vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: MA

Complaint narrative:
In 2017, I cancelled a gym membership with " XXXX XXXX ''. ( XXXX XXXX XXXX XXXX, XXXX, RI XXXX ) The terms of my agreement allowed me to cancel my membership if moving outside an area covered by an XXXX XXXX  franchise location. Two years after cancelling my membership, I'm receiving debt collection messages from TWO different debt collection firms. I responded to the first debt collection firm and they stated they would follow up with information validating the debt. They never did. I'm now receiving debt collection mail from another firm. ( More than one year later from my cancellation date ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
On XX/XX/2016, I was given the go ahead to buyout my rental lease and was given the information that I must pay approximately {$2300.00} and be out by the end of XX/XX/2016. I paid that total and still had a {$1000.00} deposit to apply to any damages. When we left we took pictures and there was nothing wrong with the house, but then they put on our credit report that we owe over {$1600.00}. They send a detail statement that says we owe for painting a house that we have been there for over 2.5 years and the original company was brought out by two other companies and no one came to do a walk through from previous XXXX. I have tried numerous times to rectify with current company, but they have sold to a third party and they have no idea the 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 explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
In XXXX I opted into a biweekly payment plan with Ocwen, and made my payments under the belief that I was paying down my mortgage with a thirteenth payment. In XX/XX/XXXX I made a payment at the beginning of the month, and I was in a automatic debit program with Ocwen. After the first payment in XXXX I noticed none of my payments were being withdrawn from my account and contacted Ocwen on XXXX XX/XX/XXXX to enquire why my payments were not being debited. Upon speaking to the representative he stated that the automatic debit system was down and stated that I could not make a payment until XX/XX/XXXX. In XXXX I made a mortgage payment and waited for Ocwen to request the back mortgage owed, I was afraid if I made the two payments they would just go to principle and I would still owe the 2 back payments. Around Spring of XXXX I received a call from Ocwen where the female representative stated that I qualified for help from a Maryland Agreement, and I was afraid they were foreclosing from my missing two payments, but after discussing reducing my principle the representative stated " Oh this is a VA mortgage, you don't qualify '' then she hung up. In the Fall of XXXX I received a letter asking me to opt into a review of my accounts with Ocwen, and I agreed hoping whatever happened in XXXX thru XXXX of XXXX would be revealed and I could find out what happened, I was afraid at this point they had just extended my mortgage 2 months. I recently called them after a year had passed and I never heard what happened to my mortgage review and now I know what they did, they cut off the automatic debit on XXXX XX/XX/XXXX and used my two years of biweekly payments to cover the two months the system was supposedly down so that I could accrue extra interest for those two years, and when I asked them why offer the biweekly payment plan if they weren't going to credit it to the account the representative said it was there so I could pay ahead on my mortgage ... .that is not how the product was sold to me. So to sum it up, they cut off debit, lied to me just to steal two years of principal off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hard Credit Inquiries on my XXXX  and Transunion Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with XXXX XXXX on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met XXXX AND TRANSUNION : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. XXXX  and Transunion continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked Transunion and XXXX   to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that TRANSUNION AND XXXX  INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of TRANSUNION AND 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 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hard Credit Inquiries on my Equifax and XXXX Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with XXXX XXXX on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met EQUIFAX AND XXXX : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. Equifax and XXXX continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked XXXX  and Equifax to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that XXXX AND EQUIFAX INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of XXXX   AND EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Fraudulent Inquiries.

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 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX., XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX - XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: IA

Complaint narrative:
I set up recurring payments for my final mortgage payments. I set it up for 3 payments. XXXX made 6 payments, the last of which was never returned/rejected by the mortgage company. 

When I contacted customer service, they literally said " Our Technical Team is actually aware of this glitch and they're actively working on resolving it, These payments were actually sent via the electronic method. This means I don't have a way to action them from my end. '' I had to file a complaint with the CFPB to even get a response from the mortgage company, but so far nothing has been resolved. But the fact that my bank can give away my money in error and just not do anything else about it is horrible. If I gave away their money, I would be in jail. 

