vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: NJ

Complaint narrative:
I am sure we owe no debt but we keep getting a call from XXXX and it was always an automated system caller. It never mentioned who we were and what it tried to reach out to. It always asked us to call back to a XXXX number which totally makes no sense.

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 2018-02-03 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: IL

Complaint narrative:
Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and 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 2018-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TN

Complaint narrative:
On XX/XX/XXXX, I was notified by XXXX from my XXXX account that a collection debt was flagged. XXXX/XXXX and the collection agency they use XXXX XXXX XXXX XXXX ( ERC ) put a debt collection on my credit report and I never received a bill. This charge is from XX/XX/XXXX! I paid a previous balance in XX/XX/XXXX and the debt was paid. They also had my current address and current phone number which has not changed. I called XXXX/XXXX and have called the collection agency and complained about this. They are currently saying I owe a debt of XXXX which I do NOT. We have also learned the reason why I owe this is because when I paid for the service back in XX/XX/XXXX at one apartment and then had to move into another apartment 6 weeks later and transferred the service, they did not transfer the ENTIRE service! They have admitted the billing/ accounting error and have still demanded I pay the XXXX. After numerous complaints and numerous back and forth phone calls, a lady from their administration service has told me the bill is valid. After researching on this and I demanded them to send me a copy of the contract and paperwork, they have told me they can not produce it! So I am being told by these 2 ridiculous companies that I owe a debt of XXXX with no contract or paperwork and no previous bills ... When I paid the debts in XX/XX/XXXX, nothing was ever stated to me nor mailed. One more thing, both debts on my XXXX  credit report states PAID and CLOSED. So after reading this situation, please let me know if you can help me. Today during a conversation with XXXX/XXXX, they told me that the debt collection was through XXXX, the debt that was reported on my credit was through ERC. XXXX XXXX XXXX XXXX. I have also disputed this debt with XXXX, XXXX, and XXXX. I also have some screenshots saved and a few conversations recorded from XXXX/XXXX, and yes they were told they were being recorded. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The following are unauthorized credit inquiries reflected on my report and they are without a valid need : XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They lowered my credit score most likely and led to financial damage when I applied for credit so I'd like to be fairly compensated.

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 2018-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Federated Law Group
State: FL

Complaint narrative:
XXXX XXXX purchased a credit card debt from XXXX XXXX XXXX, assignee of XXXX XXXX   and hired FEDERATED LAW to represent them in the Court of law in order to collect on the debt. On XX/XX/XXXX, a lady named XXXX who claimed to be with law enforcement agency and wearing a " badge '' and shorts, t-shirt, flip flops, came to my place of employment with her XXXX small children. She was asked to leave by human resources and to contact me at home. She left and then immediately called my place of employment again, being harassing. She left her number and I called her to try and set up an appointment and all She stated was someone would be out next week to my home address, which I verified with her, as I believe she was trying to give me Court papers. Instead, On XX/XX/XXXX, she showed up again at my place of employment. I asked her to please wait outside as I was getting ready to leave work and I would meet with her. I came out and she was still inside. I told her I needed to use the restroom. She said " really '' I said yes. Then when we got outside she continued to stand by the employee entrance area. I said this is embarrassing and why didn't anyone come to my residence. She accused me of avoiding her and threatening to fine me. They took me to court and Sued me and unfortunately the judge sided with them which I disagree with. Not only violating the FDCPA, the company failed to provide evidence that I owe the debt and that they have a claim in the debt. I asserted lack of standing not to mention being threatened, harassed and humiliated at my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I have a foreclosure sale date scheduled for XX/XX/2018. I had submitted my offer to the bank for a short sale. When i phoned my lender they stated that i can submit the offer if i want to, but they doubt if they will be able to review it in time to postpone the foreclosure sale. I just need for the bank to give me a chance and review my offer. I am trying my best and doing what i can to make it through this tough and trying ordeal. A fair resolution to me, would be for the bank to consider my offer and accept it so that i can move forward with my life. I am stressed out and worried over being put out of my home, but i know that this is my situation and i am trying to bring it to a reasonable resolution.

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 2018-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WI

Complaint narrative:
I have been sent multiple letters from XXXX XXXX XXXX for a supposed old XXXX phone bill. The amount is for {$540.00}. I have sent in multiple debt validation letters and the company won't validate it yet it is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Please refer to # XXXX and # XXXX submitted on XX/XX/XXXX and XX/XX/XXXX respectively regarding the issues with XXXX or XXXX. 
Previous complaint ============================= At that time - this company simply tried to put the matter under the carpet/rug. I am facing the same issue since XX/XX/XXXX. I have updated my XXXX profile so that with my cell # - my ally bank account is associate and NOT XXXX XXXX. XXXX XXXX was the old one and ally bank is the new one. But still anytime any payments which are coming to my cell # - it goes to the old account ( XXXX XXXX NOT ally ). I reached out to Ally and then to XXXX XXXX ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. Today I called at XXXX during XXXX XXXX to XXXX XXXX and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. I end up paying fees from the bank due to this. 
============================= Now Spoke to XXXX at XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX CST. Have the entire recorded conversation and could share with you. Previous complaint. Till now this issue is going on. My payments ( made to my cell # ) some times goes to Ally Bank and sometimes to XXXX XXXX. I have to maintain two accounts and it's a lot of hassles. Nobody ( Ally, XXXX XXXX and XXXX is taking the accountability and responsibility ). I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. It's very dangerous and chaotic. Worst wait time on the support is too much ... Wasting time with Ally, XXXX XXXX and XXXX customer service for no fault of mine.

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 2018-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Please refer to # XXXX and # XXXX submitted on XX/XX/XXXX and XX/XX/XXXX respectively regarding the issues with XXXX or XXXX. 
Previous complaint ============================= At that time - this company simply tried to put the matter under the carpet/rug. I am facing the same issue since XX/XX/XXXX. I have updated my XXXX profile so that with my cell # - my XXXX XXXX account is associate and NOT Wells Fargo. Wells Fargo was the old one and ally bank is the new one. But still anytime any payments which are coming to my cell # - it goes to the old account ( Wells Fargo NOT XXXX ). I reached out to XXXX and then to Wells Fargo ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. Today I called at XXXX during XXXX XXXX to XXXX XXXX and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. I end up paying fees from the bank due to this. ============================= Now Spoke to XXXX at XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX  CST. Have the entire recorded conversation and could share with you. Previous complaint. Till now this issue is going on. My payments ( made to my cell # ) some times goes to XXXX XXXX and sometimes to Wells Fargo. I have to maintain two accounts and it's a lot of hassles. Nobody ( XXXX, Wells Fargo and XXXX is taking the accountability and responsibility ). I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. It's very dangerous and chaotic. Worst wait time on the support is too much ... Wasting time with XXXX, Wells Fargo and XXXX customer service for no fault of mine.

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 2018-02-03 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I applied for a Chase credit and got denied for opening too many credit cards opened in the last 2 years. I equally closed as many credit cards as I opened. Did they look at that?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
Chexsystems, Inc obtained and provided my consumer report to a 3rd party without consent on XX/XX/XXXX with information obtained by XXXX XXXX new business membership department with XXXX XXXX XXXX XXXX at the same address. XXXX XXXX sent a notice of adverse action to my job. All three of my credit files has a security freeze with a fraud alert. I did not personally apply for any loans or credit with XXXX XXXX XXXX and/or XXXX XXXX. I reactivated my membership with XXXX XXXX in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been a XXXX  as a XXXX XXXX XXXX. I have been a XXXX since 2001. My loans should be forgiven. Navient will not give me the information that I need to have my loan forgiven. That do not have any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: PA

Complaint narrative:
I am unable to file an online dispute via the Transunion website. This problem has been ongoing since filing an online dispute back in XX/XX/2017. This dispute was cleared towards the end of XX/XX/XXXX, but ever since then it's as if my account has been locked and new disputes can not be submitted. The process I am using is through the Transunion Dispute Center - I am able to select " Start an Investigation '' and enter the reason for the dispute, but absolutely nothing happens when I click continue. I have made repeated calls to Transunion and nobody seems to be able or willing to help. I am constantly shuffled between customer service and disputes, and it's not uncommon that I talk to someone from each of those departments four or five times in one phone call. This is absolutely maddening and I don't know who else to turn to for help.

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 2018-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2017 my wife and I identified six withdrawals from our Bank of America joint savings account totally over {$21000.00}. One of these withdrawals was listed as payment for an installment loan ( {$8000.00} ) and five of the withdrawals were apparently payments applied to a credit card at XXXX XXXX. Neither my wife nor I authorized these withdrawals. This account is not an account we use frequently -- we most often make deposits and occasionally make transfers to our checking account. The account number would be known to few individuals other than myself, my wife and personnel at Bank of America. We did not lose our bank debit cards, so the only possible access to the account was through electronic access, which would have required an ID and password. 

We immediately contacted the bank, which was unaware that the account had been accessed by an unauthorized individual. We closed the account and the bank " opened '' a new account into which to transfer the remaining funds in the compromised account. Subsequently, but not immediately, the $ 21,000+ was returned but placed in the wrong account, one that belongs to my wife and daughter rather than the new joint account. Subsequently we moved the funds to the correct account. The new account was set to have federal withholding tax withheld without our authorization. Information in the old account was no longer accessible to us. 

I have repeatedly asked for an explanation of how our account was accessed and by whom. I have also asked what steps the bank intends to take to assure that such unauthorized access will not occur again. To date, I have received no explanation regarding the unauthorized access nor any statement about how such access will be prevented in the future. Indeed, Bank of America has offered no information and insists the problem is at XXXX XXXX which received the transfer of the unauthorized funds. 

I appears to me that there was a data breach involving my account that Bank of America is covering up. My wife and I have been greatly inconvenienced and are very concerned about the safety of our accounts.

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 2018-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I have been a customer of Citizens Bank, ( branch office in XXXX, Ct, ) for several years. Since inception, I have had ongoing issues concerning late fees with all three of my accounts ( account numbers listed below ). I make payments electronically via XXXX  XXXX XXXX and arrange for payments to be made on the scheduled due date. The checks are delivered per XXXX XXXX XXXX but invariably are not posted to the respective accounts for up to 5 to 7 days later. After many conversations and requests to have fees waived which have been honored I was refused a request today when I have called to inquire once again as to why charges were assessed. It appears that the back office processing of payments consistently is late resulting in fees being charged. I have spent numerous hours and patience on calls etc. Since this not an issue with any other accounts that I pay through XXXX XXXX I have concluded that this issue is one which is done with the intent to defraud the customer. I would be curious to see how much revenue is generated via late fee assessments and how many fees are assessed to the customer base. I have today made payments to close two credit card accounts and will arrange to close my Equity Line as soon as possible. 
Thanks for your assaistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX Account # XXXX ( XXXX XXXX XXXX ) Account XXXX ( equity line ) Account # XXXX ( XXXX XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, XXXX  and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted BMW Financial Services and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report 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