vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I recently got a new job which does monthly paychecks vs biweekly. I deposited my first full paycheck in a month and a half for {$3200.00} at a Bank of America ATM in XXXX, VA on Tuesday, XX/XX/XXXX at XXXX XXXX. The receipt I received said there was a hold on it until XX/XX/XXXX, but it would not say why. I called BoA immediately, and and a supervisor responded that they do not see the hold, but to call back in the morning if the hold is still showing. In the morning of XX/XX/XXXX I called back, asking again for a supervisor. They said they couldn't do anything to help me and that I needed to wait 24 hours from depositing the check to call back. But that it was probably being held because of " federal statutes '' ( I think they assumed I wouldn't know the Federal limit is {$10000.00} ) But I waited and called back in the evening. Speaking to a different supervisor, they said that I needed to actually wait 24 hours from processing, which was XXXX XXXX, to get a review of a check hold and that they have notes to the check hold department to review and release the funds if available. He suggested I call back again the next morning at XXXX XXXX  when the phone lines open. I called back again this morning, XX/XX/XXXX, and again, asked for a supervisor. This supervisor told me that I was given the wrong information and the department I needed to speak to would not be open until XXXX XXXX and that I would need to call back again. At XXXX XXXX, I called back and was disconnected. Twice. I finally get ahold of someone, and they were extremely rude, and when I asked to speak to a supervisor, he transferred me to the account closing department. After finally getting transferred 3 more times to a supervisor, this one tells me that everyone else has misinformed me and that nothing can be done. There will be no review, no check hold removal, or push to clear. I then decide, after hanging up, to check with my employer. The paycheck has already cleared through their bank and the funds have been allocated. So, basically, BoA is refusing to give me my money and causing me financial hardship. I explained that I needed my money as the lack of funds would cause my account to go into the red and was basically told that I was just going to have to pay the overdraft fees. Even though they have the money already and are refusing to put it into my 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 2019-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
About 5 months ago I did a refinance with a mortgage company over the phone ... That process was fine. But they transferred my mortgage to an unknown company to me called PHH Mortgage address : 1 XXXX XXXX, XXXX XXXX, New Jersey ph : XXXX ( XXXX ) XXXX. 
This is when all the problems started. 

My main concern right now is that the way they process payments. I made a phone payment with a rep named XXXX he said they he used my existing card info to make a payment, I got a confirmation number. He said that the funds would be taking out in about 24 hours ... that time has passed and the funds are still in the account. 

I called my bank XXXX and they confirmed that there is no activity for withdraw I have been trying to call PHH to see  what's going on and can not get anybody on the phone and place on hold for 15mins on average. Now this has spilled into my work and I can not stay on hold with them for this amount of time. So now I have to see why the payment did not go through ... and also make sure that they don't make ANOTHER transaction and double charge my account. 

- Web site is very poorly designed, very hard to navigate, they use their own banking jargon that is foreign to me -Payments are not successful, the way the process payments is poor. For example, they have double charged me previously -Very, very difficult to contact during regular business hours you can be on hold for up to 15mins or more, calls drop ... no call backs and they do not keep their word when they said they WILL send documents. I am waiting on a statement to be e-mail that I asked for days ago and still have not got the e-mail. 
-Main problems are : The web-site ( online payments ) Communications - Very difficult to get a rep online I am battling a XXXX XXXX illness and this is giving me great XXXX  because I have to stay on them because there is no protection for the homeowner and they can add charges ... claim that they didn't get my payment. I am not in default with them but I can see it going downhill because of their processes and miscommunications. When I was with XXXX XXXX I never had this problem, took about 2 clicks to make a payment and done! I made this payment on XXXX XXXX ( online ) and still dealing with it. I just want it to be over with, my XXXX payment is coming up and I am getting the same anxiety ... I can not deal with this every month. I am trying to get a larger company like XXXX or XXXX XXXX to buy back my loan. I have been getting up extra early to contact my bank and mortgage company back and forth, missing out on large parts of my day, and XXXX XXXX by the end of it ... But I can not get tired or slip, because things can get out of control. 


Next goals : see the funds transferred get a new mortgage company ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
This is the second time I have written about the mistreatment of two companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they generated me a bill during a medical consultation a year ago and the bill was sent to Midwest Debt Collection. without ever being sent to my insurance or to my address to be able to pay that debt, my credit was severely damaged. Then Midwest Recovery Systems, knowing of the rush to repair my credit score, used the tactic that if I paid it out of my pocket, they would repair my credit faster to buy the house, then paid, that was a serious mistake I made, because my credit wasn't repaired faster and I have to pay much more for the mortgage of my house for eleven long years since I had to qualify for an HFA loan due to bad credit score even though I gave more than twenty percent of the mortgage because.

Now trying that the bill that was generated a year ago be sent to my insurance to recover some of the money, I have been mistreated by both company, XXXX XXXX XXXX XXXX says that that is not their problem, that it is a frequent mistake and that they do not have the fault of what happened and that they sent the debt to Midwest Recovery Systems and Midwest Recovery Systems says that that account is closed and that they no longer have anything to do with it. 
then I wonder Who can defend us from these abusive practices used by this company against citizens? 
What should I do to claim my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
I received a letter on XX/XX/XXXX from Pacific Retrieval LLC XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, California, XXXX a collection agency regarding an alleged account # XXXX, Claim # XXXX with a towing company, XXXX XXXX XXXX out of XXXX California who towed a XXXX XXXX XXXX VIN XXXX ( no license plate # provided ) and is alleging I, XXXX XXXX owe {$2600.00} for a tow and storage for a truck I have never owned in my life, the XXXX  XXXX XXXX   and Consumer reports has had 13 complaints about identical fraudulent assertions and threatening, rude behaviors attempting to extort thousands of dollars out of elderly? or vulnerable who are more likely to succumb to threats and found language, being called a liar and a thief, they know they are abusing people for cars we never owned in our life, they settle the cases with the XXXX  however they continue to use the illegal abusive threatening fraudulent and slandering tactics. Clearly they are making money by breaking the law and defrauding vulnerable persons by their extreme ly abusive language and accusations of criminality for refusing to pay for a vehicle we never saw before, this is a huge ongoing scam, search and see on the XXXX  website or Consuner affairs and the Federal Trade Commission.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital one credit card company put me into a program that I was told would freeze the interest while I pay off the card. At no time during the phone call or acceptance into this program was I ever told that things would be Taken from me for signing up for this program. I finally got the entire {$9000.00} paid off and then they turn the XXXX around and send me another bill for interest. XXXX is going on here? If I am forced to acquire a lawyer I will refuse all settlements and take it to the jury for a decision in a speedy trial. I am tired of companies taking, taking taking, Dam it. This is wrong and needs to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX/XXXX XXXX XXXX   XXXX Unverified Account Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2019-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TODAY XX/XX/19 I WAS MADE AWARE OF TWO COLLECTION ACCOUNTS AND SOME INQUIRIES ON MY REPORT THAT I NEVER OPENED. I NEVER ALLOWED ANYONE TO OPEN THESE ACCOUNTS IN MY NAME NOR DID I BENEFIT ANYTHING FROM THESE ACCOUNTS BEING OPEN IN MY NAME.

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 2019-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA 19016 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX/XXXX  XXXX XXXX XXXX Unverified Account Creditor Inquiry Date XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 explanation
Consumer complaint received 2019-10-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
* Equifax was unable to provide my free credit report and was not able to explain why. They required me to submit a dispute and proof of identity, which I did * Dispute results showed : " The worker ID number is issued by SSA for work purposes only. This number is not issued by the SSA as a SSN. The worker ID number is not issued by the SSA as a SSN and can not be added to your Equifax credit file. '' * Called SSA and was informed that this distinction does not exist - that even if the number is issued for work purposes ( on H1B visa ), it should be valid for credit purposes * SSA advised me to contact federal trade commission ( FTC ) to resolve * Desired outcome : Would like ( 1 ) Record to be amended such that Equifax has access to my SSN ( 2 ) Credit history to reflect the past ~8 months I have lived and worked legally in the US - i.e. I should have a credit history and not be starting from scratch

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent account identity theft XXXXXXXX XXXX XXXXl Open XX/XX/18 Amount XXXX This fraudulent account was previously deleted from credit report but continues to reappear Equifax sent me a letter stating the creditor doesn't show on my report but the creditor still is showing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF EXPERIAN, 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 2019-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL

Complaint narrative:
Ive bought 3 painting from park west gallery XX/XX/XXXX XXXX.they finance it on MySynchrony park west card. At the moment the garantee that no interest or fee will be charge. Back to XXXX, i tried to make the XXXX $ tranfert to clear the card. The wont recognise my bank info so i cant transert the money, ive try 4 time ( with the XXXX banking code given by my bank ) between the XXXX and XXXX of XXXX. In XXXX i send a check of XXXX $ can by mail they refuse it ( banking info error ) i send one printed by the bank in XX/XX/XXXX same amout, they refuse it for the same reason. I offer them to pay with a credit card master or visa, they refuse. Now they are chargin me over XXXX $ and counting in late fees ... 

I dont know howto resolve this cul de sac but i need help 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 explanation
Consumer complaint received 2019-10-31 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was recently report falsely 30 days late for the month of XXXX even though at the time I was in the process of filling an extension which was granted and I was told they would not report a 30 day late. At that time I wanted to be better safe then sorry so I asked for a letter and the representative I spoke with told me not to worry and I have his word that they will not report a 30 day late. 

I believed that representative but found out a month later that they did in fact report to all 3 credit bureaus a 30 day late. I was able to find out this information through XXXX XXXX. 

I then called several times and I was told the only person that can help me is an individual named XXXX XXXX who is a manger of the entire credit department. When I spoke to he it was as if I was speaking to a robot as she did not listen, spoke over me, proceeded to tell me she could not help me and told me they can not give charity out. 

Needless to say I was very upset and asked to speak to her manager at which point she hung up on me. I then called back several times at which point I was told her manager 's name is XXXX XXXX XXXX who would only communicate to me through email even though I repeatedly called him with no response. He did respond saying that he could not help me and they have helped me in the past and I was luck that I received that and was very cold and rude through his emails. 

Please help me on this matter as I am very unhappy and I still have not resolved this issue and nobody is calling me to resolve.

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 2019-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: UT

Complaint narrative:
XXXX XXXX has received the police report from the XXXX XXXX police department XXXX is the report number. I am not responsible for this debt. XXXX XXXX  removed the debt but continues to keep selling this debt to third part debt collectors.

Company response to consumer: Closed with explanation