vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was  sent a wire transfer to my business account for my business services. Everything was cleared after 24 hours of being sent to me.     Bank o  f America had no complaints or issues from when it happened. On last week, my business account was frozen and eventually closed because of the wire transfer. I was n't responsible for the wire transfer at all. I am responsible for my personal funds that were in the account before the account was closed. Bank of America has n't released my funds, they have escalated my issue to a variety of different departments. In addition, i have had a variety of verifiable Bank of America representativ es.

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Credit companies deletes my collection for  XXXX   XXXX   XXXX ,  XXXX  and   XXXX    XXXX  but then adds it back with a new date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: NC

Complaint narrative:
ARS ACCOUNT RESOLUTION COLLECTION REPORTED ON  XXXX  ASSIGNED  XXXX CREDITIOR CLASS MEDICAL/HEALTHCARE CLIENT   XXXX   XXXX   XXXX   {$940.00} STATUES OF  XXXX UNPAID DELINQUENCY  XXXX  ARS ACCOUNT RESOLUTION COLLECTION REPORTED ON  XXXX  ASSIGNED  XXXX  CREDITIOR CLASS  MEDICAL/HEATH CARE  CLIENT   XXXX   XXXX    XXXX  {$1200.00} STATUES OF  XXXX UNPAID DELINQUENCY  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am a  XXXX   year old s ingle mother of  XXXX  trying to repay my {$72000.00} student loan since  XXXX . Over the years I received deferrments and have been on the income based plan, which made my payments affordable. My payments were $ 1 XXXX /month on the  Income-Based Plan.  In  XXXX  I receive d a Parent Plus Loan for my daughter 's college in the amount of {$18000.00}. When my daughter grad uated, in  XXXX , it was time to repay th e Plus Loan at $  XXXX /month. I spoke to various representatives trying to find the best way possible to afford these payments. They suggested I  consolidate the  XXXX  loans and have only 1 monthly payment and my payments would probably be close to the same under th e Income-Based Plan. I applied, it processed, and then I received a monthly statement for {$670.00}. When I was finally able to reach someone, they informed me that you ca n't have an Income-Based Plan with a Plus Loan and it was too late to change the loan. I spoke with a manager, who offered no other options. As a single moth er with  XXXX  kids still at home, I ca n't make this payment without selling my home. To make matters worse, the stress and anxiety related to my financial situation has caused me physical problems. I ended up in the hospital and I am now on medical leave with no pay. I do n't know what to do. Every time I call it seems no one knows whats going on and it is very disorganized. Any help would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA is not being fair when it comes to their overdraft policy. They are letting funds hit your account on purpose when the funds are short. for example i made a deposit to cover my transaction and they are still telling me tha t they accurately collected a fee from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC placed an incorrect credit information to  XXXX .   If they can provide any paper signed by me, I 'll upload/send my driver license for your investigators to compare the signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Total Card, Inc.
State: TX

Complaint narrative:
The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: TX

Complaint narrative:
The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I complained repeatly and demanded to correct violations and Nationstar Mo rtgage, LLC did  not take action to correct problem s. Nationstar is a servic er only, pursued the goal of foreclosure on behalt of the  XXXX  or  XXXX  that no real interest in the alleged loan, has no standing to foreclose on my property. I try to resolve problem by applying for loan modification through the  XXXX   XXXX   XXXX   ( H UD  ). In three  months, I was requested for the application ( R MA ) three tim es, plus other required documents repeatly and no single point of contact. On  XXXX   XXXX  and  XXXX   XXXX ,  2017 , I wa s requested to resubmit the third RMA and other documents. While my mod is under " Review '', Nationstar insiste d go ahead schedule for trustee sale on  XXXX   XXXX ,  2017 , which is next week. Nationstar advances for servicing-related expenses fees-such as attorneys ' fees, escrew.force-placed insurance charges, and foreclosure-related expenses. This misconduct and behavior of Nationstar are not acceptable, but they are acceptabls for a disgrace legal system with the judges who are partners with the banks except a few who have fundamental right. They trade human suffering with profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
The following agency is not bonded in the state of Texas, and can not legally collect debt.   Please remove form my credit repot and confirm that deb is not owed.

