vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On or about XX/XX/2018 we contacted our Bank of America to let them know we settled with a lender by the name of XXXX XXXX for a combined total of {$4600.00} for my wife XXXX XXXX XXXX and myself XXXX XXXX. We were informed by a Bank of America Claims representative that the temporary credits issued by them would not be reversed until our response was considered. On or about the XXXX of XX/XX/2018 Bank of America proceeded to reverse the credits and place our account into a negative balance in excess of {$700.00}. We contacted the Claims department and visited our local branch on several occasions requesting an explanation and our funds reimbursed as this matter was already addressed during our settlement negotiations. We were informed over the next several weeks that our claim was escalated, that no one ever reopened it to theyve determined the claim in the favor of XXXX XXXX without providing any documentation proving that our arrangement was invalid as promised by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-30 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: DISCOVER BANK
State: TN

Complaint narrative:
I recently submitted a report, and this is an extension to that report. My complaint was that Discover Student Loans had made three changes within ten days to my credit report despite no changes occuring. I believe this to be in retaliation to my dispute and request for validation of information. I believe Discover Student Loans is acting in a malicious manner because I have asked for information within my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP
State: NC

Complaint narrative:
I have requested from the company ( Home Direct Mortgage ) two times already for the original " Note '' that I signed stating that it was paid off sent to me. It has been over a month and a half and I still do not have the original. This document is with the same company I originally signed the mortgage with and that stated to me that they do not send out the original back to the mortgagee. This is quite strange to me since I used to work for one of the largest mortgage companies in the country and if a customer requested the original back when they paid it in full we always sent it back. I just received the original from XXXX on my current house so I don't understand this company Home Direct Mortgage not sending me the original since it has been paid in full back in XXXX. I took out the loan only 4 years ago where is the original paperwork?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i am a XXXX XXXX year old consumer Enclosed A COPY OF MY TRANSUNION AND XXXX credit report which is enclosed showed that the follwing debts are paid and closed yet they still are trying to collect money from me 10 years in the making. I HAVE ENCLOSED A COPY OF THE XXXX REPORT ON TRANSUNION CREDIT REPORT ARE XXXX XXXX XXXXXXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX   ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX  XXXX XXXX XXXXXXXXT ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSE XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX ( CLOSED ) i never lived at the following addressesi have yold this to XXXX in the past and these are still appearing on my report please asked them to removed. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL   XXXX Former XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX They inquiries are preventing me from geting the needed medical care this is wrong please have them removed. 

Date Company Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL 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 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I ordered a product on home shopping network from TV advertisement. I called them. They had the wrong address because I had moved. I gave them correct address and I recieved the product. However, this company uses a vendor for billing purposes. So the woman taking my phone order neglected to update my billing address with the billing company and so I never recieved a bill and consequently recieved a 90 day late pymt on my credit report. That wasn't fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one credit card is making fraudulent charges on my card. I was enrolled in auto pay for years, suddenly on the month there was fraudulent charges, the auto pay was not taken by the bank. Then they stack fees and interest. I received no phone call, e-mail or mail, until there was several charges, then when I did call, was told they would take off the erroneous charges, along with making sure it did not show up on credit report. I have written 4 letters to get the 30 day off my credit and they have not. When you look at the statements there are many erroneous charges that cont., they have charges on the statement for XXXX of XXXX-showing charges for XX/XX/2017. There are missing pieces to the statements, unexplained items, and missing data. I have statements, and excell spread sheet to prove the fraudulent activity being done by Capitol One, it is obvious they are doing this on purpose. There needs to be a class action lawsuit and Capital one needs to be held accountable. I just want the one and only one 30 day late on my perfect credit score OFF!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of fraud. Using the service XXXX, i sent someone who was supposed to sell me an item {$300.00}, as requested on XX/XX/2018. I told Wells Fargo about the scam and they refused to do anything about it. Even though it was their service.

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 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
i was sent to National Credit Systems collections for XXXX $ for 60 days of rent. even though i only failed to notify my ex-landlord XXXX XXXX 20 days before my leave. another thing those XXXX XXXX never returned me my deposit back and never explained to me why they didnt. i tryed to explain them that i was a victim of XXXX XXXXXXXX and a single mother and as soon as i found something i rushed to move out. especially for 5 months i paid them more. also i tryed to work for failing to notify them only 15 days because i did so 5 days ahead. their agreement also was saying they would keep the deposit OR one month rent. they kept both. people from collections dont return my calls, never showed me anything proving i have to pay for 60 days. because of them im not able to rent apartment and my name is spotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hello, My name is XXXX XXXX, I am an XXXX XXXX XXXX male student, I have realized and tried to get my credit score from various places and still have found no hope in doing so, I have been recently notified by my plan with XXXX that my credit score is XXXX, which is surprisingly low and shocking for a student that has not taken any loans whatsoever and have been in the united states for almost XXXX years now as a citizen I would like to receive and know why my credit score is significantly low. 
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 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: VA

Complaint narrative:
The company XXXX XXXX XXXX is reporting inaccurately to the 3 major credit reporting agencies that I have an outstanding debt to them. I have contacted them in writing by certified mail repeatedly for validation of the debt and to date I've received nothing. Furthermore, I was never notified in writing of this debt and therefore, I never had by the opportunity to dispute it before it was inaccurately reported to the credit reporting agencies. Also, I believe upon receipt of my correspondence, they were legally obligated to notify the credit reporting agencies that the account had been disputed which they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I began to struggle with my mortgage payment in XX/XX/XXXX while cooperating from a XXXX XXXX and a XXXX. I had some out of pocket medical expenses and I informed Mr. Cooper, my lender of my struggle. I heard nothing from them until I received an auction sale date for XX/XX/XXXX. Ive been working with Mr. Cooper all the month of XXXX and nothing happen. Just the usual rudeness and hours of hold time. I called today and was told by Mr. Cooper that they offered me a loan modification in XXXX and my first trial period payment was in XX/XX/XXXX and since they didnt hear from me the month of XXXX they put me in foreclosure with the XX/XX/XXXX sale date. They acknowledge they never called me in XXXX because I was under the modification but I still was being processed the same month for foreclosure. I can not be in foreclosure and loan modification at the same time. I Never received a loan modification trial period and today was the first I heard about it. The state of Georgia says they must give me 45 days and I didnt get that time. When I called today they did not quote me the disclaimer nor did they advise me that I was being recorded but I do have names and departments. When I called back to ask a few more questions my calls were blocked. On the internet the sale date/ auction date was submitted XX/XX/XXXX. I have $ 100K equity in my home and I shouldnt have to lose my home for {$8300.00}. They gave me one option and thats to pay the reinstatement amount and this is the only option I cant do. There are too many complaints that Mr. Cooper, better known as Nationstar, subjects borrowers seeking mortgage modifications to Kafkaesque delays and obstruction in Violation of state laws. I need them to offer me the program they said they offered me that would get my mortgage current and affordable. I was told today the loan modification lowered my monthly mortgage payments. Again I Never received a loan modification trial period and today was the first I heard about it. I need them to give me the time the state allows so I can be considered the modification to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: KS

Complaint narrative:
I contacted XXXX XXXX XXXX, Operations Manager for XXXX , Inc. XX/XX/XXXX to inform him that XXXX , Inc. had placed an entry on my credit reports that had been paid to the original creditor on XX/XX/XXXX, I also faxed XXXX XXXX a copy of the receipt, and a letter from the original creditor XXXX XXXX XXXX XXXX XXXX Patient Access Manager XXXX XXXX XXXX verifying I had paid the debt to XXXX XXXX XXXX XXXX XXXX . I informed XXXX  XXXX that I never received a bill from XXXX XXXX XXXX XXXX XXXX nor, a collection letter, or phone contact from XXXX, Inc. XXXX  XXXX informed me that he would look into the matter, and that he was forwarding my information to his Compliance Officer XXXX XXXX XXXX . I received a phone call from XXXX  XXXX stating that XXXX XXXX XXXX after reviewing the documentation provided intentionally choose not to remove the entries to my credit reports. I am filing this complaint with your office to provide XXXX , Inc. the opportunity to rectify this matter before I take legal action.

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 2018-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA

Complaint narrative:
I tried to get a modification and was denied.I need help. I lost my job in XXXX and couldn't afford my mortgage, because I only receive XXXX monthly

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 2018-08-30 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
The balance Navient is sending to the credit bureaus are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: MO

Complaint narrative:
The balance XXXX is sending to the credit bureaus are incorrect

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 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: TX

Complaint narrative:
Name of company ; XXXX XXXX XXXX original creditor name ; known as XXXX XXXX XXXX XXXX XXXX balance is {$1700.00} Date open XX/XX/2018. 
Steps taken written a handwritten letter to please take off as I don't know about this at all and I have called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: PA

Complaint narrative:
I made a purchase from XXXX XXXX. XXXX and at first i had trouble tracking the shipment because XXXX XXXX   provide me the wrong tracking info. There link sent me to XXXX XXXX web site when i later found out XXXX XXXX   was handling shipment. This delay in not knowing where my shipment was is critical to what became a real mess. My shipment sat at XXXX XXXX XXXX in XXXX for three days and I still did not know it was there. With XXXX XXXX  you must make arrangements with them to get delivery. They said they tried to deliver to my street using a tractor trailer insead of a box truck and where turned away by police..They said they would try redeliver the next day using box truck. Instead they told me if i want the shipment i would have to repay deliver fee. I told them i was not going to do that i did npthing wrong. To make a long story short my credit card is still trying to charge me for a shipment i did not recieve.

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 2018-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all know that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Im request promissory mastery note documentation from the student lenders regarding an amount that I see in my account for XXXX school the first I see is XXXX XXXX  college and the other for XXXX XXXX XXXX. I'm seeking verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I came across this fraudulent hard inquiry when reviewing my credit report. The company is called Chase Card Date : XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: NC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
Sent a letter in XX/XX/2018 with request to close and account in Citizens Bank ( XXXX XXXX XXXX XXXX, MA XXXX ). Sent the same request by FAX since I did not hear anything from the bank. 
Received a letter ( dated XX/XX/2018 ) from the bank at XX/XX/2018, stating that the account was overdrawn by {$4.00}. 
How, is this possible if the account was was closed in XX/XX/2018. 
Next I receive a second letter ( dated XX/XX/2018 ) from the bank at XX/XX/2018, stating that the account was overdrawn by {$17.00}. 
Citizens bank says that I can deposit the amount in any branch or ATM machine. That is impossible because I live in XXXX, XXXX ( XXXX ) and  there are NO Citizens braches or ATM machines here. 
The big problem is that the bank is sending letter which use more than 1 month to arrive and someone keeps withdrawing funds from an account that should be closed. 
Obviously there is something wrong in the Citizens bank system. 
Please help before this get out of hand. 

Best regard XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I had no idea that I was going to be paying such a high amount every month, but this company has been calling my job and my cell phone just being very annoying. Please just make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: MO

Complaint narrative:
There was a previous complaint submitted that reported that AFNI did not provide sufficient validation of a debt reported owed. Upon receipt of this complaint, AFNI ceased reporting of the collection account and finally provided " validation '', however per FDCPA a copy of a billing statement is NOT sufficient validation. There are no documents supporting a contract between myself and AFNI.

Company response to consumer: Closed with explanation