vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-04 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: KS

Complaint narrative:
Bank of America is the biggest hypocrite in the banking industry. I had a {$500.00} card with bank of America for 6 years, I was never late nor was ever over the limit. in XX/XX/XXXX, Bank of America gave me an additional card with a limit of {$2000.00}. in XX/XX/XXXX, my nephew died and his family could not pay for the funeral, so in XX/XX/XXXX I took an advance ( s ) from the newer card to help my family defray the cost. immediately in XX/XX/XXXX, Bank of America closed both of my accounts without any notice or alternative. My payment history on all of my accounts, including these closed BOA accounts, for the last 5 years are 100 % on time. on XX/XX/XXXX I called the bank to see if my balance transfer from another institution paying of the remain balance, had posted. the representative told me that she would look into seeing if the credit card could be reopened. After review, she stated that she could not reopen the card on her end and THERE WOULD NOT BE AN INQUIRY ON MY CREDIT. after I hung up the phone with bank of America, I Immediately received an alert from XXXX, XXXX and XXXX  that Bank of America conducted a hard inquiry on my credit, although the representative XXXX, said there would not be an inquiry. Immediately Bank of America does not care about the individuals it serves, it only cares about its bottom line and ROA. They do n't deserve to have the name America in it 's title. I had the card for more than five years and was one of the older trade lines on my credit and when they closed it without notice or alternative it cause me a great financial harm. I feel they suckered me in to taking the additional 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 non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: KY

Complaint narrative:
We are 10 years into a home mortgage, originally with XXXX XXXX, sold to XXXX XXXX XXXX, then sold to M & T Bank ( XXXX, MD. ) One payment was late in XXXX and M & T Bank then refused to accept our payments and told us to work thru their Mortgage Service agent : XXXX XXXX XXXX. 
XXXX told us not to send payments until the paperwork was completed on their side, which never happened. 
We made a catchup offer at that time which was ignored. 
We retained a lawyer who advised that we start a Ch. XXXX Modification plan to protect our home from foreclosure actions, which we did but we kept our house outside of the mod plan and made every payment. M & T Bank 's lawyer filed a document at the discharge of our case XXXX XXXX that all payments ( arrearage and payments XXXX were current. 
M & T Bank accepted/cashed our XXXX XXXX payment and now has not accepted/cashed our XXXX, XXXX, or XXXX payments that our lawyer instructed that we send to their lawyer to make sure they would cash them. It has been two weeks and they are still not cashed. This has damaged our credit ratings, made it impossible to re-finance, and jeopardized the bills that are paid from our escrow. Their actions are unethical, borderline illegal, and violate the directions from our Ch. XXXX case judge.

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 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: TX

Complaint narrative:
I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.

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 2017-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
I already have an account with one main. I was approved for XXXX. They paid off my car in which I only owed {$680.00}. I received a check for the remaining balance which was almost a {$1000.00}. I was charged an additional {$2200.00} with fees and interest and my total pay back is {$4000.00}. Every 60 days they send me a loan offer saying I am eligible for an additional amount. XX/X/17 I had 3 offers with different pay back amounts and different loan amounts. I was denied due to having to many things in my name which are my student loans for me and my daughter. I am obtaining my XXXX so I will be in school for 4 more years and my daughter still has another year. I worked for a XXXX XXXX for over 10 years and I have a XXXX certificate so my loans will be deleted once I have completed my studies. Some of my loans have already been deleted due to the schools not being accredited and closed down. So every time they run my credit, it drops my scores. I have asked them several times not to send me these loans by mail, email or on my account. The site says Guaranteed if you already have an account but its not true. They have you apply then bring your credit score down at least by 25-30 points! your score decreases a lot when you apply for their loans. I informed them their payback is ridiculous and it is a rip off. For a {$1700.00} you have to pay back almost {$3000.00} so you are stuck fr a few years paying them back. I had an emergency and needed the money at the time but when I signed my paperwork with them while they were still Springleaf, my paperwork stated my payback was {$200.00}. When I tried to go back i to their electronic system to pull up my paperwork, it was changed. I argued this fact for months and filed complaints but no one ever addressed the issue and I only received the papers that were changed. Now I am stuck paying off a car that should have been paid off months ago because they are guilty of predatory lending. The get you excited to receive this loan that they are not going to give you and ruin your credit. I asked them why do you all keep sending me this info saying I am conditionally approved. This is totally a rip off and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: NV

Complaint narrative:
Appears to not be a licensed lender for the State of Nevada but doing USPS mailings and performing high interest loans. Tried to have me use a credit/debit card for payments using a payment processor outside the USA for  a higher fee. Refused to stop an ACH withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit line with BOA credit card was drastically and unjustly lowered from approx. $ 33k to {$1200.00}, A WEEK AND HALF AFTER I REFINANCED, AND PAID THIS CARD OFF IN FULL. THIS ACTION HAS DRASTICLTLY EFFECTED MY CREDIT SCORE, AND ABILITY TO GAIN ADDITIONAL CREDIT. 

I have been with BOA for approx. 20+ years, always with an A rating always paid on time. 
I have had a long relationship, various business, personal, and merchant accounts, and did over 1 mil in biz, all A rated, paid on time. 
In XX/XX/XXXX I refinanced my home to an FHA % 3.27, and paid off 3/4 of the balances on credit cards, LOC, and cashed out $ XXXX, still retaining a 2.1 loan to value. 
In XX/XX/XXXX my Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, with comp values {$2.00} - 2.4. So my financial and credit situation improved with these transactions. In addition, I my credit was good enough to have qualified for an FHA loan. There were no derogatory information on my credit reports, and all in good standing. 
I completely paid off this BOA account, wanted to retain this account to use, for medical, etc. only when and if needed, due to the low % rate, and relied on having this credit available. And due to my credit history and long relationship, I was receiving a low 6.99 % rate on this account, with an A rating. 
Directly after pay off, in XX/XX/XXXX, a weeks after refi, BOA drastically lowered my credit limit from {$33000.00}, to {$1200.00}, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. I tried to deal with BOA, but they offered no help. 
Therefore, I believe that BOA committed ANOTHER act of fraud, and MORE unfair business practices.

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 2017-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
They have reported a high balance along with the payment history even after the account was closed. This is a violation of my FCRA rights.

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 2017-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Recovery Service Incorporated
State: CA

Complaint narrative:
The following statement consists of the information on the matter of the XXXX XXXX  account that we have gathered so far. 

After the statement there will be a few items we would like you to address. 

The XXXX XXXX statements that were emailed to us lists our address as a p.o. box address in XXXX XXXX S.D. However, we have never lived or even visited XXXX XXXX S.D. When we looked further into that p.o. box online we discovered an additional p.o. box in XXXX V.A. we were also unaware of. When we researched the new p.o. box we discovered an unknown owner that shared the p.o. box in XXXX and owned another p.o. box that shared a close proximity to the XXXX XXXX p.o. box. 

We have never received any statements prior to those you sent, upon request, thus we had no prior knowledge of the account until your company called. 

According to XXXX XXXX, payments were made from XXXX, XXXX through XXXX, XXXX, with payments ending on XXXX, which corresponds with the information you provided. However, our bank has no record of either themselves or us, the account holders, stopping the automatic payments. 

Additionally XXXX XXXX shows payments being made on XXXX and XXXX of XXXX but there is no record of payment for those two months in our bank records. 

Finally, XXXX XXXX states that the payments should have been XXXX XXXX dollars but the XXXX XXXX statements you emailed to us only show XXXX XXXX dollars as payment due. 

In conclusion we have several requests for you to look into. And they are as follows. 

1 ) We request a list of all purchases made since the opening of the account in XXXX till the last purchase made in XXXX of XXXX. 

2 ) Find out why the account was closed and who authorized the closure. 

3 ) What is the location where the account was activated in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: TX

Complaint narrative:
I have written twice to get these disputes off my reports but the credit bureau has not acted. I am told I can not get a mortgage with disputes on my report. I am attaching the pages showing, highlighted, the problems. I have wriiten and told them I DO NOT DISPUTE THESE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Dear Friend, I have been a customer of Bank of America for over 14 years. 

This past year I canceled my regular checking account and decided to open up a Business Checking account for my growing business. 

I believe I signed up so as I would never be charged over-draft fees and my card would n't be used if my balance were to become over-drawn as a result of use After using my debit card over the course of 72 hours in approximately late XX/XX/XXXX I was informed late on the third day that my account was over-drawn ( this was the first and only notice ) At that time I looked at my account and was shocked and appalled that my balance was negative XXXX I used my debit card 10 times, over-drafted 10 times, and was charged a non-sufficient funds fee of {$35.00} EACH time! 

I went into the local branch on XXXX in XXXX, Oregon, promptly to try to resolve the matter. 

I was informed that, even though I had sufficient funds in my savings account of over 1,000 that my account was charged a fee 10 times not as an " over-draft '' fee but as a non-sufficient funds convenience fee. 

I e-mailed corporate and have only received one voice-mail from them ; they have refused to return my subsequent phone calls This does n't make sense on mulitple accounts. 

First of all, how was my account exactly - {$350.00}, after 10 charges of {$35.00} fee each, if my account DID N'T have the money in it to pay the transactions? My account should have been - {$350.00} PLUS the value of the items I purchased Second ; I have a checking account, not a credit card, the ability to over-charge the account in the first place should be called into question, let alone 10 times! 

Finally, as mentioned before, as a long-standing customer AND a customer that had money in the SAME Bank I do n't see how a company can justify charging a customer that many fees especially in such a small period of time UPDATE : I was finally allowed back into my account after being locked out for security issues ; They have reimbursed most of the fees, without informing me, and because of this I have been charged a monthly account fee and more insufficient fund fees I would like those fees to be reimbursed and my account to be back to 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 monetary relief
Consumer complaint received 2017-12-04 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: TX

Complaint narrative:
I have written twice to get these disputes off my reports but the credit bureau has not acted. I am told I can not get a mortgage with disputes on my report. I am attaching the pages showing, highlighted, the problems. I have wriiten and told them I DO NOT DISPUTE THESE!

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 2017-12-04 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: TX

Complaint narrative:
I have written twice to get these disputes off my reports but the credit bureau has not acted. I am told I can not get a mortgage with disputes on my report. I am attaching the pages showing, highlighted, the problems. I have wriiten and told them I DO NOT DISPUTE THESE!

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 2017-12-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
IN XXXX XXXX I WENT INTO XXXX TO MAKE A PURCHASE AND TRIED USING MY XXXX CARD. TO MY SURPRISE IT DID NOT GET APPROVED. SO I CALLED THE AUTOMATED SERVICE TOLD ME THAT MY NEXT PAYMENT WAS NOT DUE TILL XXXX XXXX. I CALLED THEM AFTER AND AGAIN I VERIFIED THAT MY NEXT PAYMENT WAS DUE ON THE XXXX. THEY THEN IMFORMED ME THAT A CHECK THAT I HAD ALSO SENT TO THEM FOR AN ADDITIONAL PAYMENT ASIDE FROM MY MONTHLY DUE PAYMENT FROM MY EMPLOYER WAS RETURNED BY BANK AND THAT WAS THE REASON THEY CLOSED MY ACCOUNT. I ASKED THEM IF THAT WAS IN THEIR TERMS AND CONDITIONS AND THEY REFUSE TO ANSWER THAT QUESTIONS. I TOLD THEM THAT I WAS CURRENT ON MY PAYMENTS THEY REFUSE TO HEAR ME OUT I BELIEVE THEY HAVE A CONFLICT OF INTEREST TO ONLY BENEFIT THEM SELVES AND RUIN CONSUMERS CREDIT RATINGS. PLEASE HELP ME RESOLVE THIS ISSUE. I NEED MY CREDIT RATING NOT TO BE AFFECTED. THEY HAVE NO REASON TO CLOSE MY ACCOUNT

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 2017-12-04 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: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
I had a XXXX XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to contact experian regarding incorrect name variations that are not 100 % accurate and are in violation of CRA and HIPPA. They are showing name variations with a XXXX as a middle and that is not mine.

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 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Ocwen Loan servicings lawyer went before a judge in NJ and lyed to the court about the documentation that they had to prove they owned the mortgage. The judge would not even listen to my case, but let Ocwen give the defendants financial documents that the defense has been asking for 6 years. The documents prove predatory lending by charging over 12 % to re-finance this loan, a year later than the other XXXX loan.No closing date, no one except notary at closing, where did we close, who closed the loan.When you read the other documents supplied by the plaintiff, they prove that XXXX XXXX illegally signed that she certified the paperwork in XXXX to assign the loan from XXXX to XXXX bank national trust bundles who just settled a XXXX XXXX dollar settlement in XXXX XXXX for misleading investors and consumers like myself and have not taken a settlement. I know that we are or were eligible for at least 7 class action lawsuits that the defendants have been associated with and we did not join.We ask for 3 x the original finance charge of XXXX for predatory lending. We also ask XXXX XXXX for pain and suffering for all the lies and suffering this illegal act has brought us. The plaintiffs had to know the mortgage papers were at the least illegal and unenforceable, yet continued to ly to the court and the defendants and only supplied the evidence when they had to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
SYNCHRONY BANK XXXX. XXXX, XXXX, XXXX fraudulently opened a new credit card account without our consent, authorization, or permission. 
New cards were sent to us on XXXX XXXX which we destroyed and did not activate. Synchrony accepted {$7600.00} in fraudulent charges from a merchant that we did not and could not have provided a valid card number to because we never entered the card number for anything! 
SYNCHRONY apparently was provided confidential private financial information by XXXX XXXX XXXX without our consent or authorization.

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 2017-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Michael & Associates, PC
State: CA

Complaint narrative:
On XXXX received Notice of Levy from XXXX XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
It 's being reported on my XXXX report and is wrong because the bestbuy acc is active under another debtor and is in good standing. I do not owe them any money and they should remove that information from my credit report. There were the ones who lost the XXXX acc not me

Company response to consumer: Closed with explanation