vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please see attached. We have tried everything with this company and they will not change our credit report of missed payments/late payments.

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 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : AMERICAN CREDIT ACCE Account Number : XXXX XXXX Date : XX/XX/2017 Amount : {$17000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
FIRST, I NEVER REQUESTED ANY LOSS MITIGATION ASSISTANCE ... ..I CONSISTENTLY AND SPECIFICALLY TOLD YOUR COMPANY TO STOP TRYING TO PUSH LOSS MITIGATION OR ANY ASSISTANCE ON ME OR MY ACCOUNT SO AGAIN DO NOT ATTEMPT TO PLACE ME IN ANY LOSS MITIGATION OR ASSISTANCE PROGRAM. ANY ATTEMPT TO PLACE ME IN ANY LOSS MITIGATION OR ASSISTANCE PROGRAM OR TO IMPLY THAT I REQUESTED ANY IS ILLEGALLY DOCUMENTED. 
Second, You have not addressed the high interest rate OR the correction of over {$1000.00} to my account due to your company CORRECTING ERRORS ... .. BUT MY MONTHLY BILL INCREASES. 
Third, Your company paid my taxes prematurely which cause all kinds of issues with my taxes although I showed AND told you that I have consistently paid my taxes to date with out any issues. The credit on my taxes is due to your error and now you want to me to " prove '' your error ... .. 
You sent notices to my tax department, with out permission ; so with the same correspondence you can contact them to view the credit on my account. I can not represent your errors. 
Sincerely, XXXX XXXX, XXXX/XXXX  Retired

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On the month of XXXX, a collection agency IC systems started reporting an open credit of {$290.00} from XXXX XXXX XXXX. This company has come out of nowhere and damaged my report for a service I havent had in years. Also, back in 2015 I paid XXXX XXXX off in full. Its been almost 3 years since I had service with XXXX XXXX and when I did have service they were paid in FULL. I return all equipment back to them the year of XX/XX/2015. All of my debt has been settled with this company years ago. I have never had an account with IC systems ever and they are damaging my credit. Also, this company is false reporting things to XXXX. This account does not show on any other credit bureau but XXXX   because it is false. I called this company multiple times between XXXX and XXXX, and spoke with representatives but no one can tell me why this account appeared. Also, this company has never sent me a statement saying why I owe this amount of money. This is effecting me with potential job opportunities and my current job with the city. Its also making my credit score lower as well which it hard for me to finance a new home and other things. I never had a debt with this company, and dont know how it came about. If this agency continues to report negative inquires on my report, I will file a civil lawsuit on this company. I will be contacting a lawyer to help me with this issue if its not settled.

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 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2018 a {$400.00} withdrawal was made from my checking account from an ATM in XXXX XXXX, WA. On XX/XX/XXXX I saw the withdrawal while reconciling. I did not make this withdrawal, so I called Bank of America and cancelled the debit card, reported the fraud, filed a claim, and a credit was issued. Claim number : XXXX. In XXXX the credit was reversed and a " claim denied '' message sent with no details. I called Bank of America to ask why the claim was denied and was told no information is available beyond the town ( XXXX XXXX, Wa ), the name " XXXX  '' ( which means nothing to me ) and the date. I went into the XXXX WA branch office to speak to a representative and was told that no one in the office could help me. In fact that because it was fraud related, nobody could even talk to me about it. I needed to call of fax the fraud department. I called back and re-opened the complaint. I asked for 1 ) the time of the transaction, 2 ) the location of the ATM and 3 ) the reason the claim was denied. Roughly 1 month later I received another claim denied message with no information. I called the fraud tel # again. This time I was given a reason : my card has a chip so I must have used it myself or given the card to someone. They still could still not give me an ATM location or transaction time. I can prove I was not near XXXX XXXX on that date so I re-opened the claim. It's now XXXX and I have not received a response. From my perspective, {$400.00} was taken out of my account and Bank of America is refusing to provide the necessary information so I can pursue 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 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
Trying to buy a home. Ran my credit on XX/XX/XXXX and the XXXX  account came up. I called right away and paid. I need a letter of deletion and this removed from my account to buy my home they said to file through this website and XXXX   would allow it to be deleted

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 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Fraud on account. The creditors disappeared last month and then came back. I spend over 3 hours everyday on phone with the scam artists at TransUnion. They need to remove the following. 


Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX   Last 4 of social -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 2018-11-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: AZ

Complaint narrative:
On XX/XX/2018 my XXXX  XXXX Debit Card was compromised at a hotel in XXXX XXXX Nevada. My Social Security XXXX check is deposited into this account around the XXXX of every month. In XXXX of 2018 the amount of {$1000.00} was stolen out of my account. XXXX XXXX   did not offer to help me in any way and treated me very poorly. I was stranded in XXXX with no money no car and no place to stay. they would not accept my calls or would hang up on me. They would not give me any details about my account, have been extremely rude and have not offered to return any of the money while I dispute the {$1000.00} stolen money from my account. It has now been 2 weeks and I to not know anything and have not recovered any of my money. I have read hundreds of consumer affairs complaints where many people are currently going through the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I deposited a check of {$6000.00} to my Wells Fargo account using my debit card number XXXX on XX/XX/XXXX but my money is being held and I am told the money may not be available to me until on the XX/XX/XXXX or my check declined and returned after XX/XX/XXXX because I did endorse the back of the check. I have called Wells Fargo customer services 4 times but they would not release the funds to me insisting that a verification is being done. They have not contacted me nor the paying bank for the verification and have declined to return my check. 
My account is overdrawn and I have overdraft charges to pay. Customer service response to me has been horrible as they can not explain the verification process to me and I can not communicate with the verification department to expedite the process. 
I want my funds released to me to avoid additional financial and emotional damages.

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 2018-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
They put me in a predator loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To whom it may concern : I XXXX XXXX XXXX am a victim of identity theft and identify fraud where XXXX XXXX XXXX and XXXX XXXX XXXX two wanted fugitives for multiple XXXX. That I reported to the New State Attorney General and the Massachusetts state attorney general. There an active NYS attorney general investigation in to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX as well the two fugitives named above XXXX XXXX XXXX is my mother so she had all my Information as far as D.O.B XX/XX/XXXX S.S. # XXXX My address XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. After I reported my whole family for multiple XXXX they retailed by XXXX XXXX is my cousin she call all my creditors XXXX XXXX XXXX  XXXX XXXX and making false claim of my accounts being put in to collection. XXXX XXXX my sim card out my XXXX and creating XXXX dollars in fraudulent charges and called XXXX put it in to collection not once but twice. After it was resolved with XXXX and discharged off my credit report do to fraud. These events have adversely affected my Credit score before the fraud I was an XXXX with Trans union now Im a XXXX with Trans union. Please restore my credit score to where it was before the Identify theft and the Identity fraud that I reported to the F.T.C and other agency CFPB years ago. If not I will be forced to take legal action. Thank you XXXX XXXX XXXX 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 2018-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Attached is the summary of my Case that was processed by Chase bank escalated cases group and they could not solve the issue. 

Following are the contact persons from Chase bank that I visited 8 times so far : XXXX XXXX ( Branch Manager ) Phone : XXXX XXXX XXXX XXXX ( Personal banker ) Phone : XXXX XXXX XXXX XXXX ( Assistant Vice President ) Phone : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: NV

Complaint narrative:
We obtained a retail installment loan to purchase a water treatment system for our house. That was in 2016. I have copies of the agreement. 

At no time was I advised that there would be a UCC financing lien placed against my property. When I started the sales process I was advised of this issue. 

I then had to pay the loan off completely in order to sell the house and transfer title. I was not in a position to do this and it has made me unable to complete the financing of a property I was attempting to buy. 

