vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America There were pending transactions on my account that I knew the merchant was reversing, and that the funds would never be withdrawn from my account. When I made another transaction, Bank of America accessed Overdraft Protection,  even though the actual balance of my account, as given on their website, never approached XXXX. The Overdraft protection resulted in three {$12.00} fees. They did this on the assumption that all processing transactions would ultimately process, which I knew to be false. Is this legal? I argued with them for some time and their response was that processing transactions are considered actual debits until they receive notice that they have been cancelled. 

This happened two months in a row, the night before my paycheck was automatically deposited.

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 2020-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
Creditor- BMW Financial Services Amount shown on XXXX - {$10000.00} Date reported : XX/XX/2020 Negative remarks : They indicated i owe them money when my account is closed. I was told on a recorded line that the amount of {$10000.00} would NOT be reported to ANY creditors within a year so we could potentially resolve this issues at hand. They have went against their word that was recorded on their phone line!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 — Investigation took more than 30 days
Company: NRA Group, LLC
State: PA

Complaint narrative:
National recovery continues to furnish information on credit file. According to [ 15 U.S.C. 1681b ] creditor furnish information on credit report which debt is  satisfied. Requesting removal of tradeline.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have a mortgage from JPMCB HL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB HL and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and JPMCB HL with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: WA

Complaint narrative:
CMR a financial services was aware that I was a state XXXX member and even though they knew this information they still kept on calling me trying to get me to pay for service which was I was covered under XXXX XXXX member services and they were still calling me. A XXXX XXXX XXXX member actually file the complaint on them as well regarding this issue because it is illegal to try to contact me regarding the issue as they need to contact XXXX & not myself. I just been over a year and I have still been fighting or this issue to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: NV

Complaint narrative:
I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I received a IRS Form 1099C from Bank of America. The form is response for a debt from XX/XX/XXXX. I also saw that they ran a credit inquiry on me XX/XX/XXXX a few days earlier and wondered why, nor was there any information sent to me about it. 
I filed a Chapter XXXX on XX/XX/XXXX due to no ability to pay my bills. Bank of America made the decision to not file a claim ( standard policy? ). The charged off the debt on XX/XX/XXXX. 

The chapter XXXX was dismissed on XX/XX/XXXX due to financial hardship that I was no longer able to pay. 

I have never received any correspondence until the 1099C came this month. I phoned Bank of America on XX/XX/XXXX, due to severe reporting errors on the form. The IRS suggests to call the lender to see if it was sent by mistake or the errors were not known. The answer they give will decide how to proceed. The associate who took the call stated that it was based on my dismissal in XXXX. I told her that was a error. She stated to call back in a week or so. That is not a acceptable resolution. 

If the 1099C is income applied incorrectly to XXXX, my family will be over the limit to receive our health care credit. The taxes on the 1099C that will be due and loss of the health care credit will result in debt that I will never be able to repay to the IRS. 

Bank of America used code G in box 6 for the reason to issue the form. That code is for decision or policy to discontinue collection. That would be the exact reason for the Bank not filing a claim in XXXX with the Chapter XXXX and writing off the debt the same month. They used XX/XX/XXXX as the Date of Identifiable Event ( box 1 ). That date is completely without any basis, beyond random choice or mistake. Based on actual dates the form should be withdrawn as it has no use to either party. Then if issued the IRS would allow me to file a exemption of the tax. This would have had no effect on the Lender if done correctly. 

The second option if not already proven to be misleading would to file it in the year XXXX. The year of the discharge. The fact that the lender is unaware of their own reporting to the credit agencies of factual data is on the report they pulled is unacceptable. Using code G in box 6 stating their reason is intent due to policy would make this option appear invalid. I have read complaints of this invalid reporting becoming another Bank of America issue. 

I request a answer to their intent to repair the form so I can file the correct forms to the IRS, who will use my data included as proof to help me file. They will then take over with Bank of America 's reporting.

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 2020-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
I have never heard of Americollect, have no written contract with them and never received any benefits from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: LA

Complaint narrative:
I am a victim of identity theft. I have filed a police report and filed a complaint through the ftc. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children. The following items are appearing on my credit report as a result of me being victimized I am requesting that these be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago ( XXXX ) and tried disputing directly with credit companies. Please help me with this matter.

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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I paid someone to fix my credit and no updated has been made. no score has been shown since and the 1 derogatory mark on my account is still there and it showing up on my credit and my ex husband credit as well. and this account was in he's name not mines and 3 hard inquires which I have no understanding about. someone stole my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Without my knowledge, Ally Financial stopped accepting automatic payments via the online portal and neglected to notify me in order to fraudulently charge late payment fees. Upon noticing it on my credit score, Ally Financial refused to cooperate. 2 Payments of {$470.00} were claimed to have never been received in XXXX and XXXX of 2019. The account has always been and still is current, yet Ally financial is refusing to correct their mistake. Any help is greatly appreciated. 

Thanks, 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 non-monetary relief
Consumer complaint received 2020-01-28 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 credit report my score was XXXX last month and this month it dropped 37 pts. I have paid all my revolving and loans on time and this is not correct nor accurate. I called on XX/XX/2020 to dispute this decrease as I have no past open collection accounts or over due accounts. 

My email is XXXX And number is XXXX XXXX XXXX XXXX That 4 digits of ss # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
Mid first is attempting to foreclose on my home with a fraudulent assignment. I have requested proof of claim but Mid First has failed to respond. The QWR I mailed has not been responded to either

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 2020-01-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Statement XX/XX/XXXX attatched ADJUSTMENT PURCHASES {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROOF USAA * BEGINS FRAUD INVESTIGATION A THIRD ( 3RD ) TIME with Proviional Credits that do Not Apply to Balance SUMMARY OF ACCOUNT ACTIVITY IS UNTRUTHFUL CLAIMING OTHER CREDITS OF {$620.00} TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD ARE {$400.00} of which I paid {$200.00} and rest paid with PERMANET CREDITS OF {$190.00}. XXXX XXXX Why is USAA INVESTINGATING FRAUD FROM XXXX 3 TIMES? These charges are fraud charges from XX/XX/XXXX Perhaps to collect credit reversals from the ADJUSTMENT PURCHASES never applied. All USAA TRUTH IN LENDING STATEMENT. with fraud LIE DECEIVE CONSUMERS INTO THINKING CREDITS WERE APPLIED WHEN THEY WERE NOT ANYTHING HIDDEN IN SECRET NEEDS TO BE EXPOSED Why hide If credits are not given it is a crime to take them back so given or not IT SHOULD NOT BE HIDDEN FROM CONSUMERS Reading these statement THEY ARE DECEPTIVE WITHOUT EXPLANANTIONS ADJUSTMENT PURCHASES DO NOT APPLY TO BALANCE ONLY {$400.00} TOTAL PAYMENTS AND CREDITS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: CT

Complaint narrative:
Dear CFPB. Plaza HOme Mortgage is cheating on you.concerns XXXX.This is first time when i asked them about out of pocket PMI.They never gave mi answer.I think that Plaza Home Mortgage sending you false information about This complaint appears to be about the same issues as your earlier  complaint..This is lie. 
I would like to know why plaza home mortgage put my PMI {$3100.00} as finananced and added to total mortgage loan.The Pmi {$3100.00} is included in closing cost and can not be added to loan but should be substracted.. 
Plaza Home mortgage this is fake gompany and lie a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: NY

Complaint narrative:
As previously stated, I was/am a victim of identity theft, Equifax said they verified fraudulent items/accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in need of help from the consumer finance protection bureau regarding a lack of response from Experian the credit bureau. In XXXX of 2019 I opened a credit monitoring account after hearing of the XXXX  data breach. Upon reviewing my credit monitoring report I discovered a lot of accounts that either did not belong to me or where reporting wrong to my credit. I initiated disputes by mail on or around the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019. I never received a response to these disputes by mail and was not informed of the dispute results or the status of their investigation. Assuming an investigation was ever opened as a result of my numerous dispute attempts in the first place. The accounts I believe to be inaccurate are XXXX XXXX XXXX  XXXX {$1200.00}, XXXX XXXX XXXX XXXX  XXXX {$900.00}. The accounts that do not belong to me are XXXX XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX  XXXX {$370.00}, XXXX XXXX  XXXX XXXX  XXXX   XXXX {$300.00}.

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 2020-01-28 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:
THERE IS A COLLECTION ACCOUNT ON ALL THREE OF MY CREDIT REPORT FROM XXXX XXXX XXXX, THIS IS NOT MY ACCOUNT I HAVE NEVER HAD ANY ACCOUNTS WITH THEM PLEASE PROVIDE VALAIDATION OF DEBT. NO VALIDATION HAVE BEEN SENT, BECAUSE THIS IS NOT MY ACCOUNT,

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 2020-01-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Without my knowledge, XXXX XXXX stopped accepting automatic payments via the online portal and neglected to notify me in order to fraudulently charge late payment fees. Upon noticing it on my credit score, XXXX XXXX refused to cooperate. 2 Payments of {$470.00} were claimed to have never been received in XXXX and XX/XX/2019. The account has always been and still is current, yet XXXX   XXXX  is refusing to correct their mistake. Any help is greatly appreciated. 

Thanks, 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 2020-01-28 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: ERC
State: CT

Complaint narrative:
The company in question is known as ERC located at XXXX XXXX XXXX in XXXX Florida, XXXX. On XX/XX/2020 their office called my home phone ( XXXX ) XXXX. On the third occasion, I answered and they asked for a XXXX who does not nor has ever lived at my home in the 3 years I have had the phone number. I informed the caller that they had the wrong number and that XXXX never has, nor did I know the person they were calling for. On XX/XX/XXXX, I received several more calls and called ERC to speak to a supervisor. I informed them that they had the wrong number again and that I was to be removed from their call list immediately. I was assured that they were going to escalate the request and it would be done within 24 hours. Today, the company once again called my home and I have had enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation