vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America closed my account that was opened for 14 years because they asked for a document that I couldn't get. They requested that I get a copy of the articles of incorporation. The company was formed in XX/XX/XXXX. I sent over what was received from the State at that time along with a letter from the IRS. The only way I became aware of this need is when they froze my account and individuals who I had written checks to said they weren't honored. Immediately I called the bank to find out the reason for this action. They said they tried to contact me which wasn't the case. I have on my profile cell phone numbers and office numbers in addition to my physical address and PO box and email address. There are no records of them calling me nor could they produce the alleged letter that was sent. When I made contact and was told what was needed I sent it to them the very night via fax. Several days later the same thing occurred again without notice. This time I went into the branch to provide the required documents. The customer service representative called and received instructions how to remedy the problem, we followed the instruction to the letter and the same things happened again the account was seized. Each of the times we presented the documentation we were then told something different was incorrect. I went into the bank on XX/XX/XXXX again to provide the documents that was requested to be then told my business account was in a locked status and no one could unlock the account. XX/XX/XXXX I was told the funds would be returned to me via overnight since the account had been closed. Per instructions of the Branch Manager I called on XX/XX/XXXX to track the status of the check only to be greeted by the most incompetent customer service representative. She then told me the funds could not be overnighted to a PO Box , which my physical address is on file. The nature of my business is affordable housing. The funds seized were funds that are to be dispersed to low income families. As a result of this situation not only have I had to pay charges for returned checks I have suffered a disruption within my business which is preventing me from meeting my financial obligations. As of today XX/XX/XXXXno one can definitively tell the status of the check which XXXX XXXX is too much money for them not to attach a tracking number of some sort to the mail. I see this as an example of " Big Banks '' doing what they want to the small businesses and we have no recourse or choice but to take it. If I could afford to take them on legally I would.

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 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
THIS IS A FRAUDULENT ACCOUNT I.C. SYSTEMS IVE FILED A POLICE 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 2018-03-13 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: SC

Complaint narrative:
I requested an investigation of an account placed on my credit report. XXXX XXXX placed a collection on my reports for XXXX. I was appalled and requested the credit bureaus conduct an investigation and I also requested validation/verification from XXXX XXXX XXXX. 

Equifax as well as XXXX both reported the account was verified. I received a response from XXXX XXXX dated XX/XX/XXXX. The information contains several discrepancies. 
The date of birth for the handwritten account number XXXX contain a date of birth of XX/XX/XXXX. They also provided several signature pages that are NOT my signature. 
According to the FDCRA ALL information must be properly verified and 100 percent accurate. DOB and contract signature are 2 main components when it relates to reporting on consumer credit reports. It is the credit bureaus due diligence to conduct a thorough investigation, and any information that is NOT accurate or can not be properly verified should be deleted. In my case per my request the information is not accurate and should have been removed per the initial investigation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
Hi, I received an invite for applying a personal loan from Citizens bank. The letter said that it is a pre-approved offer and I can use the invite code to check my interest rates. It also mentioned that there will be no inquiries on my credit report. So, to check my interest rate I proceeded with the loan application using the invite code. This happened on XX/XX/2018. Now, when I checked the credit report, I found a hard inquiry by Citizen 's bank. Please let me know how to fix it. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have explained to Navient on XX/XX/2016 that the school that I went to which was XXXX XXXX XXXX was closed down. I have applied for jobs and they will not except the degree that I got from that school. While in the process of applying to different XXXX schools, I called around look for a transcript from XXXX XXXX XXXX no one can find any of the transcripts from that particular school. I have asked Navient to forgive that loan because Im not able to use anything that I acquired from XXXX XXXX XXXX. Im currently at XXXX XXXX XXXX retaking all of the classes that I took a XXXX XXXX XXXX to get me into the XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: MD

Complaint narrative:
I am a co-applicant on an apartment. I currently own my home. On XX/XX/XXXX, CoreLogic sent an Adverse Action Letter indicating application was denied. They indicated that there are associated arrest records with my name in Florida ( I have lived in Maryland for 30 years ). They acknowledged the spelling was different and did not match up any other factors such as full name, social security number, nor did my solid credit history, employment history and other community standings matter. On XX/XX/XXXX, via email to CoreLogic, I sent my driver 's license to confirm the spelling and entire name was different and I forwarded Florida public records from Web searches such as XXXX to show it was not me. They admitted that the names being spelled differently should have indicated a non-match and so did the apartment community - both indicated this is rare. Was told I had to dispute or I would remain in their database as a criminal ( with 9 convictions ). After visiting XXXX, I see this is happening to many citizens who are shocked that this firm keeps them in their database as criminals once they are associated through the company 's algorithms and scoring as high risk. In the U.S., you are innocent until proven guilty but not with this organization. As of today, XX/XX/XXXX, and after many calls to CoreLogic including the supervisor and his supervisor, there is not resolution. Not only does my daughter risk losing her apartment, but I may be considered a criminal in this firm 's database. I don't even have a traffic ticket anywhere.

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 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC
State: VA

Complaint narrative:
- XXXX XXXX card went to collection in XX/XX/XXXX to XXXX XXXX XXXX in XXXX TX, for the amount of {$1000.00}. 
- No late fees were deducted for the first 3 months of collection XX/XX/XXXX - XX/XX/XXXX. Nor this company discuss doing that, for me. 
- I agreed to pay {$50.00} a month until it was paid. 
- They used a sales pitch to get an XXXX XXXX XXXX card with a {$500.00} limit once the debt was paid. I told them I did not want it and I did not want a lot phone calls as I would pay the debt as stated two lines above. 
- They appeared to be using some over aggressive tactics, by means of tone of voice and words. I do not appreciate that. 
- On XX/XX/XXXX on or about XXXX eastern standard time : Caller from XXXX called me and said her name was XXXX XXXX, from XXXX XXXX. She said " we are gon na need to some secure some checks, this a 30 day card, so we need to get some checks from you ''. I already pay via bill pay to XXXX XXXX, as I was originally told I could do. I also said I planned on having the debt paid with 12 months roughly. I told them this XX/XX/XXXX. I then explained to XXXX XXXX, I do not give my checking account information out over the phone. Hence, the reason for XXXX directly. 
XXXX XXXX also said during the course of the conversation : " Are you getting a an IRS refund? '' That is personal and not any of hers or their business. XXXX XXXX then says " Well we just want to see if you can pay more, now? '' - These are aggressive and unprofessional tactics, a completely disgraceful manner to conduct business. When XXXX XXXX realized I was well aware of my affairs, she quickly said thank you and got off the phone. I do not even know if she really works there or this was spoof call. Either way, if she does, XXXX needs to correct their training deficiencies and enforce quality control. 
- Bottom line is they are unprofessional and the above statements reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
InXX/XX/XXXX I received a letter from XXXX a debt collector about a XXXX account in the amount of {$510.00}. I made arrangement with that company and paid the debt off inXX/XX/XXXX. XXXX XX/XX/XXXX I received a letter from another debt collector XXXX XXXX for the same XXXX account. I informed them that the account has been paid and they asked me to send them proof. I called the company XXXX and asked if they could send me a copy of the letter sent that my balance for XXXX was XXXX and they did. I emailed the letter to XXXX as instructed proving that the account had been paid in full. 

A few days later a change had been made on my credit report where I had gained points because XXXX zeroed my balance. I was satisfied until a few days after that my account was deducted some points and when I checked it was the same company ( XXXX XXXX ) had put the debt back on my account. 

I have been going back and forth with them about this issue and correcting the problem and it doesn't look like they are trying to resolve the issue.

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 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
POLICE REPORT WAS DONE ON THIS FRAUDULENT ACCOUNT

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 2018-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Account from XXXX XXXX XXXX for placing what I believed was a fraudulent account on my credit reports for XXXX XXXX XXXX XXXX XXXX. I noted that my health insurance covers 100 % of my medical expenses. I tagged the account as account is fraud. 

XXXX XXXX XXXX REPLIED IDENTIFYING THE ACCOUNT HOLDER as XXXX AND CLAIMED IN THEIR RESPONSE THAT MY INSURANCE COMPANY DID NOT PAY THIS BILL. 

XXXX XXXX XXXX provided inaccurate and false information in their reply to my CFPB complaint. 

My insurance company DID IN FACT pay the {$36.00} on XX/XX/XXXX. SEE ATTACHED EOB.

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 2018-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I ordered a XXXX XXXX ( Model # XXXX XXXX XXXX XXXX ) online from XXXX. On their website, you can finance with them, and they use TD Bank for this purpose. 
After waiting several weeks I contacted XXXX XXXX their online chat on XX/XX/XXXX about the status of our order as we hadn't seen any progress in the shipping. I will attach the chat with XXXX in the documents. They indicated that it was Lost/Damaged and returned to XXXX, without any contact to us. The representative on the chat could help me no further and directed me to call the Billing and Returns department. I did that the same day and was issued a refund by XXXX, as I indicated that due to this error, I no longer wished to purchase with them. I was told I would receive a full refund, and that it would take 2-3 weeks to process with TD Bank. I have the confirmation email concerning the full refund. 
On XX/XX/XXXX A collections letter/bill showed up in the mail from TD Bank for this account, with a late fee added on XX/XX/XXXX. When I called, TD Bank indicated that the refund must not have posted, and to call back in a week. On XX/XX/XXXX I received a second collections letter from TD Bank and I called again. This time the representative of TD Bank could see that a refund was there, but had not posted yet. When I asked why then would I be charged a fee and interest on an account that should have a XXXX balance, as I had a full refund, the representative didn't have an answer and said they will have someone call me to rectify it. It is now XX/XX/XXXX and I have heard from no one and can get no where near a resolution with TD Bank. 
This has been going on 8 weeks, I filed complaints against both TD Bank and XXXX  with the Better Business Bureau on XX/XX/XXXX.  XXXX has not responded to anything since XX/XX/XXXX and directed me to contact TD Bank, of which I am getting nowhere. My concern is I'm going to have a negative effect on my credit for a product I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACCESS GROUP INC.
State: RI

Complaint narrative:
Loan with Access Group that is serviced by XXXX. All accounts are paid timely, but the companies have misapplied payments and refuse to make correction. Proof of payment has been provided by mail and email multiple times. 

Specifics : In XX/XX/XXXX, I made my scheduled payment but received notice that payment was not received. Contacted the company and gave proof of payment. Within a week started receiving phone calls that the loan amount was due. Again, gave information on payment that was made and was told via phone that it was misapplied and correction would occur. 

In XX/XX/XXXX, made payment as scheduled ( on automatic payment from bank for payment on the first of every month ) and the same thing happened. Except learned that they never corrected the error from XX/XX/XXXX. 

The problem now continues to happen every month. I have spoken with both companies. I have mailed them proof of payment. I have emailed representative copies of my bank statements and proof of payment to both companies. I have asked if there is anything I can do differently to help them. They just keep misapplying payments and incorrectly claiming payment is due. 

I still get a phone call nearly every week from the company and just received another notice of being delinquent with fees and late payment. Payments have been made timely and continue to be made timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I applied for a kohl 's credit card back in XX/XX/XXXX. My information was entered correctly when applying ( I use a form filling application that enters my personal information on websites ). But I was declined for the credit card because my " social security number was incorrect ''. It still resulted in a hard pull on my credit report, which I called capital one and XXXX to try to correct, and capital one stated that they would get it removed from my credit report, which I also received a letter about. This has still not been removed from my XXXX credit report as ofXX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to XXXX XXXX requesting validation of a dent they claim I owe. XXXX XXXX did not send me verification of the debt that they were attempting to collect in their response letter. However, on XX/XX/XXXX I received an alert on my XXXX  report stating that my address has been updated to a CA address. Upon further investigation it was found that XXXX XXXX had made the update to my file. I have never lived in CA, nor do I plan to move there. If I had not caught this error, XXXX XXXX would have been able to claim that they were sending me correspondence to this address and I just didn't respond, which in turn could have resulted in my owing the debt by default I suppose. Therefore, I'm positive that their adding this address was a violation of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 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: SC

Complaint narrative:
I requested an investigation of an account placed on my credit report. XXXX XXXX placed a collection on my reports for XXXX. I was appalled and requested the credit bureaus conduct an investigation and I also requested validation/verification from XXXX XXXX XXXX. 

XXXX as well as Transunion both reported the account was verified. I received a response from XXXX XXXX dated XX/XX/2018. The information contains several discrepancies. 
The date of birth for the handwritten account number XXXX contain a date of birth of XX/XX/XXXX. They also provided several signature pages that are NOT my signature. 
According to the FDCRA ALL information must be properly verified and 100 percent accurate. DOB and contract signature are 2 main components when it relates to reporting on consumer credit reports. It is the credit bureaus due diligence to conduct a thorough investigation, and any information that is NOT accurate or can not be properly verified should be deleted. In my case per my request the information is not accurate and should have been removed per the initial investigation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened an account with wells Fargo in XX/XX/XXXX following a {$300.00} sign up bonus offer. The terms indicated that {$1500.00} in deposits for 3 consecutive months were needed to qualify for the bonus. I did so inXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. InXX/XX/XXXX I contacted Wellls Fargo to make sure I met the requirements. The rep stated that I did and that I needed to wait 45 days to see the bonus in my account. In XXXX I called back and was told to wait while they do research. After a few emails a person from the executive office called me and said that she can see DDs on my account but she needed to " research '' further. That was last week. the case number is 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 2018-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a credit card account with chase card services www.chase.com for almost 20 years and I have been paying 5.90 % annual interest rate. I have never missed any payments and I pay a lot more than the minimum payment. I am on social security XXXX now and I use the credit card to buy stuff online and have it delivered to my house for XXXX accommodation. The problem is suddenly .... Chase has sent me an IMPORTANT CHANGES to your account notice ... They are DOUBLING my interest rate to 10.74 % interest per year! They claim that my interest rate is BELOW the LOWEST APRs that they offer on similar accounts. My 5.90 % interest rate is the lowest evidently on these SIMILAR accounts BUT they are saying that 10.74 % interest is what they RECOGNIZE as the lowest APR on these SIMILAR accounts so they can almost unfairly DOUBLE my interest rate with double talk. 

I am already having trouble paying the bill each month. I will have to see a bankruptcy lawyer if they double the interest rate. I am supposed to be entitled to an equal opportunity for credit but they are doubling my interest without any missed payments or problems. I pay by phone or on their website now to make sure I have a receipt for the payment. I started paying online just a couple of months ago and now they are wanting to double my interest rate. Please help me from going into bankruptcy.

Company response to consumer: Closed with explanation