vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying to correct my Bank of America Preferred Rewards balance since XX/XX/XXXX of last year. On five different occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX starting with the local branch manager ) I contacted Bank of America or XXXX XXXX  regarding the 3-month average combined balance which does not reflect what is posted in all accounts. This is important because I plan to reduce the amount in my bank accounts which will place me in a lower tier or possibly out of the Preferred Rewards program. However, if the proper amount was disclosed I would easily qualify for Platinum Honors after withdrawing from my accounts. 

I received an email last year stating that I had been upgraded to the top tier in the program-see attached email. OnXX/XX/XXXX I contacted the Rewards group again explaining the tier was not in question but the combined balance was the problem. The program representative I spoke with created a case number, # XXXX. He verified my contact information and assured me I would be contacted by XX/XX/XXXX. Today is XX/XX/XXXX and I have not heard from anyone. 

The Bank of America accounts ( checking, money market, CD ) and the XXXX XXXX/XXXX XXXX account ( several stocks ) have been linked. Currently the sum of all accounts is approximately four times what is documented in the Rewards program substantially above the top tier. It appears that combining the banking and investment amounts is not in the equation. This is disconcerting because the bank is going to start a monthly maintenance fee for checking accounts if the rewards balance is not met. 

Bank of America 's apathy in the matter considering what I have on account is insulting. Any help in resolving this issue would be appreciated. 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 2018-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Long & Foster Financial Services, Inc.
State: TN

Complaint narrative:
I am the seller of a home. The buyers did not qualify because of debt ratio on the day we were suppose to close. This process took 45 days. The loan officer missed ordering the appraisal and the buyers went over the required response after the home inspection of 5 days to counter. 

The buyers were pre-approved for XXXX. The sale of the house was XXXX. The loan officer updated an pre-approval letter to satisfy the contract. Now, the loan officer is saying that buyers lost their only income stream. The denial letter states Insufficient income, but in an email, she said they LOST their only source of income. Which would be Unable to verify employment ( if they lost their job ) OR, they were never qualified to begin with. Which means she didn't do her job correctly.

There has to be something that protects sellers for buyers remorse and people easily backing out of a contract and receiving their earnest money back, by simply calling and saying I lost my job, or can you get me out of this deal to the loan officer. My house is in a popular area and was taken off the market for 45 days and had multiple offers turned down do to the contract.

This defeats the whole purpose of earnest money!

Also, I had a contract on house with contingency to closing on my house. Which, I may lose!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Hello! my name is XXXX XXXX. and i would like to file and complaint unlawful act. I have try speaking to this company in regarding this matter to get this resolved the company name is quick loan mortgage and as rocket loans neither of these company. I haven't try to apply for any type of loan speaking with this this matter has became and big issue than it should never even contact me no kind of way about this manner. i did some research and found this information on my own trying to get this dispute because i have no acknowledgement of these inquiry i decide to turn to your company for help to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. XXXX XXXX XXXX IS NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
After checking my credit report, I noticed XXXX XXXX has resubmitted an account that was removed from my credit report due to identity theft.

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 2018-02-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi I sent certified letters to all three credit bureaus with in the last three months and have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 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:
Hi I sent certified letters to all three credit bureaus with in the last three months and have not received a response.

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 2018-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
I am writing to you in reference to the company Afni, INC. My credit report says that I have an account with them that was opened XX/XX/2016. I have never opened an account with the company. The account number they have on file is XXXX. The account is not mine. I have tried numerous times to dispute this account with the credit bureaus and they will not take it off of my credit report because the company is still falsely reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kivell, Rayment and Francis, P.C.
State: TX

Complaint narrative:
We are contacting your agency in regards to multiple calls by what we call robocallers which is like persons in order to obtain personal information such as social security number, birth date account information and collection accounts that do not exist on our credit report. 
Obtaining information such as financial information posing as IRS agents and sending out false documentation in order to fraudulently remove are IRS refund checks. 
Posing and contacting as persons offering jobs or Services needing Social Security numbers, birth dates, name and address same organized group of criminals posing threats to Identity, data breaches and Financial obstruction of justice.

We are requesting that our phone number be placed on the Do Not Call registry for three consecutive years and that a renewal be submitted to us upon expiration Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC
State: MO

Complaint narrative:
Received a call from Forward Recovery Movement claiming I owed a debt to PAYDAY LOAN for {$500.00}. Asked for number or address to send letter of validation request. Told no need he could request for me. Received letter of verification in the mail today onXX/XX/XXXX18. The letter was datedXX/XX/XXXX but postmarked untilXX/XX/2018. Called to request phone number again to send letter of validation was told I had already received. I stated not then is to validate my debt as I do not believe I owe. Was told it was not their responsibility to help me settle my affairs and I had the information. I explained it did not have even contact information for the creditor. Sent formal letter of validation today to address on letter received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: CA

Complaint narrative:
Yes, I am a victim of a mistake by XXXX XXXX XXXX XXXX. They made a mistake on my case by explaining how their arrears dates work. I was under the clear impression that I was only one month behind on Child Support because I made my payment on XX/XX/2018. However, it was never explained to me that if the payment does not get into their system by the first of the month, it automatically goes into arrears! 
It takes my XXXX XXXX autopay about 4-5 days to go through their system. They went ahead rudely and illegally submitted my case to collections which hit my credit report- lowering it and causing a huge problem now with getting the collection off. I immediately called them and put thebalance on my credit card and paid them up in full but now I have a mistake on my credit report! I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed

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 2018-02-20 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: HW Holding, Inc
State: TX

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. Hunter Warfield INC IS NOT MY ACCOUNT

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/2016 I received an unsolicited call from XXXX XXXX XXXX XXXX, for a website and an online store, I was told they could get this running in 2 weeks and making money in 3 weeks. 
According to the contract I signed I was supposed to receive the following services : A custom Website ; Business Entity Setup ( which they said was key for advertising ) ; Social Media Marketing Setup ( allowing customers to be linked and connected to my site ). 
But soon after I paid them {$7500.00} I never heard from them again. This is the reason I am filing this complaint, even though I called several times tried to get my money back and told them how I was not pleased by the way they were handling things, but they showed no remorse for what they were doing and completely ignored and refused my requests. I have been defrauded and seriously taken advantage of from another telemarking company offering nothing but lies and deceit! They did not provide what I was supposed to receive, and they knowingly did this! 
Please help me get my money back from these conn artist,  I know the FTC is cracking down on many companies such as these for selling deceptive work at home schemes, who have taken millions from consumers. 
Thank you in advance for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am being bullied and forced into foreclosure or bankruptcy by Chase.I qualify to assume my deceased mothers mortgage which I have paid on time since XXXX, but they will not modify the loan, even though I have been accepted into Chase Banks Assumption and Modification program. 
I need to use XXXX in equity out of the XXXX in equity existing in the property and extend the repayment. Without this modification its going to force me to bankruptcy or foreclosure even though as I said, I have the ability to repay my debts if they would modify the loan. 
Since XXXX I don't qualify for a mortgage anymore even though I am current, have a XXXX credit score and pay {$970.00} per month currently under my deceased moms name. That payment is based on XXXX, financed in her name in XXXX. 
Now I owe XXXX on a house worth as high as XXXX per their own value assessment. In reality its worth XXXX, that's XXXX in equity. I want to use XXXX XXXX of my own equity, add it to the XXXX owed, and make payments on XXXX for 30 years at 4 %, which is XXXX XXXX  monthly, plus my taxes etc. of XXXX XXXX  monthly, or {$970.00} per month, all creditors paid off, still their customer, raise my XXXXredit score and remove {$750.00} of MINIMUM payments per month now, the thing forcing me into bankruptcy/foreclosure. I can't afford the mortgage payment AND the minimum card payments, why can't I use my own equity to solve this problem and avoid bankruptcy! Its win win for XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I told two callers, who call me at work ( they found my work number after I filed my income tax return in 2015 ), not to call me at work. I sent a letter to their Office of the Customer Advocate, but they still keep calling me at work but now it is with automated messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is in reference to consumer Financial protection Bureau # XXXX XXXX. XXXX XXXX XXXX responded in XXXX that this account was placed on the credit report in error. I have contacted XXXX and all 3 credit bureaus. XXXX and XXXX has updated their files. Equifax has not. The account is still showing. I contacted XXXX they're short me that they had sent an electronic email to all 3 bureaus. I contacted Equifax and Equifax told me they had not received anything. I'm getting the runaround. Please have Equifax delete the account as requested by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has refused to block the fraudulent accounts listed in the police report. They continually investigate and are dragging the process on. I have sent them copies of my ID, police report, Identity theft affidavit supporting my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/18, XXXX XXXX XXXX tried to validate a debt I am disputing ownership of by sending me a copy of a contract. I do not agree with and have reason to believe I do not owe this debt because the contract provided has someone elses name and address on it. The contract says its with XXXX not Exeter and I have never owned the vehicles listed on the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXX XXXX XXXX of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE

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 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: IL

Complaint narrative:
My credit report is currently showing a debt owed in the amount of {$270.00} to AFNI collections for a XXXX account. This debt has been paid in full. This debt was paid on XXXX XXXX. I am requesting that this debt be removed from my credit. Please find the XXXX account details below. 

Account Name : XXXX XXXX Account Number : XXXX Service Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Close Date ( on record ) : XX/XX/2015 Balance Owed : {$270.00} I had my XXXX XXXX, at XXXX XXXX XXXX, disconnect on XX/XX/2015 because my lease was up and I was vacating the apartment unit. 

I relocated to Utah shortly after. I committed to a lease ( please see lease attached ) and moved into a new home, located at XXXX XXXX XXXX XXXX, XX/XX/2015. 

To sign up for new cable service in XXXX, with XXXX, I went into the local XXXX store. It was there that a XXXX representative informed me that in order to begin new cable service at my XXXX XXXX, I would need to satisfy a past due balance in the amount of {$270.00}. I paid the {$270.00} in full, in the store and began my new service. 

This debt has been paid in full.

Company response to consumer: Closed with explanation