vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: KY

Complaint narrative:
I signed up with XXXX and was put on a payment plan through Monterey Financial. On the XX/XX/XXXX I called XXXX and asked if I could pay in full. They took the payment and told me to disregard communication from Monterey Financial. On the XX/XX/XXXX Monterey Financial called me. I explained to them that I paid in full and I need them to remove the late  payment that is now on my credit. They were abusive and rude and I asked if I could prove this. I emailed them my receipts and contacted XXXX. XXXX informed me they would take care of the mishap on the following Monday, XX/XX/XXXX. Monterey Financial called me on Monday, XX/XX/XXXX and said i need to email the receipts again. I informed them that I spoke with XXXX and they will be following up with them later that day, and any information they need they can get from XXXX. They were even more abusive and rude to me. I asked them not to call me ever again. They called again, later that day. XXXX informed me later that day that everything has been cleared up. I informed them I need the late payment taken off of my record and they said that should be fixed when Monterey Financial finishes processing. I received another call from Monterey Financial on Tuesday, XX/XX/XXXX. I am tired of being harassed for payments i don't owe. Please make them stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a bank text stating I would no longer receive alerts and had to register online. I thought that was suspicious. Got online and noticed an amount of XXXX pending.i knew it wasnt me or my spouse. I panicked and called Chase bank immediately. The person on the phone stated he would freeze my account until I could prove who I was. Informing him I was out of town but would do it immediately arriving home. So on XX/XX/XXXX I went into the bank and the banker said he couldnt see why someone would transfer that amount into my savings so he said will close your checking and 3 savings account. At this time I informed him I only have one savings. Upon further checking he noticed that someone opened 2 online accounts and was trying to transfer the money into this accounts. So he closed the accounts and made me a new checking and savings and transferred the funds into those accounts. The next day I tried using the accounts to find out they were frozen. I went back to the banker he said he wasnt supposed to open those accounts and now its under investigation and to this day I still dont have my money. I started a claim and when n I call to follow up everyone is telling me a different story. The new account happens at XXXX Ca. Chase Bank XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
It has been over 30 days since my initial dispute that was sent to Transunion, XXXX, and XXXX  in regards to several accounts reporting on my credit file that were from the direct result of identity theft. I completed and submitted and Identity theft report as per instructed by local law enforcement which included accounts XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, and XXXX XXXX # XXXX. Under the Fair Credit Reporting Act section 605b states not only these accounts should be blocked but also removed if accurate verification is not provided per sections 609 & 611. I have yet to receive any correspondence whatsoever from neither Transunion, Equifax, or Experian so therefore considering the multiple violations being committed only can equate to the fraudulent accounts being removed from my credit file immediately to avoid litigation. These actions are totally unacceptable and violate my consumer rights as well as the FCRA. In addition fraudulent addresses XXXX XXXX XXXX and XXXX XXXX XXXX and inquiries remain on my credit file after I've specifically requested them to be removed. A copy of my drivers license, social security card, and a utility bill was included with dispute to prevent any vague or bogus reponse from the credit bureaus and yet I HAVEN'T received anything at all. My next step is to contact the attorney general a seek litigation if this matter is not resolved.

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 2020-04-14 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: AES/PHEAA
State: PA

Complaint narrative:
I had received forbearance on my student loans through Fedloan, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, Fedloan must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/XXXX as well as XX/XX/XXXX through the current date, and have letters and documentation from Fedloan indicating such. Despite trying to work with Fedloan multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: TX

Complaint narrative:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report datedXX/XX/2019. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2020-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Flandreau Santee Sioux Tribe
State: NE

Complaint narrative:
I emailed a cease and desist letter to rushmore on XX/XX/XXXX. It was received by them. I resent it on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I have continued to receive calls both to myself AND to my employer. On the last 2 occasions that XXXX from Rushmore contacted my employer he left a message with my employer stating that he was calling from Rushmore to discuss my account and that it was important that I called him back. Each time I emailed Rushmore and reminded them that I am NOT allowed calls to my employer, plus that I wanted email or postal mail, to cease and desist calls and that I would like assistance in figuring out how to clear my account since I am affected in work hours by COVID19. They have not adhered to the cease and desist and they continue to ignore my email requests for a response of any ways I can settle my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I moved in XX/XX/XXXX and canceled my XXXX  service to the old address, returned the equipment and paid the amount due after we had moved into the new house. I do not have their service at my new residence so have not had business with XXXX since. 

In XX/XX/XXXX I had XXXX XXXX XXXX place a collections account of {$150.00} on my account from XXXX. I received a call from a collections agent and asked for information of what this balance was for and never heard back. I tried to dispute this with Equifax on XXXX of XXXX and again in XXXX of XXXX which it was not removed. I have spent many hours on the phone with representatives from XXXX trying to figure out what these charges were for and why I never heard about them until there was a collections account on my credit report. I have never received a breakdown of what they were charging me {$150.00} for, over 3 years since I had XXXX  service. 

In XX/XX/XXXX I spoke with someone in XXXX collection department over the phone who suggested I go to one of the XXXX retail locations because they can access account information he could not. I went to the XXXX Michigan location and spoke with an associate that said because the account is so old she could not see what the charges were for but assured me it happens all the time. She offered the number to the collections department that I had just spoke to that instructed me they could not get the information. Her other option was to pay the {$150.00} to XXXX at that location and promised that the collections account would be removed from my credit report. At this point I can only assume it was a bogus charge but I paid XXXX just to be done. 

XXXX XXXX placed the account as paid although there was no payment to XXXX. I was assured that XXXX was instructong the collections agency to remove the account. Neither XXXX  or XXXX  could show me where the charge was coming from and what it was for. I agreed to pay XXXX their bogus charge that they could not prove for them to have XXXX XXXX remove the bogus account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and Im so drained from trying to understand why Wells Fargo is not taking responsibility for the fact that they caused me to apply for Chapter XXXX and also having collateral coverage on XXXX XXXX XXXX when my coverage lapsed on XX/XX/XXXX. I had an accident where CPI was included on my loan # XXXX. I spoke to XXXX XXXX XXXX # XXXX Claim # XXXX Who states that the vehicle must be present for inspection. However at that time I had no clue of the CPI so I didnt know that the CPI should have covered the damages that was included on my loan that I was paying for. I needed up paying for the damages and the vehicle PER THE POLICE REPORT, was serious damages and airbags XXXX!!! At that time THE VEHICLE WAS A TOTAL LOSS!!!! Also, I feel that WELLS FARGO IS IGNORING MY CLAIM BECAUSE I AM XXXX!!! I have witnessed this is familiar behavior for Wells Fargo. There are many claims relating to my situation in their discriminatory behavior. They keep coming up with two or three hundred dollars every few months claiming the last check I received is all that is owed and that is the end of it. Whenever I make a new complaint they find a few more hundred and Im taking this to SUPERIOR COURT!!! I CAN SUPPORT MY CASE VERY WELL OF THEM DEMONSTRATING UNFAIR LENDING PRACTICES AND DISCRIMINATION BEHAVIOR!! IGNORING THE COVERAGE OF THE VEHICLE DAMAGES THE CPI SHOULD HAVE COVERED. I am not claiming the coverage is for personal coverage but it in FACT COVERED THEIR ASSETS! The XXXX XXXX XXXX! Im not going to play anymore games with Wells Fargo because this is their behavior to XXXX people. Im sure I can gather a lot of other people through social media who feels that same way!!

