vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
The company claimed to be from XXXX XXXX and called me from number : XXXX. The person on the phone the ENTIRE social security number over the phone when I told them I did not know what debt they were talking about because I don't owe ACE Cash Express any money. THE SSN was said without even verifying this account! They said they were from XXXX XXXX and would be freezing my access to my Visa, Mastercard, and any other credit cards because they were suing me for the {$990.00} dollars I owe from an outstanding balance from XXXX, XXXX, XXXX. I said that I have no knowledge of this debt and it's not on my credit report. They continued to tell me that it is considered an " arbitrary loan '' and that's why it won't be on my credit until I go to court. I said how can I even know that I have this debt if I haven't received anything in the mail? I hung up the phone then called back the number to see if it went to a legitimate business. The person it routed me to say the address was XXXX XXXX XXXX XXXX XXXX Massachusetts. They continued to tell me that it would be going to court, and I would have my access to my credit cards frozen. I again asked for a debt validation letter, and they refused to give me one until I make a payment arrangement. They told me that the debt collection letters they sent to me counted as debt validation. I never received any letters, so I have no idea what they are talking about or what the original amount is, or IF this is even money that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was sending {$4000.00} to my newly opened bank account at Bank Of America from my other account from XXXX XXXX so I can cut a check to the mortgage company for my down payment. XXXX XXXX does not have checks and Bank of America only allows a maximum of {$1000.00} per transfer. I did 4 separate transfers so I can meet the {$4000.00} needed for my Bank of America XXXX BOA ) Account. 

The transfers were suppose to take 3 days to post to my Bank of America Account. After 3 days I checked my BOA account on XX/XX/21 and it would not let me log in. I contacted BOA and they said your account has been closed and to call back in 24 hours. They said they are investigating it and could take up to 3 months to refund the money. They told me I should call back in 24 hours. 

On XX/XX/21 I went to A branch for further information and the local bank said that they couldn't see the reasoning of why the account was closed because it is private on their end and told me to call risk management. 

Later on XX/XX/21 I called the BOA department of risk management She said the account was not closed unlike the previous person I have spoken to at the bank. She said the account will be closed because it was a BOA business decision ( no further explanation from them ). She said I will not get my money back until the account is closed and investigation is completed. It will take 10 to 15 days after the investigation to send out the money and had no conclusion on when the investigation will be done. They stole my money and are making money off of it for their business when I need my funds for my house. They are hanging onto the money while I struggle to make ends meet. They are putting my ability to purchase a house on the line and are doing part slowly at their pace. I did nothing wrong.

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 2021-07-14 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: Nelnet, Inc.
State: CA

Complaint narrative:
I have filed 6 disputes with XXXX to have a negative account item number XXXX on my report from US Dept of Education/GLESI ( Great Lakes Education ) to be removed from my report as it is past seven years, was since XX/XX/XXXX, or updated to show status as not past due and removed from negative standing. This account was transferred and sold and I have been making payments so account is not in past due or default status. I have a letter from Department of Education stating that this should be removed as well which I submitted. This creditor was removed from XXXX  and XXXX but XXXX  continues to give me a hard time. I have contacted them multiple times and finally they removed the account on XX/XX/XXXX but then in XX/XX/XXXX they added this account back on my report saying the creditor requested it to be added back on. I have contacted XXXX several times and they cant ever find my dispute or the documentation and keep referring my back to the creditor. I called the creditor 3 times and they say they did not report anything to my credit report as I no longer have any accounts with them as they show my accounts have been transferred. No one will help me straighten this out and it is affecting my current student loans as I am in XXXX school and as well need to send my XXXX to college. The account status of this account is incorrect as it is not over 120 days past due as it has been sold and transferred and has been making payments on. This account should be deleted from my report and XXXX is the only one that is not working on this and ignoring my disputes and keep losing my documentation that is sent in now over 6 times. I ask to speak to a supervisor and they just keep me on hold for an hour with no check ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I received a text alert supposedly from Citizens Bank stating that my online access is locked due to unusual login attempt. 

