vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
I received a call from an american debt collection agency for a credit card debt I owe in XXXX, which I am paying back quite regularly, according to my financial possibilities. This company wanted to get personal information from me over the phone, like the amounts owed. 
Somehow they were able to pull off some of the credit from XXXX, but I never received any official communication from XXXX that they would transfer the debt in XXXX to this company in USA. I then received so far three letters asking me to repay in one solution a sum that is more than XXXX USD higher than my entire original debt, and it has been more than a year that I have been paying the debt back. As I said, I am currently paying the debt in XXXX and I can prove the transactions made to the creditor company in XXXX. This self-proclaimed debt collecting company, RMS, seems to be a scam because of the grossly wrong amount they are asking me, because I never received any official written communication from XXXX about them taking charge of my debt, because they appear to be unaware of my personal information, except my phone number and home address and some old credit card statements, because their physical address is a P.O. box, and the website they report in the letters they send me did never work at all, showing a blank page with a 404 error and it seems nonexistent. Additionally, googling for their name it comes out that they appear to be a scam organization, and some other consumers reported a companys physical address being in XXXX, while the address in my letters is XXXX, OH. They seem, act and feel like scammers. What can I do to let them stop?

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 2017-11-29 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:
On XX/XX/XXXX I first filed a dispute regarding an unknown medical collection on my Equifax credit report. Equifax responded to me and indicated they had verified the account and advised me to contact the reporting collection agency. 

On XX/XX/XXXX I sent a certified letter to the reporting collection agency requesting the information they have regarding this account. The collection agency sent me a letter indicating they would verify the account and send me additional information. 

On XX/XX/XXXX I had not yet received any information from the reporting Collection agency and I called them at their office. They informed me on that call that they could not verify or provide me any information and that my account was closed in their office. I followed up that call with a certified letter requesting a withdrawal in writing of the claim so that I could send it to Equifax. 

After my phone call on XX/XX/XXXX with the reporting collection agency, I filed an online dispute with Equifax letting them know I have done everything in my power to discover and rectify this error with the reporting agency, and that the reporting of this account is an error. 

On XX/XX/XXXX Equifax reported back to me they have again verified the collection with the reporting agency and advised me to contact them again. I have contacted them again and they assure me they are not reporting the account. 

Equifax continues to report this unverifiable account on my report. It seems unreasonable that Equifax continues to require me to rectify with a collection agency whom will not tell me anything other than that the account is unverifiable and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is in regards to complaint file XXXX for Experian, I have asked for inquiries to be removed from my credit report that I have not authorized. The law states that the credit bureas have to show proof that these are in fact my inquries that I have inquired about. So I am asking CFPB to help me with getting proof that I have gave authorization to have these inquries just like I have asked Experian and Still have not gotten any proof.

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 2017-11-29 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: GA

Complaint narrative:
According to XXXX, XXXX and TransUnion my report publish information should be removed. Inquiries on my XXXX  report by XXXX XXXX on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX these inquiries were not authorized by me. A collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.

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 2017-11-29 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: GA

Complaint narrative:
According to Experian, XXXX and XXXX my report publish information should be removed. Inquiries on my XXXX report by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries were not authorized by me. A  collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.

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 2017-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I consolidated my federal loans in XX/XX/XXXX with XXXX XXXX/Navient with the sole purpose of qualifying for a loan forgiveness program. I even called and spoke to a rep about this in XX/XX/XXXX. 
Since XX/XX/XXXX, I thought that I was in a loan forgiveness program and always made payments on time.

In XX/XX/XXXX, I followed up with my provider, to inquire about how close I was to completing the program. At that time I was told that I had to be in a certain repayment plan to qualify for a forgiveness program. I was never informed of that- for years I have been making timely payments and my principle has not budged! It is literally the same amount it was when I graduated in XX/XX/XXXX! 
I am now in the PUBLIC SERVICE LOAN FORGIVENESS ( PSLF ) program which forgives loans after 10 years. I have always worked for a XXXX XXXX XXXX since graduating in XX/XX/XXXX. I should have received loan forgiveness by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I received my account statement for transaction activity period XX/XX/XXXX toXX/XX/XXXX. The ending account balance was XXXX. 
When I received my account statement for transaction activity period XX/XX/XXXX to XX/XX/XXXX, the beginning account balance was {$14000.00}. A increase of {$3400.00}. I did not do any account advances during this period. 
The company, when contacted can not explain why my balance increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX, 2017 Fifth Third Bank Office of the President XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX This is a letter I sent to Fifth Third Bank requesting a correction to a mistake their employee made and asking for the mistake to be corrected. 
Dear XXXX, I am writing with disappointment to your response, and to request your assistance once again. My former wife and I had a property financed through the XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX MI. XXXX. Unfortunately, my former wife and I dissolved the marriage, In doing so, there was an excess of close to {$3900.00} in the escrow account attached to this mortgage. After reading your response, it saddened me that your bank would not stand behind their mistakes. In regards to the check made out for {$3900.00} to XXXX XXXX XXXX, XXXX XXXX XXXX, the problem is, Fifth Third Bank cashed this check with only one of two signatures that were required, we are divorced, and there is a strained relationship between the two of us, so collecting this money by me to correct your banks mistake form my former wife is not an option, and half of this money she was not entitled too. Fifth Third Bank has an obligation to return the money to me, seeing that XXXX has no claim to my half of the escrow. The mortgage officer made the check out to XXXX XXXX, XXXX XXXX XXXX. This check was signed by XXXX, and applied to her new escrow account. I have spoken to the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance. And am awaiting on a complaint form to begin action through them to try to resolve this issue. I was told based on my verbal complaint that there is a claim against both Fifth Third Bank as well as XXXX XXXX XXXX XXXX. If this letter is not going to generate the remedy that I seek, then I have already notified you that I have contacted the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance and will be forced to proceed with their assistance. I am appealing to your good judgment to help correct this error. Please respond within 10 days, or I will take your failure to respond as an answer. 


Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, KY XXXX XXXX Second attempt to resolve the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: NY

Complaint narrative:
About two months ago I received an email that my credit score had changed. I do n't check my credit frequently, since I rarely use credit cards, but I had a check run back in XXXX for approval on an apartment, and it was fine then. So I logged into XXXX XXXX and saw my score had dropped about 100 points, because of a high number of credit cards. There were three cards listed I did not recognize at all, for credit cards that had run up late payments, were terminated by creditor, or were cancelled by user. I believe these cards were opened illegally under my name, without my knowledge or consent. One of the banks was in Delaware - I have never even been to Delaware! I figured this was an identity theft issue, so I contacted XXXX XXXX and received nothing except they could n't do anything about it, as they are not a credit company, just a provider of credit scores. I then tried to contact XXXX and Transunion directly, but they told me my answers to the security questions to access my account were all incorrect. And would n't tell me why, or how. They asked me thing about my past loans - I 've never taken out a loan! Do n't know how my answers could have been wrong. So THEN I looked at the names of the " banks '' who issued these cards, namely, the one in Delaware. I called them directly, and they could not give me any information as to how or why a card could have been issued under my name. They said I had to fax - not email, call or anything else - a claim to a specific number of a specific department, not to their " bank '' itself. Since then I checked to see if the claim I filed with XXXX XXXX  did anything - no. I have received no updates, no results on my claim that I filed, and my credit score is still low for reasons I can not explain.

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 2017-11-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Repeatedly, since and before XX/XX/XXXX, EXPERIAN has refused to comply with applicable federal law by providing the proof they are required to have on record regarding requests for my credit history. I have demanded that EXPERIAN provide the ( 1 ) method of verification EXPERIAN utilized, the ( 2 ) name and address of the furnisher to whom EXPERIAN sumbitted and received the investigation report, the ( 3 ) bona fide, true, correct, and complete, document, contract, agreement, authorization upon and through which EXPERIAN asserts that my affirmative consent has been or was given and EXPERIAN has continuously refused, failed, and ignored my demands for EXPERIAN 's compliance with federal law. Instead EXPERIAN sends to me a credit investigation report in which EXPERIAN reports 05 of 06 disputed inquiries REASONS as " Unspecified. This inquiry is scheduled to continue on record until ... '' and 01 of 06 as " Auto loan on behalf of XXXX. This inquiry is scheduled to continue on record until ... '' I have no knowledge of any of these inquiries AND i certainly have NOT requested an auto loan from nor through XXXX!!! As recently as XX/XX/XXXX in EXPERIAN Report number XXXX, EXPERIAN is still actively reporting and selling to its subscribers inaccurate, unverified information!

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 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
I am not satisfied with XXXX XXXX 's response to my earlier complaint. 

I do not owe XXXX XXXX. 

I feel terribly cheated to be asked to pay what I do not owe. 

Judge passed judgment without seeing sale and foreclosure papers. Not fair. 

Purchase price was exactly foreclosure price leaving balance as zero. 

See papers attached. 

Remove the writ of my properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: GA

Complaint narrative:
I had inquiries on my credit report XXXX removed them cant get any help from XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America placed my checking account in their account closure department and is holding my direct deposit from my employer. Each day that I call them there is a different timeline on when I will receive my funds. The risk department account team is rude, talk very fast and constantly change their responses depending on what questions may be asked. The responses and timelines are inconsistent depending on their mood and the day you call. They sound extremely stressed out. Yesterday, I was told to call back after my account and direct deposit were processed. Today I was told 2-3 business days I may be able to go into a branch and receive my funds. The key word is may. Bank of America will not set a definite date. Otherwise I can wait until after the account receives a closure date. and wait an additional 15 days to receive a cashiers check in the mail. On Friday - 4 business days ago I was told by customer service - good luck to you. Once the account is placed into the account closure department apparently it is up for review to receive an acutual account closure date. I would not recommend doing business with Bank of America. They are holding my direct deposit from my employers funds until further notice. When I asked if today, the day my request for my funds was made official on their end is 2-3 business days the representative quickly said, today does not count for a business day since the request was just made. She then Quickly threatened me and said do you want me to submit this request or would you prefer to wait and receive a cashiers check in 15 days after the account closure? I have never been treated so poorly by a company. I am hoping the CFPB can help me resolve this issue. Bank of Americas process of closing accounts is unfair and accounts that have large sums of money ( over XXXX ) should be handled differently.

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 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I contacted my mortgage servicer to set up bi-weekly payments, which as you know can save a lot of interest over the life of the loan. They refused to do so. They will only take full monthly payments and additional principal payments. This is HORRIBLY unfair to consumers. 

Mortgage Servicer : Dovenmuehle Mortgage Mail Stop XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
On XXXX XXXX, 2017 I went to Western Union to send money to a family member in XXXX for the urgent payment of school/exam fees. The intended recipient went to a location of Western Union in XXXX to collect the funds, but the payment was denied saying : " The payment was on hold ''. 

I immediately called Western Union from my home office and they requested to call me on the phone number that they had on file for me ; which I gave them the go ahead to do. Having called me ; all I was told is that Western Union has denied the transfer and that I will be refunded my money. I asked again for an explanation and the person I spoke to had nothing to say to me except that Western Union had denied transferring the money. 

Since I am a law abiding citizen of the United States, and that Western Union is accepting transactions from other resident aliens and citizens, I am of the opinion that I have been discriminated against. They have without any grounds refused to carry through with the service I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Affiliates Management Company
State: FL

Complaint narrative:
Penalized for paying off XX/XX/XXXX activity on XX/XX/XXXX! 

I have a XXXX card from XXXX XXXX which uses XXXX XXXX for credit card processing. When my monthly checking acct statement arrived on XX/XX/XXXX, I paid my XXXX bill in full. I was hit with a {$25.00} Late Fee and {$8.00} interest for paying TOO EARLY for XXXX. And, the card was frozen. This is 3rd time this has happened. Launch can not or will not get XXXX to desist and refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This issue started when I applied for the XXXX credit card as a promotion offer they mentioned to give 100 $ cash back when spend 1000 $ or more in the first three months. 
I did it and received the cash back bonus but in the mean while I have received so many letters saying that i would be given 250 $ when spend the 1000 $ as a welcome gift but when asked about it the XXXX guys opened an investigation and took almost 2-3 months saying that the issue will be resolved. But the customer representative when contacted keeps on disconnecting the chats and is trying to avoid the chat with me but when finally I asked for it they say that I was not eligible for it and when asked why?. They did n't give me any appropriate reason. This was so misleading by them that i was expecting the 250 $ cash back at some point of time. BUT THIS IS LIKE A KIND OF CHEATING OR FRAUD BY THE COMPANY. if I was not eligible for that offer then why the XXXX they should send me a tons of mails saying that i would get 250 as an offer. This is completely disgusting and they are not at all bothered about customers and their concerns. I am writing this only to make more people aware that not to fall in any kind of traps, frauds or misleading adds given by the XXXX.

Company response to consumer: Closed with monetary relief