vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I along with ALL of my relatives received a call stating a process server is attempting to get in contact with me on behalf of a collections company that cant send documents to me. When I call the number they provided its an answering service that routes your call to the company based on the case number, which my case number is apparently directed to XXXX XXXXXXXX XXXX  XXXX. When transferred to the 'law firm ' my last 4 of my social, full name and DOB are read out, and I am told there is a debt of over {$5000.00} from an old Bank of America account. This 'debt ' claim was the same I dealt with about 2 years ago and filed a complaint about, with a different collections company, XXXX . XXXXXXXX XXXX   said they closed the debt as non-collectable and I would not be contacted again, yet apparently the claim was sold to another firm. XXXX XXXX said they will contact Bank of America but I was told by XXXX that once a claim is sold Bank of America doesn't have records of any further information.

These collectors called ALL of my family and even friends without my consent about a 'debt ' I was previously told has been closed as non-collectable.

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have been always regular ( ontime ) payer on my zales credit card. I never missed any payment. But due to severe natural disaster ( Hurricane Florence ) I  am now broken. I have no job, no home, no savings and no financial support. As customer courtesy it is kindly requested, considering my regular payment records, severe natural disaster and my financial hardship to please refund following finance charges on my account : XX/XX/XXXX {$78.00} XX/XX/XXXX {$74.00} XX/XX/XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XX/XX/2018 I closed on a Home Equity Line of Credit with XXXX XXXX XXXX XXXX, the title company was XXXX XXXXXXXX XXXX XXXX XXXX. I received a paper check from XXXX XXXXXXXX XXXX XXXX XXXX to pay the balance of my XXXX XXXX XXXX credit card, which I took to the XXXXXXXX XXXX XXXX XXXXXXXX location on XX/XX/2018. When I went to make a payment to XXXXXXXX XXXX  XXXX On XX/XX/2018 my balance was way higher than I originally thought. After reviewing the XX/XX/2018 statement, I saw on XX/XX/18 an Adjustment - Payments of {$1100.00}. I immediately contacted XXXX XXXX XXXXXXXX XXXX, and was informed that my bank reversed the XX/XX/2018 payment. I immediately contacted XXXX XXXX XXXX XXXX and after a review was connected to XXXX XXXX. After her review, she confirmed that a check from my HELOC of {$1100.00} was distributed through XXXX XXXX 's office. I than called XXXX XXXX 's office and spoke to Ms. XXXX XXXX - XXXX, I explained what had happened with my account.She told that in XX/XX/2018 XXXX XXXX XXXX drafted their account twice, and that after many inquires and an investigation, that in XX/XX/2018 a reversal was granted and was told to resolve it myself. I told her I was upset that no one contacted me regarding the problem in XXXX or any other month. I called XXXX XXXX XXXXXXXX XXXX location and explained what happened to coach XXXX XXXX. After her review, I was informed that the XX/XX/2018 check was deposited electronically, and deposited, she than told me she would speak to the XXXX XXXX XXXX/XXXX XXXX XXXX. I than contacted XXXX ( XXXX ) explained what I was told by the XXXXXXXX XXXX  XXXX representative ( XXXX XXXX ), XXXX offered to send a copy of my settlement statement ( which she did ), and stated she would check with her manager on a course of action. When I called XXXX back she stated her manager said it was not their problem and to contact XXXXXXXX XXXX XXXXXXXX. I than called XXXX XXXX XXXXXXXX XXXX again and was told to contact the bank that issued/reversed the check. I than had to contact Ms. XXXX - XXXX ( XXXX XXXX ) since their bank issued the check. Ms. XXXX - XXXX stated the problem was what I had told XXXX the previous day, and that I needed to resolve it with XXXX XXXX XXXX. I then called to speak to XXXX ( XXXXXXXX XXXX XXXXXXXX location ) than went to XXXX XXXX XXXX  XXXX location to request help once more. I emailed the copies of the two checks, and was told she would contact the liaison. I than contacted Ms. XXXX XXXX - XXXX for a copy of the reversal, and was told it wasn't available because it part of a dispute. As of today the reversal was an electronic transaction between XXXX XXXX and the ACH.

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 2018-10-16 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: CA

Complaint narrative:
I have two collection accounts in my Equifax credit file which I have disputed five times with Equifax. The same collection accounts I have disputed with XXXX and XXXX XXXX and after investigation these two bureaus blocked the two fraudulent collection accounts from my credit file. But Equifax did not and Equifax advised me for five times that the collection company verified that the two collection accounts belong to me. I have contacted the collection company and it advised they have requested from all three major credit reporting agencies to remove the two collection accounts due to identity theft. But Equifax still reporting them in my credit file by damaging my true credit worthiness. 
Equifax is the worst company ever ... I don't have any other method to fight with Equifax to get fraud accounts to be removed from my file. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I tried disputing inaccurate accounts, delinquent accounts that has been paid on time, incorrect addresses, and unauthorized inquires with Experian for the last eight to nine months or evening longer. I Recently disputed on XX/XX/XXXX, andXXXX, XX/XX/XXXX, and XXXX of XXXX. I still didn't receive a response from my XX/XX/XXXX dispute I wrote to them. Of the Fair Credit Reporting Act, Experian has 30 days to respond or the accounts I disputed must be removed. There reporting a late payment on my XXXX account for XX/XX/XXXX, that account has never been late, I sent them proof of payment for that month, and they still didn't remove it. The proof was a written statement and a payment print out from XXXX, and they still never corrected the error. When I ask them to verify the accounts they never will send me anything in writing with my signature or contract with my name on it. Wrong/incorrect last for digits of social security XXXX is incorrect. Under The Fair Credit Reporting Act section 609, the creditor and the credit bureaus must prove that the account is mine. They never send proof. XXXX XXXX XXXX  is not my account. I asked them to send me verification and validate that this inaccurate account is mine, they would never send me validation, or verified with my signature or contract. The same with XXXX, never verify with a contract that I owe them. I would like for Experian to show proof of these inaccurate account with me bonded with a contract to these accounts or any proof of lateness. I have sent them proof, and I have not received and proof in return. I shouldn't have to prove anything, they are the ones reporting, so I need to see proof of why your reporting accounts inaccurate? Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I wrote to XXXX XXXX XXXX requesting verfication 2 times over a 90 day time span and did not receive a response to my request to verify debt. I reserached the company and it appears they are not licensed nor bonded to collect in the state of Texas. Last month i sent another letter letting them know of my findings and I still have not heard anything back. I have also phoned numberous times XXXX and the number is not a working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: VA

Complaint narrative:
This company did not give me adequate written notice to pay debt prior to reporting to my credit report. I have not lived at the address they have been contacting for the last 18 months. I never received mail notification.

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 2018-10-16 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: CITIBANK, N.A.
State: RI

Complaint narrative:
My account was closed in error by Citi bank with a deceased code. While the account was closed, and as I awaited Citi bank to correct the error, automatic payments were no longer made on my account, and it was not possible to make payment otherwise. After the deceased code was finally removed from my account, it resulted in a charge off. I am requesting that Citi bank remove this charge off listed on my credit report immediately, because it has negatively impacted my credit score through no fault of my own and only due to the fault of Citi bank.

I have attached supporting documents and letters I have sent to Citi for reference and further details.

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 2018-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Ameritech Financial
State: TX

Complaint narrative:
I've been trying for years to get my student loan payments on the income verification plan. I have been unsuccessful even though I have a low income they keep telling me they can't find my stuff I keep telling me that I'll get my records to keep telling me that I'll get my faxes to keep telling me that I have to reapply. Ameri-tech came along and said pay us this fee we handle everything. So I made a deal with Ameritech for {$150.00} a month and I was paying them for 3 years. I stopped paying them about 9 months ago when I got a phone call from XXXX XXXX stating that they had not received a payment for me in over 3 years and that I had exceeded the number of forbearances that I could have in a year. XXXX XXXX then proceeded to tell me that Ameritech was waiting till the 90th day to call in on my behalf and claim a forbearance and then get another 6 months forbearance and wait till 90 days and then call in. Send XXXX XXXX reports on a 90-day cycle to the credit bureaus. I called Ameritech to see if this was true they told me yes that's why I'm paying them {$150.00} a month to do this. I told them know they were supposed to be paying a little on my XXXX XXXX and I'm supposed to be paying them for maintaining it so that after a certain amount of time we could show that I was willing to pay just unable to do the full amount and that I could get loan forgiveness. they told me that's not how it works and I told them to stop payments I would handle it from then. When I went to cancel with them I had to go all the way up to the super I went from the person I spoke to to the supervisor to the floor manager to that floor managers supervisor before I could finally get clearance to cancel. They were nasty about it they didn't want me to go they tried to reduce my payments down to {$25.00} a month just so I would stay but they're not doing anything for me and I won't ever get loan forgiveness this way.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-16 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: Diversified Consultants, Inc.
State: NV

