vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The Bank of America froze ALL of my bank accounts after receiving a temporary order in a divorce case, that is now final. They are still holding my money as frozen, and their legal department will never talk to me or even send me info on when the money will be returned. it appears they 'charged ' me for the legal hold as well and are trying to steal my money. the divorce is final and i need my money back, there is no reason that they should be holding it.
Also, the order that they were provided by my x-wife 's attorney stated clearly that they were only to put a hold onto XXXX account. They went and took money from ALL my accounts including my son 's college account that was his money he was using the account. This was not ordered by the court, Bank of America just did this on their own.

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 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALE Solutions, Inc.
State: GA

Complaint narrative:
We are renting funrintire through ALE solutions after our home was destroyed by Hurricane Matthew. After delays from our mortgage company which we tried to work with them about they came to take the furniture and housewares. They came on XX/XX/XXXX. We offered to give them some of the items that were n't needed but we were told by XXXX after he spoke to someone on the phone to not pick up anything because it was easier to get it all at once. We explained the situation and on X/XX/17  we received a threatening email from XXXX XXXX. We had explained the delay because of the part of XXXX XXXX delaying our checks being endorsed to finish work on the original property. She had told us if we did n't pay them approx {$1600.00} them they would start legal procedings and have us arrested for theft of property. They have already picked up half the items previously and are charging XXXX XXXX and trying to charge us for the full amount of items even though they were returned. We have XXXX small children XXXX,XXXX,XXXX and XXXX and one son is a XXXX XXXX. This is unacceptable

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: NJ

Complaint narrative:
Received a response from CoreLogic/SafeRent on XXXX/XXXX/2017, to the dispute i filed, but the issue has not been resolved.
Company did delete 1 of the 10 " court filing inquiries '' that were in dispute but refuse to delete the rest ... Even when I expressed to them that the information they are reporting is false & misleading, and also provided documentation from my current rental property manager, that I have never been evicted, had any judgements against me or owe any balances!!

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 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am a XXXX Veteran who became late because of confusion from the VA dept. They suspend my payment by error, and I had no income. I became default on my mortgage. I was able to get everything corrected with the VA department and I now receive my full benefits again. I tried to apply for a modification because I resolved my hardship. Nationstar declined me because I make to much money? Unable to reduce the payment I have been told. I am trying to avoid a foreclosure.
<P/>
I am a XXXX veteran on a fixed income. I was injured in XXXX XXXX and this is the only income I will have for the rest of my life. I was in the XXXX from XXXX - XXXX and I have fought in the XXXX XXXX.
<P/>
I am not trying to lower my payment. I am trying to save my home from a situation I could not control. I want to avoid a foreclosure or a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: NJ

Complaint narrative:
There are two collection accounts on my credit report that I have disputed several times through the credit bureaus, directly with the collection agency and through the Better Business Bureau. Each time it comes back verified but they have failed to provide proper documentation that supports their claim. They are in violation of the Fair Credit Reporting Act by reporting inaccurate information and in violation of the Fair Debt Collection Practices Act by not validating the debt. <P/>The accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I started at XXXX XXXX XXXX in 2002 in XXXX VA. They made me use my parents income even though I did n't even live with them. Some how I ended up with 4 separate loans and I had no ideal what I was getting myself into back then. The loans went to XXXX first which is the company that used my social security number to obtain a loan through XXXX XXXX XXXX without my permission. They took that money and paid the government loans off and began adding interest. After several years they passed the loans onto Navient and added more money.Now Navient is telling me that I still owe the government and that As of now I owe them XXXX in accrued interest. And every payment made has to go to the interest and fees first before the principal amount that was originally borrowed. Thats so that they will still have a large loan amount to add interest to because if the loan amount were smaller that would be less interest for them to add. It is totally unfair to have to pay Navient XXXX for money that I did not borrow. I 've ask Navient for a copy of the promissory note that they claim I signed but I still have not received any proof. Also I called XXXX XXXX College for proof and they have changed names since 2002 and do n't have any information on me because they said that they did n't scan documents back then but they maybe able to find something signed in some storage place where they send old files but maybe not. It 's a complete scam from both XXXX XXXX and Navient and XXXX. They are trying to collect money that is n't owed. I dont know what to do! I need help with this to get these loans removed and to file a law suit if possible. And as far as XXXX taking a loan out with XXXX XXXX XXXX with my Social Security Number is complete fraud. They said it was an electronic signature. I bet it was because It was n't me. If it takes giving this degree back to XXXX XXXX College thats fine with me. It 's useless anyway since they 've changed names twice and ripped so many people off. I have never once use the so called degree. I just want my life back. At this point I ca n't get a car loan or a home loan do to my credit being destroyed by these schools loans. If I owe XXXX in accrued interest that is the same amount of my fourth loan with Navient so Technically I should n't have a fourth loan. I 've paid what I owed over these 15 years a long time ago. Please help me prove that Navient XXXX and XXXX XXXX College have committed fraud against me and probably many others. Thank you for any help that you can provide and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: WI