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 2020-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
It has been over 30 days since my initial dispute that was sent to XXXX, Equifax, and XXXX  in regards to several accounts reporting on my credit file that were from the direct result of identity theft. I completed and submitted and Identity theft report as per instructed by local law enforcement which included accounts XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, First XXXX # XXXX, XXXX XXXX  # XXXX, and XXXX XXXX # XXXX. Under the Fair Credit Reporting Act section 605b states not only these accounts should be blocked but also removed if accurate verification is not provided per sections 609 & 611. I have yet to receive any correspondence whatsoever from neither XXXX, Equifax, or XXXX  so therefore considering the multiple violations being committed only can equate to the fraudulent accounts being removed from my credit file immediately to avoid litigation. These actions are totally unacceptable and violate my consumer rights as well as the FCRA. In addition fraudulent addresses XXXX XXXX XXXX and XXXX XXXX XXXX and inquiries remain on my credit file after I've specifically requested them to be removed. A copy of my drivers license, social security card, and a utility bill was included with dispute to prevent any vague or bogus reponse from the credit bureaus and yet I HAVEN'T received anything at all. My next step is to contact the attorney general a seek litigation if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Equifax is taking over 5 months to investigate and send a response back. They are allowed 30 days and its passed its been 5 months they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened the U.S.Bank checking account with promo code XXXX on XX/XX/2020. The advertisement ( Attached # 1 ) from the bank says to receive {$300.00} bonus, you will need to make at least two direct deposits that total {$2000.00} or more within 60 days of account opening and set up online account. I set up the online account and had two direct deposits with {$2300.00}, {$1000.00} and {$1600.00} respectively within 60 days. 

I emailed the U.S. Bank on XX/XX/2020 to inquire about the bonus, and received a reply on XX/XX/2020 from XXXX XXXX saying the bonus is still coming, my friend ( Attached # 2 ). 

On XX/XX/2020, I received a check from U.S. Bank in mail for {$4900.00}. I found myself no longer have access to the online account. I called the local U.S.Bank branch and talk with XXXX. She told me the account was closed by the bank and she had no idea what happened.

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 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
I WAS IN THE PROCESS OF RE-FINANCING MY HOME AND NEEDED TO PAY OFF MY DEBTS AS PART OF THE DEAL. THE ESCROW COMPANY SENT OUT PAYMENTS TO MY DEBTORS WHEN LOAN WAS PROCESSED. ONE OF MY DEBTORS, DCI, I OWED XXXX FOR AN OLD XXXX XXXX. I SPOKE TO DCI AND MADE PAYMENT ARRANGEMENT WITH THEM TO SETTLE FOR {$650.00}, WHICH I HAVE IN WRITING ON XX/XX/XXXX. THE LOAN PROCESSED THE VERY NEXT DAY AND THE COLLECTION COMPANY DCI WAS SENT THE ORIGINAL XXXX OF {$1400.00}. ON XX/XX/XXXX I CONTACTED DCI AND EXPLAINED MISTAKE AND REQUESTED A REFUND. THERE WAS NO RESPONSE FROM DCI AND I REQUESTED A REFUND AGAIN ON XX/XX/XXXX. I GOT NO RESPONSE. I REQUESTED A REFUND AGAIN ON XXXX WITH NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Bank of America is refusing to accept applications from XXXX   individuals for the PPP under the CARES act.

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX   violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report this is a violation on my consumer protection rights.

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 2020-04-14 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: GA

Complaint narrative:
During the COVID-19 crisis on XX/XX/20, an automatic ACH payment on my Amex Card from XXXX XXXX was showing as pending on my XXXX account. I immediately transferred the money from my XXXX line of credit to my operating account on the same day as the transfer. However, XXXX denied the amex payment and Amex had to represent the aCH payment on the next business day. The payment was then processed on that next business day and Amex immediately got their money. However, Amex is insisting on charging a {$39.00} fee, and made me spend over an hour arguing with it while they repeatedly apologized and passed the buck. At the end of the call though, they still refused to credit me the {$39.00} and just wasted over an hour acting like they might and passing the call to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: LoanCare, LLC
State: FL

Complaint narrative:
On XX/XX/20 I received an notification from my credit bureaus that my credit score had dropped 25 points due to my mortgage loan account being reported as closed. I had just recently refinanced my mortgage loan with Loan Care LLC and after receiving funds from the new loan service provider they without notification closed the account, thus causing my credit score to decrease. I contacted the company on XX/XX/20 to rectify the problem and was told they could not fixed the issue because all loans that are paid in full are reported as an closed 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 2020-04-14 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: PA

Complaint narrative:
I had received forbearance on my student loans through XXXX, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, XXXX must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/2019 as well as XX/XX/2019 through the current date, and have letters and documentation from XXXX indicating such. Despite trying to work with XXXX  multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.

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