vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On Saturday,  XXXX   XXXX  we notified Bank of America that they incorrectly deducted  XXXX  payments for our credit card payment from our bank account, both of which are Bank of America accounts. We did an online bill payment from our Bank of America checking account in the amount of {$5300.00} to pay off our Bank of America credit card balance and then the same day they deducted an additional {$5300.00}. When we called on  XXXX   XXXX  to notify them of the double withdrawal, we spoke to a live agent and were told it would tak e 3-5 busi ness to return our money. We disputed this since all of the money was in Bank of America accounts but they explained that they had no control over getting a refund processed by their own credit card to their own bank accounts. Today is Sunday,  XXXX   XXXX  and it 's 8 days later ( the  XXXX  wa s the 5th business day ) and  they still have not refunded our money. Every day that we call for a status, we 're told the refund will be the next day, but it 's never happened. The extra {$5300.00} they took was pretty much all we had left in the account. We 've gone 8 days without this large sum of money. And we have n't been able to get any cash because the balance is so low and our bills are set up on auto payment so many of them are still trying to clear the account, deplenishing what balance we do have left. For them to keep our {$5300.00} for 8 days is ridiculous when the money is in their own accounts. They could have cut us a check within these last 8 days but instead we 've been told we have to wait for the credit card to issue a refund to us. We 've had to borrow money to get by while they hold our money. How much interest are they making from us and who knows how many other customers they are doing this to?

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 2017-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I spoke with a representative from the following company :  XXXX   XXXX   XXXX  ( collection Agency )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  In regards to partial acct #  XXXX  ( original creditor Capital  One ) In regards to a negative account on my credit. The representative told me he wo uld make a payoff settlement of {$1000.00} to settle the original debt of {$1200.00}, which was withdrawn from my checking account on  XXXX   XXXX    XXXX  . I just went into my credit report and they are reporting that I still owe the remaining balance of {$250.00}. I was told several times that my debt was settled and they would report it paid off to the credit bureaus. I even called a second time and spoke to a " floor manager '' and she said that the debt was resolved on the settlement amount and it would take 10 days for a letter to be drafted and reported to appropriate credit agencies. I have spent countless hours on the phone and cleaning up my credit report for the past 6 months. I am trying to get approved for auto loan within the month of  XXXX  and they have completely ruined my chances of that happening by not holding their end of the bargain and settlement amount. I will be reporting this to the BBB, Attorney General in Utah, and any other appropriate agencies necessary. Please help me as I need this reported to the credit agencies asap.     Thank you,  XXXX   XXXX  ends in  XXXX  Mailing address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , UT  XXXX   XXXX  address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , ut  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
STATEMENT OF THE CASE On or about  XXXX   XXXX ,   XXXX  , PRM caused to be included in Complainants consumer files, and recorded upon Complainants investigative consumer report ( ICR ), as maintained by   XXXX   XXXX   XXXX   XXXX    consumer  reporting agencies, adverse and derogatory information alleging Complainants default upon a debt owed to the  XXXX   XXXX  and  XXXX   XXXX   (   XXXX  ) to the sum of  XXXX   XXXX   XXXX   ( { $820.00} ) and     XXXX   XXXX  . The reintroduction of this information in Complainants consumer files and recordation upon his  ICR  violates the FCRA and FDPA.

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 2017-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I signed up for the Target  Red Card tha t is supposed to be a debit card. They sent a credit card. This is now a new credit product on our credit bureau that I do not want. Target is able to close the card, but not to remove it off our credit bureau. They also will not take away the commission that the Target associate received for fraudulently opening the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account n ot a Student Loan Education Account, and they are not showing as current. I have been making  automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still show s as " Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.      The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurt ing my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I h ave spoken with  XXXX   XXXX  and their answers a re : " Sorry, W e ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.

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 2017-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account not a  Student Loan Education Ac count, and they are not showing as current. I have been making automated payments since    XXXX   XXXX   XXXX    faithfully in the amount of {$200.00}, but in  XX/XX/XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as "  Past Due  '' with no payment listed as " OK '' it has a " C '' which represents Collection.     The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with  XXXX   XXXX  and their answers are : " Sorry, We ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.

