vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion, XXXX, XXXX all are treating XXXX hard inquiries as XXXX hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, 2016 and XXXX XXXX, 2016 for XXXX and XXXX XXXX, 2016 for XXXX. These are supposed to be treated as one inquiry.

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 

The following inquiries were not done on my behalf : Credit Inquire Disputes XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXX/XX/XXXXXXXX/XXXX XXXX/XXXX/2017

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 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: MO

Complaint narrative:
NCC business services is trying to collect a debt in the amount of {$3100.00} and the original creditor is stating the debt is only {$1800.00}, but the original creditor and NCC business services has not provided a move out checklist with documentation of damages or lease details that confirm the amount they are trying to collect. In the state of MO Property managers are required to send a security deposit letter and a list of damages and proof of damages in order to collect the amount. Neither the collection company nor apartment complex did so. I have requested this information for NCC Business associates on several occasions and when I call to get this information provided to me they hang up on me. They have removed this from 2 of the three credit bureaus and I need them to removed this invalid information for XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had lost my job and was late paying one day for this company and tried calling them to tel l them of my demise. Only to be told that they could not do anything for me. I was attempting to pay the debt but with late penalties and other, I could not do so as i continued to have money problems. i called to ask them if they could work with me and they said no. i was paying when i received a bill from them but they stopped sending bills after the credit company took over. i did try to locate old bills and pay them monthly. 

they served me with a summons after the date that they said i had to respond. i had tried calling a month prior when i received their first threatening letter but no one answered so i just sent a money order. i was not sure who the debtor was. the complaint stated i did not attempt to pay the debit which is a lie. also it was forcing me to sign the complaint and said i had no objection. when talking with the person on the phone, i did state that i was not even sure who the creditor was and they finally told me after a few minutes. i made payment arrangements and they sent a further stipulation agreement to which i felt compelled to sign but under duress. point though is if this company had worked with me in the first place, this all would not have happened. and on my credit report, they say i am like three years behind in payment ... another lie. i have been sending money orders all along. i am not even sure if this is the right balance. sorry for not capitalizing my letters, my computer messes up when i do. thank you for your time and consideration.

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 2017-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
I was no properly served with a summons, velocity investment & XXXX XXXX XXXX enter a affidavit for garnishment on XX/XX/XXXX WITHOUT ALLOWING ME TO DISPUTE THE DEBT OR VERICATION, THE WAY I FOUND OUT THERE WAS A PROBLEM XXXX THE PRIMARY ACCOUNT OWNER WENT TO XXXX XXXX THAT WAS WHEN THEY TOLD HER ACCOUNT WAS FROZEN ON XX/XX/XXXX.THEY ARE BREAKING THE LAW IN MANY WAYS GOING AROUND OUR BACK TO COLLECT ON A DEBT THAT I REQUEST FOR VERIFICATION, ATTACHED IS WHAT XXXX XXXX SEND TO ME ITS A TRIAL CALL ORDER ENTER FROM DIFFERENT  LAWYER ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I just joined navy federal through my niece And now I see all of our account have been frozen. XXXX my niece and my sister XXXX tried to use their checking line credit to do repairs and purchases and tried to write a check but were told that they used the incorrect check that belonged to a closed account. So my niece asked can she transfer the funds to my account since she could n't transfer it to hers or her mothers since they are getting ready to close in a house and ca n't have any credit or loan put into their account. She transferred the funds to be but shortly after all of our accounts were frozen. No call to use to confirm anything. They just closed everything down. I have an auto loan and credit card and checking account. How could they do something like this to our family? Especially my niece who always suggest navy federal to everyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
THIS HAS BEEN A CONSISTENT PROBLEM WITH BANK OF AMERICA AND A MERCHANT NAMED XXXX XXXX XXXX  XXXX. THE MERCHANT ALLEGEDLY ISSUED A CREDIT OF XXXX TO AN OLD CREDIT CARD ENDING IN XXXX THAT BANK OF AMERICA CHARGED BACK TO MY ACCOUNT ALLEGING THAT THE MERCHANT SUPPLIED FALSE AND INCORRECT INFORMATION STATING THAT I RECIEVED THE MERCHANDISE WHICH IS FLASE. I WANT THE XXXX CREDITED BACK TO MY ACCOUNT ENDING IN XXXX IMMEDIATELY. THIS IS A CONSISTENT PROBLEM THAT NEEDS TO BE ADDRESSED IMMEDIATELY. BANK OF AMERICA HAS BEEN MOST UNCOOPERATIVE IN THE MATTER.

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 2017-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I paid off the balance on my Bank of America credit card on XX/XX/XXXX. On XX/XX/XXXX the auto payment amount of {$100.00} that I had set up was deducted from my bank account. I called Bank of America onXX/XX/XXXX regarding the {$100.00} credit on my account because the auto payment amount was still taken from my account. They reversed the payment on XX/XX/XXXX and I turned off auto pay to prevent the {$100.00} from pulling from my bank account again. On XX/XX/XXXX I was charged {$8.00} in interest. Since my account had a {$0.00} balance since XX/XX/XXXX and a credit for a period of time, I did not check my account the following month. As a result, my account is showing past due and I was charged a late fee. I called Bank of America regarding this and she said that I have to have a {$0.00} balance on my account for 2 months for them to not charge me interest. They will not reverse the late charge and the interest they charged even though the account balance was {$0.00} or was a credit balance during the 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 monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I was signed up for classes at XXXX XXXX of XXXX XXXX Michigan. I never attended the class. They are claiming that I emailed or called the teacher and claimed that I told her I would attend the class. However, I have never spoken with the teacher via phone or email. Therefore, I asked for prove an email that says this or phone records. Which the teacher has never giving out her personal phone number so I would have had to call the office and leave a message which I did n't. I always pulled up all my emails to and from her and never once was there an email about attended the class. I have had this teacher for years and yes if I did n't show up for class she would just keep me in the class thinking that I would show up. However, this time she was wrong because I never attended the class nor did I call her or email her. I have asked for prove which they ca n't provide.They are trying to collect XXXX dollars that they claim I owe. However the classes there are over XXXX They just do n't want to send the government back the rest of the money for the class that I never attended. M & M credit company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
on XXXX {$570.00} was deposited into my checking account from Big Picture loans. Starting on XXXX I made 4 installment payments of {$140.00} per agreement. When wanted to pay off loan, I was told I had to pay a total of {$640.00} to be cleared of the debt. I am not gathering how my amount due can be more then what was borrowed when all my payments were made. 


Attached is the statement from my bank showing the totals for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Account # XXXX Property Address : XXXX XXXX XXXX, # XXXX, XXXX MD XXXX This new Complaint is a rebuttal to CFPB Complaint # XXXX. The lies Wells Fargo told, consistent with its corporate culture of fraud, lies and deception. 
With respect to Complaint # XXXX, I stated that Wells Fargo wrote and called me after it acquired this account from Wachovia. WF claimed that I owed them. i disputed it. During our discussion, I agreed to be making provisional payments while they researched my claim. I agreed to be paying to avoid them injuring my credit. They stopped collecting, hired a lawyer and threatened foreclosure. Did CFPB ask Wells Fargo why it stopped collecting payments and hired a lawyer? This is WF 's modus operandi in forcefully taking people 's property. They do n't mind paying lawyers and adding it to the loan balance to make it impossible for borrowers to pay the loan. Second, WF wrote me a Default Letter on XX/XX/XXXXthat I was owing {$8800.00} on the loan. On XX/XX/XXXX, WF wrote me a Default Letter that I was owing {$59000.00}, which their lawyers said the new balance is {$62000.00}, as of XX/XX/XXXX. You see how the loan went from {$8800.00}. A week before WF sent this response, their lawyers wrote me that they were proceeding with foreclosure without waiting for WF to resolve the Complaint or file its response with you. Now what did CFPB accomplish other than sending a ton of documents to make you think they are cooperating? I expected, and I 'm still expecting, CFPB to instruct WF to explain how the balance went from {$8800.00} to {$62000.00} and why it Wells Fargo stopped collecting payments, as agreed, and hired lawyers to begin 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 2017-09-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, XXXX, Equifax all are treating XXXX hard inquiries as XXXX hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, 2016 and XXXX XXXX, 2016 for XXXX and XXXX XXXX, 2016 for XXXX. These are supposed to be treated as one inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, Experian, XXXX all are treating three hard inquiries as THREE hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, XXXX and XXXX XXXX, XXXX for XXXX and XXXX XXXX, XXXX for XXXX. These are supposed to be treated as one inquiry.

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 2017-09-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I contacted navient to tell them that the " debt '' was fraudulent. They did not respond for over a year and so I thought that this matter was dealt with. During that time they did not send any notification or proof of this " debt ''. According to the law this debt can not be collected because there is a statute of limitations. I have all of the e-mails. I gave them 30 days to respond and they did n't respond for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
I contacted Ocwen Loan Servicing LLC XXXX XXXX regarding the need for a payment program due to just graduating and seeking gainful employment. As a result, I was provided with a program and was advised by the specialist that as long as I paid the payment amount by the XXXX of every month I would not be considered late. Furthermore, my payment would reflect as current on my credit report with all three credit reporting agencies. I began making payments ranging from the XXXX to the XXXX of each month. Unfortunately, I did not discover until several months later that my payments for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX were reported as late on my credit report. I called and spoke to several specialists starting in XXXX XXXX and was continuously assured that as long as I made a payment by the XXXX I would not be considered late and it would not negatively report on my credit report. Furthermore, I was advised that the aforementioned reported late payments would be corrected to reflect that I paid on time. I completed the payment program in XXXX of XXXX and my mortgage account has been up-to-date ever since. Unfortunately, to no avail has my credit report from XXXX, XXXX or XXXX been corrected by Ocwen Loan Servicing LLC to reflect XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX as being paid on time. I would greatly appreciate assistance with having this issue corrected. I have the names of the specialists I spoke to and the dates that are available upon request.

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 2017-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear Citibank : I am disputing a credit charge from XXXX XXXX XXXX in the amount of {$850.00}, which is included on my statement dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I spoke to the customer service manager about my card ending in XXXX being charged in the amount of {$1000.00}. It was two charges one was for {$200.00} and the other was XXXX. After speaking with the hotel customer service manager I was told I would receive a refund for {$1000.00}. I have only received a refund for {$200.00} and is still missing my refund for {$850.00}. I also see I got a refund for {$4.00} Im not sure what that is for. But as my bank I writing to you all to correct this issue I have been dealing with this since XXXX of this year and this charge was an unauthorized transaction. I have attached a copy invoice where its states I was supposed to be getting a refund. Any questions please feel free to give me a call at 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 explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XXXX XXXX 2017, I recieved an email from Discover Credit Card that my account has been closed without any further information. I tried to contact them for the reason behind this message, but they told me that they cant provide any information and when I insist they told me I havent submitted documents they requested. They havent revelaed which document I failed to submit yet, and also told that I have to reapply for a new card in this case. Ever since then they reported this to credit burea and rejected all my applications and enquiries on the same. After they closed my account I repayed the existing balance and cleared my account. I want to know the real reason behind this fraudulent activity on their side and also prevent my credit score being further damaged by this activity, for which I am not aware of the real reasoning. Please help me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
im having an issue with Barclays Bank reporting an old stale incorrect debt on my credit report and everytime I call and ask to speak to them about it they keep referring me to XXXX XXXX to whom they sold the account to but XXXX XXXX is no longer reporting and ceased collection activities furthermore there was only one XXXX account with Barclays bank but they are reporting 2 accounts XXXX and XXXX XXXX XXXX & XXXX XXXX so I am confused as to what is what and the account was defaulted a long time ago as the statue of limitations has passed and this is having a negative impact on my credit.

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 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a copy of my credit report and am disputing some items that need to be deleted. 

Name : XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$500.00} Name : XXXX XXXX # XXXX Account # : XXXX Amount : {$720.00} The reasons why these items should be deleted are indicated below : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ) ]. According to the provisions of 612 [ 15 USC1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: ME

Complaint narrative:
Called twice this week, from National Enterprise Systems, a debt collection company, and a computer generated voice directed me to to call back at the phone number XXXX XXXX. 

Same company called next day, but a different phone number and extension was given XXXX XXXX. 

I do not have any outstanding debt. I have not responded to the phone calls. This is a computer generated voicemail, and I consider these calls harassing in nature.

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