vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America closed my checking account without providing notice or an explanation. This has caused me damages with regard to payments made out of that checking account prior to it being closed. 
Further, I have no access to the funds that were on deposit of approximately {$3200.00}. They state that they 've mailed out a cashier 's check on XXXX and it could 10-15 business days to get here. I needed that money to cover expenses. 
I feel that the issue sprang from a personal check I deposited via their image-deposit feature on their smart-phone app. That check was in the amount of {$250.00}. Their Risk and Fraud department called me the next business day ( XXXX ) to let me know that a deposit had triggered a " red flag ''. When I explained that I used the image-deposit feature, they accepted that as being the cause of the red-flag. 
I do not know what the official reason is for the closure, however I feel that I 'm incurring unnecessary hardships because of an arbitrary corporate decision that was most likely caused by Bank of America 's inability to process an image-deposit.

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 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have XXXX inquires from XXXX. None of which were authorized. I have written letters and disputed these with my credit agencies with no luck.

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 2017-04-13 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
I checked my credit report at a mortgage lenders office. A TransWorld Systems has reported a delinquent collections from a medical bill in 2011. I called to settle this issue. They claimed that " the client '' does not offer settlement options and I need to remit the full amount of {$940.00} ( {$220.00} from XXXX/XXXX/2011 and {$720.00} from XXXX/XXXX/2011 ). I called the " client '' they mentioned to discuss repayment or settlement options ( the hospital ). They informed me that it was well past the statute of limitations, it is an old bill, and it has been deleted and is no longer in there office. At this point I called TransWorld back and relayed the information and continued to offer a settlement in order to close the debt with a one time {$500.00} Visa payment ( over 50 % of the original amount ). They continue to tell me that " the client '' does n't offer settlement or does n't have settlement guidelines. When I called the hospital back they informed me that they do not even work with this organization anymore ( TransWorld ). I 'm simply trying to to take care of this the best I can and it seems they continue to feed me false information on the origin or settlement options of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
JP Morgan Chase admitted to making an error, in regards to the Assignment of mortgage. Also, in regards to communication tactics, JP Morgan Chase stated a message was left via voice mail. JP Morgan Chase claims this message was left on XXXX. I am NOT the legal owner of said number, which could possibly reflect my personal information, in regards to my account could have been disseminated to the incorrect party. My contact information, in regards to prior complaints, was the same then, as is now. In regards to notes on this account, I am in possession of a certified check receipt, issued to JP Morgan Chase, on behalf of the XXXX, on or about XX/XX/XXXX. Also, I am possession of payment receipts made, in regards to this account, from several financial institutions. I have also been able to obtain the exact copy of the VA Streamline application, which was sent to me from JP Morgan Chase, which hereby provides concrete proof of the second mortgage not being subordinated. I have also managed to obtain all copies of my credit reporting files, from XX/XX/XXXX, until XX/XX/XXXX. Inside the body of these credit reports, there are serious, as well as major irregularities, with the manner to which it is being reported. I have also obtained cell phone records from XXXX The time period is from XX/XX/XXXX, until XX/XX/XXXX. JP Morgan states there were several attempts to contact me, via telephone. I am in possession of a letter, sent by JP Morgan Chase, any and all attempts to contact me via telephone, would cease. Also, JP Morgan Chase states I attempted a loan modification under the Soldiers and Sailors Relief Act. Knowing that I left the military, in XX/XX/XXXX, I knew applying for this loan type would be of redundancy. I recently returned from cleaning out my storage area, and every document mailed to me, from JP Morgan Chase, and any party involved in the life of the loan, dating back to XX/XX/XXXX, were in boxes. Uploading of these files are considered cumbersome, as the total size of the files are over 26 gigabytes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My wife and I recently closed on a mortgage loan that was approved by, and will be sold to Wells Fargo. The property address is XXXX, in XXXX was originally pre-approved by Wells ( XXXX office ) for an {$800000.00} loan on an single family residence, without considering my wife 's income. However, my broker determined that we would not meet Wells Fargo 's DTI requirements for the mortgage we needed of {$630000.00}. WIth the HOA, the monthly payments were slightly less than the payments on the {$800000.00} loan that we were pre-approved. We were confused how we had been pre-approved. So we applied jointly, and our DTI was well below any applicable DTI thresholds. ( Despite the amount being within XXXX limits, this would be a non-conforming loan because of my alimony situation. ) However, my wife ( XXXX ) is not going to make the move from XXXX to XXXX until several months after me ; she would visit on some weekends. Based on this information, our broker was told that Wells Fargo was going to deny us our mortgage application, simply because we were going to live apart for a few months, until she was going to be able to get her XXXX medical license and a position in XXXX. Finally, when our underwriter was able to get some limited information from Wells underwriting, he was told that it could n't be approved because it would be a first residence for me, and a second residence for her, and Wells does n't have a box to fit that combination in. 

Finally, we were offered a mortgage if we treated the property as an investment property. We agreed, because, otherwise it put our purchase and initial escrow down payment in jeopardy. Of course, this had implications, such as the need to put down 40 %, instead of 30 %, and increasing the interest rate by over XXXX basis points. 

Finally, when I was signing the papers for the close of escrow, I was effectively forced to lie ; I signed the form that stated that we were purchasing the property as an investment property, and would not occupy the residence, despite the fact that I am moving into the home within a month of closing. 

Although our original pre-approval came from Wells Fargo, our dealings were direct with a broker, XXXX/XXXX. However, due to my alimony situation, they were only dealing with Wells Fargo, as they had a non-conforming loan that met our needs.

