vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-27 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 — Problem with personal statement of dispute
Company: Credit Technologies, Inc.
State: GA

Complaint narrative:
XXXX XXXX refuses to write a letter of each of my payment is the last twelve months they are sending a activity report. All of which prove in the last day of each month a payment was made for the exception where they held a check for an entire month in XX/XX/XXXX and sent in back to me due to no account. a complaint was filed with XXXXthey removed it only to put it back on my report and they have it noted in the system. credit tech. refuses to uses common sense and read my activity that was reported. The offer demanded that it be in a certain format.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: NC

Complaint narrative:
My business debit card was stolen. I wasnt aware of the situation until after 2 weeks of fraudulent activities. Im not sure exactly when my debit card was taken because, I dont use the card physically. Proper procedure is, if there are any suspicious activity or fraudulent purchases, that my debit card will be locked, and I will be notified. I DID NOT RECEIVE ANY ALERTS OR PHONE CALLS. The transactions start on XX/XX/XXXX and end on XX/XX/XXXX. They consist of ATM withdrawals, ATM deposits, money order purchases and store purchases. There was Fraudulent checks deposited through the ATM machines also. A grand total of {$19000.00}. The investigation was done, and Bank of America decided to close my account because my PIN # was used. I didnt think that decision was right, considering that Ive NEVER giving out my PIN # or giving anyone permission to use it. I asked Bank of America to reopen the case. Bank of America reopened the case, did their investigation again, and came up with the same conclusion. I then asked for a copy of the report. I was told that it wasnt any physical paper work, and the decision was based off the PIN # usage. I received a letter on XX/XX/XXXX stating that my account has been CLOSED, because the transactions were authorized and posted correctly to my account. On XX/XX/XXXX Bank of America excepted a deposit of {$800.00} from a disbursement from the IRS, into a CLOSED account. The payment went towards the outstanding balance. First or all, I wasnt contacted when the transactions were taking place. I then contacted my police department to file a dispute on my transactions and a complaint against Bank of America. I proceeded to open another bank account for business and ALL of them would close after about 48 hours. Now I find out that Im listed with the Check consumer beau because of the Bank of America situation. This enables me to open an account anywhere. I was then told by XXXX XXXX XXXX to register with the Secretary of State to become a XXXX, so I could use my Tax ID # for the bank account. That account closed also. Then I went to see XXXX at XXXX XXXX. Thats when I was guided on how to handle the whole situation.

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 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
DOCKET : XXXX XXXX XXXX XXXX V. XXXX XXXX, XXXX XXXX I defaulted in this loan back in XX/XX/XXXX. I have made every attempt possible with GMAC, OCWEN, XXXX XXXX to get a modification that is duable. This bank does not have my original note, they told the judge that the NOTE was lost on or about XX/XX/XXXX. I defaulted when I loss my job on XX/XX/XXXX. I sent packages, they tried to foreclose me and released the liens pends. I filed for bankruptcy, debt was discharged. It has been over 7 years, going on my 8th year fighting with these institutions. During my bankruptcy, the bank abandoned the property, after discharged they assigned the loan to XXXX XXXX  who made my loan part of a securitization. My loan is a JUNK loan, they had given me an arm loan. I have asked them to reduce the principal amount as GMAC and XXXX XXXX settled with the Federal Government and they wo n't do it. They are offering me a 30 year balloon at 4 % with monthly payments of over {$2900.00} for a dilapidated home that wo n't appraise for {$320000.00}. The principal amount they are looking for is almost $ 650K. This is crazy, someone please help. These thieves are ruining our country. On XX/XX/XXXX my lawyers have a conference call with a foreclosure mediation at XXXX XXXX. The superior court clerk 's office is XXXX ( open from XXXX to XXXX XXXX ) email to participate is XXXX I have not been properly served notices ( mailed to me past any deadline ) or simply I have not been served ) I have asked for copy of my original NOTE, they ignored my request. 
I have asked for reduction of principal amount, they ignore my request I have asked for relief while I was unemployed, they accelerated my foreclosure I have met every single agreement requested by the lender 's attorney during mediation I am a single mother of Two college students, hardly making {$15.00} per hour and my husband is incarcerated. I need someone to take a look at this mess and try to fix it and help me. A 40 year balloon at 4 % is no RELIEF!!!!!!! please have someone one call me at XXXX. There should be a statue of limitations, there should be relief, whenever I asked for help I did not get any, to the point that I had to hire a lawyer. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - Phone : ( XXXX ) XXXX Ask for XXXX ( XXXX ) or you may reach me at XXXX. PLEASE HELP ME SAVE MY HOME

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 2017-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX XXXX, 2017, I initiated a wire transfer with a Bank of America branch in XXXX MA. The amount to be transferred was to be XXXX XXXX Yuan sent from an American checking account in American dollars. It was indicated to use that the exchange rate to be used would be somewhere between XXXX to XXXX yuan for every dollar. This was close to the exchange rate shown online at the time and similar to the exchange available from XXXX. We thought this was fair and conducted the transfer. We expected not much more than {$12000.00} to be withdrawn from the checking account to fund the transfer. Upon receipt of a monthly statement we realized that {$12000.00} was with drawn. Bank of America indicated to us that they used an exchange rate of XXXX. This exchange rate was no where near the published exchange rate online or the exchange rate used by Bank of America. If we had known that Bank of America was going to use this anomalous exchange rate, we would have used another company. We do not know if this is a normal mode of operation for Bank of America, but it seems very inappropriate. I am a XXXX XXXX and I do not know if they regularly give misleading information about the exchange rates that they will use to foreign customers. I went in person to the Bank of America branch where this transaction was conducted and they told us to call the foreign exchange center. I called the center to voice the complaint and they indicated that the money would be refunded. Unfortunately, so far they have only refunded XXXX. The difference between the rate we believed we would be paying and the rate that was used, should mean that Bank of America should refund us at least {$590.00}. We would like for Bank of America to at least credit this additional XXXX. The issue of anomalous exchange rates being charged by Bank of America should also be examined so that this does not happen to other people. 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 monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Last month or so, attempted to open account with SIMPLE bank. A month later, told that they could not read my information in photographs. They told me to take photo of myself outside of my home. Attempted to send, my account was closed before I could send. Re-opened account again, send photos via their website and also e-mailed PDFs for easier reading. They had problems with this, but refused to tell me what the problem was. I resubmitted again. They had a problem and refused to tell me what it was. As they told me to try to send materials again, an actual employee of SIMPLE DELETED my information and altered the information of my account! I attempted to create a new account and their " system '' blocked me from re-creating. Employee at SIMPLE told me there is nothing they can do. That they can not control their system whatsoever. Additionally, employee could not tell me what was done with my very sensitive files. They refuse to tell me whether it was sent to a secured e-mail or whether it will be properly deleted. This process took several weeks and no one at SIMPLE is held accountable. Worst of all is, I have NO IDEA what they are doing with my information. If I can not become a client, why ca n't they tell me what they are doing with my personal information? I am now left at risk to identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX XXXX 2017 I sent an actual live check to to Everbank and they held it for 30 days and I reported TO THEM that they held my check to make me default on my loan which i immediately paid on line. They removed the negative mark from my credit report only to place it back. I am trying to obtain a mortgage and I need Everbank to report my credit for the last 12 months and change the late pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I received a mail offer for a credit card from First National Bank of Omaha for a XXXX XXXX credit card. The offer stated that there would be a 5 % transfer fee on all balance transfers and then an 8.99 % APR for the life of the transfer if done within the first 3 billing cycles. I applied and was accepted. After receiving my card the terms were different. They stated 0 % XX/XX/XXXX until XX/XX/XXXX then 23.99 % after that. I called the credit card company and they advised their original offer was a " typo '' on their end. I then contacted the BBB and 2 weeks later on XX/XX/XXXX I received a letter from First National Bank of Omaha saying they will honor the original terms. And, the interest would be 0 % until XX/XX/XXXX and transfers would be 8.99 % after that for the life of the loan. Today is XX/XX/XXXX and I am still unable to make the transfers because the bank has not fixed the terms on their end. I am accruing interest on the cards I want to transfer daily. I just want them to do what they said they were going to do. I have called and sent several emails to the bank and have spoken with countless managers and supervisors. They have all stated that they do not know when I will be allowed to make the transfers because they do not know when the terms will be updated. This is ridiculous. I do not understand what is taking so long. Please help.

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 2017-11-27 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: CA

Complaint narrative:
I disputed the incorrect and outdated information reported by his credit repository on correspondence they received. The letter was dated XXXX XXXX, 2017. CHAPTER XXXX BANKRUPTCY Ref # XXXX has been withdrawn last XXXX XXXX, 2017 and I clearly informed this credit repository in the said letter. I was able to verify this with court my self. I asked them to obtain the latest public record information from the vendor of this information and NOTHING happened. Their records still show OUTDATED info which violates FCRA.

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 2017-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Inc
State: OR

Complaint narrative:
I am XXXX XXXX and XXXX. I was sent a letter from the medical company for a bill that was from XX/XX/XXXX. I responded with a letter ( XX/XX/XXXX or XX/XX/XXXX ) stating that I believed I had already Pais this debt, asking for proof. I heard nothing back from he medical facility. 

I received a letter in XX/XX/XXXX from a debt recovery firm claiming that I owed this debt. I called them and spoke to a young woman who was very accommodating I explained that I thought the debt was paid and panicked because I just moved and my files are not yet organized. I was sure I paid this debt and was concerned about it going onto my credit report. She said not to worry, she would request the appropriate proof from he medical facility and then get back to me. I reiterated that I was concerned about them placing it into my credit file and she reassured me that they would not do this because I was communicating. She was going to get back to me regarding the medical facilities invoicing. 

I received an alert on my credit report XX/XX/XXXX that they had reported this debt without any communication as I was promised. I received a letter from them the day after this was reported with no documentation of the charges, payments, etc just stating that I owed them this amount $ {$470.00}.

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 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX was reporting me late for almost 2 years even after i disputed the wrong information and the dispute took more then 30 days after disputing this for more then 8 times, and so did n't the credit bureaus do the ultimate job to investigate my disputes if they would do their job they would see that i was n't late on this account.

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 2017-11-27 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: NY

Complaint narrative:
XXXX XXXX was reporting me late for almost 2 years even after i disputed the wrong information and the dispute took more then 30 days after disputing this for more then 8 times, and so did n't the credit bureaus do the ultimate job to investigate my disputes if they would do their job they would see that i was n't late on this account.

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 2017-11-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
While reviewing my credit report, there is an account listed as closed for XXXXCARE CREDIT with current payment status : In Collections/Charge-Off dated XXXX XXXX, 2013. The remarks indicate : Payment after charge off/collection purchased by another lender. I would like detailed information regarding this collections listed on my credit report. I have never received any information advising of any unpaid balances. If this information can not be provided, then I am requesting this error to be removed from my credit.

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 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
IN CASE CFPB # XXXX YOU PROVIDE A JOINT ANSWER CHASE AND XXXX XXXX. YOU BRIEFLY MENTION WITHOUT EXPLAINING " CURRENT OWNER ''. 

ONE QUESTION, DID XXXX XXXX PURCHASE XXXX XXXX XXXX FROM YOU ON X/XX/2009 FOR XXXX? 

XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: AL

Complaint narrative:
The XXXX XXXX XXXX XXXX have inaccurate information on my Credit Report that has been removed 4 times and they are constantly putting it back on my Equifax Credit Report and raising the balance. It 's over 10 years old, incorrect and they are violating my Constitutional Rights. I will be filing a Lawsuit in Federal Court against Equifax and The XXXX XXXX XXXX for this erroneous act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
We continue to receive prescreened offers of credit from Citi. It is a constant barrage of mail and advertisements coming through our mail. We do not want any credit cards through this or other companies that continue to mail to us. We are on the Opt Out of Offers list and we still receive these solicitations.

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 2017-11-27 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: ND

Complaint narrative:
My credit report shows a hard inquiry via Capital One on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting Capital One several times over the course of a couple of years, they have been no help. Capital One told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called XXXX only to be told that I needed to contact Capital One for them to fix the issue. I have never once done any business with Capital One in my life. I need some sort of assistance to get this inquiry off of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: PA

Complaint narrative:
Several months ago I fell behind on my payments. I initially tried to send extra payments to mortgage company but the payments were sent back. I filed a loan modification application but was denied. An XXXX XXXX was sent to me so I used XXXX XXXX to assist me. We filed an appeal which was denied but of some in accuracies in the budget. XXXX XXXX ( XXXX XXXX XXXX ) has been trying to resolve this matter with franklin credit management but to no avail. We sent another timely appeal to franklin credit management but they still havent replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I recently pulled my credit report and noticed they were some debt reported by XXXX/CAPIO that I did not owe or ever heard of or ever had contact with. I contacted the company certified mail asking to validate this debt because its not mine. The company responded with a generic XXXX XXXX print out saying as verification. That is nit verification, if XXXX/ CAPIO does not have any documents with my signature agreeing to pay, they need to remove this debt ( XXXX ACCOUNT # XXXX ) of my credit report immediately. They violated FCRA by not providing me proper validation in regards to this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX quoted me a payoff amount of {$26000.00} and said it was good for 10 days. I paid them {$27000.00} which leaves them owing me a balance of {$1400.00} but have not received at this point. I have continually tried to work with them on processing a refund that is due to me but keep getting the run around.

Company response to consumer: Closed with monetary relief