vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EDvantage LLC
State: FL

Complaint narrative:
I have attended XXXX XXXX and not XXXX XXXX. 

Me and my husband XXXX XXXX both attended this college together in the same batch, and we both have identical problems with our student loan. 

I have been given XXXX balance statement by my college, than why is this collection agency calling me? 

They have told me it will spoil my credit report too. 

There is some thing wrong with this college and financial aid department. 

When I joined the college my loan was with Tuition Options, in between it got changed to XXXX XXXX, I did not make the change. I do not know who did that. 

Than after I was given XXXX balance statement, copy attached, than I get threat calls. 
Last call was from FCC headquarter Person name XXXX called, from phone no XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX EST I am suffering. 

Can you please help? 

I was told while signup Every student gets 6 months to start to replay his/ her loan after course completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
While vacationing in Florida with my son, we were approached at XXXX XXXX but a representative of American Express named XXXX. He was trying to sign people up for Amex Blue Cash cards. I told him I used to have one and that I already had a Delta Gold Amex card. He said I was still eligible for all the offers that day, including Free Fast Pass, 0 % introductory APR and {$100.00} welcome bonus upon spending {$1000.00}. They even printed the card right then and there to use. They also printed the terms and conditions. Because I was walking into the theme park they even offered to shred the terms and conditions because it had my info on it. When I messaged Amex to find out when the credit was to be applied they told me I wasn't eligible. After waiting 9 wks for an " investigation '' I was told I should have read the terms AFTER getting my card and that there was nothing they could do. I am owed the {$100.00} statement credit. Their employee misrepresented the offer, most likely in an effort to receive his commission. Amex fraudulently represented themselves in order to obtain my business

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Corporation of America
State: FL

Complaint narrative:
On XX/XX/2018 i received a letter from a collection agency - Financial Corporation of America trying to collect a debt in the amount of {$190.00} for XXXX XXXX XXXX XXXX. I sent a check to XXXX XXXX a check on XXXX-XXXX-18 and the check was deposited in their account on XX/XX/18. Per conversation with a representative at Financial Corporation of America, the collection request sent to them on XX/XX/2018. 
I need to have this investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: VA

Complaint narrative:
I was 3 days late on a {$32.00} ( possibly {$34.00} ) minimum payment due on my BofA credit card and Bank of America refused to waive my late fee. I explained that the payment was late due to me losing my job, but they wouldnt budge on the {$27.00} late fee ( {$27.00} seems like a high percentage in relation to the $ XXXX that was late too ). I did a Balance transfer to them about a year ago to take advantage of an offer they sent me in the mail. This was the first time Ive been late and just by a few days after dealing with the loss of my job. During my phone call with them, I was sent to an escalations agent ( who introduced himself as a manager,  clearly not btw considering his lack of empathy or care ). I threatened to close my account in hopes the retention specialist may understand my position a little more, but the escalations agent  simply offered to close my account, not considering my hardship in the slightest. 30 minute phone call for nothing. I called XXXX after BofA because I missed that payment for the same reason ( 1st time late with XXXX also ), and XXXX took care of it for me right away. I would close my BofA account if it wouldnt have a negative impact on my credit. BofA just increased my credit line too, Im assuming in hopes that XXXX use them more once my 0 % period is up. Im thinking Im just going to give that business to a company who empathizes and works with its customers ( XXXX ) rather than one who couldn't care less about me losing my job ( sarcasm thanks to BofA ), increasing my credit limit, and not waiving my late fee in an already tough time. You think the {$27.00} fee is worth my future business?

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 2018-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
The month of XX/XX/2018, I received checks from Sears Mastercard stating that I could use the checks for a balance transfer. I sent one of the checks to pay off another account. In 2 weeks, I checked the account to make sure it was paid off, and it was not. I called Sears Mastercard, and they argued with me telling me it took 2 wks turn around. I waited the 2 weeks, and still nothing. I called Sears again and told them, I was going to find another source to pay off the card as I only had one week to avoid their deferral interest charge. They told me they would stop payment on the check but charge me XXXX dollars for their inconvenience. Sears told me the slowness of the US mail was not their fault. I told them it was not my fault either, but they would not stop payment on the check. Ten days later, the card I was paying off received the check, and I thought everything was fine, but Sears said the check reached its expiration date, and they would not use it. Now I have a {$600.00} charge from the credit card to be paid off, as well as a bounced check charge. I will never use a Sears Credit  Card again, and will stop purchases at Sears for using the services of 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 2018-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed an XXXX XXXX Account ( XXXX ) with Experian and they have simply stated it is accurate without conducting a proper investigation under FCRA requirements. Anyone that does not know anything about credit can take a look at the reporting of this account and see that there is inaccurate information. I therefore do not believe that Experian even took my dispute seriously. 

This XXXX XXXX Account ( XXXX ) was opened on XX/XX/XXXX. The account status is " charged off/never late ''. Which one is it, charged off or never late? It says {$2900.00} written off yet it shows a {$2900.00} balance. They decided to mark this as a charge off as of XX/XX/XXXX ( without any late payments leading up to a charge off ) so that they can continue to report this account until XXXX instead of XXXX as it should have originally been. 

The first date of delinquency for this account is actually in XXXX. There is a 4 year statue of limitations in Florida and a 7 year from first date of delinquency reporting max per FCRA.

This credit bureau ( Experian ) is allowing inaccurate, incomplete and erroneous information to show on my credit report and just recently cost me a denial for a loan because the bank thought i just charged off an account this past month. Obviously there is a big difference between charging off an account in XXXX vs 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 non-monetary relief
Consumer complaint received 2018-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one is blocking external transfers and I need access to my financial records! I am trying to sign into my online account so that an external transfer can take place and capital one has blocked it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Sir, I have paying monthly fee to Experian Credit Bureau to check my credit report and communicate false information to Experian. On XX/XX/2018, Experian placed Fraud Alert on my credit report without my notice using my identity, also mentioned as consumer statement. I have no idea, how did Experian place so called XXXX ID security and fraud alert. I have also not any notification from Experian on this. I ran Experian credit report on XX/XX/2018 and came to know this fraud alert placed using my identity and also without my notice. I think, someone used my identity fraudulently and placed this alert. Experian must provide the complete details of this fraud alert so that I can contact Law Enforcement on this. Also, this fraud must be removed from credit report removed immediately. Also, I have closed all my credit records and only one credit card open, which has very minimal balance. I do not have any other Auto or any mortgage loans. I have only one credit card with my  identification and social. Experian holds the complete legal accountability and responsibility for placing this kind of fraud alerts without consumer 's notice and request. Could you kindly direct Experian to provide me the details of this fraud alert placed on XX/XX/2018 and also who placed this fraud alert on my credit report. Could you kindly direct Experian to remove this fraud alert immediately from credit report without further delays. I have communicated to experian that Experian holds that complete legal accountability and responsibility for placing this kind of fraud alerts and mixing my SSN, there should not be anyone who is associated to my social. Its considered as identification theft if someone uses my identity or Experian entertains anyone uses my identify.

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 2018-07-22 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: PA

Complaint narrative:
I submitted a dispute to Equifax for account verification and what i got back was a piece of paper with the amount of the debt and some dates not my personal information or a contract stating that that debt was mine. 
XXXX XXXX XXXX is reporting on my report but somehow XXXX XXXX is who supposedly verified my information with was not verified Equifax its reporting unverified information on my credit report and they are not conducting a proper investigation. 

XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: NC

Complaint narrative:
XXXX XXXX  charged off an overdraft account back in XXXX and we got letters from the IRS that we owe the taxes on this amount. We also have Knight Adj Bureau trying to collect this same amount, that has been charged off and again the IRS is sending us statements we owe taxes on this " charged off '' amount. 
I have challenged this credit on my credit report and Knight Adj Bureau will not remove it. 
The charge off was back in XXXX, K.A.B. opened the file on XX/XX/XXXX. 
So how can XXXX XXXX  charge it off, get a tax credit in XXXX and then sell the debt in XXXX? Seems illegal! 
Why do I have to pay taxes on this amount and also be expected to pay the debt as well? 
I have never seen or heard of this and I want it removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX both told me they did not run a report on the borrower so i sent and paid for my earnest money and survey, plus appraisal wait never mind they both said they never do that so i have a doj lien that i showed was not mine with all my ID theft, Police report and they still refuse to do my loans i feel like i'm getting the old fashion crying about my race but keep in mind several huge company were sued b/c of this LIKE XXXX i just want the house and provided the documentation that was needed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZIONS BANCORPORATION
State: NC

Complaint narrative:
Zions Bank charged off an overdraft account back in XXXX and we got letters from the IRS that we owe the taxes on this amount. We also have XXXX XXXX XXXX trying to collect this same amount, that has been charged off and again the IRS is sending us statements we owe taxes on this " charged off '' amount. 
I have challenged this credit on my credit report and XXXX XXXX XXXX will not remove it. 
The charge off was back in XXXX, XXXX. opened the file on XX/XX/XXXX. 
So how can Zions bank charge it off, get a tax credit in XXXX and then sell the debt in XXXX? Seems illegal! 
Why do I have to pay taxes on this amount and also be expected to pay the debt as well? 
I have never seen or heard of this and I want it removed from my credit report immediately!

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 2018-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This will be my third case made with the CFPB regarding the same matter. It's regarding a cashed balance transfer check by an unknown person with an account involving XXXX XXXX. This will also be my second time filing a complaint with Capital One. This matter has been ongoing for almost six months. Every time I've dealt with Capital One, I've been given the run around only to be told it's another institutions problem. Both XXXX XXXX, and XXXX have concluded that Capital One needs to be the party to handle this investigation, because they issued the check. I am currently paying interest on my Capital One Credit card account for an amount of {$3400.00}, that I did not charge myself. It has affected my credit and not to mention the anxiety and frustration I have felt for six months. I feel like Capital One is not taking accountability, and not doing everything possible to see this matter through. An unknown source cashed a check and received the amount of XXXX, and I am paying the price for it. It is fraud or theft and no one is taking it seriously. I want this matter resolved once and for all, or my next step will be to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: NV

Complaint narrative:
My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I noticed on my credit report address in XXXX. I never lived in XXXX just XXXX and XXXX XXXX XXXX. Please delete any and all XXXX addresses from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My Mortgage closed in XXXX with XXXX XXXX of New Jersey. It was then bought by Countrywide Mortgage that is Now Bank of America Mortgage. The loan amount was {$100000.00}. 

In or around XXXX, Countrywide used a predatory lending practice on my account by refusing my payments. I contacted the company to rectify the issue and they were forcing me to loose my house. Because of my family situation, I couldn't allow to loose my house. I provided them we that information. They used the information against me and put more pressure that I am going to loose my house. While contacting higher in their organizational hierarchy, they contacted my e-mail provider and requested for my e-mail to be shut down and it happened. 

I continue corresponding with a snail mail. After long negotiation, we agreed that I pay the arrears and they will put my account current and continue with the mortgage. I paid the sum of more than {$8500.00} to get my account current and I paid for 2 years above the normal payments needed to rectify the issue. 

Instead of honoring the agreement the company added {$19000.00} to the principal. That brought the principal to {$120000.00} from {$100000.00} and they took my {$8500.00} and did not show where it was applied to in my account. 

Again, with a family of XXXX and wanting to make sure that the standard of living does not deteriorate, I contacted and informed they company of the problems with positive solution. 
When Countrywide Mortgage failed and Bank of America took over, I contacted Bank of America about the ordeal. There were few exchanges and no proper solution. This has been going on all the time.

I have tried to refinance my mortgages more than 4 times, including with Bank of America itself, and every time I try the predatory practice that was put in place by Countrywide now Bank of America would cause my loan to be rejected and I could not refinance.

About two month ago, I contacted the company ( Bank of America Mortgage ) again for solution. They replied twice and stop replying to my correspondence.

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 2018-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have previously submitted the FTC request for permanent opt-out for credit card offers. Capital One is the ONLY company who consistently continues to send me pre-approved credit card offer requests. Further, there is nowhere on their letters ( most recent one is attached ) that allows for an opt-out to stop receiving their communications. It is extremely frustrating and I believe their letters must not be in compliance because every other offer I have ever received allows the consumer to opt out in some way. Capital One does not include anything though.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I noticed on my credit report address in XXXX. I never lived in XXXX just XXXX and XXXX XXXX XXXX. Please delete any and all XXXX addresses from my credit file.

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 2018-07-22 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: NV

Complaint narrative:
My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX XXXX Nevada XXXX. I noticed on my credit report address in XXXX. I never lived in XXXX just XXXX and XXXX XXXX XXXX. Please delete any and all XXXX addresses from my credit file.

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 2018-07-22 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: NV

Complaint narrative:
Incorrect addresses on 3 credit bureaus Please remove all addresses from XXXX off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I had a credit loan from Credit Acceptance over 22 years ago and they have taken in tax money over {$3000.00}, but will never report. Will not come off my report, my life has had denial, from any type of loans for over 22 years, for Credit Acceptance continues to have other agencies buy the account since and continue to harass my life, still continuing today XX/XX/2018. Big affect upon my credit scoring and report appearing two times, as of XX/XX/2018.

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