vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I use a Bank of America product referred to as Bill Pay with a feature called " Auto Pay ''. With " Auto Pay '' the merchant sends an electronic bill directly to Bank of America who then withdraws the amount from my checking account and pays the bill. 

In XXXX, Bank of America failed to pay my XXXX XXXX bill. XXXX XXXX alleges that it has nothing to do with them. Bank of America initially responded by telling me to inquire with XXXX XXXX. I sent a second request to Bank of America which included negative feedback regarding their initial response. Following this, they responded the second time stating that XXXX XXXX did not send an electronic bill in XXXX and therefore there was nothing for them to pay. ( The XXXX XXXX auto pay has been on for years as well as many other merchants and it typically works without any problems. ) In their response they stated that I have the right to request to see all documentation related to how they drew this conclusion. Upon requesting the documents, Bank of America responded by sending my a copy of my emails to them. ( This is the second time they have responded this way. ) They should be sending copies of all internal emails that the representative responding to my request sent to the Bill Pay group as well as any follow up telephone calls, emails and computer printouts that show that they did do an investigation. 

It appears that they are answering these types of issues with no or very little effort which is another clear indication that Bank of America does not concern themselves with quality customer service because they know, as we all do, that they are 'too big to fail '. This attitude needs to stop!! 

The case number of my initial inquiry to Bank of America is : XXXX Thank you 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 2019-05-08 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: NY

Complaint narrative:
Recently came across an incorrect debt collection report on my credit report. I have notified both alleged collection agencies about this. When I asked for proof of said claim, they did not respond. One company closed the account and stopped reporting but it still appearing on my credit report. I further did investigation on both so called agencies which are scams and have been reported numerous of times to the XXXX ( XXXX XXXX XXXX ) for claims they have had against other individuals as myself. I have also Contacted all 3 credit bureaus on this as well with nothing but a verified status but with no actual proof that this claim belongs to me which it doesn't.

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 2019-05-08 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: NY

Complaint narrative:
Recently came across an incorrect debt collection report on my credit report. I have notified both alleged collection agencies about this. When I asked for proof of said claim, they did not respond. One company closed the account and stopped reporting but it still appearing on my credit report. I further did investigation on both so called agencies which are scams and have been reported numerous of times to the XXXX ( XXXX XXXX XXXX ) for claims they have had against other individuals as myself. I have also Contacted all 3 credit bureaus on this as well with nothing but a verified status but with no actual proof that this claim belongs to me which it doesn't.

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 2019-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, I received 2 missed calls from XXXX. They called me a 3rd time and I answered. The automated voice said that my XXXX  account was hacked and that I needed to take action immediately. Since I had just finished exam week in college, I didnt think that this could be a scam so i stayed on the phone. A man with an XXXX accent then got on the phone and told me I needed to hurry and purchase XXXX XXXX gift cards for the amount of devices I have in my household in order for me to save my XXXX. He told me to go to a website on my computer and ran a fake security check to make it seem like all of the security on my computer was hacked and I was going to lose everything on it. I started to panic so I went to the store. He told me to purchase a {$100.00} gift card for each device. At first I only bought one for my phone then he proceeded to tell me that I needed to buy 3 more for my computer, XXXX, and Tv. So I returned to the store and got 3 more. He then made me read off the number on the back of the card to him. He told me the {$100.00} giftcard wasnt enough to get my XXXX  back because it wasnt a high enough ranking security. He sent me an email with a receipt for a refund for {$400.00} saying that the money was back in my account ( which was a lie ). He told me I now needed to get a {$500.00} giftcard to get my XXXX  back. Luckily I had misplaced my debit card and I couldnt buy another one. He stayed with me on the phone while I was looking for my debut card and kept trying to make me use a credit card to buy the gift card. He stayed on the phone with me for over an hour while I searched for my card. I then proceeded to call my mother to ask her if she could send me some money to go get the giftcard because I was so scared to lose my XXXX. She told me to look up if this whole thing is a scam and it was so I got off of the phone with the man. He then kept calling me repeatedly but I didnt answer. I filed a claim with my bank, Wells Fargo, immediately. They said they cant refund me the money back. I will attach copies of the emails and my call log below. I am now missing {$400.00} and Im just a young college woman who doesnt have much. I just got paid {$800.00} and now half of it is gone and I only get paid once a month.

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 2019-05-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have an account with Pay Pal Credit. There are charges on my account I did not incur, and have reported them to creditor however they refuse to give me credit for the disputed charges. Pay Pal Credit has also, without cause closed my account as it has always been paid timely but for disputed amount.

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 2019-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX in XXXX, VA had forced place insurance on an auto loan " jointly '' owned by myself and my ex husband XXXX XXXX. I called in and provided XXXX XXXX with proof of XXXX and paid $ 70.00+ to ensure the account would not incur and issues. I was advised the forced placed insurance amount would be fully credited back to our account and there would be no issues moving forward. Recently I pulled my credit report and saw that they had reported to Trans Union 10 Late Payments from the date of when we last spoke. This information is INCORRECT. I have tried to communicated with them and ask for them to correct this error and they refuse. I was told that " they '' were not aware all of the forced placed insurance would not be refunded and therefore it left our account with a small balance of roughly {$270.00} which projected a small increase in payments. We were never made aware of this and therefor though payments were being made and made on time they continued to report to our credit bureau and not advise us. When I asked why they never contacted me I was told since I am not Primary they had to call my ex husband first and never got a hold of him. Why did they not exhaust all forms of communication? This account is mine as well and they had ALL of my information including an email address. They neglected to contact me and insist this is not their fault.When you have two borrowers on a note both are responsible and both are to be contacted. But yet they contradicted themselves stating they did foresee the refund amount not being fully refunded and they never stated why they did not contact me. If you look back on my 16 years worth of Credit History there are no late payments. So their breach of duty and negligence has caused issues with my Credit Report and is impacting both my ex husband and I in a negative way. I find this to be immoral and poor business practices. They by all means should correct this ERROR they made and be sure to have our Credit Reports corrected as well.

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 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: ZIONS BANCORPORATION
State: PA

Complaint narrative:
To limit sharing at XXXX XXXX XXXX of my shared information when calling at the bank while opening the account to OPT out of sharing was having issues with people that could barely speak English. Was on the phone while the accounts person was opening my account and doing paper work. It's not clear by XXXX XXXX XXXX my account is opt out. I'm OPT out at all 3 Credit Bureaus of marketing and all services with XXXX, XXXX, XXXX  are all OPT out of Marketing and services. There is a block on my credit files regarding Marketing & Promotions.

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 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southern Management Systems Inc.
State: TN

Complaint narrative:
After repeated threatening phone calls from Southern Mgmt Systems I asked to not be only contacted through written correspondence. I guess they didnt like that and have proceeded to contact family members divulging my personal information. XXXX XXXX, falsely told my family members that I provided their names.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: CA

Complaint narrative:
Equifax and XXXX are reporting incorrectly a collection on the XXXX account numbers - XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have attached two statements from XXXX XXXX that clearly show an accurate payment history of these accounts, with no late payments and no balance due. I have also attached an updated credit score from FICO dated XX/XX/2019 stating XXXX  XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX account balance went from {$2600.00} to {$0.00}. This incorrect reporting and coding of these line items on my credit report are harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I closed on my house XX/XX/XXXX. Ditech is my mortgage servicer. As I am a XXXX senior veteran, I chose to defer my property taxes meaning I did not have to pay them until I sold my house. My wife was a co-borrower on the loan. I have sent her death certificate to Ditech 3 times in order to get her name removed. XXXX, XXXX Ditech took it upon themselves to make a tax payment to XXXX XXXX of {$22000.00} despite my telling them many times my taxes were deferred. I even sent in paperwork as they requested to confirm this. When I closed on XX/XX/XXXX, Ditech added this payment to my payoff despite confirming with XXXX XXXX that they had mailed the check. Ditech apparently lost the check and it took over 30 days for them to find it. My realtor called Ditech after we closed and Ditech escalated to see where the check was. They found it and I received a check in 30 days but it was also in my deceased wifes name so could not cash. Per XXXX instructions I sent via certified mail a copy of my wifes death certificate, the check and requested a new check in my name only. Ditech signed for the check on XXXX. On XXXX they could not find the check in their system ( another lost check ). My Realtor got on the phone to assist me as I have been on the phone for hours with Ditech to no avail She uploaded all the documents they requested on XXXX. Told she would be contacted by XXXX ( apparently fake name and extension as extension goes to customer survey not a person ) Uploaded docs went to XXXX XXXX. I would like this money that has been due to me since XXXX. Every time I call I get told it will be 10 business days-it has now been 35 days since I mailed everything and still no check. {$22000.00} is a lot of money for a senior citizen. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I received collection notice from XXXX XXXX for {$150.00} I called them and advised them this is not my account and also request that they provide me with all methods used to verify this account as being owed by me as well as provided all original paperwork with signatures and if such proof is not provided that they delete this account immediately as they are attempting to send this to credit reporting agencies

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 2019-05-08 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: SC

Complaint narrative:
Last weeks i recieved multiple calls about collections that do not belong to me. I also recieved alerts that my information was discovered in over 2 worldwide data breaches. After reveiwing my credit report i discovered many fraudulent accounts listed on my credit reports. I believe i am a victim of identity fraud. I demand that the fraudulent information be removed from my credit report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
THIS SO CALLED " ATTORNEY FIRM PROCEEDING DEPT '' XXXX IS RUNNING A SCAM OR FRAUD CALLING PEOPLE ABOUT OLD DEBTS ON THEIR OFFICE DEPOT ( IN MY CASE ) CREDIT CARD ( OR OTHER CREDIT CARDS ) THAT HAVE BEEN ALREADY DISCHARGED IN BANKRUPTCY COURT YEARS AGO ( MY CASE IN XX/XX/2013 ). 
THEY START BY ASKING ME MY NAME AND LAST 4 OF SS NUMBER AND THEN THEY SAY I HAVE AN OUTSTANDING DEBT OF {$3600.00} OR SO ( THE SAME AMOUNT THAT WAS DISCHARGED IN COURT ) AND THEY ARE DOING PROCEEDINGS TO COLLECT IT AND THREATENING TO TAKE ME TO COURT. 
I HAVE ALL PROOF THAT THAT DEBT WAS DISCHARGED AND THEY KNOW IT BUT THEY ARE FRAUDULENTLY TRYING TO COLLECT IT DESPITE THE DISCHARGE TRYING TO CONFUSE YOU INTO THINKING THE DEBT WAS NEVER DISCHARGED. 
YOU SHOULD TRY TO REVERSE LOOKUP THAT PHONE NUMBER ( OR WITH THE PHONE COMPANY ) TO GET THE LOCATION OR ADDRESS OF THAT OFFICE AND NOTIFY THE STATE ATTORNEY TO ARREST THEM. THIS IS A TRUE SCAM AND FRAUD ATTEMPT TO ROB YOU OF YOUR MONEY.

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 2019-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I posted an ad on craigslist for a mattress for sale in XXXX, New York. A man reached out on XX/XX/XXXX saying he wanted to buy it for the asking price, {$200.00}, and offered {$50.00} extra to reserve it. He told me he would mail me a check immediately that I would have to cash, and then I would have to pay the movers from this check and I would keep the difference. He expressed mailed a " XXXX '' cashier 's check of {$1700.00} to my apartment on XX/XX/XXXX and insisted I pay these " movers '' {$1500.00} as quickly as possible via XXXX or XXXX and that I allow the mattress to be picked up as soon as possible. For the entire process he was pushy and rude. I did as he said and cashed the check and paid this person {$1500.00} ( who I thought was the moving service ) on XX/XX/XXXX and a day later, XX/XX/XXXX the check bounced. I reached out to this man, " XXXX, '' immediately and at that point he stopped responding to me. I called Wells Fargo immediately on XX/XX/XXXX and they could not do anything, saying the transaction had already processed. The following Monday, XX/XX/XXXX, Wells Fargo gave me a call and said there was fraudulent activity on my debit card of {$15.00} and they wanted to alert me. That transaction was blocked and they cancelled this debit card immediately. Right after, I called the XXXX precinct in New York to file an official report and they said that could not be done because where the crime happened ( via my phone and computer while I was at work ) was not local. I called the XXXX precinct ( area where I was working while I paid via my phone ) and no one picked up, so I left a voicemail, and they did not get back to me. I called my financial advisor and he told me to call XXXX. I called XXXX XX/XX/XXXX and I could not even get on the phone with a real person because they insisted it was an issue with Wells Fargo and not them personally. My financial advisor then told me, after there was nothing he could do, to file a report on this 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 explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: TN

Complaint narrative:
XXXX at XXXX XXXX XXXX - time share my wife and I were divorced in XX/XX/XXXX the time share was awarded to her in the divorce she died XX/XX/XXXX and the debt reported to my credit on all 3 bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 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: CA

Complaint narrative:
XXXX and Experian are reporting incorrectly a collection on the XXXX account numbers - XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have attached two statements from XXXX XXXX that clearly show an accurate payment history of these accounts, with no late payments and no balance due. I have also attached an updated credit score from FICO dated XX/XX/2019 stating XXXX XXXX XXXX XXXX account balance went from {$2600.00} to {$0.00}. This incorrect reporting and coding of these line items on my credit report are 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 2019-05-08 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: CA

Complaint narrative:
Transunion is reporting incorrectly a collection on the XXXX account numbers - XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have attached two statements from XXXX XXXX that clearly show an accurate payment history of these accounts, with no late payments and no balance due. I have also attached an updated credit score from FICO dated XX/XX/2019 stating TX XXXX  XXXX XXXX account balance went from {$2600.00} to {$0.00}. This incorrect reporting and coding of these line items on my credit report are 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