vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 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: TX

Complaint narrative:
In mid XX/XX/2019, I discovered my credit card had been compromised when there were many charges I did not recognize and many duplicate charges I did authorize. I called and disputed these transactions totaling less than $ XXXX with Bank of America. XX/XX/2019, just three business days after filing the disputes, I had many " fraud dispute reversals '' for what I disputed, but more significantly a dispute reversal in the amount of {$6500.00}. I visited my local branch to no avail and called customer service about 10 times trying to find out what this was for and how I could have it removed because clearly it was a clerical error of some kind. Everyone I spoke to at Bank of America said the same thing- " We can not connect you with the team that investigates fraud, they will contact you IF they need to but there is Nothing You can do. You just have to pay it. '' This charge stayed on my card through for two weeks causing loss of sleep and panic attacks. The charge mysteriously fell off and all that remained was the other " fraud dispute reversals '' which still alarmed me but did not surprise me with how Bank of America was handling everything else. Then XX/XX/2019 I received yet Another reversal totaling {$2300.00} which again does not reflect the total amount disputed considering the many other reversals. I have gone to two Bank of America branches and called customer service and fraud on many occasions for everyone to say the same thing : " There is nothing you can do and no one can explain where it came from, you just have to pay it. '' This is absurd!!! These " fraud dispute investigators '' clearly have no interest in researching any of the fraud or they would see it is indeed fraud. They are taking complete advantage of me and probably many other people that have no idea how to handle a situation like this! Even BOA Employees have told me to file this complaint, thank the lord I found CFPB on XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: DC

Complaint narrative:
On XX/XX/2019, I attempted to temporarily unfreeze my credit report with Experian ( I had successfully lifted freezes with XXXX and XXXX ). Although I thought I had a record of my pin number, their online system told me the pin was incorrect. I then tried to verify my identity without the pin number, but the system told me I would need to submit an identity verification request by mail. I needed to lift the freeze within 48 hours, so this was not a practical solution. 

On XX/XX/2019 I attempted to contact Experian by phone. Experian 's phone options do not let you talk to a person after selecting options for security freezes. After finally finding a person who did not direct me to send them a request by mail, I was told my options were to wait 7-10 business days or to pay {$20.00} to XXXX me a new pin. I chose the {$20.00} option. 

This does not seem to comply with current rules obligating agencies to conduct free credit freezes and then lift the freezes. I acknowledge that I could have written down the incorrect pin number when I originally froze the account, but there should be other options to verify one 's identity in order to quickly lift a credit freeze. This has been extraordinarily inconvenient -- and Experian 's customer service was absolutely abysmal.

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 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I opened a home equity loan with XXXX XXXX. As part of the process, XXXX XXXX paid off and closed several of my credit cards. One of these cards was Citi Bank Diamond Preferred Card with a balance of {$4000.00}. XXXX XXXX sent a cashier 's check to Citi Bank with a close letter in this amount. The account was closed, but Citi Bank said they never received the check. XXXX XXXX  send me a copy of the endorsed check stamped by Citi Bank showing Citi Bank received and deposited it. XXXX XXXX   confirmed the funds cleared. Citi Bank says I still have a balance in the amount of {$4000.00}. Citi Bank refuses to tell me anything except that they can not process the payment. Citi Card Customer Service told me I can not speak with the department that processes these investigations. They told me they can not let me speak to anyone higher than the call center manager, who told me he can't do anything. I spoke with XXXX XXXX, and they advised me to file this report with Consumer Financial Protection.  They told me they can not stop payment and issue another check, because Citi Bank deposited the original check and the funds have cleared.

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 2019-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
We asked to be released from the loan, when we noticed they closed the Account without warning.There also charging the account while its closed at the same time. We found out the vehicle was a rental which wasnt disclosed not only that, its been in several accidents. We tried taking it back after we seen the report on the XXXX which the dealership provided. Heres the problem they asked for money down which was {$4000.00} then we was paying on time every month & in a 10 month range the total of the vehicle never declined nor decreased. At the moment we do not have the vehicle & we are still being charged for the vehicle after they closed the account. All we want is to be released from the loan as soon as possible. I feel like they ripped me off & never did anything about it when I brought it to there attention. I have read they not only did it to me & my wife but theres others the pushes over & made threats too. Consumer portfolio service is the company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armada Corp.
State: AZ

Complaint narrative:
XX/XX/2019 noticed 9 items totaling {$2100.00} from Armada Corporation, XXXX XXXX XXXX, XXXX XXXX, WA XXXX. Acount shows 6 years and 2 months old. Original debtor is XXXX XXXX. This account does not, and has never been attached to me. I have never been to the XXXX XXXX nor have I had any accounts in collection with Armada Corporation. I called to have them remove it and they can only put it in dispute. This account belongs to someone else and has never been attached to me. My credit recently dropped because they attached this to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TX

Complaint narrative:
FIRST, I was an XXXX Data Breach Victim. XXXX   has done ZERO to assist correcting disputed information on the public file under its control. 
NEXT, TWO FTC Reports was created for CREDIT CARD FRAUD, BANK & WIRE FRAUD, FAKE CASHIER CHECK SCHEME [ NATIONALLY reported, which financially destroyed debtor ] and said FTC legal Reports was submitted to the 3 credit bureaus ( which included & provided supporting information such as creditor names, acct numbers, disputed amounts, dates all submitted with SS card & ID ) and submitted to the creditors for verification. ONLY XXXX verified with creditors and DELETED the disputed the falsely reported credit file information. 
This COMPLAINT is being filed against XXXX and TRANSUNION ; due to their attempt to CHANGE, USURP, CIRCUMVENT, RE-WRITE, or DRAFT their own version of the LAWs under FCRA and under FDCPA ; where the LAW states the BURDEN OF PROOF is upon the 3 bureaus and the creditors ; not upon the debtor disputing the misinformation posted on the 3 bureaus ; INCORRECT information which was paid by the creditor to the 3 bureaus to publish. TRANSUNION and XXXX has, in BAD FAITH, requested DUPLICATE information already submitted under said FTC Report. This intentional acts of continued defamation has caused direct damages including lost employment, rejected employment, rejected insurance, rejected credit, and loss of business reputation as an OFFICER OF THE COURT. The PROPER solution is for XXXX and TRANSUNION to follow XXXX 'S example by DELETING & REMOVING the DISPUTED credit files which are ERRONEOUS, FALSE, MISREPRESENTED, MISLEADING, FACTUALLY INCORRECT published information ; destroying a tax payers life, and destroying a public servant 's life. Again, the LAW, under SECTION 609, states the BURDEN OF PROOF IS NOT upon debtors, but upon CREDITORS and the THREE BUREAUS to properly publish that the information being reported is TOTALLY CORRECT and, if not, DELETED from the 3 Bureau 's public 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 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX  charged the wrong amount in the first place and took a couple of years to finally send me a letter saying that they did charge the wrong amount. I have called them several times to rectify this and then they sent me to Real Time Solutions who they said owned it now, when I call them they said that they can't do anything about it because XXXX  is the only one that has that power and when I call XXXX to get to the bottom of this they say that I have to go through Real Time Solutions. I have asked them repedealty that I will pay the correct amount and want the charge off taken off since they never properly represented the correct amount to be charged. 

I have a letter from XXXX stating that they did not charge the correct amount and that they took off the wrong amount or credited the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
Hello I was surprised of this company continue to raise my payment every six months to a year, so I inquire about my monthly payment. This company claim because I am a XXXX XXXX that my payments will go by my income. I did what they ask, which was my pay stubs, income tax refund, other information and documents that would help to lower my payment most of all that my payment would stay the same for the next ten years. When I finally spoke with someone about pay off, they claim that I old about six thousand more than original because of interest. I could not understand the total price  was different form what they said. They stated that I had to consolidate in order to get the police discount for ten years, so I did. Now it's a different story, I am not allow to do much of nothing, they denied my every request. I asked if I can pay the original loan off, they stated that I have to pay original price off in full and more, there's noting we can do for you, I went through three people before this one nice person gave me some advise. The first arrangement I made with company is no longer valid, so this company pulled me in with false pretense. All I wanted to do is pay off my original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have three ( 3 ) late payment for the months of XX/XX/2019, XX/XX/2019, XX/XX/2019 My mortgage bank notified me of being in breach of contract and I had until XX/XX/XXXX to remedy the breach. 

Mortgage payments are $ XXXX month All late payments were paid on the following dates : XX/XX/2019 in the amount of $ XXXX by check XX/XX/2019 in the amount of $ XXXX over the phone XX/XX/2019 for the amount of $ XXXX over the phone The Bank has notified me that there was no payment posted or made on XX/XX/2019 for the amount of {$700.00}. 

