vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 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:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: FL

Complaint narrative:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-02 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: FL

Complaint narrative:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-02 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:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove UNKNOWN XXXX, UNKNOWN XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  , XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 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: FL

Complaint narrative:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX 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 2018-11-02 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: FL

Complaint narrative:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX  , and XXXX 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 2018-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2018 I made deposits on two crises with my Bank of America credit card XXXX. One deposit for {$350.00} and one deposit for {$900.00}. XXXX XXXX XXXX cancelled the two cruises on XX/XX/2018 but did not refipund the deposits totaling {$950.00}. I have yet to receive word from XXXX XXXX XXXX that it refunded my 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 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Since XX/XX/2018, I have been getting late fees added to my AMEX corporate account. This is a card that my company pays in full every month. Unfortunately, AMEX can not substantiate why or where the fees originated. According to them, I owe over {$420.00} in fees, but they can not tell why. 
Every month they add {$39.00} to my billing statement now adding up to {$270.00} from a {$78.00} so called debit charge that they nor I can explain. 
I called again last night XX/XX/18 at XXXX and neither XXXX or her manager XXXX were able to provide me any guidance on what's going on. Including, XXXX had me on hold for more than 30 minutes saying that they could not retrieve my statements due to a slow internet connection. Moreover, I then requested a call back to review my statements and never received one. 
They know I have excellent credit, therefore, they do not waive those fees because they I dont want to ruin my credit. They are taking advantage of my situation even though they can not explain why or when these charges were initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: AZ

Complaint narrative:
In or around the month of XXXX someone had accessed my account using my debit card put in some checks and withdrew {$200.00} from these checks totaling {$460.00} when I realized that my account had been accessed and money had been taken out by someone other than me I filed a claim with the bank stating that I did not do this they sent it to their review and said that it was an authorized debit how could it be an authorized debit if I'm calling them and telling them I didn't do it and when they viewed there cameras on their ATM machine it was a man not me so I had them RI file a claim with a police report and it is it's been almost 6 months and still the problem has not been solved why does it have to take so long I don't understand how the number one they can come to the conclusion that I authorized it when I'm calling them and telling them I did not then when they reopen or redo the claim it's going to take a whole nother 60 days that's not right

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 2018-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
As an employee of this company, part of my job was to try to sell customers a 3rd party product called XXXX XXXX. I actually believed in what I was selling people and added XXXX XXXX to all 5 of my accounts with them. So, every month my statements would reflect the amount of the current balance that paid for the XXXX  XXXX, based on the dollar amount owed on the card itself. 

This was supposed to protect me and my credit should I not be able to make my payments. It would either make payments until I could go back to work or, in the event of complete and total XXXX, pay off the balance owed on the account. 

I was injured in XX/XX/2014, and I was never able to return to work. I am now considered XXXX XXXX  XXXX through the Veterans Administration. I reached out to Account Assure when I was no longer unable to make the payments, at that time I was still on short-term XXXX insurance through the company. I submitted everything that was requested and they never stepped in to help. 

Both the creditor and the 3rd party knew that I had the coverage. Every billing statement bore that out. Even though I was led to believe that the creditor was going to assist me in getting XXXX  XXXX to provide the coverage that I had been paying for, instead they simply turned over the two accounts with balances for collections and then closed the 3 other accounts which were in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
Arvest Central Mortgage This company continues to pay for funds out of my Escrow, without my permission. 

XX/XX/XXXX - Called to let them I was switching insurance companies from XXXX XXXX XXXX to XXXX. Had my new agent from XXXX even call to validate the switch. See attached email verification. I called XXXX who told verified the policy would not activate as long as they did not receive payment for renewal. Thought Okay I have communicated this switch with my mortgage company, all should be good. Even signed a form for the mortgage company verifying which insurance XXXX is correct. See attached. So, they still paid XXXX AND XXXX. So, two insurance payments our of my Escrow. 

XXXX basically a complete re run of XXXX. They received information from XXXX XXXX and XXXX. We, husband and I, called again around end of XXXX XX/XX/XXXX and asked them to verify what insurance company they had on file, they assured us it was XXXX. And, guess what, they still paid XXXX ... AND XXXX. Even though they have a signed, acknowledgment from me verifying the correct is XXXX. 

This is their mistake and they cant stop making it. Called just last night, they say there is nothing they can do even though they are the ones who issued the money out of my account without my permission. These errors are causing financial unnecessary hardship caused solely by this company incompetence. 

When we ask WHAT CAN DO WE DO TO STOP IN THIS FUTURE? They say, we'll make a note that you only want us to Pay XXXX. 

Why would I want you to pay 2 insurance companies? Stop issuing payments out of peoples accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I made a payment within 30 days it was on XX/XX/2018. I paid by check on XX/XX/2018. My payments are due on the XXXX of each month. XXXX  and Equifax are showing that I'm late for XX/XX/2018 payment. 

I've disputed the first time this happened in XX/XX/XXXX with XXXX. Instead the company just updated the information, not actually investigated. Then on XX/XX/2018 it happened again. 

I gave copies of receipts showing payment history. For both XX/XX/XXXX and XX/XX/2018. 

Per Fair Credit Reporting Act you can't place any item as derogatory on your credit report if it's not 30 days late. 

I requested a thorough investigation. The fair credit reporting act states that if there are any inaccuracies or invalid on your credit report it should be removed. As a result this inaccuracy is hurting my credit score drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
To Whom It May Concern, To say I have been patient and tried to work this out through your normal customer service channels would be an understatement. A little background on my situation is I received credit back from purchases from a few stores and this caused my account to have a credit balance on it. Since I was no longer using this card for daily use, I requested Discover to send the excess balance to my checking account. I was quoted a turnaround of about 5-7 business days. That was on XX/XX/XXXX. It is now XX/XX/XXXX, a full 10 business days from the original request, and I am no closer to receiving what is rightfully mine!

I have been chatting with multiple customer service representatives, but the only response I get is to wait longer. I can not wait any longer because I needed these funds to pay my bills! It is absurd that you can take my money same day but can not give me the money back in a timely manner. I am past my point of patience and need this resolved immediately! This is a clearly violation of my rights as a consumer and feels very similar to unfair and/or deceptive business practices! Discover is taking away my right to use the funds that are rightfully mine in a timely manner and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On Sunday XX/XX/XXXX, my father gave me a {$15000.00} check from his XXXX checking account as a loan to pay off my credit card and loan debt. I deposited the check same day via ATM into my Huntington checking account. On Tues. XX/XX/XXXX, the funds were briefly made available and I paid off {$10000.00} in total. Weds. XX/XX/XXXX I attempted to make an {$11.00} purchase at a XXXX store in XXXX Ohio and it was declined. I immediately called the bank and was told there would be a hold on the check until today 's date Fri. XX/XX/XXXX. My {$1100.00} payroll check was direct deposited into my account this morning so I assumed I would have money in addition the the {$15000.00} check from my father that had cleared. I called Huntington and was informed that they put a hold on my account so I have NO access to ANY of my funds for up to 30 days. I have offered my father 's contact info several times if they have questions about the legitimacy of the check and obviously my payroll money should be available aside from the check. I have no access to other funds and have no way to pay my rent, buy food for my child or myself or put gas in my vehicle despite doing nothing wrong and offering solutions to validate that the funds were legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: NC

Complaint narrative:
XXXX XXXX  is trying to collect debt that has already been paid. They are seeking {$220.00} from a South Carolina Emergency Room visit in XX/XX/XXXX. The debt was paid in full to XXXX XXXX XXXX XXXX via credit card on XX/XX/XXXX of which I have a credit card statement as proof. XXXX  XXXX reported this as NEW derogatory debt on XX/XX/XXXX and it is negatively effecting my otherwise stellar credit score via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/18 I had a transaction post on my chase account for {$33.00} immediately after I was hit with an overdraft fee charge of {$34.00}. The next day I went to the atm to withdraw money and rectify the negative account. While checking my chase account online I noticed that a number of overdraft fee had hit my account. The last time I checked the account was nearly - {$110.00} negative. Now, one business day later the account was negative for nearly - {$330.00}. There was 6 charges for {$34.00} in just overdraft fees. I called chase on XXXX, to ask them to remove all 6 overdraft fees and I would pay for the amount that I actually owed. Instead XXXX told me the could only refund me {$52.00}. that leaves me to pay nearly {$280.00}. That means I was forced to pay {$160.00} in overdraft fees. This is unfair, the reason to why the could refund the full amount in overdraft fees is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
Asked via phone calls and email correspondence, to have payment dates moved around, also expressed that payments for the next few weeks would come out on later days due to my current finances. 

The customer service rep XXXX XXXX, has been calling harrassed me, and threatened to send my car in to collections for being as little as a day behind. I requested several times to have someone else take care of my accounts, but she still harasses me. 

I called the number she specified for me to call, and someone else took care of my payment, and she refunded it, because she said she was the only one who could authorize payments on my account. She then threatened to send my account to collections. I assume they must make some kind commission of off payments, so she hounds me to secure her commission. 

I didnt have any problems with my account until she interjected herself. She disables my online account so I cant make payments. And refunded my money, because it takes 7 days to hit my account and now they are going to apply late fees, and report me negatively and reduce my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC.
State: NY

Complaint narrative:
Kondaur Capital Corporation is using faulty information in the servicing of this mortgage loan. 

Kondaur Capital Corporation has failed to deliver required foreclosure protections. 

Kondaur Capital Corporation has failed to respond properly to a Notice of Error and request for information. 

Kondaur Capital Corporation has failed to properly acknowledge and investigate my complaint Kondaur Capital Corporation has failed to correct the Error. 

Kondaur Capital Corporation is engaging in Dual tracking,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
Date of Service : XX/XX/2013 Amount Owed : XXXX Since XXXX I have been trying to have this erroneous reported debt removed from my credit report. It has had adverse affects, especially at a time when I am trying to get a home loan. 
I was part of the hospitals financial assistance program and my date of services was XXXX out and covered by the program : XXXX. 

The hospital sent word that : " Ive just heard back from XXXX XXXX. Theyve confirmed that the account has been closed from ARS ( Ability Recovery Services ) per the financial assistance approval. They have also removed any derogatory credit reporting that was done as a result. '' Yet when I contacted the credit bureaus recently, they say the removal happens immediately once it has been reported and it has not been removed. 

I feel I have very little control over what is happening to my credit. The credit bureaus don't care about the proof I have submitted or what I have to say or what the hospital has to say. They only want to take the side of the creditor which is a 4th party at this point. I can not live with this type of unnecessary stress and now am having negative repercussions for something that never should have been sent to collections and on my report to begin with. 

The hospital has been amazing and has done all they can do. I am extremely impressed and thankful for their help. This is now up to Ability Recovery Services to remove this account from my report immediately. Not when they feel like it, but immediately. 

I'd also like to send a complaint about the bureaus for not performing proper investigations into this and for not accepting the word of the hospital and proof I sent in. This could have and should have been handled immediately once they received all of these documents. They also refused to contact Ability Recovery Services. So tell me, how can they perform investigation on disputes without proper communication? 

Thank you in advanced for your help in 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 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
Over the past few days I've received {$230.00} in overdraft fees, even after depositing money, but because of the way checks and my paycheck were posted I received even more including on a XXXX cent withdrawal. I did the math beforehand and at this point I should have around {$200.00} in my checking account with deposits, but now I have - {$70.00}. There is no way I can continue to pay bills, if I keep getting slapped with these fees on top of fees. I will never get caught up.

Company response to consumer: Closed with monetary relief