vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX, 2017, I went to the local branch of Bank of America in XXXX, NJ, to make a payment on my credit card. I was told to use the Bank of America ATM located there. I inserted the money, {$730.00} in cash, and attempted to make a payment, when the machine came up with an error notice and informed me that my cash would be returned. A few seconds later, another error came up on the screen that said, '' unable to return your money ''. It then printed out a receipt with a contact number for me to call. I went up and spoke to a teller who told me the money would be found that night when the ATM was opened. I then proceeded to call the number listed and was told that there would be a credit within 48 hours to my account for this money. After 48 hours, there was still no credit. We called again and were told it would take seven days. After seven days, I still had not received the money or a credit to my account, so I again called and was informed that I would n't be getting the money back, it was n't their problem, and I was on my own. When I asked about interest fees and my credit report, I was told it was n't their problem. I called the local bank manager, and he gave me another story. He told me that the money would be credited since they found it, and they would take care of any fees associated with it, credit issues, etc. but to give him another few days for it to be done. On Monday, XX/XX/XXXX, I received a call from the bank manager, XXXX, again. He told me that everything was taken care of, and the credit would appear on the account within 24 to 48 hours. I waited until Friday, XX/XX/XXXX, and the credit still had not shown up. When I called up today, XX/XX/XXXX, I  was told that I had no right to be upset or worried, and that the credit would show up, but for now, there is no timeframe for it to happen.

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 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I wrote to Equifax on XXXX XXXX, 2017 and received proof of delivery showing they received the letter on XXXX XXXX. The FCRA requires them to respond within 30 days. As of XXXX XXXX I had not received any response so a telephone them and got stonewalled. Identical letters were sent to XXXX and XXXX the same day. XXXX provided an appropriate response within a week or so. When XXXX failed to respond within the 30 days required by law I telephoned them and they handled the issue immediately. Equifax has refused to respond and was rude and deceptive when I tried to talk with them about my dispute, claiming their actions were exempt from the requirements of the FCRA. I want Equifax held accountable for complying with the FCRA! Attached is a copy of my letter to Equifax, dated XXXX XXXX, 2017. I can provide a copy of the U.S. Post Office proof of delivery on XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
XX/XX/XXXX  redeposit at maturing  XX/XX/XXXX   ( CD 's # 2 of  them.  Deposit  made by merger, from  XXXX   XXXX  had merged to  Peoples  Bank.  Peoples  bank made a search but it was denied that the funds were still viable who also said we have no recourse. We have the  CD  's in hand, after we were looking over banking info in our financial documents in apartment we foun d   XXXX    cd 's. Before the divorce my son and I had a different name. After the divorce we both changed our last name. The amount of {$18000.00} was payable in my husbands name, but he never received the Cd or any money. I hope to find or litigate the missing funds into my possession. My name before the divorce was  XXXX , afterward my son and myself changed names to  XXXX .     AMOUNTS  XXXX    XX/XX/XXXX    XXXX    XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
A company called  XXXX   XXXX   XXXX   XXXX  contacted me and told me they are going to give me a scholarship of  XXXX  . However, it was a scam and they took my money abou t 18000  . They also asked me to purchase   XXXX  gift card and also  XXXX  voucher. It was a scam and I lo st about  20'000  .   Their numbers are :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On 2 separate occasions I have advised Navient of my claim of identity theft. My credit report reflects student loans of appx $ 70k which were opened by my ex-wife without my knowledge or consent. I first provided the information to Navient directly in XX/XX/XXXX - which included an Affidavit of Identity Theft, SIGNED and NOTARIZED statement from the perpetrator admitting to the fact that the loans were opened without my knowledge or consent, copy of my drivers license, and the police report complaint number. I advised Navient that XXXX County PD has an 8 month backlog to produce the actual copy of the police report. Navient closed the investigation but not before forwarding the fraud account to XXXX XXXX XXXX for litigation. On appx XX/XX/XXXX I contacted XXXX and advised that this was a claim of Identity Theft and per their request, forwarded an Affidavit of Identity Theft, SIGNED and NOTARIZED statement from the perpetrator admitting to the fact that the loans were opened without my knowledge or consent, copy of my drivers license, and the police report complaint number - and again advised that there is an 8 month backlog to produce the police report. XXXX advised that they would investigate. On XX/XX/XXXX I received a call from Navient which my wife returned on XX/XX/XXXX. During this conversation we were advised that Navient would again close my claim of Identity Theft because there is no police report. This is despite the SIGNED and NOTARIZED statement from the perpetrator indicating that she opened the account without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: ID

Complaint narrative:
Th e CBE Group , Inc. c ontinuously is sending to my employee job emails on its attempt to collect a debt for someone other than me : Dear  XXXX   XXXX  ... I responded each time advised they got the wrong person and to stop sending emails to me and to my job. They continue to do so.

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 2017-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Courtney & Camp
State: MS

Complaint narrative:
I received a summons from  Courtney and Camp   in  XX/XX/XXXX  regarding an  unpaid student loan from   XXXX   XXXX   University. I responded immediately to arrange an affordable payment plan. I explained to the representative that I would only be able to send what I could afford and it was never disputed. I was told that any payment  would be better than no payment at all. From  XX/XX/XXXX  to the current month of  XX/XX/XXXX , I ha ve been making  XXXX  dollar monthly payments by check. Once again, this has never been disputed by this particular representative or anyone working at the firm by phone call, mail, or any other form of communication. They have been accepting my payments and I have the bank statements to prove so. I made a phone call to the firm and spoke to someone by the name  XXXX  this past Monday about a writ of garnishment I received in the mail. It confused me because I have been making my payments on time monthly. My issue is that there was a paper inside stating for me to appear in court  on  XX/XX/XXXX ,  XX/XX/XXXX  and the postage on the mail is dated  XX/XX/XXXX .  XX/XX/XXXX  was on a Thursday. How would I have been able to make an appearance in court to plead my case when the papers were sent late by   the firm? It did n't arrive in my mailbox until the end of that week. It just makes me feel as if this was done purposely just so my wages could be garnished. When I tried to explain this to  XXXX , she was unbelievably rude and dismissive of the situation as if there was nothing else left for me to do except accept the garnishment. She made excuses by stating that I have n't spoken with anyone at the fi rm since  XX/XX/XXXX . If the onl y acceptable payment is by check and the payments are being made monthly, then why do I need to speak with anyone? How is it okay for this representative to tell me that  XXXX  dollar payments are not acceptable, yet they are still being withdrawn from my account? I do n't have anything to hide and my bank statements prove so because I 've been making my payments on time. No one ever stated to me that a certain amount had to be mail in to avoid garnishment. If what she says is true about them getting fired due to the amount in payments I 've been sending in, then someone needs to be fired immediately. This matter was poorly handled by   XXXX   and I want an explanation. I should not have to risk my wages being garnished and not having a place to stay because this firm failed to send my court papers on time. Not to mention, I have been making my monthly payments on time. I need answers from anyone that is willing to assist me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I sent dispute letters to Equifax,   XXXX    &   XXXX  in regards to verifying the reported Bankruptcy  XXXX  account Case or ID #  XXXX .  XXXX  and  XXXX  has not responded on this dispute and it has been over 45 days. Equifax sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that Equifax feels that they can use a third party  and not even be sure on the information they are reporting? It is not right and its unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
Convergent reported a collection account on my report. Prior to reporting the account, I did not receive notice of my right to dispute.

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 2017-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CO

Complaint narrative:
I 've receiv ed four letters i n the last month fro m PHH M ortgage in reference approximately {$10.00} in additional escrow payments. Each letter I receive for additional money for my monthly mortgage payment is followed up by me with a phone call to their customer service. I always ask to speak to a representative in t he U. S. A. t o insure their is no language barrier.  <P/> My conversations with  PHH c  ustomer service representatives indicate their is no issue with my mortgage and I am current with my mortgage payments. Within a week of the above conversations, I received two letters form PHH stating I owe  them money for late payments, including the next months mortgage payments.  <P/> The most recent letter form  PHH states they have not received my current month 's payment and is a notice of the creditor 's ( PHH Mortgage ) intent to enforce a lien against my property. I followed up on this ( third ) letter to PHH customer service re presentative  XXXX   XXXX  who assured me there will be no lien on my property and my payments are current.  XXXX  advised  that PHH Mortgage is a large company and it is impossible to communicate with the person ( s )   who are responsible for late/missed payments.  <P/> To his credit,  XXXX   XXXX  sent me an e-mail indication my mortgage payments are current and no money is owed to   PHH Mortgage.
<P/>
This complaint is to inform CFPB that PHH Mortgage is sending harassing letters with false information to customers and continue to send inaccurate information to customers, via weekly letters to respond with additional money not owed to PHH Mortg  age.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent dispute letters to  XXXX , TransUnion  &    XXXX   in regards to verifying the reported Bankruptcy  XXXX  account  Case  or ID #  XXXX .   XXXX   and Transunion has not responded on this dispute and it has been over 45 days.  XXXX  sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that  XXXX  feels that they can use a third party and  not even be sure on the information they are reporting? It is not right and its unfair to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent dispute letters to  XXXX ,  XXXX   & E xperian in regards to verifying the reported Bankruptcy  XXXX  account  Case  or ID #  XXXX . Experian and  XXXX  has not responded on this dispute and it has been over 45 days.   XXXX   sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that   XXXX   feels that they can use a third party and not even be sure on the information they are reporting? It is not right and its unfair to m e.

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 2017-05-26 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: CA

Complaint narrative:
EQUIFAX which has recently " verified '',  XXXX  &   XXXX   are all reporting a collection account,  XXXX   XXXX   XXXX   XXXX , AKA   XXXX   XXXX   XXXX   XXXX    ACCT. #    XXXX  IN THE ESCALATED AMOUNT OF  XXXX  DOLLARS FROM THE ORIGINAL AMOUNT OF  XXXX  DOLLARS ...  .THE ORIGINAL  CREDITOR IS   XXXX   XXXX   XXXX   XXXX   AKA   XXXX   XXXX  . THE ORIGINAL  CREDITOR HAS PERPETRATED " FRAUD '' in my case ...  ..I ord ered water service at a  XXXX  sales signup inside a  XXXX  store.What I signed up for was a  XXXX  dollars per month service.What I received was substantially higher on th e 1st bill, which were surcharges undisclosed to me in the sales   presentation .. . ..I sp oke to   XXXX   on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made  3  different appointments to come pick-up their equipment and were no-shows all  3  times.The machine/dispenser sits in my house to this day ... they obviously do n't want it.   What   XXXX  /  XXXX   XXXX   XXXX   wants to do is perpetrate fraud an d 1 ) overcharge on their service,2 ) '' sell me '' their equipment I do n't want, and 3 ) rin g up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country.   So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE  O.C . the organizer of the fraudulent financial scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC

Complaint narrative:
In   XXXX  ,   Carrington Mortgage modified my loan without my approval and/or knowledge.
I recently learned of their actions during a refinancing of the loan with another lender. When I 've talked with Carrington about this issue, they seem not to know much about it, never  theless it appears on my credit report as a loan modification. The documents that I will upload indicate that I never signed-off on the modification.   During this period, this property was a rental property, and was occupied by tenants that I leased to for approximately 10 years (  XXXX  ). Further, the mortgage was not late, i.e, I was not having difficulty paying the mortgage and did not need a modification.   I 'm not certain about what can be done, but I 'd like help in unraveling this matter and getting to the bottom of why the modification, and why without my knowledge and involvement. Your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am applying for a mortgage loan. I was denied because of not having a  XXXX  on my credit report. I knew my credit was n't great, but below a  XXXX  seemed incorrect. I paid for my credit report from Experian. The report I paid for gives me a score  XXXX .     When I forwarded this information to the bank, I was told Experian sent them a report stating my score is  XXXX , with  XXXX   &   XXXX  scoring me even lower.     I asked the woman at the bank if this was common, her response was " Let me just say that the scores we have are usually lower than the ones consumers tell use they are given by the actual agency. '' Considering the importance of these scores, how is it legal to sell information that is different to two separate parties about the same individual?     People are more th an a 3-digit credit score &  companies who have such a large role in determining such important aspects of Americans lives ' must operate fairly.     Experian is either lying to me or lying to the Bank, neither of which is of any comfort to me. I can not buy a home due to this error/falsehood.     It is your responsibility to oversee these companies & protect consumers.     Do your job, 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 2017-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
1. Midland Credit Management has not  validated this debt. They sent me statements of an  XXXX  Credit Card. The address on the statement does not belong to me. Please show me the signed agreement bearing my signature that proves this debt is mine.     2. Sending of a letter and it not be returned undelivered does not protect you under FDCPA. Please provide PROOF that this letter was delivered to me.
3. You voided an existing payment arrangement without my re  quest for your own convenience so you can renegotiate the terms of the agreement. Since you have breached the agreement we had made, without my authorization to do so this is evidence of your failure to keep your part in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
Optimum Outcomes has a negative listing on my credit file for a {$60.00} medical debt. The company providing the services was  XXXX   XXXX  which has sent been bought out. All insurance and co-pays have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
Optimum Outcomes has a negative listing on my credit file for a {$60.00} medical debt. The company providing the services was  XXXX   XXXX  which has sent been bought out. All insurance and co-pays have been paid in full.

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