vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 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: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
We overnighted a check to payoff our Barclay c.c. account ( from refi ) and they received it XX/XX/XXXX ( tracked it ). They called XX/XX/XXXX looking for payment and when told sent check, told not to worry, they would look for it. They called again XX/XX/XXXX and we were told they'd start investigation on their end to look for check and hold interest until XX/XX/XXXX. They called again XX/XX/XXXX looking for payment and guy at other end said woman XX/XX/XXXX never did anything she said she was going to do, apologized and finally started investigation. While waiting the 10 days asked for investigation, we received other calls, got other apologies, but no credit to our account. We received XX/XX/XXXX a letter from XX/XX/XXXX from Barclay saying our account was credited {$3000.00} during investigation, but it never showed. XX/XX/XXXX my husband was threatened by another Barclay person to fax copy cashed check or be in trouble legally, our mortgage company faxed a copy to the 2nd number we were given ( 1st was a lie ) and they said didn't receive it. I faxed a copy XX/XX/XXXX and they said didn't receive it and asked to wait until Friday to call back while they look for copy. Today my husband received another call and was threatened if we didn't have a conference call with mortgage payee, us and Barclay no credit would be issued. We have it all. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: NV

Complaint narrative:
The hospital had given my bill to the debt collectors who for 6 years have been sending it to the wrong address. I only found out recently about this debt when i saw it on my credit report, which it had affected very negatively. I have called the creditor collectors and told them that I never recieved a letter from them all these years if they can remove my debt from my credit report so they can give me a fair chance. They refused and demanded I paid in full in exchange for removal from credit report. This is not fair. Please help!

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: TX

Complaint narrative:
This is in reference to previous case XXXX. Company deleted erroneous negative debt and then added a dollar to amount an reposted it to XXXX.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed 2 accounts with transunion on XX/XX/2017 and they are still showing as under investigation and were never completed. 

XXXX funding {$1000.00} XXXX XXXX XXXX {$150.00}

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: 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: FL

Complaint narrative:
I disputed a collection which was listed on my Experian credit report in early XX/XX/XXXX. The dispute was with an agency that was collecting on behalf of XXXX XXXX for unreturned phones. 

I had returned the phones to a XXXX corporate store ( # XXXX XXXX, Florida ) in XX/XX/XXXX and kept the receipt from the return. This satisfied my contact with XXXX per th terms. 

I contacted both XXXX and their Collector when contacted in XX/XX/XXXX about the outstanding balance to make them aware that he phones were returned and provided the receipt details. XXXX and the collector said that the phones had not been received in their warehouse. I informed them that this was not my responsibility as I had returned the phones and had a receipt from their company acknowledging receipt. 

When the credit agency reported me to Experian, I filed a dispute. In the dispute I provided the summary included above as well as a copy of the receipt confirming the returned phones. 

I received the dispute results from experience today and they have upheld the outstanding balance and left it on my credit report. I added comment to my file and re-submitted my dispute and copy of the receipt proving return of the phones. I find is outrageous and criminal that Experian has ignored the proof of return and continues to damage my credit rating.

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: Incorrect information on your report — Information belongs to someone else
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore Loan is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chapter XXXX Bankruptcy filed and XXXX in XXXX Chase has been pursuing the debt from XXXX to XXXX Chase even mentioned about granting a loan mod Chase never showed up at creditor 's hearing Chase never contacted or reaffirmed debt Chase has been misleading me for all these years thinking I could lose my home I've tried everything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018, {$1200.00} was taken from my account without my permission from a merchant named XXXX XXXX. I am on california XXXX, and the funds were taken from my bank of america XXXX pre-paid card. Since it is a prepaid card, my bank was unable to put a freeze on the account. Becuase it is clasified as a XXXX card I dont get notified of unautharized or unsuccesful transactions from merchants maliciuosly trying to retrieve funds from an account. As opposed to a normal account or business account that does notify its customers of suspicious activity and places a freeze on the account after 2-3 unsuccesful attemps. This is negligence in Bank of America 's behalf and discriminatory against americans with XXXX receiving lower tier of service and not getting updated of suspicious activity simply becuse my card classifies me as a XXXX customer. I just had a XXXX to remove 2 abnornal growths from my chest and expected to pay for my medical bills only to find out now I will need to postpone my medical care because of my financial difficulties after this merchant speedy cash took funds from my XXXX prepaid card without any prior notification to me at all what so ever, and bank of america acted negligently in not notifying me of such suspucious activity.

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 — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountainland Collections is reporting an attempting to collect a debt for which I do not know of or owe. The original creditor is some law firm and they do not answer the phone ever. They have horrible reviews online and this debt is old.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
recently I put in a complaint that asking why XXXX was on my mortgage assignment and ocwens answer was they aquired my loan through XXXX in 2013 as part of XXXX bankruptcy ... but when I showed them different with paperwork they said it was a mistake ... i want to know why XXXX is on my corporate assignment of mortgage??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I get my direct deposit to my acct every wenesday at midnight, I had a bill scheduled to auto draft through bank of America 's bill pay on the same day, they charged me a {$35.00} overdraft fees with {$80.00} still in the account and a {$460.00} credit pending ( my payroll/direct deposit ), I called the bank and spoke to someone and he couldn't even figure it out, he was like " oh yea there's the credit '', and when I asked why I'm still being charged a fee he told me " we've already discussed this mam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I noticed again in my equifax credit report that I have a formerly name as XXXX XXXX I never had any formerly name my entire life as my my real name so this so called formerly name should be removed from my credit report as soon as possible. Thank you

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: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
IHello Im writing to you because my student loans payments reported to my credit report as 60 days late. Which is not correct! I spoke with an employees XXXX ( XXXX ), and XXXX ( XXXX ) who told me to call in and make my payment on XX/XX/XXXX. As I was on a repayment plan that I did not know now changes every 6 months. When I set it up it was set up for 12 months. I spoke with XXXX ( XXXX ) Who advised that my payment would not be late. He also set up my 6 months payments to come out of my account automatically. XXXX also put me on hold to check with a supervisor to assure my payments would not be late. Please have this correct as it is messing up my credit and Im doing EVERYTHING I can do pay on my loans.

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: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The text message was received from XXXX number with text BofA : We have restrict your ability to use your BofA card. Follow the link below to reactivate it And the link to XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the page links are inactive, except online id field and password and submit button. 
Where all personal information requested - like : Name Address SSN online id and password Dob Card number, security code and pin After that user is redirected to real Bank of America website

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote my maid a check for {$80.00}. She deposited it on XX/XX/XXXX at her bank, Wells Fargo,XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX XXXX. Wells Fargo sends letter to my maid on XX/XX/XXXX saying check bounced, refer to maker and charged {$12.00}. I called my bank, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, and they said the check cleared their bank on XXXX. My account had {$80.00} deducted from it. I went into my bank to talk to customer service. They said the only thing they could do is refer it to a XXXX XXXX XXXX researcher, case # XXXX. The researcher called me 3 days later and said there is nothing XXXX  XXXX XXXX can do because the check cleared. I told my maid and she called the manager at her Wells Fargo Bank to relay this information. Wells Fargo said the check bounced and there was nothing they could do. I have documents showing the {$80.00} left my account in XXXX XXXX XXXX on XX/XX/XXXX and the Wells Fargo Bank letter saying my check returned unpaid [ bounced ]. My XXXX  account averages a monthly {$20000.00} balance for the last 15 years. [ I have had an account for over 40 years and only credit cards I use are from XXXX. ] I am concerned that this is such an obviously simple problem and the banks do not know how and/or are unwilling to fix it. What if the check would have been {$8000.00} instead of {$80.00}? I would be forced to file a lawsuit for damages and attorney fees. These banks are regulated by the federal government. All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to spending their valuable time and money correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE PROBLEM, IS THIS A SAFE PLACE TO PUT YOUR MONEY.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a copy of my credit report from Experian and XXXX XXXX and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to Experian and XXXX XXXX on four different occasions requesting an investigation for state public record listed to my report. I requested Experian and XXXX XXXX Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Washington stating " The U.S. Bankruptcy Court and public records does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. Experian and XXXX XXXX is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any public accounts to my report referencing Bankruptcy information.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
IHello Im writing to you because my student loans payments reported to my credit report as 60 days late. Which is not correct! I spoke with an employees XXXX ( XXXX ), and XXXX ( XXXX ) who told me to call in and make my payment on XX/XX/XXXX. As I was on a repayment plan that I did not know now changes every 6 months. When I set it up it was set up for 12 months. I spoke with XXXX ( XXXX ) Who advised that my payment would not be late. He also set up my 6 months payments to come out of my account automatically. XXXX also put me on hold to check with a supervisor to assure my payments would not be late. Please have this correct as it is messing up my credit and Im doing EVERYTHING I can do pay on my loans.

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 — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Bank of America has kept an IRS refund check, drawn on the treasury on hold. According to law, it is my understanding that BofA is required to release funds from a check, within one business day of deposit. I've called twice and spoken with different representatives and been told different things, so it appears their customer service has no firm or fixed policy regarding check holds. I asked them if there was some type of exception, or some problem, and was informed that it was due to " checks being drawn on high volume accounts take longer to clear ''. They are listing the hold time as 8 days from date of deposit, which is clearly illegal under federal law ( Expedited Funds Availability Act ) and the federal reserve 's rules, namely 12 CFR 229.10. It would appear that BofA does this routinely and regularly, in violation of federal law.

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: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
so ... here is some fraudulent paperwork I have asked the company about but to no avail do I get an answer ... no ... you can clearly see XXXX set of papers no scribble scratch on top left corner ... clearly endorsed by decision one mortgage ... these are from XXXX ... next set..some scribble scratch top left corner ... certified true copy ... its says ... no readable name ... no date ... and clearly decision ones signature disappears ... these are from XXXX ... next set ... clearly top left ... scribble scratch has disappeared ... and clearly decision ones signature appears again ... this is XXXX ... decision one has been put of business since XXXX ... .this is clearly wrong!!! looks to me like someone is made up papers to get my home with!!! i have more too ... let me get answers on this first ... thank you!! and this stuff is now going out everywhere bc the company will not answer me!!! I tried

Company response to consumer: Closed with explanation