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 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
I have attached all the documents I hav e. Ocwen is not ac counting correctly. Also back in  XX/XX/XXXX , they claimed I had check returns ... .I have never in my life wrote them a check. I have auto-pay setup for the debit in the   XXXX   of the month. It 's up to them to retrieve these payments, this is how they had it set up. However,  four da ys later they continually would charge me a late fee of  XXXX . In   XXXX   XXXX  , they debited the funds on the  XXXX , and then charged me yet another late fee for the next 3 months.. and a returned check fee ... .Again I have never wrote a check to them. And I have never allowed a auto-payment to go through if the funds were not available. Also, back in  XXXX  I filed chapter  XXXX , and the courts paid what I was behind in, which was about  XXXX . This was during the transition from  Litton Loans to Ocwen, all those payments went to Litton, and Ocwen recharged me for them. When Ocwen came in to play, they put that amount back on, and I have   gone rounds with them for the last few years, and to avail. So I am seeking your assistance.   Also looking at my Payment History they have several times were it states that the payment was reversed ... .NEVER have they or I did a reverse payment. For the payment in   XXXX   XXXX   they claimed that a payment of  XXXX  was made, I NEVER paid that amount, never a partial payment, You will have to really look over all that I have submitted, they are doing me in. The statement are so confusing that I do n't understand them. However, I am always correct on how I do business. Also, I redid my mortgage and it was at a fixed rate of 2.00072 % as of   XXXX  , that was corrected to be 2.00 % in   XXXX   XXXX  . However, along the way in   XXXX   XXXX  , it changed to 4.00 % without any notice. Then   XXXX   XXXX   at 4.00 % my fixed payment was  XXXX ,   XXXX   XXXX   is changed to  XXXX  again without any notice.   XXXX   XXXX   still at 4.00 % ( 30 days later ) it changed to  XXXX  ... .and my balance is not going down much.   Looking at my Insurance activity, I 've always had Farmers insurance but  Ocwen  slapped their own company  ( American Security Group ) on  there when it was time to renew. They denied  Farmers  during that time. That started sometime in  XXXX , seems like they were following the dir t Litton was doing.    Please  Advise V/r    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: PA

Complaint narrative:
On  XXXX   XXXX ,    2017  I disputed  XXXX   XXXX  that its inaccurately being reported on my credit report stating that I owe {$2400.00}. This account is still showing up as pending an investigation which is well over the 30 days per FRCA law. I do not owe this company any monies nor have I ever been late on a payment. I am requesting this account be removed from my report immediately or I will file a compliant with the Better Business Bureau. Attached is proof that I owe  XXXX  dollars given to me from  XXXX   XXXX  and a copy of the contract stating that I had the right to terminate the lease early.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Apelles, LLC
State: AZ

Complaint narrative:
I have been getting phone calls from this number several times a day now for over 2 months. When I Googled this number, it comes up as a scam number -- high risk. Then last week, a ma n left a message twice on my recorder that he is attempting to collect a debt on behalf of Apelles LLC, but  the phone number he left to call back was  XXXX , not as shown on my call logs. I have no idea wh o this Apelles LLC is . I have never received any letter from a creditor informing me that this company has been retained to collect a debt on their behalf. I have filed a complaint with the BBB in  XXXX , OH where this company is headquartered and asked that they cease and desist in calling me and leaving messages on my recorder ( done last week ). I have not received anything back from BBB with a response from this Apelles. I do not have a private voice messaging center as caretakers have access to my recorder as I am in and out of the hospital much due to   XXXX   XXXX   XXXX  . The FDCPA prohibits debt collects from leaving voicemail messages when the voicemail is not completely private with others having access to voicemail messages. My caretakers took these  XXXX  voicemail messages left by this ma n ( no name left ) and are  now aware that I am having financial difficulties. Another call came in again this mornin g (   XXXX / XXXX / 17   ) which tells me that this company has not responded to the BBB ( if it is even this company making these calls ). I  am a very ill person with   XXXX   XXXX    XXXX  and can not tolerate such calls coming into my home numerous times a day. Again, I have not received any letter from creditors info rming me that Apelles has been retained to collect a debt. Any outstanding debt that I have has been addressed directly with my creditors and none of them have retained Apelles to collect my debt. It is enough that I have to deal with the massive amount of robo calls that are coming in every day from all over the country, let alone someone I do n't even know leaving messages on my voicemail about co llecting a debt. I have saved the messages that were left on my voicemail by this man ( again, unidentified ), and if this continues I will file for the {$1000.00} fine for each call that continues to come into my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Online I went   to www.AnnualCreditReport.com to get the one free credit report per year that citizens are entitled to by law.  XXXX  provided this free report online with no problems.
MY COMPLAINT :  XXXX  and Experian both would not provide the free report ONLINE. Their websites told me I had to use snail mail to provide them with paper copies of my drivers ' license, social security card, letters showing my address, lists of past addresses, employment verification, etc. and only then would they snail mail my free credit report to me. In other words, Experian and  XXXX  put up every possible roadblock to make it difficult to obtain the one free credit report per year that citizens are entitled to by law.
MY REQUEST : Please make   XXXX   and Experian comply with the law and provide citizens with one free credit report per year ONLINE like  XXXX  does.
Thank you

