vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 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: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I paid off loan XX/XX/2021. New Rez/ shellpoint is now reporting that the account is paid but that the account is 120 days late. I have never been 120 days late. 

Shellpoint was contacted XXXX and they said it will take up to 90 days to correct. I need this fixed ASAP as Im trying to arrange financing for a property I have in contract now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 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: Nelnet, Inc.
State: IL

Complaint narrative:
I have had a Student Loan for approximately 11 years. From a fraudulent school. They changed their name. I have initially called the Department of Education with my concerns upon the initial time of the incident. Because in regards to that school, I was unable to use, or transfer those credits to any city college, or university. The Department of Education representative at the time stated that it is not the responsibility of the department of education who needs to repay a loan. I said, so then I can open up a bogus school and have a bunch of kids go there. Have you guys finance it, and its illegitimate. That doesnt matter? She said yes as long as you can get kids to go there thats on you. I said, wow, ok. Later on I found out about XXXXXXXX XXXX. Im not sure how long it has been established. As I was looking for that information earlier on in the loan. I was getting the runaround through various departments within the Dept Of Ed. After stumbling across the XXXXXXXX XXXX application. I submitted a claim and was denied. I resubmitted a claim including an email directly from my new schools registrar, well now graduated from. It has been two years and it is still in processing. I spoke with XXXXXXXX XXXX. They said it is still in processing. As far as who is processing it I do not know. There is no expected time of completion. Which is of great inconvenience for me financially. I want to own a house, I want to live my life. Approximately {$21000.00} for something I couldnt use is a hindrance to me and my future. I dont know where to go from here. Which is why Im contacting you. I have asked them to speak to a higher up. They said that the supervisors will tell me the same thing. They said I could hire a private lawyer.. Which, for some thing I was never able to use. That makes no sense why would I pay for something that Im trying not to pay for because I am not responsible for this loan. If it was something I couldve utilized.. Instead of completely going to school over again to attain my degree. Then I could understand being responsible for repayment of the loan. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
I am still making making monthly payments and the payments are not being made to no Medicredi Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: FL

Complaint narrative:
I recently challenged the validity of Collection Bureau accounts... XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, thats being reported on my most recent credit report. Upon challenging these, XXXX and XXXX already deleted these time-barred accounts based on the lack of ability to properly verify all reported information being accurate ; they did not provide a signed contract nor a signed HIPPA release giving them permission to discuss my medical with them or anyone and did not provide court documents that allows Collection Bureau to continue to pursue these debts past the statute of limitations in Florida. I noticed as a result of challenging this account with Equifax they have verified these same accounts. It is my understanding that the original creditor reports the same information to all credit bureaus as expected under FCRA. Equifax was not able to provide...

1.Please provide the method of verification who Equifax contacted to verify these accounts, and what the payments are for, 2.Provide a 1099c for each account since this account was originally charged off, 3.Provide the ofiginal signed contract with Collection Bureau for each account, 4.Provide HIPPA documents with my original signature for each account, 5.Provide collections license number, 6.Provide court documents that allows Collection Bureau to continue to pursue these debts past the statute of limitationsin Florida for each account, 7.Provide information referencing this account was either purchased or collecting on the original account holders behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America kept the loan payoff I did for someone. Bank of America has had the loan holders written permission since XXXX to look into this matter. 

Instead of looking into the matter, the bank hired lawyers to lie to judges faces to cover this up. 

When I payoff someone's bills or loans I have local police keep a copy. I have the copies the XXXX Police department had on file. 

CFPB Bank of America keeping the loan payoff has nothing to do with the loan holder. 

The loan holder couldn't make Bank of America do anything with the payoff I sent. 

Not once has Bank of America said why it didn't send the payoff back to me. 

Not once has Bank of America said why it didn't apply the payoff I sent to loan.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  XXXX Account # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
Berlin-Wheeler Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX : Phone : ( XXXX ) XXXX I called to speak to this company regarding a debt notice for XXXX XXXX XXXX When I reached out to them I asked for an itemized statement of facts to make sure the charges were correct as I felt they were not. They advised they would contact XXXX XXXX  and get back to me within ( 7 ) business days. At that time I asked for a itemized statement from XXXX which they said they would provide. On day 15 I contacted them because they hit my credit report when I was disputing the amount owed until I received an itemized statement from XXXX XXXX which I paid the balance because I'm in the process of buying a house. I finally received the itemized statement a week after I paid the balance. 

I believe this should be removed from my credit completely due to them not communicating correctly when I was in communication with them to make sure the charges were correct to pay.

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 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
There was no debt in the first place since I paid the repairman on site and received a paid receipt via email, which I have retained in XX/XX/2022. The requested amount is $ XXXX.Now I am receiving constant mail from a collection company that I owe them the money. I talked with a person from the collection company on XX/XX/2022 and sent him a copy via email of the receipt, however they keep sending collection notices.

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 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This debt collection account that was brought from XXXX  XXXX illegal because PORTFOLIO RECOVERY ASSOCIATES LLC is an unauthorized third party for the consumer credit transaction. They at the moment have my personal information which I didnt give them authorization to have. And I requested a debt validation but they didnt provide it and they were supposed to cease collection of this alleged debt. Im here now to involk my rights as a consumer pursuant to 15 usc 1692c. I refuse to pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
A student loan is holding for 11yrs and 3 months XX/XX/2011 Dept of ed/AIDVANTAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GLA Collection Company, Inc.
State: MI

Complaint narrative:
I am XXXX XXXX, the original creditor, consumer and natural person. We entered into a consumer credit transaction therefore the finance charge was taken when i signed the application. After the finance charge there usually a security interest thats left behind. Instead of giving me my money. Because all the money originally came from my social security number. Since i didnt accept the money they took the contract over for value. Which was misleading because they are suppose to tell you whats happening but they never did. This led to them infringing upon my privacy and sending my information over to consumer reporting agencies. Which i never gave them consent to do. That is fraud. Then the consumer reporting agencies are now committing fraud because they are reporting my information without my written consent which is illegal for them to do as well. Everything starts and ends with the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Nearly three weeks ago, I deposited a XXXX check into my PNC account. The account was then immediately restricted. Initially, I was told it was until the check cleared. A week later, after it cleared, the restriction was still in place. They then told me theyre reviewing the account history and the only access I would have to the funds would be to go into a branch, have a banker call them to lift the restriction temporarily, withdraw some funds, then theyd put the restriction back on pending their review. 

On Monday, XX/XX/XXXX, I went into the branch to withdraw the funds I would need for the week. I was told the account was closed XXXX minutes prior and that I was mailed out a check. I asked PNC bank to stop payment on the supposed check they mailed to me ( when the account was closed less than an hour before ), allow me to withdraw the funds or at least what I need for the week, and they refused. 

This has caused a nightmare for me, both professionally and personally. First, all of my credit card and loan payments were returned causing me to incur returned payment fees and late fees with creditors while also putting those accounts in restricted status. Second, because I work in sales and Im required to buy lunches or dinners for potential clients, having no access to my funds, and being unable to use my other credit cards, I am unable to perform my job, which is now in jeopardy. So I am looking to go after them as this has been ongoing for XXXX weeks and is now jeopardizing my career. They also did not warn me that the account would be closed and allow me an opportunity to withdraw some, if not all, funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: TN

Complaint narrative:
To Who

m It May Concern, I recently checked my credit reports and noticed a collection with a high balance reporting. This collection should NOT be on my reports and is NOT owed by me for multiple reasons. My recollection is that the cable company I had MANY years ago transferred my service to another company. This was done without my knowledge or authorization. When I found out what had happened, I immediately cancelled and RETURNED their equipment to the original company. In addition, I have never received any kind of invoice, letter, bill, email, or telephone call advising that this was an issue years ago. Again, I had no idea it existed until I recently checked my credit reports.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint narrative:
I called to try and settle the debt today XXXX and talked to a rep. She did a hardship application and offered me to settle for {$1500.00}. I asked her to settle and delete off credit report for {$1200.00}. She said she would transfer me to someone who was " more lenient ''. That person said no they would not offer me anything different and started telling me I dont pay my bills raising their voice. I asked to talk to a supervisor. She put me on hold for 10 minutes and transferred me to a voicemail that didnt work. I called back and was hungup on. I called back and was transferred to XXXX. He said he is the end all be all of that office and there was no supervisor above him. I asked him about settling and he said he actually deleted the offer and was going to give the offer any more and would not be deleting on the credit either because he didnt have to and they didnt have to offer anything. He refused to let me talk to someone else and just sat there on the phone. I asked how it was legal for them to offer me a offer and just because I asked to talk to a supervisor after being yelled at now they will not offer me a settlement and refuse to ever delete on my credit too. XXXX also refused to tell me statute of limitations and the exact date it went into the office and refused to work with me without any reason at all. They are being very vindictive and retaliatory when I am just trying to settle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, the following companies have violated my rights. 

1 ) XXXX XXXX XXXX Account # XXXX. 
2 ) XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX ) Account # XXXX. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On the day from XX/XX/XXXX chase bank banned for life and closed my checking account with them, after I transfer XXXX dollars from the its to my joint account in XXXX XXXX, that I have with my husband, I tried to present the documents and tell them where the money came from because I got married last year and I haven't been working because my husband takes care of my so my XXXX  was having an amount of XXXX each month of expenses they tread me poorly and I think they even made this desicion because I'm a foreign person but I have the right to have and account because I came to the United States as XXXX and not ilegal or anything I can proof my identity I can proof where they money come from but they just banned for life over a transfer that was the money for the its, they didn't even let me explain and ended their relationship with me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX / {$460.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was a Citi customer up until XX/XX/XXXX when my account was closed suddenly for reasons unknown to me. I also have not received my funds and was given no other information than it will be available in XXXX days. I will become homeless if I do not get this money. 

Mind you, ALL of my money to my name was in Citi. This is money I have saved from the age of XXXX XXXX XXXX. I have worked to put myself through school and worker multiple jobs while attending school all for this money that has been taken from me by Citi. Meanwhile, I have bills and payments due including RENT and have no access to any money. I have no funds for food and will be evicted in one weeks time if I do not get my money. I have been in contact with customer services 15+ times in the last 2 weeks and have gotten no resolution. 

I have filed a complaint with the OCC and XXXX XXXX XXXX  and have gotten a response from the Citi Executive Response Team and they told me the same thing I have heard over and over, I can't get my money for 60 days. 

I am requesting kindly that you can have somebody release my funds either by expediting my mailed check OR temporarily unlocking my account to allow me to move them to my new account with another bank myself. I hope you can understand that many people can not survive without access to funds. I have already had a late credit card payment thanks to all of this not to mention the mental distress and fear of homelessness. I kindly hope you can assist me in some way.

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