vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I received a phone call stating that legal documents for a personal complaint were to be filed against me. I called the phone number ( XXXX ) which was given to with the reference # XXXX and was told this was for a Bank of America credit card debt. I asked when the last activity was and was told it was around the years XX/XX/XXXX-XX/XX/XXXX which in the State of Texas is beyond the statute of limitations to sue me for this. The person I spoke with was XXXX XXXX with XXXX XXXX XXXX from XXXX TX. I have never received any notice of collection from this company and upon asking for more information XXXX XXXX was very vague about giving answers. I called back on XX/XX/XXXX and spoke with XXXX XXXX and asked for the mailing address upon which she responded that, that was not the way things worked, she then put me on hold for over 10 minutes with no one else answering my call. XXXX XXXX told me in the first conversation that I would be sued for collection and or my wages would be garnished and my checking account would be froze. I have been on SSI XXXX now for 4 years, my check is direct deposit which can be verified and is protected under federal guidelines. After not having received any validation from XXXX XXXX XXXX for this presumed debt I am filing this complaint.

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 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: PA

Complaint narrative:
There are inquiries on my credit report that I did not authorize nor do I have any knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: DISCOVER BANK
State: MD

Complaint narrative:
My discover card XXXX is not being reported on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had a credit card with Bank of America sinceXX/XX/XXXX. In fact it is my oldest credit card and had a decent credit limit on it. These items are important as they are factors in determining my credit score.
According to the bank they closed my card on XX/XX/XXXX. Bank of America never contacted me to tell me they were going to close my account, nor did they inform me when the account was closed. I became aware that this had happened on XX/XX/XXXXwhen a credit monitoring service notified me that one of my accounts on my credit report had been reported as closed.
I called Bank of America today,XX/XX/XXXX, to have them reinstate the card. I was first put in touch with a man who could not have been less helpful or poorly trained. He then mistakenly transferred me to their fraud department who, after doing their own digging, determined I should be transferred to their credit department. I finally spoke to a woman who was able to understand the problem but informed me that the bank would not re-open the card. I was then told I could re-apply for a new card which does not help me.
I think it is horrible that Bank of America would be so cavalier  with other people 's credit and credit worthiness. My credit history is now shorter, the average age of my accounts younger, and my available credit diminished. I was a customer in good standing and never had a late payment. In addition the unilateral action with no prior information and no way to reverse this is startling.

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 2017-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
A late payment was reported to my credit report. I contacted the card company as I was unaware that I was a late on the payment, let alone that it had been reported to the credit bureau. I was unable to get online to make the payment as they have updated their website and log in information. At that point it was past due. I paid more than the asked amount. When I got my next statement it indicated that I had {$0.00} due. When I talked to them about correcting this because of the difficulties I had logging in on their site to pay the acct, they said they would fix it and gave me steps to do to make sure it got done. I did those steps immediately. I also filed disputes with the credit unions. I was told this was going to be taken care of. When I called to check in on the dispute and ask them to bring it to the fore front as we are in the middle of a home loan, they said they already replied to the dispute as it was n't their fault and that their hands were tied, when I was told by someone else days before that it would be fixed. At this point I have a home loan that has been put on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
The homeowner 's house was damage as a result of the storm.
Her insurance Company came to appraised the damage and sent the check to SPS Mortgage Servicing Company on XX/XX/XXXX
The Homeowner hired a contractor to do the work and papers was filed with SPS by the contractor. The contractor was later dismissed because he was not certified and did not have the proper license. He did not do any work on the house.
The homeowner then hired a second contractor who was certified and licensed and the papers were filed with SPS.
SPS then required contractor # 1 to sign a paper stating that he is no longer the contractor on the job. He did not sign the paper nor will he cooperate with SPS.
The policy of SPS is when this situation occurs they will call the contractor 3 times once per week in the event the contractor does not respond they will forward the insurance check to the homeowner.
SPS has had the check in excess of {$7000.00} since XX/XX/XXXX. SPS made the first call to the contractor on XX/XX/XXXXand none after. On XX/XX/XXXXSPS stated that they did not make the second and third call to the contractor and therefore we have to start all over again. Everytime it rains the homeowner 's house is damage as a result.
This is a hardship to the homeowner because SPS has had the check sinceXX/XX/XXXX and is intentionally withholding the money from the homeowner so that she can complete the work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have a trial modification program with Ocwen for XXXX t the first payment due onXX/XX/XXXXwhich I paid onXX/XX/XXXXok I have the modification papers alll is good onXX/XX/XXXX I noticed the payment was shot bu XXXX dollars called them and notified that on XX/XX/XXXXthat I would submit the difference of XXXX dollars to be exact o me that by y .The XXXX XXXX confirmed XXXXandI actually paid total of XXXX dollars em is st systs was paid by XXXX yet there system still shows or reflects no payment made I need help please help me as I a single father with XXXX XXXX children loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Violation of Section 392.101 of Texas Finance Code which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.303 UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( 2 ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
This collections that are appearing on my account are invalid. I sent the previous collection company that held these accounts a debt verification letter on XXXX XXXX, 2017. The previous company was unable to valid the debt and they deleted these accounts from my credit report. Recently, these accounts have reappeared on my credit report under a new collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: TX

Complaint narrative:
This items below are inaccurate, because I never made a late payment with the below creditors. I requested that Experian, and all of the below creditors to verify the accounts as per FCRA 15 U.S. Code 1681i, or remove the unverified account history. As of the date of this submission Experian and the below creditors, has not provided physical verification of the alleged late payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the negatively impacting late payment history be removed or provide " physical verification '' of actual late payments.
1. XXXX XXXX XXXX-XXXX 2. XXXX XXXX XXXX-XXXX 3. XXXX XXXX XXXX-XXXX 4. XXXX XXXX XXXX-XXXX 5. XXXX XXXX XXXX-XXXX 6. XXXX XXXX XXXX-XXXX 7. XXXX XXXX XXXX-XXXX 8. XXXX XXXX XXXX-XXXX 9. 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 2017-11-03 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: MD

Complaint narrative:
My XXXX card XXXX is not being reported on my transunion 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 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
There are inquiries on my credit report that I did not authorize nor do I have any knowledge of them.

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 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
There are inquiries on my credit report that I did not authorize nor do I have any knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Nationwide Recovery Systems ( NRS ) ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone XXXX 

This company is fraudulently trying to collect debt that his been paid. 

I 've sent them a copy of the receipt which reads the original account number issued by the medical provider. However, NRS claims this is not the account because it does n't match the account number issued by their agency. 

The amount they are fraudulently trying to collect is {$930.00} which is the exact amount on the receipt I sent. The medical provider is the same, the amount is the same, and the date of service is the same. Yet, they claim it is a different account with the same exact amount on the same exact date with the same provider. 

I 've checked with the provider and the account paid is the only account they have. There is no second account on the same date for the same exact amount. 

I need for the harassment to stop. I paid my debt and do n't want to be extorted into paying it again. 

I appreciate you looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a XX/XX/XXXX report at XXXX with XXXX XXXX XXXX, then in XX/XX/XXXX I tried to open a business account at Well Fargo where I was a secondary signee.
The account was opened and after a few days it was closed because of the XXXX record. I did not have 7 days with the account and no transactions were done. Wells Fargo also kept the {$100.00} dollars I opened the account with.
After I was denied opening a business account at Wells Fargo onXX/XX/XXXX I requested a report and this is what I found : Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause.
Wells Fargo has created a file just because I tried to open an account, I have done nothing to defraud anyone, ever.
The XXXX record with XXXX XXXX XXXX was due to overdraft fees from a payday Loan company that stubbornly kept doing the check presentation even after I talked to them about my situation to make an arrangement.
I am not a con man or a schemer. I just fell in a long unemployment period, which last time I check it is not a crime.
The XXXX XXXX is lazy. Everybody is thrown into a pool with the criminals and the XXXX XXXX of this world. Who is going to fix this system?
I request that these reports should be totally purged from my file. I have been delivered an economic XXXX XXXX, and possibly an employment opportunity just because of unemployment.