Complaint narrative:
inaccurate information showing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I closed my account and yet this company is send me statements saying I am late in paying my annual fee on a closed account. This account was closed last year but they failed to close and I had to call again. They stated they would reverse the charge that it now affecting 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 2018-10-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: Clark County Collection Service
State: NV

Complaint narrative:
inaccurate information showing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NV

Complaint narrative:
inaccurate information showing

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I contacted Bank of America Recast group on XX/XX/XXXX at XXXX. I was told during 12 min conversation after looking up my mortgage that a recast package would automatically be sent out to me in XX/XX/XXXX because recast was only available after 5 years on modification loan. I called BOA on XX/XX/XXXX and spoke to my mortgage rep XXXX XXXX who didnt know anything about the package. He contacted recast group over a 2 week period and gave me different stories and admitted the stories he received from recast group contradicted one another and then provided me with a XXXX tracking # for the recast package that was bogus and going to XXXX XXXX on XX/XX/XXXX. ( XXXX ) He was supposed to update me but i had to keep calling in. Each time new story on why it was delayed being sent out. I called recast after Mr XXXX stopped responding and they changed stories several times. Then on XX/XX/XXXX Mr XXXX finally accepted a call thru his coworker from me and proceeded to start the contradicting stories from earlier. I just want official documentation for application for recast or denial WITH REASON for denial. I believe this is retaliation for lawsuit about modification and settlement documents. *********No paperwork has been sent regarding recast as of XX/XX/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 2018-10-16 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
inaccurate information showing up ftc violation and fcra

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 2018-10-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
inaccurate information showing up ftc violation and fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
inaccurate information showing up ftc violation and fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX, my husband attempted to obtain his free annual credit report from the website, XXXX., prior to applying for a car loan at our local bank. After submitting all his personal credit information, at the end of the process, he was informed that the reporting agency " could not provide a credit report at this time '', although the BANK had no problem obtaining his credit report, which he was not allowed to view, but he did find out that it contained inaccurate information and lower credit score that resulted in requiring him to get a co-signer and pay higher interest on the car loan. Today, ( XX/XX/XXXX ) when I went online to apply for social security retirement benefits, my application was " rejected due to reporting from XXXX  '' so that SSA could not " verify '' my existence in order to process my application ; so I went online for MY free annual credit report, and, after supplying all my personal credit information, I was informed that the reporting agency " could not provide a credit report at this time. '' Because we have been in a bitter dispute with XXXX/XXXX/XXXX over their theft of our home on XX/XX/XXXX - which they reported to the credit reporting agencies as " REPOSESSED '' 5 years ago, when it was actually still IN DISPUTE in Federal Court, getting ready to go to Jury trial in a few months, & they have been informed that I've had to fire our attorney and prepare to represent ourselves Pro-Se in our dispute against them, I think they are using their financial power and control over the credit reporting agencies in order to harass and get us to throw in the towel and give up.

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 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was informed by Chase bank that my checking and saving will be closed, no reason given. 
On XX/XX/XXXX, I was told my accounts were closed completely and my fund $ XXXX should be sent to me by cashier check soon. 
However, I did not receive the check so I called Chase again, I was told my funds are being " investigated '' by " banking team '', no reason given, no time frame given. I have called more than 5 times about this, and the same answer given by Chase. 
Today is XX/XX/XXXX, I called again and still the same answer and no estimate completion time provided. 
All my funds are legal and mine. I need Chase to return my funds asap. I don't see they have a right to hold my funds for so long without giving any reason or completion estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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 — Problem getting your free annual credit report
Company: Radius Global Solutions LLC
State: ID

Complaint narrative:
I was unable to obtain 2 of 3 online credit reports promised by your company in spite of the fact that I provided all the necessary privacy information requested. In addition, in order to obtain my free annual credit report via mail, I was required to submit highly sensitive personal and financial information in hard copy form through a much less secure and accountable system, the US Mail. 
I am extremely frustrated and disappointed in this service and I feel I have been victimized by a faceless and anonymous entity committed to defrauding the consumer through the promising of a free and vital service only to be made vulnerable to a well-established network of highly skilled and nefarious entities who prey upon the trusting and nave. 
Recognizing that my complaint will fall upon non-existent ears, and that I am pleading my case to a system committed to self-preservation through the continuation of the suppression of the voiceless and marginalized I fully intend to publicize and vocalize this complaint to all regulatory bodies. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation