vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was going through the automated system with regards to my checking account at the 800 number for Bank of America and realized Bank of America charged my checking account a XXXX monthly fee this month of XXXX. I called them about it to find out why this was the case and to my dismay I found out I have been charged a XXXX monthly fee since XX/XX/2019 which brings the total fees since XXXX charged by Bank of America XXXX. I spoke directly to a rep by the name of XXXX looking for an explanation of these fees and she told that my heloc was linked to my account and that I had to maintain a whopping XXXX in my account in order not to be charged a fee. I explained to her Bank of America told me when I opened this checking account many years ago that I would be charged a fee should I go under XXXX. Never was there any mention of any kind of maintaining a XXXX balance in my checking. I would never have signed up for the checking account then. This woman XXXX said no fees would be reversed and that my heloc was sold in XXXX and the fees began then for my checking. Bank of America never once sent me a notice indicating these fees would begin or that I had to maintain anywhere near XXXX dollars in my account. This is so wrong and misleading of Bank of America. Since when can banks just start charging you fees without notifying the consumer first? This is outlandish.

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 2019-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
During the financial crash i applied with Bank of America to get a loan processed through the making home affordable program, the bank continually lost the modification information or just said it was not sent and was confirmed by employees to be in the database, this was Country Wide loan originally was finally modified with all the fees attached that were not due to me but solely due to Bank of America loosing information or just lying saying it was not sent. It is now with XXXX XXXX and is a predatory loan that is more then I can get refinanced and has a really bad rate with no value in the house due to the added on fees from Bank of America i have continually tried to get this modified but i am now unsuccessful due to the additional fees added to the modification by Bank of America. 
the payment for this loan is increasing from {$2500.00} to {$3900.00}. This is making the loan very hard to pay and the house is worth less then the mortgage amount. 
As this loan has been moved from County wide to Bank of America to XXXX XXXX to XXXX XXXX I can only reference the original problem cause of Bank of America

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 2019-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Residential Title & Escrow Co
State: DC

Complaint narrative:
XXXX was not accounted for and also the settlement charges are overstated. Including the overcharges for commission fees and utility fees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: PA

Complaint narrative:
i have sent the sent the credit bureaus 4 letters advising them of issues with the reporting and each time it has come back verified ... .how can a debt be verified when the reporting is innacurate? this is a violation and i would like this account deleted immidiately i have attached a letter stating that the date i opened the account, the balance, the charge off date, and date of last payment and you will see how inaccurately the credit bureaus are reporting this violation. I have also attached a copy of my credit report so that you see the discrepancies in the reporting the account was opened XX/XX/XXXX the balance is {$9000.00} the charge off date is XX/XX/XXXX and date of last payment was XX/XX/XXXX Transunion is reporting date opened XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX and the date of last payment of XX/XX/XXXX XXXX  is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the date of last pay of XX/XX/XXXX XXXX   is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the incorrect date of last pay of XX/XX/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 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX. requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature or proof proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my three credit reporting agencies without providing validation of debt and the credit reporting agencies are reporting this inaccurate information to future creditors. this is causing injury to my person as i am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Contact debtor on XX/XX/2019 to request proof that this is a valid debt. The companies are reporting information to my 3 credit reporting agencies without providing validation. This causing injury to my person because I am not able to obtain new credit based on these false invalidating claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury tp my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. 
This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contracted the debtor on the XXXX on XXXX requesting my signature proving this was my debt and or that i had paid the account late. The companies are reporting information to my 3 credit reporting agencies without any validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors.

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 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature proving that this was my debt and or that I had paid the accounts late.

The companies are reporting this information to my 3 credit reporting agencies without ending validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors.

This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I finished the auto loan payment for a new car I bought in XX/XX/XXXX by paying off the car loan back in XXXX, XXXX. The Wells Fargo Dealer Financing company was overpaid by one additional installment payment of {$460.00} from my bank 's bill pay service after the remaining balance on the loan was paid off at that time. As a result I incurred {$210.00} in insufficient fund fee in my Wells Fargo bank Checking account. It took me over two weeks to get that over payment back into my account but have been unable to recover the wrongly charged fee totaling {$210.00} Since XX/XX/XXXX, after the car was paid off with the over payment there in, I'm still without a clear title and unable to change my car 's registration from XXXX to XXXX. Both States operate with Electronic Title System, and both States have not yet electronically received the release of lien on the title from the lien holder, Wells Fargo Dealer Financing company.

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 2019-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: WA

Complaint narrative:
Hello.this is the second time XXXX, has allowed the same person, at the same address to open an account, in my name .first time debit was trying to be collect by ... .XXXX XXXX XXXX ... I filed a police report ... stating it was fraud ... .and now same address and apt ... they did it again ... and now MRSBPO.Has acquired it ... different dollar amount..XXXX XXXX XXXX wanted XXXX.and mrsbpo wants XXXX none of which I owe

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 2019-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
A debt collection company bought an old debt from XXXX XXXX the collection company portfolio recovery has been making robocalls to me and also obtained a phone number what's in my state and harassing calls all the time hang up calls I informed them a year-and-a-half ago that the debt was improper and fraudulent on XXXX XXXX behalf and also fraudulent on XXXX XXXX behalf I sent portfolio recovery many letters requested all my information including a signed contract they failed to do so they threatened me they made robocalls they called with false numbers they also told me to contact their attorney I have also sent their attorney an email and they refuse to respond to me also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing ( SLS ) is refusing to report my account accurately to the credit bureaus. I have called nearly 20 times, email and faxed this servicer and they continue to lie and give me the run around. I sold my property and paid the loan off in full. My payoff was {$600000.00} and I sold the property for {$630000.00}. I also received an escrow refund credit for {$1500.00} due to paying off earlier than payoff deadline. SLS is refusing to report as a paid in full account. They are reporting the account was a settlement, clearly a lie, false, not true, fraudulent and damaging. This was not a short sale or less than full balance account, SLS received every dime owed. When I call they even state the loan is paid in full and don't know why its being reported incorrectly. SLS was paid off on XX/XX/2019 and they still have not reported the loan status correctly. They report it " legally paid in full for less than the full balance '' this statement is incorrect and fraudulent. Its also causing me harm and injury. I want this mortgage account status to report Paid In Full XXXX balance!

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 2019-11-16 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo did not report to XXXX  XXXX  or XXXX  Violation of FCRA.

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 2019-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2013 I opened up the Chase freedom card with Chase bank when I open the card I had a {$5000.00} limit they told me in time with good payments history the APR would lower. Did you not keep their agreement the APR never drop down but the credit limit did rise the XXXX is where Im at right now I called Chase for years now bargaining with them to lower my APR they havent budged I have 69 straight month with perfect payment history.. chase did NOT keep their agreement the APR, it never drop down but the credit limit did rise to XXXX is where Im at right now I called Chase for over four years now bargaining with them to lower my APR they havent budged I have 69 straight Months of perfect payments I called up Chase a few months ago and they put A bank monitor name Mr. XXXX on my case to modify it he call me roughly a month ago and told me theres nothing they can do they will not lower my APR when in fact they can lower it from where Im sitting now at 24.75 on Transactions they can definitely lower it to at least 17 % and they have not budged they have not moved they have not been anything but denied my request and reneged on their agreement with the credit card Im looking for help to resolve this matter and Im hoping that the CFPB can thank you for your time its highly appreciated l!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
Yesterday I filed a complaint with cfpb about Freedom Debt Relief. The case number is : XXXX. CFPB contacted Freedom Debt Relief LLC to resolve the matter. However, my payoff amount with XXXX XXXX XXXX  was {$390.00} before contacting CFPB. Upon looking into my dashboard on the Freedom Debt website, the payoff amount has changed to {$420.00}. Also, I think they may be hiding some of the money that I deposited into their account. Is there any way that cfpb can audit this company to make sure that they are not stealing funds from customers?

Company response to consumer: Closed with explanation