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 2017-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: IL

Complaint narrative:
I owe no money. This company ( Allied ) XXXX is trying collect on a debt by looking for information about an individual not known to me. They will not stop calling. I have blocked their number, but they call daily over the past month of XX/XX/XXXX and nowXX/XX/XXXX. They call and receive no answer, but they continue to call. They called also inthe past several months ago. When you call them to complain, they do not seem to know what you are talking about. It is harassment for a debt that is not mine. This is not acceptable.

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 2017-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I noticed that a collection account was added to one credit report and it was not mine as a result of identity theft. I have been a victim of identity theft. It was soon there after deleted from that one then added to a different report. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am getting repeated phone calls from portfolio recovery from several different numbers all hours of day and night. XX/XX/XXXXXXXX again at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. They do not identify themselves when they call, they will not state the company they are calling from without an argument and are telling me that they want to collect on my XXXX XXXX XXXX. I have a XXXX XXXX XXXX XXXX in good standing and tell them I do not owe XXXX XXXX any money they claim its an old debt. I tell them that I do not owe and they get beligerent so I get beligerent back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
mt student loans went from XXXX XXXX to Navient & I was due last year for a deferment so I called and they said I was approved based off my income and was good to go and could pay if I was able to & if I was not able to no worry about it I would need to re apply for deferment in XXXX XXXX 2017 so I tried calling and doing another deferment and ask why on my credit is it showing on some months I did not make payments they said was not showing in their system I had a deferment for those months but the were random which does not make since and they have refused to help me figure out the issue and why the repayment is so high they want me to pay as much as 1 and half of my weekly checks I can not do that as a mom of XXXX & when I offered to try & pay $ 20- {$30.00} here and there the denied stating I can not make a partial payment must be in full which does not make since if I was in deferment now I have all this supposed extra interest. they are not helpful at all and Im to the point they just need to be forgiven since they do not want to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
SPS did not tell me ( written or verbally ) that my house was put in foreclosure. I did not recieve any certified letters or anytging. SPS took it upon themselves to notify XXXX XXXX XXXX XXXX an attorney and counselor at law to put my house in foreclosure. I have an attached letter stating that XXXX XXXX sent dated the foreclosure letter for XXXX XXXX2017. I called SPS and they told me they did not know why XXXX XXXX sent the foreclosure letter without their approval or before they informed me of the foreclosure date. I am in a predatory loan and at new law was passed that protects homeowneemrs against predatory lending and any interest rate over 5.5 % is considered predatory. I have a 8 % loan SPS should be informed that it I am a victim of predatory lending I can sue the bank. Please, stop the foreclosure and give me a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a victim of Hurricane XXXX. Thankfully I do have flood insurance. That is nor my gripe. I received a check from the insurance company, but I can not deposit it into my account. They ( CitiMortgage ) wants me to sign it over to them, they will put it in a secure escrow account ( I will not get interest ). Along with the check they want an itemized list from the insurance company as well as an estimate from my contractor. 
Then and only then they will send me a portion to use as a down payment to the contractor. They will issue another check when work has been completed. Home needs to pass an inspection. Then they will issue a check for the remainder of the money. 
I have never been late on a mortgage payment. I have my taxes and insurance rolled into my mortgage ( mistake on my behave ) lesson learnt. How can they dictate to me how to spend these monies? I live in my house, I want to fix it and pay my bills myself. 
This is wrong. I am an adult, employed full time and have a terrific credit score.  They are making me feel inferior.

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 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Technologies, Inc.
State: LA

Complaint narrative:
I did not give consent to have my credit inquired upon by all of these companies

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