vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This is a complaint against Ally Bank regarding my checking account ending in XXXX. Checks I have deposited into that account range between a {$200.00} and {$530.00}. Ally 's policy is that checks over {$200.00} should have only a 2 day hold yet their actual hold times on over {$6500.00} of my deposits has been more than 5 business days to date. I deposited 17 checks on and between XX/XX/XXXX XX/XX/XXXX for a total of {$7400.00}. I sent secure messages to Ally Bank through my online account on XX/XX/XXXX and XX/XX/XXXX requesting that they make the funds available. I have not had a satisfactory response. I have also tried calling the bank 3 times to talk to someone and each time the hold time was over 30 minutes. I could not hold that long two of the days I called. Today after holding 37 minutes the system hung up on me before anyone answered. My online dashboard says I have available XXXX with a current balance of {$10000.00}. The problem is that after seven to nine business days since my deposits, still {$6500.00} of my funds are not available to me. I want Ally to make all the funds in my current balance available 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 non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have been being charged for an Experian Membership for months without my knowledge. I have tried to cancel on multiple occasions and they do not allow it. I can not get someone on the phone and every time I call the wait time is over an hour. This is unacceptable for a company charging me {$30.00} each month I do not have a username and password and the only e-mail address I have explains that it is not valid. 

All I want to do is cancel my account so they do not steal {$30.00} from me each month. Its easy to start up with them but impossible to cancel.

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 2018-01-03 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: AES/PHEAA
State: MA

Complaint narrative:
I spoke with XXXX XXXX in XX/XX/XXXX and twice in XX/XX/XXXX regarding my new repayment plan. My repayment amount went from $ XXXX/month to $ XXXX/month. I told XXXX every time we spoke that I could not make that payment. I submitted two requests to change the plan as well as documentation of my expenses as requested by the numerous XXXX personnel I spoke with. I told them every time we spoke that they were absolutely not authorized to take {$520.00} out of my bank account on XX/XX/XXXX. XXXX ignored me and took the amount out, unauthorized. I called three times on XX/XX/XXXX and spent over 1.5 hours on hold during that time. I have submitted a third repayment plan request at the instruction of XXXX. XXXX will not return the {$520.00} and my bank is not able to stop the payment because it has already gone through. Every person I spoke with was either unhelpful or rude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Dominus Law and Recovery, LLC.
State: AL

Complaint narrative:
I have been contacted multiple times now by different debt collectors from XXXX XXXX XXXX. I do not know what XXXX XXXX XXXX is nor do I ever recall getting a loan. They threatened to have me arrested if I didnt pay the {$600.00} in 24 hours. They would not provide me with any information regarding where the loan originated or and documentation of any kind validating the debt. I have no problem paying me bills but if I cant be provided proof I owe anything, Im not going to give my card or bank information. They said they were from The XXXX XXXX XXXX in XXXX FL. I looked them up and it says nothing about debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am trying to file a dispute with Experian. I am having a problem submitting a particular account for verification with Experian. 

The account is XXXX / XXXX XXXX for the state of Washington. They are reporting a late payment for XX/XX/XXXX. 

When I attempt to dispute the account online, the system is telling me that they wo n't dispute the item since it was verified as accurate in XXXX. I am disputing a late payment in XX/XX/XXXX. So Experian is saying I disputed a late payment in XXXX back in XXXX? How would I have known this payment was going to be late at the time? 

When I attempt to call Experian, the system says I can not talk to a person. The system tells me that I need to send my request in writing. I am paying {$29.00} a month for their credit monitoring service. I should have the ability to talk to somebody about my account. There is absolutely no reason why I should not be able to talk to a person at Experian about this. 

I attempted to contact another telephone number at Experian. Once I verify my identity, the IVR says it is transferring me, then I get two beeps and it hangs up on me. 

The dispute is simple. The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment was not late. I can supply documentation in the form of payment history to support 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 2018-01-03 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
get inaccurate information off my credit report or ill sue!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Services called me at XXXX PST on XXXX XXXX, XXXX. I did not answer the call as it was too early but it did wake me up. I looked the number up on the internet as soon as I got to work to see who was calling and found that it was Portfolio Recovery Services, only with a different number this time. In this instant, they had called from a Virginia XXXX, VA number. They did not leave a voicemail. 

Another call from Portfolio Recovery Services happened at XXXX PST on XXXX XXXX, XXXX. This time, they had called from an XXXX, FL number. I did not answer the call since I did not recognize it and they did not leave a voicemail. Again, I looked the number up on the internet to see who had called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I made a principal payment to my mortgage account that dropped the original loan to value to below 73 %. 

OnXX/XX/XXXX, I contacted XXXX to ensure PMI will be automatically dropped as required by Federal Regulation since the balance is below 78 % and I have never missed a payment. XXXX refused to automatically drop the PMI and further stated they only drop PMI after the loan is 5 years old and the loan to value limit is reached which is a clear violation of Federal Regulations concerning PMI. I was also told I must send a letter to 5/3 requesting that PMI be dropped and if I didnt they would continuing charging PMI for no reason other than that the mortgage loan is not more than 5 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 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: OH

Complaint narrative:
I received a response from TransUnion on Friday XXXX/XXXX/XXXX stating that the public record being listed on my credit report was " verified '' as accurate per " the source ( s ) to advise them of the dispute ''. 

My problem is that upon reaching out to XXXX on XXXX/XXXX/XXXX, I was informed that XXXX does n't verify any record at all. Instead it is a public site that publishes information that is furnished to them. 

So what " source ( s ) '' are being used to " verify '' that this public record being listed on my account is actually accurate? 

I 've attached the e-mail correspondence between myself and XXXX regarding this matter. 

Please VALIDATE this public record as accurate, or remove the record from my credit file.

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 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Customer Service Department - I 'm disputing delinquent information that XXXX XXXX has reported on my Credit Report, please note this account was paid-off in full ... Therefore I am filing a dispute and requesting to have this collection account deleted from my credit report. 

- XXXX Phone Number : XXXX - Delinquent Amount : {$100.00} - Refer # XXXX / XXXX If you have any questions or need any additional information I can be reached at the number below. 

Thank you. 
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
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Wired {$10000.00} USD from Coinbase, Inc onXX/XX/XXXX to my personal bank account which I have done before. 

Showed wired was completed onXX/XX/XXXX. 

It is now XX/XX/XXXX and still no money. I have called coinbase everyday and nobody answers. I have called XXXX XXXX in New York who supposedly does their wiring and they have no knowledge of the wire. 

I have opened numerous cases with coinbase support only to get automated messages saying they will respond and they never do. 

Have all screenshots and documentation showing completed wire from Coinbase to my bank and where they even charged me for the : completed '' wire. 

Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: Harris & Harris, Ltd.
State: KY

Complaint narrative:
I have received numerous calls to my phone number XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, in which they are trying to reach XXXX XXXX. I have told them to stop calling me and to remove me from their calling list. Previous times I have been called has been on XX/XX/XXXX and on the XX/XX/XXXX I  returned that call and advised the male agent to stop calling me. During the last call that I returned to them on XX/XX/XXXX at XXXX XXXX EST I advised the agent to stop calling me or I will file a complaint with the CFPB. She said go right ahead and that " collections '' will continue. She never identified me of right party contact. I am not XXXX XXXX spouse I am his sister in law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX my ATM card was stolen and several unauthorized withdraws were made. Upon reporting to Bank of America onXX/XX/XXXX and they said they would promptly investigate the issue. Instead the bank 's fraud team promptly denied the issue on XX/XX/XXXX. As of now XX/XX/XXXX I just received my fraud affidavit yesterday on XX/XX/XXXX Therefore hindering my and law enforcement 's investigation. I have been to the XXXX XXXX Sherriff 's Office XXXX XXXX XXXX Station on XXXX XXXX and spoke with Deputy. XXXX XXXX and Deputy XXXX XXXX of the XXXX XXXX on the dates of XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX. As of today I have not received any provisional credit nor has my fraud claim even been investigated by Bank of America. Now that they have provided me with the fraud affidavit I will file an official police report by no later than XX/XX/XXXX.  Also several online transfers were made using my personal information to fund these purchases and withdraws. Bank of America has repeatedly lied to me and force stopped my investigation and also has closed my 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 monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
My complaint is multi-faceted. 
1. I am in the Public Service Loan Forgiveness Program. The count of months of payments provided by XXXX XXXX is quite different than my count. I have sent email messages to them requesting clarification and have never received responses. 
2. I recently changed jobs and my income based payment needed to be recertified. I provided the documents to them and was emailed a letter stating that I would receive a letter in the mail telling me what my new payment would be. I never received this letter. On XXXX I participated in a chat conversation with a representative from XXXX XXXX This rep told me that my repayment plan would be recertified in XXXX and I would start paying the new amount in XXXX. I received my bill today and the new amount is actually beginning in XXXX, not XXXX. I do not know what if any income based repayment plan I am now in. 
3. When you email XXXX XXXX, you receive a message stating that they have received your email but you do not receive a copy of your email. This makes it difficult to follow up and track correspondence. 
Thank you for your asssitance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I sent two cease and desist letters to Portfolio Revcovery Associates concerning a debt that is past the statute of limitations. One letter was sent on XXXX XXXX, XXXX another letter was sent XXXX XXXX, XXXX. The debt collector has ignored my requests to cease and desist. The most recent phone call is on XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 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: NJ

Complaint narrative:
XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them If I got This letter XXXX card said they will delete this tradeline as stated on the recording I have also further more I never contact XXXX card for a dispute about XXXX they are violating fcra law which is punishable by {$1000.00} Each violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them If I got This letter XXXX card said they will delete this tradeline as stated on the recording I have also further more I never contact XXXX card for a dispute about XXXX they are violating fcra law which is punishable by {$1000.00} Each violation

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 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This Collections Should be disputes for my credit report. 
This 3r party takes advantages about the situation, There are all Medical Bills Affect my credit score. 
Those bills already take care with my insurance Company. 
Please i need this disputed this Collection bill as soon as possible Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX suspected fraud activity inquiry dateXX/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 2018-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Today XXXX/XXXX/2018 at XXXX i was contacted by an individual who was asking for me. When questioned as to who they were and the company they represented, I was left with no answer, just asking if i was the person they were looking for. I stated that they are not to call back because I do not owe anyone any money. The individual said " thats ok we will just call back another time '' and hung up. 
When I attempted to call the number back on the caller ID " Portfolio Recovery '' the system message was that the number I had dialed was no longer in service. 

I have noted at least 2 major violations of the FDCPA just in that one phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I received notifications from the three major credit reporting agencies that Portfolio Recovery submitted two collection accounts to them. On that same day I called Portfolio Recovery and was told by a representative and supervisor XXXX XXXX that on XX/XX/XXXX letters were sent to XXXX XXXX XXXX and on XXXX XXXX they were returned as undiliverable. They stated on XX/XX/XXXX they sent another letter to XXXX XXXX XXXX, XXXX GA. Neither of the addresses that they sent letters to are mine. When I called there office after not receiving a letter and having the accounts placed on my report, upon calling the representative stated my correct address upon taking the call. However they failed to notify me at that address before placing the accounts on my report. They have violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: EQUIFAX, INC.
State: KY

Complaint narrative:
About half of the U.S. population was impacted by the Equifax breach in 2017. Twice I 've contacted Equifax, and twice I 've been told my personal data MAY have been obtained by the hack as a result of this breach. That tells me nothing I did n't already know! 
I believe it is my consumer right to know for certain whether MY personal data was obtained by the hack. YES or NO?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: MO

Complaint narrative:
When I moved out of the apartments, I signed my contract over to someone else. My rent was paid in full. 6 months later they said I never paid the last month. However, they wouldnt let me move out until I paid the rent in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation