vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America on XXXX XXXX XXXX XXXX XXXX XXXX XXXX close my account for no real reason no bounce checks nothing. ( XXXX ) the branch manager seems to have issues to how I take money out as well as an issue after I use my card at the window to how I take money out. My next issue I get Cashier checks and she wants ID in which I have and ask for more ID than is required. I been doing this since I open the account. I found this to be bias ( XXXX ) the branch manager.  There was no need to be so nasty as if I cant say anything and she took it personal on me. I have also contacted an attorney to the situation of how she just for no reason closed the account. Bank of America has not or created so bogus reason for the closing of the account. I find ( Jessica ) the branch manager very bias towards her actions and have spoke to several other legal people to my rights and filing a law suit on Bank of America and there employee being the Branch manager ( XXXX ) she has an attitude towards me since the day I get cashier checks. As if I want to withdraw money is my business as well into question her on her Bias actions. I'm also filing a complaint with the US Attorney office as well as the Bank Comptroller on her actions. No notice or phone call to her actions at hand. And Bank of America on the phone tells me they have a right base on her actions. It seems very bias and XXXX motivated on her part.

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 2019-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX, XXXX, and Transunion have information that is incorrect and fraudulent accounts on my credit report. I am confused on why I am being accountable for false information. It is affecting me and damaging my character. Inquiries are on my report that is not allowed to be and wasn't approved by me. I have reached out to them, they haven't provided me with documents in regards to the accounts and their reporting different information, all three bureaus, I don't understand that if they all receive the same information from different creditor 's. I don't want to br held responsible for false information nor identity theft.

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 2019-05-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian, XXXX, and XXXX have information that is incorrect and fraudulent accounts on my credit report. I am confused on why I am being accountable for false information. It is affecting me and damaging my character. Inquiries are on my report that is not allowed to be and wasn't approved by me. I have reached out to them, they haven't provided me with documents in regards to the accounts and their reporting different information, all three bureaus, I don't understand that if they all receive the same information from different creditor 's. I don't want to br held responsible for false information nor identity theft.

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 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have submitted multiple written communication with the debt collection agencies LVNV Funding LLC, XXXX XXXX & Resurgent whom all are attempting to collect on the same debts. In addition I have requested a debt validation of the debt and neither of the above identified companies has provided me with the requested information. 

Several request to have this information deleted from my personal credit file was also request and the above mentioned named companies has failed to remove this information from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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:
I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, Equifax ; XXXX and XXXX are not removing this negative item and it is harming my credit score. ( Please see pages 17 and 18 of the attached credit report. ) Therefore, I am filing a new complaint against Equifax ; XXXX and XXXX because I have tried to fix this issue with them, but they are still reporting the late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
collections calls on an automatic dialer, which was recorded. The call came from Mr. Cooper at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Items ordered at XXXX 's online on XX/XX/19 totaling {$710.00} were returned to XXXX XXXX XXXX XXXX, FL store on XX/XX/19, 2 weeks before my payment due date of XX/XX/19, resulting in a credit balance as of XX/XX/19. Despite the fact that a credit balance existed on the payment due date of XX/XX/19, Macy 's began harassing me by calling and leaving messages for me on a daily basis. When I spoke with 2 Macy 's representatives on XX/XX/XXXX, I was told that I would incur a late fee because I had not paid my minimum payment of {$27.00} on the payment due date of XX/XX/19. I advised the representative that on XX/XX/19, based on my merchandise return, I had a credit balance and no payment was due XXXX   's. XXXX seems to believe that they can require credit card customers to make a minimum payment even when the customer has a credit balance. In fact, the first representative insisted that my return, although it was made 2 weeks in advance of the payment due date, would not actually be credited until my next month 's statement! Apparently, XXXX  's has found a way to require customers to make so called minimum payments for merchandise that the merchant has already received back in its stock!!! This smells like fraud to me! After having my attorney speak with the 2nd representative, supposedly no late fee will be assessed. I have no idea whether or not XXXX 's will continue to harass me or whether they will waive their late fee! CFPB needs to investigate this practice!!!!!!

