vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 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: GA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 60 days past due on XXXX   XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
XX/XX/XXXX RMP LLC XXXX XXXX XXXX XXXX. In XXXX XXXX RMP- # XXXX Creditor Number XXXX- XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX TX XXXX XXXX While trying to obtain correct balance of a debit that XXXX XXXX XXXX XXXX XXXX XXXX. for medical services dated XX/XX/XXXX, that was never sent to me until XX/XX/XXXX. They forward to RMP LLC collection to immediately place on my credit report public records to force me to pay something that balance was wrong. Instead of working with me to correct the issue. RMP refused to request from XXXX XXXX XXXX XXXX XXXX XXXX documentation for the correct amount. I had to research of the information for RMP and XXXX XXXX XXXX XXXX XXXX XXXX. Thru XXXX XXXX XXXX XXXX ( XXXX ) of TX that XXXX XXXX XXXX XXXX XXXX XXXX was paid for their services under XXXX contract amount. Then XXXX XXXX XXXX XXXX XXXX XXXX, then forwarded the rearming balance requested by XXXX XXXX XXXX XXXX XXXX XXXX. Of {$2.00}, XXXX on XX/XX/XXXX after submitted at the request of XXXX to filing on my XXXX claim with my auto insurance XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Then sent update to RMP that I was correct and did not owe {$4500.00} but {$2100.00}. RMP employee stated payment number XXXX confirm payment, identified herself as XXXX and Manager identity himself as XXXX since I was correct about not owing that original amount and paid the correct amount, stated they would email me a letter saying the debit was paid in full and remove the collection from credit file. As of XX/XX/XXXX, I never received the letter stating debit was paid, nor did they remove the collection from my credit file.This is an example how collection agency uses the credit report system to file derogatory marks to force people to pay something they do not owe. Then after agreeing to the error they never remove the derogatory marks from the person credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
I purchased what I thought was XXXX dollars of XXXX Clothes. 
In XXXX on the XXXX I discovered I was billed over XXXX! 
I immediately called Suntrust I was told to wait 6 months. 
Over and Over again. I was told to wait 6 months. 
I waited six months. In that time I contacted the seller 5 times to no answer. 
I contacted XXXX. They sent an email stating it would have to be a bank reversal as this consultant had no answered their emails or calls as well. 
I opened a fraud case # XXXX. First the money was put into my account and then I received a letter. It said they had made a mistake and took it out XX/XX/XXXX. 
Next I received a letter saying I had to file within 60 days so they closed the case, I was told 6 months via phone in customer support NOT 60 days.

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 2019-04-26 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: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
OnXX/XX/2019there was a hard inquiry on my Transunion credit score from XXXX  XXXX XXXX XXXX XXXX. I did not apply for any Credit Card as I just completed a Bankruptcy in XX/XX/2019. I called the phone number that came with the hard inquiry from XXXX XXXX. The lady there told me to call Transunion. So, I proceeded to call Transunion. The lady there explained the deletion process. I was to call XXXX XXXX back and get a " Letter of Deletion '' from them. Once I received that, then I was to send that with a letter of Authorization to Transunion : XXXX XXXX XXXX, XXXX, PA XXXX, and to make sure that I include my Name, address, last 4 of my SS #, and the File # XXXX. So, I call XXXX XXXX  back. First I get XXXX - she was unable to help me at all so I asked for a supervisor. I get XXXX on the line and he proceeds to tell me that he can not give me a letter as this is a known issue between Transunion & XXXX XXXX - he called it " Naming Table Translation ''. I have no idea what this means, but again, I was told to call Transunion. So, one more time I call Transunion. I speak with XXXX. I again get the same story but he is going to mail me a copy of my Credit Report ( not sure what that will do ) - you need to call XXXX XXXX. I am so frustrated at this point. I do not have any documentation other than my Credit Report showing the hard inquiry.

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 2019-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I need Bank of America to immediately recover and return to me all money and fees associated with an international wire transfer I submitted several weeks ago, in which my money was apparently " lost in transaction ''. 

I am a long-time client with Bank of America. On XX/XX/2019, I submitted an online international wire transfer with Bank of America. The wire was in the amount of {$2000.00} ( XXXX XXXX XXXX XXXX XXXX ), issued from my personal account with Bank of America to my personal dollar account in XXXX with the bank " XXXX XXXX XXXX XXXXXXXX '' ( XXXX ). 

