vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 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: NV

Complaint narrative:
I noticed in XX/XX/XXXX, that the amount of my payment on my credit card had doubled but could not read the ebill and thought maybe I just missed the last payment ( missing payments is not something I do but my mom had major XXXX and I was her caretaker ), so I paid the higher amount, in XX/XX/XXXX the payment was even higher so I went to my home and found the statement and noticed that my card had gone from approximately {$1400.00} to almost {$5000.00}. The charges on the statement were from Minneapolis, California and Wisconsin and most of the charges were for XXXX in California. The statement had 13 pages of charges from XXXX, XXXX, and XXXX etc. In all of the above states I have not been too. I immediately call Bank of America to report the fraud. She told me it looks like they tested it in XXXX with one charge, XXXX with a couple of charges and then went crazy in XXXX, XXXX and XX/XX/XXXX. ( My credit card was in the safe at my home ). They credit my card back the {$3300.00} and opened an investigation. I received the first letter from Bank of America on XX/XX/XXXX, letting me know they had credited my card back, sent a new card and the investigation was opened. I received the second letter on XX/XX/XXXX, saying the investigation was complete and the charges are mine and I would need to pay them. I again called Bank of America and explained the situation to another employee and he reopened the case saying he was confused because I live in XXXX, Nevada and the charges are from other states. At that time I told him I would need to see something where I or my husband had signed for any of these charges and an explanation of what the investigation showed. I received a third letter on XX/XX/XXXX, saying the investigation is complete, the charges are mine and I could go to the three consumer reporting agencies and dispute them their but I would still have to pay the {$3300.00}. I have still not received anything with mine or my husbands signatures on them or the reason the investigation showed I had made these charges and why. Our credit rating right now is in the high 700 and I want to keep it that way but these are not my charges. I am at a loss what to do next.

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 2019-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I have had this vehicle since XX/XX/XXXX. It is financed through Credit Acceptance Company. Last XX/XX/XXXX, they Repossed my XXXX XXXX. However I had to pay $ XXXX repo fee+XXXX  to get my car back. Payment was not late. they got my car two more times after I have filed Bankruptcy. 
I paid my money to the trustee XX/XX/XXXX as well as XX/XX/XXXX and Thursday XX/XX/XXXX they came and got my car again. all this is doing is lowering my credit score. My score was in the 600s when I purchased this vehicle now my score is XXXX. 
The is not a good finance company

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 2019-03-18 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX for a medical problem on XXXX XXXX. I provided my medical insurance card. Per my insurance company XXXX XXXX XXXX, they received a bill from the hospital and XXXX but they did not receive a bill from the attending physician. They sent this to collection CMRE. It's showing on my credit report. If the doctor would have timely submitted the bill the insurance company would have paid it. Doctor/provided failed to submit a bill to insurance company. I never received a bill from either the doctor or collection agency. I am requesting for this derogatory credit report to be deleted from my credit report. I have disputed with credit bureaus and company and I never received any validation and documentation of this bill. The insurance company told me that the doctor/provider needed to have timely billed them but they never billed. Four years later this came up on my credit report which is past the billing allowable time. I have tried to resolve this problem with the three reporting agencies and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony bank has been harassing me with phone calls and letters since XX/XX/2018 about credit card debts that are not mine. I have explained to them that I am a victim of identity theft and never had any accounts with their company. I have sent in the documents that they asked me to fill out as well as my police report filed with the Wyoming police department. I have also been disputing fraudulent information with this company and other companies about fraud accounts. I asked the company not to call my home but they continue to do so as well as sending threatening mail.

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 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My problem is with Select Portfolio Servicing , inc . 

I received a letter dated XX/XX/XXXX stating that they would not let me assume the mortgage of my late mother and they have rejected the modification request. I did not request a modification. I requested on XX/XX/XXXXa Repayment Plan. The XXXX XXXX XXXX XXXX XXXX also faxed them my request for a Repayment Plan. I had previously submitted all paperwork showing that my husband and I earn more than enough to pay a Repayment Plan. They never addressed the request for the Repayment Plan. I was told on the phone today -- at XXXX -- by one of their representatives ( and they have a recording of the telephone conversation ) whereby she stated that if the Investor -- which I understand is XXXX Bank -- does not want to negotiate with you -- no matter what you request -- they would not okay it. 

They have not stated this to me in writing. They just asked me to send the same paperwork over and over again. The letter stated that SPS is committed to home retention and there are other options available. 

They are giving me the run-around, and I have never heard of a bank that rejected a repayment plan. My late mother left her home to me. My name is on the deed of the home and her name is on the mortgage of the home. She passed away in XXXX of XXXX. I have been trying to resolve this ever since to no avail. 

SPS ( Select Portfolio Servicing ) are using deceitful means to try to take the home from me. 

Please help me. 

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 2019-03-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I have tried to pay off my mortgage 3 times since XXXX. I have requested and received 3 payoff authorization forms and wired the amount to the mortgage companies bank only to have additional charges show up on my account. After the latest one last week my account still shows a balance of {$38.00} dollars. I have called numerous times beginning XX/XX/12 and have been told they were going to correct it but nothing has changed. I have spoken to their escalation department and filed a report with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Through this portal I have filed complaints against Equifax, XXXX, & XXXX. The specifics of the complaint has been provided to several times. They have and are currently displaying blatant disregard for the " Fair Credit Reporting Act '' known as the FCRA. I mailed disputes ( XX/XX/2018 ) which all three agencies failed to respond to in timely fashion. Not only have they failed to respond but they continue to display malicious intent by contacting for instance a creditor and claim fraud on my behalf when I merely requested they investigate a late. 
Specifically the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This behavior flys in face of the intent of the FCRA and should be met with the most severe scrutiny. These agencies use a great deal of misdirection to cause confusion and hopelessness. Please investigate my claims ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I noticed on my credit report from Transunion that they had reported that I had a delinquent account that had gone to collections from XXXX XXXX in XXXX  XXXX WI. I had paid that account off XX/XX/XXXX. This made my credit score go down. I called XXXX XXXX and they emailed me the paperwork that stated it had never been to collections and I had paid it off. I filed a dispute with Transunion and sent that paperwork to them so they could clear up my credit report. They removed the delinquent acct. and that it had gone to collections. My score went back up. In XX/XX/XXXX I noticed it was back on my credit report as my score had gone down again. I filed another dispute with Transunion in XXXX XXXX and on that investigation they are saying it is correct information that is being reported to my credit report. I am getting upset that Tranunion can play with my credit report like this.

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 2019-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
They start to call about every six months or so, and when I ask for details about their location, they refuse to give it to me. I have not received documentation regarding the debt and they continue to tell me that they are sending it and that I'm not responding. When I ask for their address so that I can send them a cease and desist letter, they refuse and tell me that they are not collections. They tell me they are with " In House Processing '', but say that they are not the original debt holder. They have my SSN, DOB and address, and it makes me very uncomfortable that they have this, but yet I do not know who they are or where they are located. 

This morning was the most recent contact ( XX/XX/XXXX @ XXXX MT ). When I called them back, they verified who I was, and indicated that they could settle a debt with them from ACE Cash Express. When I asked them for documentation of the debt, they asked to verify my address, the address that they have for me is incorrect. When I asked for their name and business address, they stated that I was harassing them and hung-up on me. I called back to try and get more information and they stated the debt was from XXXX, that it was for {$1800.00}, and that they could settle for 33 %. They indicated that I was going to be served with court documents for a civil proceeding in XXXX County Court. When I asked them for their attorney 's name they were suing me with, they refused and hung-up again. The third time I called them back, they immediately stated that I was harassing them and that they would count me " served ''. 

The fact that people in an unknown state, business, etc. have my personal information ( SSN / DOB / Employer ), but they will not tell me who they are, where they are is very concerning. The fact that they have repeatedly stopped calling me for months at a time and then pick back up later leads me to believe that they are hoping one day I will have a lapse in judgment out of fear and give them a credit card for payment on a debt that I'm not aware of!

Also, my husband and I filed for bankruptcy in Colorado approximately 5yrs ago and included any an all debt. If I did owe this company money and was aware of an outstanding debt, then I would have included them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a dispute with Equifax using regular mail as they have a debt assigned to me wrongly on my credit report. It has been 30 days and I heard nothing from them. I tried contacting them, but they were not able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited a check via mobile on XX/XX/2019 in the amount of {$1.00}, XXXX. The check was from a XXXX personal checking account. Despite the fact the check cleared through XXXX on the XXXX, Bank of America put a hold on the check until XX/XX/XXXX. I received the check from a friend, I have a recorded conversation with my friend and XXXX XXXX, wherein XXXX assured that the money was sent to Bank of America on the XXXX. 

Furthermore, I have a copy of the cleared check from my friend. Bank of America does have my money and despite talking to numerous " so-called '' managers, wherein I recorded each conversation, to name a few : " XXXX XXXX '' Financial Center Manager, XXXX, IN who stated he would get my money release. I met with " XXXX XXXX '' in person also and he saw the proof from XXXX that I provided that the check did clear from XXXX. " XXXX XXXX '', Supervisor, also stated she would get my money released I have a recorded conversation, however all to no avail! 

Bank of America has received the money from XXXX XXXX, I have proof and they are holding my money for no reason! This should be unlawful!

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 2019-03-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Started receiving preforeclosure statements at house. Looked at XXXX county clerk or courts showed in my fathers name process started. Went to bank found out my payments were credited a wrong account. This has not stop proceeding. Recovery department is working slowly. Sent me a partial refund, but states can not credit account, 6 payments were made to wrong account from same branch. XXXX XXXX XXXX XXXX XXXX XXXX < fl XXXX XXXX XXXX has 2 accounts with bank. Bank made payments to wrong account. My house is collateral for loan, I live in house. I have a 20 limit to respond, which I will have to pay attorney to straighten out. Also the fees bank has added to loan.

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 2019-03-18 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: MI

Complaint narrative:
I have been disputing some fraudulent accounts and information with equifax for two years now. I have sent in two police reports filed with the Wyoming police department and yet they still have not removed the information off of my credit report. I have been told multiple times by the company that I can dispute the fraudulent information 100 times over but they are still not going to remove the information. I am a victim of fraud but I am being treated like a criminal and I am very fed up with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have been disputing this account since I first received notice from the credit bureaus that it was being reported on my credit report. On XX/XX/XXXX and XX/XX/XXXX I sent letters to Convergent Outsourcing asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation. No matter what I request ( validation of the debt, proof of amount, or proof they are authorized to collect debt ) they simply respond with a form letter with a pen mark checking off this debt is valid and attaching a copy of a single bill. They are refusing to offer any supporting documents. Convergent Outsourcing is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me a copy of a bill. This is not acceptable. A copy of a bill or a statement of monies due does not constitute verification or validation of debt. FCRA states there must be a tangible contract provided to me upon my request that bears my signature, showing that I am responsible for the account. Without that, there is no contract, no valid claim. If validation can not be established, I respectfully request Convergent Outsourcing remove all active, inaccurate, derogatory reporting from the credit bureaus and cease any efforts to re-report the debt through illegal practices in the future.

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 2019-03-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I have a debt collection on my credit reports from Ability Recovery Services, in the amount of {$710.00}. 

This debt was transferred back to XXXX College on XX/XX/2018, where it was paid in full in two separate transactions of {$350.00} on the same date. 

Per XXXX College on XX/XX/2018 by a XXXX XXXX my debt is to no longer be with an agency, my debt was paid in full. 

I have disputed the debt to the Credit Buraus but Ability Recovery Services claims the debt is still active though I have receipts and ticket transcripts with XXXX College proving that it is not and refuses to remove the debt from my credit reports.

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
My complaint is with the CFPB and their absolute failure to investigate my complaint against Experian and Experian 's failure to properly address my original complaint. Apparently all you need to do to address a complaint is to send the CFPB a bunch of XXXX  and they automatically consider the complaint addressed whether the consumer agrees or not. What kind of XXXX  government entity is the CFPB? They have not protected me one bit!

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