vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST FINANCIAL BANCORP
State: NJ

Complaint narrative:
I attempted to open an account with First Financial Bank on XX/XX/XXXX. The application and website made it seem as though I could open the account online. I was able to complete the application and was assigned an account number but when I tried to set up online banking I was told that I would need to come into a branch. Since there weren't any branches near me, I called customer service on XXXX and told them that I would no longer be needing the account. The customer service representative ( XXXX XXXX ) said that they needed to wait for the opening deposit {$50.00} to hit my account before they could close it and issue a check. I followed-up on XXXX, XXXX and XXXX, but never received my check. I called customer service again on XXXX and spoke with XXXX XXXX, who said she would take care of closing the account. I also followed-up with her several times : she first told me she mailed the check on XXXX then she told me she mailed it on XXXX and then on XX/XX/XXXX she told me that the check had to be processed in Ohio before being sent to me. I told her I was moving and asked if I could pick up the check at her offices. She just kept telling me to be patient. This bank is giving me the run around. Today, I called customer service again and they told me that I had been charged a {$25.00} account fee but no check had been issued. It has been a month and a half since I started this ordeal and I would like my opneing deposit back since I never received access to this account. They had no right to charge me a fee and they have no right to be holding onto my funds for this long. They advertised the account as online banking and never mentioned you would need to come into a branch until after you fund the account. It is a bait-and-switch operation. I am attaching my correspondence with the bank.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I mailed in disputes weeks ago and the credit bureaus have not responded. The following accounts and inquiries do not come from anything that I have done.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian refuses to remove fraudulent accounts despite fraud affidavit and police report being submitted. The representative blatantly stated that if the creditor verifies that the information should remain that supersedes the fraud documents submitted.

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 2020-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have an account with FedLoans. I went into repayment of my loans in XXXX. I am in the PSLF ( public service loan forgiveness ) program. I need to make 120 payments while working for a non-for profit organization full time. I have worked for a non-for profit continuously since XXXX. 

There was a forbearance placed on my account accidentally roughly around XXXX. For approximately 13 months, I was making payments, under an income based repayment plan, on time, while working full time, that were never counted because of this 'inappropriate ' forbearance. 

I realized there was an issue when my total counted payments were not consistent with how long ive been making payments. An inquiry was opened on my account in XXXX of XXXX per my request. The forebearance was removed from my account but the qualifying payments were never recalculated. This case number has been open for over 17 months. They are also supposedly trying to see if my payments with previous government based loan servicers also count. 

I would like my recalculation to be performed as soon as possible, so my family and I can anticipate when I will have loan forgiveness after entering this program. I have chosen my profession, my place of work, and many other decisions have been made based on an anticipated loan forgiveness date. 

Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.

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 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 I wrote two checks. Check # XXXX was to XXXX XXXX {$460.00} - Check # XXXX was to XXXX XXXX XXXX {$670.00}. Both checks were cashed by the above parties via their telephone banking. No problem. 

On XX/XX/2020 Check # XXXX was presented for payment again with Bank of America and it was cashed in the amount of {$940.00}. The payee was altered as was the date and the amount of the check. My signature was not altered nor was the memo on the original check. 

On XX/XX/2020 Check # XXXX was presented for payment again with Bank of America and it was cashed in the amount of {$940.00}. The payee was altered as was the date and the amount of the check. My signature was not altered nor was the memo on the original check. 

I have tried several times to get this resolved with B of A, multiple calls to the fraud center and visits to the local branch. They asked for documentation and I sent it to them. The communication is one way with B of A. They will not follow up on documents sent and offer no assistance. They refused to contact me and tell me there may have been errors in their company generated form so they took a total of {$1800.00} out of my small business account on XXXX. As of today they said the case was closed. 

I have spent hours talking to the B of A fraud dept about this but they refuse to cooperate and communicate so this can be resolved. I filed a police report within 48 hours of the checks being detected as fraud back in late XX/XX/2020. 

I maintain that I have done nothing wrong. It is a problem with B of A 's software that allows for duplicate check numbers to be cashed. Banks simply are not supposed to cash the same check number twice. Bank of America refuses to take responsibility and wants me to indemnify them for their loss. 

Basically B of A has stolen {$1800.00} from my account. I have attached copies of the checks in question. You can see the check numbers are the same yet B of A cashed them TWICE. This is a case of obvious fraud and I am a victim by both the fraudster and now B of A has decided to victimize 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 monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
Dept popped up and its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC
State: CA

Complaint narrative:
I am constantly being harassed by XXXX XXXX he constantly states that he is a compliance officer for XXXX XXXX XXXX and he is filing a case against me, he reaches out to my family and threatens to call my employer but never tells me any information when I speak to him he constantly tells my family that he is going to come to there house and look for me. He doesnt state who he represents but he leaves a number for me to call with a case number that leads me to a woman stating she is my case worker for my loan with loan me and she is filing against me in XXXX XXXX court 2 allegations. They dont tell me what company they are they just tell me they are representing Loan Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX, I executed a mobile deposit of {$19000.00}. Bank of America accepted the deposit, then put a hold on the account stating the funds would be released by XX/XX/XXXX at XXXX. 

On XXXX, I called Bank of America and asked why the hold was placed because the last deposit I made from the same company, of over {$13000.00} was processed without any hold. The representative stated that there was nothing I could do and could not provide any details of why the hold was placed. 

I learned on XX/XX/XXXX that the check I deposited had been debited from the source account on XXXX. I called Bank of America and demanded that the hold be released. The representative, wanted me to accept a disclosure that stated a lot of requirements that I would be liable for in order to get access to my funds. I declined the disclosure. 

I have had an account with Bank of America for over 30 years and never had problems with a deposit. Further, the prior deposit from the same company did not result in a hold. While I understand that a hold can be placed, but the hold should have been automatically removed on XXXX when the funds were transferred to Bank of America from the source bank.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I mailed in disputes weeks ago and the credit bureaus have not responded. The following accounts and inquiries do not come from anything that I have done.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I mailed in disputes weeks ago and the credit bureaus have not responded. The following accounts and inquiries do not come from anything that I have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filled a complaint about bank of america already complaint id XXXX the company answered you they need more time excuses they sent me to collection company with out researching the transaction they said they told you they need more time, here is the email and letter they sent me this is a clear violation to you and me. 
they are buying time to put on my credit report and to deceive your process this complaint needs to be research by you in detail. 
this is complaint number 2 XXXX XXXX ( XXXX ) Mr. XXXX, Thank you for contacting XXXXegulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2020, to confirm that information. My days and hours of operation are Monday through Friday XXXX XXXX to XXXX XXXX Central. 

Please note that we will be responding to your concerns via a secured email. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or one of my colleagues will return your call within 48 hours.

This communication is for informational purposes only and is not an attempt to collect a debt. However, Bank of America, N.A. is required by law to inform you that this communication is from a debt collector. If you are currently in a bankruptcy proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose personal liability for a discharged debt.

I have proof from merchant they lied XXXX XXXX XXXX XXXX, Resolution Specialist Regulatory Complaints Department Phone : XXXX Extension XXXX C- 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 2020-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My current FHA backed mortgage is being serviced with BSI Financial Services. When Covid hit, our income was significantly impacted. We called BSI Financial asking them about our options. They had us download the Loss Mitigation application, but we never filled it out. We then called and asked again what our options were as we are still currently experiencing a hardship. BSI told us that they do not offer forbearances, and that paying our mortgage was the best  option for us. On XX/XX/, we sent an email asking again what our option are for a forbearance explaining to them the hours and income had been reduced significantly. They never responded to our email request. On XXXX BSI called my work, reaching my manager, and  having him tell me that I need to get in touch with BSI and to call them at XXXX. We were not able to pay the full amount of our payment ( we were {$300.00} short ), and they said that we had 3 months to pay that remaining {$300.00} over 3 months, but if it went over the 3rd month that it would be a bad situation. Our credit has now been impacted significantly, even though the CARES Act allowed forbearances on all federally backed mortgages, and a  freeze on foreclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: CA

Complaint narrative:
I have filed multiple disputes with XXXX  equifax and XXXX about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling g me to contact XXXX a company that is reporting information to them. I called XXXX XXXX in XX/XX/2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from XXXX to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and XXXX refuse to remove this inaccurate information in my file. Also, XXXX, Equifax, XXXX, and XXXX XXXX are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii )  refusing to reasonably investigate and refusing to remove this unverified inaccurate information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have filed multiple disputes with XXXX XXXX and experian about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling g me to contact XXXX a company that is reporting information to them. I called XXXX XXXX in XX/XX/2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from XXXX to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and XXXX refuse to remove this inaccurate information in my file. Also, Experian, XXXX XXXX, and XXXX XXXX are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii )  refusing to reasonably investigate and refusing to remove this unverified inaccurate information from my 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 explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
On XX/XX/2020 someone without my knowledge or permission used my personal info to try and obtain a payday loan. XXXX is no help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Texas Guaranteed
State: NY

Complaint narrative:
A company Called Texas Guaranteed, later renamed Trellis Company sued me in the wrong jurisdiction, the state of Texas, and I have never even been to Texas. I live in New York. They started garnishing my wages while I was working at XXXX XXXX and that was how I learned they were suing me, they didn't even sue me first to obtain a judgment, they just started garnishing my wages. They also added over {$2000.00} onto my loan. I spoke to the federal government in XXXX and was told I had no federal student loans, they were all private. How did these 2 loans suddenly become federal loans? I was forced to pay {$130.00} per month to Texas Guaranteed, now known as Trellis in exchange for them to stop garnishing my wages, which they were taking over {$200.00} a paycheck as a garnishment. I told them several time they were suing me in the wrong jurisdiction and that it was illegal but they did not care and stated they could get away with it. NSLDS states the total borrowed on one of the loans was {$2900.00} & with an outstanding principal as of XX/XX/XXXX of {$2300.00}. The second loan states the total borrowed was {$11000.00} and the outstanding principal as of XX/XX/XXXX was {$9100.00}. The loan was also for some reason put in forbearance without me knowing or being told on XX/XX/XXXX. I will attach documents but Texas Guaranteed now known as Trellis added on fees, sued me in the wrong jurisdiction, started illegally garnishing my wages to force me into a payment plan from the wrong jurisdiction and added on thousands of dollars in fees to my loans. I had to switch the loan to another service provider because they were not providing me tax forms for the IRS so I could do my taxes and I have need them held accountable for their actions. I would like the loans to be wiped out and the fees taken back and to refunded for the payments I was forced to make to this company as a result of my wages being garnished and me being sued in the wrong jurisdiction. I need them to be held criminally accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
This is the 3rd time I have complained about this problem. I want it gone now! I am dealing with so much since covid and not to mention paying my bills that are due then this horrible debt collector sends me a bill for something I already paid over a year ago! My next step is to contact my father who is a consumer attorney. Account XXXX Needs to be removed ASAP

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