vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2018 at XXXX XXXX  EST, a check was deposited at an ATM from an accredited CREDIT UNION addressed to myself ( which was in an amount less than {$5000.00} which is the amount stated in Bank of America 's handbook stating that a " hold '' may occur ), and NO notification was made that the check would be placed on HOLD giving me option to have the check returned to cash at a different institution where funds would be readily available! The HOLD was placed until XX/XX/2018!! I need this money immediately. The " REASON : A hold was placed on your check ( s ) because check specific information indicates item may be returned ''!!! Then to finish the transaction the ATM would not give me my ATM/debit card. After holding for almost 3 hours and being disconnected 3 times I was connected with a customer service representative who was helpful in expediting the overnighting of a new ATM / Debit card at no cost to me which should be here tomorrow ( the XXXX ) - SO approximately 2 days without any access to my funds. TO ME THIS IS THEFT BY TAKING. I returned to the bank and asked for the check back and they refused to give it to me because they don't know where it is. I can cancel the check but I will have to pay for the cancellation fee and the bounced check fee at BANK OF AMERICA AS WELL???!!!! If someone pays for a flight to California and then I say OK, I will provide your flight on the XXXX while I inspect your check from Bank of America, that would not be ok and they would demand their money back but if I lost it would that not be ILLEGAL???

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 2018-08-08 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: SC

Complaint narrative:
I submitted paperwork to Equifax to have some fraudulent accounts removed from my credit report and Equifax has not done anything with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My loan was sold to Shellpoint Mortgage Servicing and they won't let me set up auto payments. They claim my payment for XX/XX/2018 was not made but it was made to the previous mortgage company on XX/XX/18. They said they have not received the funds yet. This isn't and shouldn't be my problem. I paid on time like I am supposed too. Now they won't take my XXXX payment and I might be subject to late fees if paid after the XXXX. This is predatory lending. Please tell them that this is not my problem. They need to figure out XX/XX/2018 's payment with the previous mortgage company. Not me! Thanks and hope filing this complaint helps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
For multiple reasons I have concerns with this account the first is that I never received any documentation that this account was being placed for collections. 

My other concern the debt that was on my account is a result of a workplace injury. I initially disputed as soon as it was placed on my XXXX account and it was removed immediately. At the time I did not know that I was unaware that I needed to dispute with every creditor. I recently disputed with XXXX  and the company simply send back that the account is accurate and undated the months reported to have 11 months per year state No Data. I then reached out to XXXX  again and the result was the same. I called XXXX and the representative told me that " she doesn't know what XXXX  or XXXX does but XXXX  doesn't do any investigations. '' I was only able to dispute the account again. 

To date the account has not been removed from my account it is totaled at XXXX dollars and is held through XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 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: FL

Complaint narrative:
Just checked my Equifax report and found that my score had been reduced XXXX points and I have NOT paid any creditor late. I disputed payment had occurred in XX/XX/2018 on the XXXX XXXX account but was corrected by the Company. I contacted the the company but was just given general information and told to contact a local lender

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was in a position where I had to work on improving my credit score, and I got a prepaid credit card from bank of America. I was approved for a card and I quickly deposited XXXX as collateral for said card.. 

when I got the card I was told in 6-12 months I would be graduated to an unsecured card. I got this card 3 years ago still no graduation, ive asked many times since then and even Monday XXXX XXXX I spoke to a bank of America credit analyst named XXXX XXXX and she told me even though I had been a customer for 3 years I still didn't qualify for graduation ... and she cited 2 late payments one 4 days late another 3 days late from the summer of XXXX. so I assembled these numbers ... 

3 years of annual fees@XXXX interest fees interest and fees from XXXX? 

interest and fees from XXXX XXXX XXXX interest and fees from XXXX XXXX XXXX interest and fees from XXXX XXXX XXXX a total of XXXX an astronomical amount of money for a secured card. the reason they don't want to unsecure this card is because they are cheating me. and at present it is paid to XXXX  and I cant close the account because it would damage my credit profile..

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 2018-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Just checked my Equifax report and found that my score had been reduced XXXX points and I have NOT paid any creditor late. I disputed payment had occurred in XX/XX/2018 on the XXXX XXXX account but was corrected by the Company. I contacted the the company but was just given general information and told to contact a local lender

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 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RAB PERFORMANCE RECOVERIES, LLC
State: MI

Complaint narrative:
My husband and I had credit cards through XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX Bank, which was subsequently paid off with the XXXX loan. I received a judgment from RAB Performance Recoveries LLC for my credit card stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to XXXX XXXX XXXX XXXX XXXX to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. My account has been garnished repeatedly as well as my children 's savings accounts because my name is on them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
Calvery Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX My credit report shows a credit account not paid opened in XX/XX/XXXX of XXXX for {$1000.00} from some XXXX XXXX XXXX. I have not opened any credit accounts in XXXX and XXXX XXXX XXXX already shows up from XXXX after I became unable to work. I called the XXXX number above and she stated I would have to talk to their lawyers and would give me no information I believe they may be trying to collect a debt another company or sister company is already reporting and Im trying to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
On XX/XX/2018 XXXX XXXX transferred a total of {$170.00} out of my bank account without my authorization, thus committing bank fraud. The amount consists of three transactions with the first in the amount of {$4.00}, then again Ten minutes later for {$4.00}, and last {$160.00}. All three transaction detail provide a phone number XXXX, however, the number is only for their members & you have to login to you account to receive a code in order to bypass the automation. Because I did not see these transactions until the following Sat. I could do nothing to stop them, as my bank is closed on the weekend, I did report my debit card stolen and was advised that is was my debit card number that was used to in all three transactions, not my actual bank account. I also was advised that the money was transferred using a cell phone app, XXXX XXXX, and it appears to have been transferred using an email address. That's all I could get from my banks debit card hotline #. 
I immediately contacted XXXX via their customer support email, ( b/c there is no known telephone # ) and although there has been some response, nothing that is of any use or helpful. 
Early in XXXX I had to place a fraud alert on my credit due to suspected ID Theft, this fraud prompted me to check, and upon checking my credit report I realized I am not only a victim of Bank Fraud but ID Theft as well. 
Based on the XXXX XXXX, & XXXX XXXX XXXX Terms & Conditions, they should have validated this account & their Registered user. Had they done this as per their terms they would have been able to identify that this debit card did not belong to their member, or was it authorized to be used by their member. 
If they do not currently have security provision in place for the XXXX XXXX, then many Americans are & will continue to be at risk. 
XXXX this and there are many Americans that have been victim to XXXX XXXX debit card fraud, over the past few years, AND NO ONE IS STOPPING THIS COMPANY, they are allowed to transfer money using a cell phone, tag name, debit care # & email, where is the security? 

I filed a police report & the investigator advised me that he is familiar with XXXX XXXX, my little town, that's terrible. But even more I have been treated like a criminal, I'm completely broke, I'm unemployed, and have to wait 10 days for my bank to return the stolen money.

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 2018-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
My husband and I had credit cards through First National Bank of Omaha in XXXX and XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. I received a judgment from XXXX XXXX XXXX XXXX for my credit card stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to First National Bank of Omaha to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. My account has been garnished repeatedly as well as my children 's savings accounts because my name is on them.

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 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have the knowledge to believe that my personal information such as my name, social security number, and date of birth may have been compromised due to identity theft. I have previously tried to address this matter and failed to come up with a positive solution. This particular item for an account that I never set up has been lingering on all three of my reports for some time now. I chose to address the matter with you all to make additional attempts in settling my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Current Mortgage XXXX per month to XXXX. Before my XXXX I had no problems with this payment- I can not believe my reduction in over half my income and only XXXX was reduced for the month. When I told my representative that this reduction amount would not help me. I was simply told I could decline it. Later, I started to receive them about my notices about selling my home and foreclosure. I want to keep my home.. I need an affordable modification amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ECMC GROUP, INC.
State: AZ

Complaint narrative:
This debt collector calls me repeatedly and hangs up after I say hello. Sometimes they call multiple times a week and hang up with out saying a word within the first 3-5 seconds of the call. I can hear chatter and the noise of the room in the background so i know there is a live person on the other end. When I call them back and tell them what happened, they say, that shouldnt be happening., but they have been doing it for years now. Sometimes they do this multiple times a week and month, even when I call them and make contact. There is no reason they should be calling repeatedly and hanging up like that. Then when I finally do get to speak when they call me, they claim they have been trying to get ahold of me with out success. Obviously if you hang up everytime, we can not talk.

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 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
XXXX 's fraud bills caused my husband 's XXXX XXXXXXXX XXXX. He is useless person. A life has been destroyed by greed? our gov't can't do anything about it!!!?? They all say they don't have teeth what's point? reminds me famous saying - When united states system fails XXXX ( XXXX ) will be there!. 
I paid my final bills with proof XXXX but XXXX still kept generating bills, send collection agency. I called collection agency demanded their business licences and insurance info they refuse to do so. Every phone company records the conversation, NSA does, so does the XXXX. How a poor person can get justice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I filed for bankruptcy in XXXX when I was forced to close my business. My bankruptcy has since been cleared from all of the National Credit Reporting Bureaus, however, Honda Financial continues to report an adverse item of information by using verbiage in a comment field that states Reaffirmation of debt. Although accurate, reporting this adverse item of information directly violates FCRA 605 ( a ) ( 5 ) that prohibits reporting of Any other adverse item of information which antedates the report by more than seven years. 

I initiated dispute with XXXX XXXX and American Honda Financial in XX/XX/XXXX and have continuously disputed this item for over a year. The account in question was for an auto lease that was paid in full ( early, XX/XX/XXXX ), never late, never derogatory. I requested and received two documents from American Honda stating this truth and sent these via certified mail to XXXX along with a dispute letter. 

Because of the comment furnished by American Honda Financial, XXXX XXXX extrapolates, derives, and expands on this information to include, but not limited to the following : XXXX XXXX has and continues to report the account as derogatory in direct violation of FCRA 605 ( a ) ( 5 ) cited above. 
XXXX XXXX continues to report a bankruptcy on my consumer file in violation of FCRA 605. [ 15 U.S.C. 1681c ] that states " ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
As a consequence of this adverse reporting, XXXX XXXX has and continues to furnish a credit score that is 30-40 points below scores reported by both XXXX and XXXX. 
By furnishing this adverse information in violation of the FCRA, I will attest that both XXXX XXXX and American Honda Financial together have failed to comply with the purpose and the spirit of the FCRA in whole that states the following : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports  directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive noticed activities of debt collection from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$460.00} opened on XX/XX/2016 which was not me.

Company response to consumer: Closed with explanation