vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-02 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: VA

Complaint narrative:
On XX/XX/XXXX, an online bill pay was scheduled for my daughters XXXX. Unfortunately, the payment was sent to the wrong address. I contacted Bank of America, and changed the address & asked them to reissue another check. Sadly, the change was never updated and an additional check was issued to another wrong address. After communicating with the XXXX, two weeks later, the checks had still not arrived. Another check was issued, this time with the correct address, but it was expected to arrive a month after the payment due date. I requested another check be mailed using overnight service & a refund of a {$50.00} late fee was issued by the bank, since the XXXX was no longer patiently waiting for their payment. The check arrived the following day, so I thought my concerns with Bank of America were resolved. Unfortunately, a week later, my online bill pay account experienced some dramatic failures. I have alerts set up on my account, to be sent to the same email address that has been active on my account since I opened it 15 years ago. The alerts are for when money is transferred into my account & when my account is overdrawn. I did not receive any of those alerts to my email. This is the first time this has ever happened. I was charged {$70.00} for overdrawn items. After contacting Bank of America and speaking with two supervisors, they were only willing to refund one overdrawn fee, despite making false statements about the accuracy of my email address and the accuracy of the alerts set up on the accounts. They claimed that alerts that had been set up on my account for many years were not active, despite receiving one through my mobile app the morning of the dispute. Im concerned that the overall accuracy of my account has been compromised. There unwillingness to refund the charges, when obviously strange and unaccounted for discrepancies happened, is not only disappointing and upsetting, but the lack of accountability from Bank of America is shameful. I was charged late fees for discrepancies solely related to bank errors. They claim that since the bills were paid in full, with no late fees ( this time ) that they were not willing to issue any further refunds. I have been a customer for 15 years, never had any issues as dramatic and upsetting as this & the lack of customer support is disgusting. I hope my experience can be used as a learning tool for other customers. TAKE YOUR MONEY TO A DIFFERENT BANK!

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 2019-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I initiated a payment in the amount of {$570.00} to Specialized Loan Servicing ( SLS ). The payment was sent electronically from XXXX to SLS. I pay the same way every month. 

I checked the SLS website to budget for my XX/XX/XXXX payment and it showed the payment was past due I contacted SLS on XX/XX/XXXX and spoke with XXXX, XXXX. He told me to email proof of payment to customer service and the ticket could not be resolved until XX/XX/XXXX. 

I contacted XXXX and they sent me proof of payment, with trace numbers and the date the money was cleared by the SLS XXXX XXXX - XX/XX/XXXX. 

I sent the XXXX letter with the details, proof of the {$570.00} deduction from my checking account to XXXX On XX/XX/XXXX I spoke with XXXX, XXXX, and he said they were having trouble posting payments. I asked for a supervisor and was transferred to a voicemail that could not accept messages. I faxed a letter with proof of payment to XXXX, the fax for disputes provided on the SLS website On XX/XX/XXXX I spoke with supervisor XXXX XXXX. He saw the proof of payment attached to my account records. He said he would forward to the cash correction department and flag my account not to report negative information to the credit bureau XX/XX/XXXX I sent another fax to XXXX with proof of payment XX/XX/XXXX I received another collection call. They wanted me to make another payment for XX/XX/XXXXand my XX/XX/XXXX payment. 

XX/XX/XXXX I sent a certified letter using the CFPB Error Resolution Notice under 12 C.F.R. XXXX to XXXX. XXXX XXXX XXXX, CO XXXX XX/XX/XXXX, I decided to make the XX/XX/XXXX payment again and the XX/XX/XXXX payment while the error resolution process continued. I paid {$1200.00} using the one-time payment link on their website, run by Official Payments. 

XX/XX/XXXX, none of the payments are posted to my account and they continue to charge late fees. The error resolution date of XX/XX/XXXX has passed.

I have paid the XX/XX/XXXX payment twice and the XX/XX/XXXX payment electronically, all with proof of payment from financial institutions. A total of {$1700.00}. I can not get anyone to acknowledge, respond or correct this issue. I continue to get collection calls.

May concern is if this continues it will lead to ruined credit and foreclosure. I need someone to contact a person who can review the proof of payment and apply the payments I have made

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 2019-11-02 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I was checking my credit report last week on XX/XX/19 when I noticed a hard decline in my score. I noticed that a collections agency was on my credit report and I have no knowledge of the debt. I reached out to the Hospital that was listed under the credit agency and they advised me that they have no balances associated with me and they never sent anything to collections with my name. I have tried calling the collections agency and have yet been able to reach anyone there. This is a fraudulent debt and I need this to be removed from my credit report as soon as possible.

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 2019-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: IN

Complaint narrative:
I receive a minimum 2 calls per day from a phone number I don't recognize. These phone calls always come when I'm busy with work or kids events. I have not received any written communication or bill from the company. With the amount of fraudulent calls that are typically scams, I no longer answer the phone from numbers I do not recognize.

