vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
I was a victim of ID theft in 2013. Someone opened up a cellular account with my information. I have contacted Diversified Consultants several times and requested they remove this account. I do n't feel comfortable sharing my police report with a third party debt collection agency but will share it with this agency, if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a joint account with my nephew at the Bank of America in CT. My nephew has a joint account with his brother also at the Bank of America at the same  location. 

On or about XXXX XXXX, XXXX, my nephews went to the Bank of America to close their account. Bank of America personnel mistakenly wrote the withdrawal slip using my account number and passed the withdrawal slip to my nephew to sign. He did so without verifying the account number on the slip. As a result, XXXX XXXX XXXX XXXX XXXX DOLLARS AND XXXX CENTS ( {$8900.00} ), was mistakenly taken out of my account. 

I had been on vacation. When I returned and saw the withdrawal on my bank statement, I went to the Bank of America on or about XXXX XXXX, XXXX. They explained that the Bank of America had found their mistake of taking the money out of my account to close the joint account my nephews had together, and added that they had credited the amount taken out. On closer inspection, I noticed that the entire withdrawal had not been credited. The Bank of America had shorted me XXXX DOLLARS AND XXXX CENTS ( {$93.00} ). I asked for the Bank of America to make me whole, including interest. I told them I realized that all human beings make mistakes, but that I felt that the Bank of America should make me whole. The lady I spoke to said that she was going to put in a report for investigation. 

On or about XXXX XXXX, XXXX, a man from the Bank of America called to verity the information I had given the bank. He later called me back and told me that I should contact my nephew to get the {$93.00} from him. I disagreed and voiced my dissatisfaction with the decision made by the Bank of America. 

I understand that my nephew signed the withdrawal slip written out by Bank of America personnel without verifying the account number. However, once the Bank of America realized that the wrong account number had been targeted for closure and accessed withdrawing a substantial amount of money from this account, the Bank of America should not have penalized my account, by keeping {$93.00} and returning the rest. I have no understanding and no knowledge of what the Bank of America did with the {$93.00}. My nephews went to the Bank of America to close their account whose number I am not privy to. And, as far as I know, no one has given the Bank of America permission to withdraw and use money from my account for any purpose connected with my nephews ' account. 

I am asking to be made whole by the Bank of America and that my account be fully restored.

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 2017-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: OH

Complaint narrative:
There is a creditor on my bureau that has refused to remove derogatory information at my written request a whopping " three times ''. I do not have any knowledge of this business XXXX XXXX as it 's described on my bureau nor the third party agency refusing to remove the information from my report noted as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX. 

This company has not produced anything in writing with my signature at my written request and has not responded by mail or otherwise to give proof I owe this debt, what it is for, where it originated from or any other information. I demand this derogatory information be removed from my report as they have not provided any sufficient information to validate this debt belongs to me. its reporting {$240.00} XXXX XXXX, 2015. I do not owe this amount, have no idea what this is for and have never heard of this business. I would like this information removed at once.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
Found this information on my credit report and wrote a letter requesting a copy of the application and information to verify what this debt was for. I have not received a signed application, no ID, no billing and shipping information and anything else to validate this alleged debt belongs to me. I have written this company appearing on my credit report three times requesting information about this debt and only received a bill with a letter stating the bill with the amount on the credit report has been " verified '' and belongs to me. This is without a doubt insufficient. This company on my report Cavalry Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX. XXXX. A billing statement with no explanation of goods, services, dates of goods or services rendered is not sufficient. I have requested this information to prove this belongs to me and have repeatedly not been provided with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX, and Equifax reported I and joint owner XXXX XXXX were 30 days late in XXXX, XXXX on real estate mortgage account XXXX XXXX XXXX XXXX XXXX. 

I disputed this - House was sold XXXX XXXX XXXX Mortgage was paid in full. 

XXXX changed the 30 day late to XXXX XXXX and added OK for XXXX XXXX Equifax left XXXX late in XXXX XXXX and added OK for XXXX XXXX and OK for XXXX XXXX Attached is notarized Bill of Sale and Title company Settlement documents stating Paid in full for mortgage and second mortgage dated XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Found this information on my credit report and wrote a letter requesting a copy of the application and information to verify what this debt was for. I have not received a signed application, no ID, no billing and shipping information and anything else to validate this alleged debt belongs to me. I have written this company appearing on my credit report three times requesting information about this debt and only received a bill with a letter stating the bill with the amount on the credit report has been " verified '' and belongs to me. This is without a doubt insufficient. This company on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX. XXXX. A billing statement with no explanation of goods, services, dates of goods or services rendered is not sufficient. I have requested this information to prove this belongs to me and have repeatedly not been provided with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: AMERICAN ADVISORS GROUP
State: NV

Complaint narrative:
On XXXX XXXX, XXXX, XXXX Montana AAG Vice  President, personally assigned me to his loan officer XXXX XXXX XXXX. In my conversation with XXXX XXXX, specific requirements pertinent to obtaining a reverse mortgage loan were disclosed. They included purchase agreement, counseling, FHA appraisal, and financial disclosure, all of which were provided. Nothing more was requested or deemed required. I explained my current and past residency and lack of credit history. XXXX XXXX clearly indicated this was not a problem since I was " the perfect candidate for a reverse mortgage considering my age, marital status, and substantial net worth ''. 


Since that time, endless amounts of data have been requested and furnished whether the data was relevant or not. In early XXXX the account was reassigned to XXXX XXXX XXXX immediately after XXXX XXXX XXXX had called to advise the loan had been rejected due to a conflict between the XXXX  XXXX XXXX XXXX XXXX, and FHA requirements. XXXX XXXX XXXX 's explanation of the facts along with my email to XXXX XXXX XXXX, AAG CEO resolved the issue overnight. The loan was then reinstated. 


XXXX XXXX has repeatedly lied, misled, misrepresented and failed to disclose requirements initially, and throughout the loan process. XXXX XXXX  's standard answer is " I do n't make the rules '', but he certainly knows how to break them This has placed all parties at financial risk, and in my case, resulted in health issues. 


The UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING File No. XXXX of XXXX XXXX, XXXX levied a {$400000.00} fine against AAG, it 's Officers and Directors for fraudulent actions comparable to that of XXXX XXXX Once again AAG has violated XXXXederal Law, and will be held 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 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Metro Collection Service Inc.
State: FL

Complaint narrative:
I have been disputing with this company for years and they never sent validation of debt until this year.They arent even licensed to even collect in the state of Florida.They also been adding {$10.00} on my credit report just to keep the debt fresh so the statues of limitations wont run out which is unfair.The amount they trying to collect is {$2100.00} but the original amount is {$1500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid my payment for XXXX on XXXX/XXXX/XXXX. Since XXXX was coming I decided to pay my XXXX payment early, which was on XXXX/XXXX/XXXX. I received a email on XXXX/XXXX/XXXX saying I havent made my XXXX payment and had a late payment. I called customer service to find out what was going on and they said I had not paid my XXXX payment. I said yes I did, I paid it early. The gentleman said due to the billing cycle my payment on XXXX/XXXX/XXXX didnt show for XXXX XXXX payment. Therefore, I will have to pay {$300.00} on XXXX XXXX to get everything on track. That includes late fees. I was not late and never have been late. I paid it early and they faulted me for it. They made a complaint, but I was told nothing will change. If I dont pay {$300.00} on XXXX XXXX, I will continue to be behind and accrue late fees. And my credit will show default and that is not right. I pay my bills.

