vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 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: LoanCare, LLC
State: CA

Complaint narrative:
It is important to note, my loan officer company is XXXX XXXX XXXX. XXXX is a different firm managing my loan payments. I have received in mid XX/XX/XXXX attached statement " XXXXXXXX '' from loan officer XXXX. In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is XXXX. In addition, in that statement, you can see actual payment on XX/XX/XXXX as accounted for and it clearly stated that i overpayed the year of XX/XX/XXXX XX/XX/XXXXand it included a check of XXXX $ made to me to pay for the surplus i paid. I was preparing to make my XX/XX/XXXX payment as usual. but after this letter, i checked loancare.com website and deducted no payment is required. No emails nor phone calls nor mails were received from neither firms until XXXX letter attached which was received in XX/XX/XXXX stating that i was actually late. Before i even knew, I went to loancare.com late XX/XX/XXXX to pay for XX/XX/XXXX and realized the issue and paid for both XX/XX/XXXX and XX/XX/XXXX. that day spent hours on loancare interface, i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed. Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared. However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake. This company been redirecting me from one department to another and today i was redirected to a fake email XXXX They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month. despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified. I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing. Regards, 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 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XXXX XXXX, 2017, while reviewing my XXXX XXXX XXXX report, I noticed an alert to a credit card balance with Discover in the amount of over {$3000.00} for an account ( no. ending in XXXX ). I immediately contacted XXXX and told them that I never applied for a credit account with Discover. I contacted Discover and informed them that the account in my name was fraudulent. I also filed a police report. Discover denied my claim of XXXX XXXX and Credit card fraud without providing me any information of probative value in defense of my claim. They indicated that I would be billed under a new account number. I sent a letter dated XXXX XXXX, 2017, requesting reconsideration of their decision, along with a request for information and documents. I also submitted compelling data in my defense : Indisputable data from my Bank transactions and Phone GPS tracking log, other info, that clearly show that I was nowhere near the location that the fraudulent credit card activities occurred. I demonstrated that I have an excellent credit rating and that my purchasing travel and payment habits have remained consistent for years. Discover refused to retract their decision and failed to respond to the request for information. Ultimately, Discover closed the fraudulent account ( no. ending in XXXX ), and opened a new account, ( no. ending in XXXX ) in my name, without my approval. Discover then transferred the approximately {$3900.00} balance from the fraudulent account ending in XXXX along with a transfer fee of {$140.00}. to the new account ( no. ending in XXXX ).
To date, I have filed claims with the major three credit reporting agencies : XXXX, XXXX, and XXXX, Discover, XXXX Md. Police., XXXX Inspector, FTC , MD Attorney General, and the FBI 'S Internet Crime Complaint Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY ASS has been trying to collect an account for   XXXX   XXXX   Credit card that does not belong to me. They have been sending me letters and placing threatening phone calls to me trying to force me to pay a debt that   XXXX   XXXX    turned over to them that is fraudulent and that was opened in my name as a result of identity theft. I have made them aware that this account was fraudulent and I have made   XXXX   XXXX   aware as well, however they continue to contact me and continue to make threats against me. They have told me that I could be arrested for not paying this account to them even though they are fully aware that this is a fraudulent account just the same as   XXXX   XXXX   XXXX   is aware that this is a fraudulent account. I have supplied both   XXXX   XXXX   and Portfolio Recovery ASS copies of my police report, and identity theft Affidavit, but they continue to refuse to close this account from my name and continue to try to force me to pay this fraudulent account by telling me that I can be arrested even thoug the account does not belong to me. The partial account number for the account is  XXXX . They have this account placed against all  XXXX  of my credit reports and are defaming my character by continuing to report this fraudulent negative account against me which is both willful and malicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I deposited a {$5000.00} check to my checking account on  XXXX   XXXX , 2017. I received an alert message that the funds are being withheld until   XX/XX/XXXX   because of insufficient. The check was written by a local roofer as a refund check. The roofer 's bank is local (  XXXX  ) to my area not even  XXXX  miles away from ant Wells Fargo in  XXXX , Alabama. In conversation with roofer and showing me that the {$5000.00} has been deducted from his account. My bank statement activity says it was posted to my account on  XXXX   XXXX , 2017, and no where on the statement says pending deposit. The money has been deducted but, but I still have to wait 10 - 14 days before Wells Fargo will release my funds. The representative I spoke when I called  XXXX  that the funds could be released if I had a balance of {$1000.00}. My ending balance is {$420.00}. That 's confusing because if their is insufficient funds in the roofer 's account, why would Wells Fargo release {$5000.00} with only {$1000.00}? What sense is that. I recorded my conversation if verification is needed. The {$5000.00} is insurance money that was refunded because the roofer and I decided I would buy my own material for a complete roof installation. Wells Fargo  XXXX  branch is intentionally holding my funds in my opinion because I filed a complaint concerning a   XXXX    male worker lied to me concerning getting documents notarized. If the funds have been debited from the roofer 's   XXXX   XXXX   account, why I do n't have access to the {$5000.00}. The roofer 's will start the job tomorrow,  XX/XX/XXXX  with a completion date of  XX/XX/XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: First Data Corporation
State: WV

Complaint narrative:
I am so frustrated with Telecheck every time I write a check to a telecheck merchant regardless of amount telecheck denies it and markes it code 3 I have called telecheck numerous times to get this corrected and they informed me that the account is too new and to continue writing checks to build up history with Telecheck I informed them that this was the last time they was going to embarrass me in public by declining my checks I also stated to them how can I build up history if you are always declining them I do n't see how this company can interfere with me and my check writing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: MD

Complaint narrative:
XXXX   XXXX   placed a charge off account on my credit bureau files. They did not advise me of my rights to dispute such debt.   XXXX   XXXX   is advising that the last payment they received was for  XX/XX/XXXX . They did not charge off the debt until  XX/XX/XXXX . Per the FDCA this account should have been charged off 180 days from the first delinquency. They did not charge the debt off until 360 days after the time frame that they are claiming the last payment was made.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-18 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Hello, I am writing this message because I am having a problem with the credit bureaus. As im going over my credit reported dated   XXXX     XXXX  2017. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to give me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification.
Also there is an account thats haunting my credit report to the extreme, its called   XXXX   XXXX   XXXX   This has been reporting to my account for some time now, i have tried disputing and calling to let the bureaus know that this account does not belong to me AT ALL! I have no contract with this company. Its been disputed, but keeps coming back verified. The FCRA states that if they can not validate the debt, it has to be removed.Its an unverifiable account.please remove it/them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On  XXXX - XXXX -2017 I agreed to pay SunTrust bank {$60.00} to wire {$6200.00} to   XXXX   XXXX   in the   XXXX   XXXX   for my wife to receive on  XXXX - XXXX -2017. All the money never made it to   XXXX   XXXX  . After my wife spent two days going to   XXXX   XXXX   and making phone calls we found out that Sun trust bank sent my money to   XXXX   XXXX   and   XXXX   XXXX   sent the money to   XXXX   XXXX   and   XXXX   XXXX   charged a fee and took it from the {$6200.00}. This money were to be used to pay off a mortgage loan but, by the money being late and never showing up, it cause me to pay an extra {$220.00}. I have called the branch and sent emails. Also I have filed a complaint and called other departments as much as ten times but as of today no one has returned my phone calls explaining why   XXXX   XXXX   were allowed to help themselves to my money without me knowing anything.

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 2017-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America says I was 30 days late in  XXXX  2017. Please see attached payment history ( specific to account ending in   XXXX   ) from  XXXX  2017 to present showing on-time monthly payments.

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 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I requested a new debit card on  XXXX / XXXX /17 because mine was stolen on that day so the bank Wells Fargo issued another card with a new number, I received it and activated it but never used it yet then on  XXXX / XXXX /17 I checked my account balance online and noticed   XXXX   check deposits where made on  XX/XX/XXXX  for $  XXXX / $  XXXX / {$500.00} at an ATM somewhere far in west   XXXX   far from where I live and do all my banking at then that same night there was a purchase at a   XXXX   XXXX   XXXX   XXXX   for {$3.00} with {$370.00} cash back for a total of {$380.00} then an ATM withdraw the next morning for {$300.00} I reported this immediately and was informed a few days later the claim was declined the bank said it was impossible for someone to copy my card because of the chip I ask how is this possible when the new card has never been out of my possession and I have not used the new card I ask if they mailed another card to a different address or what pin was used I feel this had to have happened somehow but the bank would not tell me anything I advised I filed a police report and the police need more evidence copy of check deposits camera footage they said I can get copy of the checks but camera footage they will not do unless ordered my the courts, I received the copy of the deposited checks and the signature is not mine. Ca n't the bank see this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC
State: VA

Complaint narrative:
Put bill on my credit without any type of notification

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX   XXXX   XXXX   says I was 30 days late in   XXXX   2017. Please see attached payment history ( specific to account ending in  XXXX  ) from  XXXX  2017 to present showing on-time monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX   XXXX   XXXX   says I was 30 days late in   XXXX   2017. Please see attached payment history ( specific to account ending in  XXXX  ) from   XXXX   2017 to present showing on-time monthly payments.

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 2017-07-18 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:
It is important to note, my loan officer company is   XXXX   XXXX   XXXX    XXXX  is a different firm managing my loan payments.
I have received in mid  XX/XX/XXXX  attached statement "  XXXX  '' from loan officer su.
In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is  XXXX .
In addition, in that statement, you can see actual payment on   XXXX   as accounted for and it clearly stated that i overpayed the year of  XXXX  and it included a check of  XXXX  $ made to me to pay for the surplus i paid.
I was preparing to make my  XXXX  payment as usual. but after this letter, i checked  XXXX  website and deducted no payment is required.
No emails nor phone calls nor mails were received from neither firms until   XXXX   XXXX  etter attached which was received in XX/XX/XXXX  stating that i was actually late.
Before i even knew, I went to   XXXX    lat e  XXXX  to pay for   XXXX   and realized the issue and paid for both  XXXX  and  XXXX .
that day spent hours on   XXXX   XXXX  , i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed.
Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared.
However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake.
This company been redirecting me from one department to another and today i was redirected to a fake email  XXXX  They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month.
despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified.
I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing.
Regards,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hello, I am writing this message because I am having a problem with the credit bureaus. As im going over my credit reported dated   XXXX    23rd 2017. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to gi  ve me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification. Also there is an account thats haunting my credit report to the extreme, its called   XXXX   XXXX   XXXX  . This has been reporting to my account for some time now, i have tried disputing and calling to let the bureaus know that this account does not belong to me AT ALL! I have no contract with this company. Its been disputed, but keeps coming back verified. The FCRA states that if they can not validate the debt, it has to be rem
oved.Its an unverifiable account.please remove it/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 2017-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On  XX/XX/XXXX I mistakenly made a duplicate payment online to Navient. I called Navient the next day to request a refund of the duplicate payment in the amount of {$250.00}. The customer service rep informed me that it would take five to 10 business days to receive my refund. When I had n't received the refund by day eleven, I called Navient again. This time the customer service person told me that it usually takes 12 to 14 business days to receive a refund. I waited and when I still had not received my refund by day 15, I called Navient a third time. This time the customer service person said that it usually takes 30 to 60 days. I told her that I had received two different responses when I called previously and that there is no way that it should take that long. She put me on hold to speak with her supervisor and then told me that they would have to issue my refund in the form of a check. I then asked to speak with a manager because I felt like I would never receive that check and my refund should have already been processed. She put me on hold once again to speak with her supervisor and then told me that my refund would be sent directly to my bank account and I should receive it within 5 to 7 days. I gave her my account information and she gave me confirmation #  XXXX . I requested a refund on  XX/XX/XXXX  and it is now  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I had filed a complaint last month charging fees that I had restated my mortgage then they tried to charge after ...  XXXX  account resolution officer said it was fixed and you closed my case after you closed it they went back in and charged it again I attached   XXXX   statement showing correct   XXXX   statement they doubled the attkrneybfees and charged more fees ...

Company response to consumer: Closed with explanation