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 2017-04-26 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: FL

Complaint narrative:
Hello, I am writing a complaint, due to your false reporting of information on my credit file. There is a bankruptcy chapter  XXXX  appearing  on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the see the county clerk and had a conversation with a court representative. I asked him, " How is it that Experian or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. So I say to you, how can Experian or a third party information gatherer get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/last 4? You are r eporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you  remove it immediately or face a lawsuit. Here is the bankruptcy in question : 1. US BKPT CT FL FT LAU 2. No plantif ( left blank )

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 2017-04-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
I am 77 years of age. My wife passed away in  XXXX . I attempted to assume and become the qualified surviving spouse of a reverse mortgage obtained by my late wife on our residential real property through Reverse Mortgage Solutio ns ( RMS ).   I w as told that in order to assume the reverse mortgage I would have to provide certain information and documents, including my marriage certificate, my wife 's death certifi  cate, my identification ( drivers license and social security card ), and a copy of the probate Court Order awarding the residence to me.
Although the Court hearing awarding me the proper  ty was held on  XXXX   XXXX ,  XXXX , the Court Order signed by the Judge, awarding me the property, was not signed or entered by the Court until  XXXX   XXXX ,  XXXX . When I  obtained the court Order and provided it to RMS, I was advised that it was too late and RMS had sc heduled the foreclosure sale of the property for  XXXX   XXXX ,  XXXX .     During my dealing  with RMS, none of their representatives ever advised me any deadlines to produce the documents. After being advised that we could appeal this decision, I had my attorney submit an " appeal '' letter, which we were later advised was a " waste of time '' inasmuch as RMS would not reverse its decision that I was ineligible due to missing the deadline to provide the documents mentioned above. My attorney as written a letter to RMS a nd  XXXX   XXXX   XXXX . to try to get relief before my house is sold on  XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Credit companies deletes my collection for  XXXX   XXXX   XXXX ,  XXXX  and   XXXX    XXXX  but then adds it back with a new date.

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Credit companies deletes my collection for  XXXX   XXXX   XXXX ,  XXXX  and   XXXX    XXXX  but then adds it back with a new date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
I received a credit card f rom Barclays Bank that I never applied for. I contacted that bank immediately and Barclays informed me that an online credit card application was applied for using my social security number and other information. I requested further information regarding the online application, such as the source location. I then followed through with the identity theft steps outlined at IdenityTheft.gov, one of which is to send Barclays a letter requesting records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act, which I s ent on  XXXX   XXXX ,   XXXX  . Along with the letter I enclosed the following documentation : Proof of my identity : A copy of my drivers license.   Proof of my claim of identity theft : A copy of the police report about my identity theft.   A completed and signed FTC Identity Theft Report.     I request ed that Barclays provide all records relating to the fraudulent account, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Section 609 ( e ) of the Fair Credit Reporting Act states that Barclays must provide documentation of fraudulent transactions resulting from identity theft,  not later than 30 days after the date of receipt of a request from a victim. As of  XXXX   XXXX ,   XXXX  , I have had no response fr om Barclays regard ing the request for records.

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 2017-04-26 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Upon reviewing my credit report I mailed a  XXXX  letter on  XXXX   XXXX ,    2017  by certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,    2017  i issued a fraud alert on my credit report so that this could not happen again. I have not heard back from   XXXX   and would like this account to be deleted from my report.

Company response to consumer: Closed with explanation