vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
We are informing Bank of America, N.A. that attached letter Notice of Fraud and Intent to Litigate along with eight attachments has been sent via certified mail to their employees : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. We also sent the same documentation to their attorney XXXX XXXX. XXXX, XXXX. via certified mail as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACS Education Services
State: CA

Complaint narrative:
I graduated from XXXX XXXX XXXX XXXX in XX/XX/XXXX and began working full-time in XX/XX/XXXX. At that time, I was under the impression that all of my student loans had consolidated onto the XXXX system. I was making on-time payments to XXXX and XXXX, which the impression that I was current on all loan repayments. 

However, in XX/XX/XXXX, I received a call from ACS ( now known as XXXX XXXX XXXX ) telling me I was delinquent on another loan. I had never received a letter or call prior to this. Immediately I made arrangements with ACS and made my first loan payment only two days later, on XX/XX/XXXX. This loan has been paid in full since XX/XX/XXXX. 

In reviewing my credit report, I realize ACS reported this late payment back in XX/XX/XXXX to the credit bureaus. ACS has not been communicative in reviewing my file even though prior to the delinquency phone call mentioned above, I had never received an email, mail, or phone notification of the past-due payment. Given that I was responsive when made aware of the situation, and since this loan has been paid in full, I am hoping to have this incident reviewed and possibly removed from my credit report. 

It is reported that the CFPB imposed a fine to Conduent for various reasons which includes faulty reporting processes and systems. I am also wondering if this may have had an impact on my file. 

Overall, I do believe I should have kept track of all outstanding loans. At the same time, this hasn't been an easy task with so many changes in providers, lenders, loan servicing agencies reaching out over the years. 

I am hoping that your team can help push a review forward and possibly have this late payment removed. This would clear up my credit history and undoubtedly help improve my credit standing. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
CFPB Complaint - XXXX - XXXX XXXX- XXXX XXXX XXXX XXXX , OHio XXXX I have applied with several companies looking for work in the field of XXXX XXXX. I would have great interview but after I signed paperwork for a back ground check I would never hear from the company. I sent a letter to XXXX to get a copy of what they had in my file and I was sent a letter regarding a speeding ticket. I called XXXX and spoke to XXXX to confirm this was what they had and it was confirmed. My not being able to get a job went on for months and it made no sense because of my education. In XXXX, I applied with XXXX and they were not going to hire me because XXXX sent them a report saying I had an eviction. When you work in the field of XXXX XXXX you can not have an eviction. Companies will not rent to people with evictions and they do not want to Hire an employee with evictions. 
I begged this companies patience because I knew I had no eviction. I called XXXX and they realized their mistake and did send XXXX a corrected report and I was able to get that job. I sent XXXX a letter asking them to send corrected reports to all of the employers they sent this erroneous information to and a copy to me for my records and I was told by them, I would have to call all of the potential employer that denied me employment myself. And they never sent me a copy of the corrected report for my personal records. This erroneous eviction against me caused me a great financial hardship and a lot of mental stress. I almost lost my home, bills fell behind it was a mess for me. This erroneous eviction had been on record with XXXX since XX/XX/XXXX. I made contact with this company several times to confirm they had only a speeding ticket and NOTHING was every said or mailed to me about this eviction. The eviction Was NOT mine but it cost me months of not being able to get a job. I had to eat from food XXXX, pawn family heirlooms to be able to keep my utilities on, and my property taxes are still behind. I had to sign two separate contracts with XXXX County Auditors Office to keep my home from being sold for taxes and I am still owe {$800.00} on my property taxes. If I had a mortgage on my home I would be homeless. Had it not been for XXXX providing me a copy of what XXXX sent them I STILL WOULD NOT KNOW WHY I COULD NOT GET A JOB. I have received three letter concerning information being released : XXXX XXXX, I did not get that job, XX/XX/XXXX, I did not get that job. XX/XX/XXXX was the last letter I received. I was turned down for some awesome jobs I really wanted with fantastic companies due to the erroneous eviction and now XXXX can send me a corrected report or let me know what companies they sent the corrected report to and the dates. I

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
NationStar Mortgage is showing 1 past due payment amount for XXXX of 2018. Payment was not late from me but was posted late from mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: V and H Portfolio
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX I told them I know nothing about it and I told them take it off my Credit they refused to so I want something done about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC.
State: OR

Complaint narrative:
My son attended XXXX XXXX XXXX for less than one quarter. 

The college was to refund unused monies and, either never did or it fell through the cracks. 

We have provided them evidence, and tried to resolve this for nearly three decades. 

ECMC, in a letter dated XX/XX/XXXX, has finally agreed the funds were never refunded by the college, as they should have been in XX/XX/XXXX, but expects me to pay their collection costs, etc, on a debt we never owed. 

This has, in my opinion, been thirty years of government overreach and harassment. 

I ask you to please look into this matter and help resolve this egregious situation. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are three hard inquiries on my bureau where I did not apply or give permission for anyone to apply for a loan in my name with XXXX XXXX, XXXX XXXX and XXXX XXXX that same day of XX/XX/2017. I have contacted XXXX as they are local and they did not have any documentation on me whether ink signed or Esigned. where I asked for credit. I have requested these three hard inquiries be removed several times from Equifax and nothing has happened. Please help me with this. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: GA

Complaint narrative:
XXXX XXXX  is showing 1 past due payment amount for XXXX of 2018. Payment was not late from me but was posted late from mortgage 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 2018-04-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is showing 1 past due payment amount forXX/XX/2018. Payment was not late from me but was posted late from mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  is showing 1 past due payment amount for XXXX of 2018. Payment was not late from me but was posted late from mortgage 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 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I had already submitted a complaint on this company and you were able to have them take back the account or however they decided to deal with it and I have been making payments. This is after speaking to a Supervisor and she saw that what had transpired was incorrect prior to my reporting to you. So she decided that I should just call in with the payment ( she did not give me a specific amt because of what had happened, I was just going to pay until it was done ) I made 3 payments before and called in with my fourth today. 
However, today XX/XX/18 I called XXXX XXXX XXXX, the number I was told to call and make the payments ( I have already made payments with them ) the person answering the phone operator XXXX XXXX XXXX, told me that I could not. 
She kept on looking at the old information and telling me its with an outside collector ( I AGAIN, if it is was not advised, the same reason I had to complain before ). She claimed to have gone and checked and came back saying that I have to make the entire payment TODAY, in order for her to take the payment.. 

SHE DID NOT TAKE THE PAYMENT SO NOW i HAVE NOT PAID AND i DO NOT KNOW THE STATUS OF THE ACCOUNT BECAUSE OF THE AMBIGUITY WITH THE EMPLOYEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
I noticed this new collection on my credit. I called to find about what it was about spoke with XXXX & he told me this was a online payday loan. I have never received anything regarding this fraudulent account. I advised the collector this isn't my account I had also been a victim of fraud & I need this removed from my credit immediately. I have never received any calls or mail. No validation with my signature as required by the FDCPA. This is not my account I need this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: ND

Complaint narrative:
Frost Arnett has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I last used my American Express Serve Card on XX/XX/XXXX when I received a refund from XXXX. I did not know that American Express Serve made my Social Security XXXX Deposit early because I just started receiving my SSI payments on the card in XX/XX/XXXX. Therefore, knowing I did not have a balance on my card I didn't check my account because I had no reason to until XX/XX/XXXX when I knew my SSI payment would have been deposited so I could pay my bills. I only get {$500.00} per month it isn't much to live on. When I went to check the balance my transaction summary showed that a government deposit was made on XX/XX/XXXX in the  amount of {$500.00}. There were numerous transactions made on the card for the week of XX/XX/XXXX that I did not make. I was shocked. Actually I cried because I freaked out. I called American Express Serve and spoke with their investigating fraud department and asked how is it possible for this to happen when I have the card and I did not give anyone permission to use it. The person I spoke with kept referring to my deposit as a tax refund deposit and I kept telling him no it is SSI deposit. He asked me how is it possible for charges to be made on my card if it was in my  possession? I told him I don't know that's what I would like to know! He stated that " the card was used in your area and their were withdrawals made from atm 's ''. I said, " okay '', so tell me how is that possible? How is that possible? I have used the card online. I have no idea how theives do what they do I don't know who works for this company or what. He told me they would investigate the claim. I asked him if I was the only one that had this complaint or were there other people having the same problem with their accounts? He said there were other people having the same problem. I asked how many alot or a little? He said a lot. I said any that live in my area? He said yes. Then he said it would take ten days for them to make their decision and the probability would be that my claim would be denied. I was like what? You lose my my SSI payment and your not going to pay me back? I asked if they are FDIC insured because I know that they are and he said he didn't know. Great! I was so upset I hung up. To date I have not received my new card and I have heard nothing back nor have I received my SSI money that was stolen off my account. I have no clue how it was done. I need my money to survive and I barely can do that. Please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony falsely advertises my home card can be used at XXXX XXXX. I went to XXXX XXXX in XXXX ohii and the card would not work. I spoke to a supervisor on XX/XX/XXXX from synchrony who told myself and XXXX from XXXX XXXX that I should be able to use the card by XX/XX/XXXX. I went back today and the card still would not work. They are fraudently advertising my synchrony home can be used at XXXX XXXX. Then they are lying to XXXX  and myself stating that the card will work by 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 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/2018, I submitted a complaint to your company and the status was closed. This portfolio Recovery has sent to me a form for identity theft, I havent filed any police reports due to my information being used years ago a freeze was put on my credit file bug that was only good for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hi, I appreciate Experian and your hard work but you are incorrect on your last response on my home loan. This is very simple the lender I had was XXXX XXXX I'm not disputing that ok. What I'm disputing is the loan balance it's been paid in full. I sold the house! Sighned the closing on XX/XX/2018. I want the balance to be shown as a XXXX balance on my report and XXXX debt under where it says realastate debt. Since a buyer has already bought the house. XXXX XXXX XXXX XXXX is the company that closed the house. XXXX is the number to XXXX XXXX XXXX XXXX. I have uploaded and by mail sent proof house was sold and closed to Experian already. But Experian has failed to get the correct response on my report. I want a zero balance showing on my report under XXXX XXXX. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Goods and services were obtained using my personal information without prior authorization. 7 year credit freeze has been placed until 2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had my accounts hacked, cards stolen and transactions appeared on my accounts made by someone else. 

Chase bank themselves contacted me on the day it happened, XX/XX/XXXX warning me of fradualant activity on my account and to call and verify, I called and told them I did not make the purchase at XXXX XXXX XXXX for {$2300.00}, I was told by chase that the transaction had declined. 

In XX/XX/XXXX, Chase bank withdrew the {$2300.00} from my account without any notification and told me I was responsible, yet they are the ones that notified me of fraudalant activity on my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have a XXXX  XXXX XXXX XXXX XXXX collection account on my credit report that has been there for over 24 years that I have tried to get removed no end. My daughter is XXXX years old I only have XXXX child and she was stolen from me when she was XXXX. The child support court order was a fake order taken to the child support office to have it enforced and I didn't know it. I had hearings with the child support office to get it removed but they wouldn't without a court order and I couldn't get a court order because there was no original court order to begin with. Its been a nightmare. The credit reporting agencies will not stop or remove the collection on my account after 24 years its ridiculous. Its ruined my life. Having my daughter stolen ruined my life I had a complete mental breakdown that I didn't recover from for 16 years. I deserve a XXXX break! My daughter was born XX/XX/XXXX, she was emancipated when she was XXXX years old and she is going to be XXXX this year. 

Also listed on my credit reports are the same debt twice just under different names. Once for the original creditor then again for the collection company. I have unbelieveable amounts 40 to be exact of credit inquiries which I didn't authorize many of them are on there from auto loans and payday advances multiple times and credit multiple times. I live on SSI I get {$500.00} I don't apply for credit. My name is misspelled on my reports for the names they have listed and they won't remove it after I disputed it. There are other social security numbers listed on my credit reports and I have absolutely no idea why I am clueless to that. I only have one social security number and I have never used any other number than the one thats mine. The reports show I owe $ 72,000+ but the accounts I do owe don't total that amount so I have no idea where they are getting that figure. I'm so sick of this. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American express serve account. They have freeze my ability to load funds online without prior notification and explanation. I am reloading with my own checking account and I am not doing anything against the card member agreement. It's a violation of them to do so. I hope that they can give me an explanation and recover my ability to load funds.

Company response to consumer: Closed with explanation