vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Loan Number:XXXX  Bank of America Home Loans From : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it May concerned, I am seeking assistance from Bank of America to help with a modification of my home so, I WONT BECOME HOMELESS ON THE STREETS OF XXXX  . I have the help of XXXX and submitting all of my documents to them. XXXX XXXX XXXX  from the Bank of America Regulatory Department is harassing me with phone calls every week!! I dont understand what is her issue!! She was so disrespectful and nasty towards over a month ago. No one else from BAC has every been very nasty towards me. I am doing my complete best to keep my home. This is the 4th complaint I have made of this lady from Bank of America. This has to stop. Please help me! I am just requesting assistance from the Bank not weekly harassing phone calls. XXXX  representatives are very kind and willing to help me through this process. I have submitted all the documents the Bank needs to modify my loan and lower my mortgage.

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 2018-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California
State: KS

Complaint narrative:
I have a mutual child not by marriage and by the Court of California he needs to pay child support and also all medical costs for our mutual child. His child that is not mine injured our mutual child the police were involved but I did not press charges, and because of the result of the injury our mutual child needed to visit the ER and after she got out of the ER her father said that he was going to pay for the medical bill. Which he did not pay. By court judgement he needs to pay for all of her medical. I contacted the collection agency to inform them of the judgement stating that he is fully responsible for all of our childs medical bills providing them with all of the proof including his phone numbers and home address. They put me in collections onXX/XX/XXXX the original amount for the collection was {$820.00}. The collection company told me that they were going to remove me and add him because by the courts he is supposed to pay the medical bills. Now I am providing his first and last name XXXX XXXX XXXX   XX/XX/XXXX, his address is XXXX XXXX XXXX XXXX CA XXXX home phone number is XXXX  and cell phone number is XXXX. This is the collection name and address Collection Consultants XXXX XXXX XXXX XXXX CA XXXX   Phone number XXXX all the attempts to try to resolve the dispute they promise me to remove my name from the collection but they don't do that therefore I ask from the CFPB to order the collection agency to remove my name from all 3 credit bureaus XXXX XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA FEDERAL SAVINGS BANK reporting credit inquiry never applied for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in 2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX Equifax ) or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 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: CA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in 2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( Experian, XXXX, XXXX ) or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.

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 2018-04-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX  Account opened ( NOT BY ME ) and used twice with no payments made disputed with XXXX and they would not remove because the account was used twice Opened in XXXX  2018 I believe. This is an account I have not opened or authorized to open and I can not even file a second dispute because they have not closed the first one. I has cost me 80 points on my credit score. Can you help please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX reporting credit inquiry never applied for.

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 2018-04-13 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I reviewed my credit report and there are several items, that aren't correct. I have a inquiry from Chase Bank, datedXX/XX/XXXX This is not my inquiry, I did not apply for any account with Chase, nor did I authorize them to pull, my credit.

XXXX XXXX XXXX, has a 30 day late payment, showing on my credit file, for XX/XX/XXXX. I set up a automatic payment draft, but I was doing some other credit payments, over the phone and I decided to call XXXX XXXX XXXX  on my XXXX payment and I submitted a phone payment. I realized that I still had a auto draft payment, coming out of my account and this would cause a issue, with some addition payments, that were due, later in the month. So I called XXXX XXXX XXXX  two days later and cancel the auto payment, for the second payment, and the customer service rep. Assured me the payment was canceled and would not be processed. I am not sure if their computer system or the rep did the cancellation. But, both the payment, I made, over the phone and the auto payment, was cancelled, in error and XXXX   placed a 30 day late on my credit file. I have spoken with them, several times and they show, both payments being made, in their system. But, refuse to remove the 30 day late, because I authorized, the cancellation of one payment and they cancelled both payments, on their end of the transaction.

XXXX issued by XXXX XXXX. I have a XXXX balance and haven't used the card in sometime.My last payment, showing on the credit file isXX/XX/XXXX ( this XXXX out the account, as there wasn't any other charges, made to the account ) .I made the payment, on the XX/XX/XXXX. But, my credit report shows a late payment for the month ofXX/XX/XXXX? If I made the last payment onXX/XX/XXXXand it XXXX out the balance. How can I be late on the payment, for the month ofXX/XX/XXXX. This is a error and I would like it removed off of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
My mortgage is through PNC Bank. I received a delinquent real estate tax bill on XX/XX/XXXXfor total of {$590.00}. The taxes were dueXX/XX/XXXX for the amount of {$540.00} I contacted PNC Bank and found out they used a company called XXXX to pay {$2600.00} from my escrow account to pay taxes on XX/XX/XXXX. I immediately contacted the Treasurers office and found out that my escrow money in the amount of {$2600.00} was used to pay another persons real estate taxes. OnXX/XX/XXXX the treasurer refunded {$2600.00} to XXXX due to XXXX requesting a refund. That money was never placed back into my escrow account.

I found out that XXXX made a payment on my taxes on XX/XX/XXXX in the amount of {$540.00} ( which was the correct amount ). On XX/XX/XXXX XXXX  requested a refund of the {$540.00}. The treasurers office refunded it and that made my taxes delinquent. On XX/XX/XXXX payments of {$560.00} and {$23.00} were received from PNC Mortgage to pay my delinquent taxes. As a result of these errors, my escrow account and my account with PNC Mortgage is totally incorrect. I have talked to PNC and they told me that it was fine because my taxes were paid. They tried to tell me that the {$2600.00} was not taken out of my escrow in XX/XX/XXXXthen I told them that it was because I can clearly see it online. They went on to agree that it was taken out and would have to be researched. I asked to speak with Corporate, but was told by 3 people that they do not have a number for Corporate at PNC. Im now very worried that I will never get back my escrow money or the extra interest and fees that I had to pay for a delinquent real estate taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have a series of charges for {$16.00} I have never agreed to this charges with the company that made these charges. I filed a fraud dispute with Bank of America and they said they were going to investigate it, and concluded the investigation claiming that I have received a double refund. From the company involved and from Bank of America and this was the reason Bank of America were putting the charges back on my card. 