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 2017-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX has garnished my wages for something I never got a summons for. I have no idea what it is.. it is 40 % of my paycheck. I can not pay this. 

help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a check for the value of {$3400.00}. I believe this to have been a fraudulent check, but did not know at the time I deposited the check. I deposited the check into my Chase checking account on XXXX/XXXX/XXXX. I was informed by the scammer on XXXX/XXXX/XXXX that I needed to withdraw {$2500.00} of the money that I deposited, and submit that money into another Chase business account. I can provide the name on the account and the account number, upon request. I believe this account is directly associated with the scam. I submit the {$2500.00} into the account provided on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a notification from Chase stating that my account was overdrawn by {$2500.00}, because the check for {$3400.00} had bounced. I called Chase bank to try to figure out what had happened, and spoke to several different customer service representatives. The last representative I spoke to instructed me to go to the Chase bank branch I made the {$2500.00} deposit, and instruct the bank teller that I worked with to contact a number that they provided me. Upon arriving at the Chase branch that I made the deposit at, they informed me that they would not, under any circumstances, call that number, and that there was nothing that I could do in this situation aside from paying the negative balance on my account. I have submit a police report, # XXXX, and can provide a copy of the report upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: WI

Complaint narrative:
I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.

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 2017-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On theXX/XX/XXXX I transfered XXXX to Coinbase from my bank account ( XXXX XXXX, which should take 2 business days, as it was a XXXX. My bank says that coinbase have the money, but it is not showing on my Coinbase balance.

I have contacted Coinbase, and logged this issue with them ( XXXX ) I did this on theXX/XX/XXXX They sent me an email back which was of no help, saying just to wait and see what happens. 

I am very worried that I have been a victim of fraud. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: CO

Complaint narrative:
XXXX XXXX XXXX have been re-aged repeatedly - see attached XXXX, XXXX, XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix 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 2017-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent this company a letter disputing several incorrectly reported items on my credit report. Correspondence dated XXXX XXXX, 2017, informed them of the accuracies and violations of the FCRA resulting from their negligence and none compliance. There had been inaccurate and incomplete information from the account opened date, closed date, payment history, balance and the highest balance being reported. There are even items that have been removed from the other credit repositories that this company did not. What documents did you use in your investigation? I definitely need a copy of that. The verifying documents that only this company was able to acquire or was only provided to this company. Why and how this company was able to acquire those documents and verify these pieces of information is a mystery since other bureaus are not able to. This obviously looks like a violation of FCRA, Please see attached copies of the letter I am mailing them again.

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 2017-12-22 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: WI

Complaint narrative:
I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: WI

Complaint narrative:
I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.

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 2017-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My partner and I invested into this property. When my partner decided he no longer had interest in the property, the deed was transferred to my wife XXXX XXXX. Following a divorce and bankruptcy, the grant deed was then transferred to myself ( attached are supporting documents from the court ). I was making the payments to XXXX XXXX XXXX, but once the loan was transferred to XXXX my payments started being rejected. When calling in and speaking to a representative, I am told I am not on the loan and can not make the payments. Even after supplying them with the proof from court and grant deed showing me on title, they refused to take my payments. Now I am facing foreclosure due to my documents being mistreated and not review properly. Then after hiring an attorney, I found out that my loan was then transferred from XXXX to Fay Servicing to which I have received absolutely no notices to the property address. Additionally, a Notice of Trustee Sale was posted yesterday XXXX/XXXX/XXXX for a sale of XXXX XXXX, XXXX. That is not even 22 days away required by law that I am to be notified. This whole situation has gone from bad to worse and I need help from whomever I can at this point so I do not lose my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
my identity was stolen i want this to be remove from credit report thank you Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX CHECK DISPUTE STATUS Creditor Information CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: TN

Complaint narrative:
I accepted a 0 % balance transfer offer with discover, what they fail to mention is by accepting a balance transfer you LOSE your grace period on any and all purchases, even if you pay them off before the statement even cuts. There was a month I was charged {$2.00} interest and there were XXXX dollars in charges to the account that month. The months prior there were payments within the statement to cover any purchases

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX have been re-aged repeatedly - see attached XXXX, XXXX, XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix 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