vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-04 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: KS

Complaint narrative:
InXX/XX/XXXXI bought my 1st house with Countrywide Financial Mortgage Co. As well known litigation XX/XX/XXXXallowed me to refinance my house with BofA , HARP program staid no closing cost, but I was charged the closing cost that was added to my outstanding balance. That time one benefit was no appraisal required by BofA. I asked BofA remove my PMI monthly payments, but they rejected my request. I paid PMI sinceXX/XX/XXXX {$98.00} x 12 month x 11 years = {$13000.00}!!! just PMI!!! beside interest ( 4-6 ) % on top of this.XX/XX/XXXX, last year, I asked BofA calculate for me how much I have to pay down to avoid PMI, that really unfair charges that sound like penalty to the first time home buyer!!! instead of benefits I got penalty!! Well since that BofA replied my with the general letter. I went twice in local branch : XXXX XXXX XXXX XXXXKS XXXX, tel XXXX. XXXX XXXX /NMLS ID XXXX/ and he was not able to tell me exact amount of pay to avoid PMI. I decided make own calculation. I borrowed $ XXXX from BofA, my resent balance $ XXXX, then ratio is 82 % ( XXXX:XXXX ) O.K. the general letters said my ratio need to be at least 80 %. Well, I paid down other $ 20K. Now my balance is below $ 100K, compare to borrowed amount $ XXXX it is 68 %. If take for consideration XXXX COUNTY APPRAISER 'S my house market value {$170000.00}, and the ratio will be 58 %. But BofA refused to accept XXXX COUNTY APPRAISER and force me to do an appraisal from they list that cost me $ 500- {$600.00}!! why do I need trough my money UNNECESSARY to somebody instead of to make payments against my principal? Why BofA was able refinance me in the first place without appraisal, and refused now?? I see only one answer : GREED!! the vain hope of finding work.

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 2017-07-04 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 — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: WA

Complaint narrative:
A  XXXX  mistakenly ran my credit with out asking for my approval first. I spoke with  XXXX   XXXX  about getting the inquiry removed and she agreed informing credco to remove for all credit reports.   XXXX  I have letters and documents that back this up. This was done  XXXX   XXXX     2017  and it 's still on my credit.   XXXX  I called credco and have a letter saying they will remove it but its still on my credit report. They ca n't seem to help me when I move. This is more of  XXXX    XXXX   fault,

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 2017-07-04 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: TX

Complaint narrative:
My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars from five years ago. I am Inquiring as to why that is?

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 2017-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I HAVE APPLIED FOR AMERICAN EXPRESS SEVERAL TIMES I WAS TOLD THAT BECAUSE OF MY XXXX BK IN XX/XX/XXXX I SHOULD NOT BOTHER APPLYING, BECAUSE AX WAS PART OF MY BK ... ... ... ... ..REGARDLESS OF MY SCORE. I CONSIDER THIS DISCRIMOINATION OF PAST EVENTS. THAT IS WHY ITS PROTECTION UNDER FEDERAL LAW, I CAN NOT BELIEVE THEY TOLD ME I WAS STUNNED IN XX/XX/XXXX THEY SAID THIS ... ... ... ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
On the XXXX-2017 i called COMENITY CAPITAL BANK to find out about my account because of a late fee they had put on the account she proceeded to tell me the reason they applied the late fee is because the payment had arrived late I told her how can the payment arrived late when it was sent to you electronically. Then I asked her or you going to remove that late fee because at the time the balance of the account was only {$2.00} that was due and they had posted a late fee of {$35.00} when she said that they were not going to remove the late fee I said okay well then cancel the account then she asked me to whole on for a little while and she went and talked to someone and then came back and told me if I did not close the account they will remove the late fee so I agreed with that and she told me that the account would have a XXXX balance at that time so I agreed to keep the account open providing that they remove the late fee and put the account at a XXXX balance. But then I checked the account again and find out that they were still adding late fees to the account I cancelled the account. and at the time of canceling the balance was {$56.00}. I closed the account because they did not live up to the agreement in which they stated on the XXXX month XXXX 2017. <P/>Account # XXXX -- -- ( CREDIT CARD ( XXXX ) Also I want the negative items that was placed on my credit report removed immediately if not done so I intend on filing a lawsuit to obtain damages. <P/>Also I want them to stop calling my telephone 5 to 4 times a day here 's the proof that they did so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-04 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: TX

Complaint narrative:
My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars from five years ago. I am Inquiring as to why that is?

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 2017-07-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars fro m five y ears ago. I am Inquiring as to why that is?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Byrider Franchising, LLC
State: KY

Complaint narrative:
I had a car through CNAC ( JD Byrider ) that was since repossessed. For three months in a row, CNAC made hard inquiries to my credit report without my authorization. I did not authorize these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: TN

Complaint narrative:
My personal identification have been stolen. Drivers license, Social security card. All of the names of my former employers have been changed with Equifax.. All of my former addresses have been changed. My first name is spelled XXXX with vital records in Tennessee. I 've spelled it as XXXX, because of the way it 's pronounced. XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX.. I changed my name to my maiden name in Probate court when I learned I was a victim of identity theft in late XXXX-XXXX. XXXX XXXX XXXX XXXX is my former employer. In XXXX the company amended & restated my tax return and sold my first mortgage. The company is a S-corporation, they used {$53000.00} of my retirement money to make this transaction through IRS to get The Golden Parachute Tax Break. My mortgage was sold to XXXX XXXX in XXXX XXXX. My mortgage was current when sold. While at work XXXX XXXX, XXXX XXXX & many others had access to my information. It was on file, I was in a group. The company filed all of my medical claims with XXXX & XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
under the FCRA Experian must have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and second subsequent re investigation, they stated in writing that they verified that these items are being reported correctly? They did not respond when i asked following questions Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Secti on 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).    XXXX  ALL THEY DONE WAS SENT ME BY  MAIL 7 YES 7 COPIES  OF MY 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 2017-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My first home -  XXXX  -  XXXX   XXXX   XXXX ,  XXXX  WAS BUY  XXXX   XXXX ,  XXXX  MY My Credit History Length WAS CORRECTLY REPORTED BY Experian but My Credit History Length MY was change in my  XXXX   XXXX  credit report attached SEE BELOW THE DETAIL OF MY FIRST HOME THAT WAS FUNDED THROUGH MORTGAGE Buyer :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX  Seller :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX   XXXX  Deed Recorded : Book :  XXXX  Page :  XXXX  {$230000.00}

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 2017-07-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
under the FCRA   XXXX   must have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and second subsequent re investigation, they stated in writing that they verified that these items are being reported correctly? They did not respond when i asked following questions Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section  609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).    XXXX  ALL THEY DONE WAS SENT ME BY  MAIL 7 YES 7 COPIES  OF MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: IL

Complaint narrative:
Oac collection specialist, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts of {$160.00}, {$160.00}, {$230.00} & {$340.00} with  XXXX ,  XXXX , &  XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
{$440.00} in various amounts were fraudulently purchased by someone who managed to get a hold of either my card number or my old discarded/destroyed card and somehow was able to use it. I disputed the charge on XXXX XXXX. Barclaycard apparently did an 'investigation ' where they determined I was the one who performed those fraudulent transactions, including a purchase a motel at which I have never stepped foot and several suspicious large purchases at convenience stores.
<P/>
A side note, I received a call from Barclaycard investigators which seemed highly suspect and unprofessional, and I was concerned enough to do research into the phone number to see if it was even legitimate which it apparently was ( the person on the phone calling me did not know specifics about the case ). I proceeded to close the account upon receiving this verdict.

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 2017-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: OH

Complaint narrative:
I use a third party that I let access my bank account information. For my bank I use Key Bank and they have a option that lets you  turn 3rd party ac cess on and off. I have the option turned on, and have never had issue till about a month ago. I talked to my bank and they said there 's nothing they can do. I 've been doing this for a year now with no issues and now all of a sudden I have a problem. It causes a major hassle for my finances every month. All I would like them to do is look into the issue but they wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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:
I disputed a charge for from a tow company for improper towing of my vehicle on XX/XX/XXXX. I paid for the charge, however expected a credit upon resolution of the case. I was initially credited on XX/XX/XXXX, but was re-billed on XX/XX/XXXX. I was asked to submit more information to support my dispute and provided what was required of me to have my claim continued. On XX/XX/XXXX, they informed me I was credited again, however a 2nd charge back was never given. they asked for more documentation, which I also submitted. On XX/XX/XXXX, they denied my claim and stated they " can only request credits when they can document that the merchant violated an operating rule or regulation, '' which I provided evidence for. I contacted them that same day and asked what was necessary of me to continue this claim. They asked that I provide further documentation, which I did once again. On XX/XX/XXXX and XX/XX/XXXX, they sent a letter stating they had received my documentation and will continue my transaction dispute investigation and may contact me with follow-up questions, but until then, no additional information was needed. Now they claim my case has been sent to the " back office '' for review, however I have been told by a few representatives, my case is closed and has been for over a month now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
1.received collection notice from Gulf Coast Collection Bureau dated XXXX/XXXX/XXXX for master account XXXX asking for payment of creditor account # XXXX service date XXXX/XXXX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX . 2. called on XX/XX/17 talked to XXXX and was instructed to send proof of payment eob to XXXXXXXXXXXX with # XXXX in the subject line. 3. called XX/XX/17 talked to XXXX who confirmed receipt of same and info had been forwarded to the client for processing. To the XXXX XXXX XXXX. Said he would call me back when the matter was cleared. 4. called XX/XX/17 talked to XXXX who told me matter is still in review, account was not cleared docs were forwarded from Gulf Coast to the XXXX XXXX XXXX on XX/XX/17 and she will attempt to escalate and call me back when the matter is cleared. <P/>1. received notice of collection from XXXX XXXX XXXX XXXX dated XX/XX/2017 for the exact same creditor account XXXX ( their account # is XXXX ) for service date XX/XX/17 {$1100.00} XXXX XXXX XXXX XXXX XXXX. 2. called talked to XXXX XX/XX/17 refused to send validation unless requested in writing, extremely belligerent/agressive and would not listen when I tried to explain that the account was placed with another agency. 3. called XX/XX/17 talked to XXXX who told me who to send proof of payment to this time : XXXXXXXXXXXX -- did that right away. 4. called back to make sure and received an email from XXXX XXXX that the account was cleared up and no balance of {$1100.00} is due. <P/>MY Question is? WHY was the account placed in duplicate after it was already paid? and WHY is it not yet cleared from one agency when it cleared quickly from the other. This is very distressing and at this point, I feel I need assistance getting resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I closed my business ( XXXX XXXX ) bank and credit card account ( with Wells Fargo ) in XXXX 2016,  but recently I received an unsolicited XXXX XXXX credit card. I did not activate it and a few weeks ago I received a letter from Wells Fargo complaining I did not activate the credit card that I did not solicit for an account I closed in 2016!

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 2017-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There is a withdrawn Federal tax lien still showing on my report that was withdrawn in XXXX of 2017. I have disputed this with Equifax, providing Equifax with copies of the IRS lien withdrawal forms ( which I will also attach here for you ). I have also verified with each county that the lien withdrawal was recorded ( see Massachsuetts-XXXX XXXX Registry of Deeds Book XXXX, Page XXXX ). Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRAs ( XXXX and XXXX ) removed the liens from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report has several unauthorized inquiries, I contacted XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX PA, to discuss the FRCA violation and they said that the inquiry in question was from a business loan application that they received from on their brokers " XXXX XXXX XXXX , XXXX, and they said I authorized it, I said, I wanted to see the application that authorizes my personal credit be pulled and they send me an application from XXXX XXXX XXXX XXXX XXXX that specifically states " that may not obtain, including credit reports and personal financial condition. ( see attached ). I have discussed this matter with XXXX XXXX XXXX of XXXX XXXX XXXX and he refuses to have the inquiry removed. I explained to him in depth, that all he has to do is contact the credit reporting agency in question and have the inquiry removed. He has refused to have the inquiry removed, most likely because they do this all time and do n't want to get in trouble with the three major credit reporting agencies " XXXX, Experian and XXXX for pulling consumer credit reports without authorization. My credit score has dropped substantially because of unauthorized inquiries,

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