vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX  to ask NMAC ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that these 2 unauthorized inquiries that are associated with NMAC ( Nissan Motor Acceptance Corporation ) are still currently reporting on my XXXX credit file. Moreover, on XX/XX/XXXX, NMAC has sent me a written letter in which they responded to my CFPB complaint. This NMAC letter, which is also uploaded into this CFPB complaint file, has shown that NMAC is unwilling to take the appropriate actions that are necessary to promptly resolve my recent CFPB complaint. This letter has also shown that NMAC has ultimately decided to NOT take any responsibility for their improper actions and has therefore chosen to dishonestly place the blame on an " unknown '' or " phantom '' Nissan dealership yet my credit report clearly shows that this NMAC organization is the " only '' agency that is fraudulently reporting 2 inquiries on my credit file which are on the 2 dates of  XX/XX/XXXX and XX/XX/XXXX. Ultimately, an uploaded copy of my XXXX credit report will corroborate this fact and it will also show that NMAC is " complicit '' in their corrupt and unlawful tampering of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I Called and made a dispute on the account about some transactions I did not authorize by me or anyone. so I called the XXXX- number and filed the dispute like its have to be filed and I got a response back saying my account is being close for no reason I asked to speak to a manager and they did not give me the correct answer saying WHY they are closing my account. I had open the account up and had the account open for 6-months and on the 7 month they close my account for some disputed I filed. also my account number was stolen and someone was using my ACH to take money out my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services
State: CA

Complaint narrative:
The interest rate and charges are WAY to high, I have been paying my loan for years, 8 to be exact and it has not even put a dent in my balance. I am getting no where on this, and don't see the light at the end of the tunnel, I am very frustrated. Please help me! Also, not to mention, this is the 3rd time the loan company has switched or transferred names.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: UT

Complaint narrative:
Having recently moved back to the United States, I decied to check my credit reports as I had been out of the country for almost 2 years. While it's in the 700 's, I do have 3 collection accounts which I am trying to resolve.

I called ERC to discuss what the account was for and why the dates on my report are wrong as I had not even been in the US for 2 years. After researching how to respond in writing for verification and

possible settlement, they did not respond in writing within the 15-30 days of me sending a certified letter. I did receive the returned receipt which was signed. Also, I learned that ERC has had 100 's of complaints about how they do not respond in writing, try to get bank account information over the phone, report an old or non-existant debt and then when settled or even paid in full, they do not take it off your credit report. I found out that even if you pay the original creditor in full that ERC will still try to collect and file negative reports to the credit bureau. This leaves me with no desire to pay them anything as it will have slim to no chance of improving my score. Honestly, with all the complaints that have been published, how they are not shut down is a complete mystery to me and many others??? They are obviously in violation of many rules that were created to protect the consumers from the situations I have described. It seems that we have no recourse even if we follow every step reccommended by the CFPB. Please advise if you have anything new to deal with these unfair and unlawful tactics. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: NC

Complaint narrative:
I had a XXXX XXXX XXXX account that become delinquent and then charge off for XXXX. On XX/XX/XXXX, I paid the full balance and closed this account with XXXX XXXX XXXX. XXXX  XXXX XXXX updated the balance to paid with a XXXX balance on XXXX and XXXX. Equifax did not update the balance to reflect this change so I sent a dispute to Equifax. On XX/XX/XXXX, I received an alert from XXXX monitoring that showed the investigation was completed and the account was verified and reported a delinquent status for the balance that I have already paid. I then tried to initiate a dispute online but the system will not allow me to. I have attached a check showing that the amount was paid and debited out of my checking account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX is the phone number that is calling. They have left several threatening voice mails on XX/XX/XXXX and XX/XX/XXXX claiming that I would be arrested if I did not pay. They have also contacted my father, claiming to be a company that I applied for a job with and that his was the number I have them when I applied for the job. I have never applied for a job with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received multiple overdraft and return fees when the bank accepted automated transactions that I clearly did not have the funds for, instead of stopping them from going through. Now I'm penalized because Bank of America doesn't know how to say " no ''. 

XX/XX/XXXX- original balance {$1100.00} rent transactions {$920.00}, {$450.00}, {$1.00} = - {$260.00} overdraft fees {$35.00}, {$35.00} = - {$330.00} XX/XX/XXXX XXXX transaction {$11.00} = - {$340.00} overdraft fee {$35.00} = - {$380.00} maintenance fee {$12.00} = - {$390.00} XX/XX/XXXX- XXXX deposit {$46.00} = - {$340.00} XX/XX/XXXX XXXX  transaction {$130.00} = - {$480.00} XXXX transaction {$9.00} = - {$490.00} return fees {$35.00}, {$35.00} = - {$560.00} XX/XX/XXXX- XXXX return {$130.00} = - {$420.00} XXXX return {$9.00} = - {$410.00} XX/XX/XXXX XXXX transaction {$130.00} = - {$550.00} return fee {$35.00} = - {$580.00} XX/XX/XXXX XXXX return {$130.00} = - {$450.00} XXXX  transaction {$9.00} = - {$460.00} return fee {$35.00} = - {$490.00} XX/XX/XXXX- XXXX return {$9.00} = - {$480.00} XX/XX/XXXX- fee refund = - {$410.00}

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 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
All transaction from XX/XX/XXXX to XX/XX/XXXX were unauthorized, except for a TELLER withdrawal, {$920.00} XX/XX/XXXX, a TELLER deposit, {$570.00} XX/XX/XXXX, a XXXX Payment, {$190.00} XX/XX/XXXX,  and a XXXX payment, {$30.00} XX/XX/XXXX. I have lost my wallet at either XXXX or XXXX. I`ve filed a dispute twice. The last time with a police report. There was a XXXX transfer that I was refunded for that caused my account to go into overdraft. PNC closed my account. I was told that my disputes were denied because they say that I gave my PIN number out. Why in the XXXX would I give someone my PIN number? I have taken days off of work to try to get this resolved. Over {$2000.00} in charges and nobody can help me. I was told that I would receive a call back by Monday and nothing. I have left multiple messages with the XXXX and I received no call back. Now since my account is closed I can't open a new dispute. This is XXXX! A customer service representative that actually tried to help me out of more then 20 people was going to resubmit the claim, but first wanted to find out what additional information that I could provide to get my claim approved and no one knows. After some research this is not a valid reason and I was told to contact a federal agency. Can someone please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
ALLY was included in a Chapter XXXX and discharged. They continue to report Profit/Loss on my credit report with a {$11000.00} balance. They have been contacted numerous times, the latest from my attorney and still no response from Ally. This needs to be removed from my credit as it is hurting my score.

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 2018-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I have been trying for a several weeks to access my Loan Care account on the online portal. After several attempts at resetting my password I could not access my account to view or make any payments. I have called several times with hold times extending past 3 hours. On one occasion, XX/XX/XXXX, I was able to leave my number for a call back which was 9 hours later. The service representative was not able to help me with my problem and suggested I email customer support. I email customer support on XX/XX/XXXX. It has been 10 days with no response so I tried to call again with wait times over 3 hours. I was not able to continue to hold. I need to pay my mortgage before I am assessed a late fee. I am entitled to access my account as well.

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 2018-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
This debt for XXXX XXXX was removed from my credit report in on or about XX/XX/XXXX when it was originally disputed with all 3 credit bureaus. 

This account was Closed per Florida XXXX and XXXX in XX/XX/XXXX. 
XXXX from XXXX Hospital confirmed this on XX/XX/XXXX. 
XXXX from XXXX, phone number XXXX confirmed the account was closed and No further attempts to collect on this debt would occur. 

As of XX/XX/XXXX, I received an alert per my credit monitoring indicating that XXXX XXXX XXXX XXXX has reinserted this account on my credit report as of XX/XX/XXXX, and is in violation of FRCA as this account is closed. 

No further efforts to pursue this account are legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
We noticed last week that we have been charged roughly {$60.00} a month for almost two years for security protection on our Lowes credit card bill. We called them, the amount totaled {$710.00}, they said they would refund us via check within a week. We never agreed to or signed up for any protection service, we are on a budget and really could have used that money over the past two years, reguarldess we waited on the refund only to see today they simply credited it back to our account balance. I called and explained we pay our bill on time they illegitimately obtained the {$710.00} and I would like it back, Ive could have used it over the past two years and want it back now. They werent helpful at all and essentially said we should be happy we got the refund on our account balance. In my opinion they essentially have stolen {$710.00} from me and when they are called out about it they are going to keep it and apply it to my balance? Thats ridiculously bad business for such a big company.

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 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI

Complaint narrative:
XX/XX/XXXX I received a billing statement showing the full amount of the loan being due instead of a regular monthly payment. I called First Citizen Bank XX/XX/XXXX to schedule an appointment to renew the loan. In speaking with XXXX XXXX she stated that she will have someone call. I received a call from XXXX XXXX and e-mail with an application for a consumer/HELOC application request. I wrote XXXX and advised her that the loan was not a consumer loan nor has it ever been a HELOC. I questioned if the correct process for a commercial renewal was being completed. She advised that is how they handle renewals. I completed the request as stated by XXXX. On XX/XX/XXXX I received a call from XXXX stating that my application had been denied and that my file was being turned over to the Loss Mitigation Department. I have had this particular loan for over 10 years and have never been delinquent. First Citizens did not give me an opportunity to look for other financing that would better fit my need and know  plan to place a negative mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY is trying to collect on an old debt in the amount of {$1600.00}, that was discharged under Chapter XXXX Bankruptcy in 2012. The original creditor is XXXX XXXX XXXX   and the account is closed. Portfolio Recovery has continuously called and threaten me, and continue to use threatening and profane lanuage in its telephone calls to me. I have asked repeatedly that Portfolio Recovery and its agents, representatives stop calling and trying to contact me, to no avail. Portfolio Recovery continue its attempt to collect on a debt that is not owed. Further, I do not have a Consumer Contract/Agreement with Portfolio Recovery and owe them nothing. Portfolio Recovery has damaged my credit by placing this debt with all three credit bureaus and updating stated debt every month in order to further damage my credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My complain is about Bank of America Visa 's fraud protection. BoA had the chance to seize the money in dispute, but still let go without my final consent. 

I filed dispute claim with credit card department on XX/XX/XXXX about a {$2400.00} charge on XX/XX/XXXX by a plumbing company. I received service from this plumbing company but later as I contact them, all can be found is {$570.00} payment from me rather than {$2400.00}. The business owner asked me to dispute this charge with credit card company, they'll not fight back. So I filed claim with Bank of America and emphasized the business owner do not recognize this charge and can provide statements written upon request. 

Bank of America turned back to me onXX/XX/XXXX and told me they got feedback from the " merchant '' insisting they are who they claim to be and it was I who authorized the charge. I contacted the plumbing company again and business owner confirmed again they did not charge, in fact their charge should appear differently than what appeared on BoA 's credit card bill. Now to me I am being charged by a XXXX merchant that registered itself with a very similar company name. 

On XX/XX/XXXX I called Bank of America and ask to resume the dispute. But I am told BoA already sent money to the ( XXXX ) merchant on XX/XX/XXXX, and put back the charge on me. There is nothing Bank of America can do from this point. 

My complaint to BoA is whether they are standing by their fraud protection. Charges made to stolen card are protected, but charges by XXXX  party in disguise is not? Also the unfair thing I feel is, in the claim, I said the charging party is not who it pretends to be, and the charger fights back saying it is. Why BoA choose to believe this merchant over me? Wouldn't it make more sense BoA asked for evidence from both parties before releasing the fund? Don't BoA feel it important to protect it's consumer 's money? 

I do not file credit card charge disputes often. The only other time was many years ago with XXXX, over what I believe a more complicated transaction. The experience with XXXX, in simple term, was way better. 

( Plumbing company is a large franchised chain. It's name is omitted here. )

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 2018-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had a Bank of American account that become delinquent and then charge off for XXXX. On XX/XX/XXXX, I paid the full balance and closed this account with Bank of America. Bank of America updated the balance to paid with a XXXX balance on XXXX and XXXX. XXXX  did not update the balance to reflect this change so I sent a dispute to XXXX. On XX/XX/XXXX, I received an alert from XXXX monitoring that showed the investigation was completed and the account was verified and reported a delinquent status for the balance that I have already paid. I then tried to initiate a dispute online but the system will not allow me to. I have attached a check showing that the amount was paid and debited out of my checking account on XX/XX/XXXX.

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 2018-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX fraudulently obtained a loan at XXXX XXXX XXXX   and arranged by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the purpose of repairing her car. After receiving a copy of the loan documents and seeing that my name was forged on the note I filed a Police report. The report along with an Affidavit of Fraud and copy of my ID were emailed to XXXX XXXX XXXX so that my name could be removed. They subsequently informed me that they had send a verification code to my cell phone which XXXX XXXX had been borrowing since hers was not working and she apparently also responded to the code. I had never consented to the loan and 2 days after the loan I discovered that XXXX XXXX had attempted to negotiate a personal check on my account and fraudulently signed by her for XXXX XXXX.A Police report was made on the check fraud which she admitted to police that she had done. She had been staying with us temporarily while waiting for a house was readied for her to move into. I had trusted her and she had access to everything in my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
My credit report says this was an account from XX/XX/XXXX from XXXX XXXX however this was recently submitted as a collection in late XX/XX/XXXX. I never received a notice or any communication of this being a debt owed from XXXX XXXX or from Knight Adjustment Bureau. When I contacted them they had all of my information wrong which was concerning and confirms to me that I don't own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I bought a pickup from a person in Kansas. He had a loan on it, so i gave him the money on XX/XX/2018. The check was cashed on that day. He gave me a XXXX XXXX XXXX. 
I have called him three times since and he said he called Wells Fargo and they would not give him any answers. He gave me his account no. and i called and I got the same answer. 
Why can't they tell me if they have the title or what? Am i getting ripped off? 
The county that i am from will give me a fine if it is not in by 30 days. Who is going to pay the fine?

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