vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Saturday  XXXX   XXXX    XXXX   I received a check for {$2500.00} from  XXXX  of the largest  XXXX  financial services companies in the United States. I took it to my local branch of Bank of America and asked the teller if there was a way that I could access {$700.00} dollars from the check that day. The Bank  Manager ca me out and said that I could take the check to   XXXX   XXXX   XXXX   and cash it and bring the cash back and I would have access to the full {$2500.00} that day. I went to a nearby   XXXX   XXXX    XXXX   showed identification. They said that there was a hold on the check and needed to call the   XXXX    company. After about  40  minutes I spoke to an assistant in the Bank and asked what was happening. The  manager of   XXXX   XXXX   came out and said that they could not c ash the check and I needed to call the   XXXX   account to receive the funds sooner than  XXXX   XXXX  but that the check would be cleared on  XXXX   XXXX . I went back to Bank of America and the  manager s aid that they would need to call the Financial services company to clear the check on Monday  XXXX   XXXX . I noticed on  XXXX   XXXX  that the check had not yet cleared so I reviewed my account online. There was a note on the transaction. "  Deposit Hol d {$2200.00}  Total Amount d elayed available  XXXX  at  XXXX  PT. '' I called the financial services company. They said that they had not placed any special hold on the check. The help person there said he had never in his career heard of a bank putting a  2 w eek hold on  XXXX  of their checks and he suggested doing a  XXXX  way conference call with them.They said that the hold was placed by Bank of America. I called the Bank of America help line and was told that the  2  week hold was placed on the check by Bank of America as punishment because my Account had been overdrawn by about {$250.00} when I deposited the check. Bank of America has been for several months been holding my funds for more than a week when I receive payments through my online web site I believe in order to create bank charges which have amounted to hundreds of dollars.

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 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: VA

Complaint narrative:
XXXX   XXXX  while I was in my   XXXX   XXXX   XXXX   XXXX  l I had to go to the hospital to get some   XXXX   XXXX   done for my  XXXX . My dad had paid all dues and bills and there was no issue. On the mistake of   XXXX   XXXX   themselves they charged my me with the bill of {$190.00} that had been paid, being in   XXXX   I  didnt know what a credit report was so I never checked it. Later in  XXXX  after I had entered the military it  was found that I had a collection from   XXXX   XXXX   in NY for {$190.00} still. My dad and I both called and the issue was fixed and the balance was cleared up and they sent letters to the TEK-COLLECT to close the collections account.  XXXX  at  TEK COLLECT said he m ailed letters to the credit companies saying it was cleared up. It never was till I called him months later, this time only   XXXX   was fixed. Here I am now almost 3 years later and I was just denied from a   XXXX   XXXX   on behalf of the companies not doing their  XXXX  job.  XXXX  did not send out the letters apparently to  XXXX  or  XXXX . Today I called  XXXX  and spoke to their rep and she said they mailed letters and would send some out today as well  XXXX / XXXX / XXXX . She assured me it was fixed on their end. So  XXXX  at  TEK COLLECT possibly have  ruined my career because of them being incompetent in their job.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 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: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB Management Services is incorrectly reporting a closed account as open as a negative collection on my  XX/XX/XXXX  and   XXXX   XXXX   credit report. This account was included in my chapter  XXXX  bankruptcy which was discharged i n  XXXX / XXXX /   2017. Th ey should not be constantly reporting negatively on my report. I filed a dispute with   XXXX   XXXX   on  XXXX / XXXX  /2017.  Who stated that the company would not cooperate with. I feel that this is unfair reporting on this companies part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Chase  mortgage is trying to foreclose on my house stating that I was behind on my payments. Which I wa s one or two pay ments behind but they are saying I was 6 months behind. I looked back through all my mortgage statements and I ca n't really make sense of them. I do n't believe they posted all the payments I made to my account and I have proof of payment plus I have proof from my bank they cashed the cashiers check they required me to send. On my year end  XXXX  statement Chase took the whole years worth of payments and instead of deducting my principal by that amount they added the amount I paid to the principal. I bought my house in  XXXX  and by the year  XXXX  after five years of payments I owed as much as I bought my house for. I need someone to please help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
ConvergentUS did not address my previous compliant. this compliant is being sent in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,  XXXX  5 USC 1692g Sec. 809 ( 8 )  This is NOT a request for verification or proof of my mailing address, but a request for  VALIDATION  made pursuant to the above named  Title and Section. I respectfully request your offi ces provide me with competent evidence that I have any legal obligation to pay you.     . Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request in a timely manner. all of the references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 2017-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX   XXXX ,   XXXX   sent  7 pages of documentation to Synchrony Bank Creditor concerning 'Denial of Credit Card due to " Credit B ureau Report is NOT Accessible '. I requested from Synchrony best timing for me to 'temporarily remove the freeze on my   XXXX    cr edit bureau files ' -- which I 'm guessing was the reason for Credit Bureau Report  is  NOT Accessible '.      XXXX   XXXX ,   XXXX   receive an 'form letter ' response a 'standard ' letter that clearly indicated no one had even looked at the information I had sent ; but at least there was a phone number  XXXX  if I had more questions. Seeing my question had n't even been addressed at all in the 'standard ' letter Synchrony Bank had sent, at least I could talk to a real person. When a  XXXX  assumption of my part. That number leads to : " You just won a  XXXX  cruise, you just won a {$20.00} Visa card, you just won a  XXXX  ... ... Do n't say 'YES ( i.e., do n't hit #  XXXX  ) ' to select anything you just won and you are disconnected. Call same number back and " that phone number is not available in your area ''. ( The exact same phone number just called and the number provided by Synchrony Bank Customer Service Department.  XXXX  Bottom of their letter with 'bad ' phone number has #  XXXX ,  XXXX   XXXX   Guess  that is their code for 'sucker '!!!  Does  Amazon know what shysters they are dealing with?

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 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
On   XXXX     debt collector called, when I returned the call the I requested written documentation. She stated it had been sent when I informed her I did not have that she told me she does not have to send it out. Spoke to supervisor who told me that since it had not been returned they automatically assume the document has been received. When I requested another copy sent because I have not received it the supervisor informed me they do not have to send another one and that o can go to a branch to pay what is owed. I informed him that I live  XXXX  hours and would like documentation that I will have the ability to show the debt has been paid and he stated they do have to send anything once it 's already been sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon being denied from a lender for " too many inquires '' on my credit reports, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on credit reports that I DID NOT authorize and had no knowledge of. I contacted the credit bureaus immediately and was being given no resolution. I also tried putting a fraud alert on mt account which should ensure this issue is n't a re-occurrence. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     I have attached Inquires listed on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: NC

Complaint narrative:
Upon being denied from a lender for " too many inquires '' on my credit reports, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on credit reports that I DID NOT authorize and had no knowledge of. I contacted the credit bureaus immediately and was being given no resolution. I also tried putting a fraud alert on mt account which should ensure this issue is n't a re-occurrence. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     I have attached Inquires listed on my report that I did not authorize.

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 2017-05-03 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: PR

Complaint narrative:
XXXX  {$120.00}  XXXX   XXXX  Is an account that is not mines.

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 2017-05-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I have had my mortgage loan with PennyMac since  XXXX  or  XXXX   XXXX  ( after transferred from the originating loan company  ) and know about calls when accounts are past due. On several occasions I requested no calls to my w ork and not to call my cell phone unless my account is over 30 days past due. I had been receiving calls on my cell phone and on approximately  XXXX   XXXX ,  XXXX , I received a call from a representative and advised that I had requested no calls on my cell phone and there are no other numbers to call me on ( including my work number ). I received an email forwarded between two departments at my job on  XXXX   XXXX ,  XXXX , stating, " For your handling. '' The forwarded email was from a voicemail left stating this was in reference to my home loan. The attachment is only the screen shot of how the voicemail was transcribed. The voicemail is from an actual person, not a recording. The voicemail was attached in the original email.     I have repeatedly told several reps on different occasions not to call me at work and I received this forwarded message and voicemail. My application with the company has my direct extension for messages such as this. I believe this violates FDCPA with third-party disclosure since the message was in reference to my home loan and not left on my direct voicemail, that identifies me by first and last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armada Corp.
State: WA

Complaint narrative:
This is a medical bill from my ex husband. When this bill was made, we had been divorced a year. This has nothing to do with me and I have repeatedly told  XXXX  this. It has been since  2007  and I want it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DE

Complaint narrative:
Payment was made to previous loan servicer by mistake. A payment of {$1600.00} was electronically made  to Loancare  and should have been made to   XXXX   XXXX       The loan servicing was transferred to  XXXX  on  XX/XX/XXXX . The payment was sent from  XXXX  (  XXXX   XXXX   XXXX   XXXX   of  Maryland  )  Loan #  XXXX . Amount {$1600.00}  1.  I realized I made a mistake a called Loancare on  XX/XX/XXXX  2. Emailed Documentation of mistake  XX/XX/XXXX  3. Called to inquire on status  XX/XX/XXXX  -Told me that someone would call from cash office by Wednesday - NO CALL  4.  Called  XX/XX/XXXX  (  59 minu tes on phone e ) r epresentative spent time researched documentation and making sure cash office had information and details.    5. C alled  XX/XX/XXXX  explained problem and (   XXXX   XXXX    )  told me that she would call me back that day - NO CALL 6. Called  XX/XX/XXXX  told that that I was very upset because no one would check on the status of this issue. Representative said she we have the cash office call me. then hung up!     This is a lot of money to me I am concerned that  may  not have enough money to pay my mortgage this month.

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 2017-05-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA
State: NE

Complaint narrative:
I applied for a student loan through  XXXX   XXXX   XXXX  back in  XXXX  and I placed specific stipulations on the loan. I requested the student pay interest during school, I asked to be notified if the loan goes delinquent and I ask the loan be denied if   XXXX   XXXX   XXXX   XXXX  does not agree to the terms.  XXXX   XXXX   XXXX  removed my stipulations from the documentation and forged my signature to push the loan through. In  XXXX  I applied for a car loan and  American Education Services  came up on my negative credit category for a delinquent loan. I was never notified about the loan not being paid. I have been calling and writing  XXXX  merican Education Services ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , and National Collegiate Trust to get my name removed since I did not agree to or sign for the loan in question. They continue to effect my credit in a negative manner and have refused to address the issue. I filled out a fraud packet in  XXXX  and sent it in but they returned it saying they did not accept the information I entered and that I did not complete the packet to their satisfaction. They have since requested me to fill out another fraud packet but I believe they are only trying to waist time and gather my current contact information. I can not fill out another fraud packet knowing they refused the first one. I have spent 11 years and over 200 hours on the phone trying to get someone to address the matter. I am still in touch daily with AES and can not get in touch with NCT. I have looked in to hiring a lawyer but I was told since it is a government office ti would cost more in fees then the loan. I am looking into a class action  suite and h ave not ruled that possibility out but I need something done to resolve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA

Complaint narrative:
Altisource used its cozy relationship with pretender lender loan servicer  XXXX   XXXX   XXXX  as a weapon, using fraudulent trustee sale taking place in just days as a weapon to force me into only  XXXX  option to save my home from fraudulent trustee sale taking place in just days.  Altisource  illegally attempted to seize my home, using ocwen fraudulent records fraudulent documents fraudulent information fraudulent phony  XXXX  file fraudulent loan balances fraudulent past due payments. When my incompetent lawyer  TROs  was denied because my incompetent lawyer did n't serve all the defendants and follow the rules of the court, Ocwen then threatened me increasing the {$660000.00} loan modification to a none negotiable {$750000.00} modification using fraudulent documents fraudulent payment history fraudulent records fraudulent phony  XXXX  file fraudulent principal balances, threatening me that if I did n't sign the pretender lender loan servicers increased none negotiable loan modification settlement in  XXXX  hours  XXXX  and  Altisource  will proceed with the fraudulent trustee sale taking place in just days. I was forced to sign the pretender lender loan servicers increased none negotiable loan modification to avoid fraudulent Altisource trustee sale and I would I lost my home forever. I have filed multiple consumer complaints.  XXXX  robo-starr continues to cover up its fraudulent fronts and totally ignores all my complaints, and  XXXX   XXXX  continues to threaten me with foreclosure.

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 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Seben Hospitality Investments LLC
State: CA

Complaint narrative:
Hello, I have recently made payment arrangements to this company who promised to get me immediate student loan debt relief and have a monthly payment fee of {$0.00}. Before any further action is taken, I have been asked to pay high fees in advance of {$200.00} a month for 5 months. Out of desperation I agreed because this was a referral from a friend of ours and I really needed help dealing with my student loans.   The company I am talking about is Helping Hand Consultants :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , California,  XXXX  ;  XXXX   XXXX   XXXX . They ma naged to get direct access and control my Federal Student AID a ccount, while sending all my information to  XXXX  in which I was completely unaware of.    XXXX  is currently being sued by the CFPB for illegally cheating borrowers, and right now they constantly send me letters asking for payments on my federal student loans. I refuse to make payments through a loan servicer accused of illegal activities.   After doing research through the department of education, I realized that all the actions this company has been doing supposedly on my behalf can be done for free. Applying for student loan forgiveness and getting my student loans consolidated should have been free using  ED 's  free resources.   Helping Hand Consultants have been giving me lots of mixed answers to my question. I requested copies of documents that show proof of the new monthly payments for my student loans, but never received them. Eventually, I have been told by a different agent there that all my paperwork are to be received from  XXXX  from now on.   Please advise as to what I must do to resolve this issue.

Company response to consumer: Closed with explanation