vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITIBANK SOLD THIS ORIGINAL CHECK AS A SECURITIES INSTRUMENT AND MADE PROFITS, IM TRACKING IT DOWN RIGHT NOW, AND THEY CLAIM I OWE THEM? YOU GOT TA BE OUT OF YOUR XXXX XXXX  MIND, I HAVE THE RIGHT TO KNOW WHAT ALL THESE NUMBERS ARE AND WHERES THE ORIGINAL INSTRUMENT WITH MY WET INK SIGNATURE, BUT XXXX WANTS TO PLAY WORD SEMANTICS WITH ME AND USE DISTRACTIONS, THERE IS NO VARIFIED CLAIM FROM A COMPLAINING PARTY, AND NO ''BILL '' WHICH WOULD DEFINE ''SOMETHING OWED '' MANY MANY TYPES AND COUNTS OF FRAUD GOING ON RIGHT HERE FOLKS AND I HOPE PEOPLE LEARN FROM THESE COMPLAINTS OF THESE XXXX XXXX XXXX XXXX. SO WHY IS THIS CHECK BEING TRACKED TO A FINANCIAL INSTITUTION IN XXXX? LOOK UP NUMBER XXXX, AND ITS NO COINCIDENCE BECAUSE I HAVE OTHER CHECKS THAT TRACE BACK TO XXXX ALSO AND IM INVESTIGATING THIS FRAUD, LOOK UP ALSO XXXX,, ANOTHER CHECK TRACED TO XXXX, HERES THE LINK http : 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 2018-02-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I close in my home ( XXXX XXXX XXXX, XXXX XXXX Florida XXXX ). 
Attached all documents related to this closing of my home in XX/XX/XXXX. 
I moved many times after I sold the house and somehow I continued paying the bill thinking that I owed them after the closing. I stopped paying the bill as soon as I contacted the Title company and they sent me the copies of the cancel check. I contact Chase in XXXX and sent them all the documents of the closing. I tried to talk to them at that moment but they know how to harass but they never gave me feedback or anything to resolve the situation. Suddenly, they stop harassing and sending letters. I thought that this was resolve until I receive the 1099-C. 
Yesterday, XX/XX/XXXX, I called the phone number that is on the letter received XX/XX/XXXX ph:XXXX x. XXXX XXXX XXXX and sent for the second time all the documents via fax ( XXXX ). Today, I called to follow up and verified that she receive the info. She confirmed receiving the documents and also she sent a dispute notification to research about this claim. She stated that I should call them back in two weeks or so. 

I dont think anyone should go through all this if this was paid off. 
I want to report Chase with address : XXXX XXXX XXXX, XXXX CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OK

Complaint narrative:
I have been notified by the Oklahoma tax commission on XX/XX/XXXX that our property taxes have not been paid. I called Loan Care XXXX our mortgage provider of the discrepancy on XX/XX/XXXX. We have all of our escrow up to date and paid with our payments. They stated on XX/XX/XXXX they tried to pay but the parcel wasn't in our name. They assured me they would handle it. I reached out to the Tax commission office and Loan Care had requested the tax letter at the beginning of XXXX which was mailed to them on XX/XX/XXXX. I have since called ( greater of four times ) and submitted the letter to Loan Care with no resolution. I know have received a letter from Oklahoma Tax commission office stating we would have a tax lien placed on our home if taxes are not paid in full by XX/XX/XXXX. When you contact customer service they typically make you wait long periods before answering. I have waited hours on the call back system they have in place. When I asked for a direct line I was told there wasn't want to give. When I called today I was placed on the phone with a supervisor who left her contact information and guaranteed a resolution in 48 hrs. XXXX XXXX XXXX XXXX. This is the second time I've been told 48hrs to resolve.

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 2018-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have for many years tryed to find out about my loans and payments its been over 4 years since I have recieved any bills or even mail from them. I get things from the government but not from the lender. I was told that my credits would transfer if I went to a different college to find out that is false. Not one of my credits are eligible at any college. I would have never went to the private college XXXX. XXXX  is shut down because of that reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Secured Resolutions, LLC
State: NY

Complaint narrative:
In 2017 I was given a credit monitoring alert that a collection account was added to my credit report from Secured Resolutions not knowing anything about this company or debt I tried to get information to validate this information reporting on my credit report. I notified the collection agency asking for validation of the debt. They attached information which is enclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''.  However, there are several Fair Credit Reporting Act violations AES advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I received a collection notice from ERC stating that I owe for an XXXX XXXX XXXX account that I have never had. ERC alleges that I owe {$290.00} but that they would settle for {$110.00}. 
ERC also lists an account number that I have never had. I mailed a letter of dispute and have yet to hear back. 
I also googled ERC and XXXX XXXX XXXX collections and found that there are tons of other people that ERC is sending these same letters to for fraudulent accounts alleging that money is owned to ERC on behalf of XXXX XXXX XXXX. Many people have had to file police reports for identity theft and fraudulent claims because of ERC. 
In the letter sent to me, ERC is threatening to report this fraudulent account to the credit bureaus. I was one of the many effected by the hacking of XXXX  so I am extremely concerned that my identity has been indeed stolen, especially since I have a very common name. On the XXXX XXXX XXXX online customer forum, there are so many people that have had their credit ruined for fraudulent XXXX XXXX XXXX collections. This is very scary. I am also filing complaints with the Texas Attorney General, the XXXX   and the XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my 3 credit reports I found several inaccuracies. I decided to write a letter of dispute to them all. Initially XX/XX/XXXX ( this is the date that the letter was delivered to EquifaxXXXX ) was the first letter of dispute that I mailed disputing hard inquiries showing on my credit report. They came back explaining to me " how '' queries are inquired. I then sent a second letter of dispute for the same which was delivered to them on XX/XX/XXXX and again I received the same reply from them. Not sure what else I can do to get these inaccurate queries off of my report as they are hindering my status. Please advise /assist. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion charged me for " credit monitoring '' which I never signed up for. I was trying to get a copy of my credit report and it said they needed my credit card number as a way of verifying my identity -- then they started charging me a fee of {$19.00} a month. I wasn't told before the charge appeared on my credit card statement and when I called, they were extremely obstinate in insisting that I had enrolled in this service. I never received anything for this service ( e.g. any kind of updates on my credit or credit history ) and I think their whole raison d'etre was to charge my card and stay below the radar hoping I wouldn't notice it on my statement.

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 2018-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Revenue Corporation
State: TX

Complaint narrative:
On XX/XX/2018, I received a call from an XXXX phone number that left a voicemail to call them back or they were going to send someone to serve me. I called the number back and spoke with XXXX XXXX, she verified my name and I asked who she was with and said she was with an attorney office. I asked if this was a government attorney office since it came up as an XXXX number and she said yes, so asked the name of the office and she told me XXXX XXXX XXXX. I advised her that I knew that is not an attorney 's office because I have filed a dispute with them for debt validation. She stated they were sending someone out to serve me with papers for a lawsuit. I advised her I knew it was illegal not only to represent herself falsely, but to threaten me with suit espically when I am disputing the claim, and I was going to file complaints with the State of Texas XXXX  XXXX and CFPB. She at which point said that was ok and asked if I would like to speak with a manager. I replied No. The same company also called my husband 's cell phone and left the same threatening voicemail for me. When my husband called back and spoke with an operator she stated they were sending someone our to serve XXXX XXXX with papers for lawsuit. He stated she can not call him regarding XXXX 's matters and hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
A western union international transfer for {$110.00}. MTCN XXXX was processed yesterday XX/XX/2018 successfully. However, their was an unauthorized cancellation of that transfer and the money was not available as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient Logo Document Upload We need a clear copy of the General Forbearance Request form. Attach documents by selecting a file and clicking the Upload File button below. To attach documents, select the browse button to find the document you wish to upload, then select the Upload File button. Once you have completed those steps for the documents you wish to send, select the Submit Documents button. 

Maximum Size : 5 MB ( 5,120 KB ) total per Document type. You can upload any number of files but the total size of all the files under one Document type can not exceed 5 MB. The upload is fully encrypted so please ensure uploaded PDF documents are not password protected. Note : We will not be able to process password protected files. 

Allowed File Types : JPG, JPEG, PDF, TIFF or TIF General Forbearance Request form The file you are attempting to upload is not in a format we can accept. Acceptable file types are JPG, JPEG, PDF, TIFF, or TIF. 


Browse -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This makes it virtually impossible to send anything to them as they refuse to confirm unemployment status with the state unemployment office. I have docs to send but every time I try, it says that the doc exceeds 5 MB which is too small of a restriction or that it is not in one of the 5 types above. Except for PDF, who uses those others for docs? And I can not convert what I have into PDF. They could choose to accept WORD docs but they don't want people to have that ease. This is intended purely to make getting a deferment more difficult and impeded. In addition, I already sent what they want as an attachment in a regular email, which they now claim they do not have. Plus how many poor and unemployed people really have a fax?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Acceptance Solutions Group, INC
State: GA

Complaint narrative:
Threatened with lawyers, screamed at, repeated calls as late XXXX est. yelling and singing loudly in my ear by rep XXXX. Told I dont want to pay my bill. Hung up on when trying to discuss debt. Refusing supervisor or manager. Calls as much as sixteen times a day. Company is XXXX XXXX Illinois and XXXX XXXX. Calls from multiple Tennessee numbers, I have a Tennessee cell phone number. I have told multiple reps to only contact me via US mail only to be told that under my contract with the original lender, XXXX XXXX XXXX XXXX Illinois that US mail isnt an option. Please help me stop these people, they are making my life XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: AZ

Complaint narrative:
I received communication in the mail involving a debt sold to the company XXXX XXXX XXXX in early XXXX. On XX/XX/XXXX, I submitted a request via certified mail for a validation of this debt. The company did not respond then in early XXXX, around the XXXX, reported this debt to XXXX and XXXX on my credit though I requested the verification of this debt. I attempted to call them numerous time from XXXX to XXXX and have not received any contact or communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
I applied for a checking account with a {$200.00} bonus from BBVA. I met all the requirements that they listed but it's been almost 4 months and they haven't deposited my bonus. They also don't respond to inquires about this, and have overall very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I'm sorry I did not document the dates I contacted Chase Bankruptcy 's Department XXXX. It was a few times since the year XX/XX/2011. I asked them why they would not report my payments ( which were all timely ) to the credit bureau 's and I was told because I went bankrupt. I don't understand for I asked my lawyer not to include them in the bankruptcy. 

In my last conversation with them I asked them ; " If after the 10 year period, which is soon, will you report my payments then? 

They said no. In other words, forget about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Customer service does not have a contact phone number and takes an excessively long time to respond. 
Customer service is deceptive, unresponsive, and frequently inaccurate in their response. Multiple attempts at wire transfers failed to a previously authorized account. Inaccurate instructions were provided for 5 weeks in an attempt to resolve resulting in funds that are trapped with this supposed exchange. 
Inability to wire funds to New York State or Washington Site unavailable for over 10 days due to failed software update No ability to withdraw funds via manual check forcing additional fees to send money to another exchange if your bank account is in Washington or New York!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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:
After reviewing my 3 credit reports I found several inaccuracies. I decided to write a letter of dispute to them all. Initially XX/XX/XXXX ( this is the date that the letter was delivered to XXXX/Transunion ) was the first letter of dispute that I mailed disputing hard inquiries showing on my credit report. They came back explaining to me " how '' queries are inquired. I then sent a second letter of dispute for the same which was delivered to them on XX/XX/XXXX and again I received the same reply from them. Not sure what else I can do to get these inaccurate queries off of my report as they are hindering my status. Please advise /assist. 

Thanks.

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 2018-02-28 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:
After reviewing my 3 credit reports I found several inaccuracies. I decided to write a letter of dispute to them all. Initially XX/XX/XXXX ( this is the date that the letter was delivered to XXXX/Experian/XXXX ) was the first letter of dispute that I mailed disputing hard inquiries showing on my credit report. They came back explaining to me " how '' queries are inquired. I then sent a second letter of dispute for the same which was delivered to them on XX/XX/XXXX and again I received the same reply from them. Not sure what else I can do to get these inaccurate queries off of my report as they are hindering my status. Please advise /assist. 

Thanks.

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