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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I did not apply nor authorize these inquiries I would like them deleted immediately it 's making it hard to obtain credit and a accurate score with inaccurate info reported

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 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This is now the XX/XX/XXXX payment that has been misallocated, this is also my second formal complaint. It seems that the only way for my payments to be allocated correctly is by me filing formal complaints. The current issue is my auto debit since XX/XX/XXXX has been {$300.00}. Now, XX/XX/XXXX the auto debit only made a payment of {$270.00}. Not only was this the wrong amount, it was also not allocated correctly. My simple instructions for my payments were to apply the minimum amount due for each loan group and any additional amount should have been applied to group A, my highest interest bearing group. I want my payments to be allocated correctly, i want my auto debit to be the correct amount, i want all my future payments to be allocated based off of these simple instructions : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 
2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. 
Since this is now the XXXX time i 've had an issue i want assurance i will not have this issue again. This is federal money that they 're handling and misallocating payments has already been a hot topic for a " competitor '' company, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts that should have been removed due to age. Accounts have been allowed to stay even though they are old. Company refuses to investigate this issue. They no longer seem to address the age of the account, but the last reporting date instead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2012 30 days past due as of XX/XX/2012, XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
My loan is not correct. Exeter Finance will not even attempt to assist. I have a contract from XXXX that has a loan financed amount and payment amount. Exeter says my payment is over {$300.00} more per month and says I owe way more that I financed. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a HELOC account with Citibank since XX/XX/2016. Last month, I went to its branch to pay off the balance which the teller provided the balance owed. I received a statement showing a credit balance. However, the bank charges me interest on a credit balance. I went to the branch and was told to pay off the credit balance. I did. Then the next day, I went back to the branch. I still owed them the same credit balance. I was now advised to borrow {$1.00} from my HELOC account to see if the glitch can be fixed. I do n't know if I 'm responsible for interest ( 4 % ) accrued from the loan amount of {$1.00}.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I mailed a Multiple Inquiry Removal Letter by mail to dispute information, regarding hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. I also mailed out a letter disputing inaccurate reporting items on my credit that was received at their location on XX/XX/2017 but the request was also completed on XX/XX/2017. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have provided proof of the letters I sent along with the date it was received at their location. Also, I provided proof of the date that their response was written back to me. If I received it on XX/XX/2017 that means it was mailed out before this date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Applied for a modification and the lender/servicer continues to delay the process, and now is trying to foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I had an account in collections that was paid. Exquifax has not updated or removed the account. I submitted a dispute, which they " investigated '' and responded with the information being " verified '' and an overdue balance. I contacted the creditor, who verified that the account was paid over a month prior and that the account had been updated with all XXXX major credit bureaus. I again contacted Equifax, they refused to update their information or attempt to resolve the misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have tried to get XXXX to verify the debt and send me information which they refuse to do. They are also reporting different information to all three bureaus in terms of outstanding balance, date opened, etc. I have tried to get them to remove this inaccurate information with no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I 've Reached out to Experian, XXXX, and XXXX multiple times about unverified accounts on my credit report and have yet to get a response or deletion of those false credit report collections that 's jeopardizing my credit worthiness!!!

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 2017-04-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Choice Recovery never disclosed fees that were added to my total balance when making my payment. The fees of {$35.00} was never disclosed that I was paying it. Choice Recovery took money from my payment and never added all the money I paid to decrease my balance. 

When contacting Choice Recovery I was told the fee was not suppose to show on my credit report, nor am I requires to pay the fee. The fee was almost 50 % of my total balance. This is a very deceptive practice as I had no knowledge of a fee I paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: OK

Complaint narrative:
I have had issues paying my student loans in the past and have worked dilligently for years to ensure I could actually afford my payments. When my payments went up from $ XXXX/mo to $ XXXX/mo- I became unable to make my payments altogether. I applied for XXXX Loan Forgiveness and was indeed granted a {$17000.00} forgiveness on my {$130000.00} of student loan debt ( mostly interest and late fees ). This made my payments GO UP! I called Fedloan in XX/XX/2016 and was told I could change my payment plan which would lower my payments back to around $ XXXX/month- which I feel like I can probably afford. When I got my statement for XX/XX/2016- my payments amount had not changed from {$340.00} like I was told it would. I was also told I would get a month of deferment while switching to the new plan and would have a $ 5 monthly payment for XX/XX/XXXX. This was a lie and I was completely deceived by the people at Fedloan, almost like they wanted me to think I had solved my issues but nothing changed at all! I can not afford the new higher payment and am now in danger of default all because I was deceived and told things that simply were n't true. They have once again destroyed my credit and killed my financial future yet again! I wish I had NEVER taken a single loan out and honestly will begin telling my XXXX in class ( I 'm a XXXX ) that college is a waste of money. My loans are actively ruining my life, if I could declare bankruptcy on these XXXX loans I would! I am completely trapped and helpless in this situation- ALL because I was LIED TO!! Fedloan is perhaps the worst example of what happens when the Government gets into the loan business. Please hold this organization to account for destroying my financial life, time and again!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
I was called at XXXX and answered the phone and told the person on the other end of the phone that she was not allowed to be calling me after XXXX. She stated that she was allowed to. The company that called me is ECMC. *Note* In the attached picture, ECMC is not a number I have programmed into my phone, it is a Caller ID that XXXX has assigned to the number that called 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