vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX XXXX XXXX. XXXX GA, XXXX. XXXX XXXX and XXXX XXXX XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.

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 2016-08-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: P&L Acquisitions LLC
State: GA

Complaint narrative:
I received a letter dated XXXX/XXXX/XXXX titled " Litigation Notice '' stating I owe XXXX for a debt and if I do n't pay I would have a judgement filed against me with additional fees and 10 % interest. I called today XXXX/XXXX/XXXX and was informed that the paperwork was already turned into the court and they were filing aggressively since I owned property. I asked if I could have a detail of the charges sent to me and was told NO I would receive a copy when I appeared in court. I informed him it was my legal right to know the charges and he informed me that I was wrong and I would receive them in court. The only information he provided was it was for an old XXXX XXXX XXXX XXXX Credit card that was written off XXXX XXXX in the amount of XXXX. I stated the legal state of limitations in XXXX is 4 years, and he told me that did n't matter. I asked how long do I have to research this and get back with you and was told I have until this Friday! I stated I have never received anything by mail from your company, do you have records showing where I ignored previous attempts to resolve the matter as the letter stated, and he could not provide any dates correspondence was sent. This letter is threatening to garnish my wages, levy my Bank Account, place a lien on my property and suspend my driver 's license. It does not reference any breakdown of the charges or company that I originally owe the debt to. In doing research, I can not find the company the letter was sent under " XXXX '' XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX when I google the address it shows a grocery store. It also states that I will have to pay P & L Acquisitions a 10 % interest as well, and when I google them I found all the false claims other consumers have made against this alleged company and I do not feel safe providing my personal information to a company that can not provide me any documentation showing they own this debt and the breakdown of the charges I owe. Also the person that signed the letter was XXXX XXXX and he states he is a legal Administrator but I can not find any credentials on him as well. Please advise me on how to proceed.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
A XXXX account was open in my name in XX/XX/2012 I disputed this claim with XXXX ( Identity theft ) they in turn sold my account to portfolio recovery which I also filed out paper work with. They are still trying to collect this debt 5 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
HSBC had a deal wherein you could open a new checking account and either pay 2x bills a month with the account and/or make direct deposits. I completed the bill pay portion but now they are saying I had to use their special portal. Nowhere is that specified, more than 2x bills were paid and they are using it as an excuse to not pay out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Synovus Bank
State: WA

Complaint narrative:
I recently took advantage of a suggestion off of XXXX to rebuild my credit. I made application with First Progress for a secured credit card. 
They took {$300.00} out of my business checking account in XXXX. I have called and asked for the funds to be returned as I never received the credit card. They said they would refund but they never have. They also took {$200.00} out of my daughters bank account and she never received the card. ( SEE COMPLAINT # XXXX with your office ) There appears to be a pattern of fraud, deception and embezzlement. 
XXXX should also have some liability in this as they are featuring this entity as a go to bank to rebuild credit or get first credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALCHRO INC.
State: FL

Complaint narrative:
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This is a complaint against PNC Bank, with my checking business account. There was a lot of transactions with my debit card that were n't authorized with me and also with the establishments of stores and also a lot of atm retirements. I have contacted the bank because I received an email of alert and I immediately called to make the claim that those purchases were n't authorized by me but went through without my permission. I asked to have another express debit card because they have left me without money in the bank. After, they switched me to the atm services of the bank, I had to push through to have my claim go through. There was a lot of retirements of atm that were n't made by me for months now. They did n't want to give me a claim number, and that the money would probably not return into my account. By the rules, I should have protection against these types of situations. The thing that upset me the most was that for the first time, I have to go to the physical bank to ask for claim but they ask me to call them through an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2017 I responded to an internet advertisement from Chase Credit Card company for a credit card ( Mileage Plus Explorer ) that would award XXXX miles to my XXXX Miles program if I would spent {$1000.00} in three months since account opening. I applied for the card electronically and I was qualified immediately ( I have other credit card accounts with Chase with excellent credit ratings ). Next day I saw a similar ad for the same card that offered a XXXX mile award to my XXXX account if I were to spend {$3000.00} in three months. I called Chase and talked to a customer service representative by the name XXXX and requested whether I could qualify for the higher award. XXXX indicated to me that if I were to spend the {$3000.00} in three months following account opening I would be awarded the XXXX miles. I went ahead and met the requirement by spending {$3000.00} in the indicated three month period, but when I checked my account I was awarded only XXXX miles. I called Chase again and talked to another customer representative by the name XXXX, and explained to her the promise made by the previous agent, XXXX, regarding the XXXX mile award. XXXX said that XXXX was wrong and she should not have promised me the higher award. However, XXXX indicated that there were some other programs that she would try and see whether she could satisfy my request for the higher award. After about two weeks I received a letter from Chase requesting that I forward to them an offer code that presumably Chase had sent to me through my account website. I had never received such a code. So, I called Chase again and talked to another customer representative, XXXX, who explained to me that such a code was not sent to me and that the only way to get the higher award is through a specific invitation sent to me from their marketing department. However, he did not indicate whether Chase was willing to do this in my case. Thus first, Chase through their customer service representative misrepresented their credit card program second, they have admitted such misrepresentation as an error and third, they do not seem to be willing to offer any rectification in an effort to mitigate their agent 's error. If such misrepresentation was not made, I could have spend the {$3000.00} on another credit card and received cash rewards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Chaplain Financial Services LLC
State: WI

Complaint narrative:
I continue to receive calls from Chaplain Financial stateing I owe payday loans from several years ago from XXXX different payday loan operations. I told them I have never taken a payday loan out. They gave me information that was mine but was not consistent. Ex, old addresses, old employers etc. At one point they told me they were going to take me to court- I said I have n't received any judgments in the mail. They stated that they came to my home and took pictures. They have also called my sister and brother asking about my where about. I called them and asked for a verification letter showing the debt I owed and the Virginia creditor- they sent me an email but it did not have much information on it but the name of the creditor- which I looked up and could n't find a working numbers for any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
My son received a private loan from XXXX to go to college. My sister Co signed after I told her as long as she was responsible as a Co signer I would make sure payments were paid should my son default on payments. He never finished college and does n't bother paying his loan. I have been paying his loan for 7 years not to affect my sister 's credit. I asked them if I can take my sister off as a Co signer and they said no. For 7 years I have been paying a total amt of {$160.00} a month on the balance of XXXX combined loans equalling approximately {$14000.00} just for the balance to be approximately {$12000.00}. I paid almost {$8000.00}. This year I pay {$50.00} a month for 2 years. My son worked that out somehow. I make {$XXXX} a year. I CA N'T AFFORD THIS. If they would release my sister, my son would have no choice to pay. If not ... No income tax. Oh well. Should n't have shrugged his responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I initiated a dispute of ( according to my attorney ) blatantly unlawful credit reporting to Equifax by XXXX on XX/XX/2017. Equifax assigned this dispute the number XXXX. 

As of today, XX/XX/2017, or over two months later, this dispute is still marked " pending '' in the online system Equifax uses to provide dispute results to consumers. I called about this dispute several times and was told variously that " it 's a website issue '', " be patient, this dispute is taking extra time '', " this dispute was resolved and you did receive the results '', etc. 

I have never received the results of this dispute. I have asked the customer service representatives to mail a copy of the dispute results but that has never arrived either. 

Equifax 's failures, to 1 ) delete the erroneous information in a timely fashion and 2 ) to provide notice of dispute results within the proper time frame, constitute violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: POPULAR BANK
State: IL

Complaint narrative:
I have already issued a complaint # XXXX against Banco Popular but apparently I did n't make my complain clear. You will note on the highlighted sentences from Banco Popular 's response that they said my interest is compounded daily. But they pay the SAME interest of {$120.00} plus some cents monthly. Is that COMPOUNDED INTEREST? I have called numerous times to no avail. People say they 'll check into the issue and call me back, but I do n't hear from them. When I suggested they then return my money I was told the charge to do so would be {$1000.00}. Although a return of my money would be my first preference I suggested since they are paying no compounded interest they could send me what interest already has accrued and then monthly ach the interest since they are not compounding it.

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 2016-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Brown Olcott, PLLC
State: AZ

Complaint narrative:
I recognized that I have become delinquent in my HOA for {$420.00}. I called my HOA to pay in full and they instructed me to call XXXX as it was referred to legal. My HOA graciously provided a phone number to dial in which i have called multiple times during the appropriate business hours, sent emails and left voicemails. I simply can not get anyone to take my payment and i fear that due to this company failing to communicate with me, a lien will be placed on my home.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Yesterday I received in the U.S. mail my annual " FREE '' credit report from " Equifax. '' On " Page XXXX of XXXX '' under the " Request For Your Credit History '' section it unlawfully list a : " XXXX XXXX ; XXXX XXXX XXXX ; XXXX, RI ; XXXX ( with NO telephone listed ) '' with the " Inquiry Dates '' of " XXXX/XXXX/XXXX '' and " XXXX/XXXX/XXXX. '' I have NO idea of this " XXXX XXXX '' and why they even unlawfully accessed my " Equifax '' credit report TWICE without my knowledge or approval since I have NOT applied for credit cards, etc. for the last 36 months!!! I am a victim of " Identity Theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collections Acquisition Company, Inc.
State: FL

Complaint narrative:
I searched XXXX for washer repair, had company come out to do repair, 2 days later same repair broke again..orginally wrote check out to XXXX as instructed by driver ... when trying to find company again i was unsuccessful..i continously searched for company so they could come back out to repair my machine again..no luck ... check my credit to see a collection from the company for check not clearing i informed them i have been looking high and low for orginal company ... original company never reached out to me via mail or phone in regards to debt. I never was given opportunity to correct or explain what issues i had debt was just placed on my credit without any form of communication..i have been trying to get employment and this same collection keeps coming up and its not fair that i wasnt told anything by orginal creditor ... contacted collection agency with resolution to just pay to delete because this is hendering me and they refused payment ... i dont think this is fair when i never was givrm an opportunity to correct issue at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Current account balance/s incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America XXXX credit card. 
An annual fee was assessed even though i closed the account and havent used the card in many years. i called to have them reverse the fee as i closed the account in XX/XX/XXXX and had paid XXXX dollars of the XXXX dollar fee. i told them to keep the XXXX as it would more than cover two months of the year. they said since i used the card once ( who knows how long ago ) that a service fee is charged to the account no matter what and it is not refundable. I have not used the card in 4 or 5 years at least and feel that their previous fees more than cover any cost that they have incured from any purchase i made umpteen years ago. i feel this is ridiculous and my fee should be refunded immediately.

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 2017-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been deprived of my income as Bank of America continues disappearing my direct deposit payments. In addition to their incapacity to secure people 's money 's, they are massively in mature as they trivialize their failures sending me an email saying : We got your back Fraud protection is back '' They are all very damaged organization full of arrogance and the belief that they are above the law. 
This is the fourth time I file a complaint against Bank of America and nothing happens to them. Had I done one inch of what they have done, I would have lost my license. How come they have more rights than the rest of the Americans? I I was supposed to receive moneys from XXXX {$290.00} on XX/XX/2017 and there is nothing in my account. 
Whe is the Federal government act as as a protector of the citizens who work for a living rather than the arrogant corporations destroying the citizens?

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 2017-04-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed one of my credit cards without notice. Their explanation did not make sense, and was an error. They said I should n't have been approved in the first place. Now I am worried I have an inquiry and a short credit card stint showing on my credit report.

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 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XX/XX/XXXX I had a home mortgage with Bank of America ( {$300000.00} ). In XX/XX/XXXX, I filed for bankruptcy. At this time, BOA sold this mortgage to XXXX. I had this mortgage re-certified with XXXX during the bankruptcy. Never missed ANY payments, loan was never in default either with BOA or XXXX. In XXXX of XXXX, BOA filed or claimed that my mortgage was delinquent and in collections at the sum of {$330000.00}? This information is reflected on my XXXX credit report as a " Collection Account ''. This false information affects my credit status, my credit score and is incorrect. I believe BOA filed my old mortgage, with ( fraud ) the government and reported my mortgage to the Feds to be reimbursed under the banking " bailout '' policies at the time. I need to have this discrepancy removed from my credit file and BOA needs to be investigated for fraud.

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 2017-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: TX

Complaint narrative:
I asked to be assisted with stopping garnishment of my check what they did was basically had me pay a sum and then told me to start paying XXXX a month I 've been doing that but now I find that the insurance policy that was on my loan has been cashed in so my school had been paid what 's owed Great Lakes is now placing my account on my credit as a collection account and I 've been paying them every month since XXXX. When I call no one has a answer. I 've asked for the copies of my loans with them so I can read over them and they have failed to provide them. They are not supposed to create more of a hardship on me and make it harder for me to pay my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation