vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello! 

Ive been wrongly charged {$25.00} maintenance fees ( the account was improperly linked by the company ) by Bank of America for the past 3 years or more. ( Im currently reaching out to BOA to find out if there are more charges in previous years ) I went into a location in my neighborhood to resolve the issue but they said they couldnt, so they put in a request. A case was opened, XXXX, then closed due to " Unable to process as requested. '' ( received in an email ) They gave me XXXX year of refunds but this isn't satisfactory, I spoke with 3 different associates until I was told by XXXX, area manager XXXX, the company was not obligated to help me out any further with refunds due to regulation. The phone call ended there with no offer of further escalation by BOA. 

I can provide all savings and checkings documents if needed to show improper charges.

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 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: OH

Complaint narrative:
This company has placed a collection account on my credit report and they refuse to provide proof of the debt from the original creditor. The original creditor has never contacted me about this debt. I believe it is a scam. The collection agency is in violation of the FCRA as they refuse to cease contact and provide proof of the debt.

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 2019-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMS Inc.
State: OK

Complaint narrative:
XX/XX/XXXX XXXX XXXX CST, SPOKE WIT XXXX  WIT XXXX XXXX XXXX WAS ADVISED 2 ACCOUNTS IN COLLECTIONS : XX/XX/XXXX {$83.00} WAS ADVISED XXXX   WAS GIVEN AND XXXX  FOR XXXX, ( HIPPA VIOLATION AS I AM NOR HAVE EVER BEEN PATIENT ) XX/XX/XXXX {$1600.00} WAS ADVISED XXXX WAS GIVEN AS WELL AS XXXX XXXX/ XXXX  / ( HIPPA VIOLATION AS NEVER A PATIENT ) I DID INFORM XXXX FROM BEGINNING OF CALL THAT THIS IS RESULT OF IDENTITY THEFT AND SHE CONTINUED TO GO OVER THE COMPLETE NATURE OF THE HOSPITAL VISITS AS WELL AS COSTS.

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 2019-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a 30 day late payment on XX/XX/2017 on XXXX ACCOUNT # :XXXX.The information is incorrect .I was never late on my payments.

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 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection
State: IL

Complaint narrative:
I contacted 'Perfection Collection ' via phone XXXX on Tues. XXXX XX/XX/2019 to make them aware of a law suit pending with XXXX  XXXX XXXX XXXX XXXX ( I believe them to be one of the same owners ). I also explained that XXXX XXXX XXXX XXXX was in breach of the contract ( XXXX did NOT call police ) and Perfection Collection stated that I would still have to pay them ( because they supposely bought the debt from XXXX ). 

I asked Perfection Collection to forward me a copy of contract that states I still pay when XXXX is in BREACH of their contractual agreement. As of to date Perfection Collection has this BOGUS debt reporting on my credit reports and to think this company was trying to practice " perfection '' These 2 companies ( XXXX XXXX XXXX, XXXX and Perfection Collection ) are working together ( BOTH are located in XXXX, UT ) and scamming people out of money. I also have found that XXXX XXXX XXXX has had many businesses that have been shut down ( all indications are there and they are NOT good )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Conn's, Inc.
State: NM

Complaint narrative:
I received a pre approval letter in the mail. I went to conns.com/activate to activate this offer. If you go to that url you can see it clearly states that it will have no impact to credit score and on the second page the form said no hard credit pull would occur. I completed and submitted that form and it gave me a message that said they could not approve me without a hard pull and gave me a button to click as well as a phone number to call to authorize a hard pull. I did not click on that and closed my web browser. However about two hours after this Conn 's performed a hard pull on my credit without my authorization. It appears someone at a store pulled my credit without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 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:
The account shows open with an alleged payment history as if it's a revolving debt the last activity date & last payment date is always reporting for the current month as if I was in a payment arrangement with the collection agency. 

Date of last report : XX/XX/2019 Amont : XXXX Account was disputed with all 3 credit bureaus with no results. Only changed dates to showing the current year & month account was updated to show as opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
on XX/XX/19 my XXXX phone number was stolen and ported to another carrier. ON same date my XXXX XXXX indicated someone opened a best buy credit card. this dropped my credit score. I then called best buy and they put a stop on it. it still shows on my credit report

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 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Credit card with a limit of {$4000.00} at Bank of America. They closed it on XX/XX/XXXX without me being informed ( per XXXX review the card periodically ). Now as of XX/XX/XXXX, I paid the entire amount of {$3800.00} for my card to be in good standing. 

I know there have been changes in my financial as I was on XXXX since XX/XX/XXXX due to high risk XXXX and up until now due to XXXX. My baby has passed away XX/XX/XXXX. 

Now I feel like this is unfairly discriminating because Bank of America after I paid the whole amount just all of a sudden closed it saying their excuse that they review credit account prediocially. Why did they not review it a month ago?! Or next month?! They did not even give me as their loyal consumer a chance that maybe this time I will be able to cope up. 
Now, I paid the whole amount thinking really that it will be for good and not 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 2019-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Delbert Services
State: LA

Complaint narrative:
XXXX XXXX called me on XX/XX/19 at XXXX from XXXX. He left a voicemail for me to call another number and that they were going to serve me at my home or job if I didn't call them back to resolve this issue. When I called the number back he stated I owed a " XXXX XXXX '' a debt for an online loan. I advised him I don't know nor ever heard of that company so while he was talking I XXXX searched and found a lot of scam type responses. He became to get upset and tell me that if I did the same for XXXX I would find the same. He got even more upset when I said that is not true, as when I do XXXX their website and other things come up. He began to then shout at me was I going to listen to him or just go on about search results. I advised him that all I ask is that you send it to me in writing to validate and once that is done we can go from there. He got even more upset and started stating that they have sent it to me and it comes back undeliverable. I stated well it sound like you guys may not have the right person and wanting me to pay for something I don't have in writing is crazy. As I was stating that he started shouting " oh my XXXX '' and " are you going to listen ''. Because I continued to talk he said " good bye sir '' and hung up. All I want is something in writing so I can further investigate and if it is determined this is something I owe then I will settle.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-07 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: TN

Complaint narrative:
To whom it may concern, I have been in the process of strengthening my Credit Score over the past year. 
I went from having started with a score of XXXX I went up recently into the mid 700 's. I have opened 3 new credit cards with XXXX, XXXX & XXXX. I have also opened up a Business Checking Account with XXXX. 

In the last week, my account has decreased by ~50 pts. This was unbelievable to me since my score has been growing slowly as I've had new accounts and have had an impeccable payment record. 

I would like to have this investigated as to how this happened and why this system scored me the way that it did under the U.S. Equal Credit Opportunity Act. 

To give you some reference, I have never had more than a few XXXX dollars in my bank account or more than {$2000.00} of available on a credit card. Now, I have $ 30,000+ credit available and $ 25,000+ in my bank account and my credit score has gone DOWN! 

This is troubling to me that this is the algorithm allowing Americans access to certain Loans, Credit, Housing, Etc. 

I would greatly appreciate a timely response, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TN

Complaint narrative:
To whom it may concern, I have been in the process of strengthening my Credit Score over the past year. 
I went from having started with a score of XXXX I went up recently into the mid XXXX 's. I have opened XXXX new credit cards with XXXX, XXXX & XXXX. I have also opened up a Business Checking Account with XXXX. 

In the last week, my account has decreased by ~50 pts. This was unbelievable to me since my score has been growing slowly as I've had new accounts and have had an impeccable payment record. 

I would like to have this investigated as to how this happened and why this system scored me the way that it did under the U.S. Equal Credit Opportunity Act. 

To give you some reference, I have never had more than a few thousand dollars in my bank account or more than {$2000.00} of available on a credit card. Now, I have $ XXXX credit available and $ XXXX in my bank account and my credit score has gone DOWN! 

This is troubling to me that this is the algorithm allowing Americans access to certain Loans, Credit, Housing, Etc. 

I would greatly appreciate a timely response, 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 2019-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Bayview Loan servicing L.L.C. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX Has been discriminating against me for over 5 years now! I recently completed my US Bankruptcy Court Chapter XXXX Bankruptcy, Final month of completion was XX/XX/XXXX, The Bankruptcy was Discharged on XX/XX/XXXX. BLS has completly abused me after they assumed my mortgage XX/XX/XXXX from XXXX XX/XX/XXXX. I have composed an eight page letter, describing in detail, how BLS has been misapplying my monthly payments, holding them " in suspense '' for no valid reason, and thus due to their unorthodox accounting and billing practices, made it appear that I was late in paying, when in fact the exact oppisite is true, I started making payments at least one month early. Many of the statements BLS sends me, are unintellegible, and impossible to figure out what it says. 
( statement for XX/XX/XXXX in particular ) I have called BLS customer service at least eight times trying to get their errors corrected. BLS keeps promising to send me a full accounting of my account, however 3 weeks later I still have nothing from BLS, they are not honoring my requests, falsely reported me to the three credit bureaus that I was late in 2 payments! BLS has sent multiple statements for the same month. I need CFPB 's Help in getting BLS to set the record strait and correct the negative reporting to the three credit bureaus. BLS recently cost me getting a refinance because of their false credit reporting! Please, Please Help! Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian XXXX response XXXX XX/XX/XXXX copy from XXXX XXXX XXXX  copy attach as proof. Payments was paid paid in advance 2 months from purchase of car in which Experian did not record and Experian was late recording the payments as they was prepaid in months in advance. Experian Report # XXXX for XX/XX/XXXX shows payments on page 7 of XXXX XXXX XXXX not showing as paid as the letter dated by XXXX XXXX XXXX  XX/XX/XXXX as showing pay ahead. Experian needs to learn not blame it on the creditor as fault blame Experian for incorrect information showing that was there error in which was not reported correct and effected my credit score.

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 2019-03-07 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied for a XXXX XXXX Card through Barclay 's because of the promotion stated below. 
" The XXXX XXXX Card will allow you to earn XXXX bonus points after spending {$1000.00} on purchases ( that are not later returned or rescinded ) with your XXXX XXXX Card within 90 days of opening your credit card account and paying the annual fee. This one-time offer is valid for first-time cardmembers with new accounts only. Your bonus points will be deposited into your XXXX account 4-6 weeks after your qualifying transactions have posted. '' I met the above stated requirements ( statement attached ) and the bonus points have not been transferred to my XXXX account with XXXX. I called Barclay 's twice, because a statement for the month of XXXX, 2019 has not been generated although a payment of {$1100.00} was made on XX/XX/2019. The first time I called XX/XX/2019 I was told that if there is no activity no statement is created. I called again on XX/XX/2019 and was given the same reason but when I mentioned that a payment was made I was then told that they were having problems.

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 2019-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company
State: NH

Complaint narrative:
Complaint against JG Wentworth Mortage/Home Lending On XX/XX/19, I made a payment to my Mortage company that was significantly larger that the amount due. My expectation was that this would follow the normal process, and the excess would be applied to principal. Instead, JGW took the excess, and considered it a forward payment on XX/XX/XXXX. Upon seeing the mistake on their website, I contacted them, and was assured that the mistake would be corrected. It was not, and 4 more  contacts were made in XX/XX/XXXX, and in each instance, I was assured that the problem would be corrected. On XX/XX/19, I was told that their computer system was incapable of making this change, and that they could not correct the error. 

Although this may seem like a minor problem, please note that I made several principle payments in XX/XX/XXXX, and my monthly interest cost has dropped from {$1300.00} to {$900.00}, so XXXX is awarding themselves {$400.00} for their incompetence. 

Their customer service in this situation has also been horrible, they make promises to call me back with resolutions, and never do, and when I submitted an e-mail about the situation, they failed to provide a suitable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have been trying to obtain any documents about the debt in collection and all I am being told is to enter a settlement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2018 COAF did a hard inquiry on my credit report. I have never tried to apply for a loan nor have I ever had any interactions with COAF. This hard inquiry was made without my permission. 

Institution Information Coaf XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of identity theft and identity fraud. After looking through my credit reports I found the hard inquiries that I do not recognize. 
XXXX XXXX, FL XXXX Inquiry date : XX/XX/XXXX2018 Inquiry date : XX/XX/XXXX2018

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 2019-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: TN

Complaint narrative:
I have called XXXX XXXX everyday for the whole month of XXXX XXXX now XXXX and they say they have the information and they are fixing but the fail to fix it they are lying I want these loans gone they are nothing but liars and trying to steal money my loans should still be in there grace period and they refuse to fix it

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX  today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with Equifax today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.

Company response to consumer: Closed with explanation