vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 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: GA

Complaint narrative:
I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX  .   XXXX   , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter   XXXX   in  XXXX . I was not provided any assistance. I reached out to   XXXX   and Transunion and filed a dispute. I received the message dated  XX/XX/XXXX  from  XXXX  : Discharged through Bankruptcy Chapter  XXXX . This account is scheduled to continue on record until  XX/XX/XXXX . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter   XXXX   back in  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 2017-07-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX  .   XXXX   , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter  XXXX  in  XXXX . I was not provided any assistance. I reached out to  XXXX  and  XXXX  and filed a dispute. I received the message dated  XX/XX/XXXX  from   XXXX   : Discharged through Bankruptcy Chapter  XXXX . This account is scheduled to continue on record until  XX/XX/XXXX . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter  XXXX  back in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Hello, I opened a Wells Fargo checking accounts more than 4 months ago. ( Precisely on on  XXXX  2017. ) There was a 250 usd bonus tied to the account opening in case I perform the following actions : -two direct deposits or 10 transactions on my debit account.
I clearly did more than 10 transactions during the first month.
It 's been more than 4 months and I still haven received my 250 usd bonus money.
I called wells fargo several times, and they are not being responsive.
I need my deposit asap!!!
I feel cheated!
 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 2017-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I applied for a parent plus loan to help my daughter who was going to college at   XXXX   XXXX   XXXX   in   XXXX   XXXX  , SD. I have had student loans myself so the paperwork and application process was not new to me. I also work in the financial industry and actually processed student loans as part of my banker/manager position. My daughter went to school the  XXXX  of  XXXX . She chose to take a break from school in  XXXX  of  XXXX . I contacted Navient to discuss options for the repayment plan for the loan. We were denied deferment or forbearance and was charged capitalized interest right away on  XX/XX/XXXX  for {$1000.00}. Payments began the following month on  XX/XX/XXXX and each month thereafter. So I 'm paying the capitalized interest of over {$1000.00} and also interest compounded on top of that. Something is wrong here! I am attaching the history of our payments, breakdown of interest, capitalized interest and what has been applied to principal. Please let us know if this is legal.
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
I faxed written letter to company informing them that this debt does not belong to me. This debt continues to be resold to various collection agencies and each time I have had to dispute with credit bureau to get it removed from my report. I have contacted the original creditor who informed me that they no longer own the debt and that it is documented that it was not my debt. I have requested that this company validate this debt by providing me supporting documentation that validates debt, company has sent no communication. This debt needs to be removed from my credit report as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of American has force placed flood insurance on my home. I have provide to Bank of America 9 years ago the Flood cert pulled on my home with my primary lender to show them I am not in a flood zone. They did nothing and did keep force Flood insurance on my home. I had finally in  XXXX    saved the extra funds to have an engineer per Bank of America to complete the LOMAR map update. The engineer completed a letter directly to my address per the information Bank of America stated I needed to not have force placed insurance. I completed and sent everything over to Bank of America in turn to be told I can have reduce forced insurance. I have been calling and each time I get a different person. I called and spoke to FEMA they stated as of the FEMA ACT of  XXXX  that my free standing shed and garage are not to have force placed insurance. FEMA told me to call back Bank of America as what they are doing to me is wrong. I this passed week was told by Bank of America that I need a letter from my home owners insurance agent stating I have no running water in my garage, no bedroom in my garage no bathroom or kitchen in my garage. I asked if they wanted the orginal appraisal they did on the home over 7 years ago last time they were in my house to show no running water. They stated no that get them the letter and they would review per the  XXXX  FEMA ACT. I have a letter sent in last week to Bank of America to stop the force placed FLOOD insurance on my home. Again my 1st. MTG. company states I do not need flood insurance. Bank of America equity line of 30K states I need flood insurance. this letter was sent over and I am waiting on a reply. I called FEMA and they told me I should reach out to CFPB for help as they could not understand why I have been treated this way. They did not understand why I needed to provide a letter as they MAPS of FEMA state and show I am not in a flood zone. I have spent money to pay for engineer and to file the LOMAR and I have taken off work to deal with this and I am getting no place with Bank of America trust me if I can afford to pay them off or to get my 2nd refi. I would I need help please

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 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
A company called Portfolio Recovery is incorrectly reporting XXXX  accounts on my credit report. I have never had any dealings or communication with this company so there is no reason for them to be reporting any unpaid debts on my credit report.
I am including a section of a recent report which shows how they are being reported to my credit.
The XXXX account is being reported for {$360.00} with an account number of " XXXX '' and an open date of XXXX 2016. The XXXX account is being reported for {$370.00} with an account number of " XXXX '' and an open date of XXXX 2016. The XXXX account is being reported for {$470.00} with an account number of " XXXX '' and an open date of XXXX 2016.
I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has a 92 % negative rating with the Better Business Bureau. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc.
State: MD

Complaint narrative:
I received a phone call from NCC about a dept owed to   XXXX   XXXX  . They stated I owe {$490.00} and they have been sending notifications and calls. They stated they have me at   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX  MD  XXXX . I told them that is not my correct address and I moved from there in  XXXX  2016, I live at a different address. It I still live on the property. They dismissed it and stated it 's about to be reported to the credit bureaus if I do n't make a payment now. I asked them why was n't I notified in a timely manner, and I just got laid off. I do n't have anything as of right now and if they can at least give me two weeks until my appeal comes back from unemployment. They stated they could not only if I can post date a check. I told them I 'm not trying to pay them unintentionally, but I do n't have a job and I need to wait for unemployment. He could not provide me with a date it will be reported nor did he ask for my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
To Whom It May Concern, I would like to place a written complaint with Loan Care (   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX  ). After numerous phone calls requesting an explanation of my Escrow account including the removal of my PMI dating back to XX/XX/XXXX , I have yet to receive a single return phone call or Email. Any and all efforts made have been on my behalf. Any speaking to several different customer service employees including "  XXXX ,  XXXX  XX/XX/XXXX  and   XXXX     XX/XX/XXXX  '' and being promised that a manager would call me back regarding my concerns, I have yet to receive any phone calls. After being previously told that my PMI would be removed once my original loan amount was paid to 80 % or below, the PMI would be removed automatically. On   XXXX   XXXX   I was told that I must place a written request to have the PMI removed, which I did and immediately received a replay email on that day. The replay email stated that I please wait 5 days for a response. As of  XX/XX/XXXX  I have not received an Email, Hard copy or a return phone call. This company has the worst customer support group that I have ever worked with, regarding any phase of business. I do have copies of the corresponding emails.

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 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to Chase Bank at   XXXX   XXXX   XXXX   Branch  XXXX  on  XXXX / XXXX /2017 I deposited a Cashier 's check in the amount of {$6000.00} and my receipt had a " hold '' for that amount till  XXXX / XXXX /2017.
I spoke with the teller and then the supervisor, explaining to them that they can not put a hold on a cashier 's check because it is the equivalent of cash. This was from   XXXX   XXXX   XXXX  , not some obscure bank in  XXXX . Both said they could n't do anything about it.
I think they did n't care to do anything because it was a Saturday and I had about {$54.00} in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: OH

Complaint narrative:
Today at  XXXX  I recieved a phone call from a courier service looking to serve me with documents. When I inquired about these documents they gave me a phone number and a reference number as I did not recognize the company they were delivering the documents for. They have claimed to have attempted to deliver these so-called documents to three different addresses I have lived at, one which I currently reside in and no such company has ever rang our bell.
I called the number and spoke with a man. I gave him the reference number and he proceeded to confirm my identity and said that I was being sued by US Bank for an amount that would eventually total {$4200.00} from an old checking account that had been overdrafted and was never paid off.
It was  XXXX  when this happened and my father and I had gone into the bank to resolve the matter. It had been a bank error in which they had applied numerous overdraft fees all at once due to an error in their computer. The teller confirmed this over the phone with a corporate person, as it had happened to another customer. She then removed all of the fees with this exception of a few, my father and I paid what was owed, and the account was closed.
The man on the phone from the debt collector said I committed a federal crime. That is against the law for them to say that to me. He then proceeded to harass me about my credit score that he has supossedly looked up and then was harassing me about a student loan I am paying off. He continued to badger me and said that I better get an attorney or I would end up in a federal prison. I am scared that this might actually be legit but I do not think it is and I am worried that they are trying to scam me. I am  XXXX  and on a low-income. This matter is also considered to be past the statue of limitations here in ohio as the account was from  XXXX  and it is now  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 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was fraudulently charged a subscription fee {$4.00} for a service or product I never ordered.
I phone my credit card company because of unauthorized charges I found. I was advised to close that account due to possible identity theft. and I agreed and to get another card reissued.
In concert with that re-issue, the call center for Capital One GM Card credit cards submitted an unauthorized subscription for :  XXXX  '' I do not know what this is.
I called  XXXX  at the number on my statement  XXXX  IL, on  XXXX / XXXX /2017 and spoke with "  XXXX  '' and then to a Supervisor "  XXXX  '' to have the unauthorized charge removed and they refused to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My wife tried to use the credit card to get some gas. It did n't work. She called me and asked me to call and find out what was going on. Yes, she is an AU on the card and has one. I called to find out that they closed the card. There were several reasons. The first was a returned payment. The rep that we initially spoke with to make the first payment keyed in the last digit wrong. So of course it came back wrong account number/nsf because it was n't our account. Once we realized the issue we paid it with our Debit Card. We paid  XXXX . So, when I spoke with the rep/supervisor, we were told that it was because of the account number being wrong, and because our payment was too high? I am like seriously? Who says a payment is too high that is paid with our Capital One 360 Card. It is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a tax lien on my credit report with no identifying information that this is my debt. No name, address, birth date, SSN ... .NOTHING. I have asked that proper identifying information be provided to me and it has NOT. Remove it from my file IMMEDIATELY,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have had   XXXX   Credit card for some years now which is with Comenity Bank. On   XXXX   XXXX   2016, I went to have a free consultation with   XXXX   XXXX   XXXX   The lady toke pic and measurement, we then began to discuss the different options and treatments that were available. We start discussing the payment options and what would be the best treatment for my money. She then asked me if I have heard of   XXXX   Credit and I tell her yes I have a card with them. She says great let me look up your information and see how much you have, as I was unsure of the amount. She then saw that I had  XXXX  and began to continue with what was my best offer as far as treatment and price. we confirm the treatment plan, she then gets me the paper work, and as I 'm looking through everything I see a no refund policy, and I question her about it, she tells me she has already charged my card and that everything will be fine and that the doctor does a great job. So then I got a new job and could not have the procedure done. Then I filled a dispute with comenity bank and when I spoke with the guy about the no refund policy he said that he has never heard of a company trying to make you pay for services they did not receive, but then 60 days later they responding saying I would have to dispute it with   XXXX    credit directly. For the last 120 days Comenity Bank has inaccurately reported on my credit. NO one should have to pay for a service they did not receive, it should be against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Having issued with the  XXXX  credit bureau 's. Equifax place a Fraud Alert on my credit account. I contacted Equifax via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted   XXXX   and  XXXX , was it would be removed by the end of the business day. Around the beginning of  XXXX  I contacted Equifax again requesting the removal, I was giving a case number of  XXXX  and a conformation number of   XXXX   stated from them that the Fraud removal was done. I contacted the other   XXXX    agencies requesting the same, I was told by  XXXX  agencies that they could not remove the alert until Equifax remove it. Contacted Equifax again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no.  XXXX . also mailed in a request on  XXXX   XXXX . as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from  XXXX  and  XXXX  stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told Equifax and a third party requested  XXXX / XXXX /17 and  XXXX / XXXX /17

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I told the lady at citi bank that i have to check my charges I am without work or job because of this.I never had a   XXXX   XXXX   card.Ive only banked with citi,  XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,  XXXX , and   XXXX   XXXX  .Any other card is not mine i dont even have a bank card open i have them all closed and paid for except bank of america.i owe money to   XXXX   XXXX   and citi bank.Plus i have toyota for a car but i got in a auto accident and got sick.Than   XXXX   XXXX   company but i dont have a car anymore so i dont have to pay.Than medical bills and   XXXX   XXXX   XXXX   only been there twice,   XXXX   XXXX   XXXX   been there like 2- 3 times, than   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   but i think the school pay for that job corp  XXXX  fl, Maybe   XXXX   XXXX   XXXX   i been there1 time when i was in highschool, and   XXXX   XXXX   been there 1 time for a  XXXX .Anything else i dont know.And school bills is job corp center but i think they pay for that by government,   XXXX   college for 1 class, and   XXXX   XXXX   College i took like 3 classes and 1 class I failed and have to retake but any other is not mine.Please write back at   XXXX   XXXX   XXXX   XXXX    XXXX  Fl  XXXX .I also have a prepaid   XXXX   XXXX   account i owe and   XXXX   XXXX   but the bill is almost paid and i closed the account i only have   XXXX   card with them.I 'll check the mail again.

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 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was added to a Wells Fargo account in 2013 and I was not the signer of a bad funds check yet I was added to   XXXX   XXXX   I should not ber liable for this 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