vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 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: NC

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX of 2016 i send the payment but something went wrong with the payment and they send me the money back and report a lated payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NC

Complaint narrative:
" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NC

Complaint narrative:
" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NC

Complaint narrative:
" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NC

Complaint narrative:
" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NC

Complaint narrative:
" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Because of my consistently low bank balance and foreign sounding name, I have been discriminated when the bank uses banks " security '' policies, rules and regulations to harass, threaten and fine me into dismissal if I don't pay unsolicited or unpublicized fees and fines simply because I don't purchase the kinds of products that earn the bank more revenue. 

Although I have registered many complaints about how after years of paying excessive fines/fees that were never advertised or disclosed when I opened the accounts, the customer service is poor and sometimes illegal ( because of various data breaches and poor technology services that keep me from accessing my money in a convenient manner ), I have put up with this because of the administrative hassle of changing banks, and as a result have been a loyal and a legally abiding customer for years. 

Yet, because one client gave me one fraudulent check, I was being threatened in a hostile tone by one customer service with the prospect of being discharged from the bank for being deemed " at risk ''. I have been talked down to in unprofessional, informal manner and gaslighted and forced to take the blame for " allowing '' myself to receive a bad check even though I was the victim. 

I am a business owner and often have to assume risk that some checks might be bad. It doesn't mean that I should be treated like a common criminal like this company treated me as as retaliation and harassment for passionately complaining about their illegal and profit scheming practices the day before. These threats and this harassment to discharge me is not only discriminatory, but has systematically resulted through years of non-advertised fines and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NC

Complaint narrative:
Graduated XXXX and began repayment in what I was told was an eligible repayment program for public service loan forgiveness. I've been full time employed in XXXX XXXX for XXXX years - all during the time of loan repayment. Made payments monthly and on time as required. Recently applied in XX/XX/XXXX at the end of my 120 payments and was denied due to being enrolled in the wrong payment plan. I understand this is a common complaint. Looking for advice for those who entered into these programs with the understanding we were doing what we were supposed to only to be denied after 120 payments, 10 years of being misled or misinformed. 

I appreciate your consideration and advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2018, I received a letter dated XX/XX/2018 from Bank of America " advising '' me that my credit card account ending in ... XXXXhas been closed because my " risk profile no longer aligns with the bank 's tolerance risk ''. As a result, all my " REWARD POINTS associated with this account they'll will be forfeited " Although i handled all my accounts with BofA ( checking and credit cards, personal and business, in an EXCELLENT manner, what is most unfair if not unjust and possibly illegal, is the forfeiture of XXXX reward points, valued at between {$12000.00} and {$18000.00} that I EARNED over a period of time ( by using their cards extensively, helping the bank make profits and myself EARN my rewards ). I let them accumulate so that my wife and I, now in our late XXXX 's age wise, can use later in life. 

Although upset that arbitrarily and for no justifiable reason the bank closed my accounts, I am demanding and expect to be allowed to redeem the points I earned by using the card ( by which use obviously the bank benefited enough to award me almost 2 million points over 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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax was hacked and allowed all my personal information to be stolen. I have had to place credit freezes on all my Credit Reports from all 4 agencies. I am now a victim of identity theft. I can not believe that Equifax is still in business ... ..XXXX XXXX Americans were hacked in something that could have been prevented but their incompetence has allowed XXXX XXXX Americans to be victims - This is unacceptable and not only should the heads of that company be held legally responsible but the company should be forced into closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/18, I received a promotional offer via email from CareCredit Rewards. The terms of the offer were as follows : " Spend {$250.00} and Earn a {$25.00} Statement Credit* '' or " Spend {$500.00} and Earn a {$50.00} Statement Credit* '' on purchases now through XX/XX/18 ( *Excludes In-Network Purchases ). After registering for the offer, I spent {$560.00} on out-of-network purchases prior to XX/XX/18. On XX/XX/18 I received a {$25.00} statement credit. When I called CareCredit on XX/XX/18 and asked why I received only a {$25.00} statement credit rather than the {$50.00} statement credit that I had earned under the terms of the promotional offer, I was told that a {$50.00} statement credit would only be earned on a single purchase of {$500.00} or more. When I objected because that condition does not appear in the promotional offer that I received on XX/XX/18, I was told that my complaint would be reviewed by CareCredit 's marketing team ; and I would be notified of its decision within 10 days. As of XX/XX/18 ( i.e., 16 days later ), I had not received a response to my complaint ; so I called CareCredit again and was told that the marketing team had reviewed my complaint and denied it. In summary, I am owed an additional {$25.00} statement credit by CareCredit because I met the terms of its offer by spending more than {$500.00} during the qualifying period after registering for it ; and the offer did NOT indicate that {$500.00} had to be spent on a single purchase to earn a {$50.00} statement credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I was given a modification loan in XX/XX/2017, signed and sent it back. Started making all of my payments, but Rushmore Loan Management was not posting them, they were just holding them, and putting non payment on my credit report, after ( 1 ) year and many attempts to get a hold of them to explain, they send me another loan in the mail for more money on the payment. I did not sign, I wanted answers as to why and they back dated the new loan to last year which means all of my payments were short. After trying for several months to get my rep XXXX XXXX to respond, I finally got a hold of someone who made him call me. He gave me what seemed a reasonable answer but basically he said Rushmore made a mistake on the paperwork. He said they would work with me to catch up on the short pays since it was not my fault. So I sent the paperwork back signed. At this point, I wasn't aloud to make my payment. I called XXXX XXXX at least 10 times to try to get my payment in, but he never returned my call. So I mailed a check. The check after 2 weeks has not posted per my online statement and I received intent to file foreclosure paperwork in the mail. No phone call, no reason why. I tried XXXX XXXX another 2 times and still nothing. They lied and miss represented the status getting me to sign the paperwork. I am upset at how they are handling my account. I have been trying to work with them and have call logs on my phone of the number of times I've tried to get in touch with them, with no return call. I also have email documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I have tried several times to dispute the information on my credit report from this company. Through both the credit bureaus and directly from the company. I asked for a debt validation letter which they did not provide. They never sent me any initial letter showing that they are trying to collect on this debt. It just appeared on my credit report. Also it is my understanding that this company is not licensed in my state to collect debt in my state. This company has also had to pay millions of dollars in fines for illegal debt collecting practices and illegal credit reporting practices by violation the FCRA. 

two accounts {$790.00} {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern. 

Bank of America which I have had an account with for over a decade has recently been holding my funds and causing my bill pay to incur fees on me. Specifically the last check I deposited, for {$3500.00}, has a 2 week hold placed on it and BOA is telling me that they can not release the funds until Bank of America receives the funds. Fortunately the check is from my companies business account so I have verified with XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX that the funds have indeed cleared, been removed from my business account and have passed thru the Federal Reserve so the only place they can be in in Bank of Americas hands. I placed this deposit on XX/XX/2018 it is not XX/XX/2018 and they are still insisting that they have not received funds. I have been to the XXXX XXXX BOA branch 2 times and called corporate 4 times to get this resolved. All of them insist that the funds are not there. 

What is really happening is that I have an S-Corp for years I have co-endorsed my business checks and just deposited then into my checking account with BOA as a S-Corp allows for the co-mingling of funds. About a month or so ago they held one of these checks ( ran up fees on me, which I did not complain about ) and told me it was not allowed and that I had to open a business account. When I told them I had been doing it for years the person at corporate tersely told me well you finally got caught as if I were scamming them. Fine company policy is company policy, but I decided that I would not be opening that business account with BOA so I opened one last month with XXXX. I wrote a check from this account to my personal account and did not account for a fee so it NSFed. That is completely on me and as soon as the funds were available in my business account again I went down and had XXXX issue a cashier 's check, took it to Bank of America and cleaned up the mess. This was completely on me and I dealt with the issue. Now they are using this as an excuse to hold my check I deposited for two weeks as nothing more than a punitive measure and to rack up fees. There is no uncertainty that Bank of America has those funds as it has been confirmed with XXXX, they have had them since the XXXX. As at this point I would stop payment on that check, return it to my Business account and move the money via cash to my BOA account to cover funds.

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 2018-10-12 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: WA

Complaint narrative:
Someone created a virtual card corresponding with my Bank of America credit card. Between XX/XX/XXXX & XX/XX/XXXX they charged XXXX {$5000.00}. We ( my wife & I ) use the card 1 or two times per month. Saturday, XX/XX/XXXX @ XXXX I received a text asking if 3 listed transactions were fraud, I texted back " yes ''. When I got home later I called Bank of America. By talking to the BoA associate I found out that these were fraud charges numbers 7, 8, & 9 on my card. We cancelled both of our cards, they re-issued new cards we were to receive in 7-10 days. I thought this would suspend all charging to my account until we activated our new cards .... Fraudulent charges continued immediately the next day and through the week.

I received another text from BoA on Friday, XX/XX/XXXX @ XXXX asking if the 3 charges listed were fraudulent, I replied " yes ''. One of the charges was XXXX XXXX XXXX, obviously some Asian fraudulent looking charge. I again called BoA and talked to an associate, found out there were charges throughout the week. We cancelled the cards that we hadn't even received yet. They removed all the charges from our record. 

We received a letter XX/XX/XXXX stating that they investigated & thought there was " NO FRAUD ''. The charges went back onto our account. I called BoA in early XXXX re-stating that these charges are fraudulent, we had our credit cards in our possession, we didn't loan them to anyone, & we did not make the charges. They removed the charges. 

We received two letters XX/XX/XXXX stating that they have completed an investigation and concluded no fraud. 

On XX/XX/XXXX I sent a certified letter to BoA re-stating the charges were fraud. I had also found many mistakes in there letters & billing. 1 ) No fraud on accounts ( credit card numbers ) where we weren't claiming any fraud. 2 ) Charges on our bill where they indicated that the charge was declined in the text that they sent me. 3 ) That we had never created a virtual card associated with this credit card. ( Why create a virtual card if we have chipped cards? ) 4 ) That we don't recognize the phone number associated with this credit card. I NEVER RECEIVED A RESPONSE TO THIS LETTER! 

On XX/XX/XXXX I sent ANOTHER certified letter to BoA asking them to 1 ) Remove the fraudulent charges, 2 ) removed the finance & interest payments, 3 ) Send me an accurate statement, 4 ) Send me evidence, logic, & reasoning as to why they think these charges are not fraudulent. 

On XX/XX/XXXX I received a letter from BoA stating we've reviewed your claim, we still think there is no fraud. We know you disagree, but we're not going to resolve in your favor.

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 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Siwell Inc
State: TX

Complaint narrative:
Couple of months ago, I contacted XXXX about Capitol Mortgage Service Co. out of XXXX, TX because they were not reporting my payment history being made to all credit agencies. Then they report to ONE credit agency in XXXX and XXXX closed the case. They did not report since then nor to the other agencies. On XXXX and XXXX  agency it shows my last payment in XX/XX/2018, it is now XXXX On XXXX  is shows my last payment in XX/XX/2018. 
I contact Capitol Mortgage Services- -again and I was told " there is a process we have to use, we are doing the best we can '' - -at this point, I told her their " process '' needs to be reviewed and please update my payment history, it brings down my credit scores, I was told they are " working the process. '' All In the world I am asking is for them to keep my payment history updated. To ME, this is not a hard situation, but it seems that way with this company. I have never had a problem with mortgage companies NOT doing this before.

Company response to consumer: Closed with explanation