vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Collection Professionals, Inc.
State: IL

Complaint narrative:
I was contacted by XXXX XXXX, advising me that my credit score went down due to XXXX XXXX reported a negative collections on my account. I 'm requesting a investigation and for this inaccurate information on my credit report to be removed. I have never received or agreed to having any cable or any service from them. I transferred my XXXX XXXX services to another address which XXXX XXXX stated they could n't install my cable boxes. XXXX XXXX had to install the boxes XXXX XXXX  XXXX was paid in full for installing XXXX XXXX boxes.XXXX XXXX sent me something in the mail inviting me to have service with them I respectfully declined.I have never set up account with this company nor would I ever use them as my cable provider. I made a formal complaint against them when they installed XXXX XXXX boxes. I was given a credit due to their poor installation services. This company should be fined for charging for service they never provided. I have requested from them to send me a copy of an agreement with my execution of signature and agreement to any service and proof of service their claiming they provided. 
I received a call from a rep at XXXX XXXX stating I owe {$56.00} I asked her what was the charge for, she stated for cable service. I explained to her that I never agreed nor had any service with them. This is company is a fraud. I have a right to choose who I want to do business with. they have reported this on my credit with brought my credit score down almost XXXX points due to this false credit reporting. please investigate and remove this from my credit report immediately.. 
Thanks in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I traded my XXXX XXXX to XXXX XXXX in Virginia. The dealer issued a payoff to Wells Fargo Dealer Services on XXXX/XXXX/XXXX, mailed it overnight on XXXX/XXXX/XXXX, and it was received by Wells Fargo on XXXX/XXXX/XXXX. Tracking information verified this through the dealer. I contacted Wells Fargo on XXXX/XXXX/XXXX to determine why my vehicle still does not show paid off. I provided tracking info with the address and the information. I was told there was nothing they could do and I needed to wait longer. I am already late on the payment now that was due on XXXX/XXXX/XXXX and the late fees will begin on XXXX/XXXX/XXXX. This loan should have shown as paid in full on time on XXXX/XXXX/XXXX. They also could have had a processing error, but the representative should have opened up a case or investigation to track down the funds. I have done all that I can do to prove that the payment is there, but they have n't processed it.

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 2017-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
I hired a solar contractor to install and setup my solar system back in XX/XX/XXXX They arranged the financing through GreenSky. GreenSky approved me without question for a twenty year loan at XXXX which is a good rate and the processing was seemed normal. 

The unusual thing about the loan is the contractor could withdraw the funds when the job was complete, or so I was told. I never signed anything allowing them to do that in advance. The contractor reassured me in an email that they would not charge me anything until the job was done. They did n't want a deposit either. The bank gave me one document that states that I am NOT responsible for any money charged that I did not authorize which I did not, neither orally or written. 

My solar system is not working or should I say the installation is not complete still today. The electric company and city where I live are coming onXX/XX/XXXX to finalize the installation and approve it providing that the contractor completes all of the required documentation. 

But on XX/XX/XXXX, the contractor withdrew the entire amount of the job from my bank account with GreenSky!!! I was blown away. I emailed the bank several times ( they have a special group to solve issues ) without success. The bank was supposed to have the money put back in my account onXX/XX/XXXX and the contractor agreed to do that in an email, but it 's still not there ( shows that I owe it but no payments due as of today ). I can give you all of the documentation you need. 

The bank told me in the last email that the contractor will make the payments. I told the bank that I did n't authorize the transfer of funds, and therefore I 'm not liable per their documentation. 

I 've asked for the financial documentation but no one has sent me anything other than the original documents that I signed having to do with the contractor. The bank has sent me nothing. I also told the bank that if the contractor gave them a signed document authorizing the transfer, then they forged my signature. 

I 'm submitting a complaint to the BBB ( both against the bank and the contractor ) and the Contractors State License Board of California later today. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank is a corporate XXXX! Within a year, they have closed both my XXXX and XXXX credit cards ... .both of which I have faithfully paid!! Ridiculous!! The reasons cited in the latest letter were issues on my credit report that existed BEFORE I was even approved to have them! Seems to me the employees are bored and have nothing better to do than nitpick consumers who have actually been paying their bills! I would NEVER recommend Synchrony!!

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 2017-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I live in Florida, since we had XXXX XXXX I heard on TV that the banks will provide a relief to Owners in order to wave three monthly mortgage payment, I called Bank Of America who own my mortgage and they explained that I will to pay a lump sum on XXXX, the three monthly payments and the fourth Monthly ( XXXX ), I request help because I can not pay my next mortgage Payment and they provide only postpone the payments but immediately due at the fourth month, I request to the representative of Bank Of America to get in writing the terms of that relief and he refused to provide the terms in writing, he said, if you agree I can set up this temporary change, but I have to trust only verbally what he says is all about, I wonder if I can not pay the whole amount in XXXX what will be the consequence since no documents in writing are available. 
I think this bank is not really interested in provide in these hard times any kind of relief because what they offer is not really help to the people in needs right now, Please I beg your help in this matter to try to get the helping hand we really need, thanks so much.

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 2017-09-20 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: NC

Complaint narrative:
I submitted an investigation request to Equifax XXXX months ago. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Received information on line about the Equifax Data Breach and the consumer information from FTC Commission Consumer Information where it was outlined to go to the Equifax site to request a one-year free monitoring and other services to protect us from the breach. We filled out the request on line and tried to submit it and got a site error instead so it was not possible to sign up. We also understand that Equifax can charge a fee to put a security freeze on our account if we try that. This is preposterous since we are in this situation for something Equifax did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: NY

Complaint narrative:
I am writing to dispute an inquire fraudulently pulled in my name. I am a victim of identity theft and did not authorize this inquire .I am not responsible for any charges made to this account if any if open. 
Please delete this inquire immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent request that provide proof I applied for this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.

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 2017-09-20 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: NY

Complaint narrative:
I am writing to dispute an inquire fraudulently pulled in my name. I am a victim of identity theft and did not authorize this inquire .I am not responsible for any charges made to this account if any if open. 
Please delete this inquire immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent request that provide proof I applied for this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: FL

Complaint narrative:
I have requested and documented my efforts on numerous occasions the accuracy of my account with Navient, due to the outstanding high balance. So far, I have not received sufficient contractual signed agreements for all the student loans I am being held responsible for & I do not believe I am responsible nor agreed to the amount Navient is stating I owe. Navient has not been able to provide me signed documents showing I agreed to the loan amounts they are holding me responsible for. Instead Navient provided a couple promissory notes some in which are incomplete & do not match the balance I am being held responsible for. After many failed attempts to be gather this information I am hoping the CFPB can assist. I am once again requesting Navient to provide the exact copies of my signed agreement for each student loan I am held responsible & how my balance was figured.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
capitol one or XXXX XXXX wrongfully sued me for another companies debt. XXXX XXXX a former busineess checks used to bounce and i 'm just a employee. accountant did not deposit money into accounts for checks to clear. if a job or business is responsible for paying the employees.employees should not be held responsible for bounced checks or fees. owners should be sued and accountants. XXXX XXXX XXXX XXXX XXXX XXXX embezzled money did not deposit accounts and opened up businesses illegally. XXXX XXXX embezzled over a million dollars from XXXX XXXX Alone. I had no idea about this debt and is a business debt not a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: PA

Complaint narrative:
XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX Estimated ) No results for the dispute. The 3 accounts on there have been removed from XXXX and XXXX. Asked to verify 100 percent accuracy record contains multiple inaccuracies, and terms being correct. And contacted the bureau and do not have my dispute. Dispute number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: National Consumer Telecom & Utilities Exchange, Inc.
State: CO

Complaint narrative:
I received a " Data Report '' from NCTUE ( National Consumer Telecom & Utilities Exchange ) dated XXXX XXXX, XXXX, that erroneously showed a late payment to XXXX. I contacted XXXX XXXX XXXX, XXXX and confirmed that there was no such late payment. 

XXXX representative told me that I needed to initiate a dispute with NCTUE to fix the report. The same day ( XXXX XXXX ), I mailed a certified letter to the NCTUE  dispute address listed on the Data Report. On XXXX XXXX, I received the receipt from the USPS indicating that the certified letter was delivered and signed for. 

On XXXX XXXX, XXXX ( over 30 days after the receipt of the dispute letter ), I called the NCTUE customer service line ( having received no updates since I mailed the certified letter ). I spoke with an agent, and that agent 's supervisor ( supervisor employee ID # XXXX ). They said that no dispute process had been initiated. They promised to start the dispute process over the phone, but could not provide any confirmation number due to their " system being down ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This compliant is second submission, last XXXX 2016, I received a phone call from someone claiming to be from card services who told me if I sent them a check for XXXX they would hold it in escrow for 3 months and if I made the minimum payment for the 3 months. I did not have this in my account and I told them this. This appeared as a charge on my Bank of America Visa statement, I was s told my interest charges would be taken off my account after the 3 months which did not happen. I contacted Bank of America several times regarding this issue. I was eventually told It was my responsibility for these charges because I agreed to them. I am a senior citizen who got scamed, I have Been to lawyers regarding this who then submitted all the paper work, which I assumed included that this complaint was against Bank of America. I have been making XXXX a month payments on this as this is all I can afford. I am extremely tried of this issue. I made a stupid mistake that I will apparently be paying for the rest of my life. All this has been submitted to you a long time ago. Now I a am told tennis has been closed because of my lack of response, to contact, which I never got. I am extremely aggravated by this whole situation. Please, please help. YOU HAVE ALL MY INFORMATION

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 2017-09-20 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I filed a complaint with the credit bureaus because of an account I felt was being reported inaccurately. I had a loan with Bank XXXX. During the time of the loan I was also having some other XXXX and XXXX  issues and filed for bankruptcy. During the time of the bankruptcy I asked that the loan not be included. The lawyers explained to me that the judge would include everything and then the bank and I could go back and re-affirm the loan. I continued to make payments on the loan. I met with the bank XXXX XXXX XXXX and he agreed that we would keep the loan active and re-affirm the loan. Unfamiliar with the process I was told I simply had to keep making the payments and the loan would be reported as up to date and paid. I completed the terms of the loan as agreed and paid off the full amount. The loan is now showing on my credit report as being written off in the bankruptcy. I contacted the bank and asked for them to correct the information in the report. A bank representative did send me a copy of the loan payments to give to the credit bureau and the information on how to dispute it. I submitted the documents along with the dispute to all the credit bureaus. Several weeks later I get a letter from them stating that they " verified '' the information to be accurate as written off in the bankruptcy and it would remain on my report as such. I disputed it a second time with the documents and they still did not change it. I am unsure how they can leave it as a negative on my report when I clearly gave them proof from the bank that it was a positive account that was re-affirmed and should be reported as such. I requested that they simply update the account with the correct payment history and take off the comment of included in bankruptcy because it was not.

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 2017-09-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I filed a complaint with the credit bureaus because of an account I felt was being reported inaccurately. I had a loan with XXXX XXXX. During the time of the loan I was also having some other medical and financial issues and filed for bankruptcy. During the time of the bankruptcy I asked that the loan not be included. The lawyers explained to me that the judge would include everything and then the bank and I could go back and re-affirm the loan. I continued to make payments on the loan. I met with the bank manager XXXX XXXX and he agreed that we would keep the loan active and re-affirm the loan. Unfamiliar with the process I was told I simply had to keep making the payments and the loan would be reported as up to date and paid. I completed the terms of the loan as agreed and paid off the full amount. The loan is now showing on my credit report as being written off in the bankruptcy. I contacted the bank and asked for them to correct the information in the report. A bank representative did send me a copy of the loan payments to give to the credit bureau and the information on how to dispute it. I submitted the documents along with the dispute to all the credit bureaus. Several weeks later I get a letter from them stating that they " verified '' the information to be accurate as written off in the bankruptcy and it would remain on my report as such. I disputed it a second time with the documents and they still did not change it. I am unsure how they can leave it as a negative on my report when I clearly gave them proof from the bank that it was a positive account that was re-affirmed and should be reported as such. I requested that they simply update the account with the correct payment history and take off the comment of included in bankruptcy because it was not.

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 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have tried calling XXXX XXXX XXXX Card customer service multiple times to tell them I have not received a statement this month and to ask about other issues. No one answers the phone, the automated system goes nowhere. I am on hold for hours after which it hangs up on me. I have called at different times of day and night, same issue, on hold. No one answers. I expect to be able to talk to a human when I have issues about my card.This is not right. Customer service is non existent. 
I called the customer service number and the technical assistance number, same result, on hold, no answer from a human. 
Also, last month when I made a payment the agent wrote the wrong account number on my payment and they classified my account as past due but did not notify me for almost a month, when I got a call from collections dept. about " past due '' payment. I ALWAYS pay on time, have not been late in 26 years.I asked for a letter saying it was not my fault and only got a form letter which stated payment amounts.

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