All information submitted for the online wire was correct : the IBAN number I was asked to submit was validated as the correct receiving bank, XXXX. ( See attachments ). Following the online transaction, I received a notification from Bank of America that the wire had been completed. However, upon reading the notice, I discovered that the receiving bank mentioned on the notice had been incorrectly designated. ( See attachments ). My money never arrived. Neither Bank of America, nor my XXXX   XXXX, seem to know where the money is currently held. 

Apparently the wire was momentarily in the possession of the XXXX XXXX " XXXX XXXX XXXX XXXX XXXX '' ( XXXX ). This bank functions as the international intermediary in XXXX to Bank of America. XXXX claims the money was in fact returned to Bank of America on XX/XX/XXXX, following a " Reclamation '' initiated from Bank of America on XX/XX/2019. Bank of America claims they never received the funds. 

At this point, neither bank is taking responsibility for the missing money. Each bank is blaming the other and no serious attempt has been made from Bank of America to recover the money. They have seemingly washed their hands of the affair. Nine weeks have passed since I submitted the wire, and I am now in serious need of recovering the {$2000.00}. Please assist in this matter, so it can be resolved. The problem sits squarely with Bank of America, since they are responsible for any errors arising from their intermediary banking partners.

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 2019-04-26 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: NY

Complaint narrative:
My Experian credit report and thus all related reports using Experian show 7 accounts with late payments. I actually have absolutely no accounts with late payments. 

When I try to determine what accounts Experian is referring to in order to file a dispute, all accounts report that there have never been any late payments. 

Each account reports " This item already shows that you are current and the terms of your agreement with the creditor have been met. This means that you were never late with your payments, so this item can not be disputed using this reason. '' There is no way to open a dispute because no account actually has late payments. 

Experian does not provide any way to file a ( necessarily general ) dispute at any of their telephone numbers. It appears impossible to reach a live representative at any of the numerous telephone numbers provided by Experian or found online. 

I would like to open a dispute with Experian requesting specific information on what 7 accounts purportedly have late payments, and upon failure to supply supporting information, have all reports and indications of late payments removed from my credit report.

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 2019-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had appealed my property tax value and was expecting to receive a refund from the county tax assessor for {$1500.00} from my XXXX property taxes. However, because my property taxes were paid through my mortgage payment the county erroneously sent the refund to Wells Fargo on XX/XX/XXXX. When I requested that they put the refund in my Wells Fargo checking account, they denied my request and kept the refund as a credit towards my future property tax payments. Which were also going to be reduced and would create an excessive credit balance going forward.

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 2019-04-26 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I contacted my credit card company and asked for a reduction in my very high interest rate of XXXX. I explained my financial hardship and spoke to XXXX different customer reps. I am a single mom with XXXX children. I am paying so much in interest that I will never pay this card off. I'm frustrated because I want to pay off my debt. I was told that I need to be delinquent before they can help me. I asked for a payment plan where I can pay around XXXX dollars a month and get this paid off asap. I also said if they needed to close my account to do this, I was willing to do that. They said I had excellent history but had no offers at this time to help me. They also didn't want to lose me as a customer. I have tried numerous times to work with them. Do I need to not pay my bill to get help?? Please help me.

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 2019-04-26 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: CO

Complaint narrative:
Transunion is reporting incorrectly that I am 30 - 60 days past due on XXXX XXXX   - account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had attempted to set my account on auto-pay, also attempted to use my reward points towards my bill, both of which does not work on the website, it freezes. Because of that I was charged late fees. Being a customer of several years, I don't normally get late fees, I do not think it was a fair assessment and now have to pay extra late fees on top of the high percentage of interest rates I'm already paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account is a result of identity theft and is not mine. It was fraudulently opened with the original creditor and I am now being harassed. This collector has received a copies of legal documentation from the credit bureaus confirming the account is a result of identity theft, yet they are still contacting me. I attempted to call them however the representative I spoke to today was rude and condescending. They are of no help and are attempting to collect on an account that is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
My father passed and I the property has been left to me, The mortgage has matured out and the mortgage has ballooned out. I need this mortgage modified for a mortgage payment to be affordable and the mortgage fixed for 30years. I don't want to lose the property my mother resides in the property and I also stay there to assist with her care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
On XXXX, XXXX  and XXXX credit reports of XXXX XXXX, and recent credit report of XXXX XXXX Prestige acccount # XXXX derogatory remarks hasn't been removed. 
Prestige is reporting that XX/XX/XXXX, XX/XX/XXXX and other months of XXXX and XXXX Derogatory remarks of 30-59,60,90 days still on credit reports. 
As XXXX, XXXX  and XXXX  are stating that it has been removed. 