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 2019-11-02 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: PA

Complaint narrative:
On XX/XX/XXXX I consolidated my loans to navient. I just paid over the phone and paid the amount due. In XX/XX/XXXX I started to pay more than the minimum payment and always selected to have any overpayment paid directly to the principal and not advance my due date. After a few payments the option stopped appearing. Months later I noticed on my bill that they were automatically advancing my due dates. In XX/XX/XXXX I changed it online for all overpayments to be applied to my principal. I then noticed that on my XX/XX/XXXX bill I was charged more interest than I owed from previous payment. I called and they reviewed it and said they would fix it and determined it was because even tho I was making full payments my interest was not being satisfied first. The women I spoke with said she could not explain it and the accounting department would have to clarify. I asked for this to be clarified and why this was happening and for them to review my account. Even after calling again nothing ever came of it and the only response I got was that my interest wasnt satisfied and it needed to be satisfied before I could pay on the principal even tho for years I had been paying every single month and more than the amount of interest that would have built up from the previous month. Every time I call they say it will take weeks for a response so I have given it plenty of time. But they are still advancing my due date and not applying my payment to my interest first and directing everything else to my principal. I can find exact dates of phone calls but it would take some time to check back on my phone bill so if its not necessary I Don't want to waste my time. I am extremely frustrated and just want my money to be allocated correctly and for my past payments to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
AMEX took out of my checking account {$5900.00} when I signed up for autopay. The Authorized autopay amount was {$170.00} per month. AMEX ran the charge thru my checking account three times before it cleared by overdraft protection. I was charged by my bank {$99.00} for overdraft charges, and AMEX charged me {$28.00} per time they tried to collect this unauthorized amount.

AMEX blamed the error on their computer system. AMEX claims they can not control nor change their computer system when errors like these occur. Therefore, AMEX is highly susceptible to Cyber Security Fraud. AMEX can not control their own computer system per them ; not even on over-rides.

I want my {$5900.00} back. AMEX stole this amount from me and I did not authorize them to take this money out.

AMEX is not responding to my dispute online with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Uplift, Inc
State: IL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that UPLIFT, INC. has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
I have never shopped at XXXX XXXX or received proof of debt merchants credit. False accusations and debt not owed by me.

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 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-11-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am still being reported as late to the credit bureaus which is preventing me from obtaining a loan to get away from PHH/Ocwen. I filed a complainant once with CFPB and the issue was partially corrected but not completely. There is still a missing payment that is not being applied to my account. check number XXXX dated XX/XX/2019 in the amount of {$410.00}. I have attached a copy of this check. Again ; this company does not follow up through and upon attempting to reach someone for assistance ; all I get is that they will report it. Also ; per the companies response to the last complain ; the derogatory mark indicating that I was late on a payment is still an issue on my credit report. This MUST be removed from ALL CREDIT REPORTING AGENCIES. Please follow through on my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB - CARD SERVICE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Action Financial Services, LLC
State: FL

Complaint narrative:
Action Financial Services refuses to contact me in writing by email or post. Instead, they keep calling me and demanding different documentation. I have sent them everything I have at present. I would like to enter loan rehabilitation but they seem to be delaying the process. They will not provide me with any written information about what I owe and what documentation they require for me to begin the rehabilitation process.

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 2019-11-02 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-02 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-02 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: ERC
State: FL

Complaint narrative:
ENHANCED RECOVERY CO L Is a collections agency that has been alleging that a bill from XXXX XXXX XXXX XXXX with a balance of {$520.00} is mine and it is not. I have disputed it multiple times with them as it was an account that belonged to my mother, with the same name and address. I have explained that to them in the past and submitted billing statements from XXXX XXXX XXXX showing that the bills belonged to my mother and that she actually did pay off the remaining balance, but the company continues to place me in collections which negatively impacts my credit. This is unlawful because they continue to place the wrong person in collections for their financial gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I never applied for a mortgage loan to XXXX. Information reported is from XXXX XXXX, and it was resolved and removed from my reports. Information reported corresponds to XXXX XXXX. The dealer by LAW may not be changing the information to harm the consumer. Account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was advised to purchase a prepaid package of waxing services from the XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. Although I still had services left on my current package that would last me until XX/XX/XXXX, I did so since they were offering additional free service. Based on my usage the new package would cover the period from approx XX/XX/XXXX - XX/XX/XXXX. When I called to make an appt on XX/XX/XXXX, I was told XXXX had sold but the new owner would honor the prepaid packages until XX/XX/XXXX. The representative of the new store, XXXX XXXX, said I should contact XXXX for a refund of the new package since there was no way I could use it by XX/XX/XXXX. She also indicated most customers did not get a response and therefore declined the payment through their credit card company. I called and emailed XXXX with no response. I disputed the charge with Chase on XX/XX/XXXX however, the merchant indicated they believe the charge is valid and Chase rebilled my account. I spoke with Chase and explained the situation and was told to resubmit more detail which I did but I received a letter indicating the charge will stand. The merchant provided a history of my visits which clearly shows I will not be able to use the services I was sold by XX/XX/XXXX. XXXX should not have been selling prepaid packages giving their upcoming sale which I am sure they were aware of. Additionally the new wax center is not of the same quality as XXXX and I am not able to obtain services there. I did go and use one of the remaining services on my existing packages and the inferior wax product combined with the use of baby oil versus aloe after the waxing caused an XXXX XXXX. Chase is definitely not a customer friendly credit card company if they think the merchant should be credited for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation