vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 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: GA

Complaint narrative:
XXXX XXXX XXXX {$540.00} This company made it hard to make my payments. I tried and got the run around until they finally closed the account. I was told my account could not be found and was unable to pay on it. XXXX XXXX {$410.00} Was paid and they are reporting inaccurate information.

XXXX XXXX account is reporting wrong information. I would like it removed!

XXXX XXXX XXXX Is reporting a 60 day late and that is not correct. I want it corrected or removed XXXX XXXX Was paid and they are reporting inaccurate information.

XXXX XXXX is reporting inaccurate information. I want this removed from my report. XXXX XXXX XXXX. is reporting inaccurate information. I want this removed from my report.

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report.

XXXX XXXX is reporting inaccurate information. I want this removed from my report.

XXXX is reporting inaccurate information. I want this removed from my report.

XXXX XXXX XXXX  Is reporting inaccurate lates on my credit report. They said they fixed it but my credit report still reflects those late payments. XXXX XXXX XXXX  is reporting inaccurate information. I want this removed from my report. XXXX XXXX is reporting inaccurate information. I want this removed from my 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 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was one day late on a payment. The bill was due on the XXXX. I called on the XXXX and the rep said to call once the fee was applied and I can request it to be waved. I called today the XXXX, and asked if they could wave the fee. I explained how I have all my cards on automatic payment and this late payment was unintentional. I also explained I went online to set up automatic payments so it wont happen again. I was told by the rep that the fee was applied and is not eligible to be waved. Then I was told they have options on the mobile app to avoid this in be future. Their mobile app however, doesnt make it possible to set up automatic payment. You have to login on your PC. They do not send any notification to remind you of your upcoming payment. It seems like they set me up for a {$25.00} dollar fee and lied saying I can request it to be removed, knowing its not eligible according to their policy. In an era where everything is done on a smartphone they make it difficult to pay a bill. Then their fee is the same amount as what my monthly payment is. So I am being doubled charged.

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 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: First Financial of Columbia, Inc
State: SC

Complaint narrative:
I have a personal loan with XXXX XXXX XXXX XXXX SC at XXXX XXXX XXXX XXXX. I have a balance of XXXX tha 's due. I Recently stop paying on the loan because I was being harassed. They would call me at work after I would tell them I could not have personal calls at work. They would call from there personal cell phones and block the number. The harassment got so bad that they would show up at my job and act as if they are a customer just to get me to come out and talk, and this has happen at least 4 time with them coming to my job. When they came to the job I would say, If i lose my job because you all keep coming up here then how would you all get paid. Me saying that did not help. It GOT SO BAD I WOULD HAVE BUSINESS CARDS STUCK ON MY DOOR ALONG WITH TONES OF MESSAGE. I recently changed my number because of the harassment.

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 2018-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
not long ago i approached my lender company to assist me with lowering down my monthly mortgage payments, making them aware that i had lost my job and was not able to keep up with the current payments as i clearly began to fall behind on my mortgage. for months i went along with providing them documents needed. when they gave me the call to provide me the GREAT news i come to find out all they did was raise my payments higher by XXXX   dlls. i dont understand how that makes sense in any way. i made my point very clear that i was having financial issues and all they did was make my payment go higher. i am now trying to apply again or them to lower my payment and they refuse to review my financial situation or mortgage at all. i have not made a payment since they gave me this ridiculous modification because i literally was not able to do so in the past i most definable can not do it now XXXX  more than what it was. at this point in time they refuse to help me and i am seeking all help possible for me to not be left on the streets. this is my home i worked very hard for and last thing i want to happen is to loose it because i was granted a higher payment that i can not afford. PLEASE HELP ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Compass Recovery Group, LLC
State: CA

Complaint narrative:
XXXX XXXX with a company called Compass Group has been calling my family members, friends and landlord trying to collect a debt I have already arranged with a consolidating company to resolve. I have told him multiple times to stop calling but the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i AM GETTING UN-AUTHORIZED BILLS FROM CHASE REGARDING ACCOUNT NUMBER XXXX. APPARENTLY CHASE OPENED AN OVERDRAFT PROTECTION IN XX/XX/2005 ON MY CHECKING ACCOUNT NUMBER WITHOUT MY PERMISSION AND NOW THEY ARE SENDING ME BILLS FOR XXXX FOR THAT APPARENT PROTECTION THAT I NEVER SIGNED FOR. I HAVE CALLED THEM SEVERAL TIMES BUT ALL I GET IS RUN AROUND AND TRANSFER FROM 1 PERSON  TO THE NEXT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
This situation is a cryptocurrency problem on the website Coinbase. About 3 months ago, I accidently sent Tron ( TRX ) to my ETH Coinbase wallet. They do no support the exchange, but refuse to send the private keys and return the money to the original exchange I sent from ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
I made a purchase at a truck stop in XXXX XXXX, XXXX  early on XX/XX/XXXX. I paid with a Bank of America card [ last four digits XXXX ]. I then drove to the interstate and began driving to XXXX, XXXX. Sometime mid-morning of that same day, I received a fraud alert from BOA. 
I pulled over in the town of XXXX, XXXX and called the number. A representative, a man, looked at the charges and attempts to use the card. After determining it was not physically possible for me to have made the charges, he told me he was cancelling the card, and that I would not be responsible for the charges. [ {$260.00} on XX/XX/XXXX at  XXXX XXXX XXXX ]. 
( I called the manager of the store : he used security recordings to find the activity. He may well have been a co-conspirator as his answers seemed very vague and strange. ) XX/XX/XXXX I received a denial letter. The letter stated that the charges had been made using the chip on my card. They stated the card would have to had been present to make the charge and I obviously made the purchase. Not true. Wasn't there. 
XX/XX/XXXX I made a call to BOA and talked to XXXXwo fraud adjusters. I was told they were sorry but it was obvious I had made the charges since the chip had been read. I told them " someone is ahead of the curve/better technology '' : I was not present, did not make the charges, was in fact several hundred miles away. They still denied it.

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 2018-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a credit card with Bank of America and I almost never use it. I have a auto draft setup for several years for this card so the balance will always remain XXXX. This credit card has a $ XXXX  yearly service fee. Last year around XXXX this credit card charged a service fee that was not automatically withdrawn using my auto draft. Unknown to me the service fee stayed on the account as a balance and I was charged 30 days delinquent not for actual purchase but for a service fee. I have spoke with Bank Of America customer service on several occasions and they all admit the issue is on their side however when ever they send the correction request to their credit reporting department the department refuses to acknowledge that the technical error happened on their end and correct my credit reporting. I have XXXX credit score for maintaining an perfect payment record this reporting put a blemish on my credit for something that is Bank of America 's fault and I should not be punished for that error.

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 2018-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bureau of Accounts Control
State: NJ

Complaint narrative:
Debt was paid in XX/XX/XXXX for the full amount of {$360.00} for services rendered in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. I have received notice to verify account has been settled in full dated XX/XX/XXXX and that this information would be forwarded to all three Credit Bureaus to delete this from my credit report. This account still shows open and has not been reported to one of the three bureaus ( XXXX  ). I have contacted the company and they stated they submitted electronic request to all credit bureaus and I needed to contact them there is nothing else for them to do this happens all the time and it is out of their control. I contacted the above mentioned credit bureau ( XXXX  ) and they stated they have not received any electronic communication from the collection agency and account still shows active and open, the company will have to resend over the request before account can be deleted from my credit report they can not just delete without receiving communication from collection agency. I contacted the company twice in XX/XX/XXXX and again in XX/XX/XXXX and each time they keep giving me the run around saying there is nothing they can do another department handles submitting the request to the credit bureau 's, they do not accept phone calls from customers and they were not able to resend the information since it was already sent the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: AL

Complaint narrative:
I have submitted to transunion about incorrect information on my credit report and have not received information on how they verified the account. I have attached XXXX certified request from secretary of state and i have no liens placed against my name for the said account listed on my credit report that the credit bureau verified and remain. They are in violation of the fcra for not properly verifying these accounts. I have attached a re- investigation letter for their review.

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 2018-06-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion is refusing to verify 3 debt accounts on my report. I have sent 3 previous requests,XX/XX/XXXX was the first, XX/XX/XXXX was the second,XX/XX/XXXX was the 3rd, and today will be my fourth request. They have not sent me any documents showing my signature on a contract with these debt companies, or a picture ID, or anything with regards to the results of there investigation, as prescribed by section 609 and 611 of the FCRA section. I plan on taking legal action if this continues to not be corrected. In addition there are 3 collections listed where the original debt is over 4 years and close to the old term of seven years.

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 2018-06-12 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: CA

Complaint narrative:
My current car loan which show it being with XXXX XXXX XXXX on XXXX and Transunion but shows XXXX XXXX XXXX XXXX on my XXXX report is being reported late every month on XXXX  and Transunion but my payments on time with XXXX. This is killing my credit because my payments are current and on time. I have tried to get this taken care of with them but they say its nothing that they can do and it is very frustrating trying to get this matter resolved. This is the partial account number 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 2018-06-12 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: CA

Complaint narrative:
My current car loan which show it being with XXXXXXXX XXXX XXXX on Equifax and XXXX but shows XXXX XXXX XXXXXXXX XXXX on my XXXX  report is being reported late every month on Equifax and XXXX but my payments on time with XXXX. This is killing my credit because my payments are current and on time. I have tried to get this taken care of with them but they say its nothing that they can do and it is very frustrating trying to get this matter resolved. This is the partial account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My current car loan which show it being with XXXX XXXX XXXX on XXXX and XXXX but shows XXXX XXXX XXXX XXXX on my Experian report is being reported late every month on XXXX and XXXX but my payments on time with Experian. This is killing my credit because my payments are current and on time. I have tried to get this taken care of with them but they say its nothing that they can do and it is very frustrating trying to get this matter resolved. This is the partial account number 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 2018-06-12 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: NY

Complaint narrative:
I have a credit inquiry on my credit report that I have never applied for anything with XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific

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 2018-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I have been dealing with this issue for 2 years.Asking CBNA/XXXX   to please remove their derogatory statement off my credit report.Every letter that I wrote them always came back, that they have investigated my claim and they have followed the law. 

I was a XXXX card holder for over 20 years. Always paid my bill on time and kept a {$0.00} balance.On XX/XX/2015 I did not receive a bill in the mail.Ok no bill so no payment was made. I did not receive a email, letter, phone call, to informing me that I have a late payment. Instead I get a letter from a Collection Agency. This amount was for $ XXXX.I requested a copy of there Policies and procedures Manual on late payments to to if this is their standard practice. All I received was their standard form letter. 
I immediately paid the account balance and fees and closed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have tried three times to transfer funds to a new Capital One account. Each time it never happens - this equals three hours of work!!!! I am furious! There is no one to email - you have to call customer service, be put on hold and told everything will be fine - they can't even EMAIL A CONFIRMATION! They will give you a bonus if you have a certain amount of money in a savings account, BUT THEY MAKE IT IMPOSSIBLE TO TRANSFER THE FUNDS! It is horrible!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check by phone ( mobile banking ) into my Bank of America checking account on XX/XX/XXXX. Only {$200.00} of the deposit is available. The check I deposited comes from a XXXX business checking account and cleared XXXX the same day, XX/XX/XXXX. However, Bank of America has a hold on the remaining balance until XX/XX/XXXX. As a result I had a transaction returned and I incurred a non sufficient funds fee for the returned item. I called Bank of America customer service and was told that they could not do anything about the situation and that the rest of the funds would be available on XX/XX/XXXX. I will probably have more transactions returned and I will incur additional non-sufficient funds fee. I have deposited checks from this same XXXX business account multiple times, at a ATM and mobile banking, and never had a problem.

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 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I left am apartment complex Account # XXXX XXXX XXXX XXXX, TX. Upon leaving i confirmed with the current management that everything was clean and no charges were due back in XX/XX/XXXX. XX/XX/XXXX i received from ResidentCollect, Inc. Collection notice for amount owed {$350.00} I requested documentation that this is my debt. No documentation was given to this day XX/XX/XXXX. This has been on my credit report all these years and i demand this be removed. This is not my debt and no proof that it is has ever been presented.

Company response to consumer: Closed with explanation