vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX my wallet was stolen from my apartment in XXXX XXXX, NY. Within 2 hours {$2400.00} was stolen from my account and I contacted Bank of America to alert them and request a freeze on my account. 

A police report was provided to Bank of America within 48 hours of the theft. 

The fraudulent transactions were made through XXXX XXXX  with my debit card number that the suspect stored on their phone ( digital wallet ). Bank of America incorrectly issued me a new debit card, did not freeze the account, and thereby automatically updated the debit card number in the suspect 's digital wallet. 

Because of this mistake by Bank of America, the suspect regained access to my account on XX/XX/XXXX and XX/XX/XXXX and stole another {$1200.00}. The total loss suffered became {$3600.00}. Upon discovering these new breaches I demanded a full stop on all transactions in and out of the account for a second time. Bank of America chose to remedy the situation with an {$880000.00} hold. 

An updated police report, stating the new total loss suffered, was provided to Bank of America. 

Today is XX/XX/XXXX and I have only received credits for {$1200.00}, and the account remains frozen. Bank of America has not paid the remaining claims ( {$2400.00} ) because of supposed " bank operator error '' on multiple occasions and I can not get them to properly remedy this situation. 

The final 2 claims of {$1200.00} each were most recently " closed as duplicates '' even though bank representatives told me these were opened as a result of the bank 's mistakes on previous claims. The bank started a debt collection process on the remaining {$2400.00}, and is not upholding their fraud protection guarantee.

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 2020-02-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have already filed a complaint regarding FEDLOAN Servicing reporting my debt TO ALL 3 CREDIT BUREAUS as 180 days late when in fact it has NEVER been late, AND the account is closed. In response to my complaint, FEDLOAN changed the reporting status to the credit bureaus from 180 days late to 120 days late which is STILL ENTIRELY INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We originally purchased our residence on XX/XX/XXXX. Shellpoint Mortgage Servicing became the servicer of our mortgage which included an impound account for property taxes and insurance. On XX/XX/XXXX, we refinanced our loan through XXXX XXXX  XXXX which also included an impound account. {$6900.00} for 8 months estimated property taxes was withheld at closing. Subsequently Shellpoint repurchased our loan and we made our first payment on the new loan to Shellpoint effective XX/XX/XXXX. On XX/XX/XXXX, we received a notice from XXXX County that we were in default on property taxes which were due no later than XX/XX/XXXX, and that penalties had been imposed. That day I called and spoke with a Shellpoint customer service rep who advised me to scan the notice to Shellpoint and that the arrears property taxes and penalties would be paid by Shellpoint. I did scan the document on XX/XX/XXXX and received an autoresponse. I again emailed Shellpoint on XX/XX/XXXX and received an autoresponse. However, the XXXX County records are still showing the past due taxes and penalties remain unpaid. Further, my impound account only reflects deposits made from monthly payments and not the amount withheld from escrow.

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 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates is attempting to collect a debt that was already charged off in a dismissed bankruptcy. 

They are listing themselves as the original creditor, but I have never had dealings with this vendors. 

This is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I contacted Midland Funding within 5 days of receiving a call from them stating I owed a debt to them. The letter was sent certified. In the letter I requested debt validation and proof that I owe them a debt. They have failed to provide the information I requested and continue to report negative info on my credit report. The amount they are trying to collect - allegedly from the original creditor is incorrect. I returned items to the original creditor and they did not update the amount of the debt owed. 
Midland Funding has no contract with me- not verbally or in writing. 

This is my second time complaining to this agency about Midland Funding! My next remedy is to seek the assistance of a lawyer!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My stepmom left me home via trust that clearly states I am the owner. The Trustee transferred the property into my name and sent the mortgage company, Chase, a copy of the deed conveying the property to me, the death certificate, and a copy of the trust clearly indicating that I am the owner of the property. Still Chase won't talk to me. They keep sending the statements to the Trustee. I can't basic information. The Trustee is frustrated with the process and is not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
XXXXOriginal debt was .. {$500.00} a, after interest and fees accumulated to XXXX XX/XX/17 also had a XXXX ./ the original debt has been. Paid to the creditor .. the secondary debt collector .. ( XXXX XXXX XXXX located ) will not update the credit beaureas and remove derogatory remarks from credit. I am recovering from the XXXX and attempting to recover my credit as well ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I set up automatic payments for my new auto loan. 

I received notice in XXXX that the payment wasn't paid because they hadn't set up the automatic debit yet, so I paid it via phone. I was told then my auto payment was active going forward. Then in XXXX, I received notice that I was behind on my payment ( even though I did not receive any invoice or billing statement before receiving the debt notice ). I immediately called to inquire what happened, as the payment should have been automatically debited from my account. I was told my account was current and I could disregard the letter, so I did. 

Then I received two letters dated XXXX XXXX and XXXX XXXX stating that it was " an attempt to collect a debt '' and I owed a past due amount. I called to inquire and was told that I was missing my XXXX payment ( the auto payment had debited my account in XXXX and XXXX but was not set up for the XXXX payment, as I was told it would be when I spoke with them in XXXX ). Again, when I spoke to them after receiving the letter in XXXX, I was told my account was paid in full. I have never received any type of invoice or billing statement. Ever. They have my address to send me debt collection letters, not not to send me monthly statements.

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 2020-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In late XX/XX/XXXX I purchased 4 cobalt blue plates from the XXXX XXXX XXXX  XXXX XXXX  store for approx {$32.00} on my XXXX  XXXX card. I did not receive an invoice until XXXX which would have been the 2nd invoice for this account. When i received this invoice it had on a late fee already. I called Customer Service and the woman I spoke with told me I did not pay the first invoice mailed to me. I explained i had not received a 1st invoice only this one. She said she would credit the late fee if i would send the amount owed of which I did ... ... {$35.00}. That check was sent and cashed on XX/XX/XXXX. This is now XX/XX/XXXX and I've received another invoice for {$100.00} which is solely made up of late fees. I spoke to XXXX on XX/XX/XXXX in customer service and she explained that since my check was 2 days late I was being assessed a late fee for XXXX and now another late fee for XXXX bringing the bill to {$100.00}. I refused to pay late fees for something I've already paid in full for. I spoke to XXXX, supervisor ; spoke to XXXX 's supervisor ; and than XXXX in Past Due Dept. All of them have told me that they will keep assessing late fees until I pay them. I think this is blackmail. How can you keep assessing late fees for something that has already been paid in full. I was on the phone 2 hrs with XXXX  XXXX. I told the 3rd person I spoke with that I would return the plates for a refund and then I don't owe anything. She said that wouldn't make a difference as the plates were paid for ; however, I was getting charges for the late fees. This makes no sense to me. This should just be written off, of which they told me their computer only allows one write off ... ... does the computer run the company?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: ID

Complaint narrative:
I C systems. The company was trying to collect a debt that was supposedly originally from XXXX. I have a current account with XXXX. They told me that the account was from an address in XXXX, after I already moved to XXXX. XXXX  removed the account from my credit report, however, IC systems sold the account to XXXX XXXX, who placed the account back on my credit report. I have disputed the account with XXXX, but they will not remove it, even though it is clearly fraud.

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 2020-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: KS

Complaint narrative:
XXXX is the number that called me. i return the call and a lady name XXXX answered saying i owned a debt for a hospital in my town. She explained it was only {$100.00} and wanted 4 payments of XXXX. I am aware of such bill but it is more than XXXX. She continued to ask for the payment and i told her i don't know when i will have the money. The name of the company was Amcol She gave an account number and told her have a good evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: OH

Complaint narrative:
Regarding Acct. # XXXX My ex-husband and I have been dealing with US Bank for over 15 years managing and paying an Equiline account on time each month. Once we received our divorce in XXXX the bank would not divide the loan in half because he retired in XXXX and I was still working so our attorneys told us both to pay one half the bill each month. The account has matured and we are no longer able to draw funds on it and the bill has gone from approximately {$600.00} to {$1300.00} per month. 

We are both unable to make this {$680.00} payment each month and the bank has encouraged us to refinance. For some strange reason we were not able to refinance with a conventional loan so they suggested we go through Loss Mitigation. We have sent in application packets with requested documents from XXXX through XX/XX/XXXX but they refuse to approve this loan. To make things worse, they have assigned a different Relationship Manager ( RM ) every month or so causing more confusion. 

We have had XXXX, XXXX, XXXX, XXXX and now XXXX. They rarely answer the telephone when you call and when they do they won't give any concrete answers about the application status and they have never told me exactly what documents they did receive from us. They continue to ask for more and more documents from us starting from scratch. During one phone call XXXX thought my house was attached to this Equiline account when actually it is the house that my ex-husband lives in. I know I have sent in the documents requested because I have scanned them and sent them from the Public Library and it provided a scanned copy for my file. Another time I sent them from one of the local US Bank branches. I asked the RM there to look over the packet to make sure I had everything included but she would not do it ; she said she was not allowed to do so. However ; a week prior, I was there and she encouraged me to come back anytime I need their help. 

US Bank has exemplified poor customer service, discriminatory loan practices, unprofessional and unethical business etiquette in the 21st  Century. I am appalled and there is no excuse for it. I have also experienced several other issues with US Bank regarding other account I have with them. I do not want to get into those issues right now. I want them to be accountable for this unacceptable behavior. 

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
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
my nane is XXXX XXXX XXXX i'm part of the hamp program. my lender phh mortgage services shows no record of the hamp payment to my loan this year of {$5000.00}!!!! That's called mortgage fraud!!!!!! my loan # is XXXX my phone # is XXXX please leave a message if i don't answer. i sleep most days and am up overnight. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX VIOLATES NYS 380T LAW BY DENYIING NONCELL PHONE USERS ACCESS TO EQUIFAX WEBSITE/CALL CENTER. 
EQUIFAX HAS NO LEGAL GROUNDS TO DENY ACCESS BECAUSE I DONT HAVE CELL PHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Macys has a star rewards program for credit card users, the more money you spend the more rewards you are given. Those rewards can be used towards any purchases made at Macys with your credit card. The concern is when you return an item that you used the star money on. They have a policy on returns, that any star money used is null ( which is understandable, rules are rules, I dont get to use them anymore, no problem ). The complication is that when they process the return, the refund is completed but the star money ends up as a balance on your account. This has happened twice to me now. So I decided to report it. 
For example and my compliant I purchased an item for XXXX, when I was at check out I had XXXX star money which I used for my purchase therefore only paid XXXX. When I returned the item, they credit me back XXXX and left me a balance due on my credit card of XXXX. 
I have now called 3 times and have gotten different answers on the issue above, ( 1 ) thats how it works now I have to pay Macys XXXX ( that is fraud ) or ( 2 ) that someone in the back end forgot to clear out the store money, and the rep on the phone promised to clear it out. As of today, nothing.

This is a huge disappointment for me, as I really like Macys but if as a company you can not fully control the star money program, dont have it!!!! As a customer, its frustrating that you create a program and restrict star money from being used but dont set systematic controls to properly handle the return. Further, I would urge you to look into how many customers have been charged by your teams not fully processing the returns and causing a balance ( you have to take into consideration not everyone balances/reconciles their accounts ).

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 2020-02-12 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus. 
XXXX  XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$470.00} TRANSUNION HARD INQUIRIES XXXX XXXX XXXX ( 3X ) XXXX XXXX XXXX   COLLECTIONS XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$520.00} XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX  HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX DISMISSED

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 2020-02-12 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: CT

Complaint narrative:
This complaint in regards to the dispute I filed against " XXXX XXXX '' which is now known as Great Lakes. These are student loans that were taking out years XX/XX/XXXXXX/XX/XXXX. 

1. Each trade-line is missing the " account opened '' date or an inaccurate one 2. They claim I made payments at specific time frames but the federal student loan date website shows no payments were made during those time frames. 

3. I have consolidated all my student loans through XXXX   and have made on time payments for three years straight and only have a remaining balance of {$350.00} 4. I wrote to XXXX, XXXX, and XXXX to have the 5 delinquent accounts deleted as they first defaulted in XX/XX/XXXX. It has been 11 years and should no longer show on my credit report. Also, the accounts has been paid in full through consolidation. They came back with the accounts as valid. 

5. I have written and spent hours on the phone with Great Lakes the following student loan providers listed on the National Student Loan Data : XXXX XXXX XXXX, XXXX, and XXXX  XXXX XXXX. None of the companies above have records of my account with them. They have all referred me to XXXX  who says I have made every payment on time and they do not know where those 5 derogatory marks originate from. 

I have no idea how the credit bureaus were able to " validate '' these loans no one had information to my account except for XXXX  who I have an exceptional payment history with. Although these loans are from XX/XX/XXXX, and first date of default in XX/XX/XXXX - they are for whatever reason showing up as much more recent and keeping me from specific credit cards, loans, and credit limit increases. I am trying to diversify my credit and what seems to be an obvious mistake is keeping me from this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
XXXX XXXX was transferred from one of my accounts to another w/o my permission Want my funds transferred back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
midland credit management keep attempting to collect this debt of {$490.00} that they received from XXXX  XXXX XXXX, I did not open the original account, it is not mine. i have disputed this information on my credit report with XXXX and XXXX XX/XX/XXXX at that time it was not on my XXXX report. This item was removed from both credit reporting agencies in XX/XX/XXXX as not valid. because it was removed from XXXX and XXXX. Midland credit placed this debt on my XXXX credit report. i do not owe this debt and i would like for Midland to leave me alone regarding this debt.

Company response to consumer: Closed with non-monetary relief