vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a credit card with Bank of America on XX/XX/XXXX. After I received and activated the card it was then blocked by Bank of America. I know this is for my protection but a huge inconvenience when you have a cart full of groceries. In order to unblock the card I called the customer service representatives who only made the problem worse. They accused me of trying to swipe the card vs using the chip saying thats what caused the block. Knowing they were providing false information I asked for a supervisor. I was then put on a lengthy hold only to have a very rude person get on the line who called themselves a manager but could not escalate the situation. I was told this will happen for 6 months until spending trends can be analyzed. I have spoken to several representatives in an attempt to get this resolved. The situation only gets worse getting conflicting information about my account. My biggest problem is with the customer service representatives that have no accountability for what they say. Mistakes happen but it seems they just make things worse by making statements that arent true. They have failed to reach back out to me to come to any resolution. All I asked for originally was to consider a balance transfer at no charge for the amount of the purchase that was declined. That is roughly {$14.00} fee I asked as a courtesy to be waived because of problems I faced. They continue to say nothing can be done and they cant control what other customer service agents say, but just repeat the company line and intentionally mistreat the people calling for help.

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 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted several disputes with Transunion in regards to an unrecognized Bankruptcy. A fraud Alert has been placed on all three credit files, however Transunion is currently reporting inaccurate information. I have requested that Transunion validate the Bankruptcy as per section 609 of the Fair Credit Reporting Act. I have also contacted the County Clerk of XXXX County to verify if any Bankruptcy has been registered to either myself or my husband and no such case is showing open and/or closed. I don't see any other credit bureaus reporting inaccurate information only Transunion. Please resolve this issue immediately, this issue has been the reason why we have not been able to qualify for our first home as First Time Home Buyers.

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 2018-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
UPON CAREFUL REVIEW OF THE LOAN DETAIL SHEET, AND THE ORIGINAL LOAN APPLICATION, I NOTICED THE AMOUNT OF THE ORIGINAL LOAN AMOUNT 1 ) {$9500.00} 2 ) XXXX AND THE AMOUNTS 1 ) XXXX 2 ) XXXX ... NOTED ON THE DETAIL SHEET ARE CONFLICTING. WELLS FARGO NEEDS TO MAKE THE CORRECTION. IT IS MY BELIEF THAT THEY ARE ENGAGING IN A FRAUDULENT ACT, BY INCREASING WHAT THE ORIGINAL BALANCE AND THE CURRENT BALANCE IS ... MAKING A PROFIT OF THOUSANDS OF DOLLARS IN INTEREST PAYMENTS ALONE!

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 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK
State: OK

Complaint narrative:
I have unknowingly been paying PMI insurance, an overpayment I estimate to be around {$7000.00}. They said they would refund {$900.00} of that ( about a month ago ), did not, nor did they respond to a demand letter from legal counsel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
They need to remove the XXXX XXXX XXXX and bankruptcy do to fraud commented by the creditors. Illegal foreclosure. Led to bankruptcy. I lost $ XXXX do to this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018. 
I did not receive it. 
May I have a copy of my online application filled out online to get this credit card?

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 2018-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bliksum, LLC
State: MO

Complaint narrative:
Today XX/XX/ XXXX XXXX from XXXX XXXX XXXX, call my phone left message for my husband that I said she was verifying my information for a job I had applied for, she also called my daughter and mother and told them the exact same thing. That I had applied for a job, and she was just verifying my information with them because I used them as a references. This is the second set of calls that my family has received from this company. The first time it was a guy named XXXX that called. He also called my mother, daughter and a cousins husband. When I asked her to quit calling all my family she said that I used them as references and she could call them if she wanted to, so she could verify my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I called Bank Of America about my tax statements from XX/XX/XXXX-XX/XX/XXXX I was told they could only provide me with XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I feel this is fraudulent I need those tax statements ASAP

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 2018-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I dont know the dates. I was reported deceased and now cant apply for another credit card & have tried to fix with XXXX but they say information is accurate.

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 2018-05-30 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX  XXXX XXXX Account # : XXXX I was never late 30, 60, 90 or 120 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ) and also ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

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 2018-05-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 or  120 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ) and also ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Account Management Resources
State: OK

Complaint narrative:
In XX/XX/XXXX I enrolled in several classes at XXXX. I ended up having to drop them due to being enrolled in another school, XXXX. The classes at XXXX are accelerated and it would not have made sense to be enrolled at XXXX. I had only enrolled at XXXX while I waited to see if I would be able to go back to XXXX as I am only about 28 hours from graduating with one of my degrees. 

In XX/XX/XXXX when I received the first notification of the debt, I again disputed it with the school and got nowhere. I received letters of debt notice from AMR. I was working for AMR sister company, XXXX, at the same time and as I was in the same building went and personally disputed the debt with XXXX. After I left XXXX, I received another notification of debt to XXXX from AMR and I called to dispute it again. 

Regardless, XXXX intercepted our ( my husband and I ) state tax return for XXXX   for the debt that is owed, a little over {$490.00}. I have been communicating with the bursar 's office since to no avail. Even the email that she sent regarding that I the school claims I didn't drop the one class for which they collected the debt, was not dropped by the due date though others were. 

I had a specific situation occurring, also, at the same time that these classes were dropped and I know that I dropped all of the classes. 2 classes by form and 2 were supposed to have been dropped online, though one didn't and that is the one that they collected for. My son, who was XXXX at the time, had to have comprehensive XXXX XXXX  the same week and his birthday is XX/XX/XXXX. I know what happened because as soon as I realized I couldn't drop the other class online, for whatever reason, I called about it. I also requested money back for a book I had purchased. AND I was in a XXXX  class, not the class they stated I didn't drop. 
I've spoken to the OK Tax Commission and they have said to work with the school. The school is requiring all of this personal information that I do not feel I should have to provide. 

This isn't the first time that this has happened. I am tired of it. I want my money back.

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 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I fell behind on credit card payments for my Capital One Card. I called on XX/XX/2017 and worked out a payment plan with them for {$32.00} a month at 4.25 % interest for 60 months. The next month, I start receiving collection notices from a collection agency for the balance due. I have continued to make the payments of {$32.00} to this day to the Capital One Card. They are still reporting the account as open and delinquent in addition to the new collection agency. 
In addition, I have tried resolving it with Capital One Card and they will not even speak to me and told me that my payments had bounced in which they had not. I tried to dispute with the credit reporting agencies to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK
State: MD

Complaint narrative:
I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018. 
Did not receive it. 
May I have a copy of my online application filled out online to get this credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
They are trying to force me to set up automatic payments by saying that starting XX/XX/2018. Any one time payment on the website or their app will be charged a {$3.00} fee. To avoid the fee I must set up automatic payments OR mail in the payment by using a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to get Wells Fargo Home Mortgage to acknowledge and change inaccuraries being reported on my credit report. I have start writing to them as early as XX/XX/XXXX and most recently sent them another letter on XX/XX/XXXX ( see attached including excerpts from two loan items - XXXX and XXXX. The former continues to show a 30 day late payment status which is impossible as this loan was paid off and is showing a XXXX balance ... .Reporting must be 100 % accurate under the FCRA. 
The second account also shows inaccurate a 120 days late payment status with a XXXX balance and a comments section showing that the loan was paid off with less than full balance. This is not accurate and I have been requesting an accounting to prove up their reporting.

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 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vanguard Financial Services, Inc.
State: WV

Complaint narrative:
There is no documentation that supports that I owe the {$80.00} medical debt that was sent to Vangaurd financial for collections. I have called Vangaurd financial and the doctors office and they were both unable to provide documentation of the {$80.00} that was due. Multiple people have had issues with Vangaurd Finacial putting negative charges towards their credit report. I was told by an employee at Vangaurd Financial to " pay it or don't, it doesn't matter. '' The original charge was supposed to take place in XX/XX/2016 and went into collections almost a year ago. I have tried multiple times to get it removed. I was on my parents insurance at the time of the charge so it should not have shown on my credit report anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: Nelnet, Inc.
State: GA

Complaint narrative:
10 accounts are showing closed on my credit report as of XX/XX/2011. The loan amounts were paid and I asked the company to remove the accounts from my credit report as it has been over 7 years since the last time reported and over 11 years since I attended XXXX University. The company has failed to honor my request or respond and it is causing problems with my credit report and showing that I have all these account with Dept of Education and Nelnet when I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I made a request for a copy of the online application filled out online to get this credit card XX/XX/2018.

I did not receive.

May I have a copy of my application filled out online to get this credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX has been trying to get me to pay on debt that is out dated and that has been charged off on my credit. They have been trying to collect on old debt from year ago and now they are making threats to garnish my wages from my job and they have been calling me at work. I do not think this company has a license to collect in the state of XXXX. They continue to harass me with daily calls about old debt that was charged off. Something needs to be done about this company. 

MCM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BB&T CORPORATION
State: MO

Complaint narrative:
I do not have specific dates but I have asked them numerourous time not to call my place of employment. The consistently continue to do so. Even whe my payment is less than 30 days late

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 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX of this year I attempted to purchase a credit repair program, from someone named XXXX XXXX, one of his Company websites is XXXX, the cost of this program was {$1000.00},. I did a XXXX transfer. In return all I received was a data dump of useless information, it was the equivalent of buying a tv and opening the box to see a box of bricks. I attempted to retrieve my money from XXXX XXXX, but he began to ignore me so i attempted to request my funds back from Bank of America explaining the situation and that I was a victim of a scam. the claim number was XXXX, I also filed 2 claims with the FTC XXXX and XXXX. Unfortunately Bank of America was not able to assist with this and closed the claim. 

I am mentioning this claim because it was mentioned as an issue by one of the representatives, when I began trying to understand why a 10 year old credit card account was excellent payment history and in current and good standing was closed. 
I have been a customer of Bank of America for over 20 years with no issues until recently. I received a letter in the mail stating that my credit card of 10 years had been closed due to unusual authorized user activity. When i called for clarification no one was ale to explain what exactly the activity entailed. I inquired whether adding and removing authorized users was a violation of my terms and they said no it was not. After dialing multiple numbers I did speak to a representative in the credit department who stated that I had a claim on my account, but I mentioned to him that it was not my credit card that had the claim, He still inferred it may have some bearing on the decision. Ultimately I was given the answer that XXXX filed a report about my authorized user activity, but Bank of America could not provide the report. After my calls I also received several contradictory letters stating the account was open and my account history which was all excellent, this left me confused. Since Bank of America is the issuing Bank I would think ultimately the decision is theirs to open or close my account. I feel i was treated unfairly to have my account closed without a chance to dispute. Since then my credit score has dropped drastically due t losing my oldest card, which has made it difficult for me to get financing for my businesses. I also have a {$79.00} credit on the card that I am not sure what to do with since i can not charge anything to the card and can not transfer it to my other 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 2018-05-30 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have contacted Capital One in reference to my buypower credit card account ending in XXXX. They stated there is a charge on my report from XX/XX/2018 from XXXX XXXX. I advised the rep, a supervisor, and a Manager that the charge is incorrect. I also advised that card has not been used over a year and that XXXX XXXX is not my electric company. Because of this erroneous and fraudulent charge on this account, I advised this needs to be updated immediately because it is showing 60 days past due. The manager stated they will credit my account, but will refuse to send information over to the credit bureau confirming that this account is not pass due and it should of never reported pass due because the charge is incorrect.

Company response to consumer: Closed with monetary relief