vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I run   XXXX   XXXX   XXXX   to foreign countries. In  XX/XX/XXXX  this year I took  8  photographers on a legal people to people tour of  XXXX . One of the group sent a wire transfer to my account at Bank of America from  XXXX  and mentioned  XXXX  in the transfer. I never received the funds. When I followed up on XX/XX/XXXX    I was told that the funds were under review. I continued to follow up every few days but I was never allowed to speak with anyone who was involved with the process. I have still not received the funds. This was a legal visit to  XXXX  under a people to people license and absolutely no money was either sent or received from  XXXX . All payments were made through a licensed operator in  XXXX . This can so easily be verified looking at my account transactions.  <P/>  2 weeks ag o, without informing me, my bank account was frozen. On   XX/XX/XXXX  I s poke to someone in the small business department and he told me I could still use my business account. I had already sent out several checks on that account. I also made a transfer to my daughter who needed the money. On Tuesday I get a call from my daughter in tears saying that the payment to her account had been reversed. Again without informing me, my business account had been frozen. I 'm now left with no money, several bounced checks and I have yet to receive an explanation why this has happened. I 'm told I have to present proof of residency although I have lived in the USA for 38 years. I spoke to the bank 's compliance department when I first received a letter asking for this information and I was told they had all the information they needed. This was before my first account was frozen. After the freeze I sent the information as hard copy and still the problem has not been resolved and I still have no access to my money. This is now extremely serious but the people I speak to at the bank appear to have little concern for my situation. They just tell me it 's under review and to call back in a couple of days. I 'm frustrated at not being told what I am thought to have done wrong and how this can be expeditiously remedied. I am never allowed to speak with anyone actually dealing with this case. I ca n't pay my rent, health insurance, phone bills etc. This is an extremely serious situation.

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 2017-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase bank is constant slow showing accurate account information and this has resulted in check fe es. Plus they have  an option to not allow debits if the money is not there and if the company represents itself as reoccurring they take it resulting in negative balance and will not block the transaction no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
This complement is for :  RoundPoint Mortgage   Servicing   XXXX   XXXX   XXXX   XXXX , NC  XXXX  My loan :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  Hi, My name is  XXXX   XXXX , RoundPooint gave me a   XXXX   % reduction to pay off my mortgage and they report to the creditors than I owe Roundport {$5000.00} back in       2014   XXXX  .   Loan #  XXXX  property address is    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  .   <P/> Roundpoint report my mortgage pay off as a short sale when they gave me a reduction to pay off my mortgage. And they reported the  Recording with  XXXX  county w rong. Which they are re-recording that 's what they told me and will ta ke 2 to 3 mo nths. Spoke  XXXX  refused to fix my credit with  XXXX . When I speak to them Roundpoint representative they tell me they did not reported as short sale.   I am not getting my issue solved by my self.

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 2017-06-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complement is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX My loan : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Hi, My name is XXXX XXXX, XXXX gave me a 5 % reduction to pay off my mortgage and they report to the creditors than I owe XXXX {$5000.00} back in 2014 XXXX. Loan # XXXX property address is XXXX XXXX XXXX XXXX, XXXX fl XXXX. <P/>XXXX report my mortgage pay off as a short sale when they gave me a reduction to pay off my mortgage. And they reported the Recording with XXXX  county wrong. Which they are re-recording that 's what they told me and will take 2 to 3 months. Spoke XXXX refused to fix my credit with Experian. When I speak to them XXXX representative they tell me they did not reported as short sale. I am not getting my issue solved by my self.

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 2017-06-10 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AMSHER COLLECTION SERVICES INC Is currently reporting a collection account for   XXXX   on my credit report. However, AMSHER COLLECTION SERVICES INC is not licensed to collect in the state of Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have attempted in the past to notify this company that my credit was stolen and multiple items were purchased under my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I re-applied in  XXXX  for continuing on  the Income Based Repayment Plan with Nelnet, stud ent loan servicer. Company messaged me to state that they received the paperwork. Company did not contact me again until  XXXX  to state that my payment would be double (!!! ) from what I have been paying ( and that I was no longer in the IBRP program ). Upon calling, I was told the form I sent it was " expired. '' However, the form had an expiration date on it for   XXXX    (    XXXX   XXXX   ). The company also stated that they had sent me an email ( they did not ) and regular mail ( they did not ). Thus, I had not been notified of this " expired '' paperwork. Upon speaking to  a manager, it was acknowledge that it was Nelnet 's error and they would reprocess that paperwork as it was the appropriate forms. Three weeks later, no correspondence from Nelnet except to state that my next payment ( still the increased payment ) was due. I called the company again, and they stated that the paperwork was expired and that they sent me a correspondence to fill out a new form. This was never sent to my email or home address. I now have to take a forbearance as they will not accept the payment I have already been paying for the last year, or quickly process the paperwork ( which according to them was the correct paperwork ) in order to avoid economic hardship. I have based my career on making timely payments in an appropriate loan repayment program and I do not know if forbearance will affect the Student Loan Forgiveness Program. Further, I was told by the company that the paperwork was not expired while on the phone the first time and they rescinded that without ever contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
This debt is not mine, my identity was used to open a line of credit for products I never authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC.
State: CA

Complaint narrative:
I do not know where this credit is being charged for. I have never received services from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: CA

Complaint narrative:
This debt is not mine, I have never received services from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
Syndicated Office System s, LLC Has not answered any of my debt validation letters. They are not licensed to collect in the state of Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I contacted the credit bureau equifax concerning an account with  XXXX  loans for  XXXX  which i sent certified asking them to verify the accuracy of this claim and as of  XXXX   XXXX ,2017 i havent heard back from them i sent this request letter certified since  XXXX    XXXX ,2017  and has never been disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX   XXXX   XXXX   XXXX    Has  not answered any of my debt validation letters. They are not licensed to collect in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: AmeriCollect
State: FL

Complaint narrative:
Americollect inc has listed collection accounts on my credit report. Americollect has not provided me with service details. Americollect inc is not licensed in the state of Florida to collect on debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  inc has listed collection accounts on my credit report.  XXXX  has not provided me with service details.  XXXX  inc is not licensed in the state of Florida to collect on debt.

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 2017-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  inc has listed collection accounts on my credit report.  XXXX  has not provided me with service details.  XXXX  inc is not licensed in the state of Florida to collect on debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-10 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: DISCOVER BANK
State: TX

Complaint narrative:
During the month of  XXXX   XXXX ,  XXXX  i traveled out of town from   XXXX   to  XXXX   XXXX ,  XXXX . During this time i was gone from college for   XXXX   XXXX  . However a few weeks after i got back i got a letter from  Discover  saying i was denied a credit line increase request. I never authorized this as is why i claim it fails to establish " Permissable Purpose '' as noted in the FAIR credit reporting act. I have been with discover for nearly a year and a half. In the past i submitted an aplication in  XXXX  and my credit card application in  XXXX   XXXX . I have never had an issue with the company up until now. During the year  XXXX  i found an error on my   XXXX   credit report of a company named "  XXXX   XXXX    XXXX   ''. I had never had contact with this business as is why i disputed and placed alerts on all my reports. I extended the alerts and the companies are notified that i have to be contacted before extending any credit. After filing a previous complaint discover insists i made this credit line increase request. I will continue to dispute that i authorized the request because i did not apply for any credit. It is to the best of my knowledge to state i still have  those alerts on my files. I recently received correspondence from Discover Executive office of Customer Advo cacy, stating they will not remove that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I authorized the credit card to take money out an one-time payment over the phone for  XXXX  different account s (   XXXX ,  XXXX   XXXX ,  XXXX   ) ow ned by the same credit card compa ny ( Comenity Bank ) for   a specified amount on a specified date. The credit card company drafted the money for  XXXX  account on the date specified  XXXX   XXXX  and authorized by me and drafted the amount for the other  XXXX  account on dates that I did not authorized, 7 days later on  XXXX   XXXX . This caused the bank charge me overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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:
Negative information that belongs to someone else is on my Equifax Credit report. I reported it to them, they agreed that it was not my information but it is still there. The address is also not mine. It is from a pet hospital. I do n't have a pet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Walwick, Inc
State: WI

Complaint narrative:
I called the company on the debt. I gave them my new address and phone number and I asked them to send me the information on the debt. That was  two  months ago and still i have not received any information.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-10 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: AES/PHEAA
State: CA

Complaint narrative:
Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrower  [  your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ).  But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be  discharged  at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  XXXX  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.     HAPPY  XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
The  Loan i applied for has not been approved so i need the approvement to facilitate the loan acquired for. I applied for the Loan on  the  XXXX / XXXX /   2017  and the loan amount is {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
During  XXXX   XXXX ,  201  6 Wells Fargo placed an account for which i never applied for. I called and asked for it to be removed. However Wells Fargo h as only removed the inquiry from my  XXXX  report. It is still in both my   XXXX   and  XXXX  credit reports.   The inquiry : Name  : Wells Fargo Pl & L Inquir y Date :  XXXX   XXXX ,  2016  Phone: 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 non-monetary relief
Consumer complaint received 2017-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i have been seeing on my credit report and account i have with  XXXX   XXXX   XXXX  has been showing negative. i did make a late payment for the first time since i had the card in  XXXX     2016  but never missed any payments since and have aleady paid  XXXX  bill and not due until the  XXXX .  XXXX   XXXX    XXXX   is blaming the credit transunion and transunion is blaming  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