vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: KY

Complaint narrative:
US BANK -- In regards to case Case # XXXX -- US BANK I think the point here has been missed. US Bank freely admits that they stopped sending me monthly statements on an account that has a different amount due every month as well as revoking access to the account so that I could not make payments. They are clearly at fault here for the only missed payment I have every made. During the time that this account was in their " Lien Monitor '' status I was also unable to make any payments. I spent hours each month in my local branch trying to sort this out, even the branch manager did NOT know how to make a payment on this account. I have multiple hours of calls recorded where US Bank associates repeatedly tell me that I CAN NOT make a payment on this account. <P/>The delinquent taxes were from before I owned the property and before this HELOC was opened but I paid them as soon as I found out about them. which was last XXXX. The response letter also states that I made payments for XXXX through XXXX, but my credit report shows no payments from XX/XX/XXXX until XXXX of XXXX, which their letter clearly shows in not the case I am not sure how US Bank can just say, yes we did that and no, we are n't going to fix that, messing up my life for the next 10 years. What 's even more egregious is how the original case would be closed with that as an acceptable answer. It seems to be more of a Bank protection bureau not a consumer protection bureau. <P/>US Bank fully admits revoking access to the account as well as the ability for me to even make a payment. I have 2 of US Bank 's own branch managers that are just as shocked and confused by this as I am and fully agree with me that this should not be reported as a late payment since even they could not figure out how to make payments to this account, Each month took a minimum of 2 hours in a branch to make payments which was time off of work as well and I have about 6 hours of recorded phone calls with US Bank repeatedly telling me that they CAN NOT take a payment from 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 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
Pennymac is not acting in good faith, and are ignorant to my complaint, they are reporting a negative account under my name with no history. Despite several attempts to correct it and advising them that it 's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: NC

Complaint narrative:
I am attempting to pay off the debts I have that are negative marks on my credit. In looking at a medical bill collection I noticed that under XXXX my medical debt is listed under Syndicated Offices for XXXX $ but it 's listed on XXXX under Central Financial Control for the same XXXX XXXX I never received any collection notifications in the mail or by phone call from either of these collection agencies. How do I know that these companies are one in the same? Why are they listed as two different businesses? How do I know that offices in California have a right to collect for North Carolina? <P/>I did research and it said that they had to provide over XXXX $ XXXX to people in California. It just seems very odd to me and I want to make sure this debt is actually mine and not some type of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent in several disputes between XX/XX/XXXX 2017 and XX/XX/XXXX 2017, requesting for XXXX XXXX and Equifax to update my Public Record Tax Lien as " Paid '' or to have it removed. I recently applied for a Mortgage, and my credit report is showing that I have an unpaid Tax Lien. The Tax Lien was paid on XX/XX/2017, a portion of my federal refund was taken by the IRS and they paid the debt to the XXXX state, I have a letter from the IRS. I contacted the XXXX XXXX XXXX and they show me as paying the tax lien, they stated they do not report " Tax Liens '' to the credit bureaus, they stated these agencies looked up my public record and obtained the information from there. I have contacted the credit bureaus again, and I faxed them and mailed the documents showing that the Tax Lien was paid, but they still are reporting it on my credit report as " Filed '' and XXXX XXXX is reporting an incorrect amount. I have attached documents for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XXXX XXXX XXXX I received my social security benefits. I went to Chase bank at XXXX XXXX XXXX XXXX and tried to make a cash advance for {$1300.00} the teller got the XXXX XXXX XXXX debit card and ID and attempted to process the transaction, she said it would not go through. ONLY then did she tell me they were having computer issues. When I got back to my car I received a text from XXXX XXXX that my account was debited {$1300.00}. I went back to the bank 3-4 minutes and showed teller on my phone that the transaction did go through. They said the system would reverse the charge after midnight, it did not. On XXXX XXXX I went back to bank with a copy of statement from debit card. Bank loan officer said they realized it was their system failure stated he received email stating that, he would not give me copy of email?? On XXXX XXXX went back to bank, had gotten name of manager her initials are XXXX explained situation to her and she would not take any responsibility for error, very sarcastic I told her I was n't leaving until I had some evidence from them of problem. She would not do anything to help me and called police. When officer arrived I explained why I was distressed, I was not yelling are screaming. He asked that I would wait in my car while he talked to people in bank, when he came out he was sympathetic to my problem. He asked me to wait until XXXX if I had not received my money back he would write up a Fraud or Theft report. I 'm about to be evicted and behind in normal bills. Both the loan officer and manager of bank have flat out lied straight to my face. Today 's date XX/XX/17 this has been going since XX/XX/17. <P/>Needing help XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
unauthorized person withdrew money from my savings account on XX/XX/XXXX, 2017 from Ally Bank/XXXX XXXX, XXXX. <P/>Person of interest is an employee.

