vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 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: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet is placing extra accounts on my credit report and reporting a accounts that are not validated with notarized documents. I have requested notarized copy of information and these accounts are no legit. However, they refuse to do so and the credit agencies are reporting this information, so both will be suited. By the attorney that sued XXXX  for XXXX XXXX dollars. This case was win in Oregon! Since the credit agencies want to support information that is not true and even when you have shared documentation with them. 

I have retain a attorney at this point and would like the all documents support this debt, so they name can be introduced into the LAW SUIT. Credit Act states I have the right to know the following : 1. Who was involved in this investigation names, telephones numbers, of each person involved in the procedure. 
2. Provide dates and times for the investigation 3. A description of the procedure used to determine this accuracy.

XXXX is already in deep legal issues when it come to this account as Nelnet and XXXX have created acts of forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This has not been addressed. I am still unable to use the card the day after he called. I left XXXX XXXX several voices mails and never received a call back. I am yet to use my XXXX Business Card, I did pay the annual fee of {$95.00} already and still am not able to use it. I've been testing a small purchase and have been denied daily since XXXX called me on XX/XX/2019. This is frustrating as this is the 2nd time I've filed a complaint and still unable to reach XXXX on his contact number. 

The company sent a letter on XX/XX/2019 " On XX/XX/2019, I replied to you advising the security hold on the above referenced accounts had been removed. Regrettably, due to an inadvertent internal error, the hold on the XXXX account was not removed. This has been corrected and verified that the security hold on the above referenced XXXX card has been removed. Due to the inconvenience, we have added XXXX XXXX miles to your account. You should see this reflected on your next billing statement. I regret any inconvenience this sitation has caused you. '' Unfortunately the hold is still active and not removed and I have been attempting to make a small purchase daily but it's still unusable at this time, the security hold is still in there. 

I am requesting someone higher than XXXX XXXX to address this matter as I was reassured on hold was removed and cards were ready to be used on two events ( XX/XX/2019 and XX/XX/2019 ). Yet I was attempting to charge the card on a very small test purchase daily since XXXX XXXX XXXX, 2019 without succession.

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 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IN

Complaint narrative:
I initiated a mortgage application to refinance a primary property I purchased in XXXX of XXXX. Day of closing my loan officer shows me the pay off from RoundPoint Mortgage Servicing and they are trying to be paid {$1700.00} for " Taxes paid ''. I had a tax proration on my purchase when I closed. I owed the tax proration plus the following year of taxes by XXXX of XXXX. I paid taxes due on XX/XX/XXXX on the county treasures website for the tax proration from the previous year and the entire year due. After calling Roundpoints customer service line about this, they essentially said that they were allowed to charge me what they want without providing any written notice more than once. They kept stating they sent me a letter in the mail saying if taxes were not paid within 75 days they would pay it an force escrow. XXXX XXXX stated the letter was sent out towards the end of XX/XX/XXXX. Roundpoint did not do a check to verify if taxes had been paid or not and sent a check to the county treasures office. Now today ( XX/XX/XXXX ) I am trying to close on a refinance and have to be delayed because Roundpoint will not update their payoff letter today removing their irresponsible charge of {$1700.00}. The front line agent was rude and disrespectful and her supervisor XXXX XXXX upon the initial call was rude and disrespectful as well. Both wanted to talk in circles about them having " the contractual right '' to charge me money with out notice and force escrow. Who is responsible to make sure they aren't irresponsibly charging/escrowing fees to their customers? I am attaching the letter they said they sent and I never received. Also, I will be attaching my paid receipt for taxes paid in XXXX and lastly, I am attaching the payoff I requested for the refinance.

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 2019-07-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
I was a tenant with this company about 4 years ago in XXXX. My lease ended with them on XX/XX/XXXX and no one notified me regarding a lease renewal so I was placed on a month to month. I lived in their apartment until XXXX of that same year under no lease. I contacted them and no one contacted me back. A message was left on their machine, twice. I continued to live there and the home begin to have bed bugs as well as mold. It wasn't livable. My kids and myself, we all gotten sick and had to take time off school and work. Again, I tried contacting their company with no response so I left the premises and when I left, the company charged me with over {$4000.00} fees on my credit when I attempted to contact them numerous times. I had no clue of this being on my credit until I applied for an apartment about 2 days ago XX/XX/XXXX. Again, I called today XX/XX/XXXX and left a message, no one has called me back at this time. It's about 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 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX p.m. on Sunday, XX/XX/2019, I completed all of my banking for the week because I was traveling for business the next day. I made sure I had enough to cover all of my bills and all of the upcoming expenses for the week ahead. Much to my surprise, I received an email from Bank of America on Monday morning, XX/XX/2019 at XXXX XXXX. reporting my account had insufficient funds. I was terrified and thought maybe my account had been hacked. When I went online to investigate, I noticed XXXX XXXX attempted to withdraw {$2100.00} from my checking account. I immediately called the Bank of America ( BOA ) Call Center to alert them to stop the payment to XXXX, that it was an error. They told me " there was nothing they could do and that because the payment was processing even a stop order would not work. '' I explained how I needed the funds for travel and repeatedly asked for help. The next day, after receiving four ( 4 ) alerts for insufficient fund charges, I again called the BOA Call Center. First they told me my car insurance was paid. Then they told me it was not paid. I again told them XXXX should not have been paid. After receiving THREE ( 3 ) MORE  insufficient or overdrawn fund charges, I then received an additional ( 1 ) overdrawn fee in my other checking account because a transfer could not be made to cover a check for my car registration. In addition to the {$280.00} in BOA charges for the week, I was left without money for food and gas for my car ; I received numerous late fees for the payments I scheduled ; I could not purchase my low cost, return home, airfare ticket, which has now more than doubled and I do not know how I will get back to Florida or retrieve my vehicle from airport parking. Additionally, I am now marked late to several creditors, could not pay my car payment, which resulted in another late fee and charges. I can not put a price on the emotional cost - being away from home without any money is a horrible and scary event. Sadly, this is not the first time BOA has done this to me. I am of the opinion that they process checks in a way that is self-serving to the bank and damaging to the consumer. I simply can not afford to use BOA and will be switching banks as soon as this is resolved. Lastly, I do plan on notifying the media because my friends and family complain about the same issue with BOA and what they refer to as " thievery. ''

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 2019-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX in the amount of {$3100.00}. ( Please see page 21 of the attached credit report. ) This account is falsely being reported on my credit report. I do not now, nor in the past, have had an account with XXXX XXXX. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. I have contacted the ( 2 ) bureaus to have these items removed.

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 2019-07-01 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX in the amount of {$3100.00}. ( Please see page 21 of the attached credit report. ) This account is falsely being reported on my credit report. I do not now, nor in the past, have had an account with XXXX XXXX. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. I have contacted the ( 2 ) bureaus to have these items removed.

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 2019-07-01 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: UNIVERSAL COLLECTION SYSTEMS, INC
State: GA

Complaint narrative:
On XX/XX/XXXX, I noticed two new derogatory accounts on my XXXX  credit report both in the amount of {$550.00} and both from XXXX XXXX. I disputed the same with XXXX. On XX/XX/XXXX, XXXX responded to the dispute claiming these accounts were correct. On XX/XX/XXXX, I contacted Universal Collection Systems in XXXX, TN to inquire about the same. Universal Collections stated that one account was a duplicate but that the other was correct. They also stated they sent one ( 1 ) correspondence regarding this account in XXXX. ( I did not receive a copy of this alleged XXXX correspondence ). Universal Collections stated they never called me about this alleged debt. Instead, three ( 3 ) years  after sending the alleged correspondence in XXXX, they report both accounts to the credit bureaus making them in breach of the Fair Credit Reporting Act by not allowing the consumer adequate notice to dispute a collection and by making a fraudulent derogatory account on my credit report. On XX/XX/XXXX, I also requested an itemized statement of the charges. To date, I have not received the same. Instead of complying with the Fair Credit Reporting Act, Universal Collections is attempting to bully me into paying for an account ( s ) that is not mine and by reporting the same account twice to the credit bureaus thus hurting my credit in an attempt to intimidate the consumer into paying. 

Note I have no correspondence from Universal Collections to attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Services requested documentation of my dispute. I have requested and received documents from XXXX XXXX which are opposite of the documents that Portfolio Recovery Services have provided. 

The debt amount owed is not valid and not factual. XXXX has provided documents that has put in to question the accuracy and integrity of the account Portfolio Recovery continues to report on my credit report accurately. On XXXX that shows the account had a XXXX balance, Portfolio Recovery sent a document XXXX that shows a balance of XXXX. Which one is correct? 

XXXX also provided me with a letter that says that the account balance was {$540.00} on XXXX with a charge off date of XXXX and the last payment {$0.00} was made on XXXX but Portfolio continues to report a last payment of {$45.00}. How can this be? It's not 100 % factual as required by FCRA XXXX   mailed all its to XXXX XXXX XXXX XXXX Ohio XXXX but surprisingly Portfolio Recovery used an address of XXXX XXXX XXXX XXXX  XXXX GA XXXX on XX/XX/XXXX? Where did Portfolio Recovery get this address? This was not my address. I believe this document was altered becuase it does not shoe the same addresses but were sent in the same month- If Portfolio Recovery used electronic files purchased from XXXX why did they send this legal form to a different address? 

Neither XXXX or Portfolio Recovery has provided me with 100 percent actual and factual information as required by the FCRA and the discrepencies show that this account is not valid and should be removed from my credit file and sent back to XXXX XXXX. If these two companies do not have the same documentation then this information is not verifiable and should be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WellsFargo did not look correctly into a claim and withdrew XXXX $ from my bank account leaving it negative. Ive spoke to wells Fargo and they dont want to look into it any further the rep stated the claim is already closed as of today which is XX/XX/2019z

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I will attached there recent response letter filled with inaccurate information. I'm also attaching proof once again that there is no XXXX XXXX The phone number in the letter is a business line with XXXX and the address in their letter is a personal residence. Account was opened in California and billed to a California address. I never receive statements or made payments from my personal address or bank account. I would ask them to produce statements and payment records which show it was a corporate account. Using someones personal information and attaching it to a business account is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: GA

Complaint narrative:
XXXX is placing extra accounts on my credit report and reporting a accounts that are not validated with notarized documents. I have requested notarized copy of information and these accounts are no legit. However, they refuse to do so and the credit agencies are reporting this information, so both will be suited. By the attorney that sued Equifax for XXXX XXXX dollars. This case was win in Oregon! Since the credit agencies want to support information that is not true and even when you have shared documentation with them. 

I have retain a attorney at this point and would like the all documents support this debt, so they name can be introduced into the LAW SUIT. Credit Act states I have the right to know the following : 1. Who was involved in this investigation names, telephones numbers, of each person involved in the procedure.

2. Provide dates and times for the investigation 3. A description of the procedure used to determine this accuracy. 

XXXX is already in deep legal issues when it come to this account as XXXX and XXXX have created acts of forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is placing extra accounts on my credit report and reporting a accounts that are not validated with notarized documents. I have requested notarized copy of information and these accounts are no legit. However, they refuse to do so and the credit agencies are reporting this information, so both will be suited. By the attorney that sued XXXX for XXXX XXXX dollars. This case was win in Oregon! Since the credit agencies want to support information that is not true and even when you have shared documentation with them. 

I have retain a attorney at this point and would like the all documents support this debt, so they name can be introduced into the LAW SUIT. Credit Act states I have the right to know the following : 1. Who was involved in this investigation names, telephones numbers, of each person involved in the procedure.

2. Provide dates and times for the investigation 3. A description of the procedure used to determine this accuracy. 

XXXX is already in deep legal issues when it come to this account as XXXX and XXXX have created acts of forgery.

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 2019-07-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
OFFICE OF XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX FL XXXX ( XXXX ) XXXX XX/XX/XXXX Certify Mail : XXXX XXXX XXXX XXXX XXXX To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau Ref. : Select Portfolio Servicing Acc # XXXX XXXX XXXX  Loan MIN # XXXX Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX XXXX REQUEST RELEASE ACCOUNT STATEMENT ( RESPA ) This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing because : 1. I has been requesting a complete copy of the Financial Statement and history payment of account # XXXX from XXXX to present. 
2. Separte statement of legal fees paid from XXXX to Present. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX ( 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 2019-07-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting incorrectly a medical collection on the XXXX XXXX XXXX in the amount of {$1700.00} - account number XXXX. ( Please see page 3 of the attached credit report. ) This account does not belong to me and is falsely being reported on my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the bureau to fix this error. This collection item needs to be 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 2019-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Took Car Loan from Wilshire Consumer Credit. XX/XX/XXXX. I was sometimes late but all loan payments made up to XX/XX/XXXX. Due the travel to abroad XXXX Check has been NSF. 
Without any letter or call Car has been Seized on XX/XX/XXXX at XXXX. 
Received letter on XX/XX/XXXX but letter wrote on XX/XX/XXXX and Mailed on XX/XX/XXXX received on XX/XX/XXXX. 
Try to spoke with them on XX/XX/XXXX and explain the letter date, mailing date and receiving date and request Seizure fee back and not received. 
As XX/XX/XXXX loan has been paid in Full.

Company response to consumer: Closed with explanation