vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America XXXX XXXX {$700.00} settlement created - {$500.00} paid XX/XX/XXXX - due date for remaining {$200.00} balance XXXX XXXX I called and gave {$200.00} payment information XXXX XXXX I called to verify payment information because it had not come out of my account yet, I was told not to worry because it takes time to process XX/XX/XXXX - received letter from Bank of America stating settlement void because not paid within 90 day period - I Called in, the BAnk of America rep couldnt see or understand why the original payment wasnt processed - He ( BoA rep ) offered and created a 2nd settlement agreement for the remaining {$200.00} balance of the original agreement because he said the error was on their end - {$200.00} payment made in full and processed while on the phone with the BoA rep XXXX received letter from collections company - made 1st recording while on the phone with collections company and BoA rep confirming all of the above - was informed by BoA rep in the recording that it doesnt matter if you call to make the payment, or follow up, if we forget to hit enter youre still responsible for paying by the due date. 
- was informed that the 2nd settlement agreement created on XX/XX/XXXX, was not approved after payment had been processed and received on XX/XX/XXXX. 

XXXX XXXX received 2nd letter - made 2nd recording again confirming all of the above

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 2019-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp
State: GA

Complaint narrative:
I am attempting to make my XXXX payment but the company has removed the ability to pay online from their Account website. They are hassling me about calling them to make regular payments or penalize me for mailing a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I had a frozen bank account and my mortgage payment for XXXX was paid late in early XXXX. My credit report after 3 requests and disputes shows XXXX still missed. XXXX XXXX and XXXX are paid. I have no arrears yet it now shows 2 late payments or missed. This has destroyed my credit and dropped me nearly 200 points. It has caused banks to reduce my facility on all cards and this should not be allowed especially after disputing the information provided to XXXX and XXXX. I am current and have no missed payments on my mortgage account with SLS. I attach my payment record and a current statement from SLS to show no arrears and next payment due XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Centron Services
State: MT

Complaint narrative:
XXXX XXXX XXXX XXXX sent me a letter stating that I owed a medical bill that I knew nothing about. I submitted a certified mail request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. XXXX XXXX failed to validate the debt. They just sent me a two page photocopied bill that looked like they made up that had my name on it with the amount that they accused me of owing. So, I sent a second certified mail letter to XXXX XXXX XXXX XXXX, again, requesting that they prove that I am the one that is contractually obligated to this debt and that they have the right to legally collect on such debt. XXXX XXXX failed to do so, but, moved forward and reported this fraudulent debt to the three major credit bureaus, thus effecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America visa card On XX/XX/XXXX I closed credit card. I'm a senior citizen and was a victim of social security gift card scam. I was called on my cell where the number for SSA appeared. I answered the call and was told my SS # had been used in criminal activity. To protect my money in bank I was to purchase the gift cards, scratch them, take photo and send by email to : XXXX, where my money would be protected until they would issue a new number. In this bank the amount is {$5500.00} in gift cards. {$5000.00} XXXX XXXX cards & {$500.00} XXXX XXXX cards. 

I asked the bank in letter written to them on XX/XX/XXXX to help me and give me credit for the scam charges and sent them all documentation from OIG.SSA.GOV, pages from SS scam, copies of gift cards. 

The bank response letter dated XX/XX/XXXX stated they completed investigation and charges would remain on my statement. They wanted credits from the stores to be mailed to them. I did contact the presidents of both XXXX XXXX and XXXX XXXX by letter, certified mail RRR. NO ANSWER to me to date. 

I need help from CFPB in resolving this issue. I'm a senior living of monthly social security checks. 

Thank You.

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 2019-04-28 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: NY

Complaint narrative:
I have been trying to initiate a credit report freeze with Experian, but have been unable to get enough information from the company to do so. The online system won't allow me to complete this online, and provides me with information on how to mail in my information. However, I need to know what the process would be for unfreezing the account before I do this. 

I tried calling, but can't speak to a human. Instead, I get a recording of the information I would need to mail in -- but I'm afraid of doing this as I have no idea of how I would then be able to unfreeze it. 

The only option I see to easily freeze/ unfreeze is to pay Experian XXXX XXXX month for both me and my husband to lock it. The barriers for the free freeze are intense, and I'm afraid of doing it because I have no idea how I would then unfreeze it. 

If I could just find a way to speak to a human, I might be able to do so. I've called many times, but the phone tree leads me to only recordings. I feel stuck, and forced to pay a fee to protect my credit account. The other credit bureaus made this freeze process easy, creating an online account and providing a pin number to easily freeze/ unfreeze as I need. I feel like I have no control with Experian.

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 2019-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This complaint is in reference to ID # XXXX-XXXX concerning Capital One card services. Capital One is still giving me the run around in activating my credit card even though I am a current customer! I have been with Capital One for almost a year and my payments to them have always been on time. Someone named XXXX called me on XX/XX/XXXX at XXXX in the XXXX and he said that he would activate my card if I sent in the following documentation that I have ALREADY SENT to Capital One. I faxed them my state ID and my electric bill. When I called them XX/XX/XXXX to verify the service rep said that they did not have any of documents and that it would take two months to activate my card that I was approved for. Capital One are scam artists who are lying about their products. Why will it take two months to activate my second card when the first card was activated the same day? Capital One is disrespectful and dishonest and they have the worst customer service reps of any company that I have dealt with. PLEASE HELP ME!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
I received a form letter from XXXX XXXX XXXX  that my application for a XXXX XXXX credit card was not approved because ... the credit-reporting agency has indicated the applicant is deceased. ... 

When I was young, I would have found this humorous. Now in the twilight of my life, I find it predatory. 

I can supply a snapshot of the form letter if you so desire. 

XXXX XXXX is listed as the credit report provider. In trying to reach out to them, I see by their website, that before I can get this fixed, I would need to give them personal information that I would refuse to give them. I will not give out my SS number or birth date to any I dont trust. Someone, even mistakenly, who finds me dead, is not trustworthy. 

There are a number of items I would expect from a successful outcome of my death perpetrated by either XXXX or XXXX. I will give you those requests in a longer document if you ask. As an example, I would like a physical address of the US business so I could go to their office and prove my existence. A P.O. Box in CA from an LLC registered in DE gives me little confidence in their existence. Because XXXX  is similarly just a P.O., I will continue to champion the use of local Credit Unions versus big national/international financial institutions. 

I appreciate any help you can give. 

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 2019-04-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im a victim of Transunion inquiry issues. I have call to get these inquiries remove but Transunion customers service would not help me.The inquiries I will like to be remove is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX 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 2019-04-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Senior citizen victim of social security gift card scam on XX/XX/19 where I had to purchase gift cards and scratch them, photo them and email to scammer at : XXXX. 
I was told by scammer my SS # was used in criminal activity and in order for me to be issued a new number I had to do what they told me. 

Chase Credit card was for {$4000.00} in XXXX XXXX gift cards.. I called the credit card on XX/XX/19 and wrote to them on XX/XX/19 after I received letter from Bank stating the charges would appear on my statement because I had made the purchases. I also wrote letter to president of XXXX XXXX and asked them to give me credit for the scam gift cards. NO REPLY to me to date. 

I now know this is a scam from calling social security office, but at the time it happened to me the number on the phone was from social security so I fell for the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: AL

Complaint narrative:
On XXXX XX/XX/2019 XXXX XXXX filed for Chapter XXXX Bankruptcy in Arizona ( Case No XXXX ). XXXX XXXX XXXX received a Chapter XXXX bankruptcy discharge on XXXX XX/XX/2019. As you are aware the discharge prohibits any attempt to collect from the debtor a debt that has been discharged. In a case involving community property : There are also special rules that protect certain community property owned by the debtor 's spouse, even if that spouse did not file a bankruptcy case. At the time of filing XXXX XXXX XXXX, was married to XXXX XXXX XXXX. The bankruptcy case for XXXX XXXX XXXX listed all community assets as part of the bankruptcy estate. In this case the discharge operated as a community discharge where community claims were discharged for the non-filing spouse. Under Section 524 of the Bankruptcy Code, creditors of the debtor and the non-filing spouse who have a community claim on the date of the filing of the bankruptcy case are barred from asserting a claim against after acquired community property. The resulting Chapter XXXX discharge operated as a community discharge of the community debts. Please be aware that an attempt to collect a discharged debt from the community property from the non-filing spouse violates the discharge and you may be required to pay damages and attorney 's fees to the debtor.

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 2019-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a dispute with BBVA Compass Bank this month for an unauthorizeda transaction in the amount of {$350.00} to a XXXX store. The bank then froze my account and informed me they were cancelling my account. BBVA then told me to go to a local branch to withdraw my money, which I did, but was informed that I could not access my funds. I called back & was told that there was no reason for this & when pressed further for more information I was told that because they cancelled my account they would not be able to honor my dispute. I told them that they were cancelling my account after the fact so my disput was a legitimate claim. They had deposited the funds into my account but was then told they were taking it back and I Woukd have to wait 7-10 business days bc they were mailing me a check. Also, my direct deposit went into this account ( I couldnt change it in time ) but was told that I had to wait to receive my money. I have a balance of {$240.00} & my direct deposit was {$1700.00}, but they will not allow me to withdraw my funds. I am moving & need my funds but they said sorry. The dispute claim was denied but said I Woukd get a letter in the mail. I did receive said letter stating that they had put the money back into my account. I need these funds immediately. BBVA is unwilling to allow me to access these funds and I need help ASAP pleaae

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
This is not a problem with the vehicle - which was fine. This is purely a problem with XXXX XXXX XXXX billing me for additional lease payments after I have completed all my payments. XXXX XXXX even sent me a notice that I am " past due '' on a lease payment. This is affecting my credit rating, and it is harassment to be hounded for payments that I do not owe. 
I leased an XXXX XXXX for three years. The lease ( account ending XXXX ) ended XX/XX/2019. I returned the car on XX/XX/2019. During the three-years, I never missed a payment or was late on a payment. XXXX emailed me on XX/XX/2019, to confirm that I had completed my final payment due. 
But now XXXX XXXX persists in making statements that I still owe monthly payments on the lease. On XX/XX/2019, XXXX claimed in an email that I was past due. 
I repeatedly asked XXXX to stop publishing false and libelous statements claiming that I am defaulting on payments. I have an excellent credit rating and am concerned that XXXX false claims will impact me financially. 
I sent emails to XXXX on XX/XX/XXXX and XX/XX/XXXX, explaining its error. I engaged XXXX in an online chat. But XXXX refuses to acknowledge the error, and it refuses to stop the false statements about me. 
It appears that XXXX will not reasonably respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I attempted to obtain my free annual credit report from Equifax via XXXX about a month ago, and although I answered all of the ID verification questions properly the web site rejected my request and directed me to submit my request by phone or mail. I then submitted my request by phone to XXXX on XX/XX/2019. Although the automated system confirmed my request was received, to date I have not received my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On Sunday, XX/XX/XXXX I was attempting to freeze my credit reports. I was successfully able to freeze my other two credit reports - but I had problems with Experian. 

Experian was not able to accept my credit freeze request and the ONLY course of action was for me to send them a letter by mail with all of my personally identifying information. 

In an effort to protect my information, I now have to send almost all the information that would be required for stealing my identity through the mail - for NO reason that was explained to me. 

I'm not sure how it is possible in 2019 that this is the ONLY way of communicating with a credit agency.

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 2019-04-28 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: CT

Complaint narrative:
I placed a temporary freeze lift on my account with Experian from XX/XX/XXXX to XX/XX/XXXX successfully online using my PIN code. Today I entered identical information using their online form to lift the freeze temporarily again from XX/XX/XXXX to XXXX, and they are requiring me to submit onerous documentation to do so. It is impossible to contact a live person to resolve the issue.

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 2019-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TN

Complaint narrative:
My name is XXXX XXXX i am XXXX years old XXXX  and retired I am on social security and food stamps. My income is only $ XXXX  Monthly. The collation company AFNI /XXXX . XXXX claim that a had a cellphone from than a never had a cellphone from this company, an owed a cellphone from XXXX XXXX  I don't any need for another phone. I pay for My cellphone every time used it. i dont a money to pay out for any another because i widower my wife pass away

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX XX/XX/2019 XXXX XXXX filed for Chapter XXXX Bankruptcy in Arizona ( Case No XXXX ). XXXX XXXX XXXX received a Chapter XXXX bankruptcy discharge on XXXX XX/XX/2019. As you are aware the discharge prohibits any attempt to collect from the debtor a debt that has been discharged. In a case involving community property : There are also special rules that protect certain community property owned by the debtor 's spouse, even if that spouse did not file a bankruptcy case. At the time of filing XXXX XXXX XXXX, was married to XXXX XXXX XXXX. The bankruptcy case for XXXX XXXX XXXX listed all community assets as part of the bankruptcy estate. In this case the discharge operated as a community discharge where community claims were discharged for the non-filing spouse. Under Section 524 of the Bankruptcy Code, creditors of the debtor and the non-filing spouse who have a community claim on the date of the filing of the bankruptcy case are barred from asserting a claim against after acquired community property. The resulting Chapter XXXX discharge operated as a community discharge of the community debts. Please be aware that an attempt to collect a discharged debt from the community property from the non-filing spouse violates the discharge and you may be required to pay damages and attorney 's fees to the debtor.

Company response to consumer: Closed with explanation