vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
hello the closure of my account was XX/XX/2016 amount {$2800.00}. I applied for a XXXX job on a website called XXXX due to my divorce. So I started telemarketing I did an online orientation for 2 days and my first check was like {$200.00} and that check was fine it cleared. The at home telemarketing job allowed the person to work unlimited hours so being I was behind on my bill I worked almost XXXX overtime along with my XXXX regular pay and I filled out a direct deposit form but my 2 day check and my XXXX regular pay check came via XXXX and the direct deposit would probably start the XXXX check I was told. Well I deposited my XXXX check for {$2800.00} and the telemarketing company or the person behind it took not only the {$2800.00} out of my account but also almost {$1000.00} the money for my bills out of my account I was broke well past broke at this point. I went to the XXXX police department and after explaining everything to the detective and showing him what little evidence I had he gave me the news I was scammed. I informed XXXX XXXX of what the officer told me and the bank manager was suppose to call me but never did. I went to the bank about 4-5 times. I called their corporate office trying to reach the right person to help and next thing I know I see it says suspected of fraud activity. I can't explain how I felt when I read that. Is every person that is scammed or conned by someone in a different country that the BBB talks about considered a fraud? The bank maybe a victim but I am a victim also and it's almost 3 years later and I'm still having problems with this 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 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Our mortgage payment includes an additional amount that goes into an impound/escrow account to pay for our home owner 's insurance and taxes. Our insurance company sent the request for payment for our home owner 's insurance payment in XXXX and it was due on XX/XX/XXXX. The mortgage company has not paid it. We received a notification from our insurance company that they were going to cancel our insurance if the payment was not processed by XX/XX/XXXX. It takes a day for it to process, so the insurance company needs the payment by XX/XX/XXXX in order for it to remain in effect, otherwise it will be cancelled and need to be reinstated which will take longer. We have contacted the mortgage insurance company XXXX times in the past week. The first time, they said they would request an expedited payment which would be overnighted to our insurance company. That was on XX/XX/XXXX. This morning, XX/XX/XXXX, they said that the payment was overnighted yesterday. This afternoon they said that there is something preventing them from making any payments on our account. 

On top of that, two months ago they started charging an additional fee and there is no explanation for this fee. I thought it was a one time thing and it is on this statement as well. Apparently I have make another phone call to a different department to discuss that fee. 

We are in the process of refinancing our home, which has already taken considerably longer than usual and now this is causing additional delays not to mention that our homeowner 's policy is pending cancelled and if the payment is not received by tomorrow, it will be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I used XXXX through my mobile bank app with Bank of America to transfer money to another Bank of America customer in the amount of {$500.00} because it claims it is a secure way to send money. The transfer had the first name of the person I was sending it to and the message stated car payment. I noticed a couple of hours later, that same day that the phone number I inputted was incorrect. I immediately contacted my Bank to get this transaction reversed and the representative I spoke to said to call the following day because no one in the transfer department was there. I called the next morning onXX/XX/XXXX again and another representative from Bank of America told me that due to the holiday (XX/XX/XXXX ) I now had to wait until Tuesday XX/XX/ to make a claim. Tuesday I called Bank of America again and they stated that the transaction can not be cancelled or reversed since it was already processed but they will do an investigation that could take up to 14 days. No correspondence was sent regarding this matter so I went to my local branch in XXXX, CA to inquire about my claim. The person there said they can not look up any information regarding mobile transfers and just gave me a phone number to call. On XX/XX/ I received a letter from Bank of America 's Dispute Resolution Department stating they had completed their investigation and their records indicate that they initiated the transfer in accordance with my instructions and my account will not be credited. On XX/XX/ another letter was sent to me from Bank of America stating to contact the party directly for further assistance. I called Bank of America again and they notified me that the money was sent to a XXXX XXXX customer and they refused to authorize the money to be returned to my account. I inquired about the name of the person who the money was sent to and they said they could not give me that information but said if I want to pursue further I can file a police report. I filed a police report and contacted Bank of America again with the police report number but they refuse to resolve this situation.

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 2018-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Ive been making student loan payments religiously several years now and it never gets paid off. Ill be on added a bunch interest back in from when it was in deferment. CFPB was supposed to be suing them and get Trying to get a settlement. Hardly any goes on the Principle all I should always have the max on my income tax statement of say {$600.00} paid in interest, Its always far far less than that. Its a sham to make  regular payments and it will not get paid off. The payments that keeps getting higher every month too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: TX

Complaint narrative:
I have been disputing a few items on ALL three credit reports and each time the reporting agencies would send back letters stating the information has been verified. When I, would send these companies letters asking how was the info. verified? I have a collection that is reporting to ALL three agencies by the name of XXXX XXXX. It ALWAYS comes back verified and when I, ask this company for the same information, never received it from the Creditor ( XXXX XXXX ) or the collection agency XXXX. I have sent these three agencies letters asking for them to show me that information that they received to that verified this item but was never supplied it. From XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I, have documents showing me asking can they investigate this item and prove 100 % that it is true and accurate to be on my reports. This is a violation of the, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different status as to closed acct. and open acct. and had not been properly validated and still was able to be reported to ALL of these reporting agencies.

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 2018-06-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing a few items on ALL three credit reports and each time the reporting agencies would send back letters stating the information has been verified. When I, would send these companies letters asking how was the info. verified? I have a collection that is reporting to ALL three agencies by the name of XXXX XXXX. It ALWAYS comes back verified and when I, ask this company for the same information, never received it from the Creditor ( XXXX XXXX ) or the collection agency XXXX. I have sent these three agencies letters asking for them to show me that information that they received to that verified this item but was never supplied it. From XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I, have documents showing me asking can they investigate this item and prove 100 % that it is true and accurate to be on my reports. This is a violation of the, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different status as to closed acct. and open acct. and had not been properly validated and still was able to be reported to ALL of these reporting agencies.

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 2018-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Unisa, Inc
State: CA

Complaint narrative:
I attended XXXX College from XX/XX/XXXX to XX/XX/XXXX. Student loans were processed with XXXX XXXX XXXX who I arranged monthly installments. I am in good standing with this company however, in XX/XX/XXXX I received a message on my credit report of two derogatory marks. I discovered Unisa turned student loans over to a collection agency, XXXX XXXX XXXX. I was never informed in writing or verbally that my account would be placed into collections. 
I have contacted both companies several time with no prevail. As of XX/XX/XXXX Unisa has stopped sending statements. I am continuing monthy payments to date. I have also, filed disputes with XXXX, XXXX, and the XXXX XXXX XXXX. After researching XXXX XXXX XXXX, my discovery shows many complaints of unethical business practice and illegal collection practices. 
I have also attempted legal action but have not been successful in finding representation. I can provide documentation in my favor such as proof of payments, notes from conversations with all parties involved, my last statement sent from Unisa, proof of complaints on the XXXX XXXX XXXX site and XXXX investigation report which found in my favor. 
I am seeking help in resolving this issue. Please advise if your agency can be of assistance to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Palmar, Inc.
State: NJ

Complaint narrative:
The proper option was not available. 
A previous complaint was filed with CFPB, however it was closed. The previous response from XXXX XXXX  contained my private health information. My PHI was viewed by employees of XXXX XXXX. My PHI was shared on this website. 
XXXX XXXX was not authorized to receive my PHI ( as documented by the document they uploaded to this site. ) The medical bill shared initially shared by health care provider is a violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPPA ). This law prohibits the disclosing of personal health information. 

This account is being illegally reported on my credit report. 
As a result, I will be filing a formal complaint with the Attorney General ( OAG ), and Office for Civil Rights ( OCR ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: CO

Complaint narrative:
I have repeatedly told KeyBank I do not want overdraft protection. Recently, my account was garnished and was taken, unexpectedly, to XXXX. Two charges, one for {$10.00} and one for {$8.00}, came in while the balance was XXXX ( I live in the mountains, 45 minutes drive from the nearest branch , drive a gigantic truck which eats gas, and can't simply stop by to deposit more ). 

Not only did KeyBank put the charges through when they should not have, but then they charged me a total of {$95.00} in fees. 

That's {$97.00} in fees for {$18.00} would for charges. That's {$48.00} per overdraft - that I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: IL

Complaint narrative:
On my credit report it states that XXXX XXXX XXXX XXXX is 100 % percent accurate. When clearly you could see the inaccurate information placed on my credit report. I tried disputing multiple times for inaccurate information such as, the terms, date open, account status, account type, payment status, account name, balance, company sold-to, and payment history. The account is clearly inaccurate. I sent the XXXX XXXX XXXX XXXX validation of debt letter and they failed to respond. Also, I sent them a letter due to that i do not have knowledge of the account. In which, this account have not been properly validated becuause clearly they are violated the law section 609, 611, 616, and 617 under the FDCRA and under FCRA. The credit bureaus states this account is 100 % accurate across every section of the account. They are violating my rights and my credit worthiness and defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I paid AGAIN for a current Equifax and XXXX score. 
Equifax never timely completed investigation from XX/XX/2018. 
Called for Report and Score I just paid again for an told by Equifax system would not provide it nor explanation why dispute because of Identity Theft on XX/XX/2018 has not been timely completed. 
i want Equifax to pay my actual expense incurred for failure to timely complete investigation. I was approved for a personal loan and lender waiting Equifax completed investigation! I want money returned I paid Equifax for current XXXX which i was told last week was XXXX, however Equifax has not provided this information to potential lenders since they told me this. They either intentionally gave me inaccurate information or have intentionally been providing those inquiring false information. I want my money paid today for current score and XXXX refunded. I want Equifax find for failing to comply with law and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: DLC, LLC
State: NV

Complaint narrative:
I have a collection on my account from XXXX XXXX XXXX and I have never been to one of their locations. I have never applied for credit with them and I never gave them any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery calls everyday from all kinds of phone numbers. Calls multiple time while I'm at work. I have asked to stop calling, but then will use another number to call again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have requested at least on 4 different occasions for Capital One to provide me with a ONE time courtesy goodwill for ONE late payment on my account. The late payment occured in XX/XX/2017 when I was making a transition in employment. I have since maintained a positive account, making all payments on time and for the balances due. I've contacted XXXX XXXX in reference to requesting credit limit increases and was given inaccurate information. I have emailed about the inaccurate information and the process for getting CLI or changing account over to unsecured and those emails were never addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE XXXX EMAIL XXXX Attorney for plaintiff XXXX XXXX XXXX I have told them every time they send someone that they have the wrong person. I have emailed them screen shots of the correct person and as much info as I could find on XXXX. They keep serving me even after I sent a photo of part of my drivers license showing my date of birth is different than the person they are looking for. They continue to go forward with processes as if the correct person was served. This isn't fair the the other person, as they will not be able to go and defend themselves. My credit score is excellent and I plan to sue if their XXXX up alters my score or my finances in any way. The person I talked to on the phone was not pleasant either. I want them to find the correct person and leave me alone. 

Sincerely, The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: CA

Complaint narrative:
I have a loan with EDFINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and EDFINANCIAL with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
NOT MY DEBT PLEASE REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAP ONE AUTO with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America advertised a {$200.00} bonus for opening a new business checking account and making a deposit within 60 days. They have failed to post the bonus to my account. On SEVERAL occasions, their agents promised me that I qualify for the bonus and that it was forthcoming. The agent 's promises are RECORDED and on file with me. Despite the banks ' assurances and representations, they are refusing to award me the bonus, alleging that some technical requirement was not met ( they do not consider money deposited to a business account from personal accounts to be a " deposit ''. They make a fine, invisible distinction between " transfers '' and " deposits '' ). This technical requirement was NEVER mentioned to me. If it had, I would have taken a different course of action. Instead, I was repeatedly promised that the bonus is forthcoming -- after long and careful review of my account by various representatives. Now, and despite many RECORDED promises to the contrary, they refuse to award me the incentive payment. ( One such recording is attached to this complaint )

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