vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WA

Complaint narrative:
I was awakened early this morning, around  7 a m by a representative of ERC Collections. It was an attempt to collect a dept for my father in law who has recently passed away. They have already called my wife previously and been told to cease and desist. My phone number has never been listed on any of his medical documents. The company in question has gone through the extent of doing a background check on my mother in law to find any phone records with numbers associated with her name. That is how they obtained my number. I have since informed them to cease and desist their activities or else I will be taking further legal action. I also asked for their   XXXX   XXXX   business license number to solicit calls for debt collection and they refused to provide me with a valid license number. This company is based in  XXXX  Florida When I asked them for proof of the original debt in writing they could not do that either. They do not possess licensing fo  XXXX   XXXX    XXXX .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
This is my 3rd complaint with CFPB about this company. <P/>They have agreed to remove these accounts from my credit files. <P/>So far they have indeed removed them from XXXX and XXXX but not XXXX. <P/>I have called XXXX and they have informed me that it only takes 24 hours to remove it from my file.
<P/>I have not received anything from this company with my signature about this debt. <P/>I have two letters from the CFPB that this company has repsoneded to agreeing to remove the accounts ... ..i am simply asking them to completed the task and remove all accounts from my XXXX credit report. <P/>All letters with a response from Commonwealth are on file at the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: NC

Complaint narrative:
i bought the card at dollar general on   XX/XX/XXXX     and they put a hold on the card and i was trying to use the card to rent a uhaul to move and thet wouldnt take the hold off. i was calling how many days in a row and they still didnt wan na take the hold off the car. so the  one  day i called and told the company i demanded the {$500.00} sent in a check on   XX/XX/XXXX     and they said i would receive the check XX/XX/XXXX and i still didnt receive it. i gave them  3  extra days and called on the  8th  and they said i had to wait more  3-5  days for them to track the check and i called today the  11th  and they still told me i had to wait. im very irritated with this company.

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 2017-07-11 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: WI

Complaint narrative:
I have been trying to make a payment to PayPal Credit for 2 weeks. When I call, the representatives will not take my account number or other identifying information. Then I emailed the CEO of PayPal who had a man call me - he said he would get back to me, but never did. To this day I can not make a payment because when I call the number on my statement nobody will look up my account to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MO

Complaint narrative:
US bank local branch closed my account without informing me until two weeks later and did n't pay out to me remaining funds in an amount of {$390.00}. Nobody seems have an answer as when I will receive my funds.

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 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I had {$24000.00} in my personal checking account ( XXXX ) and have been trying to close and liquidate the account for weeks. I need to fire Chase and move on. Chase claims there was an issue with a LLC account that I am signatory on, but has shown no proof of this. This LLC is actually wholly owned by another LLC. Chase took it upon themselves to pierce two LLC 's and instantaneously steal my personal family assets. These assets, are the income of my wife and myself. Chase, via XXXX and XXXX have given me tidbits of information, just stating this LLC received a fraudulent wire, and offered no proof of wrong doing. I am simply just asking to learn all the facts of their claim. Chase told me to call a XXXX, a bank that I am not a client of. XXXX will not speak with a non-client. Today is the 22nd day I am without my money, and XXXX will not return my calls. I was supposed to be on vacation with my family in XXXX and this trip is destroyed, as I can not meet them there, while we all have time off.
While Chase did take my money, I notice they charged me fees on my account and I assume my Chase Credit Card is assessing more fees, as I can not pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XXXX/XXXX/16 I did a transfer of XXXX from my credit card to my wife 's credit card. This transfer was never complete, because I could n't do it from my account to a different person. I have been trying with these credit cards to get my money back, but it is been so hard, they do not want to resolve this situation and every time I call them they accuse one to another. they charged me the XXXX. but this money is nowhere to be found.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I was XXXX on XXXX of 2016 and during that time frame I was under the impression that my mortgage was being auto drafted out of the account. Due to some issues with my pay with Government my payment wasnt being deposited on time to my checking account causing payments be missed applied everywhere. Since that time frame I have paid off the balance on both my 1st and 2nd Notes with Ocwen Loan Services. I am now trying to relocate due to my orders to XXXX XXXX, Texas and am in the middle of trying to purchase a home and can not due to the lates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I provided the XXXX app with my Bank of America banking login information for the purposes of earning reward points based upon their monitoring of my credit card charges at specific merchants. I made several purchases at XX/XX/XXXX which was one of my selected retailers which initially tracked and I earned points from ( XXXX points per dollar spent at XX/XX/XXXX ). Recently my purchases have stopped tracking. However, the issue is that I redeemed XXXX points for a {$20.00} XXXX gift card which I have yet to receive after one week ( FAQs state payouts will be made within XXXX days ). I 've submitted multiple inquires to XXXX and it seems they will not pay out saying my account has been flagged for my safety. Their responses are generic and not informative. If there was an issue with my transactions, Bank of America would advise me and it is not XXXX XXXX job to do so. XXXX is simply there to monitor transactions to provide rewards. If they do not pay out what I rightfully earned, they are a scam and need to be shut down immediately seeing how their business involves gathering consumer 's bank account login information and monitoring financial activity.

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 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
On XX/XX/XXXX I was seen by a care provider that goes by the name of XXXX XXXX. My insurance was not billed correctly through them and I was trying to dispute the amount of {$140.00} to bring it down to {$40.00} which is my copay. In the process of doing so, the account was automatically turned over to Collection Bureau Incorporated in XXXX Idaho on XX/XX/XXXX. XX/XX/XXXX Collection Bureau/ XXXX XXXX XXXX XXXX . ( Attny. And owner of collection Bureau LLC. ) served legal papers to collect this debt plus the incurred charges as followed : The original debt of {$140.00} from XXXX XXXX Attny fees of {$140.00} COURT COSTS : {$160.00} PROCESSOR FEE : {$30.00} AND 12 % INTEREST : {$9.00} TOTAL AMOUNT IS NOW {$480.00}. When I call them to resolve this matter, they told me they made several attempts to call me and send me letters in the mail. I received one letter and one phone call only and let them know that I was disputing this matter with XXXX XXXX and my insurance. Not once did collection Bureau inform me that they were going to file a claim against me if it was not paid in a certain time frame. I believe that this attorney is double-dipping and taking advantage of people that are already having a hard time paying their bills it seems that this should not be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
On the  XXXX  of  XXXX  this year, we turned in our    2014 Nissan Pathfinder to the dealer we bought as we can no longer can afford the payments. Nissan motor acceptance corporation  is still expecting payments and keeps calling, sending pass due and will not acknowledge that we no longer have the auto and thier dealer does.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On  XXXX   XXXX , I went to Bank of America to close my deceased mother 's checking account. I gave them her death certificate and letters testamentary showing that I am the executor. They told me they would send it to their estate dept, I would hear from someone withi n 48  hours, and that the process would take 10 days -  2  weeks to complete. After about  2 w eeks I called them as I had not heard from anyone. The  manager  told me that I needed to fill out more paperwork, have it notarized and bring it in. I did all this and she told me that I should receive a check in 10 days  - 2 wee ks. After  2 1/2  weeks I called again to find out why I had n't received anything. After checking with the estate dept., she said that someone finally looked at the account and realized that it was left to the family trust, so we would need to start over again and a ll 5  trustees would need to fill out new forms, notarize them and send them back. SOMEONE FINALLY LOOKED AT THE ACCOUNT  FIVE  WEEKS INTO THE PROCESS!!! This was on  XXXX   XXXX , and the  manager  said she would mail the forms that day. My sister finally received her paperwork postmarked  XXXX   XXXX , over a week later. This has taken almost  two  months and still no resolution. We have been lied to and deliberately delayed.   Bank of America is making this process as difficult as possible, and dragging out the process as long as possible, either willfully or through complete incompetence. I believe they want to keep the money as long as they can.

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 2017-07-11 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On    XX/XX/XXXX I retrieve my free annual credit report from Equifax. Looking over the report I identified some inaccurate personal information. Specifically there is a name specified in the " Formerly known as '' field that is completely foreign to me, as I have never used it, or known anyone with the specified name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Selene Finance LP
State: CA

Complaint narrative:
I, XXXX XXXX, ( XXXX ) XXXX, have a complaint on record with C.F.P.B., on Selene Finance, LP. THIS IS NOT A DUPLICATE. This SEPARATE COMPLAINT involves Selene Finance letter dated XXXX XXXX, 2017, addressed to C.F.P.B. the second page under " Enclosures '' fraudulently states the following : " Note '', " Deed of Trust '', " Notice of Assignment, Sale or Transfer of Servicing Rights ''. All of which DOES NOT EXISTS. <P/>Please create a separate complaint against Selene Finance & research specialist- XXXX XXXX . <P/>Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: CA

Complaint narrative:
I find many inquiry which i did n't authorize on my credit report and which i did n't know of them putting inquiry on my report, try to contact them with sending them letter they all telling me that they do n't have any file under my name or account under my name. I did call tans-union to let them know about the inquiry issue on my credit report and the representative did n't want to remove those. That why Im complaining here are all the inquiry 's - XXXX XXXX XXXX : inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX -- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX Inquiry : XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/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 2017-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
During my last billing cycle for my Lowes store card my payment for the full balance ( {$250.00} ) was withdrawn from my bank account twice. When I first contacted the company about this issue on XX/XX/XXXX they refused to even begin processing processing a refund because according to their internal accounting system the second payment was still listed as " pending ''. I tried to explain to them that the money had already been electronically transferred out of my account and that their accounting system did not accurately reflect the current situation. Timing of the refund was important to me because I had several checks outstanding that would bounce if the funds were not returned promptly. Sadly they were unwilling to budge. Patiently I waited until their system showed my payment as completed on XX/XX/XXXX and called them back. Again I encountered stiff resistance to promptly issuing a refund. The person I spoke with initially that day, and then their supervisor, both claimed the only way they could issue a refund was via check which would take at least seven business days. The supervisor even went so far as to claim that it would be a violation of banking regulations ( a criminal act ) to issue a refund electronically using an ACH transfer. The only way they were willing to expedite the refund was if I sent them a letter from my bank ( on official letterhead ) showing that two payments had been withdrawn from my account. I still do n't understand why they would require proof directly from my bank after making me wait until their accounting system showed receipt of two payments. Nonetheless I offered to send  proof via email but they were only willing to accept a fax, which I do not have access to. Their insistence on communication via fax is perplexing because they are constantly trying to trick me into signing up for email only delivery of my statements via repetitive and confusing pop-up windows. I 'm truly frustrated by the refusal to promptly correct a simple mistake and issue me a refund. Even more troubling is someone in a supervisor position actively lying to me about federal regulations, which of and in itself may constitute a criminal act.

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 2017-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This is a follow-up to an inquiry I made yesterday. I sent a complaint into the CFPB yesterday explaining that I have an account with   XXXX    XXXX   XXXX  who reporting me delinquent with the credit bureaus after my account went past due due to an auto-pay not getting set-up accurately online. I feel like their website had an error because I have a long history of on time payments never having a delinquency on my file. Further more they have my address information and email info, but never contacted me to give me a chance to pay prior to the account going 30 days past due. They did indicated they tried to call me but I could tell their call from a marketing solicitation since they never told me the reason for the call in the message.  <P/> When I contacted  XXXX  they told me they would investigate and get back to me. They did and told me there was nothing they can do and the delinquency would stand.  <P/>  XXXX  contacted me today to tell me that they have received the CFPB compliant and because of that a full account audit will be conducted. Why I 'm disappointed is that is what they said they were going to do to investigate if they can remove the delinquency. Only after the CFPB got involved it seems they will do the due diligence to give me full consideration.  <P/> I wanted you to have this additional information to consider and maybe even obtain the recordings of the conversations to see if you agree with their approach.

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 2017-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
When my mortgage company was Green Tree, I was paying 7 % and was struggling. I applied for a loan modification and was rejected. During this time I was in Chapter XXXX. Later I learned that according to the consumer protection agency, many customers were lied to by Green Tree. They were told that they were not eligible for a loan modification when in fact they were eligible. During that time I got behind and got caught up as part of my chapter XXXX. When I got out of chapter XXXX, I tried to get a mortgage refinance or any thing that I could, including any available goverment program. They told me that I was not eligible. They turned me down. At this time they put a statement on my credit report saying that I got behind in payments and it was caught up as part of a chapter XXXX. I guess they did this to justify denying my refinance. Yes I am still paying 7 % when the interest rate is much, much lower. They did take the statement off of my credit report, once I paid a company to clean my credit. I also was told that what they did was not legal. I do not know what to do to take legal actions against them, but I will. Obviously they stand to lose money by charging me what the actual interest rate is these days, instead of 7 %.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation