vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unemployment has a contract with Bank of America, XXXX XXXX XXXX. XXXX was a bad year for our family. We were unemployed, and had the flu, like most of the United States, we were barely making minimum payments to Bank of America, in XXXX XXXX, XXXX XX/XX/XXXX we were deathly ill. I called BOA concerning for lack of payments from us and why, they were confusing the unemployed account, with the XXXX XXXX XXXX account. In XXXX we informed them our rent went up and we were not able to make a payment, which they conviently increased from XXXX per month to XXXX per month. then XXXX I made contact, pleading for help, explained again our situation, they told us they would FREEZE our account until we could reach a positive, by agreeing to automatic payments, I gave them our bank account information as to have our account to take monthly payments to BOA, I asked if when I could make a bigger payment to help clear our account so we may use it again they said yes, upon making this call, I was informed they had closed the account in XXXX, But it was in XX/XX/XXXX we had made this agreement with BOA when we sacrificed to pay XXXX to bring the account current, then make monthly payments of XXXX.until it we met their agreement. The customer service rep for collections did not know about the Freeze program We agreed to, making the payment along with the monthly payment agreement to keep our account open. But the customer service rep explained they do have this program for those like us needing help, as per the agreement, they failed to honor their end of it. Although we are in the green with them We reapplied for their card again, only for them to deny our application.

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 2018-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XX/XX/XXXX, I initiated an online money transfer to XXXX of the amount {$130.00} via Moneygram. Initially, it showed a fee of {$5.00} and then I applied a coupon and fee was reduced to {$2.00}. At the end of the processing, I received a receipt from Moneygram ( also available at their website ) which clearly stated total amount as {$130.00} including fee ( {$130.00} transfer amount + {$2.00} fee ). For your information, I selected funds to be taken from bank which has {$0.00} processing fee. 
Next day XX/XX/, Moneygram charged my bank account ( XXXX XXXX XXXX ) an amount of {$130.00}. I noticed a discrepancy of {$3.00} ( although amount is small but it's a matter of principal ) and contacted Moneygram about this issue. Moneygram wasted an hour of mine and told me I owed only {$130.00} but they don't know how I got charged more. They told me to ask bank and bank told me that it's Moneygram 's issue because they are charging me more. Long story short, I am out of {$3.00} and Moneygram keeps pointing fingers at others. 

I have a receipt from Moneygram and a bank statement both at hand and I can show you anytime. Thank you so much for your time and I look forward to hearing back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Comerica
State: NC

Complaint narrative:
I receive a XXXX payment from Social Security Administration on a US Direct Deposit Comerica Bank card I transferred to direct  deposit to my in my wife 's bank account and upon doing so and then learning that that occurred they cancelled previous payments that were received by my credit card company 15 days prior after credit card company receiving the funds they refuse to explain identify or have any explanation of where this money is orgone other than making the statement that the funds were available but would be declined on the 3rd which clearly must have been backdated my records and receipts indicate the funds were available to an addition {$6.00} more than the bills I payed after her employee representative admitted that the amount was correct and there was an additional {$6.00} available after both bills was paid and then I was transferred immediately to a supervisor which could not explain where the {$210.00} is or I had gone to that I would not get it though that was made clear I started more time and ask for paperwork to be sent to me so we can further more try remedy the situation amd I was hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: OH

Complaint narrative:
I contacted the three reporting agencies about a collection account that is incorrectly reported as mine. Both XXXX and XXXX corrected and deleted the account after their investigation. However, EQUIFAX refuses to delete this account from my credit report. The party responsible for the account even wrote a letter to EQUIFAX explaining that the account is theirs and NOT mine. They still refuse to delete it. I am a student trying to establish credit and use it responsibly, I monitor it and I recently received a student credit card to help me increase my credit rating. Unfortunately, this account that is incorrectly reported is hurting my chances to manage my credit responsibly. I appreciate any help you can provide to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I went to XXXXXXXX XXXX XXXXXXXX showroom on XX/XX/XXXX to purchase a car! I had a pre-approved load from XXXX. The Finance manager in the showroom told me that he can offer me the same interest rate from XXXX and insisted me to take the loan from them as the documentation process will be done right away! He asked me to provide my details and gave the details to him and told him that I approve only 1 hard enquiry on my credit report and will not accept multiple hard enquiries as I already have a pre-approved loan.

I have been deceived and I see 6 hard enquiries on my report which I have not approved. 

TransUnion - Unauthorized hard enquiries XXXX XXXX, XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX  XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX - Unauthorized hard enquiries XXXX XXXX - XX/XX/XXXX Please do the needful!

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 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a credit card with Capital one. I recently paid off the account in full based on the balance quoted by their system online. I even paid {$10.00} ( XX/XX/XXXX ) over what was quoted because historically Capital One always charges misterious interest after I have paid off the account. I contacted them this time and asked how would I know about some interest charge if there system ( which quotes the payoff ) does not show it. They said because of the billing cycle it would not show the correct payoff. If I am customer it would seem there is no way to full know what is due and it seems like a scam that these charges show after they accounts are paid based upon what was due their system. This seems to be common among credit card companies, they know how to charges interest but there system can not truly show what the payoff is exactly. I think this should be looked into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have sent Bull City Financial Solutions a certified debt VALIDATION letter on XX/XX/2018 to verify a debt they claim I owe them and asked for evidence that bears my signature. They have failed to provide all I've asked for/ physical proof that the account is mine. I have also sent the company another certified letter informing that they violated my request and to have the account removed, still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: Prosper Marketplace, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, After i had fallen behind on my load payments due to a hardship suffered in my family. I tried make arrangements with Prosper Marketplace concerning my account but they were unable to help me.on XX/XX/XXXX, I sent Prosper Marketplace a letter that the information that they listed on my account was disputed. Nothing was received back from them. 
I enlisted XXXX XXXX XXXX to help me settle my account. They were able to negotiate a settlement for my account and after 12 successful payments to Prosper Marketplace thru XXXX XXXX XXXX the account was settled/resolved and paid off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On Friday XX/XX/XXXX, I tried to create an account on the Social Security website. The website asked me a series of identity verification questions that I later learned are generated by Equifax. These questions referred to " may '' have accounts of various sorts ( mortgages, auto loans, retail cards ) which I do not have and in some cases have never had, and I know this with certainty. In addition, the street address question didn't list a street name that even remotely  resembles a place I have ever lived. 

To troubleshoot this I tried to obtain my free Equifax report - assuming it would list a series of wrong loans that were generating the questions. Or perhaps, it would show that I was a victim of identity theft. The XXXX site, however, asked me _the same exact questions_ which of course, I was unable to answer. I then spoke to person at Equifax who was able to verify my identity - but could only mail the credit report to my home. I then ( because I was in a hurry ) paid to get my credit report ( they had no trouble verifying my identity when I was paying ). Interestingly, the credit report did not show any of the loans that were referenced in the erroneous questions. 

In the meantime I submitted a complaint about the erroneous questions, because I still want to create an online Social Security account. I left a voice mail at their department that is responsible for generating these questions, which is apparently in XXXX. As of XXXX, XX/XX/XXXX, I have not heard back. In the meantime I tried the Social Security site again, but it once again asked wrong questions about non-existent loans or inaccurate street names. 

It's clear the Equifax 's question generating software is wrong. This is depriving me of the opportunity to get an online Social Security account, and thereby requiring me to go to the office in person, which is a significant time expenditure for me. It's surprising to me that Equifax is allowed to have this contract for identify verification when its software is so clearly flawed - especially in the aftermath of the cyber breach. I did not have any similar problems with the other providers ' sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Robocall on Monday, XX/XX/XXXX at 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 2018-06-04 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: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
MGR.XXXX XXXX YELLED, CUSSED, AND THREATENED ME! HE SAID I WAS A FRAUD AND IS GOING TO PUT A XXXX COLLECTION ON MY CREDIT AN ACCOUNT WHICH ISN'T MINE! I RECEIVED A PHONE CALL XX/XX/2018 AT XXXX XXXX FROM A LADY AND SHE STATED SHE WAS CALL TO COLLECT A DEBT. SHE VERIFIED MY DADS ADDRESS AND THE LAST 4 OF MY SOCIAL. I INFORMED HER THAT ISN'T MY ACCOUNT I DID NOT AUTHORIZE THAT ACCOUNT AND YOU CAN NOT PUT THAT IN COLLECTIONS ON MY NAME BECAUSE I'M BUYING A HOUSE AND THAT WOULD MESS UP MY APPROVAL! SHE HUNG UP ON ME! I HAVE TO PROTECT MY CREDIT SO I CALLED BACK TO TALK TO A MANAGER. I WAS TRANSFERRED TO MGR.XXXX XXXX HE CAME OFF VERY MEAN ASKING QUESTIONS AND THEN STARTED ACCUSING ME OF KNOWING THIS IS YOUR ACCOUNT AND YOU AND YOUR DAD ARE FRAUDS! HE THEN STARTED YELLED, CUSSED, AND THREATENED ME! HE SAID I WAS A FRAUD AND IS GOING TO MAKE SURE TO PUT THIS ACCOUNT WHICH ISN'T MINE IN COLLECTIONS ON MY CREDIT! I TOLD HIM I NEED TO SPEAK TO HIS BOSS HE SAID NO I AM THE BOSS AND IF YOU CALL BACK IT WILL ONLY GO TO HIM! I ASKED LIKE 7 TIMES TO TALK TO HIS BOSS HE CONTINUED TO YELL AND SAID YOU ARE TALKING TO THE MANAGER AND I NEED TO STOP SCAMMING THEM AND PAY MY BILLS. I TRIED TO TALK TO HIM BUT HE KEPT YELLING SO I SAID I WOULD REPORT HIM HE SAID NO YOUR NOT YOU GO AHEAD AND REPORT ME YOU JUST NEED TO PAY YOUR BILLS I TOLD HIM I'M NOT GETTING ANYWHERE WITH HIM SO THAT'S WHAT I'M DOING FILING A REPORT WITH YOU THE AG 'S OFFICE ETC ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called numerous times with efforts of removing hard inquiries made by someone else than myself. Auto and personal loans appear and I haven't done either of the two. 

I've been told " NO '' and told they remain for 2 years BUT I can prove and have confirmations that it IS possible to remove as they're FRAUD. I do not need nor want these on my credit report as I did NOT authorize and it is indeed against the law for them to be on there as hard inquiries, they're affecting my credit and I wish to have them removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: NY

Complaint narrative:
I pulled a credit report and the following information is wrong : Real Estate Credit accounts ; Both XXXX and Transunion have an inflated amount, they have the payments due as {$7700.00} per month, but should be {$4900.00} as reflected by XXXX. 

Both XXXX  and Transunion have Installment credits accounts as {$2400.00}, this is incorrect. The amount should be {$1000.00}, as reflected by XXXX. 

XXXX has my name as XXXX XXXX XXXX, it should be XXXX XXXX. 

XXXX  has a late payment for XXXX, dated several years ago, the car was turned in for another vehicle, I was never late on the payment.

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 2018-06-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I pulled a credit report and the following information is wrong : Real Estate Credit accounts ; Both XXXX and XXXX have an inflated amount, they have the payments due as {$7700.00} per month, but should be {$4900.00} as reflected by Experian. 

Both XXXX and XXXX have Installment credits accounts as {$2400.00}, this is incorrect. The amount should be {$1000.00}, as reflected by Experian. 

XXXX  has my name as XXXX XXXX XXXX, it should be XXXX XXXX. 

Experian has a late payment for XXXX, dated several years ago, the car was turned in for another vehicle, I was never late on the payment.

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 2018-06-04 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: Reliant Financial Corporation
State: OR

Complaint narrative:
about XX/XX/XXXX we bought a car from XXXX 's XXXX in XXXX XXXX WA. The manager XXXX, The car was not properly safety checked and we spent {$2800.00} in repairs for suspension work. They told us the tires were bad and we found out there was serious safety issues with the suspension. We were also told that the lights on the speedometer were out and the bulbs needed to be changed. When we removed the speedometer and we found there was fire damage and the dealer told us to replace it and they would pay for it. We kept the bad speedometer in the back of the car for proof. the dealer said they would notify the warranty company of the change so the warranty we paid for would be kept in good standing. We found out later that the dealer did not do this. When submitted the {$2800.00} to the warranty company they denied the claim saying it was fraudulent due to the speedometer change. The transmission started to give us trouble and the dealer would not help with it. they were responsible for the warranty being cancelled and told us to take it up with the finance company. the finance company, ReliantXXXX XXXX companies denied to help us. we then told them to come and get the car as we were no longer going to pay for this lemon. they picked it up in XX/XX/XXXX as the dealer refused to accept the return. Were contacted by letter from XXXX XXXX that they had sold the car for {$6500.00} and we owed them {$1900.00}. We explained to them we had spent {$2800.00} on the car and we would call it a wash if they would accept it. The Lady we spoke with, XXXX, said that would be fine and she would send us a letter to that fact. We never received that letter. In XXXX XXXX XXXX reported on our credit report we owed them {$9500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am trying to get a loan modification. I need assistance. I have given tried to establish my trial period worthiness. I feel the lender is being unusually harsh to me. I ask that you audit my file and research my foreclosure. I hope that they would just give me a streamline modification trial period. I will make my payments and keep my home. I believe that the fair debt collection act and other laws that protect homeowners were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Mr. Cooper is refusing to share terms of a modification agreement with me. I want to know how much equity I have and how much equity I'll get to keep. I'm being told that that information will be made available to me after they accept payments during my trial period, which doesn't end until XX/XX/XXXX. My understanding is that I get all information before I have to accept anything. That's true of ANY financial transaction. BOTH parties get to agree to the terms, and Mr. Cooper is withholding the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
XX/XX/XXXX I was notified by XXXX that a collection account was reported to my file. I immediately contacted the debt collection agency and was advised it was for a debt in XX/XX/XXXX with XXXX XXXX XXXX. I contact XXXX and there provided no reason as to why I owed considering I paid for services when services was rendered. I've received no call nor letters despite them having the correct telephone number. I did not agree to any charges other than the ones I paid on the day XXXX received services. The balance I paid at time of service was due as a result of what insurance did not cover. They can not provide anything signed by myself agreeing to extra charges nor the fees they are now all of a sudden saying I owe. Fees are preset and charges not covered by XXXX XXXX were provided at time of service at what point payment was due. I did not authorize any other charges nor agree to pay anything other than what I've already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Kohl 's is reporting a balance of {$280.00} on an account that I settled with them in XX/XX/2012. I agreed to pay {$170.00} as settlement in full for this account in XX/XX/2012 and Kohl 's accepted this amount. However, I now find that they are still reporting a balance. It is my belief that Kohl 's failed to write off the amount of the debt that was forgiven in settlement. I have requested, under the Fair Credit Billing Act and other federal laws, detailed financial information directly from Kohl 's documenting that balance and payments made, but Kohl 's has stated that they can not provide that information. The reporting of this balance and delinquencies from XX/XX/2012 to now, are causing me difficulty in obtaining necessary financing.

Company response to consumer: Closed with explanation