My XXXX XXXX checking account ending in # XXXX evidence shows that XX/XX/XXXX, XX/XX/XXXX was paid timely as all payments was made by phone calls to Prestige.Please review XXXX XXXX   statement. 
Also, XXXX XXXX tradeline account # XXXX hasn't been added to XXXX and XXXX I sent a email to creditor Legal Counsel Manager XXXX XXXX XXXX Ext.XXXX fax. XXXX email : XXXX XXXX XXXX XXXX # XXXX balance is not {$240.00} is at {$170.00} as of XXXX XXXX and a payment of {$150.00} was scheduled on XXXX XXXX with my XXXX XXXX XXXX checking account ending # XXXX to be paid on XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I contacted Capital One to send my lien release for the loan I paid off. Capital One instead sent me a lien release of a prior " re-financed '' loan which indicated that the lien was released to a different company ( which it was at the time ). However, I ultimately refinanced the same loan with capital one again and then paid it off. 

I need the final payoff title and lien release for the second loan I've had with capital one. 

When I called capital one autofinance and went through the prompts - the prompt indicated they could not take my call right now and hung up on me. 

I need the FINAL payout lien release and title sent to my attention as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I was an XXXX customer. I had a complaint filed with the XXXX for unfair sales practices and fraud. ( they added services specifically XXXX  XXXX/XXXX XXXX  that I did not request. They also changed my passwords and secret questions ) The complaint was forwarded to XXXX Executive Office. The Executive office rep, Ms XXXX XXXX was able to resolve the issue by dissolving the existing accounts and starting a new profile. She also waived over {$200.00} in fees. I never actually had an account with XXXX  XXXX-XXXX, now Enhanced Recovery Company without communicating via phone or mail has placed this account on my credit file. This account continues to pop up on my credit report from various debt collectors. This is the 4th time and the 2nd time ERC has done this. How do they get away with this? I can only assume that XXXX XXXX XXXX XXXX XXXX is continuing to sell this debt that I do not owe. They made an error in their system, falsely created an account that I did not authorize and now continue to sell this phony erroneous debt. I am requesting that ERC and XXXX  clear up their records and remove this from my credit file. ERC has never communicated with me to give me the opportunity to confirm or deny the debt. They just placed the item on my credit report without process. That is wrong. This is the second time ERC has done this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: MD

Complaint narrative:
This is in reference to a XXXX XXXX Platinum Mastercard secured credit card. The issuer held {$350.00} of mine and I could charge up to that amount every month. I paid in full almost every month and was Never late. 

I was notified on XX/XX/2019 that I was going to be charged a renewal fee of {$49.00} during my next billing cycle, beginning on XX/XX/2019. 
I IMMEDIATELY sent a written notice requesting that my account be canceled Before the charge went into effect. 

Two weeks later I spoke with a Customer Service representative who told me that I was Not being charged the fee, that a check in the amount of approximately {$400.00} had already been issued ( {$350.00} deposit plus a negative balance of approximately {$45.00} ) and that I should be receiving it any day now. 
I can provide proof of that phone call but cant attach it here. 

Today, XXXX XXXX, I was told that charges were approved on the account after I closed it, and that I was being charged the {$49.00} fee even though the card has been canceled. 

I would like the {$49.00} fee refunded. 

The representative was rude and totally unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently faced an emergency in which I take responsibility of making one transaction that overdrafted my checking account. In the days following, there were other ACH attempts on my account that were then tried multiple times which resulted in {$450.00} in fees being assessed to my account. I attempted to call the BOA customer service department and explain the situation and ask if there was any way the fees could be waived and the representative quickly advised me no. After requesting to speak to someone else, the representative then stated there was no one else to talk to and gave me an address to write a letter to if I had additional complaints.

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 2019-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc.
State: AL

Complaint narrative:
I gave the company Dick O'Neal information that the debt that they were collecting was discharged in Bankruptcy. They verified the information last year and changed the information on my credit reports. Now they have went back and mark the credit lines items as being an 180 days  late and made them as active on my credit reports.

Company response to consumer: Closed with explanation