vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wrote a check for someone back in  XXXX     2016 a nd the person lost it. I reported this to bank of america and submitted an official claim.   A month or so later I noticed a fraudulent debit from my account ( made in  XXXX  while I was in  XXXX  - the check was stolen in  XXXX  ) and I alerted the bank. They told me to open another account and transfer my money over but keep the original account open as the refund for the check would go into there.   It 's now been 6 months since that happened, I still have not been refunded the check and my active account is constantly being charged the monthly fee for not having any funds  in it ( how can I  when it 's compromised?! ) as well as extended overdraft fees resulting from that.   At this rate the check amount ( a mere {$2 20.00} ) will not c over the fees I have been and continue to be charged by the bank. I feel this is being done on purpose and I am incredibly unhappy about 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 monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
The company will not remove the item from my report. I agreed to pay the debt off if they deleted it. I paid and its still on the reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
On  XXXX   XXXX    XXXX  , I received another collection call for a debt owed by a  XXXX   XXXX . There is not and never has been a  XXXX   XXXX  at this number. I have received monthly calls from multiple debt  collectors, and feel very harassed by this. Not one debt collector will divulge the originator of this harassment. I do not feel that these debt collectors are using due diligence when they continue to co ntact persons not affiliated with the debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
XXXX XXXX, 2017 opened checking acct by depositing my pension check, tried to get cash for bill paying, including making my mortgage payment in a timely manner by check ( as per usual ). the new vice president/manager XXXX XXXX refused to allow me to follow this regular type of procedure i have used month after month with any other bank. the bank i am complaining about is mufg union bank at XXXX XXXX XXXX XXXX calif. XXXX XXXX refused to allow me to make my own mortgage pmt, insisted she wanted to make the payment herself and that she wanted me to provide her with a copy of my mortgage bill. I stated that although i could provide that, it still is my role to pay my own mortgage. I have not provided her with a copy. I learned later in the week from one of the tellers that XXXX XXXX did not deposit my pension check in the usual manner, but instead sent my pension check back to my pension department : " XXXX  XXXX XXXX XXXX XXXX. 'XXXX XXXX complained to XXXX that an appropriate approving signature was not present on my pension check, wherein the party taking the call ( i could not ascertain who that party was ) informed XXXX that if she would look on the other side of the check, she would find that very easily. this held up my receiving any monies from my acct for about one week, and i was therefore 'broke. '' XXXX XXXX did not discuss or allude to any teller providing me with any cash until over one week following the opening of my account. she did not discuss if there would be any fees if i left this bank prior to 30 days ; however, i am very concerned that she would charge me a substantial fee to exit. i overheard a bank employee state that she charged me {$5.00} dollars to deposit my pension check. XXXX XXXX has never responded at any time to any of my clarifying telephone calls to her.

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 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
In   XXXX  , I called this debt collector to state the the debt was not mine, and I did not owe them. They failed to send me any documentation proving that the debt was min e ( no   contract ). I never heard anything back from the and 30 days had already passed. Representative I spoke with claimed they did not have to prove it, which was a absolute lie.

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 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Collections, Inc.
State: TX

Complaint narrative:
The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. Please and thank you! I hope you have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: OH