They made 3 payments in error, I have received 2 back, and they refuse to help with the 3rd one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been denied my benefits when using this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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:
i deposited my normal monthly amount work payroll check from my employer on XX/XX/18 and was given a receipt and told by the teller that my funds would be available the next day XX/XX/18 at XXXX XXXX. bank of america changed my status the morning of XX/XX/18 after I was told by the teller and via my online account access that it would be available XX/XX/18 at XXXX XXXX, they changed to hold til XX/XX/18 after XXXX XXXX. this caused a delay in my bills being paid in a timely manner without consequences

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 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It was necessary to unfreeze my credit score in order to co-sign a real estate loan for our daughter. This is an urgent and time sensitive family matter. I have tried 2 times in the last 24 hours to unfreeze my credit at Experian, receiving a confirmation number and it is still unclear that the freeze has been lifted. The mortgage co was unable to access my credit score today, after my 2nd go around with this company to lift the freeze. 
It is IMPOSSIBLE to locate a live person on the phone with this company. I did use the chat function today with an Experian representative who was completely incompetent, after I explained numerous times what my problem was, that I needed to make sure my credit report is unfrozen, he " researched '' and came back with comment that he " saw no free offers on my acct. '' He wasted my valuable time. 
This is completely unacceptable. I did not give my permission for this company to have access to my credit in the first place. I have been forced to put freezes on all my credit reports because of the nation wide breech some months ago. MORE INCOMPETENCE.

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 2018-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I posted a guitar selling post on XXXX about two weeks ago. A buyer who claimed himself to be XXXX XXXX emailed me on XX/XX/2018, saying that he would buy it and asked if I would take cheque. I agreed. He then emailed me a XXXX tracking number saying that this contained the check, which his secretary mistakenly wrote {$1400.00}, instead of the {$200.00} I originally asked for for my guitar. He said that this was a mistake and asked me to send the difference ( {$1200.00} ) to his mover, XXXX XXXX, who will pick up the guitar. He also told me to send this money through XXXX, which was the office money transfer service of a bunch of banks such as my bank, Bank of America. I sent out the {$1200.00} after I cashed the {$1400.00} check on Tuesday, XX/XX/2018. The next day ( XX/XX/2018 ), I found out that the check was returned. So I lost {$1200.00}. The check that XXXX XXXX sent me originally has the company name of XXXX XXXX XXXX on it. 

I would also like to complain about Bank America for the following reasons : 1. Letting people use the check money before they are cleared. On the online banking on the BoA app, there is also no place that indicated that the check was not clear. It just says that the money is available. This is misleading as it does not mention any risk involved with a returned check. 
2. Letting XXXX transfer be a lot of U.S. banks ' money transferring service and claiming that it is " secure '' is totally wrong. XXXX transfer is not secure because it does not offer any protection at all, unlike credit card frauds. Instead, BoA should hold the XXXX Transfer in place for a few days until no party create a dispute.

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 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
They closed my account and refused to give me reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: MO

Complaint narrative:
This company ( XXXX  XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$5200.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: NC

Complaint narrative:
Debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Opened the platinum checking account on XXXX in branch. The banker assured me that once the requirement completed. I will receive the {$400.00} bonus. 
Received a direct deposit of $ XXXX within 60 days of account opening. Already contacted the customer service. The {$400.00} bonus has not been posted yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
the former address in my Experian credit report appears two times. the second time appears as multifamily. 

Swapped addresses in my XXXX  credit report. It shows my former address as my current one and vice versa.

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 2018-10-04 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: Consumer Recovery Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/2018, my sister sent me a recorded voicemail addressed to me regarding a civil complaint that was to be sent out as a court summons. The message was threatening and I was surprised as to why and how it was sent to my sister. XXXX XXXX, a local process server, left me this message with a contact number which I called immediately which is XXXX. I was told that I had a XXXX XXXX debt. At the time, I did have the mentioned debt but it was already being handled with a legitimate creditor. That day I made an inital payment via debit card of {$430.00}. For the next five months ( XXXX ), {$170.00} was automatically deducted from my card. Yesterday, I stopped future payment with the companys billing services ( XXXX  ) and also contacted my bank to stop any deductions as well. Yesterday, I got a voicemail from XXXX XXXX, a lead paralegal of the firm. Her number is XXXX. The past two days Ive tried to contact her but I only get her voicemail. There is also a possibility that they reported my refusal to pay remaining balance to credit agencies. My score suddenly dropped 5 points immediately.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, XXXX XXXX, and XXXX. I have called XXXX they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called XXXX XXXX they gave a bank account that was opened in 2014 with fifth third, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a fifth third account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.

Company response to consumer: Closed with non-monetary relief