vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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:
I deposited a bank note check from XXXX ( I sold them my vehicle ) into my account on XXXX-19 for {$3000.00}. According to the CFPB checks over {$200.00} but less than {$5000.00} should clear in 2 business days. I was advised by Bank of America that the funds would not be released until XXXX-19, which is 8 business days. I believe that they are holding my funds and gaining interest on my money for extra days rather than releasing the money into my account. Can you please investigate and advise if this is an illegal 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 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or about Tuesday, XX/XX/XXXX when accessing my Chase Mobile App, Check No. XXXX " written '' in the amount of {$25.00} was pending for {$250.00}. This amount was eventually cleared and the amount {$250.00} was paid for check that clearly was written for {$25.00}. 

Chase was immediately contacted regarding this error. Chase Claims Department subsequently advised that since this was not a Fraudulent charge, a temporary credit could not be provided to the account, but rather this is an issue for the Research Department. I was then transferred to Customer Service who spoke with the Research Department where i was advised that the issue with the draft was in how the check was presented. This is inaccurate as clearly the back of the check demonstrates the check was deposited and not cashed " in person ''. 

I again contacted Chase Customer Service on bXX/XX/XXXX to again resolve this issue, still to no avail, however, i was advised that i would be assigned an individual who would assist in bringing this matter to a conclusion and my funds ultimately returned to my account. 

I again contacted Chase Customer Service on XX/XX/XXXX & XXXX, where i asked to be transferred to its executive team as i continue to not have access to the funds that were taken in error. I subsequently was advised that the matter would be assigned to an executive team member who would call me later in the afternoon. I never received that telephone call after now being on the second day of trying to resolve this matter. 

On XX/XX/XXXX, i was transferred to the executive team office where i was advised that this matter had been assigned to XXXX. In speaking with XXXX, it became evidence that she is in need of additional customer service service as her attitude was less than that of someone purporting to be part of an executive team. Not to mention she was unfamiliar and/or unwilling to advised me the policy and procedures of Chase when a customer experiences these types of issues, nor could she advise me of an actual date for which this matter would be resolve and i could reasonably expect access to my funds. 

At this point, i would like the funds erroneously taken from my funds to be replaced and/or someone provide a time certain as to when this matter will be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of the errors was this debt for {$3300.00}. I would like this collection to be removed. I called and wrote to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MI

Complaint narrative:
Enhanced Recovery Company has previously tried to reach out to me with threatening tactics multiple times during the period of XX/XX/XXXX - XX/XX/XXXX regarding this so called debt that is not mind. I have also told the creditor, XXXX, that I was a victim of fraud and identity theft. I do not owe, nor do I know anything about this particular charge, and I've made this clear to this company, who has now tried to call me again earlier today, XX/XX/2019. I do not owe this bill, and I am being negatively affected by this companies repeated threats and contact for a bill that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GREAT LAKES
State: IN

Complaint narrative:
I reported the problem on my credit reports and at first they did send my credit report from XXXX but unfortunately now I found someone froze my credit reports after getting it not too long ago and the local authorities stated they do not handle identity theft that is a federal crime great lakes still refuses to comply but the federal trade commission sent me a letter stating yes I can collect damages from any creditor denying credit especially for using my credit report against me!! my complaint is about my report being frozen again and the vicious cycle they send me in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
I used the online system to make a deposit on XX/XX/XXXX. I noticed the funds were getting low, I have money with another financial institution because I've had issues with this bank before. When the deposit was made my account was NOT in the negative. The bank decided to hold the check, they advised it was because of my history with the bank. ( I have had this bank account since I was XXXX, 31 years of being a customer ) On the 7th I called the 800 # as soon as I saw they had not deposited the funds. They advised nothing they could do. I spoke to a branch manager and was advised she would look into it. This took the intire day, she verified funds on the XXXX, 2 days after the deposit, then released the funds. Once released the bank then charged 3 {$36.00} overdraft fees. I asked them to remove as they should not have been charged and they refused saying it wasn't a bank error. I advised that the account wouldn't have been negative if they would not have wrongfully held the check. Still would not waive them. This bank has charged me hundreds of dollars in fees over this past year all while trying to get me to sign up for overdraft protection. I am tired of being taken advantage of because I live paycheck to paycheck. This bank should not be allowed to withhold funds. I would understand if it was a large check, it was not it was {$500.00}. Please stop this bank from ripping people off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NC

Complaint narrative:
I have an account with Conn 's Home appliances. I am exactly 7 days late on my payment due to my mother being XXXX XXXX  and in the hospital. My husband has also had health problems in the last week and has not been able to work. I get a XXXX check but it hasn't gotten here yet. These people called me 32 times on XX/XX/2019 and so far, 10 times this morning on XX/XX/2019. I spoke with someone on XX/XX/2019 who supposedly noted in the computer that I would be making my payment on XX/XX/2019. When they call it comes from a private number, XXXX NC or from some man who lives in XXXX NC. It never shows up Conn 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
There was a Derogatory mark added to my credit with no warning or no payment plan sent to me to take care of my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX Navient enrolled me into a repayment program and i was making my scheduled payment however, nothing was credited to my account. Then they took my XXXX and XXXX tax refund for a total of what they stated I owed which was {$13000.00}. Now I'm having my wages garnished because they are saying i still owe {$12000.00}. I have spoken to the collection agency and sent them all my paperwork showing that i have paid. In order to stop the wage garnishment I have to pay 5 payments of {$87.00} on top of the 12 % they are taking out of my check which is over {$600.00} a month. Navient isn't helping me nor is Pioneer credit recovery. Neither company is showing any of the payments from the IRS, past payments or my wage garnishment payments. This isn't right, I can't support my family and I'm on the verge of loosing my apartment and car.

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 2019-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2019, Best Buy informed me that the credit limit on the account was decreased from {$2500.00} to {$350.00} due to my inability to make payments on the account due to becoming unemployed which the company was informed of. A written letter claims it was due to my credit score dropping. Currently, if I do not make a payment the account will be charged late fees as well as potential over the limit fees. Until recently, within the last three months, the account was always current and payment was made on time for numerous months in a row never going over the limit. None of that effort was taken into consideration. I'm reasonable and understand that payments have to be made and that there are consequences but lowing a credit limit to the point of potential double fees in not reasonable.

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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm able to view my credit score for months with TXXXX   and XXXX, but my FICO score for Experian has remained unavailable. I've reached out to the company via phone and email but have gotten no response.

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 2019-08-08 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: PA

Complaint narrative:
the company is Experian and im being disputing some information and they are just ignoring me, no respond, not result, i try with the collectors and others companies and nobody give me any proof o validation.

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 2019-08-08 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:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Last year I applied for to XXXX XXXX XXXX cards one  XXXX master card and the other XXXX rewards  Visa. In a matter of months XXXX XXXX close the accounts with you no reason when I called to request to have the bank account open and they stated no because it was past the 30 day tender I would like to see legislation passes law or banks can not close accounts within a year of the client having the account or if the account is in default my credit has been excellent and so has my relationship with them whats going on at XXXX Or that legislation is not taking action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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  and Transunion are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-08 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 ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-08 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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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 and Transunion are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX XXXX XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-08 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 ; Experian and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of the errors was this debt for {$490.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of  the errors was this debt for {$75.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of  the errors was this debt for {$75.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and seems to be a duplicate of Account # XXXX and the collection agency was not able to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of the errors was this debt for {$110.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
My husband received a phone call on his work phone multiple times and all tough he repeatedly asked to not call his employee paid for work phone the calls continue. The agent XXXX also threatened him with legal actions if the bill wasnt paid today. 

I called the number back on my personal phone and my call was met with an abusive collection agent. Saying that they had a bill form XX/XX/XXXXand that the last time I spoke with them was in XX/XX/XXXX An didnt that I lied to them about paying the bill. Again threatened with legal action. 

When asked what the bill was for at first they were not sure and then said that it was for a XXXX I had in XX/XX/XXXXbilled by the assistant in the XXXX room and denied by my insurance.

Company response to consumer: Closed with explanation