vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-18 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: MD

Complaint narrative:
On XX/XX/XXXX, I charged {$2100.00} to a home improvement contractor on this card. It was for a deposit for home improvement ( basement finishing ). The contractor took this money along with {$6000.00} on another card. The total contract was only for {$12000.00}. The contractor purchased about 400 dollars worth of lumber, never pulled the appropriate permits and then asked for {$3000.00} more because he " underbid the job '' and needed that money for fire suppression. In sum, the contractor did NO WORK AFTER STEALING OVER 8000 from me!!!

I fired the contractor at that point and initiated a dispute with my card companies. My other charge card company found in my favor because they actually did an investigation. Bank of America DID NOT. They merely stated I didn't submit the appropriate information but I did because the exact same information was sufficient for the other card company.

I tried about 2 dozen times to resolve this matter with the merchant " XXXX XXXX XXXXXXXX '' and the merchant never responded. I then filed an official complaint/dispute with the bank on XX/XX/XXXX. Claim # XXXX. 

The bank DENIED my claim 2 weeks later on XXXX because I did not send the appropriate documentation. I tried to appeal to a supervisor and even called BOA HQ but merely was sent back to the same people I spoke to in the dispute department that could not assist me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
At or around XX/XX/XXXX I purchased an extended vehicle warranty for my elderly parents who are on a fixed income so as to ensure that when their car needed repairs they would always be able to get them. The car only has XXXX miles on it - I paid {$1600.00} for the warranty using both my Chase and XXXX XXXXXXXX XXXX debit cards. At or around XX/XX/XXXX I made multiple calls to ASAPs XXXX number to file a claim, each time the answer service would pick up the phone and take a message- no one ever called me back. I called several departments on multiple days and each timethe answer service would state that all of ASAPs calls had been forwarded to them all day. At or around XX/XX/XXXX I contacted Chase claims department - I asked how long did I have to file a claim - claim rep stated 12 months - I then filed a claim for the XXXX ( thats the ant charged on Chase debit ) within 10 days Chase denied my claim. Now my elderly parents car needs a new transmission and I dont have the {$1600.00} that I paid for a bogus extended warranty. I can be reached at ( XXXX ) XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are many inquiries on my Transunion credit report the majority of them arent mine. Someone has been attempting to get credit with my name

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 2018-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Amsher Collections continues to erroneously submit my account to the credit bureaus as a debt that has not been paid. This action was done as recently as XX/XX/2018. Amsher is fully aware that the debt ( {$160.00} ) has been paid but continues, in bad faith and against FCRA requirements, to report this account to several credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: CA

Complaint narrative:
On XX/XX/2018 I requested from all three bureaus that the information on my credit report was passed the California statute of limitations on collectable debt. I asked all three bureaus to remove these items if they could not be validated by the Original creditor in writing that I had signed a contract. None of them could provide this but did not remove from my report. They said debt was validated but supplied no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I requested from all three bureaus that the information on my credit report was passed the California statute of limitations on collectable debt. I asked all three bureaus to remove these items if they could not be validated by the Original creditor in writing that I had signed a contract. None of them could provide this but did not remove from my report. They said debt was validated but supplied no proof.

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 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a hard inquiry from XX/XX/2018 on my personal credit when I have a XXXX XXXX XXXX. I want to have this inquiry removed. From Bank of America

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 2018-03-18 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
XXXX Credit Reporting alerted me to a new Collections account filed from Mountain Land in the amount of {$190.00} with an original date of XX/XX/2017. At that date, I had just turned XXXX years old for 3 days and could not have accumulated this debt. 

I have no records showing an amount of {$190.00} I had no credit accounts at that time. 
I have received no letter from Mountain Land. 

What I believe happened is that my name was mixed up with that of my disabled/debt-owed father. This debt is not mine and impacts my ability to gain credit for student loans and rentals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I withdrew {$190.00} from my US Dollar wallet on Coinbase on XX/XX/XXXX at XXXX XXXX. I was told through their online system that it would arrive within 3-5 business days. Today is XX/XX/XXXX and still no deposit into my bank account. I contacted their customer support and was told it is completed on their end. They easily and quickly take money from my bank account and then lie about returning it. I'm not the only one experiencing this issue. I've also created a reddit post where others have complained about the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
i wrote a check from a local bank ( XXXX ) to make a purchase at XXXX XXXX. I have done so in the past and have had no problems. Today XXXX XX/XX/2018, my check was declined. When I asked my bank they said it was the company Certegy that declined it not them. I tried to contact the company with their phone service both ( XXXX ) XXXX and ( XXXX ) XXXX to inquire why. You can not get a person. When I tried to enter my information using the phone it would not take my driver 's license number thus I could not ask for a credit report or inquire as to why they declined it. The only other contact was a PO Box number.  However, I do not trust this method and want to talk to a person.

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 2018-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
TU Credit Reporting alerted me to a new Collections account filed from XXXX XXXX in the amount of {$190.00} with an original date of XX/XX/2017. At that date, I had just turned 18 years old for 3 days and could not have accumulated this debt. 

I have no records showing an amount of {$190.00} I had no credit accounts at that time. 
I have received no letter from XXXX XXXX. 

What I believe happened is that my name was mixed up with that of my XXXX/debt-owed father. This debt is not mine and impacts my ability to gain credit for student loans and rentals.

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 2018-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At or around XX/XX/XXXX I purchased an extended vehicle warranty for my elderly parents who are on a fixed income so as to ensure that when their car needed repairs they would always be able to get them. The car only has XXXX miles on it - I paid {$1600.00} for the warranty using both my XXXX and Bank of America debit cards. At or around XX/XX/XXXX I made multiple calls to XXXX XXXX number to file a claim, each time the answer service would pick up the phone and take a message- no one ever called me back. I called several departments on multiple days and each timethe answer service would state that all of XXXX calls had been forwarded to them all day. At or around XX/XX/XXXX I contacted Bank of America claims department - I asked how long did I have to file a claim - claim rep stated 12 months - I then filed a claim for the {$500.00} ( thats the amount charged on BofA debit ) within 10 days BofA denied my claim. Now my elderly parents car needs a new transmission and I dont have the {$1600.00} that I paid for a bogus extended warranty. I can be reached at ( XXXX ) XXXX. 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 2018-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have a total of {$100000.00} in student loan debt - {$82000.00} of which are from private loans. Every month I'm responsible for paying {$1300.00}, which I struggle immensely to afford. My largest burden is to Sallie Mae - {$970.00} each month. I've contacted them several times over the years trying to find amenable options to help to deal with this debt. I've used up all my Forbearance options. The last time I spoke with them reaching out for help and asking for lower payment options ( I believe XX/XX/2016 ), they told me it was not possible and that either my cosigner needs to pay up or that I would have to just default and then see what happens then. My cosigner is unable to help out with the loans. Even with a cosigner, I don't qualify for consolidation or refinancing because my debt to income ratio is too great. I'm swimming in debt, and barely have enough to cover my other expenses like housing, medical bills, food, etc. I need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
In the first part of XX/XX/XXXX this checking account with US Bank was overdrawn and closed out. A class action lawsuit was filed against US Bank for charging excessive overdraft fees and for the way in which they posted checks to the account. I was a part of this lawsuit. In mid XX/XX/XXXX, I received a letter from a collection agency stating that I owed around {$1800.00} on this debt and it needed to be paid. I stated to the collection agency that I was part of a class action lawsuit against their client, US Bank, and the lawsuit had not been settled yet. I agreed to pay a set amount of {$720.00} and then receive a Release of Liability letter from them, which would release me from any further obligation to this debt. I made the required payments and received the Release of Liability letter on XX/XX/XXXX. This debt is no longer valid because of that. Since XX/XX/XXXX, I have been repeatedly contacted by different collection agencies, usually 3-4 times a year about paying this debt. Each time I inform them of the ROL letter and provide a copy to them and then do not hear anything, assuming it is taken care of. Then usually about three months later another collection agency contacts me again. I have been threatened twice now to be taken to court and both times when I bring up the ROL letter, they say they are going to take care of the matter. This has been going on for almost four years now and I am tired of it. US Bank has clearly violated the Fair Debt Collection Practices Act on several occasions.

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 2018-03-18 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 — Problem with personal statement of dispute
Company: AES/PHEAA
State: WI

Complaint narrative:
During the time period my student loans became past due, I had been experiencing some inconsistencies/glitches with the AES website that made it unclear what payment was due. I had made attempts to log on between XX/XX/XXXX and XX/XX/XXXX and at times the website showed that either a zero balance was due or only {$19.00}. There were also attempts to log on that resulted in the message Were sorry - an unexpected error occurred. I have attached screenshots of examples of this. This was confusing as I was used to to seeing payment due in the {$250.00} dollar range. I would greatly appreciate the removal of the negative credit reporting that is listed as 60 days late for all 5 of my loans. I am applying for a home loan in XX/XX/XXXX and will not be approved without these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: IL

Complaint narrative:
Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: IL

Complaint narrative:
Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off 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 2018-03-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hurricane Harvey caused a hardship. We lost our company and called Bank of America on XX/XX/XXXX to see if they could help me. On XX/XX/XXXX, XXXX XXXX said she had good news for me. Since after a national disaster, it would be hard to pay 3 payments at once so XXXX XXXX was letting me pay these payments at the end of the note. Then XX/XX/XXXX, I received a letter from XXXXXXXX XXXX  that Bank of America sold my mortgage to them and they expected almost {$9000.00} the last day of XX/XX/XXXX. They told me Bank of America did not send an agreement like the had told me I had. I am attaching a description below.

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 2018-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I am writing to file a complaint against Caliber Home Loans because I have been attempting obtain a loan modification from this company since XX/XX/XXXX. I have been jumping through hoops providing documents over and over to satisfy the underwriting department. Unfortunately, each time I thought that I was close to gaining approval I would be told that I needed to provide additional documents which happened to be documents I already provided but I was told that they expired due to the required amount of time it takes the underwriting department to review applications. I have continued to supply the documents that have been requested of me because my husband and I are in desperate need to save our home given our recent financial struggles. Nevertheless, after recently submitting my last loan modification packet in XX/XX/XXXXof this year and ensuring that I provided all required/requested documents, I was told yet again that I needed to provide more documents because the underwriters want up to date documents yet the documents I just provided in XX/XX/XXXXwere not considered expired or 90 days old as of yet. In addition to the fact that once I provide all of the documents that have been requested I will have to wait an additional 30 days for a decision to be made as the clock will start over again. I was also told that even after submitting requested documents that I should continue to submit update documents to avoid the documents from becoming expired and or the most current. I think that this is a feeble attempt to stall the approval process or to avoid providing modification assistance to those in need. The process that is being employed by this mortgage company is unreasonable and ridiculous. This is very unfair and unjust to the customers in need of assistance.

Company response to consumer: Closed with explanation