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 2017-04-30 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: TX

Complaint narrative:
Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account n ot a Student Loan Education  Account, and they are not showing as current. I have been making automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as "  Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.      The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with  XXXX   XXXX  and their answers ar e : " Sorry, We  ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I am writing abo ut Navient (   XXXX   XXXX   ) . I cosigned  XXXX  loans - the first in  XXXX   XXXX  and the second in  XXXX   XXXX . The first had an interest rate of 12.25 % and the second had a rate of about 10.5 %. The total principal borrowed is {$16000.00}.   Based on the payment plan given by Navient, the first loan was supposed to be paid off in  XXXX   XXXX . To date I have paid over {$12000.00} yet Navient says we owe {$16000.00}!!!! This does not seem right. Where are all the payments going? After all these year the loan balance is even higher!! How?   The loan history report does not show the remaining balances after each payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
XXXX   XXXX ,  XXXX  Specialized Loan Servicing LLC  XXXX .  XXXX   XXXX   XXXX , CO  XXXX  Dear  Sir/Madam, You  continue to send me information re : research but have not updated my account to reflect the information provided to you by  XXXX  who sold you the loan.  XXXX  sold my loan to SLS and I am paid until  XXXX   XXXX . SLS does not acknowledge this and continues to mark my account past due.  XXXX  has provided the information  3x pe r my request and still no change in my account status or SLS acknowledgement in violation of RESPA.  ( 12 U.S.C. Section 2605 ) An SLS representative called the w eek of  XXXX  and informed me that SLS is aware that I am paid until  XXXX . I requested this in writing but as of  XXXX  have not received this acknowledgement and there is no change to my account status. Am I to assume you will not honor the account status relayed to me by phone on  SLS  continues to send information to the wrong address ( see attached notices ). My correct address, which I have sent to SLS via official  XXXX  notification and which  XXXX   ha corr ectly noted, is :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , GA  XXXX  Contact dates and times. All calls are recorded :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    ID #  XXXX  Received RESPA notice on  XXXX  which SLS has already violated  XXXX   XXXX  ID #  XXXX  No name ID #  XXXX   XXXX   Executive Ser vices says they do not have information that I am paid until  XXXX   XXXX  Was told my rep that there wer e hundred of loans sold to SLS that SLS has not processed correctly and for whi ch they have no information.    XXXX   XXXX  no ID # Requested welcome letter and payment notice and received information on an Automatic Payment Program  XXXX  Requested  XXXX  send another payment history to SLS  XXXX  The most thorough call where details of the account were discussed  XXXX ,  XXXX  automated calls with no change in status Received a notice that research is being performed on the account. Research for 2 months when the information was provided by myself,  XXXX , and I was told research was being conducted on  XXXX / XXXX / XXXX ?    XXXX  A notice that {$570.00} is due to bring my account current, but my account is paid until  XXXX   XXXX  per the information provided to SLS by  XXXX .   The statement received shows a past due amount of $ {$420.00}, but I am paid until  XXXX   XXXX .     SLS is sending notices that they are researching while sending statements that my account is past due, when I am paid until  XXXX   XXXX .      XXXX   XXXX   XXXX  Account #  XXXX  Consumer financial Protection Bureau #  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 2017-04-30 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Details Last Reported XXXX XXXX, XXXX Collection Agency KIMBALL TIREY & ST. JOHN Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks I notified the manager that she had renewed my lease with the wrong date and she never fixed The apparment building become a XXXX with XXXX in and out I told the building manager I had to move the new residents and guess violated the non XXXX XXXX lease and I have a XXXX XXXX who almost got attached in the elevator by one of the guest and I moved when my lease ended ( the actual lease date ) The manager never amended the lease and put me in collection

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
A medical claim was met through deductibles. A total charge of  XXXX  dollars and  XXXX  were sent in.   XXXX   of Illniois covered through insurancr. The total amount I owe on both is  XXXX  dollars. I sen t MRS the  paperwork and told them they were wrong to begin with since I delay with this over a year ago. I retained a lawyer and once this is cleared I plan to sue MRS. My wedding is in a week and because of this false collection it twice prevent me from being  approv3d o n ctedit. The documents were sent to  MRS and   XXXX . Currently is dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to dispute a situation with  XXXX   XXXX   XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of Transunion and Experian. It is past the  XXXX  years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a longer period of time.     There has been very strange activity with this  XXXX   XXXX   XXXX   XXXX  account. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting all payments made from  XXXX  to   XXXX   as well as multiple consistent 120 day late entries from   XXXX   to   XXXX   I have made no payments whatsoever past 12/2008 yet it shows payments resurfaced and also made consistently, with latenesses, occurring in  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . Actual pictures of the check or money order used to make the payments are being requested.     I just want to let the CFPB know that the company response is a lie. They sent me a letter to my home on   XXXX   XXXX  . The account number is also incorrect.

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 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Solutions, LLC (KY)
State: PA

Complaint narrative:
XXXX XXXX has been chasing me up for an alleged debt they said I owed in the amount of {$37.00}. I used to be bundled with XXXX and XXXX XXXX together, but unbundled back in XXXX of XXXX. 
When I severed from XXXX they informed me that I was all caught up in my billing with them and then from there on I would only be paying XXXX XXXX. 
XXXX 's Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX To my surprise, XXXX XXXX later told me I still owed them some money. 
This could n't have been correct because my bill was paid in full. Even XXXX XXXX said I had paid my bill in full. 

I decided to contest the debt with XXXX, and based on legal advice I read on the internet returned to sender all subsequent invoices back to their financial department. I had written to them to cease and desist communications with me, but they kept sending me invoices that I kept returning to sender. 

Months have went by so I assumed they would leave me alone, and if the debt appeared on my credit report I was going to challenge it. 

However, on XXXX XXXX XXXX, a guy named XXXX contacted my father, XXXX XXXX XXXX, asking for my whereabouts. XXXX would not disclose who he was, or what company he was working for. He merely said he needed to speak to his son, " XXXX XXXX XXXX '' about an urgent matter. XXXX 's number is XXXX. He was posing under false pretenses contacting my parents to find my whereabouts whom I have not lived with in many years. 

I called this number and instead of XXXX, a guy named XXXX answered the phone. He asked me if this was XXXX XXXX. I said, " This is He, How can I help you? '' Than he tells me that he works for a debt collection agency called Credit Solutions, and he was hear to collect on behalf of XXXX in the amount of {$37.00}. I asked for a debt verification letter, and based on that I would consider paying it. He never sent the debt verification letter. Their address is XXXX XXXX XXXX XXXX KY XXXX. 
The account # : XXXX So I contacted XXXX that same Evening, and all I got was a complete runaround. XXXX 's financial division were not sorry for getting the debt collector involved, and when I had explained that it is against the Fair Debt Collection Practices Act to talk to third parties without disclosing their full identity to hunt me down, XXXX XXXX XXXX blew me off like the law does not apply to them. 

I contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have use my  TD Bank ( US ) count for over 10 years. I signed up so that TD Bank could not overdraft my account. Every ti me my account was overdrafted I called and corrected the situation which I found to be immoral A number of times. They honored me and replace the funds every time. Recently my account has been significantly lower than usual they have overdrafted me  XXXX  times in the last month. I have contacted them many times telling them to stop allowing my account to debited. They have not honored overdraft protection law.         I was over drafted and not refunded  XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX  Maintenance fee  XXXX  $ on  XXXX   XXXX   XXXX  from over drafting me I was over drafted and refunded  XXXX  $ on  XXXX   XXXX ,  XXXX   XXXX  $ on  XXXX / XXXX / XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted  both National Credit Systems and  XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since   XXXX   of 2016. National Credit Systems is claiming that I owe a debt of {$4000.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation