vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing tin regards to the following account : Bank Name : BANK OF AMERICA MICHIGAN Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX  Phone : XXXX The account is closed-Purged on my XXXX XXXX report which i got after trying to open a new account with XXXX XXXX. However this account was close by the bank as they suspected fraudulent activity which I was the victim of a scam and not the perpetrator. 

On XX/XX/XXXX, I travel to the United State of America where I was XXXX  as I was seeking XXXX. I was XXXX  at the XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. During this time I had no access to any technology, my bank account, my bank of America debit card or the outside world. Also during this time frame a number of fraudulent activity activities were on my account which is the : Bank Name : BANK OF AMERICA MICHIGAN Bank Routing # : XXXX Account # : XXXX When I was release on XX/XX/XXXX, I discover this and reported it to the bank and file claim on the transaction, I was also told that I would need to go into the bank and close the account as my banking personal information was compromise and whosoever was doing it can do it again. I went to the Brach office in XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX. I was inform by the branch manger that she could not assist me as I didnt have an ID ( thats my passport ), although I had my ; 1. Bank Debit Card with my Photo ID on it, 2. A copy of my passport 3. My SSN Card 4.  XXXX  National ID As they need the physical ID thats on file which is my passport. Due to the fact that my Passport was held in U.S. Immigration and Customs Enforcement XXXX, until recently when I was granted XXXX  on XX/XX/XXXX, I could not president my passport to the bank. 

With that said, I could not close the account and fraudulent activity activities continues on my account which include : My online account password was change ; Numerous attempt on signing on my online account ; An a sign in on a device thats known for fraudulent activity as advise by the Bank when I call enquiring about my password being change, and ; Among other thing. 
I was then inform that as according to their bank policy they would close the account and none of the funds I had in the account was return. 
In concluding, Bank of America didnt do as much as to protect my account despite my many attempt to close my account to avoid those fraudulent activities that led to the bank to closing my account in the manner ( Closed-Purged ) they did that benefit them and leaving me a Victim Fraudulent Activities.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Transunion & XXXX is reporting inaccurate Information from XXXX XXXX XXXX. This company is not registered or licensed to collect debt in the amount of {$2700.00} in my state of Massachusetts.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am disputing the way XXXX  and Trans Union are reporting this account ( XXXX XXXX ). This student loan account is an installment account that is being coded as 120 days past due in the scoring algorithm ( I5 ). This is incorrect, please note that the balance is {$0.00} and the past due amount is {$0.00}. How can I be 120 days past due on an account that does not carry a balance? I have disputed this directly to them and they have not changed the coding on this item. It is harming my score and costing me money.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am disputing the way Equifax and XXXX XXXX are reporting this account ( XXXX XXXX/XXXX ). This student loan account is an installment account that is being coded as 120 days past due in the scoring algorithm ( I5 ). This is incorrect, please note that the balance is {$0.00} and the past due amount is {$0.00}. How can I be 120 days past due on an account that does not carry a balance? I have disputed this directly to them and they have not changed the coding on this item. It is harming my score and costing me money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2019 Equifax posted a Collection in the amount of {$120.00}. I have notified Equifax they are in violation of the Fair Credit Reporting Act and refuse to remove this. I was not notified under the guidelines. Im quite educated on FCRA and licensed through NMLS. 
I would never allow something like this to get posted on my credit. 
Equifax received my 30 day notice XX/XX/2019. They refuse to acknowledge their mistake and remove this. 
XX/XX/2019 spoke to XXXX with Equifax and was told she does not have a supervisor and not aware of FCRA. 
XX/XX/2019- sent another demand letter, that was ignored. 

Both, XXXX & XXXX were very helpful and removed immediately. Equifax does not feel they have to follow Guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a {$5000.00} advanced payment against my private student loan serviced by Navient. The loan servicer subsequently reduced my usual monthly payment, which is automatically deducted from my checking account, from {$210.00} to {$62.00}. Today is XX/XX/XXXX. I called Navient multiple times requesting the monthly payment be maintained at $ XXXX/month in an effort to achieve early pay-off of this debt. How long and how many calls is reasonable before Navient finally gets around to adjusting the monthly payment, which will pay off this student loan ahead of schedule?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I received a letter from XXXX on XX/XX/2018 stating I had a past due utility bill. The balanced owed is {$130.00}. I then pulled my credit report and saw this bill on my credit report. I filed a police report and contacted my monitoring service on how to handle this fraudulent account. I was told to send my documents to them and they would take care of this matter for me. The Identity Specialist sent a dispute package to the collection agency to the credit bureaus. The information that was included was a dispute letter, copies of my driver 's license, and social security card, proof of address, police report letter of dispute power of attorney and the identity theft affidavit. My dispute was denied so I sent an informal dispute to XXXX the commission of utility and my dispute is under investigation now. The XXXX XXXX agency closed the dispute and due to fraud. I have now received another letter from another collection company called Penn Credit stating I  owe the same balance. Penn Credit also received a dispute and all letters that were sent to everyone that this account is being disputed and investigation with XXXX and should have never been sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: CA

Complaint narrative:
Experian is telling me VIA letters in some form of language what a hard inquiry is.. Finally I get told that it's not there " job '' to investigate hard credit inquiries.. I'm a consumer and I heard it was there job to enforce FCRA.. I'm getting frustrated with the lack of care and I'm tired of hearing that everything is ran by a machine and automatically verified carelessly.. It is there job to verify and validate everything on 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 non-monetary relief
Consumer complaint received 2019-02-13 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
I purchased exercise equipment from XXXX on XX/XX/XXXX and charged it to my XXXX account ending in XXXX. Shipment was delayed for the equipment, so I CANCELLED the purchase on or about XX/XX/XXXX because I HAD NOT received the equipment. 
Sometime in late XXXX, I received phone calls from XXXX requesting payment. I advised them that the account balance should be XXXX as I had cancelled the transaction and never received the equipment. Although, the representative was amicable, documentation must have been overlooked, because I have received repeated calls from XXXX requesting payment for a purchase that I never completed and am being threatened with late fees and negative credit bureau reporting. I provided XXXX the Cancellation Confirmation number form XXXX and advised them that XXXX told me that the return would be processed on or around XX/XX/XXXX. 

I am most definitely planning on reporting XXXX XXXX lax return processing tactic to the appropriate agency, but at this time I need XXXX to STOP harassing me for payment on a credit line that has XXXX balance. The Cancellation/Return Confirmation number provided by XXXX is XXXX. I am expecting that the amount due on the credit line will be XXXX and NO late or processing fees will be added to inconvenience me. In addition, I am expecting that NO negative reports be made on my credit file as I DO NOT OWE monies for equipment that I did not receive. These two merchants should have better communication protocols between each other that do NOT include harassing and inconveniencing consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
My loan was paid off by another customer 's insurance claim in error in XX/XX/2018. I was able to have this corrected and the funds were applied to the correct account. Prior to the correction, my title was released to XXXX XXXX XXXX. 

This means that I am not able to provide a copy of the title to a new finance company in order to refinance the loan. 

The first agent I spoke to XXXX, was very helpful and put in a request to reperfect the title and advised more information would be available in 2 days. 

After the initial 2 days, I have spoken with an agent every day for the last week and each one has been less helpful. I spoke with a supervisor named XXXX today and she directed me to XXXX XXXX XXXX. This company is unable to assist me as they can not resolve title irregularities. 

When I called again I was advised XXXX had placed notes on the account that they could not send me the title until I provided a Power of Attorney and I was again advised to contact XXXX XXXX XXXX due to her notes on the account. 

I need someone to reperfect my title and provide me with a copy soI can refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: FL

Complaint narrative:
In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX XXXX  /ACCOUNT NUMBER XXXX .... The information is incorrect and should be corrected to no late payment.

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 2019-02-13 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: FL

Complaint narrative:
In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX  XXXX /ACCOUNT NUMBER XXXX .... The information is incorrect and should be corrected to no late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I want to report Wells Fargo today as I've had some issues with XXXX $ fees hitting my account due to them allowing funds to be charged even though the account doesn't have funds to cover the charge .. I've spoken to XXXX  In the executive branch that North Carolina, which without being asked attempted to give me some needless advice that I never requested or asked for and tells me that I am wrong very rude interaction with whats supposed to be the department which helps you with this type of issues, my transfer were being denied, therefore I've tried 2 days in a role to fix the issues. Also attempted to fix issue again and spoke with XXXX in the center over in the XXXX which she rudely handled the matter as well, and also we did not carry a productive or positive conversation did not follow through with what I was talking about and would talk about something else other than what I was saying. 
VERY SCAMMER LIKE ACTIVITY GOING ON WITH THIS BANK. I STRONGLY SUGGEST THAT THEY TURN THIS OFF, AS IT BEING PORTRAYED LIKE HELPING SERVICE WHEN IS NOT, IF YOU DONT CURRENTLY HAVE FUNDS IN ACCOUNT NOTHING SHOULD BE ALLOWED TO PROCESS, SPECIALLY IF THEY ARE GOING TO CHARGE YOU {$35.00} FOR THAT.

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 2019-02-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
***THIS ISSUE IS TIME SENSITIVE*** My current home mortgage is with BMO Harris and I am re-financing with XXXX XXXX . I also have a small business loan with BMO that XXXX  instructed me pay off to facilitate the refi ( the loan is secured with my house ). I paid off the BMO business loan on Friday, XX/XX/XXXX in the amount of {$2700.00} and asked for a discharge letter to be sent to me ASAP. I have a rate lock with XXXX expiring on XX/XX/XXXX unless I can confirm the loan payoff. I contacted the branch on Monday, XX/XX/XXXX to verify the loan payment had been processed. The branch could NOT verify payment had processed. They instructed me to contact their Customer Service department at a number they provided. I was transferred 3 times, having to explain my situation each time, before getting someone to confirm the payment was processed. When I asked for a discharge letter I was told it could take up to 30 days. After explaining I couldn't wait that long I was told it could be expedited but that would still take up 14 days. I requested something to give XXXX to extend my rate lock. She offered a letter emailed to me on Tuesday, XX/XX/XXXX. I did not receive that email. I've left two messages today with no response. In addition, my loan officer at XXXX has indicated his difficulty in getting payoff information on the primary mortgage delaying the process more than it should. It doesn't seem to matter who you call or what information you're seeking, this bank is unresponsive to it's customers needs.

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 2019-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
asked why the fees to servicing the loan was so excessive, and at the time i could not pay all of my loan amount because of my pay, they would not accept a lower payment. 
At the time i lose my home and my job., so paying them was out of the question.

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 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Serving has denied my modification request. I believe I deserve a modification because of my monthly mortgage payment is unaffordable. My monthly payment jumped from {$1600.00} to {$3300.00} a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received my credit report in XX/XX/XXXX, I noticed a old debt from Chase Card for the balance of {$1400.00} dating back to XXXX. I contacted the company via postal mail in XX/XX/XXXX, stating I do not feel that I owe this debt. After 3 months, I received a letter simply stating my debt was accurate. No further explanation was given. In XXXX, I sent the company another letter stating I required proof to accept the debt as mine. The company then sent several of the same blank forms for me to fill out information, including social security number, updated address, phone number and signature. I did not feel comfortable giving this information to a company that is reporting an 13 year old debt on my current credit report and has repeatedly ignored my request for proof of accurate debt owed. This mistake is unethical and hindering me and my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This company continues to report accounts to my credit profile.

They are aware that i XXXX XXXX and want me to send over a P.O.A. That is not mandated by the FDCPA nor Debt collection laws in the state of Florida.

Please Validate any and all account pertained to me in your office and send firm proof of the alleged debt.

Account Reference : XXXX. this is the only reference number i have but they are reporting three.

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 2019-02-13 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
On XX/XX/XXXX someone whom said she was calling from ace cash express called my husbands cell phone to ask if he knew me, the number that called him was XXXX ( the number that she gave him for me to call was XXXX ) he said yes and they told him to write down their telephone number and a case # and make sure to give it to me. He called me and gave me the info. I called this number and this woman named XXXX said she was part of the legal dept and she is trying to collect a pass due balance on a loan I had. She wanted me to give her my debit card info so she can set up a payment arrangement. She said my debt was transferred to two different debt collections companies and there is a pending lawsuit against me, so I told her that she needs to send this info in writing to me because if it was transferred to diff companies to collect why haven't I received anything, after all they have my address. I also told her that I was on my states website where you can view court cases if someone is going to sue you it would be listed there, and I told her I don't see any lawsuits so nothing she is saying is making any sense, she then raised her voice to me and said, if I didn't settle my debt with her over the phone someone would keep calling my relatives about this debt and someone will come to my job and put me in handcuffs. I said to her, well if you say I owe this debt, just put it in writing so I will know your are not a scammer she then said police are coming to my job to arrest me in the next few days and hung up

Company response to consumer: Closed with explanation