vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: WLCC
State: FL

Complaint narrative:
This  XXXX  individual from  XXXX   XXXX   XXXX  keeps harassing me not only at my place of employment but he is now contacting my sister, my niece and nephew ( who are both   XXXX   XXXX   ) and have nothing to do with this. How did they obtain these numbers???? The constant back to back cals at my place of employment which can possibly jeopardize my job. I have made payment arrangements with them and have made several payments already. Due to unforseen circumstance, unfortunately because of financial reasons could not make the last payment which was scheduled for  X/XX/17   . I have already filed a complaint against the company however nothing has been done because they continue to harass me and my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My property was damaged in a storm on  X/XX/2017   . Bank of America required us to get them to endorse the insurance check, which is normal policy for most institutions. The endorsed insurance check, required contractor information, and insurance estimate were sent via overnight mail to B of A on  X/XX/2017    and an overnight return envelope with postage paid was provided for rush requests, per the instructions on their website. I have called on numerous occasions and I am always told that they are working on it. Today,  X/X/2017   , I was told that the " first {$20000.00} was released on  X/XX/2017    '' but that the remainder of the funds will not be released to us until they get my contractor set up as a vendor. The expected date for that is  X/XX/2017   .  <P/> As of today,  X/X/2017   , I still do n't have the funds that were supposedly released and once they are received, the paper check will require over a week to clear, even though I asked that they direct deposit the funds so I can get the repairs started. The delays in this process could be causing additional damage to my home, which will definitely cause unnecessary hardship for our family. Please let me know what can be done to get this process fixed. I have never seen an institution hold funds for this amount of time, when there is work on a property that has to be done.

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 2017-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This account is a charge off which means the balance is reporting incorrect. I have tried to dispute but it came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
For nearly all of 2017 thus far I have not been able to access my credit card statement for my Barclays ( Barclays Arrival+ card ) - I am signed up for electronic billing and I get emails letting me know my statement is ready but every time i try to access it from the site after logging in their website gives me this error : " We 're always updating our website which sometimes makes hotlinks out of date. Visit www.BarclaycardUS.com to locate our most current pages. '' I have messaged the company via the site and phoned in and have not gotten any resolution at all. I have the same problem in all internet browsers and on both XXXX and pc platforms. <P/>Not being able to view my statement means i have no way of seeing what portion of my bill is subject to what interest rate among other details I have the rights to see.

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 2017-06-05 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: IL

Complaint narrative:
I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, & (  XXXX  )  XXXX   XXXX   XXXX  accounts  XXXX  opened  XX/XX/XXXX  with a balance of {$40.00} each.

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 2017-06-05 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: IL

Complaint narrative:
I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, &  (   XXXX  )  XXXX   XXXX   XXXX  accounts  XXXX  opened  XX/XX/XXXX  with a balance of {$40.00} each.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
X/X/2017    i cant get on line with the dispute center of experian when i call them on  XXXX  number, 3 times on  X/X/2017    i was hung up mid way through call

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 2017-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
We closed  a Child 's Savings  account in  XX/XX/XXXX .  M & T c ontinued to charge the account.   My daughter and I went in together in  XX/XX/XXXX .   We are now receiving statements with a negative balance.   We seem unable to close this account even though we went in numerous times in an effort to do so.

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 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
The problem is chase bank, my bank. When I log in it always tells me that I am pre qualified for the chase unlimited card. I checked my credit report today and it shows a denial inquiry on my report that drop my credit  XXXX  points. I want this removed at once so I can make arrangements to take my money out of this bank. This is a clear case of false advertising.  Chase  also sends the same thing in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: IL

Complaint narrative:
I have disputed a collection on my Equifax report several occasions and have not gotten a resolution. I paid a collection from   XXXX   XXXX   XXXX   for {$240.00}  ( {$250.00} w/ fees ) o n  XXXX   XXXX ,  2016 . It is being reported on my Equifax report as being open and the full amount owed. I called  XXXX   XXXX   XXXX  and they report the account as closed and say that Equifax never contacted them in regards to the dispute I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
Repeated denials for  XXXX    XXXX   cash checking account. The reason are stating Chex systems has something blocking an approval for their checking account. Chex systems customer service has stated their is no derogatory information and that I have a clear report.  XXXX   XXXX  stated to apply again and denied again for the same reason Chex systems. My risk from  XXXX  to  XXXX  is  XXXX , nearly a perfect score?! So something does n't make since in this.

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 2017-06-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Associates Loan Servicing LLC
State: TN

Complaint narrative:
I requested to have a private student loan from  XXXX  /1st Associates Loan Servicing (    XXXX   ) in the amount of {$1700.00} in order to take a  XXXX   XXXX    XXXX   class ( course code :  XXXX  ) through  XXXX    XXXX    XXXX  College. I was enrolled in the course on  XX/XX/XXXX  and approved for the loan through  XXXX  /  1st Associates (   XXXX   )  on  XX/XX/XXXX . On  XX/XX/XXXX , a few days after being approved for the loan, I contacted  XXXX  / 1st Associates (  XXXX  ) and advised them that I decided not to take the course through  XXXX   XXXX  College and that I needed the course cancelled/dropped. I asked both the  XXXX  and 1st Associates (   XXXX   ) representative to cancel the loan I was approved for through them, being that I had no need for the loan because I cancelled/ dropped the course ( which I never took or started ). I was told by both the  XXXX  and  1st Associates  (  XXXX  ) representatives that the loan would be cancelled. As of today, the loan has not been cancelled as promised and they are reporting a delinquent status each month on my credit report. I have tried numerous times to get this issue resolved with  XXXX  and 1st  Associates (   XXXX   ),  but I keep getting the run around, both pointing the finger and referring me to the other. Neither has provided help in getting this debt removed from my credit report. Earlier this year around  XX/XX/XXXX , I spoke to  XXXX   XXXX , Collections Supervisor at  1st Associates Loan  Servicing about this issue. He told me that he see in their notes where I requested to have the loan cancelled, but he has done nothing to assist me in getting this debt cancelled and removed from my credit report. He keep referring me to  XXXX . I spoke to  XXXX   XXXX , Admissions Representative with  XXXX  as instructed by  XXXX   XXXX . I explained to  XXXX   XXXX  that I spoke to him in  XX/XX/XXXX  and asked to be dropped from the course and have the loan cancelled. He stated that he see in his notes where I made this request. During my conversation with  XXXX   XXXX  in  XX/XX/XXXX , I was told by  XXXX   XXXX  that  XXXX  do not handle or finance loans, this is handled by 1st Associates Loan Servicing. I really need help with getting this issue resolved and having this debt removed from my credit report. Neither  XXXX  or 1st Associates is willing to make right on this issue. It seems as if  XXXX  and  1st Associates is  operating under shady practices and they are fraudulently reporting incorrect information to my credit report each month and have refused to assist me in getting this resolved. I have recently tried to cont act 1st Associates Loan Servicing but th e phone number is no longer is service. I am not sure if they are out of business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: FL

Complaint narrative:
I used to have a bank account directly with the bank of America on  XXXX  CT, They put me under a suspicions fraud call ed black check list after I deposit a check from my husband that used to have an account with them also and it was n't the 1st time  I deposited a check of him in my account but this time they decide to cancel my account and put it under suspected fraud activity that has cost me lots of problems that I cant even open a bank account no more and currently I 'm trying to buy me a house and that has come across even after I notarized a letter with my husband present and took it to the bank of America where I had my account when all this deal happened saying that he gave me permission to cash that check in my account regardless off they still put me thru that list and sending back my husband check for the yearly taxes return, than I get a letter from   XXXX   XXXX   explaining to me that I was put under this black list for 10 years because of that even though I show them proof that my account was n't been used for fraud, last time in     XX/XX/XXXX   I sent a letter to bank of America to review my case and delete me off that list later on they reach me back saying that it Was n't possible for them to take me off the list never mention any reason of why I 'm on that list.

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 2017-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
The aforementioned credit collection agency representing  XXXX   XXXX  violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Spears, Dewitt & Hall Collection Services d oes not have any documentation, they need to retract this from my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: Coast to Coast Financial Solutions, Inc.
State: IL

Complaint narrative:
I have disputed a collection on my  XXXX  report several occasions and have not gotten a resolution. I paid a collection from  Coast to Cost for {$240.00} ( {$250.00} w/ fees ) on   XXXX   XXXX ,    2016. It is being reported on my   XXXX   report as being open and the full amount owed. I called Coast to Coast and th ey report the account as closed and say that  XXXX  never contacted them in regards to the dispute I filed.

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 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
on   XXXX   XXXX  2017    i recieved a letter from midland funding llc. about a credit debt thinking it was a scam i ignored it. went to apply for auto loan and was denied due to collections ( midland funding llc. ) I went on to the credit beauro 's sites and posted disputes not one but twice after midland funding refused to accept the fact i had disputed it as fraudulent i called them and they did not want to listen as i told them if was a fraudulent account and the bill was not mine far to say they said i would have to have proof well i filed with the federal trade commission identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 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: CO

Complaint narrative:
XXXX ( Synchrony Car Care ) Charge of {$1700.00} on acct. Interest {$280.00}. Charge of {$25.00}. Payments of {$1000.00}. Co. claims balance of {$1400.00}. CS and CEO office not helpful. Initial charge on XXXX XXXX, 2016 of {$1700.00} and {$1000.00} payments made. " Deferred interest '' added in for the amount of {$280.00}. Evidently another care of {$25.00}. Payments made online from personal bank account. I called CS this date to clarify and CS related they are unable to access payments but balance of {$1400.00} was correct and due. When asked to transfer to supervisor put on indefinite hold and never answered. Called office of CEO - receptionist referred back to CS general number claiming no alternative to contact accounting department. Called back - operator claimed CEO 's name not available to general public. Company trying to collect {$540.00} in excess of debt. My sense of the company when trying to resolve this was it is somewhat of a game for them and perhaps a business tactic to overcharge consumers. THE COMPANY OFFERS NO VIABLE MEANS OF RESOLVING COMPLAINTS ON THEIR WEBSITE, IN TELEPHONE CONTACT, ETC.

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 2017-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller, Stark, Klein and Associates
State: GA

Complaint narrative:
This illegal communication occurred toda y (    XXXX   XXXX    2017 ) . Other than the date, this complaint is identical to : Complaint number :  XXXX  submitted to CFPB :  XX/XX/2017    -- -- -- -- -- -- -- - Received a call on my mobile phone from a local number I did not recognize (  XXXX  ) and let it go to voicemail. The voicemail revealed it to be a " robocall '' and the transcript of that message is as follows : " This message is intended for  XXXX   XXXX   XXXX . [ sic ] I 'm calling regarding some pending complaints here that 's been filed in our offi ce. Press 1 now  to speak with a live agent or to contact our office at a more convenient time please dial  XXXX . Thank you in advance for your cooperation. '' According to information found online this number i s Miller Stark Klein & Associates  ( http : //millerstarkklein.com/ ), a debt collection firm. I have not had any business dealings with this firm. Further, I have no debt which could be legally collected. Their statement about " pending complaints '' seems to indicate a pending legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to NY State law, reporting agencies must remove paid charge-off accounts 5 years from the moment the account went first delinquent. Experian does not seem to comply with the NY ruling. Experian recognizes the DOFD and settlements instead of the charge off date and full payment.. <P/>Account # XXXX ( opened on XX/XX/XXXX ) was removed from XXXX and XXXX as per NY state law. Experian is still showing this negative item. <P/>XXXX ( opened on XX/XX/XXXX ) was removed from XXXX and XXXX as per NY state law. Experian is still showing this negative item. <P/><P/><P/>Experian needs to comply with NYS laws and not interpret their own ways of handling this.

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 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have just checked my credit report and I saw a debt collection from a company I do not owe any money to. They have never sent me any letters. They have not let me verified this debt. There was no communication from the debt collector. I have no contract at all with  Diversified Consultants Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: DISCOVER BANK
State: UT

Complaint narrative:
Repeated denials for Discover bank cash checking account. The reason are stating   XXXX   XXXX   has something blocking an approval for their checking account.   XXXX   XXXX   customer service has stated their is no derogatory information and that I have a clear report. DISCOVER BANK stated to apply again and denied again for the same reason   XXXX   XXXX  . My risk from  XXXX  to  XXXX  is  XXXX , nearly a perfect score?! So something does n't make since in this.

Company response to consumer: Closed with explanation