vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with XXXX XXXX XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: GA

Complaint narrative:
To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with XXXX XXXX XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. 

Thank you, 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 non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: IL

Complaint narrative:
On XX/XX/2018 I called allied collection services at XXXX and spoke with XXXX XXXX, I asked who they were and what is the debt for. He stated thats its a debt collection agency and was trying to collect a debt. He also stated that it was for XXXX XXXX XXXX. I then stated that Ive never lived at a place called that, then XXXX XXXX asked if I lived at a place called XXXX XXXX I answered no. He asked me to give him to Wednesday to figure it out. I called back on Wednesday. I was told that it was my debt and I asked if I can get verification, they stated that they have my name, number, address, and drivers license number. I stated that that was not Verification and to send a contact to my address. They then hung up the phone on me.

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 2018-08-17 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: NV

Complaint narrative:
I have been fighting with XXXX and TransUnion to report proper history for 3 student loans that they continuously report late for months that were in forbearance. My wife contacted the student loan people directly and they confirmed there should be NO late payments reporting for the year XXXX, XXXX nor XXXX and if one call can confirm this why haven't either one of the companies made that call or even asked for the paperwork? I have been working on this since XXXX and have yet to get them to fix the mistake.

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 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: AL

Complaint narrative:
Discover repeatedly for months lied to me and stated that my secured credit card would be reviewed and graduate to an unsecured card after being with them for 6 months. I always paid more than the minimum amount due and never paid a bill late. Everytime I spoke with a representative I received contradicting responses. Out of pure frustration of continuously receiving misleading and blatant lies from customer service representatives at Discover I decided to close out my account. I proceeded to apply and receive 2 other credit cards, one with XXXX XXXX and another with XXXX, for which I was approved with a higher spending limit than Discover and unsecured! Fast forward 3 months after I closed out my Discover account I have yet to receive my check of {$1000.00} which was secured deposit funds. I've spoke to 4 different customer service representatives before one of them thought to ask me to verify my address and realize that the apartment number was missing and therefore my check never reached me! I called again 2 days ago and was told a check was going to get re-issued, I asked if it could get expedited and was told that they would escalate to see if possible and to follow up. I called today and yet again a different story! This time I was told that I have to wait for an investigation to see if the first check was cashed before they could issue a replacement check. How FRUSTRATING! When I authorize the {$1000.00} as funding for security deposit Discover did not hesitate to withdraw funds from my account, however now that I cancelled because of misleading and poor customer service and want my money back they are taking extremely long and throwing all sorts of hurdles my way. I would never bank or apply for any services with them. I will make sure I tell ALL of my friends, family and co-workers, heck even strangers I encounter on a daily about the horrible service I received and that fact that no one I've ever spoken to has taken accountability for their company and offered a solution even close to above and beyond. I've never received such poor treatment from any company I've done business with and this is the very reason why I am appalled and in shock that they continue to receive the amount of business they do. They definitely do not put their customers first nor offer one call resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or around XX/XX/XXXX I found out Bank of America closed my credit card account due to a Bankruptcy filing. Upon investigating this, I found out that someone named " XXXX XXXX XXXX '' that lives in Texas and shares the same last four numbers of my SSN filed for bankruptcy and Bank of America confused me with him and closed my account. After Bank of America investigated on their own, they confirmed that it was not me that filed for bankruptcy and reinstated my account. Before reinstating my account they pulled my credit score with the promise that they would remove it from the credit bureaus as this was not my mistake ( it was never removed, see attachment ). 

After my account was reopened I noticed that I could not log in to my online account with Bank of America. Due to life circumstances, I was unable to call them to try and get this fixed until I called on XX/XX/XXXX. I eventually ended up getting transferred to XXXX at ( XXXX ), he advised me that he would look into this and would call me back.On XX/XX/XXXX I get a call from XXXX and he advises that since the account has been inactive, that I should make a purchase and then try logging in again as the purchase might be able to re-enable my online account. I made a purchase the same day and called him back to let him know that I was still unable to access my account and he then advised me to wait until the charge was posted and try again. Then on XX/XX/XXXX I get a call from him to let me know that my account was now closed due to inactivity and that he was unable to help me out any further. 

On XX/XX/XXXX I received notifications from credit monitoring that Bank of America reported my account closed due to Bankruptcy again and my credit score dropped 93 points from XXXX to XXXX due to this. I called XXXX back and ended up getting a call from his co-worker due to XXXX being off and they gave me the number for the Bankruptcy Unit and transferred me over. I spoke to the Bankruptcy Unit same day ( XX/XX/XXXX ) and they advised me that they would have to investigate this again, but that I would not get a call back from them and that I should follow up in a few days. I also advised them that I have a letter from the other person 's lawyer that I got last year stating that the bankruptcy does not belong to me and they asked me to fax it ( see attachment ).

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 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
In XX/XX/2018 I called shellpoint to let them know that my husband was gon na be out work for 3 weeks and without pay. The guy I talked to said that was fine all I had to do was to spread out the month of XXXX over a 6 month period and my payments were XXXX at that time. So my payments would go up to XXXX a month starting at the beginning of XXXX. I said that would work. He referred me to someone to set that up. I called and left messages and no calls for several days. When I got the call it was after the XXXX and now Im 2 months behind. So to get my payments below XXXX. I had to pay XXXX. So I did. Now, she was suppose to call me the next day and did not. So when I received a letter in the mail showing my new payment of XXXX a month it was after the date of getting it done. So I went online to set up a 2 month payment in XXXX. Then, something told me to call so I did. When I called the lady I talked to told me it was all set up and all I had to pay was the XXXX. I was relieved. So I set the payment up for XX/XX/XXXX. I thought everything was fine. Then I get a call on XX/XX/XXXX saying they r attempting to collect a dept. I call her back the next day and she tells me they didnt receive the payment. Now it has been 3 weeks since the payment was suppose to come out. I have a confirmation number and a 2 letters confirming all of this. She said that it didnt matter and now to get my loan current I have to pay XXXX. Excuse me??!! Then she says if I can make 2 payments adding up to XXXX that would work and then for 6 months my payment would be XXXX and if I pay the fee of XXXX for someone that drove by to take a picture to prove I am still living here it would bing my payment down to XXXX. I tell her I can only pay XXXX. She says ok. Now my payments are gon na be XXXX a month. This is not right or fair. I called for help in time and now 3 months later my 6 month payment has gone fromXXXX to XXXX. There is something wrong with this picture??!! I believe they r giving me the run around to get more money out of me or something. I have received certified letter saying I have 45 days to comply as of today XX/XX/XXXX. What am I suppose to do. I dont want to lose my home we have been here for 23 years. Help me please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLD KEY CREDIT, INC.
State: NY

Complaint narrative:
I am writing to submit a claim against Gold Key Credit INC. in the amount of {$790.00} for a medical bill for my daughter that was sent to them in error. I have never received any written communication from the company in regards to this debt nor have I ever received a call. The debt was taken on consignment from XXXX XXXX XXXX, a billing company for XXXX XXXX Hospital located in XXXX XXXX, New York. I contacted the company on XX/XX/XXXX of this year after pulling my credit and seeing the derogatory mark. Upon some investigation I have found out that this debt should never have been sent to the collection company and I would like to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 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: FL

Complaint narrative:
Declined to waive first late fee wich was only late by a couple of hours. No courtesies for long time clients and first late fee ever

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 2018-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
last year I had a XXXX XXXXXXXX XXXX XXXX credit card that I was paying on time. I had it for over 2 years and I never once had a 30 day late payment. Then all of a sudden at the XX/XX/2017, I get a call from XXXX XXXX asking why I hadn't made my minimum payment. I was confused and shocked but nevertheless I asked what the minimum payment was and what the balance was. They told me that the balance was over {$500.00}. Again I was confused because as of my records, I only owed about {$200.00}. I asked them to itemize the charges for me and that is when the problem occurred. 

XXXX XXXXXXXX XXXX XXXXt started itemizing what the charges were. They then informed me that some of the charges were for items purchased online. Just to be clear, I have NEVER purchased anything online. I don't believe in it and I like to go to the store to make my purchases. XXXX XXXX XXXX XXXX XXXX XXXX  claimed they were going to investigate it but they said that the items purchased supposedly matched the sizes of clothes I buy in store. They never actually proved this to me but just said it over the phone. I told them this was crazy and that I did not purchase anything online and that I was disputing those charges. XXXX XXXX XXXX XXXX said that these were legitimately my charges and that I had to pay the {$500.00} or else this account would go to collections. I then asked to speak to a supervisor but conveniently the supervisor was busy and would have to call me back. He never did. 

Over the last few months I received a few calls from XXXX XXXX asking me to pay this debt. I informed them that I would gladly pay them the {$200.00} I owe them but that I am not going to pay for something I didn't charge. I also asked why I still haven't spoken with a supervisor even though I asked for one. I have even disputed this with all the credit bureaus and XXXX XXXX XXXX XXXX XXXX has claimed this debt was legitimate. Bottom line, they don't care. They are sticking me with charges that aren't mine because they supposedly have proof I charged the items even though they refuse to provide me with this proof when I ask for it. They still do not provide a supervisor for me to discuss this further and now they charged the account off and are damaging my credit report. This is coercion, extortion, malice, harassment, fraud, unfair lending practices, unclean hands, whatever you want to call it. It is completely unfair and they are preventing me from obtaining credit with new creditors. Please assist me in getting XXXX XXXX XXXX XXXX XXXX to stop reporting this as it is fraudulent reporting and collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: SC

Complaint narrative:
I was contacted by XXXX XXXX. They stated my student loans in default and at risk for wage garnishments but that I qualified for student loan forgiveness. That the payments would be minimal for 3 years and everything past that would be forgiven. I set up the arrangement and began paying each month. My student loans showed as current on my credit report and the consolidation was successfully showing as current. I was notified 5 days ago that my credit score dropped 55 pts. I looked and saw that my student fed loans were in default but the consolidation loan was current. I called the student fed loan and they explained that they do not use any type of third party company on their behalf and I was being scammed. Also that an email was on the account that I did not have access to, paperless billing was set up and going to an online account that I did not set up. This company has taken money from me for 2 years. They pretended to be me and filed for forbearance so that my loans appeared current and now I have an outstanding loan with over {$500.00} left to pay appearing on my report from a company I have never done business with ( Equitable acceptance ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST
State: MO

Complaint narrative:
In XX/XX/XXXX, my Fiancee applied for a mortgage to buy a house. He was NEVER asked if he was a veteran ( he is ). He was given a pre-approval letter for an FHA loan. He made an offer on a FOR SALE BY OWNER house. He gave the seller {$5000.00} cash and got a receipt. The loan officer then informed us that XXXX needed to have XXXX in his account. I gave him cash, so then we had to wait for 3 months so the deposit was off his statements. That was XX/XX/XXXX. Then we submitted all the requested forms and jumped through all hoops. Then the appraisal came in. There were many things that needed to be fixed, pipes had burst, new wiring, new panel, new furnace, new water heater. I spent XXXX fixing it up. It also took about 2 months to have everything done. That was XXXX, we were supposed to close XX/XX/XXXX. Then the loan officer kept telling us different amounts for the closing costs, first it was XXXX, then it was XXXX then it was XXXX. I then spoke to her boss, within five minutes he asked if fiancee was a Veteran. I said yes, so after seven months we changed to a VA loan, jumped through hoops had to have ANOTHER appraisal, fixed a couple of things, then passed appraisal. He stated closing costs would not be more than XXXX. Then loan officer tells me one day the closing costs will be XXXX, then the next day she stated we need XXXX. Loan officer aid after it passes the appraisal we can close. She got the appraisal results. Now after 6 weeks of waiting she tells me yesterday XXXX needs his XXXX. She should have told us that 6 weeks ago. Then I ask about a closing date. She won't give me one. We are VERY FRUSTRATED with this bank ( BANK of the WEST ). I asked for a new loan officer, she said her boss will call me SOMETIME today.

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 2018-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The Capitol One mobile app processed 2 duplicate payments today on the due date ( in error ), and the company told by phone that the extra payments would be refunded in 5 days. I want my money refunded immediately.

Company response to consumer: Closed with monetary relief