vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is a continuation of Case #  XXXX .   XXXX    XXXX   XXXX   XXXX   XXXX  not respond, which is part of the original complaint. Very distressing, and appears intentional.

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 2017-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On  XXXX   XXXX ,  2016   XXXX   XXXX ,  XXXX  closed on a loan with Bank of America secured by commercial real estate located in  XXXX   XXXX , Colorado.     The Deed of Trust perfecting the lien on this real estate was recorded  XXXX   XXXX ,    2016  at  Reception No.    XXXX .      Loan  was Paid In Full to Bank of America in  XXXX ,  2016 .     C.R.S. st  ates 90 as an acceptable time period to release a lien once obligation has been satisfied.
Eight months later and the lien as NOT been released.
Multiple att  empts, consuming numerous man hours, to work with Bank of America have been made ; up to and including receipt of a copy of the Release of Deed of Trust which as of today 's date has NOT been submitted to the  XXXX   XXXX   Public Trustee.

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 2017-04-25 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I called Barclays card customer service to change my payment automatic payment method on  XXXX   XXXX    XXXX  . The reason I was changing my payment method was due to the fact my checking account was closed and changed to a different banking institution.     I was denied the ability to provide my payment information due to the fact of the tone of my voice. I feel appalled because I have a deeper voice then what the customer representative felt a  XXXX   XXXX   XXXX  female should sound like. I find this offensive and disrespectful.     I even asked for th e manager  who I spoke to  XXXX  and I was still denied. I verified all security questions and even additional security questions not normally asked.     -Last  4  social -Telephone number -Birth date -My husbands name I even offered my full social or mailing and property address.     This is very disrespectful especially when all I wanted to do was make sure the payment was paid on time. I am already having a hard time trying to make my payments and for them to make it more difficult for me is insane.     Being discriminated because I sound like a male? is that what this world has come to? what if I looked like a male in person or a female? Discrimination is a crime and I want this taken care of.     I was then asked to send in a copy of my ID and or utility bill to verify it was me. The funny thing is it was going to take  2 w eeks for them to verify me?     In my mind i was thinking how about my  XXXX  profile. Again Absurd I know however I am furious.     I want nothing to do with your company no longer. Especially since you are making it so difficult to make payments.     Charge off my balance!!! need I say more to discriminate someone by the sound of their voice is inhumane.

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 2017-04-25 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: DISCOVER BANK
State: GA

Complaint narrative:
On  XXXX   XXXX ,    2017, I completed a balance transfer using a promotional check sent to me via mail by Discover. I  receive them all the time but never took advantage of one until now. I transferred my balance and made my first payment. After realizing that the payment was higher than it should have been I contacte d Discover. O n  XXXX   XXXX ,  2017 , I spoke with  XXXX  in the Ohio location. After placing me on hold for several minutes she found that the reason I was charged additional was because the check processed was allegedly for a regu lar cash advance only a nd not the promotional offer. She said that they place  two  types of checks in the envelope-both  cash advance and bala nce transfer. I explained to her that this is misleading and confusing to a consumer for them to place both types of offers into the checks. I am sure that several others have made the alleged mistake that I have made before if they were not careful. I asked  XXXX  what could be done to resolve and she said that there is nothing that can be done. After almost 8 years with this company, I will be transferring my balance to a legitimate, ethical company ( i.e. my personal bank or  XXXX   XXXX  ) and closing out this car d. Discover 's practices a re deceptive and I feel so disgusted that they would take advantage of me in this way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I wrote all  XXXX  credit bureaus notifying them of an error on my credit report that if not removed will cause me to pay a much higher interest rate on a mortgage I am desperately needing.    XXXX  wrote back and said there was an issue with my Identification documents, so I called them and answered their security questions and they said the would investigate and get back to me.   Meanwhile  XXXX  wrote me and removed the error.  XXXX  and Equifax have done nothing, my loan officer said they are still showing on my credit report. It is incorrect and I need it deleted and now I have only a week to get this done!   Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nair & Levin, P.C.
State: CT

Complaint narrative:
Nair and Levin h as sent me a notice for court with an amount of  XXXX  which is a different amount from the original amount and the company has not sent a notice to dispute. This company repeatedly breaks the law and does n't follow the fdcp. Please thoroughly investigate this company for fraud and disregard for the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America ch arged late fee for funds being below {$100.00} in  one  billing cycle. The bank charged those fees when account still had above {$100.00} . Seven instances where bank refunded fee. Only when called did the bank   refund the money and agreed there should n't have been a charge.

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 2017-04-25 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: NC

Complaint narrative:
i wrote Transunion about an error on my credit report causing an alarming increase in a rate quote for a mortgage I need.   Transunion wrote me and said they could not verify my identification, so I called them and cleared that up. They said they would look into my issue and let me know what they find.   My loan officer pulled my report yesterday and it is still there, Transunion has done nothing.   Note ; the other credit bureau wrote me and agreed with me, they deleted it.

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 2017-04-25 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My  Wife added me to her   XXXX   XXXX   card Issued by   XXXX   XXXX   last month. The card came in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   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 2017-04-25 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
M y Wife added me to her   XXXX   XXXX   card Issued by   XXXX   XXXX   last month. The card came in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   XXXX   XXXX   )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My  Wife add ed me to her   XXXX   XXXX   card Issued by  XXXX    XXXX   last month. The card came  in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   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 2017-04-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc.
State: TX

Complaint narrative:
I have been contacting Account Control Technologies and have been on and off the phone with them for two hours trying to get my itemized statement over the phone. For one thing, they never sent a written statement that the debt sent to their agency, which is my right. The  XXXX   XXXX  office says they do not have access to it and can only mail it within  7-10 bu siness days. I have asked for how the collection fees are broken down and  XXXX   XXXX  has refused to give it to me. I have been directed to corporate offices in Ohio and California and three times have been transferred back to their office. They refuse to give me information on my account. I have asked for a written document detailing that if I have my debt paid in full before  XXXX / XXXX /  XXXX  , that it will not be reported to my credit. They have outright refused to put anything in writing outside of the itemized statement. They told me that over the phone and do have recordings of that conversation, but I wanted it in writing because I know how shady and deceptive those places are. I have been put on hold for extended periods of time until I finally hung up and called back. My call has been outright ignored  three  times when I began requesting that it be elevated outside of their office.  XXXX   XXXX  has said that they are the only office that will deal with my account and speak to me about it, but they do not have  access to my itemized account information. In the period of two  days, I have been told that they can add fees to my account while it is in their office ( by  XXXX   ) , which he was corrected and told that my college still owns the account and they have no authority to add anything, but the " fees '' and they are the ones who set the date to report to my credit ( by  XXXX  ), but then when my call was elevated to  XXXX  and then  XXXX , they would not tell me what those fees were. They said they can add up to 18.25 %, but did not have the percentage and said that was n't the only fee that would be on there. I just need my financial information and I am trying to protect myself. I have called the university and ACT is contracted through them, so they handle all accrued fees from when it is handled by them. I just need to be informed that I am paying the correct amount!!!! I need this information quickly before  XXXX   XXXX  or it will completely screw up my credit.

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 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CDI Affiliated Services, Inc.
State: ID

Complaint narrative:
Calls began on  XXXX   XXXX  for a debt owed to another individual. I have received cal and messages on  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX .     I sent an email on  XXXX   XXXX  to stop calling my number as I was not the person they were attempting to reach. Then called on  XXXX   XXXX  and they proceeded to tell me they have no record of calling my number and proceeded to check if I had any debts owed instead of resolving the matter. Then I emailed again on  XXXX   XXXX  to stop the collection calls

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: NY

Complaint narrative:
This is in regards to Loan #  XXXX  with  Plaza Home Mortgage Inc .   On  XXXX   XXXX   XXXX ,  XXXX , the home owner completed and submitted a loan modification packet with the assistance of a housing  counselor to Plaza Home  Mortgage. On  XXXX   XXXX , the home owner informed the housing  counselor that Plaza  Mortgage was requesting updated information, and the home owner and housing cousnelor submitted the requested information/documents On  XXXX   XXXX ,  XXXX . On  XXXX   XXXX , writer spoke with a representative from  Plaza Home Mortgae , and the represntative stated the homeowner will need to resubmit the entire packet with updated documents  (  bank statements, pay stubs, etc ) as well as have updated signed documents. On  XXXX   XXXX ,  XXXX , the documents requested by  Plaza Home Mortgage were emailed to the loss mitigation Dept. of Plaza Home  Mortgage. On  XXXX   XXXX ,  XXXX , housing counselor spoke with a representative from  Plaza  Mortgage. The representative provided the housing  counselor with a list of items needed for the loan modification. Housing counselor noted that some items identified by the representative have already been submitted to Plaza Home  Mortgage. The representative stated that the forms needed to be signed and re-dated. On  XXXX   XXXX ,  XXXX  the documents requested were emailed to P { laza  Home Mo rtgage. On  XXXX   XXXX ,  XXXX ,  Plaza  Mortgage was requesting yet again more documents/information from the home owner. This was submitted via email by the housing counmselor on  XXXX   XXXX ,  XXXX . Finally, On  XXXX   XXXX ,  XXXX , housing  counselor spoke with a representative from Plaza Home  Mortgage and the representative stated the application is missing documents. Writer asked the representative to identify the documents needed. Housing counselor noted that the documets had been submitted via email over the months of  XXXX   XXXX  and  XXXX   XXXX , and the documents were submitted by the housing counselor on the home owner 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   charge off last bill was paid in fill then i notice this on my report  XXXX  never had this account its not me, i just opened a account with   XXXX   XXXX   XXXX      XXXX   XXXX      XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX     XXXX     XXXX   XXXX  these accounts has been paid and closed but it shows a few times on my report and this does not help with my score   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    XXXX   XXXX  paid and closed   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX  paid and closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: DC

Complaint narrative:
I contacted  Trans Union about  a collection accoun t that was placed on my account in violation of FCRA Section 623. I contested the amount ( s ) owed to the origin al debtor (  XXXX   ). A s a result,  XXXX  admitted on more than  one o ccasion that the amount sought was the direct result of  XXXX  's ongoing practice of allowing ANYONE to make changes to accounts and actions such as allowin g ANYONE enter into lease agreements on cell phone accounts without proof of authorization or account-ho lder signature. The charge is the result of a " lease cancellation fee '' for a lease I NEVER ENTERED INTO nor signed in agreement. I requested proof of the lease agreement to support the charges and  XXXX  acknowledged it had no executed lease ( and even attempted to get me to sig n one a fter-the-fact ).  XXXX  agreement to cease collections of the amount but the collections agent (  XXXX  d/b/a  XXXX   XXXX   ) placed an entry on my account despite knowledge of the ongoing dispute and failure to provide proof to substa ntiate the debt. The negative information should NOT have been allowed on my credit report.

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 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Screening Reports Inc.
State: OH

Complaint narrative:
I pulled my credit and I seen I had credit inquiries from company 's that I never heard of or never gave permission to pull my credit.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I,  XXXX   XXXX   XXXX , have a business that uses PayPal to accept payments for  XXXX  auctions and to process payments on my computer service website. I have had my account limited due to an  XXXX   XXXX  department that is reviewing accounts  for PayPal. I have provided PayPal with numerous documents that they requested, and have gone above and beyond what is legally required for a sole proprietorship in my industry. I have given them Proof of  business registration, Supplier contact information, Invoices for purchases, A statement of my business model, and many other supporting documents. I was instructed by a CPA and a lawyer to create a business checking account, and when I tried to add that account, it was not allowed by their system. Adding a bank account would in fact solve this problem of compliance, and would reinstate my account since currently I have no access to my funds. I c alled the PayPal support number to get this fixed, and they said the limitation was preventing adding a bank account.This is n ot true. According to their own " resolution center '' I am allowed to add a bank account, but their system refuses to allow it. I have screenshots of the page before they " fixd '' it so that does n't show up now. I have done everything they asked, and now I do n't have access to my money, and  XXXX  only use s two payment processors, so I ca n't even do business because of this negligence. I would  like to have the compliance department to review this account and figure out why this has n't been handled already.

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 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have attempted multiple times to get an invalid collection removed from Equifax and   XXXX   (   XXXX   conducted their investigation properly and it was removed ). I have also filed complaints on the biller directly. The collection is from  XXXX   XXXX . This company has not been compliant with properly handling the billing dispute. I have filed several complaints, and they refuse to do the right thing. So I disputed the matter directly with the credit bureaus.      XXXX  is attempting to collect a debt for a service that was improperly bil led ( 2 bills total ). The bill was supposed to also go to my secondary insurance, however, it only went to my primary. I notified the original creditor about the error last  XXXX , instead of them billing both insurances, it was sent to collections ...  XXXX  removed one of the bills, but not the other. Both bills should be removed. Equifax has not removed them at all, and keep stating they are valid- which they are not.

Company response to consumer: Closed with explanation