees that have been taken from my account and that the account would be forced closed and changed to a second checking account without my permission. I believed in my account at Wells Fargo but now my feeling have changed. I felt this type of service needed to be reported to help other veterans not suffer from this type of treatment.

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 2019-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank did not waive my monthly service fee even though they have many times before. This is one of the few times in a while I did not meet the requirements to get the fee waived. Honestly dont even bother with Chase Bank. There are MANY others that wont charge you a fee and dont have monthly requirements to get it waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The issue is with BMO Harris online saving account Platinum Money Market. 
XX/XX/2019 I've opened the above mentioned account In terms and conditions there were no transfer limits published and i assumed that i'll be allowed to deposit or transfer funds as much as needed at any time ( subject to standard restriction 6 transactions per month ). 
XX/XX/2019 i validated linked account and submitted initial deposit it happened to be limited to XXXX. Then i tried to make another transfer and learned that any deposit or withdrawal is limited XXXX per month. So obviously this limits liquidity and freezes funds. Given this situation I've double checked with BMO Harris if they limit transfers initiated by another institution and received the answer that no limit on deposit but online withdrawals are subject to the same XXXX per month limit. I've requested to return the initial deposit and close the account as they didn't disclose critical information on the account operation terms and this doesn't fit my needs of liquid funds with competitive interest rate. They didn't complete request and just advised that account closed within first 90 days is subject to {$50.00} fee. 
In addition, XX/XX/2019 my funding account recorded transfer of funds to BMO Harris and as of XX/XX/2019 there is still no record of deposit at BMO Harris ( meanwhile the trial transactions for linking accounts go through the next day ). 
The BMO Harris practice with this account is quite dishonest and predatory for consumers - a mouse trap, you put money and then it would take some time to get them back. There are accounts which operate in such way and they should be called CD. The transfer limits are not disclosed, meanwhile this information should be on the front page of the terms and conditions as this is essential information on the account and should be visible upfront before infinite legal disclosures.

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 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affiliated Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX - XXXX sent my account to the collection agency ( AFFILIATED ACCEPTANCE CORPORATION ) due to an unacceptable error on their behalf. My son relocated to another one of their locations and a fee was accessed for some unknown reason. I've had several conversations with XXXX to no avail. Directly after said conversations, Affiliated Acceptance Corp placed this account on my credit report. To remedy the situation I agreed to pay Affiliated Acceptance Corp with the understanding they would remove the account from my Credit File. As of XX/XX/XXXX the account is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
Today, XX/XX/XXXX, while going thru my emails, I came across another email from a different loan company threatening to sue me. I never got a loan from this company either : CREDITOR : XXXX XXXX XXXX CASE NO : XXXX OUTSTANDING AMOUNT : {$840.00} Subject : Unpaid loan Invoice CONTACT AT : mailto : XXXX This Proceeding issued on you Docket No : - XXXX with one of XXXX XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of THE XXXX LAW FIRM has decided to mark this case as a flat refusal and press legal charges against you. 
We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond, we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$2600.00} and will be totally levied upon you and that would be excluding your attorney charges. 
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 
This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 

IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX At Speedy Cash, the privacy and security of your personal and financial information is our top priority. Since our doors first opened in XXXX, we have been continually innovating and implementing advanced technologies and techniques to ensure the safety and privacy of your information. We deeply value the trust you place in us and we are committed to providing you a safe and secure loan experience regardless of the method you decide to use to apply for credit with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: LoanCare, LLC
State: MI

Complaint narrative:
I am in process of refinancing and while I was doing the process my XX/XX/2019 payment is showing 30 days late. The issue I am having is that I had send a payment over the electronic pay however it never had gone through. The company is stating they never recieved. I called since the XX/XX/XXXX and once found out that they never got the payment I made a double payment immediately. I tried to talk to them and figure this out, but they would not understand and told me that the only way is to go through a claim. They dont see any record however I have no way of proving anything. I been in contact with them multiple times hours at a time. They always tell me different stories and they even drop my calls and I would have to recall them.

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