I have never received a return from the company that made these charges on my 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 monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX bought a fraudulent account from XXXX XXXX XXXX. XXXX XXXX XXXX  had imposed fees not included in the term in either written or verbal form and, tried to collect the debt on their own by 12-19 phone calls a day. Some happening as frequently as every 15 min. After arguing about the 1st bills inaccuracy for 27 days the account was closed and placed in internal collections. XXXX XXXX XXXX ceased calls after 58 days. The account was originally openedXX/XX/XXXXand closed XX/XX/XXXX ( XX/XX/XXXX according to XXXX  ). XXXX XXXX XXXX  purchased the debt on XX/XX/XXXX. It was reported to XXXX in XX/XX/XXXXand removed from the report in the same month for Fraudulent reporting. On XX/XX/XXXX, XXXX XXXX XXXX   reported the debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian and XXXX XXXX  choose to automate their responses and limit their options and communication. It's frustrating to use a touch tone phone and not get the assistance needed. The lack of conversation is outrageous. Nothing is black and white especially when it concerns credit. 

Please address this.

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 2018-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX my Coinbase account was hacked and I believe {$7600.00} in US currency was sent from my account. This was in the form of litecoin and bitcoin. When I filed the police report the value at the time of the bitcoin and litecoin was approxiately {$9000.00}. I have attached a copy of the police report below. Coinbase has insurance but their insurance will not cover the loss due to the hackers getting through my password and 2-factor authentication. I have other insurance but have been unable to get much help from Coinbase. The additional insurance I have is through XXXX XXXX XXXX contracts with another company XXXX. XXXX is the one requesting the additional letter. I have spent numerous hours with coinbase over the past 4 months to try and get the appropriate documentation. During that time I have been able to get 2 emails that were not very official looking and did not contain the information that I was requesting. I have sent this information already to Coinbase but I will paste it here again. What I need is a letter stating what is pasted next. 

For Stolen Funds Loss reimbursement, the Subscriber must authorize the financial institution to provide certified documentation directly to us, signed by an authorized financial institution representative. This documentation must indicate that funds were fraudulently removed, the amount of the Loss, the type of the Loss suffered, and confirmation that funds are non- recoverable from the financial institution. 

Coinbase has made money from myself using this service and they also made money from the hackers sending out the money. I have tried to write to them to state that they should not have their accounts set up so that money can be sent to a remote location or at the very least put a three day hold on such a thing. This would stop something like this from happening. I feel the least they can do is write me a letter so that I can then try and deal with the insurance company. 

The contact information I have at XXXX is XXXX XXXX Property Claim Director XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA Direct : XXXX Mobile : XXXX Email : XXXX XXXX and XXXX XXXX Senior Claims Adjuster, Claims and Risk Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX USA Direct : XXXX Toll Free : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX and Citi Bank choose to automate their responses and limit their options and communication. It's frustrating to use a touch tone phone and not get the assistance needed. The lack of conversation is outrageous. Nothing is black and white especially when it concerns credit. 

Please address this.

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 2018-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Pacific Union Financial, LLC
State: IL

Complaint narrative:
XXXX XXXX, Promise us when we refinance the company will make the appraisal fee of {$450.00} free of charge. Promo offer. But they still charge us {$450.00}. We try to contact them but not reply its 3 months now and they sell our loan to another company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Open an American Express XXXX co-branding credit card last XXXX since it promised XXXX miles opening bonus when meets {$2000.00} spending requirement. Unfortunately i never received account opening bonus even i met the spending requirement. 

I have been talking to American Express customer service in the past several months and the issue still could not be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
My wife XXXX XXXX a senior citizen who is XXXX ) received a letter in the mail stating she was pre-approved { emphasis added } for loan of up to {$15000.00}. XXXX was in the hospital since XX/XX/2018, and was XXXX about 4 days later to a rehab facility, where she is currently. With XXXX 's permission, I went on-line to accept the loan offer, and requested a loan in the amount of {$12000.00} or {$12000.00}. Without the website giving me any interest rate ( as advertised ) it simply stated she was denied the loan. 

I contacted Upgrade on or about XX/XX/2018 expressing my dissatisfaction with their advertising practices. If one needed to " qualify '' for the loan, the the letter should state " pre-qaulified '' or " pre-selected '', vice " pre approved '', which I have also indicated to this " company ''. 

This company should have to refund consumers like my XXXX senior citizen wife no less the 10 % of the maximum purported " pre-approved '' loan amount ( in this case, no less than {$1500.00} ), due to what appears to be " false advertising '' for the sole purpose of obtaining peoples personal information ( such as SSN, and/or verifying mailing addresses etc. ). Conversely, the government ( US DOJ ) should file an action ( clas action ) against this company and/or others like it, for the damages it causes to undoubtedly thousands of consumers ( including the XXXX and senior citizens ) presumably on a monthly basis.

Company response to consumer: Closed with explanation