vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XXXX VA. I had a XXXX XXXX XXXX which I leased from a XXXX Dealership in 2015. I went to XXXX XXXX to trade this vehicle in and purchase a new one. XXXX XXXX staff XXXX XXXX as well as XXXX, XXXX XXXX ( GM ) all made me believe that they would accept the XXXX as a trade in, asked me for my keys and kept the vehicle for almost 2 months. They advised me they would pay the XXXX vehicle off and add the charges/debt to the purchase of my new car loan. It wasnt until XXXX began harassing me for payments for the next 2 following months that I called XXXX XXXX and asked them for proof that they had paid the XXXX vehicle off. They then advised me that I needed to go to the dealership and pick up the XXXX ( without tags ) and take it myself to a XXXX Dealership and turn it in. About 2 days after I reached out to XXXX XXXX to ask if they had paid the vehicle off and they told me that they would only pay for the last 8 months that was left on my lease, but any mile overage along with any late fees, wear and tear usage charges would be my sole responsibility. Here I am now 2 months later due to my own investigation with a damaged credit for late payments since XXXX XXXX has not paid the XXXX off as well as a balance of over {$4000.00} for overage on miles, late fees, etc. I have asked to speak to management with the dealership but they never return my calls. I even reached out to XXXX XXXX in North Carolina via emails which I still have but they have not replied. I also reached out to a supervisor in the Corporate Offices who has also ignored my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies XXXX, XXXX and Experian are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.

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 2018-02-06 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: CO

Complaint narrative:
XXXX/XXXX XXXX sold my mortgage to XXXX XXXX on XX/XX/XXXX. As I was being notified about the sale in XX/XX/XXXX, I was confused about the process and was unsure who to pay. I take my credit very seriously and have not missed a payment the entire time I've had my loan with XXXX/XXXX XXXX, but was confused as to whom to pay for what month. I immediately paid when I discovered the issue. XXXX XXXX was paid for both XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I went through XXXX & back trying to access a mortgage account with Bank of America for a beach cottage I purchased in XXXX  over 20 years ago. When I remarried my husband of 1 yr decided we should refinance both our properties. I trusted him so did not scour the papers I signed including adding him to the deed. It turns out he refinanced it for {$21000.00} more than I owed & removed my name from the loan which I learned XX/XX/XXXX when I tried to access the account. Because I was removed from the loan, BofA refused to give me access to the account without his authorization during the divorce process which apparently he never set-up. I finally got access to the account after months of begging & found all sorts of stuff. 
Our divorce was finalized XX/XX/XXXX and a legally binding settlement agreement reached which was signed by both parties and the judge in XXXX where I lived during my marriage. I am supposed to have full access to the cottage & bear all financial responsibilities in order to keep it & am obliged to sell or refinance it by XX/XX/XXXX. So I call BofA and explain the situation ( again ) & tell them about the legal agreement which was sent to them as instructed. They also said they needed a letter signed by my ex-husband which was sent along with the settlement agreement. 
They said they do not honor such legal agreements & that I still need my now ex-husband 's authorization to gain access. Furthermore, they've made it very clear that even with his authorization they will only give me access to the loan information via telephone - they will not allow me to go to the on-line account documents & other info related to the mortgage including an " advance '' they paid to the Town of XXXX XXXX for an unpaid sewer assessment ( unbeknownst to me ) to the tune of {$5000.00}. It appears on the loan statements I saw in the past in a separate section so I know it's somehow connected to the mortgage loan and is likely still racking up ridiculous late fees as it appeared my ex- wasn't making regular payments. 
I have made every single payment on the monthly mortgage for this cottage since it's purchase in XX/XX/XXXX. I would like to understand WHY BofA can now deny me access when the property, the loan & all related financial obligations are now my responsibility per a legal settlement signed by the judge &  HOW they can require that my EX-HUSBAND 's authorization. I have attached the last monthly statement I was able to obtain in my ex-husband 's name as well as the divorce/settlement agreements. Nor do I understand how I can possibly comply with the terms of the settlement agreement and take care of all related bills & fees until I can SEE the records. 
Thank you in advance for your 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 explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX, have been calling my workplace, everyday, 5 days a week, for about 3 months. 
When the phone is answered by an employee other than myself, they hang up. 
Twice I answered the phone with a " Hello '', instead of my company 's greeting, and then the caller identified themselves as Portfolio Recovery. Both times I told them that the number they were calling is a place of business and NOT to call there. 
What makes this worse, is that this is an attempt to collect a debt that has been " charged-off '' by the original creditor, and Portfolio has posted this debt 4 times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to my credit report as a " new debt '' and " collections '' on my credit reports. 
Portfolio Recovery is placing my employment in jeopardy and willfully damaging my credit by their actions, which are highly unethical and in the case of calling my place of employment after being told not to do so, may be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/17 I wired {$5100.00} to Coinbase using the reference number they provided me with in my account. My bank confirmed they received the wire the same day. 

I have opened numerous cases with Coinbase, with the first being about 5 days after I wired the money. I have explained in the cases that I never received the wire into my Coinbase account and have included all pertinent information in the cases including wire date, the Federal Reference # and the wire amount. The only responses I have received from them generally come weeks later and are generic responses saying we believe we have resolved all wire issues across our site and you should have your money now. 

I am unable to get a resolution from them or even an update on potential remedies on this matter even though my cases have been escalated to the highest priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: DISCOVER BANK
State: UT

Complaint narrative:
On XX/XX/XXXX, I sent a deposit of {$200.00} to Discover to open a new secured credit account. The information on the Discover website stated that as long as I made on time payments I would receive my deposit back, and graduate to a regular Discover card. On XX/XX/XXXX, I received my Discover card, and activated it. I have continued to bay off the balance, and currently carry a {$0.00} balance. In XX/XX/XXXX, I contacted customer service to ask about when I can expect to receive my deposit. I was told that Discover reviews accounts after 7 months. No further help was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: FL

Complaint narrative:
I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies XXXX, TransUnion and XXXX are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.

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 2018-02-06 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: FL

Complaint narrative:
I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies Equifax, XXXX and XXXX are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Despite three written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Experian stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. yet they have not.

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 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted Capital One to release an authorization hold for a cancelled transaction by XXXX from XX/XX/18. I spoke with 3 reps who verified by identify, inclusive of phone number, address, credit card, social security number and transaction. I was transferred to another rep, Senior Account Rep who insinuated that I wasn't who I said I was. She confirmed by identify once more, my phone number in which I was calling from. Then she placed me on an extended hold for about 15-20 minutes, came back and blind transferred me to the Fraud Supervisor XXXX ID # XXXX who questioned my identity and needed to provide additional verification steps after already verifying my identity by 2 previous reps. XXXX practically criminalized me for my efforts to resolve a authorization hold of {$13.00} and {$100.00}. He refused to give me the specifics on why the additional verification was needed, only said that " sometimes people aren't who they say they are '' or verify other people 's information '' I feel criminalized and discriminated against and demand a written apology on why this happened to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: TX

Complaint narrative:
In XX/XX/XXXX, I tried to start an online business after I saw an ad to open an online store, I was encouraged by the ad thinking it would be a good way to pay off some debt and I decided to check it out since I am no longer able to hold down a job due to XXXX problems. 
One the companies was XXXX XXXX, they contacted me and made it seem so easy, even though I told them I didnt have any money or 401k, they asked me if I had a good credit rating and they talked me into getting more credit cards to pay for their services. 
I paid them {$9800.00} with my bank of America card on XX/XX/XXXX and XX/XX/XXXX I paid several companies to start up this online business and it all ended up being internet business opportunity frauds. When I realized what was happening, I tried disputing the charges with the merchant several times, but they have ignored my requests. I AM FILING THIS COMPLAINT BECAUSE I PAID FOR SERVICES THAT WHERE NEVER PROVIDED TO ME AS EXPECTED AND DESCRIBED. 
Please investigate this matter, it was suggested to me that if I file complaints with my government agencies for help in this matter. These companies have many complaints against them and its obvious by the list of charges that I was defrauded, I really need your help in getting 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 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Direct Recovery Services, LLC
State: NV

Complaint narrative:
Although I no longer work at my old job, this number continues to call about a debt which they refuse to disclose when you call the number. My old coworkers have told them to cease calls at the work place. They now call my new phone under an Unknown Number. The voicemails left on company messaging contain information they claimed they have received from my public record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I cycled through a bankruptcy in XX/XX/XXXX. One creditor I had was BofA. I pulled my XXXX  Credit report in late XX/XX/XXXX. I found there was inaccurate information in my XXXX  report concerning a bankruptcy discharge of the a BofA credit card debt. After contact with XXXX they reached out to BofA in late XX/XX/XXXX and BofA did not respond... so XXXX  took the debt off my credit report. Fast forward to XX/XX/XXXX and my credit monitoring service sent me a text stating my credit score had dropped 50 points. I logged into the credit monitoring an saw that XXXX  and BofA had reposted the debt that had been originally taken off (early XX/XX/XXXX) due to the BofA violation of the FCRA. I contacted XXXX  by letter and followup phone calls and they told me they could not help me and laughed at me when said I would be calling the CFPB. Next, I called BofA and advised them of the problem and that through the FCRA were supposed to make notice to me of the reposting and disclosure of a debt according to 15 U.S. Code 1681s-2/h. BofA representative XXXX XXXX told me she could not help me and... when I mentioned I would be filing a complaint with CFPB and she almost dropped the phone laughing at me.Debt partial number XXXX Opened XX/XX/XXXX - Closed XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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:
This complaint is in follow up with Dispute # XXXX which Equifax has already responded to. I have disputed this claim in regards to State tax lien XXXX. I attached a letter from Lexis Nexis dated XX/XX/XXXX Confirmation number XXXX Customer number XXXX ( which I have attached ) that have stated that XXXX XXXX has removed this item from their database and I have also spoken with XXXX Consumer advocacy dept located in XXXX. She couldn't supply her last name. On Risk view report on FCRA, She stated that there were liens or judgment. On public records report she stated that State tax lien XXXX. Equifax sent me a dispute letter dated XX/XX/XXXX that they confirmed the Tax lien through XXXX XXXX and that it was reporting accurately. I believe Equifax did not investigate this with XXXX XXXX because I have a letter stating that this tax lien has been removed and have verified three different times with XXXX XXXX that there are no tax liens on my account. Equifax is not doing their job and did not investigate my complaint. Please provide relief because I have verified in writing and with a phone call that this disputed item has been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Wakefield & Associates has been attempting to collect a medical debt I do not owe for years and nothing I have done or sent them has gotten this line off of my credit report. The original creditor ( XXXX XXXX ) has even emailed them but they refuse to remove the line. My son was covered by XXXX  at the time of service and my state has laws that protect XXXX recipients from this sort of thing happening to people when billing errors happen. I now have provided not only the Letter of Coverage to all parties involved and I have also provided a statement from the original creditor to the collection agency as well as XXXX  which states the account was paid by XXXX in 2013 ( 5 years ago!!! ) and neither the Wakefield & Associates nor XXXX has take any action to remove this incorrect data from my credit report. XXXX  has even claimed after each of my disputes to have validated this debt despite me having proof otherwise. Both the collection agency and XXXX have been negligent in the handling of my disputes and as a result, my credit scores have been held down. Please investigate 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 2018-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber
State: CA

Complaint narrative:
Third ParyCollection Agent requested {$250.00} dollars when the original amount is {$190.00} and also attempted to make me pay {$43.00} for another account with the original amount of {$27.00} and was past the statue of limitations.

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