vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America chose to open a dispute XXXX XXXX, XXXX for only {$75.00} for an XXXX XXXX XXXX order that totaled {$250.00}. While the {$75.00} was returned evidently BOA never undertook the promised investigation or followed up as the dispute should of been filed for the full amount and I have discovered that despite assurances to the contrary BOA did not bother to either research the claim as presented nor resolve the dispute leaving me exposed to additional unwarranted charges by the vendor in question. 

The dispute was never actually fully considered let alone settled as BOA alleged yet they without any notice to me withdrew XXXX from my checking account under guise of having completed a non existent investigatation and affording me no notice - written or otherwise of my rights to appeal their decision nor warning of their taking of my XXXX XXXX funds as it was implied that they had waited until my XXXX XXXX transfer has occurred to make the unauthorized withdrawal. 

I an attempt to determine what had occurred I encountered BOA customer service representative XXXX around midday on the XXXX of XXXX who in two separate phone calls became enraged and disregulated to an extent I have not witnessed in my nearly XXXX years attacking me in what can only be described as an abusive manner for merely contesting her assertion BOA had the right to take my money given they had provided me no notice or opportunity to respond to their done decision decision. When I cited FDIC regulation E she grew even more angry and combative and after denying my many desperate pleas to speak with a supervisor for what seemed like at least 30 minutes of abusive behavior towards me she in two seperate occasions placed me on interminable holds that ultimately prevented me from speaking to anyone in authority. Following XXXX attack I suffered a XXXX XXXX XXXX which rendered me unable to continue be an effective advocate. 

Furthermore, the money BOA was took was my grocery money for the month and now I basically have nothing to eat, am XXXX by the XXXX, and have a total of XXXX dollars to my name all because BOA did not follow the proper procedures. 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 monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
When my private loans when to navient for repayment, the company would not work with me for affordable repayment plans. Therefore, since I could not make the payments that they required XXXX $ XXXX monthly ) they sent my account to a credit collection agency. Therefore, my loans are now in default and report badly on my credit history and I am struggling to come back from that. I will not be able to afford buy a new home, let alone a new car, even though for years I have made on time payments to the collection agency for my student loans. Navient was unwilling to work with me to lower my payments to an affordable rate and told me in order to afford payments to sell my car, disconnect my cable and to get another job in order to make my payments. They made harassing calls to me over a dozen times a day and left me no choice but to take the option of allowing the loans to fall into collections so that I could get a more affordable payment plan. Now I am stuck with bad marks on my credit since XXXX and unable to come back from this. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
XXXX XXXX has had a Home Depot credit card for three months. I was told my card would be reported to XXXX XXXX by the second month of using the card and it is not showing up on my credit report. I have tried to solve this problem by calling Home Depot but they said it is automated and they could n't help 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 2017-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear XXXX, I am filing a complaint against Chase Bank 's decision of the refusal to our chargeback against XXXX XXXX who lured us to make a deposit to their oversea bank in the amount of {$15000.00} on XXXX XXXX, XXXX. Half year later, XXXX XXXX closed our trading account and refused us to make a withdrawal. By the XXXX XXXX, we still had over {$70000.00} in that account but can not access to it. 

I told Chase Bank XXXX XXXX employee XXXX that XXXX was doing illegal financial activities in XXXX and they failed to deliver their promised service to their customer. Chase just ignored the fact and even did n't take a investigation. They just simply told me that the time frame to file a chargeback was 120 days and I have passed the valid time frame. I told them I was filing my claim for a refund under the XXXX XXXX XXXX which allow us have 540 days from the date we sent the money when was XXXX XXXX. But XXXX just ignored this Scheme and repeatedly told me I passed 120 days time frame. They even did n't know what XXXX XXXX XXXX is. I suggest them study the XXXX XXXX XXXX and take a close investigation at my case. Otherwise, it 's unfair to me due to Chase Bank 's ignorance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
No response. XXXX XXXX keeps calling, more than once a day to collect a debt from my stepson who is out of state. He will never pay the debt. We allowed him to use our address for his mail for a short time. He has never lived here. Not responsible for a XXXX year old XXXX XXXX. I have blocked the calls, but the still phone rings. I want the calls to stop. Have notified them by mail, returning letters they sent and by phone. They keep calling. If they looked on the internet, they 'd see he is probably in Arizona where he is a frequent guest in XXXX XXXX jail. 
Name : XXXX XXXX XXXX ( or XXXX XXXX ). DOB. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX was id theft victim sent police report violates hippa and cra

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On several occasions, since XXXX XXXX 2017 I have contacted Experian regarding a debt listed on my credit report in error. XXXX XXXX is reporting derogatory information on my credit file and Experian is allowing them to, illegally. I do not, nor have a ever had an account with this company and I do not owe the creditor that they claim is the originator. I have asked Experian multiple times, in writing, to have the company show verifiable proof by way of a dated, signed contract and the company has NOT been able to produce such items because this debt is FALSE information. Experian claims that the debt is valid and has yet to show me HOW. Experian refuses to remove the information and I have NOT properly investigated the situation because they would KNOW that this debt is NOT VALID.

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 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. XXXX XXXX XXXX Auto Finance XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX/XXXX/XXXX, XXXX XXXX XXXX via XXXX CR XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX. ) Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ).

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 2017-10-05 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: TX

Complaint narrative:
After speaking with the XXXX XXXX and being advised that they did not give Transunion permission to list this item in my credit report under public records, I have submitted multiple requests to Transunion requestion that XXXX # XXXX be removed from my credit and have been unsuccessful in doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On several occasions, since XXXX XXXX XXXX I have contacted Equifax regarding a debt listed on my credit report in error. XXXX XXXX is reporting derogatory information on my credit file and Equifax is allowing them to, illegally. I do not, nor have a ever had an account with this company and I do not owe the creditor that they claim is the originator. I have asked Equifax multiple times, in writing, to have the company show verifiable proof by way of a dated, signed contract and the company has NOT been able to produce such items because this debt is FALSE information. XXXX refuses to remove the information and have NOT properly investigated the situation because they would KNOW that this debt is NOT VALID.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Phone number calls every single day, in and outside of business hours to my work phone claiming to be from capital one. I do not have any affiliation with capital One, nor does this agency. 

A search on the internet shows that this is potentially a scam and asks for deposits, social security numbers, and other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I mailed a request regarding Fair Credit Reporting Act ( FCRA ) 609 ( A ) ( 1 ) ( a ) to Experian credit reporting agency and received absolutely no response at all from Experian in regards to my requests.

Under FCRA 609 ( a ) ( 1 ) ( A ) I am entitled to the right to demand to see verifiable proof ( an original contract with my signature on it ) that credit bureaus have on file of the listed account below : Bankruptcy - # XXXX Despite my written request, the unverified item listed above remains on my credit report without any response to my FCRA 609 ( A ) ( 1 ) ( a ) request which provides Experian is required by Federal Law to provide through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report. Otherewise anyone paying for reporting services to a credit reporting agency could fax, mail or email in a fraudulent account.

Below I have listed the details regarding the request mailed certified mail return receipt requested.

1 ) Mailed XX/XX/XXXX and the letter was received XX/XX/XXXX by a XXXX XXXX XXXX # XXXX 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 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinberg Mediation Group LLC
State: AZ

Complaint narrative:
XXXX is calling my friends and family and threatening legal action on a debt not mine. They have my information wrong and continue to call and harass my friends and family after being told to stop calling. 

XXXX/XXXX/XXXX - called friends and family XXXX/XXXX/XXXX - called friends and family XXXX/XXXX/XXXX - called friends and family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: Continental Finance Company, LLC
State: IN

Complaint narrative:
I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed 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 explanation
Consumer complaint received 2017-10-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX i sent a certified letter to Equifax asking them to verify my accounts according to fra rules section 609 ( a ) ( 1 ) ( a ) & 611 ( a ) ( 1 ) ( a ) and section 611 ( 5 ) ( a ) .On XX/XX/XXXX I sent a 2nd certified letter stating that this is my 2nd letter asking for documentation that my accounts have been verified still no letter of reply and the accounts remain on my credit report. Since I have sent these letters I am no longer able to get online on there accounts dispute webpage tells me my information dosent match what they have on file. I called them and asked them about my letters of verifacition they did yes they had received them. I asked where my proof of account verifacition was from them and they told me accounts were verified, but do n't provide me with proof that they have been according to the frca those account must be removed from my credit report because they can not provide proof of verifacition. I am trying to by a house and Equifax has cost me 60 days of not being able to by a house. I also must mention that I wrote the same certified letters to XXXX and XXXX and both CRA replied back with letters within the 30 day period and both of the CRA removed accounts that could not be verified so by law they did exactly what they were suppost to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Third submission XXXX/XXXX/XXXX I spoke to an Ocwen representative the week of XXXX XXXX and was informed that Ocwen was still working on this inquiry. I was informed that my property was NOT in foreclosure. I received a letter from an attorney that my property was in foreclosure. 

I have been misled again by Ocwen and deceived. I have not had a resolution to a modification request and appeal for over 6 months. Ocwen 1 ) asked me for money for an appraisal that was sent by me but never cashed or returned to address the modification appeal related to the valuation of the home, 2 ) Offered a modification if I had XXXX payment, of which I had/have but never sent paperwork to make the adjustment and modification, 3 ) promised to review the last data I sent them over a month ago and call me with resolution but never has, and 4 ) lost or can not find documents they sent to me that I kept and sent to them directed me what to do with the modification appeal. 

Please investigate. 

To : CFPB Im frustrated. I took a call today at XXXX with a representative of Ocwen. I was informed that my home is active in foreclosure. I have been challenging and appealing the matter for almost 5 months. 

As of today, Ocwen reps do not have and have not resolved the original appeal. 

Failed to take into account that I followed instructions. 

Cant find the {$200.00} check I sent for the internal review. 

Has not addressed this letter and the rep does not even know about this letter. 

Wants me to do another letter modification packet with Ocwen instead of resolving this issue on the appeal. 

Noted that I inquired about a payoff and I did not make a request which is a fraud alert activity on my account. 

Please stop the foreclosure action and review the records you agreed to review and resolve the valuation appeal that has been outstanding since earlier this year. 

XXXX Letter To : Appeals Unit, Consumer Finance Protection Bureau XXXXXXXXXXXX XXXX This is a partial letter with the full letter to be attached. The focus here is on repeated request for resolution of an appeal made in early XXXX. 

I disputed the appraisal and assessment in XXXX. Ive sent in a check for {$200.00} for an internal appraisal. I missed my appointment with Ocwen Monday XXXX XXXX, XXXX. 

The home has water damage and suffered a burglary. The pictures of these items as well as the estimate to repair are attached. 

I do inhabit the home in XXXX. 

Please reset my call with Ocwen and my relationship manager to discuss these items. 

This information is true and accurate to the best of my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: David B. Schumacher, P.C.
State: WA

Complaint narrative:
I had a debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. David B. Schumacher , PC,  Attorney at Law, XXXX , OR handled the debt collection. 
Was NEVER notified or served papers. After receiving garnishment papers from my payroll division where I work I started digging. David B. Schumacher, PC, Attorney at Law falsely stated that I was served to the XXXX XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX WA XXXX and after contacting the owner he told me that in fact they tried to serve him my papers several times and each time he told them I do n't know this person and this person does n't live here. The last time the server showed up he threw the envelope at him and left.This was around XX/XX/XXXX or XX/XX/XXXX he said. 

My complaint is how many other consumers have they falsified information about properly serving and notification violating RCW laws

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: BB&T CORPORATION
State: GA

Complaint narrative:
XXXX XXXX is updating an account on my credit profile every month on an amount that is not owed to them. They are saying that I have a balance of $ 7000+ when I do not owe this company anything. I never received a notice of deficiency from the sale of a car that was repossessed. No notices was sent to me regarding this information. I have request proof of these notices and this company will not comply. This balance should not be reported to the credit bureaus. They also go into the account and report it every month to the credit bureaus so that it appears as a new account. They have very unfair practices.

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