vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
See attached file/detailed letter to Bank of America. Please feel free to contact me for additional information. 

Bank of America mistakenly froze my account which resulted in around 16+ creditors having their payments from me refused, rejected, or denied by the bank. The best explanation I received from the bank was that the name of a non-existent person was mistakenly attached to the account and because attempts to reach this person were unsuccessful, they froze my account. One of their customer service representatives also mistakenly connected my debit card to my son 's account resulting in me draining most of his funds. Around five additional customer service reps also gave incorrect information to me or insisted that I had the wrong routing number and told me I would have to contact creditors with the " correct '' number. It turned out that all customer service reps were wrong. I have spent much of the last month dealing with phone calls, emails, and letters trying to sort out this humiliating and time-consuming situation. This " mistake '' has caused lasting negative financial, emotional, and personal repercussions. 

Full details are given in the attached letter.

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 2018-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I am writing to the CFPB for assistance in removing a 30 day late payment that XXXX XXXX XXXX XXXX reported to the credit bureaus in XX/XX/XXXX. The refusal of XXXX XXXX/XXXX XXXX XXXX XXXX to remove this one late payment has literally destroyed my previous long history of outstanding credit. It has also crippled me in being able to obtain any new credit. 

In XX/XX/XXXX, my Mother-In-Law was diagnosed with XXXX and had to XXXX XXXXXXXX and other treatments. I was her XXXX  for over a month. Due to this unexpected event, I overlooked being late on my Ford Credit car lease payment. When I realized that I had forgotten to make the payment, I had slipped into being 30 days past due. Ford Credit immediately reported this to the 3 credit bureaus and my XXXX credit score plummeted 100 points overnight. 

I wrote a good faith request letter to Ford Credit on XX/XX/XXXX. In the letter, I explained my unfortunate circumstance with my Mother-In-Law and the fact that I had been a loyal customer to them for the past 10 years, and 3 consecutive car leases, with no late payment issues. I received a response back from them on XX/XX/XXXX refusing to remove the late payment. The letter said that the " reported information accurately reflects our experience with your account. '' Once again, this could be no further from the truth given my 10 year history with them. 

After I received this response, I decided to reach out to the General Manager over the dealership where I had leased my last 3 consecutive XXXX vehicles. The GM agreed to try and provide assistance. After spending several weeks trying to work with Ford Credit on the removal, he was instructed to tell my husband and me that Ford Credit could not remove the late payment because " the Consumer Financial Protection Bureau rules prevented them from being allowed to remove it from my report. '' The GM confirmed the name of your organization in his e-mail exchange with me. 

Ford Credit 's stance is very hard to believe since the CFPB is in place to protect consumers. In addition, there is something inherently wrong with a credit bureau system that would allow a consumer like me to be penalized 100 points on a credit score for one 30 day late payment, especially given the tragic event that was the reason for the late payment. This is certainly not a true reflection of my credit worthiness. 

I would like to appeal to the CFPB to help me to correct this issue since Ford Credit has used the CFPB as the reason why my late payment information was not allowed to be removed in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
XXXX XXXX, XXXX has contacted me multiple times attempting to collect an alleged debt. I have demanded that XXXX XXXX XXXX provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that XXXX XXXX XXXX is authorized to act in loco creditore. XXXX XXXX, XXXX has failed to provide all of the information I requested.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Rushmore Loan Management Services began servicing my loan in XX/XX/2017. Since, this company is charging me over {$6000.00} ... for what they are calling " Corporate Fees ''!?? Also, {$1900.00} in " bogus '' late fees. They refused to accept my mortgage payments after alleging that my mortgage loan was in arrears two months.

I've unsuccessfully tried to correct my account for one year now and all I get is the run around. 

This company should be investigated by the proper banking agency for their fraudulent business practices & they shouldn't be allowed to do any business. 

Their business license should be revoked indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I recently checked my credit report and found debts from a debt collector called Commonwealth Financial. First and foremost, I have never received any form of phone calls or letters at all from this company stating that I owe debts to them. I have never spoken to anyone from this company either. So when I saw Commonwealth Financial has listed the open date for these debts on my report as XX/XX/2018, I was thoroughly alarmed. This debt was originally owned by XXXX XXXX XXXX as it states on my credit report. I have not visited any form of hospital or medical facility in many years. I believe, Commonwealth Financial has violated my rights under the Fair Credit Reporting Act by purposely re-aging my debt and making the statute of limitations longer without ever contacting me at all. I am not 100 % sure what year I last visited a medical facility, but what I do know for certain is that it was not this year. So if they did re-age my debt, Commonwealth Financial can sue to collect a debt that may be so old that it should have been time-barred. This is an injustice occurring all too recently with debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
Someone calling him/herself " XXXX XXXX XXXX '' has contacted me multiple times attempting to collect an alleged debt. I have demanded that " XXXX '' provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that " XXXX '' is authorized to act in loco creditore. " XXXX '' failed to provide all of the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have been applying payments of {$50.00} per month. My balances all have different account numbers but when I requested to pay off the smaller balance of {$400.00} about 3 months ago they said the account was attached to another account with a larger balance of {$3000.00}. They said when I submit my payment it had to be distributed to both accounts and I can't pay off one before the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
Someone calling him/herself XXXX XXXX XXXX has contacted me attempting to collect an alleged debt. I have demanded that XXXX provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that XXXX is authorized to act in loco creditore. XXXX has failed to provide all of the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have a loan with NAVY FEDERAL CREDIT UNION. 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 and NAVY FEDERAL CREDIT UNION with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I was reviewing my credit report and discovered that XXXX XXXX had added a file that I owed them a past due balance. I contacted XXXX XXXX and inquired about the past due balance. They stated it was for an apartment I once lived in. I explained that I had moved from the apartment I shouldve owed a balance to XXXX XXXX. I nevertheless paid the past due amount to settle the account Immediately. 

I reviewed my credit file a few months later the same information was listed on my credit file by the name of Infinite XXXX/TSI collection. The debt showed paid, I didnt pay TSI, I paid XXXX XXXX and the agent at XXXX XXXX told me it would be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased a plan from XXXX XXXX in XXXX and used. However when it showed up on my cardin XXXX it appeared that it was a rental and so I put a dispute on the charge. I spoke with CITI in XXXX and informed them I had researched and the charge was correct. They informed me that the credit card company would get their money. I spoke with the credit card company in XXXX and they informed me they had not received any money. I called CITI back again and they informed me that they should be getting paid but they would put in information to make sure that they money would be sent. I spoke with the merchant in XX/XX/XXXX and again I was informed they had received no money. I spoke with the credit card company XX/XX/XXXX and they informed me they had done all they could and I was responsible for paying them and that XXXX had the merchant money. They informed me and the merchant that they would have to get in contact with XXXX. After XXXX spoke with a supervisor, they claimed they were working on the problem and would let XXXX know the money needed to be cleared but that was all they could do.

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 2018-06-22 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had a CITI commercial card that the military issued me, that ended up being a charge off. For some reason the XXXX did not complete the final voucher to pay the card in full before I dishcharged, although they signed it off on my out processing form. Unfortunately I had no knowledge of the delinquency and subsequent charge off due to the fact that I was contracting overseas in XXXX. I didn't know about the charge off until it showed up on my credit report. These cards do not normally report when the status is current, only when its charged off. I paid the card in full out of my own pocket. Although I paid it in full, it misreported in XXXX and tanked my scores by 35+ points. I called CITI directly and they told me they don't know why it would report that way and they aren't seeing anything on their end. I honestly don't believe they were taking me seriously. I sent in proof of payment and the misreporting on my credit reports. They responded with an email and case number annotating I will receive a response in 2 BUSINESS DAYS. Its been 2 business days and I have not received a response, which reinforces my initial feeling they are not taking my concerns seriously. I'm trying to buy a home in the near future, and this misreported derogatory information is suppressing my credit scores for a paid in full 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 2018-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a XXXX in XXXX XXXX XXXX University and I opened an account in Chase last year in XXXX to save my tuition and other expense. During XX/XX/XXXX, my money in saving account was transferred out by fraud until XXXX. I was in XXXX and busy with taking care of my baby during that time, and I was thinking the bank is safe so I did not notice that. Around 100,000 was stolen during this period. When I went back to US and found this, I went to chase immediately. They only helped with 4 earliest transactions at the beginning. They did not help with others and asked me to contact the banks who got my money transferred in. I contacted those banks, but they said they only talk to chase. I even went to XXXX XXXX, their banker there told me this is rediculous for a bank to ask the customer to contact other bank for disput. So I went to chase branch again and again, their banker helped me to claim the other transactions and said they will take care of it. I actully went to chase branch for a lot of times and filed out useless form for a lot of times. They first said I will get an answer on XX/XX/XXXX, but I did not get any reply on XX/XX/XXXX. I contacted my banker called XXXX XXXX for what's going on, she told me their department already closed my case and they did not do anything. Even everytime I went to branch, they claimed my case and make sure they will take care of it. But when I got back home and called for claim department, they always use 60 days rule for the excuse. Looks like the banker in the branch is pretending to make claim and the claim department was not doing anything. They always use 60 day rules even though they know my special situation. The claim department never deal with it and closed it very earlier.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22 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: Nelnet, Inc.
State: CA

Complaint narrative:
I have a loan with DEPTEDNELNET. 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 DEPTEDNELNET with no successful resolution. XXXX, XXXX  and XXXX  are 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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: Nelnet, Inc.
State: CA

Complaint narrative:
I have a loan with DEPTEDNELNET. 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 DEPTEDNELNET with no successful resolution. XXXX, XXXX and XXXX are 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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am the primary lender on this loan. Due to changes in my finances, it was necessary for me to make lower payments, as it was difficult and unaffordable. Fees and other charges were added on to my balance even when we made timely consecutive payments. Ever few months to a year, it seemed like I was being contacted by a different company for the same loan, and the balance was not reducing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
We refinanced our mortgage through Quicken Loans on or about XX/XX/XXXX ; LOAN ID # xxxxxxxxxx. Earlier in XXXX, there was a lot of weather related damage to properties in XXXX, XXXX. So, consequently ; our hazard insurance premium for our home in XXXX, XXXX, increased quite substantially. Being in our seventies and on social security, we are used to working with a meager budget. So, to stave off a large increase in our monthly mortgage payment ; we sent in a personal check in amount of {$240.00} for our escrow account to the Quicken Loans payment center ATTN : Escrow Department, at XXXX. XXXX XXXX, XXXX XXXX, XXXX  XXXX. This amount would cover the increase in premium for XX/XX/XXXX ; hazard insurance premium payment ; and, the other half would pad the escrow sufficiently for XXXX and keep our monthly mortgage payment about what we have been currently paying. We sent the check and cover letter via first class mail certified with return receipt as we could ill afford to have this check lost or misplaced. Certified article # XXXX. According to U.S. Postal records, the article was received by an authorized courier XXXX XXXX - XXXX on XX/XX/XXXX ; at XXXX XXXX local time. The post office sent us back the signed return receipt article # XXXX. On XX/XX/XXXX ; we contacted XXXX XXXX at Quicken Loans to ascertain whether our check amount had been properly applied to our account. We were transferred to a XXXX XXXX in the Corporate offices who allegedly had a team, including two attorneys looking for the check. On XX/XX/XXXX ; she called us to state that they did not locate the payment/check. She further advised us to stop payment on the check ( no offer to defray our expense for that service ) and we could allow them a one time no charge EFT for the amount or we could sent a replacement check to the same payment center address above. This has us extremely upset ( against doctors ' orders ) and financially burdensome and stressful to have to under go this additional processes with some corporate mopes who we probably can not and/or should not trust to electronically get into our bank account to mess things up further for us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22 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:
Refuses to remove public record inaccuracy sent letter to the court they have informed me that they have not verified any public record with this agency. They have not provided me the method they used to verify this debt and refuses to remove it or validated that I have filed bankruptcy

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 2018-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation
State: SC

Complaint narrative:
Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of verification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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:
Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of verification

Company response to consumer: Closed with explanation