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 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
Case # XXXX Please Do not closed this complaint unless this issues is resolved I have never had a XXXX XXXX account I have asked this company to please Validate this debt and they have failed to do so! I 'm asking again Re : Acct No XXXX To JEFFERSON CAPITAL I am  writing this letter in response to the phone call/letter received from you on XXXX17. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. <P/>Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and.Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. <P/>Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. <P/>Thanking you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was charged a finance charge on a credit card balance. It was for {$1.00} XXXX dollar. I was marked as 30 days late on my credit report. The Card Issuer, Wells Fargo refuses to remove the 30 day late, now it has negatively impacted my credit score and I am bgoing to be rejected for the mortgage I have applied for. I would like Wells Fargo to remove the 30 day late from my credit file.

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 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
A new servicer took over our home loan recently and has started charging a service fee of {$15.00} for regular online payments using our bank account. Our previous servicer never charged us a fee to make regular online payments. I disputed the charge the first month over the phone and it was waived. I was able to make a payment online last month without a charge. This month the website indicated I would be charged {$15.00} to make the payment. I called on the phone and disputed this again. The said the lowest they could charge would be {$10.00}. I told them that if they insist on doing this, I will file a complaint with CFPB. I was forced to make the extra disputed {$10.00} charge to make sure the payment would be there on time within 4 days left in my grace period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: NY

Complaint narrative:
I have advised Experian of a collection account from XXXX XXXX that it dose not belong to me. However, they still continue to report, with any supporting documents. It 's also been removed from XXXX XXXX XXXX, which is an Experian product, and it 's reinsert.

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 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: UT

Complaint narrative:
I received a collection notice from ERC dated  XXXX / XXXX / 17  in the amount of {$610.00}. I placed a call to ERC  XXXX / XXXX / 17  to make payment arrangements on the account. After I had discussed the payment arrangements, I then checked my credit report. The credit report verified that a Collection account from ERC was placed  XXXX /2017. The letter that I received from ERC dated  XXXX / XXXX / 17  was 30 days after the collection account was placed on my credit report, ERC did not notify me prior to placing a negative item on my credit report and did not allow the time to satisfy the account prior to reporting the collection account. ERC should allow 30 days notice to consumers before reporting negative items on credit reports. With the negative impact this account has had on my credit report, it will prevent Homeownership due to lower credit scores, it will also prevent employment opportunities that would allow for advancement to my career. This has a tremendous negative impact to many aspects of my life. I should have been give the opportunity to resolve the account with ERC prior to the negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet is my servicer for my student loan for my XXXX studies. My account number is XXXX. I took 2 loans out to pay for my XXXX {$20000.00} and {$12000.00}. Due to financial hardship over the last few years, I have had to defer my student payments until my divorce is final and get back on my feet. Recently, I received a notice that I was late on my student loan??? I thought I had a deferment. I look at the website and my deferment was denied in XX/XX/XXXX. I never received this letter. I called NelNet and got an excellent representative XXXX. She explained what Nelnet had done to me since XX/XX/XXXX.  Nelnet has been capitalizing the interest on my principle since XX/XX/XXXX. This now makes my {$33000.00} principle increase to {$37000.00} which I am now paying/accruing interest on. This was done without my knowledge. This was not explained to me. XXXX explained it did not have to be explained to me but now the Department of Education mandates that borrowers need to be told that deferments or forbearances will the capitalized interest and become part of the principle. Now, I am PAYING INTEREST ON TOP OF INTEREST. Who is making this extra money? I am in a hardship situation and the lender or servicer is gouging students with this usury type practice. On XX/XX/XXXX, I had an admin forbearance prior to deferment that capitalized interest. On XX/XX/XXXX, I had a grace period deferment that capitalized interest. On XX/XX/XXXX, I had an admin forbearance that capitalized interest. And now on XX/XX/XXXX, I will have a forbearance deferment that will again capitalize interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBAV compass is chargin XXXX dls to cash every single check that totaling XXXX dls or more, I did a complain and they call me and tell me that if I do n't wan na be charge, then I have to open an account, is that even legal? The person whom told me that is XXXX XXXX Retailing executive at XXXX XXXX, a ) is n't illegall to retain money from a payroll check? B ) they do n't have a legal receipt for that fee, they charging and do n't have a proof of that c ) they want you to open an account to avoid that fee. And also told me that every single bank is doing the same

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have unauthorized inquiries reflecting on my credit report that should not be there. This issue has not been resolved even after complaining through the Equifax portal, certified letters sent to Equifax, CFBP and BBB. I was told to submit copies of my complaint along with the inquiries that I was disputing to Equifax. Even after doing so, I was told that Equifax does n't dispute inquiries and that I needed to contact the creditors individually to ask them to removed the unauthorized inquires. I spoke with each creditor and was told that because I do n't have an open account with them they are unable to provide me any documentation to have the inquiries removed because they have no record of me in their system. I am always given the run around and Equifax has been unwilling to help me get this matter solved. They even put a fraud alert on my credit report ( which I recently requested to be removed ), but did n't resolve my issue at all from previous inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
I have had oral and written communications with Receivables Management Systems ( " RMS '' ) numerous times at the beginning of them placing a medical debt payment on my credit report ( XX/XX/XXXX ) and as recent as of XX/XX/XXXX. I do not and have never had a written contract with RMS to pay them anything and have denied over and over again owing the medical debt they are repeatedly asking me for. They claim that the debt was purchased from XXXX XXXX. I had a contract with XXXX XXXX, but my insurance company paid that off in either XX/XX/XXXX or XX/XX/XXXX. I DO NOT HAVE A CONTRACT WITH RMS and never signed or agreed to pay them anything. have even hired XXXX XXXX XXXX to get their assistance in removing the duplicate collection payments from all three credit reporting bureaus. Once XXXX XXXX XXXX got involved, instead of RMS deleting the collection data from my credit reports, they placed a duplicate collection on my reports showing that I owe {$0.00} and that payment was received. However, the original collection they put on my reports is still there and shows on my reports as an additional collection, with a new start date as of XX/XX/XXXX ( starting the seven year removal cycle all over again ). This has turned from bad to worse because it is showing up on my reports as a new collection debt and has lowered my credit scores by an average of 22 points. RMS has been playing games and have been very uncooperative. They just wo n't budge and seem to enjoy doing detriment to my credit score, even though they can not produce any papers showing that I have an agreement with them to pay them anything. I want all of their collection debt information deleted from all 3 credit reporting agencies immediately. I realize how important good credit is and have been working extremely hard to improve all aspects of my credit. Negative 22 points is a large set back to be placed on anyone 's credit and especially if it 's not valid or proven. <P/>Please help me get this bogus medical debt removed from my reports. You are my last resort to getting this officially taken care of once and for all. <P/>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 explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USI Solutions Inc.
State: NY

Complaint narrative:
This company has called multiple times about an old phone number from 15 years ago that they say I owe money on, which is false. When I try to get further detail, they yell and berate. A XXXX search of the number reveals that it is a scam and they are tied to other companies and phone numbers that have multiple complaints about scams. I believe the website is XXXX XXXX XXXX in the last call I threatened legal action. I am still on auto-dialer, but no one will pick up and it does not go to voicemail when I call back.

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 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
On XXXX XXXX XXXX, a client deposited the amount of {$3000.00} ( USD ) into my business checking account at Suntrust Bank. When deposits are made on a business day it takes a 24 hour period normally for the funds to be available and if the bank is in the same area of the account then there normally is no hold. However, when I checked the business checking account it stated on XXXX XXXX XXXX that there would be a hold on {$2800.00} until XXXX XXXX XXXX. However when I checked the account again on XXXX XXXX XXXX, Suntrust Bank decided to place a hold on {$400.00} until XXXX XXXX XXXX and then put a hold on the remaining {$2400.00} until XXXX XXXX XXXX. When I contacted Suntrust Bank on XXXX XXXX XXXX, I spoke with a representative named XXXX and was told that these holds were not policy but at their own discretion. I informed the representative that this inconvenienced my ability to do business and that these funds should be available especially if there were no push backs from the bank in which the deposit was drawn from. Based on the representative and his management this is a system process and there was nothing they could do. I informed the representative that this was unacceptable and that their explanation was not enough.

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