Asked me to click a link I do not have an account with Citizens Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
My loan matured XX/XX/2021. The payoff balance is considerably higher than expected. My monthly payment was {$590.00} and I owe {$320.00} in late fees, etc. which is {$910.00}. Upgrade is billing me {$1200.00} to {$1500.00}. They never quote the same number twice. I asked for Upgrade on several occasions to substantiate this additional amount and they have not. Now they are threatening to report me late to the credit bureaus if I do not pay. If Upgrade would substantiate the additional charges, I will pay them. Threatening to ruin my credit is not a reason to pay. My numerous phone calls and emails have been ignored. I have been left on hold for hours. I have been promised return calls, and have not been called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Bridge IT, Inc.
State: CT

Complaint narrative:
I am continuing to receive emails from this company asking me for make a payment plan when I have on several occasions requested that they cease all communication with me. they continue to send emails and in the past have made phone calls. The next step for me is to contact an attorney and file a lawsuit.

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 2021-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Dear ShellPoint I spoke with you today again at approximately XXXX XXXX  With in two hours I received a forwarded email regarding questions about forbearance extension. 

Who is your legal team - is it the person that sent email today? 

Why is another person address on this letter? 

Does XXXX represent ShellPoint or XXXX XXXX XXXX  - as XXXX just sent email with ShellPoint letterhead dated XX/XX/2021 today. I am not in litigation against either ShellPoint or XXXX XXXX XXXX. 

I am ShellPoint customer and if XXXX XXXX XXXX is master service their customer as well. My question are regarding my loan. I am in proper for the record - I did not authorize any mortgage documents to go to any other party. 

Even when I was just in bankruptcy case ShellPoint never sent my mortgage statements etc to bankruptcy attorney unless she asked for specific information. 

I am asking questions on my behalf not for any other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Guidance Alum LLC
State: CA

Complaint narrative:
On XX/XX/2021 I received a call from Guidance Alum stating that I was eligible for President Biden 's Student Loan Forgiveness Program. Because they had information that was relevant to XXXX, I thought the call was legitimate and authorized future loan payments. On XX/XX/2021, Guidance Alum deducted {$260.00} from my checking account ; however, no changes were made on XXXX and I was still expected to make a payment for the month of XXXX. On XX/XX/2021 I unauthorized future payments and verified with XXXX that Guidance Alum is a scam and I am to continue my loan payment arrangement with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
So i opened this account in the fall BMO banking, didnt have any issues until XX/XX/2021 i received a promo incentive from bmo apparently it was for opening an account with them, ( XX/XX/XXXX had been sent with XXXX to my other account ( XXXX  XXXX XXXX on XX/XX/XXXX however when the money had already been used, a transaction from for reversal promo was made an it brought my account to negative {$200.00}. The promo I received was {$200.00} After receiving that i was then charge an overdraft fee every business day since start XXXX XXXX XX/XX/XXXX Which then they proceeded to close the account Account was closed apparently an sent to collection to XXXX  on XX/XX/XXXX th I then received a deposit of XXXX with unknown deposit date as am not allowed to look at that since my checking was close but am able to look at my balance also spoke to someone XX/XX/XXXX from BMO customer service number called XXXX XXXX ( XXXX ) XXXX XXXX & they told me they see the deposit but i can not access it because checking is closed & why am i being denied my money even doe they close this account any money received is being held. They are not allowed to give me my money but accept transactions. When its there money i get charged an OVERDRAFT fee everyday which i will have to end up paying, but they are currently holding XXXX an more money incoming the following month. Can i get some help or a better understanding thanks for your time.

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 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Hello I am writing in regards to my capital one checking account I recently open this account on XX/XX/XXXX and when I did I funded it with two {$25.00} deposits from my current checking account via ACH in this transaction is still yet to post into my checking account. I check it every day and each day I check it it still shows as processing or pending in the savings account does not even show the {$25.00} ACH anymore. I have confirmed with my current bank that the funds have left their institution. I called capital one three times to try and resolve this the first time I was told that I needed to verify two deposits that were made into my current checking account one was in the amount of {$.00} and the second was in the amount of {$.00} I verified the deposits over the phone with the representative I was speaking with and she told me that the funds with now post into my account within 1 to 3 business days. Its been three business days since that phone call so yesterday I called and spoke to a representative her name was XXXX and asked where my deposit was and she said that she could not see the deposit at all. I again told her I can see it on my end its worrisome that you can not see it in yours. At that point I requested to speak with a supervisor or manager and she stated to me that her name again was XXXX and she was actually a supervisor on duty. Again this is very concerning to me as myself being a consumer and having access to my app and being able to view the deposit is processing and her being a supervisor within the financial institution supposedly posting this transaction who is unable to locate it. I have also sent emails to the executive office I have tried reaching out to their CEO and their chair people and no one has responded to my emails. I did advise in my email that if no one made contact with me I would be pursuing a complaint with their regulators and still no one had the courtesy to reach out. I know the deposit is only {$25.00} but the fact that no one can find it is alarming because I have my direct deposit set to go into these accounts I also wanted to have a relationship with the company that I have credit cards with thinking it would be best. But I am now questioning my decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
In order to get my ex husband off my car title, I had to refinance my car because he was a co-borrower on my loan with Nissan XXXX. 
I refinanced my car officially in XX/XX/2021, and have yet to receive a lien release from Nissan XXXX, despite having called and asked 4 times. 
I am unable to register my car and get my ex husband off the title without this lein release per the DMV. 
I have since moved to XXXX  from XXXX, and have STILL not received the lein release despite calling and asking for it to be sent to my new address twice, in addition to having called twice and requesting it be sent to my old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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:
Hello, These unknown items are not related to me. I have never ever signed any papers with these companies, or did something towards these accounts. Simply I do not know these accounts because they are not mine. Its a pure fraud. I am begging you to check my profile and these accounts and probably remove them as I am in a terrible life situation and I will not handle something like this anymore.

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 2021-07-14 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:
Hello, These unknown items are not related to me. I have never ever signed any papers with these companies, or did something towards these accounts. Simply I do not know these accounts because they are not mine. Its a pure fraud. I am begging you to check my profile and these accounts and probably remove them as I am in a terrible life situation and I will not handle something like this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient 's system does not credit overpayments to " overdue '' amounts and fees. In XX/XX/2021, I paid twice the amount the statement stated, expressly for the purpose of paying off any outstanding fees and late charges. Despite this, each month my statement still indicates a delinquency. 
I believe these fees relate back to a previously adjusted account ( due to their error ) and should not even be represented as overdue in the 1st place. 

I attempted to reset the " overpayment '' options in my profile, however- there is not an option to direct any overpayment to outstanding fees. 

In order to " Self Direct '' payment amounts, the system requires the user to enter a bank card into their system to I pay pay bills thru a bunch of confusing line items with no idea of which one will address the late fees and charges. 

While Navient 's response is that their " system is often difficult to understand '', that is insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I initiated a {$20000.00} balance transfer on XX/XX/2021. On XX/XX/2021 the balance transfer was added to my account and on XX/XX/2021 the balance transfer was removed from my account due to the fact that they claimed I did not pick up a verification phone call. Barclay 's did this all in house. 

They are trying to charge me fees on the balance transfer that I did not receive. See attached credit card statement. 

I have spoken to them twice. The first time they agreed I was correct and agreed to waive the fees but that never happened. Second time they insisted that I did do a balance transfer but could not explain what happened to the money.

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 2021-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This collection agency has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of PHI. I demand this account is deleted immediately from my credit report.

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 2021-07-14 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: Unlimited Progress Corp
State: MI

Complaint narrative:
The original account is from XXXX XXXX XXXX XXXX XXXX. I have never done business with this place. The account showed up randomly on my credit report as a collection. I have tried multiple times to call the business, but they have incorrect number 's listed. This business also has many different addresses, which makes it look more fraudulent to me. I have submitted a complaint with the XXXX XXXX XXXX, they too were unable to get in contact the business. I have disputed this collection account, once through XXXX  and once through XXXX XXXX - both times it came back verified from the collector, Creditors Discount & Audit. This has been detrimental to my credit report. If there is any way that you can help me resolve this issue it would be greatly appreciated. The date this collection went to my credit report was XX/XX/2019 and the amount they have listed is {$300.00}.

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 2021-07-14 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:
I have a few inquiries that has been reported to Transunion that were not authorized by me and are fraudulent. I already contacted the creditors and as well as the bureau and they are still reporting to my credit report Transunion inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation