vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
BC SERVICES has, by mistake, put the utility debt of another tenant on my account increasing my balance from {$420.00} to {$2500.00}. As of  XXXX / XXXX / XXXX  I have had a past due balance with   XXXX   XXXX   XXXX    Utility Division for  account number  XXXX  in the /amount of  XXXX .  BC Services bega n collections shortly thereafter ; see attached invoice dated  XXXX / XXXX / XXXX  in the amount of {$360.00}. I moved to  XXXX  in  XXXX   XXXX , I did not have the ability to pay the past due balance and my utilities where managed by  XXXX   XXXX  until  XXXX  of  XXXX .   BC SERVICES has, by mistake, allocated the utility debt of another consumer on my account increasing my balance due from {$420.00} to {$2500.00}. I have provided documentation of my account history t o BC Services  XXXX   XXXX  via fax. I have requested a verification of the information from the original creditor . BC Services forwarde d an account ledger from   XXXX   XXXX   XXXX   with the correct balance due of {$360.00}. However  BC Services is still  attempting to collect a balance of {$2500.00} from me.

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 2017-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IN

Complaint narrative:
on   XXXX   XXXX  2017    I first spoke with customer service person once again I was not read any mini  XXXX . He was extremely rude and argumentative. in the background I hear d two other  women speaking about another account when I finally asked for a supervisor. He kept saying that I filled out the paperwork wrong when I try to explain that they 've been corrected he wanted to continue to argue with me. When I asked a supervisor they gave me a team lead. I wanted to speak with supervisor I was on hold for abou t five min utes never received a supervisor said I would speak with somebody higher up than the supervisor still was not given that courtesy to speak with supervisor. Did agreed to speak with the team lead. I was asking about the discretionary income clause that President Obama set up for Student Loan 's and was totally ignored they were still basing things on gross income and poverty level which had nothing to do with what I was applying and for was not helpful with me at all that perhaps maybe I was even filling out the wrong repayment option and finally offered me the forbearance for a year. I felt I had no choice but to apply for forbearance I wanted to pay on my student loan and continue making payments When I read their response my first complaint nobody told me anything about my application being approved or was given y amount of {$150.00} and matter fact i was told it would be more than I was currently set up with because of some overtime. I could not afford present payment. There is so much inconsistency as to what they 're doing that I feel that my loans and not being handled incorrectly. They are not helping. I am strongly considering hiring an attorney for these actions that have been taken b y Nelnet. I happ en to have a medical condition that I could easily try to apply for  disability  and perhaps even receive full disability I choose to work, I choose to pay my student loan back but these people were n't interested in that at all What they have chosen is to charge me more interest on this loan while during this forbearance. Because they would not even go over different options with me on repayment and discuss discretionary income which is very different than gross income which t hey did not seem to understand. I have contacted now nelnet in the last six week s twice and I 've been treated very rudely, not helpful, not company doing there job. At this point I would prefer to only speak with the supervisor and when I mean supervisor I do not mean a team lead an account  manager  or customer service person. I am looking into hiring an attorney to file lawsuit against nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I had a loan with NetCredit which was paid off on  XXXX  via a refinance of my mortgage. The payoff was by check and was overpaid by {$460.00}. I was told I had to wait 30 days for the check to clear before I could get the overpaid amount sent to me. I have called every day for a week now to no avail. When I ask to speak to a  XXXX  they wo n't let me. When I ask for the status of my refund they again tell me I have to wait 30 days from the date they received the payoff ( which was  XXXX   XXXX  ). Today is  XXXX   XXXX    XXXX   and it is still showing on my account as not being processed. At this point I think they should pay me interest on my money at the rate they charged me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I charged a pool renovation to my  American Expres  XXXX  card. The pool company charged {$2100.00} more than we had agreed. I tried in good faith to resolve this with the pool company with various emails but they slow in responding and finally unresponsive. I put this amount into dispute with  American Express . The pool company refunded {$730.00}, which left {$1400.00} still in dispute.  Amex  then wrote to me ( letter attached ) saying " we have no further recourse with this merchant due to the timeframe  XXXX  which we were contacted to open this billing investigation. '' Please note that the fraudulent nature of the charge is not in dispute - this claim was denied ONLY due to the timeframe in which it was opened.     I opened this dispute in  XXXX    XXXX  . However, I previously called  American Express  about this dispute on  XXXX   XXXX ,   XXXX  . There is still a note in the file that I called on this day and the call was recorded. On that call, I told the agent that I was still discussing this dispute with the merchant but I was concerned that the timeframe for putting the charge into dispute would expire. The agent told me that I SHOULD NOT BE CONCERNED ABOUT THIS, BECAUSE THE NATURE OF THE DISPUTE DID NOT SUBJECT IT TO A TIMEFRAME. She went on to tell me that I did not have to put it into dispute at that time. This can easily be verifie d - American Express  can provide the script of the call I made to them on  XXXX   XXXX ,   XXXX  .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
MIDLAND FUNDING LLC  XXXX   XXXX   XXXX   XX/XX/XXXX  Open {$1500.00} Account Details Last Reported  XX/XX/XXXX   Collection Agency  MIDLAND FUNDING LLC Original Creditor  01    XXXX   XXXX   Status Open Opened Date  XX/XX/XXXX  Closed Date -- Responsibility Individual Balance {$1500.00} High Balance {$1500.00} Remarks Placed for collection Creditor Contact Details MIDLAND FUNDING LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with  XXXX , please wait for your prior dispute request to be processed or contact  XXXX  directly.   See the details here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX   XXXX  Public Record Date Status Amount Legal Item Apr  XXXX ,   XXXX   Paid {$6900.00}  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Apr  XXXX ,   XXXX   Status Paid Amount {$6900.00} Classification Legal Item Type  XXXX  Contact Details  XXXX   XXXX  SESSION  XXXX   XXXX   XXXX   XXXX , TN  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with TransUnion, please wait for your prior dispute request to be processed or contact TransUnion directly.   See the details here  XXXX   XXXX   XXXX  on your credit report This debt is with  XXXX   XXXX   XXXX . I have included the doc number and phone number. This debt was never mine. It has been paid in full but still remains on my TransUnion report. You need to contact them at the number indicated above and have it completely removed as a public record. Thanks

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 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Three weeks ago I deposit  ed a check in branch. There was no immediate access to any of the funds ( not even {$100.00} ). The check was not deposited into my account until 7 days later.
No proper reason was given by Citibank.

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 2017-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
re ; Moss Law Firm , P.C .     XXXX   XXXX   XXXX   XXXX   XXXX   (  XXXX  )  XXXX , Texas  XXXX .   letter unsigned.     My original debt was with a " business '' credit card issued by   XXXX   XXXX   XXXX  , later merged into "   XXXX   (   XXXX   XXXX  ),  XXXX   who later merged into   XXXX   XXXX  ..     Allen Adkins & Assoc  . (   XXXX   XXXX   XXXX  , evidently now " Moss Law Firm , P.C . ) filed a judgement against me for an original   XXXX   XXXX   XXXX   credit card balance of approx. {$12000.00} from   XX/XX/XXXX   whe n my business    "   XXXX   XXXX   '' closed, I was a personal co-signer for the mastercard. After fees & penalties & 22 % interest over years they ballooned a new debt into {$31000.00} and offered a settlement of {$9700.00} or " make offer '' letter to my attorney   XXXX   XXXX  ,  XXXX   XXXX , after he spoke with them. I accepted and " In The   XXXX    Judicial District C  ourt of    XXXX  County  Texas '' obtained a Non-Execution Agreement No.  XXXX , dated   XXXX  , which was paid in  XXXX  installments ending   XX/XX/XXXX   with check #  XXXX  and closed due to  XXXX   XXXX  debt relief and a  XXXX  tax credit for approx. {$10000.00} filed with my  XXXX  personal tax returns.   Moss Law Firm , P.C . has now sent me a new letter dated  XX/XX/XXXX  attempting to re-open  (? ) a nd threatening legal action for   XXXX   XXXX  .   This debt has been paid and closed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
DITECH company has failed to pay my property taxes. However the mortgage statement showed that they used my escrow funds to wire the payment on  XXXX . I call ed  XXXX  times and sent them  XXXX  letters. They have given me  XXXX  different and contradictory re asons why the payment has not been posted by  XXXX   XXXX  property taxes. I had to paid the first half payment.      DITECH  also told me that my insurance company had billed them for homeowners insurance. This is a lied and my insurance company faxed them proof an dpayment of my home owner 's insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and noticed that I have   one   account in collections with   XXXX   XXXX  . I have no knowledge of ever obtaining this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: VA

Complaint narrative:
Please need more info on the debt and if i could submit my   XXXX   XXXX   XXXX   the the   XXXX   XXXX   , if c ould lower the amount at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and noticed that I have  XXXX  account in collections with  XXXX   XXXX   XXXX  . I have no knowledge of ever obtaining this debt.

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 2017-05-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and noticed that I have  one  account in collections with S  XXXX   XXXX  . I have no knowledge of ever obtaining this debt.

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 2017-05-05 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Open {$3300.00} Account Details Last Reported XXXX XXXX XXXX Collection Agency MIDLAND FUNDING LLC Original Creditor XXXX  XXXX XXXX Status Open Opened Date XXXX XXXX XXXX Closed Date -- Responsibility Individual Balance {$3300.00} High Balance {$3300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (  XXXX ) XXXX Since you currently have an open dispute request, you ca n't dispute any other errors through XXXX XXXX at this time. If you found new errors to dispute with XXXX, please wait for your prior dispute request to be processed or contact XXXX directly.

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

Complaint narrative:
01   XXXX   XXXX     XXXX   XXXX   XXXX   Open {$3300.00} Account Details Last Reported   XXXX   XXXX   XXXX   Collection Agency   XXXX   XXXX   XXXX   Original Creditor 01   XXXX   XXXX   Status Open Opened Date   XXXX   XXXX   XXXX   Closed Date -- Responsibility Individual Balance {$3300.00} High Balance {$3300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX       XXXX   XXXX  , CA   XXXX     XXXX   XXXX   XXXX   XXXX   Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with  XXXX , please wait for your prior dispute request to be processed or contact  XXXX  directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Upon reading Citi Bank 's response letter sent to me yesterday I collected from it very little acknowledgement and still no understanding of the series of concerns and questions I have been reporting to them. Nothing at all was mentioned regarding the following, the fraud that took place at the same time as my credit increase request. Not even an explanation as to why I received numerous letters from Citi Bank to contact them regarding my credit increase, then when I contacted the phone number referenced on their letter no one at all helped or directed me to the correct direction. Furthermore, the many supervisors I spoke to who said they reviewed my concern regarding the discrepancy of my credit limit increase assuring me that it will be fixed and granted and noted on my account for the credit analysts. Moreover, calling customer service numerous times ( more than 15 times ) and not a single representative was able to accurately assist and resolve my concern. Finally, a reason and correction as to why did the customer representatives upon calling continuously requested a credit increase which lead to credit inquiries on my credit file was done to begin with and most importantly without my authorization or consent. To summarize I strongly feel that my report to Citi Bank to this date has been reviewed poorly and not in any way considered fairly and in goodwill. I am still expecting a more thorough review and a reasonable response with either it has been corrected or even not and a detailed response as to why it can not be corrected. I was told by XXXX at Citi Bank whom I have spoken to two times for a very short period that she was going to review the recorded calls. I still want to know in addition to my other questions above that if she reviewed the calls them why her response to me in no way solved any of my concerns? I can assure you that if in fact the calls were reviewed she or whomever will hear all that took place and how I was treated and misguided.

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 2017-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Started process on  XXXX / XXXX /  XXXX  .   Denied HELOC renewal. Self employed  XXXX .    Credit Score  :  XXXX  -  XXXX  percentile, {$850000.00} in The liquid assets. Balance on HELOC {$52000.00}.  Home Value  : {$220000.00}. Second home value {$160000.00}, equity {$100000.00}.   All bills paid by occupant, land contract in place.   Implied I file false tax returns and mortgage application.   " We can not verify where your business deposits come from. '' " What would I do if the IRS audited my tax returns. '' These quotes were made by  XXXX   XXXX . Refused to let me talk to underwriting. Complained to the office of  XXXX   XXXX . She refused to look into my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I Multiple times I Tried to fix the Problem Whit Chase but no Answer. Only I got Was A Copy of The XXXX The IRS Is Awear Of Chase Filing.Account Details Last Reported XX/XX/XXXX Creditor Name CHASE CARD Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$3500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$3900.00} Highest Balance {$3900.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$3900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor ... and is Inaccurate Information in The reporting..in Violation Of FCRA, TCPA And Others Federal Regulations ... And Violation Of My America XXXX  Act Rights by not offering any Acomodation..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX   XXXX   XXXX    CFPB : JPMChase, in a letter dated   XXXX   XXXX   XXXX  ,  XXXX   XXXX , mentions "  XXXX   XXXX  '', without explanation. Any documents that I  XXXX  have had concerning "   XXXX   XXXX   '' were stolen by JPMChase  Contractor  "  XXXX  '',  XXXX   XXXX ,  XXXX .   I demand that JPMChase return to me my documents concerning "  XXXX   XXXX  '' that "  XXXX  '' stole from me.   I demand that JPMChase, furthermore, provide me detailed information about "   XXXX   XXXX   '', including, but not limited to, authorization for the existence of "   XXXX   XXXX   '', full legal names, contact information, position titles, pay grades and salaries of "   XXXX   XXXX   '' employees and any and all special mechanisms for complaining against "   XXXX   XXXX   ''.      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation