vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
AFTER NUMEROUS COMPLAINTS,, BANK OF AMERICA REFUSES TO ANSWER SIMPLE QUESTIONS, THEY ARE EVASIVE AND ACT WITH CRIMINAL INTENT!!! 
ANSWER THE QUESTIONS!!! 

CAN YOU SHOW A CURRENT VALID CONTRACT WITH ME,? YES OR NO?? 

CAN YOU SHOW VALIDATION OF THE ALLEGED DEBT.? YES OR NO?? 

WHY ARE YOU REPORTING ON AN ALLEGED DEBT AFTER 7 YEARS,?? WHY WHY WHY????? TELL ME WHY YOU HAVE VIOLATED THE LAW SO MANY TIMES AND DO NOT SHOW ME AN OLD CONTRACT FROM XX/XX/XXXX-XX/XX/XXXX, ITS NOT VALID!!!!!!!!!! 

AND DO NOT SHOW ME A STATEMENT!!!!! A STATEMENT IS NOT A BILL YOU XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a personal check from XXXX in the amount {$4800.00} to the JP Morgan Chase branch at XXXX NJ between XXXX and XXXX on XX/XX/2017. I walked up to the counter and handed my Chase freedom credit card to the clerk for identification, and went back to my car for more ID/address. I talked with my girlfriend in the car for 10-15 min. When I got back, the clerk already cashed my check. However, my account was never credited for this amount. On XX/XX/XXXX and XXXX, my Chase credit card had fraudulent activities totally $ XXXX + XXXX + XXXX + XXXX = {$300.00}. For the {$10.00} fraud, my Chase freedom card duplicated a transaction on my Chase unlimited card which is something that only someone within Chase can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: FL

Complaint narrative:
A loan was taken out for XXXX and disbursed XXXX/XXXX/XXXX and out of school date was XXXX/XXXX/XXXX under loan # XXXX. Co-signer #. XXXX. Payment of XXXX was made in XXXX/XXXX/XXXX and late fee of XXXX. The account balance should be approximately 14,000 with interest and late fees. In the mean time IRS refund checks under XXXX XXXX XXXX XXXX From XXXX - XXXX are being sent and directed to U.S. Dept of education national payment center, XXXX. XXXX XXXX, XXXX XXXX XXXX. I am told that the account was referred to this company for collection. This company created a new account under XXXX and claiming the amount due is XXXX. I believe that the aes and this company is accepting and making the account owed double. I would like to have the IRS make this company send those funds to the proper payment center in XXXX XXXX where the account originated. I would like to have the daily compounded interest and late fees adjusted properly from XXXX. Any questions please contact me at XXXX or email me at XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: OK

Complaint narrative:
They closed my account then said they were sending a check for {$750.00} the amount that was in my account it 's two months later I 've yet to receive my money despite contacting them ten times or more just getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX accounts ending in XXXX and XXXX, have incorrectly listed dates of when they became past due. Due to the failure of the XXXX, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX a representative of the XXXX, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in XXXX was XX/XX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XX/XX/XXXX reported to the consumer agencies. XXXX establishes that the date of XX/XX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in XXXX XXXX establishes that as the guarantor of the loan the XXXX purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XX/XX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XX/XX/XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XX/XX/XXXX, seven years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the XXXX states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a credit with capital one and they reported a credit card payment of 30 days in XXXX of 2017 but they charged a late fee in XXXX which was refunded back to me because it was an error but they will not remove the 30 day late payment in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have sent two separate letters to ask for verification of a debt. The collection company a letter stating they have acquired and now owns the account. I do n't have a contract with this company and its not my debt. I have asked for a copy of the credit card application with signature and still I have not received nothing from them. I sent them a letter in XX/XX/XXXX. They refuse to remove this from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
The loan modification was submitted to the lender on XX/XX/2017 - the lender is refusing to review the file due to an upcoming sale date - The lender is in violation of RESPA, they accepted the package and have refused to postpone the sale date to allow the review to take place.

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 2017-03-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
After several years and XXXX offers from the same buyer, my lender finally responded to an offer and approved the short sale on my home. This was only after a complaint was submitted to the CFPB on my behalf by the Whitehouse as a result of a letter I had written to President Obama. Prior to closing the buyer requested an extension of the time to close. Her XXXX mother had recently spent time in the hospital and a XXXX. She was unable to travel and could not be left alone. The buyer is her sole caregiver and they live in Oregon. The request along with an explanation was faxed to the lender on XX/XX/2017. The closing was to take place on XX/XX/2017. On XX/XX/2017 I received a letter from the lender ( dated XX/XX/2017 ) stating that I am not eligible for a short sale at this time.

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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. 

Thank you

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 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent proof of identity theft to the XXXX credit bureaus they have not acknowledged the information or removed any of the accounts. I have done this on 4 occasions in the last year, i have gotten a police report, ftc affidavit, and requested the bureaus to send me proof of these items that they are saying i recieved gainfully. I do not know what else to do at this point. I have done everything that was requested and they will not remove the items

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 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Received two letters from XXXX stating that my accounts with XXXX were being sold to a collection agency XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with XXXX credit Bureaus Transunion, XXXX and XXXX and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my Transunion report which made it seem like I had XXXX past due accounts instead of just XXXX. Transunion reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} XXXX shows both XXXX accts the same as Transuion but no XXXX accts. 
XXXX shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XXXX. I never signed a contract with XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from XXXX bureaus as they are inaccurate

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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX accounts are being disputed as not having a contact with those companies. All I received in return was a page that said updated information and an account number. I am looking for this debt to be VERIFIED AND VALIDATED. I need proof that these accounts belong to me, and that I signed up for them.

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 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a charged off account ( XXXX ) that is scheduled to come off my report on XX/XX/2017 according to Experian. I have credit reports records for the last five years and they all say THis Account is scheduled to continue on record until XX/XX/2017. I asked for the account to be removed the beginning of XX/XX/XXXX via dispute but when I got the results Experian states that it will be removed on XX/XX/2017.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed XXXX XXXX XXXX XXXX # XXXX .... because it does not belong to me. Experian claims they verified this information to be correct and because of that they locked me out where I can continue to dispute this account online. I would be impossible to verify this account because it does not belong to me. I called XXXX XXXX XXXX XXXX and they have no record of me. Please remove this 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 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian refuses to remove inaccurate information from my report and they refuse to give me names of who investigated and how they did such investigations. They refuse to send me signed contracts and documents they have on file for me. I 've asked for this information multiple times. I have no knowledge or contracts with any of the said accounts : XXXX, XXXX, XXXX, XXXX, and XXXX. They are reporting XXXX amounts XXXX on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
I have submitted multiple complaints against Specialized Loan Services, LLC ( SLS ). My account has been grossly mismanaged since they assumed responsibility for servicing it. I am told one moment my account is current and then I receive past due notifications. I have spoken with multiple people at SLS over the course of over 2 1/2 years and today again ( XX/XX/XXXX ) spoke with multiple SLS representatives and was told different scenarios about my account ... I 'm current, I 'm past due, they need to do more research. I was told on XX/XX/XXXX by XXXX in SLS 's Executive Branch that my 'missing funds ' were found and a letter was mailed to me on XX/XX/XXXX explaining everything and verifying my account is current. However, to date, I have not received any such letter but continue to receive weekly past due notices. I have paid {$520.00} toward extra principle and never have those funds been acknowledged or applied to my account. SLS is not transparent in the handling of my mortgage payments. In addition, due to their mishandling of my account, my credit report has been affected negatively. This has been going on for over 2 1/2 years and I need SLS to be transparent and be held accountable for what they are doing ( or NOT doing in this case ).

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 2017-03-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Bleier & Cox APC
State: TX

Complaint narrative:
A lawsuit was filed several months after I had moved to another state from the state of California. Documents were mailed and served to my old address in XXXX When I was made aware of the suit, I contacted the law office and was only able to speak with case associates who refused to acknowledge that I was not properly served. They have now gotten a judgement and filed for wage garnishment and I was not notified of either. Whenever I call the law office I am told different things and spoken to very harshly and without any respect. I was told they do n't have to do anything because I lived in California when the suit was filed and would not allow me to submit any proof and refused to do anything to rectify their error except make a settlement with me for a monthly payment that I could not afford. I also was threatened with if they remove the lawsuit from me then they would garnish my grandmothers assets because she is a co-signor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is erroneously reporting inaccurate information regarding my real estate loan with CitiMortgage. My account is open, with a balance, and is in good standing. However, Equifax reports that it has a zero balance, inaccurate payment history and is not in good standing. XXXX and I have repeatedly sent Equifax documentation ( attached ) to provide them with correct information but they continue to report incorrectly. Equifax continues to report erroneous information on my account regarding this account. 

Attached : Equifax reinvestigation confirmation XXXX dated XXXX XXXX, XXXX ; My letter to Equifax dated XXXX XXXX, XXXX, XXXX of the letters that XXXX sent Equifax dated XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: NJ

Complaint narrative:
I made a debt purchase at XXXX. I decided to return the purchase but did not have my debt card I used to pay for it. They informed me as long as I used a debit card the refund should go through fine. Netspend reporded the return as fraud. I emailed them the receipt I had as proof it was a transaction I did yet they claim to be unable to release my money. Their claim is that my only option is for the store to certify the return and the netspend will send them funds ( reverse return ). Store claims this is not an available option once the merchandise has been returned. I have been going back and forth with Netspend for a year now to close my account completely. I have run out of options and patience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I have asked the collection agency as well as the hospital that sold the debt to provide me with paperwork that shows why I went to the emergency room and a summary of charges so that my insurance provider can correctly pay the amount owed. The hospital stated that I did not have insurance when in fact I do have insurance because the same hospital was able to get the physician charge settled through my insurance. I have called both the hospital and the agency to get this taken care of and to do get the correct paper work so that it can be settled and have been given the run around. As a result this has been placed on my credit report as a negative marking and has impacted my credit score because of it being considered a collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
The current holder of the student loan provided a XXXX for XX/XX/2016 that showed XXXX interest paid. I calculated the interest from their website and paid {$1000.00} in interest, which their representative acknowledged. When I contacted the lender they advised that they had over-reported my previous tax years interest payments, so they were making an adjustment this year ; therefore, they will not report the XX/XX/2016 interest paid. If their records show I paid more in interest, that means I paid less in premiums so my loan is not being paid down as it should. Two problems : 1 ) I do not get credit for interest paid in XX/XX/2016, and 2 ) by the lender applying a larger percentage of my monthly payments to interest, I am not getting full credit for paying the premium,

Company response to consumer: Closed with explanation