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 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Although we were victims of hurricane Harvey, that has forced us to apply and received a modification, afterwards the government shutdown severely affected homeowners income. After the government shutdown ended we started attempting to make up for payments and now we are being told our payment has increase to an amount we can not afford. We were told this was due to a payment that was stopped. The payment actually was returned, in error I made a payment for the entire amount, an NSF was received and Mr Cooper tried  to run it again, my bank inform me of this and recommended I place a stop payment on this amount because it was not enough funds in the account.We wish to continue to make our payment of {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: CA

Complaint narrative:
one XXXX BANK ACCOUNT NUMBER XXXX date opened XX/XX/2017, this account is not mine, and is reporting under my equifax credit report. i have disputed many times and they have been playing me around, they keep saying it has been verified, the creditor itself does not have this information i don't even know where they have verified with, please i will be attaching my police report, i have provided this to equifax as well, i need your help to removed this from equifax credit reports thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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:
I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, XXXX  ; Experian and XXXX are not removing this negative item and it is harming my credit score. ( Please see pages 17 and 18 of the attached credit report. ) Therefore, I am filing a new complaint against XXXX ; Experian and XXXX because I have tried to fix this issue with them, but they are still reporting the late payments.

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 2019-05-03 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:
I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, XXXX ; XXXX  and Transunion are not removing this negative item and it is harming my credit score. ( Please see pages 17 and 18 of the attached credit report. ) Therefore, I am filing a new complaint against XXXX  ; XXXX and Transunion because I have tried to fix this issue with them, but they are still reporting the late payments.

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 2019-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Action Financial Services, LLC
State: NE

Complaint narrative:
I keep getting phone calls from Action Financial Services. They never leave messages so I have no idea who they are. Now they are calling me at work and demanding my personal information even though they have not told me what it is about. Threating they will take my wages. I asked them to send me something in writing about what I owe because I have not had anything from them and the lady said, '' Well that is why you are talking to someone they will tell you what you owe. '' I said that doesn't seem right as anyone can call and say you owe money and that I want actual documentation because I thought my loans were all through XXXX so I have no idea who they people even are. She said, '' Well I'm not here to argue with you, so when can you be called and speak to someone about the debt. '' I again asked for actual documentation but finally hung-up when she would not help me and would not get off the phone even though I indicated I was at work. This was today XX/XX/19 and I am being told they will take % 15 of my wages but I am not getting any actual documentation or proof.

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 2019-05-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Accurately I am ask the credit bureaus to report and correct the problem however they have not been able to number one send me a fresh reported the method of verification on how they investigated the accounts these accounts are reporting accuratelyBasicallyThe date of last activity in the amounts don't match my records need these accounts investigated or deleted from my credit report I am asking that you XXXXAs proof that these accounts were not investigated properly thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: NE

Complaint narrative:
My foster son moved out and back with his biological mom. while he lived with us he had a debit card which I would put allowance on bi weekly I guess he took his debit card with him when he moved out. His bank account had no money in it which he knew. He made a purchase on his phone his mom got him, through XXXX apps and it was a XXXX purchase for 1 year subscription for XXXX XXXX XXXX to win real money. This purchase was done XX/XX/XXXX he left my house XX/XX/XXXX. I contacted XXXX and spoke with a very nice representative that opened an investigation ticket I told him I already spoke with my bank and over draft charges will accrue XX/XX/XXXX. he said he would rush it and XXXX investigation team would email me and let me know what will be done. I received no correspondence at all. I decided to check my bank account at about XXXX XXXX XX/XX/XXXX where now there is overdraft charges. I contacted XXXX and the lady was extremely rude and said they are not refunding my XXXX or any overdraft investigation is over and she would not tell me what the outcome was. I requested for her to submit complaint on my behalf which she kept refusing to do. I was told my account would be refunded, and he XXXX account would be shut down. I am not understand why this is not being refunded he is XXXX years old, and it is my bank account.

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 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I was first contacted by this Company Aldous & Associates about a debt to XXXX XXXX XXXX which has already been disputed and found fraudulent by my bank as the membership had been cancelled, they confirmed, and they had continued to withdraw fund from my bank, XXXX XXXX XXXX XXXX. The collection agency contacted me repeatedly, I told them to only contact me via writing, and not to phone again. I sent them all the back up documentation and disputed the debt on XX/XX/XXXXby Certified Mail. Today, XX/XX/XXXX, they contacted me repeatedly calling over and over again, six times in less than XXXX XXXX. They sent me a letter with the contract ( which was never disputed ), and I had provided evidence of cancellation and communication with XXXX, showing i did not owe the debt. I also sent them a 2nd dispute letter, and again attached all backup documentation. They continue to call, and repeatedly each time. I have informed them that they can not call over and over and that they are harassing me, and they couldn't care less.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: TX

Complaint narrative:
Equifax is reporting a charged off account where I am shown as an Authorized User on XXXX XXXX  partial account number XXXX. ( Please see page XXXX and XXXX of the attached credit report. ) I have already called XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted an online payment to Navient to pay off in full the remainder of my student loans. The same day, I also cancelled auto-pay because I was afraid that Navient would continue to process the auto-pay, even though the loan was paid off. 

On XX/XX/XXXX, the payment in full was removed from my bank account AND the auto-pay was also removed. The in-full payment was on the Navient site listed as " processing '' but the auto-pay was not listed at all. I called and spoke with Navient and they told me that the auto-pay would *probably* post in a couple of days, but that a refund would be 3-4 weeks. They further said that auto-pay often takes 5 days to cancel, but no where on the website did it give me any such warning at all. 

I paid it off in full, INTENTIONALLY cancelled auto-pay, and they STILL charged me and won't return my money for 3-4 weeks. Money that they STOLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
Recently my mortgage was transferred from XXXX to Carrington Mortgage Services. Carrington did a escrow analysis dated XX/XX/19 which showed a shortage of {$710.00}. My property taxed and homeowners insurance did not change. My property taxed are paid in XXXX and XXXX. Before the loan was transferred XXXX paid the XXXX property taxes. The escrow analysis by Carrington shows them paying the taxes in XXXX and XXXX. I do not understand how they can pay the taxes in XXXX when the tax bill does not come out until XXXX. I believe that by showing an additional tax payment being made in XXXX that is causing my shortage. My monthly payment is going up $ {$59.00}. I do not understand why it is going up so much if nothing changed. After spending hours on the phone with Carrington they did agree to redo my analysis. I have little faith in them. I confirmed with the county treasurer when the tax bills are due. Carrington told me they send the payment in XXXX so it gets there on time. I find it hard to believe that in this electronic age it takes 2 months to get the payment sent. They do not seem very competent. They also told me that the county would refund me if there was an overpayment, which the treasurer said is not standard procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accurately I am ask the credit bureaus to report and correct the problem however they have not been able to number one send me a fresh reported the method of verification on how they investigated the accounts these accounts are reporting accuratelyBasicallyThe date of last activity in the amounts don't match my records need these accounts investigated or deleted from my credit report I am asking that you XXXX proof that these accounts were not investigated properly thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have filed home scam case against Third Federal Savings and loan with CFPB, and others. I did not get home scam determination report from the government yet. HUD is saying something bad happened to my home and I should see a lawyer. Please investigate and provide me the actual report so I can refinance my home through HUD. Powerful and influential people are behind this home scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Hollis Cobb Associates
State: NV

Complaint narrative:
I received a phone call XX/XX/2019 about an old dept that has been paid or is not real. The company refused to give me an address or any details other than the company name XXXX and my caller id got the phone number XXXX.

Company response to consumer: Closed with explanation