Complaint narrative:
On XX/XX/XXXX I submitted a complaint through cpfb because Experian refused to move a collection account in the amount of XXXX from XXXX XXXX that did not belong to me after I put in a dispute with all three credit bureaus, and the other two removed it  because it could not be verified, however Experian told me to work with the collection agency & the collection agency said I needed to contact Experian. The results came back on XX/XX/XXXX with Experian responding saying that wanted proof of my addresses from the last past two years, a copy of my Id & SSN card, I sent all that into Experian & I was informed they did n't receive it. And it was definitely sent to 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 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank closed my account at XXXX XXXX XXXX, no notice, no written notice, nothing, app still looks like my account is fine, they will not let me withdraw my money ( yes balance is positive ) nothing. Husband went to branch, they said 'we have the right to close your account, we are not telling you why ' we asked if we could have money for food, no, we have a XXXX year old who had nothing to eat.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
XXXX sent an incomplete order, with no pants. I immediately called and requested the item or a return label. This was followed up with multiple emails, alm to no avail. I contacted my credit card issuer, Navy Federal Credit Union and sent them the information regarding the dispute. To this day, I have not received a credit, nor has my dispute been settled. I have still been charged for goods that were not what I ordered. Navy Federal Credit Union takes a very long time to respond to each request. Yet when I submitted documents as they request of me, I still do not receive timely response, if at all. I last contacted Navy Federal on X/X/17 and again today. I need my money credited back to me. This has been far too long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are XXXX collection accounts on my credit report that I have disputed several times through the credit bureaus, directly with the collection agency and through the Better Business Bureau. Each time it comes back verified but they have failed to provide proper documentation that supports their claim. They are in violation of the Fair Credit Reporting Act by reporting inaccurate information and in violation of the Fair Debt Collection Practices Act by not validating the debt. <P/>The accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - 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 2017-07-12 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:
There are XXXX collection accounts on my credit report that I have disputed several times through the credit bureaus, directly with the collection agency and through the Better Business Bureau. Each time it comes back verified but they have failed to provide proper documentation that supports their claim. They are in violation of the Fair Credit Reporting Act by reporting inaccurate information and in violation of the Fair Debt Collection Practices Act by not validating the debt. <P/>The accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - 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 2017-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
I would like copies of all of the loan documentation sent to me. That includes copies of the loan documents, recorded documents and any and all documentation related to this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On  XXXX   XXXX ,  2017  the compan y Portfolio Recover Associates, LLC. took  me to court regarding an account they purchased form  XXXX   XXXX   XXXX   XXXX   XXXX  for {$1100.00}. This was not my account as a result of identity theft. The day of court  XXXX  2017  the case was dismissed  by Portfolio Recover Associates. They continue to report this misinformation on my credit and refuse to remove it. They  continue sending me Dispute Forms requesting information from me from as recent at  XXXX 2017. They also sent me documentation Stating this account has been resolved and the current balance is {$0.00} and settled. They refuse to remove this from my credit. l left messages with their attorney  XXXX   XXXX  and she has not returned any of my calls. Can you please help me get them to remove this from my credit.   Regards,  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: RI

Complaint narrative:
multiple phone call to my prepaid cell phone from way point resource group XXXX no messages hang up phone calls as many as 4 per day no contact by mail or on my home phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I receive a cancellation on debt on XX/XX/XXXX, for account # XXXX, meanwhile Macys is still reporting and colleting on this card, when by law they can not, they cancel the debt since it was froud. I contact the recovery department who is Citibank internal recovery on XX/XX/XXXX i spoke to someone by the name of XXXX ID # XXXX who told me i owed the money and it would be reporting on my credit until i paid it. I explained that i pay taxes for that debt, i asked to speck to supervisor or mananager, she told me that Managers or supervisors dont speak with Debtors.

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 2017-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: VA

Complaint narrative:
Xoom advertise is send money to your relatives in less than 5 minutes. I have been using them for a while but recently they have been holding my money for days. My family had an emergency back home and I needed to send money. I went to their system and started the transfer, day 1 passed nothing, day 2 nothing. I called them and they said they were working on the transfer that it could take between 4 to 12 business day. I canceled the transaction. I got a cancellation notice, but they went ahead and withdraw the money from my bank account. I called them asking for the refund and was told it will take between 5 to 10 days before i get my money back. It 's US XXXX plus {$4.00} service fee. After the incident i went on line and start reading on the XXXX  communities and they are lots of complains.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In the last few months I have contacted transunion in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that transunion would have to remove the inquiry. Today after learning about a glitch that transunion had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX 2017. I placed fraud protection on my credit report a requested that these inquiries be remove as well. Transunion response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved 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 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, My husband and I have a mortgage account with Bank of America and are extremely frustrated with the mishandling of our account, below are details of our complaint : We filed for Chapter XXXX Bankruptcy protection in XX/XX/XXXX to avoid Foreclosure, this was due to the increased payment amounts. We modified our mortgage around the same time and were able to save our home. Since the modification we have made every single payment on time. My bankruptcy finally discharged on XX/XX/XXXX, once Bank of America received the discharge paperwork they immediately proceeded to Bill me for an extra payment they said is missing ; from XX/XX/XXXX. They used funds from this payment to cover administrative bankruptcy fees that were never approved by the court and a proof of claim was not valid, due to me no longer being in arrears, they retracted the proof of claim. I 've made several attempts to get them to understand this issue and make appropriate adjustments, but I receive a different answer every time. In addition to this issue, they 've also reported me late for several months during my bankruptcy, I believe this to be a direct FCRA Violation. They claim they have submitted corrections to the credit bureaus, but I have not received confirmation. Please assist me with getting the bank to comply.

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 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I was approved for a loan modification, however the figures used were incorrect. I asked the bank to please relook at the figures before I committed to a loan modification. Bank states this is what they have on the financials for me Gross pay {$14000.00} Net {$10000.00} {$6800.00} - Extra income to work with each month. ( Wrong ) My actual income gross monthly is this : XXXX {$5800.00} Gross XXXX {$3000.00} Gross I was told by the bank that the foreclosure sale on XXXX.17 would be postponed while this was appealed.However the court docket shows as follows : Sheriff # : XXXX-XXXX Court Case # : XXXX Sales Date : X/X/2017 Plaintiff : M & T BANK Defendant : XXXX XXXX. XXXX, XXXX AKA XXXX XXXX XXXX XXXX , AKA XXXX XXXX XXXX, XXXX, ET AL Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX Approx. Upset* : {$240000.00} Attorney : XXXX XXXX  XXXX, XXXX Attorney Phone : XXXX Status History Status Date Amount Name Scheduled X/X/2017 {$0.00} Plaintiff Buy Back X/X/2017 {$100.00} M & T BANK When I call the bank they state the home did not go to sale but will not instruct XXXX XXXX to correct the recording with the courts.

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