Complaint narrative:
I have taken out fou r loans via Sallie Mae  to pay for my college tuition. I have made on time monthly payments consistently but in the current state I am in now, I can not financially make the monthly payments .I took out an excess of {$55000.00} and my loans are currently holding interest rates of 11.375 %, 9.5 %, 10 %, and 9.75 %. I have contacte d Sallie Mae 's  customer service desk to see if I can have my interest rates reduced and they stated I must go into collections in order to receive any type of help for repayment options. Once I went into collections, I received  4 to 5 calls per day from an automated service stating I am past due  and need to contact the collections department. Once I called the collections department I got the run around and was told I had to pay my account up to date in order to receive any type of assistance and could only offer a forbearance for my current financial difficulties. The representative,  XXXX  ID :  XXXX , I spoke with put me on hold and forgot to mute herself. I heard her speak with her supervisor and I heard laughter once the representative I spoke with asked her supervisor if they could offer me an interest rate reduction. Before the representative got back on the phone I heard her chuckle and say " I am going to get him to pay before we are done ''. The level in which they treat customers has completely disgusted me and I still have been unable to receive any type of assistance and currently struggling to meet ends meet.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed a bankruptcy for accuracy and the first letter I received back stated that they had confirmed with a third party  XXXX   XXXX . I asked for a signed document and also stated specifically that I did not authorize  XXXX  reporting. My   XXXX   XXXX   report has a security freeze and could not possibly have been obtained. I sent a second letter to all  XXXX   CB ' s requesting once again that they verify the accuracy of the information and specifically again asked for a signed document stating that the account was in fact mine. The second letters I received expressly stated that they verified with the credit grantor and that they verified its accuracy which in this case would be the courts. I have a letter from the  Court stating that they do not verify ANY public records to the credit bureau. So this makes 2 letters back with 2 different storie s about how they allegedly verified this information of which both are inaccurate. On  XXXX   XXXX , I called the  XXXX  credit bureau and spoke with  XXXX  from the " all-star '' team who refused to tell me who verified my information. I have been lied to and deceived now 3 times by this agency and the others and I am thoroughly disgusted with the manner in which they are neglecting the care of my credit file and mismanaging my information in a negligent manner. This  is MY credit  file and I have a right to know what is going on with the dispute of the information and it should be absolutely transparent to me the process they are taking and the information obtained. Please help me get this information removed as they have not done what was asked in the prescribed time allotted and ignored my request to investigate correctly. Had they done  the job right the first time I would n't have had to request this   a 3rd ti me. I will also be sending copies of this to the BBB and the Attorney General for review.

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 2017-05-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed a bankruptcy for accuracy and the first letter I received back stated that they had confirmed with a third party  XXXX   XXXX . I asked for a signed document and also stated specifically that I did not authorize  XXXX  reporting. My   XXXX   XXXX    report has a security freeze and could not possibly have been obtained. I sent a second letter to all  XXXX   CB 's  requesting once again that they verify the accuracy of the information and specifically again asked for a signed document stating that the account was in fact mine. The second letters I received expressly stated that they verified with the credit grantor and that they verified its accuracy which in this case would be the courts. I have a letter from the  Court statin g that they do not verif y ANY  public records to the credit bureau. So this ma kes 2 letters back with 2 d ifferent stories about how they allegedly verified this information of which both are inaccurate. On   XX/XX/XXXX  , I called the   XXXX   credit bureau and spoke with  XXXX  from the " all-star '' team who refused to tell me who verified my information. I have been lied to and deceived now 3 times by this agency and the others and I am thoroughly disgusted with the manner in which they are neglecting the care of my credit file and mismanaging my information in a negligent manner. This is  MY credit  file and I have a right to know what is going on with the dispute of the information and it should be absolutely transparent to me the process they are taking and the information obtained. Please help me get this information removed as they have not done what was asked in the prescribed time allotted and ignored my request to investigate correctly. Had they done the job right the first time I would n't have had to request this a  3rd tim e. I will also be sending copies of this to the BBB and the Attorney General for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have submitted in writing via certified mail   on two occasions a request for validation showing my signature of this debt they say I owe. They have yet to furnish this information to me.
1. original letter requesting validation with my signature   was sent and received by them on  XXXX .    2.  On  XXXX , I did not hear from them via mail so I again requested validation and the second letter was received by them on  XXXX   XXXX . On  XXXX , I receive a letter from them stating that their information is correct and sent me a copy of a statement. Which is not validating this account with my signature.     Based on the facts that they have not validated this account showing my signature, I am requesting that this derogatory account be removed from my account.     Enclosed for proof are copies of return receipt and signature from them showing that the letters were received by them. Also, is there letter that they sent out on  XXXX  and received by me on  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I was going to buy a car at   XXXX   XXXX   XXXX   XXXX   XXXX   Wisconsin. The finance  manager told  me there should be no problems and I would be approved for a loan. I told him if he encountered any problems to contact me by phone or email right away. Well he never contacted me, and instead ran my credit  XXXX  times. I did not approve of this.

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 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: MD

Complaint narrative:
XXXX   XXXX  reported an account to the credit bureaus without advising that they planned to do so or providing me an opportunity to dispute the debt. I did not receive notification from  XXXX   XXXX  prior to reporting a charge off to my credit report.  XXXX   XXXX  is not in compliance with the FCRA and other guidelines with reporting information on an individuals credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I filed a complaint with this company previously. They responded by stating that they sent me information verifying my debt.To the contrary I received a bill that did not have an accurate physical address. This would have not given me the opportunity to reprocess my bill through insurance or dispute this bill before it was placed on my credit. In addition I sent debt validation letters via certified mail and I have not received a bill with the accurate address nor has this company provided a copy of my signature with the provider of service to release my medical information to you. Another account was also placed into collections by this company. I sent a validation to this company as well and have yet to received a response. It has been past 45 days for both certified letters.

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 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
Ditech Financial T hey have sent numerous letters and to be perfectly blunt they lie. They have been given several notifications of insurance on the property and they continue to charg e Hazard Insurance. T hey sent a letter to us stating they had received our insurance information and would stop charging us and refund all back payments They continue to charge us and now are saying they never got confirmation of insurance.     I looked up top complaints o n Ditech an d every single issue we have had is the same as everyone else. They change account numbers so your payment is rejected ( I have never been able to pay via our bank correctly for over a year ) They lie about receipt of documents. They ruin your credit report and they are so incredibly dishonest. They need to be investigated and closed down.     I do not know what you can do and how this can be fixed but I am tired of fighting with them constantly. I wont even let them call me anymore because they lie on the phone so much

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: CA

Complaint narrative:
About 6 months ago I received an alert that my credit was accessed by a company called  XXXX   XXXX . I had never heard of them before and i did not initiate any business with them so i called the bureaus to have the fraudulent inquiry removed from my credit. I also found the company online and saw there were no such banks in my area, I live in CA. I had been a victim of Identity theft in the past so i updated the police report to show the inquiry.     In  XXXX  of  2017 , i noticed another inquiry on my Equifax credit report and a account. I was told i needed to file a police report with the account number. I did and the account was removed in  XXXX . Now the account has been re inserted to my credit as well as another inquiry from another company. I thought i had a freeze on my credit and apparently that is not the case.     Remove Fraudulent Account  XXXX  Remove Inquires  XXXX   XXXX   XXXX   XXXX / XXXX / 2017  / XXXX /17

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I filed a case and the case number is  XXXX . Chase responded but did n't refund.The problem is not solved. But the case was closed.   Please investigate this case.   Please tell me if you need any documents, including tons of emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had two student loans from XXXX XXXX which were serviced by Navient. In XX/XX/XXXX i filed chapter XXXX bankruptcy receiving a discharge in XX/XX/XXXX. From that point forward, Navient has made a breve of errors in reporting both student loans incorrectly. I have made over 15 disputes from contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided XXXX XXXX guidelines when disputing. I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on the Credit Reporting. Navient, and each bureau, have violated Fair Credit Reporting Act, US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint. By Navient continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly. Furthermore, I continued to pay my loans as best as I could and in XX/XX/XXXX I settled both loans with Navient by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance. After 6 months of additiona disputes and conversations, Navient indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring a private Right of action for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights. Over 2 years since I 've settled and paid for these loans, Navient continues to damage my credit because they simply refuse too. Please get this corrected and allow me to sue Navient for its willful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
On  XXXX  I sent a written certified receipt lett er to JH Portfolio Debt Entity req uesting validation of this account showing my signature. They received this on  XXXX   XXXX ,  2017 , I received no response as of today. On  XXXX , I again sent a second written certified receipt letter to  JH Portfolio Debt Entity re questing validation of this account showing my signature. I received no response as of  XXXX . This account is now switched to closed account derogatory on some credit reports, without any validation from their end. It has been 45 days since they received my first correspondence.     Amount :  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