vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Over multiple years, I called and requested never to receive credit card applications in the mail from Bank of America ( I am an account holder ). At the time I was granted manager assurance that I will not longer receive card applications ; also that I have made it onto the correct list time. Flash forward 6-8 month later after moving to a new address, I received a credit card application in the mail. I called Bank of America again and a customer service specialist ( after 30min on the phone ) informed me there is nothing he can do. I went on to question him about his policy and what I have to do to never get another application in the mail. He again told me he could do nothing. It turns out the system is set up to pull only address from their database and is not linking in any way to the active account ( I already have with them ). The same account with the current updated address that can not be mailed to. That is how I received another application in the mail ; THEY FOUND A LOOP HOLE. So every year after I move to a new address I will have to call them to update my address and then go on to another specialist just to specifically ask the new address be added to the DO NOT MAIL list. UPON which he stated it takes them 90days to process that request. I CONSIDER THIS A YEARLY RISK TO MY PERSONAL FINANCE SECURITY. Every Year for three month I will receive card application in the mail. And nothing I can do changes this fact with current Bank of America Opt Out mailing policy. They do not link you new address to your account  when mailing.

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 2018-08-09 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a prepaid AMEX Serve credit card in the mail. I immediately knew something was wrong as it was made out in my maiden name. When I contacted AMEX fraud department, my suspicious were confirmed as the credit card request was made from an email address that I do not have. The email address was XXXX. 
Amex did confirm that the identify thief had my DOB, SS # and mailing address. 
I asked to close the account. It took 6 phone calls to the overseas fraud department and unsympathetic representatives who were reading from a script. At one point, when I asked for a case #, report # or a form of confirmation that the matter was being handled, the rep told me he was sending me a confirmation to the email address were the fake request was made. I was furious! I asked to speak with US representative who could actually assist me. All 6 calls to AMEX fraud department results in hang ups during my conversations. They never gave me a confirmation in writing or a case #. I contacted the credit bureaus and placed a freeze on my credit. American Express is absolutely irresponsible in handling identify theft! I still do not know what is going on with the credit card fraudulently opened in my name with my information! I request to speak with someone in the US office to address this serious matter. I am seeking legal advice if any damage occurs to my perfect credit due to AMEX negligence and mishandling of an identity theft matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: MI

Complaint narrative:
In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXX XXXX   Checking account for the Month of XX/XX/XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: MI

Complaint narrative:
In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXX XXXX   Checking account for the Month of XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.

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 2018-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: SC

Complaint narrative:
I originally was assigned to XXXX XXXX as my federal student loans lender in XX/XX/XXXX. Once I started making payments to them I was very careful about ensuring that my payment type would qualify for PSLF. I called several times to ensure this before I started making payments and was reassured on more than one occasion that my payment plan would qualify. 
In XX/XX/XXXX I was transferred to XXXX due to doing my first PSLF certification forms. I was just notified today that the 38 payments made with XXXX would not qualify although XXXX reassured me that my plan would qualify. XXXX also advised that there was no need to certify my employment until I reached 120 payments as I am a XXXX XXXX, but I acted on information from my company and am glad I did. I would like to know if there is an appeals process since I was acing on the bad information provided and have invested thousands of dollars that don't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
I applied for a loan with speedy cash in the amount of {$1000.00} I made payments until they started taking out extra money at random times and my bank blocked them. I had made over 1500.00 in payments ( I have the bank statemetns that reflect such ) They have now turned me over to a collection agency for the amount of {$1000.00} I have disputed and disputed and keep getting letters. The interest on this loan was 353.302 % I have paid this loan off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Ive been requesting a modification since XX/XX/2017. That is when I was able to make my trial payments after my retirement went through.XXXX put through a modification in XX/XX/2017 when I had no income to pay. Currently I can make the 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 2018-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Good Afternoon, I have an overdraft line of credit with Santander Bank US. In the past year, I have been charged fees, always in the amount of {$50.00}, totaling about {$400.00}. When I called the bank to ask for an explanation, they claimed that the most recent fee was an annual fee and claimed to have no record of the previous fees ( which I've already paid ). 
I'm just trying to get a reasonable explanation. These fees can not be late fees, because they all exceed the amount that I owed each month on the account. 
Please help! 
Thank you. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
FREEDOM MORTGAGE.We started a claim with our insurance company due to vandalism of our property. They issued the check without any delay, however, it had to be endorsed by Freedom Mortgage as well. We understand. HOWEVER, FM delayed the reimbursement by 3 months, for various reasons. Our house was under repair, and we had to pay out of pocket while we waited for them to process our claim check. During final inspection of the property, we scheduled with two separate inspectors, and they never showed up. Every time we called for status update, no one seemed to know the hold up, we experienced horrible customer service. We felt everything was done with intention to foreclose the home, we couldn't afford both the mortgage and the repair costs, because our insurance check never came through on time.

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 2018-08-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As a consumer on multiple instances, I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have repeatedly asked for evidence to support their reportings, but yet again they have failed to provide me with a copy of any viable evidence submitted by ( XXXX ) and ( XXXX XXXX ) substantiating their claims. Furthermore, I have requested their method of verification, and they have not complied, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). and allowing the negative items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX Account # XXXX as well as XXXX XXXX Account # XXXX. And XXXX  XXXX XXXX Account # XXXX, as well as XXXX Account # XXXX, are all in violation of the FCRA ... 

I have sent certified mail to the credit bureaus named Experian and XXXX 3 times to validate and verify 2 accounts on my report. They come back with " verified '' or updated on my report. I asked for proof of verification to show me how this is indeed my debt and they never have any signed contracts or proof to send back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Federated Law Group
State: GA

Complaint narrative:
4 different collection companies sent demand notice ( " FEDERATED LAW GROUP, XXXX XXXX, XXXX XXXX AND XXXX XXXX '' ) for same debt that's not mine AND VIOLATES " FCBA AND FDCPA '' ... FRAUD AFFIDAVIT FILED WITH ALL " CRA ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
Diversified Consultants calls me, on the average, once a weekday. 

I am 100 % debt free. I do not owe any money to any entity. I know this because it is a recent achievement, a very deliberate financial state on my part, and something I take pride in. My credit reports contain XXXX derogatory marks, 100 % of payments are on time. 

The organization contacting me has used different numbers at different times. 
XXXX on XX/XX/2018 at XXXX EDT. 
XXXX on XX/XX/2018 at XXXX EDT. 
XXXX on XX/XX/2018 at XXXX EDT. 
XXXX on XX/XX/2018 at XXXX EDT. 

This has been going on for longer than the dates mentioned and I can provide additional dates and times of unsolicited phone calls if necessary. 

They do not ever leave a voice mail requesting a call back. I have not and will not answer any number that looks like the numbers above. But if I call any of these numbers back, I get a recording from Diversified Consultants that says to press XXXX to make a payment. I am not making any payments to this organization ever, as it is a fact that I currently do not have any debts. Whatever their reasons are for contacting me must be incorrect, but I grow weary of these daily suspicious phone calls with no voice message left.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
DEBT NOT VALID ON REPORTING CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
I am owed a refund on Escrow from loancare, I still havent recieved my check and the email doesnt go through to them. When i talk to a customer service rep I am told it will be escalated. this has been going on since 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 2018-08-09 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I found some fraudulent charges on my Wells Fargo statement and went into the bank for help. My banker told me to go home and look at all of my statements for any other discrepancies and come back. I found over {$1000.00} of unrecognized/unauthorized charges going back about one year. I highlighted the questionable charges and went back to the bank. The banker then told me to go home and call these companies and try to get resolution. I went home and called the legit companies such as XXXX and XXXX. The other companies had no number to contact them.I went back into the bank and the banker also tried to locate the companies by online search, to no avail. He called the fraud department and helped me submit a claim. I was refunded {$120.00} and never heard back from fraud department regarding the remaining charges. I called today and was told by XXXX in XXXX department they refunded the {$120.00} but aren't even going to look into other claims because they are more than 60 days old. My banker never said there was a time limit and encouraged me to research this. This is not the first time I have had either fraudulent charges or attempts to charge against my account that was stopped. One of the fraud charges I was told they were coming in " through the back door '' of the bank. I am not sure what that means

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 2018-08-09 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: CT

Complaint narrative:
I have sent 4 letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 all certified mail. 
According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through physical verification of the original signed consumer contract - any and all accounts you post on a credit report. otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of these accounts listed below. Your fail to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Verify or remove accounts listed below. Thank You for your prompt assistance in this matter. 
XXXX XXXX XXXX ...., XXXX XXXX bank XXXX ...., XXXX bank XXXX ...., XXXX XXXX bank XXXX ... .., 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 2018-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In XXXX I owed Citi Card XXXX. I was undergoing some very severe hardships due to my husbands illness. I had to cut back on my job. I finally agreed to start paying back the debt. I thought the fees stopped accumulating when I stopped the card. I had them take XXXX a month out of my bank .This went on until XXXX. I noticed I had a few extra dollars in my account. When I spoke to a lady at my bank she said it was no longer being taken out. I got the number from her. She said it wasn't like a normal withdrawal. The only communication I had in all this time with Citi was a letter stating they would be withdrawing their money. There was no balance or any communication.So I just assumed they were paid. Then I get a letter from XXXX XXXX saying they had taken over the account. This was in XX/XX/XXXX. The balance was XXXX had called Citi Cards and got someone who spoke ragged XXXX and when I tried to explain why I was calling I got an mean attitude. So I called XXXX. The gentleman I spoke with was very nice .He said he would send me what they had got from Citi.I feel like Citi continued to charge late fees even after card was canceled.

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 2018-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DC

Complaint narrative:
Below is the letter that I sent the company describing the issue regarding payment fees : To Whom it May Concern : Paying your bills on time is a must in America. What is foul is that you charge individuals after the XXXX of each month. The usual terms in a mortgage is that you must until the XXXX of each month to pay. It is the XX/XX/XXXX and XXXX XXXX applies that it's ok to charge people via the phone or the website. The only ways to avoid these charges ( $ XXXX- {$12.00} prior to the XXXX of each month ) is to do bill pay thru my Bank and or mail a check. This is not XXXX 's, its XX/XX/2018. The methods that are convenient for consumers and your company has a toll. Thats between $ XXXX- {$140.00} annually just because my loan was sold another loan company. As a consumer I have no power over who sells my loan. 
When I first used the phone payment, it takes two business days. Thru my Bank it's going to take 5 business days. I contacted LoanCare via phone and talked with XXXX XXXX XXXX. I communicated with her regarding the issue and she even told me that her loan ( Different Loan Company ) allows payment without extra fees prior to the XXXX. XXXX XXXX is an asset to your company because she explained the issue and it basically over her pay grade. I'm contacting the Consumer Financial Protection Bureau to voice the issues. Check what XXXX says about your website. Stop stealing from hard working Americans that understand the value of paying their bills on time. 

Regards, 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 2018-08-09 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had discovered from my credit report an unknown account from American Express. 
The account number starts with XXXXwhich is not mine

Company response to consumer: Closed with explanation