vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: IL

Complaint narrative:
Hi, I would like to file a complaint against XXXX XXXX  and Collection Bureau of America.

COLLECTION BUREAU OF AME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( XXXX  ) XXXX On XX/XX/XXXX, I checked my credit report and see that my credit score has gone down and there is a collection on file from Collection Bureau of America. I saw that the original creditor was XXXX XXXX XXXX XXXX XXXX. The account was opened on XX/XX/XXXX ( 5 yrs, 3 mos ). The balance is {$380.00}.

I called XXXX XXXX at XXXX on XX/XX/XXXX @ XXXX to find out what happened. I was told my account was in collection and I need to call XXXX. I called XXXX on XX/XX/XXXX @ XXXX. I inquired for the status of account. The rep informed me the account has been in collection. I told the rep I know because I know it on my credit report. I asked the rep for more information on my account. She stated the last payment I made was on XX/XX/XXXX for the amount of {$100.00}. I informed the rep I was not aware of any outstanding balance. We did not use the XXXX XXXX that long to owe {$380.00}. I asked the rep for a copy of the bill. I asked the rep to email it to my personal email address. I spelled my name out letter by letter. The rep said I should receive it shortly.

Today is XX/XX/XXXX. I have not receive a single email regarding my account or balance. To date, I have not received any written notice of my balance from XXXX XXXX or from COLLECTION BUREAU OF AMERICA. I have not been given the option to dispute my account. I was not aware of my account going in collection until I checked my credit report!

We stopped using XXXX XXXX years ago. It is unfair to find out my account is in collection through my credit report. XXXX XXXXXXXX did not notify me of the balance nor the warning my account will go to collection.

COLLECTION BUREAU OF AMERICA did not provide any written notices via mail of my account or my dispute rights. It is unfair to put my account in collection. It is unfair for me to find out through my credit report. It is unfair for me to reach out to the company for the bill and still not receive it.

This practice is unprofessional and unethical. I asked that my account be removed from the my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Army and Air Force Exchange Service
State: NY

Complaint narrative:
I was victim of a fraudulent charge on my military star card, I contacted XXXX  several times over the years through email ( fraud department ) and several phone calls to resolve the issue, not only It was never resolve but it has more than double, my calls are been ignored and my email not answered. this is not the first time I am trying to contact the department regarding the charges that were imputed to me. I have contacted the airline company and the information i received from them did not match my own. I asked to speak to someone in charge or some one who cares enough to investigate this, this has been causing a financial burden on me and my family as my wages are been garnished.

I even got my chain of command involved but we were always put on long hoold and hanged up on.

email dates Wed XX/XX/XXXX, XXXX XXXX Fri XX/XX/XXXX, XXXX XXXX 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 2018-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i called chase XXXX XXXX to ensure balance was paid off at XXXX early XX/XX/XXXX. they somehow also took XXXX out of my bank acct mid XX/XX/XXXX. this month they charged me interest when in fact they told me everything was squared away when i called after paying off the balance owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Reported by TransUnion XX/XX/2018, Got notified by XXXX XXXX an inquiry by XXXX was made using my identity. I am kindly contacting you because I did not personally make or authorize this inquiry. I contacted XXXX and they advised me to follow instructions on website and submit a request to have this hard inquiry deleted from my credit information. Thanks in advance

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 2018-03-28 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: ProCollect, Inc.
State: NC

Complaint narrative:
My credit reports ( all 3 ) show a collection amount of {$1000.00} held by ProCollect. I contacted XXXX to tell them the account was not in my name, but in my daughters name. They investigated and said status remained the same. Since then my daughter received a letter from ProCollect offering to settle the account in full for {$320.00}. My daughter paid the full amount requested in the letter but the account still remains 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 explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular de Puerto Rico is reporting as adverse an account from XXXX as a Real State Mortgage debt in my credit report with delinquency of 120 days in XXXX to XXXX. 
1. The original creditor was XXXX and was not a Real State Mortgage.

2. They both creditor are ignoring my right to verify the debt and sending me one to the other. 
3. It's a time-barried debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
Company is Diversified Consultants. They continue to call me many times a day looking for XXXX XXXX. I have told them several times XXXX XXXX is not at this phone number and please remove this number form their contact list. THIS IS NOT MY DEBT. They continue to harass me and refuse to stop calling. 

They call before XXXX XXXX Arizona time. They hang up after I answer. And call multiple times per day. 

They call from multiple phone numbers : XXXX XXXX XXXX When I call back I am not able to speak to anyone. Get a recorded message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
***I was working with Amerihome Mortgage on a loan modification for my house. I did not receive the packet in the mail that the lender told me i was going to receive. I downloaded the application and faxed them over all the forms they needed several times. 

***Amerihome Mortgage went ahead and auctioned off my property regardless that we were already in the negotiation phase of doing a loan modification. 

***I was told by hud that i qualified for a loan modification since i had an fha loan and qualifed for a hardship since i am XXXX XXXX. 

***I would like somebody to look into this since i do not feel that anybody should be told one thing ( Amerihome Mortgage helping me do a loan modification ) but at the same time they were still moving forward with auctioning off my property. It specifically states that this is illegal to do in the homeowners bill of rights as well. 

***I had to file bankruptcy just to save my home from being sold by the bank. 

***I had my XXXX and became ill and on XXXX XXXX however the lender has not once given me any type of solution that shows they are willing to help me with a loan modification. I have applied XXXX separate times and was denied for a Different reason each time by Amerihome Mortgage. This needs to stop not just for me, but by anybody who is XXXX XXXX who is having a hard time paying their mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: IN

Complaint narrative:
In late spring XX/XX/XXXX I got behind on my car payments with my XXXX acct # XXXX because I had taken FMLA to take care of my terminally ill mother. XXXX XXXX  put my car up for repossession. I contacted XXXX and spoke with someone named " XXXX '' ( phone number XXXX ) around the XXXX XX/XX/XXXX and came to an agreement to catch up on my payments and continue my regular $ XXXX   monthly payment on the XXXX of each month which would be deducted from my checking account automatically. Below is a list of the transactions with amounts/dates of these automatic payments which were made directly from my checking account to XXXX XXXX. 

Details Posting Date Description Amount Type CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID In the past couple of months I began monitoring my credit reports trying to rebuild my credit and noticed that XXXX XXXX   was reporting this auto loan as charged off to bad debt, even though I've technically made every payment, but not always on time. I contacted XXXX to try to discuss this and they told me they can't speak to credit reports. On XX/XX/XXXX, I traded this vehicle in on a new vehicle and the finance manager told me XXXX is falsely reporting my auto loan with them as late payments every month and has my debt written off as bad debt and if I hadn't been able to prove this was not the case, I would not have qualified for a new auto loan. I tried to call XXXX again to discuss this while at the dealership and again they told me they don't discuss credit if I had an issue to go directly to the www.ftc.gov website. This car has now been traded in and the account paid in full.

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 2018-03-28 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: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
A few months ago, I attempted to make a normal, monthly payment to my account statement over the phone, using my debit card attached to my checking account. I thought the payment had gone through okay, as I received a confirmation number. A month later, however, after seeing my printed statement, I noticed the bank indicated that I had made a stop-payment on the amount I had paid. Realizing it was an error ( I had never requested any stop-payments on my account ), I contacted my bank who issued the debit-check card and the First National Bank of Omaha, to whom I had made the payment. I then did a 3-way conversation with my bank and the Bank of Omaha customer service to try to rectify the error. It appears when I made the phone payment, I may had inadvertently left out one of the numbers in my checking account when putting my information in. Even though The First National Bank of Omaha customer service rep realized it was an error, the person I spoke to was extremely rude and condescending, and refused to rectify the situation. I received a letter stating my account had been closed for delinquency, although I had no past-due amount assessed to the card. As a result, my credit has been damaged and I am struggling to pay the card off, as they are adding on late fees and interest.

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 2018-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Team leader XXXX XXXX  at GMFinancial ( ph XXXX   fx XXXX  email XXXX ) Sent me a email on XX/XX/18 informing me that they see my auto loan is delinquent and informed me of the loan will be charged-off and vehicle repossessed, so I need to call to workout the loan. I emailed back and informed that I will call her the next day and what is the best time to call. So, today I get a text from my mother ( who is not a authorized party and her number has never been a contact number of mine ) stating that a person from XXXX XXXX   phone number called and told her that my loan is past due and they will be repossessing my vehicle. I then called XXXX on the phone who was very rude and asked her why did she release my information and she tried to pass me to another person. Her actions really upset me and this turned into a bad conversation. I asked her a few times why she emailed me to work it out and calling my family but won't talk to me about it. She replied " she is a manger and don't talk to customers '' Then she ask where to pick up the car and she isn't going to help any further then she hung up the phone. Then 30 mins later my fiance 's mother who lives in XXXX, Co. ( my mother lives in Georgia ) called and told my fiance that XXXX from GMfinanical called and told her that I am over 100 days past due and they are repossessing my car and to call XXXX  at XXXX. I called XXXX back and asked her why is she calling people and releasing my information after you just spoke with me and that is against the law. Then she said " please hold '' and never came back tot the line. I called back over 12 times and she didn't answer. Overall, they are calling 3rd parties that are not authorized and releasing my information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I co-signed a loan in the amount of {$27000.00} on XX/XX/XXXX in order for my stepdaughter to attend a program of study at XXXX in XXXX, VA. The school made promises of lifetime career counseling and job placement services as a benefit of enrolling in the program. The " school '' abruptly closed in XX/XX/XXXX, leaving many people completely out of luck and apparently, out of money. 

The original loan was with XXXX XXXX, and was taken over by Navient. Navient is who I have the issue with. My stepdaughter had the loan deferred and put in forbearance, and got a military rate reduction while her husband was XXXX -- now, in the year XX/XX/XXXX the balance on the XXXX loan is now over {$52000.00}. Circumstances have changed -- she is divorced and paying child support, has health problems and is not employed, so she isn't even able to pay child support. I had been making the Navient payments for her until the amount doubled with a rate change and I started trying to find out if it could be XXXX since the school closed. 
A Navient employee told me there was a good chance that this loan is dischargeable, but several others have given differing reasons as to why it is not. Meanwhile, I really can not afford a payment that is nearly {$500.00} a month. To avoid ruining my credit, I am trying to negotiate a lower payment with them, but I feel like the entire company has given us the run around ever since they took over servicing the loan. Exorbitant fees, different stories from different employees, no consistency in explanations, etc. Having read what others have gone through with Navient, I have no doubt that they are knowingly stealing from people for their own gain all the while covering their unfair business practices with a pseudo professionalism that's intended to try to calm the customer down so they will keep on paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Dear TRANSUNION : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me. Any help you can give me with updating this information as soon as possible would be greatly appreciated. As a reference I am including a copy of page one from the credit report File Number : XXXX, Date Issued : XX/XX/XXXX My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Address : ( 1. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX, Date Reported : XX/XX/XXXX, ( 3. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 4. ) XXXX XXXX XXXX PL, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 5. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 6. ) XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 7. ) XXXX XXXX XXXX XXXX CT, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 8. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 9. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 10. ) XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 11. ) XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 12. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 13. ) XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : N/A, ( 14. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, Date Reported : XX/XX/XXXX. I will await an updated copy of my credit REPORT to reflect these changes. Thanking you in advance. Sincerely, XXXX 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 2018-03-28 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: CA

Complaint narrative:
I have sent dispute letters to the credit bureaus and to XXXX XXXX XXXX   beginning on XX/XX/XXXX and continue to send letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the information reported on my credit has been reported inaccurately and has not been reported in compliance with with FCRA and FDCPA guidelines.

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 2018-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
After all the bad publicity for cheating their customers last several years, I was hestiant to re-try my banking with wells fargo, however, due to a decent offer they had where if you open an account, and receive direct deposits total {$1500.00} each month for three consectuive month, they would award you {$300.00} I decided to apply for an account.

Upon applying for the account and funding it with the necessary amount of money, I received an email stating " Your application has been approved, and your new account is eligible to receive a bonus offer. '' IT WAS BASED ON THIS EMAIL, THAT I THEN INVESTED MY TIME, EFFORT, AND THE WORK NECESSARY TO SATISFY THE REQUIREMENTS TO RECEIVE MY BONUS. ( please see a screenshot of the email in page 1 of the attached pdf ) Additionally, When I contacted them with a secure message they stated that the only reason I had not received the bonus was due to them not having received a XXXX form from me. I preceed to follow their instructions, print, and complete the form. I walked into a local branch and spoke with a banker regarding my account so that he can submit the XXXX form on my behalf ( he faxed in the form ). This banker also informed me that once they receive my XXXX form they would credit my account with the bonus.

I still have not received my bonus, and it has been in excess of the 45 day period that they specified in the offer. When I contacted the bank again, they said that it was because I had an account with them in the past 12 month. If this was a valid reason, for me not to have received a bonus, they should not have spent me an email stating that my account is " eligible to receive a bonus offer '', nor should the secure message team that responded to my question indicated that I was only missing a XXXX form in order to receive my bonus, nor should the in-person banker have indicated to me that I would receive my bonus. It was based on their communication with me that I invested the effort and hard work to satsify the requirements to receive the bonus, and now they are going back on their word. This bank has a history of deceiving its customers, and this is a continuition of this behavior. Wells Fargo continues to miss treat its customers into 2018. They should not be allowed to treat customers in this manner.

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