vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My husband and I recieved a mortgage in XX/XX/XXXX from Bank Of America to purchase our home. Because of the price it required 2 mortgages, One was a balloon mortgage due in 10 years ( XX/XX/XXXX ). We never missed a payment on either note, When the balloon note was due we just assumed they would refinance it for us as we could not pay it off at that time. They would not refinance because the value of our home decreased. I called BOA for advice and was turned over to their debt collection department. I was told to do a loan modification but to keep making the payments on the loan. We sent in 3 payments which were returned to us and was told pay the balance or nothing. I did as the my account manager asked, sending in documents regarding our income etc, For a period of 5 months I dealt with several different personal account managers and underwriters. Nearly every week the account managers would call and say that the underwriters wanted more information about our finances etc. Just when I was told that was probably it, the account manager would call back the next week with more questions from the underwriter. All this went on from XX/XX/XXXX to XX/XX/XXXX. This caused us to be in default on the payments of 5 months! We did finally get the loan modification but at a higher monthly payment and interest rate. I was told in the beginning the monthly payments and interest rate would be lower. 
BOA sold our first mortgage a few years ago to XXXX but BOA retained the balloon mortgage. We asked XXXX ( now XXXX XXXX ) if they would combine the 2 mortgages and at a fixed rate. ( The mortgages we have are not at a fixed rate. ) We were denied because of the missed 5 payments to BOA. We are both in our XXXX and even if we tried to sell our home now it would have to be a " short sale ''. Not something we want to do at this point in our sunset years. 
We feel these missed payments were not our fault. The BOA underwriters did not have their act together in my opinion. There was no reason this loan modification could not have been done in a few weeks not 5 months! I would appreciate it if BOA would issue us forgiveness for the missed payments and report this forgiveness to the credit bureau.

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 2017-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi recently changed its rewards program for the XXXX XXXX XXXX. The changes include a {$250.00} air travel credit. The language on the terms and conditions implies that the credit for the year is valid throughXX/XX/XXXX of each year, which convinced me to keep the card and continue paying a high annual fee for it. 

However, after making a {$370.00} air fare purchase ( specifically due to this benefit ) on XXXX/XXXX/XXXX, the customer service department informed me that the XXXX credit expires on XXXX XXXX rather than at month end. This is intentionally confusing and designed to be mislead consumers into not being able to utilize the benefit.

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 2017-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DataMax Corporation
State: VA

Complaint narrative:
I saw this company listed on my credit report so I tried to contact them. There phone number XXXX does not give you an option to speak with anyone - just an option to leave a message and someone will return your call and they never do. The XXXX listed on their website goes to a fax machine and you are not able to speak with anyone. They have this account for {$440.00} listed on my XXXX report since about XX/XX/XXXX. I finally received communication from the original creditor and took care of the bill. I recently moved from XXXX XXXX to XXXX so it took them a while to track down my new address. I paid the bill with the original creditor ( XXXX XXXX XXXX ).  I opened a dispute with XXXX on XXXX XXXX XXXX and attached the receipt where I had made the payment with the original creditor. The dispute came back the same day with no new results. How can a dispute even possible come back the same day? What research was even done? I pulled my other reports and noticed that they also applied that same information to XXXX with just listed last month with no company information, No company name, no phone number. Nothing. So had I not already known the information from XXXX - me as a consumer would not have had any idea of where the information was coming from or who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
I was scammed by people who were presenting themselves as loan representatives on the internet. It started about the middle of XXXX. They had a web page that appeared to be official. They used the name XXXX XXXX XXXX or XXXX XXXX. One phone number was ( XXXX. The number they used when they called me was ( XXXX ). I filled out a loan application on line and put my Banking information on the form. They contacted me and said they were going to approve me for a loan. They then said they had checked my credit score and it was not where they wanted it to be. They said that they would deposit money into my account and I was suppose to send it back to them. What I did n't know was they had attached a device and was putting money into my account using bogus checks from all over the country, they were doing this at the same time they were dealing with me over the phone. A check for XXXX from XXXX XXXX XXXX was put in. Another check for XXXX from XXXX XXXX and one more from XXXX XXXX for XXXX. The last check which was n't from the same place as the others was from XXXX XXXX for XXXX dollars. I went to my bank TCF bank and told them about this. The assistant manager knew that this was a scan and did not act in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have pay this account to the colection company for a lower amount, but still show the original balance and open, also is duplicate from the orignal owner the credit card bank, and from the colection company. XXXX XXXX XXXX Opened XXXX XXXX, XXXX - {$0.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  Overview You 've paid off 100 % of your collection amount. 
Balance {$0.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX See an error? 

You could dispute an error with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
REFERENCE CASE # XXXX Or. Case # XXXX I received the reply from Bank of America but they could do XXXX help me out to recall my money {$8600.00} since it was done by Fraud and Scammed by the recipient, XXXX XXXX XXXX XXXX, which eventually lead me to report this to the local enforcement and the FBI in town here in XXXX XXXX, and I was physically had an appointment to show the FBI the proofs and adviced me to have the bank assist me to contact the other Bank XXXX XXXX in XXXX to investigate the money laundering by the recipient Account # XXXX, XXXX. Bank ID, XXXX. The BANK OF AMERICA MUST ASK TO SOME PROOF FROM THE RECEPIENT BANK TO INVESTIGATE THE ACCOUNT HOLDER ACCOUNT ABOUT THE NATURE OF MONEY AND TELL THEM THAT THE SENDER WAS A VICTIM OF FRAUD AND I STRONGLY REQUEST TO RECALL MY MONEY {$8600.00}. 
I AM LOOKING FORWARD TO HEARING GOOD RESULTS TO THIS MATTER.

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 2017-12-09 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: LA

Complaint narrative:
My name is XXXX XXXX. I have never been married and never have legally changed my name. I was born on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I submitted an official dispute with XXXX XXXX for reasons including possible fraud/i.d theft. I also sent the management company a letter asking to provide me with any proof or information that would help delete the incorrect info on my credit profile. XXXX XXXX or company have yet to resolve or provide any info regarding this investigation.

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 2017-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Someone deposited a BAD check into my account which caused my account to become close to the bank of America. This is the 2nd time I 've had Identity theft with one of my accounts. I am having a hard time opening an account. I have a steady income with a good paying job and I need a bank account. I 'd like this to be resolved since I waited for over 3 years hoping that banks would look at my background and know that I have a job and steady income and NEVER been involved in fraudulent activity. Please help me!!! I 've never had any fraudulent activities happen in any of my accounts until this occurrence.

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 2017-12-09 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: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
I called Wednesday XX/XX/XXXX to dispute the loan balance showing on my credit report confirmation number XXXX. Citizens reported my balance as XX/XX/XXXX as {$26000.00} and XX/XX/XXXX {$26000.00}. This is a new car loan that was opened XX/XX/XXXX original balance {$26000.00}, so my balance should not be increasing. I made my first payment on XX/XX/XXXX for {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX XXXX is not legally authorized to collect debt in the state of Texas. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from  engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 
Based on the information filed with the Office of the Secretary of State, the bond for this company has been cancelled, and  therefore they are not legally able to attempt debt collection within the state of Texas, where I reside, and can not report these false negative items to the credit bureaus. Please remove this item from my credit report for all 3 bureaus asap and stop contacting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX has sued me for a XXXX XXXXXXXX XXXX credit card. I have told them that this was identity theft, and written detailed letters to them, and to the court. Since they persist, I told them of debt owed to me, in the amount of {$5000.00}, by XXXX XXXX. Address : XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX Business address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. After I was sued, I asked her for repayment. She came to XXXX and assaulted me, XXXX police report # XXXX. Then, she started paying me {$200.00} a month. I ask that Javitch have her pay them instead, and drop the lawsuit. If they insist on repayment of the full credit card amount, they should sue her on my behalf due to the assault. I am XXXX, and my primary source of income is Social Security XXXX payments. Javitch will not answer my calls or emails about this matter. Very strange that debt lawyers are the ones refusing calls.

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 2017-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Duplicated address of the same address. Experian has multiple address as the same address. 

Filing FTC on Experian for issues of wrong information on Credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX not my address or was on my lease. 
XXXX XXXX XXXX XXXX no unit number showing XXXX XXXX XXXX XXXX XXXX no apartment unit showing XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX no my address XXXX XXXX XXXX XXXX XXXX no my address XXXX XXXX XXXX XXXX XXXX XXXX no my address never lived in no XXXX XXXX XXXX XXXX XXXX XXXX no unit showing XXXX XXXX XXXX XXXX no unit showing not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these duplicate address belong to me nor was in my name. Delete or provide from the address proof from lender/bank mort fin or lease threw apartment complex. nothing but duplicate address showing wrong information. 

I 'm also filing with the FTC on all these address that are the same over and over with wrong information and a bunch of made up address or information gather wrong or obtain wrong

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 2017-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency. 

This is list of all the Hard inquiry. 
XXXX. XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX 2. XXXX XXXX -- -- -- DATE XX/XX/XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XX/XX/XXXX 4.XXXX XXXX XXXX. -- XXXX DATE XX/XX/XXXX 5.XXXX XXXX XXXX  DATE XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recieved notice from XXXX XXXX that there was an attempt to open a credit card using my personal information. There is now a hard inquiry on my Transunion report. The bank was XXXX XXXX XXXX FL 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 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX  has sued me for a Bank of America credit card. I have told them that this was identity theft, and written detailed letters to them, and to the court. Since they persist, I told them of debt owed to me, in the amount of {$5000.00}, by XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX address : 1XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. After I was sued, I asked her for repayment. She came to XXXX and assaulted me, XXXX police report # XXXX. Then, she started paying me {$200.00} a month. I ask that XXXX have her pay them instead, and drop the lawsuit. If they insist on repayment of the full credit card amount, they should sue her on my behalf due to the assault. I am XXXX, and my primary source of income is Social Security XXXX payments. XXXX will not answer my calls or emails about this matter. Very strange that debt lawyers are the ones refusing calls.

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 2017-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2017, I discovered that my XXXX checking account had been hacked and the hacking had been going on since late XX/XX/2017. Copies of all my statements showing the hacking are attached, along with my letter to XXXX. The hacking was in the form of EFTs, or electronic fund transfers to various and numerous PAYPAL accounts. Please see the attached PDF. There were seven pending transactions on XX/XX/XXXX and XXXX refused my request to try to stop them. As you can see from the attached PDF, those seven pending transactions totaled approximately {$10000.00}. In all, as you can verify from the attached PDF, the fraudulent EFTs totaled approximately {$180000.00}, which was a number generated by PAYPAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: TX

Complaint narrative:
I have contacted Experian on multiple occasions regarding an inquiry from a company XXXX XXXX XXXX I do n't recognize this inquiry have never gave them permission to pull my credit report. They have failed to investigate in to this matter for me and send me validation of why this inquiry was placed on my credit report. They continue to send me their generic response.

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 2017-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency.

This is list of all the Hard inquiry.

1. XXXX XXXX XXXX.- DATE : XX/XX/XXXX 2. XXXX XXXX -- -- -- DATE XX/XX/XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XX/XX/XXXX 4.XXXX XXXX XXXX. -- -- DATE XX/XX/XXXX 5.XXXX XXXX XXXX DATE 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 2017-12-09 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: CA

Complaint narrative:
when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency. 

This is list of all the Hard inquiry. 
1. XXXX XXXX XXXXXXXX DATE : XXXX XXXX, XXXX 2. XXXX XXXX -- -- -- DATE XXXX XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XXXX XXXX 4.XXXX XXXX XXXX -- XXXX DATE XXXX XXXX, XXXX 5.PXXXX XXXX XXXX DATE XXXX XXXX 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 2017-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt not owed by me and has not verified any information regarding this dept. They are also illegally trying to collect a debt from me because they are not legally licensed in the state of Texas as a Debt Collection Agency. This is against the law per section 392. 101 of the Texas Finance Code. They have submitted false information about me to the credit reporting agency and it should be  removed immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation