vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 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: CA

Complaint narrative:
On XX/XX/XXXX, I filed for relief under a CH XXXX specifically because my fiance and I had purchased a XXXX XXXX  in my name. The payments were extremely high and when we decided to part ways the vehicle remained with me ... as did the payment. I retired in XXXX and live on a fixed income, however at no time was I ever late with any payments for the vehicle as well as my mortgage and any open credit cards. I had first tried to refinance the vehicle to lower the payments, but the credit union said I would need to pay an additional sum of $ 6K- $ 8K just to bring the amount down. I tried to return the vehicle to the dealership, but of course they would not take it. Long story short I decided my only option would be to file for CH XXXX. I also had cancelled the GAP insurance on the vehicle as well as additional service warranties I had taken out on it. Those funds, in excess of {$3500.00}, went directly on account for the vehicle and the credit union kept then even after the CH XXXX had been filed, which is illegal according to BK rules. This is not my actual complaint though. My issue is that all of the credit card companies as well as the credit union continue to report that I was delinquent. This was NEVER the case. On my credit reports they tend to continue to not only show as " potential risk '' they show as having been delinquent. I have disputed all previously both individually with the companies as well as Experian, XXXX  and XXXX, however they still remain listed separately and showing as a risk and most as having been late. I want to try to buy a small home this year and it is a definite deterrent. When creditors look at my credit history they see all these creditors listed as risks and they were included in my Bankruptcy ... never late, but required to be included by law although I would have reinstated them and kept them open if I had been given the chance. In addition, there is one account that was closed after the fact that I thought had been included and it is old ( XXXX XXXX ), and yet now it is being reported as if it is a new account and in collections by XXXX XXXX. Once an account is closed they should not be allowed to continuously be sold to potential collectors then have them show as if it is a current account with dates and a new collection. In addition on personal info at one point it shows my last name as " XXXX. '' I've tried to correct this as I have never used this name. It was evidently transposed at one point as my last name is " XXXX. '' Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Hello my name is XXXX XXXX and I am a Fifth Third Bank customer inquiring on overdraft fees that have put me in further financial trouble and would like to seek help and further information in regards to these ridiculously high fees and how to get reimbursed! If someone could help me resolve this ongoing issue I would greatly appreciate the help as these fees have put me in a financial hardship and I cant get caught back up since {$190.00} worth of fees have been deducted from my checking account ( # XXXX ) within a 3 week period since the mobile check deposit feature keeps getting diasabled not allowing me to deposit money as Im 30 min away from the nearest Fifth Bank Location making it difficult to deposit funds directly into my account at the nearest branch!! Feel free to reach me by phone : mobile # XXXX! 



Thank you, XXXX XXXX Last 4 of social : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MO

Complaint narrative:
Original creditor was XXXX who attempted to charge us for a months worth of service that was never provided as the service was terminated due to poor service from the company and moved to a new provider. 

XXXX had sent a final bill over a month after leaving them claiming we owed them for a full months worth of service that was never provided. They then claimed we agreed to be billed for a full month even if cancelled. I asked them to provide me with such a signed agreement and to date XXXX has been unable to provide any proof other than bills issued after that date showing the balance. 

XXXX then sold the debt to Diversified Consultants who attempted to place this bad debt on our credit report. Both agencies removed it immediately. Then they either reposted it using Diversified Adjustments ( which is likely the same company ) or sold it and was reposted by this new agency. It was again immediately removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XX/XX/2019 I called Chase to report fraud in my checking account. Large sums of money were being deposited into my account and then being removed from it via XXXX XXXX. They informed me that they would close the account and then that they wanted to " terminate our relationship '' and said I could no longer bank with Chase. 
I found that to be ridiculous unless they assumed I was guilty of the fraud ( if so, why would I report it..? ) so I went to my local Chase branch and spoke with the manager about it. He agreed it was ridiculous and we sat together on the phone with corporate for over 2 hours until they finally agreed to open me up another checking account. 
Fast forward 2/maybe 3 weeks ( the week of XXXX ) and all of a sudden I can not log into my online checking app. I called Chase and was informed that after a final review, they are ( again ) terminating my relationship with the bank and I am no longer welcome to use Chase. I once again went to my local Chase branch only to be told there's nothing they can do, and that they are allowed to withhold my funds until their review is through. They are also not disclosing why my account was closed and " reserve the right to not have a reason ''. So I have no access to any of my past paychecks nor do I know when/if I will ever get that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: TX

Complaint narrative:
I do not have a credit score because I do not have debt. I have paid for everything in cash. DH Mortgage told me I either need to get a credit card or pay in cash. The FHA loans do not require a credit score and it could be done with manual underwriting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I need help with getting back {$1500.00} that was suppose to be refunded to my XXXX card from Paypal, but has never made it back to my card ... ..I have proof of all this And no body seems to help me track where this money is ... ..this was a dispute letter I sent to XXXX  and was denied , reasons being who knows ... ..PayPal says transaction was successful and I will send in this email proof of this ... ..please help me ... 

I recieved my taxes back for XXXX onto a XXXX XXXX XXXX XXXX Visa card. On XX/XX/XXXX of XXXX, i signed onto my Account through The XXXX XXXX XXXX application, and I sent {$1500.00} from my XXXX Visa card to my cell number. From there, I claimed {$1500.00}, through the link that XXXX sent me in the text message by inputing a verification code on this XXXX  website link sent to my text messages. After inputting verification code, there were 2 choices to pick up the {$1500.00}, either i could deposit it into a personal bank account or into a PayPal account. I chose to send {$1500.00} to paypal account of XXXX XXXX.. From there {$1500.00} sat in his PayPal account until XX/XX/XXXX, where he decided to REFUND me the {$1500.00}. So he pushed refund button on his PayPal account. Next to {$1500.00} dollars. From there I have not seen or know where my money went..It lists the money being refunded to XXXX ... Ive emailed this email several times with no response It states on his PayPal account that refund was issued, but I, nor XXXX, have yet to get a clear answer from paypal of where this money went.several different messages and phone calls have been sent from me and XXXX to PayPal just to receive automated responses from paypal I have transcripts from live chat sessions I was able to save, that I will be including in this letter along with any other proof I haveI just want my XXXX dollars back. it has been stressful and time consuming.PayPal is in my opinion a little shady, and after researching PayPal online, I come to find thousands upon thousands of different complaints from unsatisfied customers please track where my money is. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Neltnet is my loan servicer for my student loans stopped ACH payments back in XX/XX/XXXX and sent me an email saying my school was under investigation. I was told I would hear back in XX/XX/XXXXon the determination, I was told to not worry about making future payments. I then received an email Nelnet in the last 30 days informing me that my loan was placed into forbearance and that no payments were due until XX/XX/XXXX. I immediately contacted Nelnet to inform them that I did not request nor did I want my loan to be in forbearance and asked them to have ACH payments re-established. I had to ask to be transferred to supervisors multiple times as each representative told me there was no way this could happen. I was even told at one point if I wanted any documentation I would need to get a court subpoena and that I had requested the forbearance back in XX/XX/XXXX. To which I again asked for documentation and was told to call the Borrower Defense to repay hot line. I did so and was informed they had NO record of me submitting any application for discharge/forbearance. I immediately called Nelnet back again and was informed that they could now lift the forbearance . I asked for an email or mail confirmation of this and was told I would see something in the next few days. These calls took place on XX/XX/XXXX. I then asked to file a claim to waive all interest accural since Nelnet stopped was the one who stopped processing my payments and this was not at my request. On XX/XX/XXXX I recieved another call from Nelnet , by a reprensative named XXXX   stating that Nelnet could not inianiate ACH payments  again until XX/XX/XXXXbut I could go online or mail in payments. This was not the resolution I had been told when speaking with XXXX  and XXXX  with Nelnet on XX/XX/XXXX. I then recieved an email from Nelnet informing me to go online with Nelnet and fill out an application for REPAYE program. Again, this was not at my request. I had been making monthly payments and been in good standing with this loan for years. In addition to making my montly payments as scheduled and on time. In addition to this my mother had been making overpayments on the account as well. There is no explanation as to why I was ever placed into forbearance without consent and this is unacceptable behavior on the part of Nelnet. I will be following up this with a complaint to the Attorney General and a complaint has already been sent to FSA. Students should never be railroaded in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I had a credit of $XXXX on my XXXX  XXXX Bank of America credit card.  This is because I apparently somehow paid this amount online on XX/XX/XXXX. when I actually had a XXXX  balance.  So now I have a credit.OnXX/XX/XXXX, I requested that the credit be reversed back to my bank account on file.  I was told that it would be done in 2-3 days.  The number I called is the one on the back of my credit card:  XXXX XXXX.  This is the XXXX  XXXX  Bank of America credit card customer service number.Since XX/XX/XXXX, I have called 11 times and talked to multiple agents who are very nice always apologize and say they will look into it and "accelerate" the issue. Every time I call, their estimate of when it will be done gets longer. It went from "2-3 days" to "5-7 days", to "7-10 days".  It has now been 13 business days.  The last agent I talked to was a top supervisor at the XXXX  XXXX  Bank of America customer service number . She apologized for the problem and said it would be resolved by the next day.  That was 4 business days ago and this still has not been taken care of.

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 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
the unlawful student loans need to come off it's been more than 90 days since sent affidavit and now see attached documents Federal law permits you to dispute credit report errors with the credit bureau on whose report you find the error. You can dispute errors online via the bureau 's website or in writing by postal mail. If you chose to dispute the error online, you can even upload supporting documentation via the bureau 's dispute portal.

Law said if it cant be corrected it must be removed

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 2019-12-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I had a balance of {$1600.00} owed to Pro Collect Collection Service. I made an agreement to pay the amount in 3 months, in which I did. The {$1600.00} was for a bill to the XXXX XXXX. 

I asked the collection agency if they was going to delete the collection from my credit reports, when I paid the balance in full and they assured me that they would.The balance was paid off in XX/XX/XXXX. 

The collection is showing a XXXX balance on the credit report, but it is still on my credit report. 

I called this morning, and they transferred me to a lady named Mrs XXXX, and she said that she didn't see it in the notes, and they were not going to delete it and hung up the phone on 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 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is false and misleading debt. I never attended XXXX University in 2018. And any from a university was paid from financial aid. Failure to remove debt, will result in a law suit. 

Company name is XXXX 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 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened citi bank account on XXXX XXXX after seeing there promotion for {$400.00} bonus when you transfer {$15000.00} in new money to citi with in 30 days. 

i was requested evidence such as social security, utility bill etc to approve account. my account was under review. I sent those within couple of days. Also i made a XXXX funds transfer request same day i opened account through their account opening online process which was never went through because my account was not approved in timely manner. 

I had to call multiple times and check when my account will be approved and was always told it is approved by back office. we can send them a request to expedite it. Also i was always told by rep that this period won't affect my bonus. 

Finally it was approved on XX/XX/XXXX when i got welcome email from citi after 43 days. Now i have transferred XXXX but m being told by citi rep and supervisors that m not eligible for this because its over 30 days. My account was not even approved for 30 days so how can i fund it when it was not approved and i don't even have my account number.

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 2019-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
ARS ACCOUNT RESOLUTION - {$250.00} I called ARS and they could not provide me with a copy of the bill in question or what services were given. I do feel that this is my deceased fathers debt, as we have the same name.

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 2019-12-20 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: CA

Complaint narrative:
On XX/XX/XXXX, I filed for relief under a CH XXXX specifically because my fiance and I had purchased a XXXX XXXX  in my name. The payments were extremely high and when we decided to part ways the vehicle remained with me ... as did the payment. I retired in XXXX and live on a fixed income, however at no time was I ever late with any payments for the vehicle as well as my mortgage and any open credit cards. I had first tried to refinance the vehicle to lower the payments, but the credit union said I would need to pay an additional sum of $ 6K- $ 8K just  to bring the amount down. I tried to return the vehicle to the dealership, but of course they would not take it. Long story short I decided my only option would be to file for CH XXXX. I also had cancelled the GAP insurance on the vehicle as well as additional service warranties I had taken out on it. Those funds, in excess of {$3500.00}, went directly on account for the vehicle and the credit union kept then even after the CH XXXX had been filed, which is illegal according to BK rules. This is not my actual complaint though. My issue is that all of the credit card companies as well as the credit union continue to report that I was delinquent. This was NEVER the case. On my credit reports they tend to continue to not only show as " potential risk '' they show as having been delinquent. I have disputed all previously both individually with the companies as well as XXXX, XXXX  and XXXX, however they still remain listed separately and showing as a risk and most as having been late. I want to try to buy a small home this year and it is a definite deterrent. When creditors look at my credit history they see all these creditors listed as risks and they were included in my Bankruptcy ... never late, but required to be included by law although I would have reinstated them and kept them open if I had been given the chance. In addition, there is one account that was closed after the fact that I thought had been included and it is old ( XXXX XXXX   ), and yet now it is being reported as if it is a new account and in collections by XXXX XXXX. Once an account is closed they should not be allowed to continuously be sold to potential collectors then have them show as if it is a current account with dates and a new collection. In addition on personal info at one point it shows my last name as " XXXX. '' I've tried to correct this as I have never used this name. It was evidently transposed at one point as my last name is " XXXX. '' Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
06 XXXXOriginal creditor: 06 XXXX 201$XXXX0% paid offXXXXCollection openedXX/XX/XXXXAccount typeCollection AccountBalanceLoan Amount$XXXX$XXXXPayment InfoOriginal loan amount$XXXXBalance$XXXXUpdated onXX/XX/XXXXContactXXXX XXXX XXXXXXXX, MAXXXX(XXXX) XXXX-XXXXXXXX XXXX XXXXOriginal creditor: XXXX XXXX XXXX 201$XXXXPayment InfoStatusCharged off as bad debtUpdated onXX/XX/XXXXPast due amount$XXXX$XXXXMonthly payment-Late payments-XXXX transunion reporting inaccurate information

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