I feel this should have been disclosed to me at the time of the agreement. Company is XXXX XXXX XXXX XXXX, sold to XXXX XXXX XXXX then a credit union to service the loan. 
Date : XX/XX/2016 {$6200.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To whom it may concern : I XXXX XXXX XXXX am a victim of identity theft and identify fraud where XXXX XXXX XXXX and XXXX XXXX XXXX two wanted fugitives for multiple murders. That I reported to the New State Attorney General and the Massachusetts state attorney general. There an active NYS attorney general investigation in to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX as well the two fugitives named above XXXX XXXX XXXX is my mother so she had all my Information as far as D.O.B XX/XX/XXXX S.S. # XXXX My address XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. After I reported my whole family for multiple murders they retailed by XXXX XXXX is my cousin she call all my creditors XXXX XXXX XXXX XXXX XXXX and making false claim of my accounts being put in to collection. XXXX XXXX my sim card out my XXXX and creating XXXX dollars in fraudulent charges and called XXXX put it in to collection not once but twice. After it was resolved with XXXX and XXXX off my credit report do to fraud. These events have adversely affected my Credit score before the fraud I was an XXXX with XXXX XXXX now Im a XXXX with XXXX XXXX. Please restore my credit score to where  it was before the Identify theft and the Identity fraud that I reported to the F.T.C and other agency CFPB years ago. If not I will be forced to take legal action. Thank you XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates
State: CA

Complaint narrative:
I cancelled my service with XXXX  on XX/XX/XXXX. In XX/XX/XXXX XXXX withdrew {$180.00}. When I called XXXX  on XX/XX/XXXX to investigate they to told me the over withdrawal was their mistake and they would issue me a refund for {$120.00} I was promised a refund and as of today XX/XX/2018 after calling XXXX  month After month I have not received my refund and now XXXX reps are disputing with me. I have a balance debt with XXXX  for {$130.00} for terminating early but what about my refund? Why did they withdraw {$180.00}. On XX/XX/XXXX if I canceled my service on XX/XX/XXXX and I still have a balance debt with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A mortgage lending company pulled my credit on XX/XX/2018. I reviewed my credit report and found several errors and several accounts that do not belong to me. On XX/XX/2018 I submitted a credit dispute to XXXX XXXX, XXXX. In the credit dispute, I described the errors with my credit report and asked the credit bureau ( Experian ) to remove the accounts from my file. On XX/XX/2018 I received a reply from Experian stating they received a certification that the information is accurate. But they have not provided me with any documentation or other evidence to support their claim.

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 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed a couple of accounts reporting by Experian, since XX/XX/2018 which were the first round of certified mail, then in XX/XX/2018 was the second round of certified mail. XX/XX/XXXX, I received a return to sender and sent a copy of that mail to Experian. Experian has not investigated the matter and keep sending mail that the account has been updated. On XX/XX/2018 I sent out my 3rd round of certified and I have received the same updated response. They also refused to reverse the findings, not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I have been paying my mortgage payments on time and sending in extra so that I can pay my mortgage down faster. But the balance of my mortgage is increasing. It was down to {$39000.00} but now it is showing that I am at {$42000.00}. 

Also, I have been XXXX since XX/XX/2018. My rate has been lowered since I am on orders but I received a letter stating that they are going to increase my rate again, But I am still on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
So after paying my mortgage and homeowners insurance for years. No major claims. fighting with the insurance company for over a year ( XX/XX/2017 ) for damages caused by hurricane Irma. Finally got a fair settlement after getting a lawyer and went through litigation process. Bank Of America wants to make the process even more difficult by implementing a process that makes no sense and only disrupts the homeowner negatively. Rather than simply endorsing the insurance payment check. BOA wants me to send it to them. So then can place the proceeds in a interest bearing account. I need to now send them all the insurance paperwork for the claim ( the insurance company has this information. why not contact them? ) The adjuster report and a contractor information before they endorse? Where was BOA a year ago when there were damages to the property? if i filed no claim and report no damage BOA would have no clue. so why do BOA want to take the insurance proceeds and place into an " interest bearing account '' while verifying repairs are done??? Mind you i would have to pay taxes on the interest. so why an interest bearing account?? How is this beneficial to the homeowner? this only Benefits BOA. Is this another way for financial institutions to rob hardworking honest people of their rightful claim and peace of mind? while fattening up their bottom line? this is money paid out by the insurance company and i find it very unfair if not mean spirited for after a whole year going through lawyers to get a fair payment, BOA   now wants to essentially slow up the repair process and possibly make money off a insurance claim payment??. Is BOA getting kickbacks from the insurance company?? I need the CFPB to really look into this process as it doesn't feel right and look right. And again, anything related to the claim that they want to verify, I am sure they can do that directly with the insurance company. Again this puzzles me because its not BOA paying out the funds, it's the insurance company who have after a lengthy litigation process made the payment!

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