However, my personal bank and checking account statements show a mortgage payment by phone was made and charged by the mortgage bank. 

The mortgage bank requested my bank statements to be faxed to their office to help open an investigation into the missing mortgage payment. 

Upon notifying the bank of my faxes sent and sending the bank statements to two different fax telephone lines, a bank rep mentioned they never received the fax statements, yet the fax machines I used for both lines confirmed the statements were sent successfully. 

I contacted the mortgage bank to discuss another discrepancy that occurred on the same date as the " lost payment '' ( XX/XX/XXXX ). Immediately after making my payment and changing my contact information, I received -- by email and by direct mail -- a confirmation letter addressed to a different person altogether! 

Some man and name I do not recognize. 

It is now XX/XX/XXXX as of writing this complaint, I called the bank to discuss my faxed paperwork and the discrepancy for the unrecognized name. The rep who answered was instructed by management to tell me they were too busy and too understaffed to handle my call and would call me back on my cell phone at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRIES AND I DO NOT KNOW HOW AND WHEN SUCH ACCOUNTS WAS PLACED ON MY CREDIT. BECAUSE OF THESE NEGATIVE ACCOUNTS MY CREDIT IS IN A VERY HORRIBLE STATE. IT HAS ALSO BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
I previously disputed a student loan from XXXXSun Trust Bank with the credit bureaus that was unfamiliar to me and they have came back verified. I received a promissory note in the mail which I signed but it was never with XXXXSun Trust Bank. The promissory note that I signed agreeing to the loan is with XXXX not with XXXXSun Trust Bank.

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 2019-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XX/XX/2019 I closed my VISA VENTURE credit card account with Capital One. Then On XX/XX/XXXX I made two prescription charges for the amounts of {$480.00} and {$370.00}, which, instead of billing them on my XXXX XXXX account, were auto-billed and subsequently paid by Capital One ( without my permission ). 
On XX/XX/XXXX I received the billing statement from Capital One, which showed the error. I immediately called Capital 1 and asked them to reverse the charges, and in a conference call with XXXX, requested the latter to rebill my XXXX XXXX account. This was done on XX/XX/XXXX and I subsequently paid for those charges to XXXX. 
On XX/XX/XXXX I received a statement from XXXX, which showed that " a chargeback was processed and created debit memo '' of {$480.00}. When I tried to place a new prescription order, I could not do so without first paying this erroneous debt, caused by fraudulent charges created by Capital One. My inability to order new urgent prescriptions ( of XXXX, XXXX  and XXXX XXXX medications ) is placing me into a life threatening situation entirely caused by Capital One, which appears to be playing games with my account, for refusing to honor my request to close the account back over 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2013 to XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: FL

Complaint narrative:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2019 at XXXX, the " Cease Order '' on my account was violated when a Wells Fargo representative phoned me at my home. 

In addition, she was quite rude, disrespectful, condescending and dismissive when advising me of what documents are needed for a loan modification. 

On Thursday, XX/XX/2019, I called Wells Fargo to request to start a loan modification. The first gentleman I spoke with became rude after asking me the reason for my " hardship ''. I explained it to him, including how Wells Fargo has increased my payment almost {$1000.00} in the last 10 years and how I hesitated until now, to seek help from them because I do not trust Wells Fargo and fear they are trying to take my home. 
He became irate, stating " Wells Fargo doesn't want your house! We have investors who are interested in buying your property ... '' I then hung up the phone, I was very upset. 

After calming down, later that same day, I called again and got a female representative and again, began trying to apply for the a loan modification. 
She was a bit more professional, so I continued with the initial " welcome '' process. The call ended with my understanding that the application will be mailed, what documents I needed to submit with it and that due to the cease order on my account, SHE COULD NOT CALL ME, I WAS TO CALL HER WHEN I RECEIVED THE MAILING. 

When I tried to remind her that we spoke on the XXXX, that I understand what was expected of me and that I did not receive anything yet, she started " talking down to me '', like I was a child or something. She then stated, " Look, I have over a hundred other clients to deal with, so ... '' At that time I interrupted her and stated that I would like to withdraw my application immediately and I hung up. 

In closing, be advised that this is the 2nd attempt I have made to apply for a DESPERATELY NEEDED LOAN MODIFICATION. But, due to Wells Fargo 's unprofessional representatives, I really do not trust that my situation will be treated fair, accurate or even courteous. 
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 explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Webcollex, LLC
State: NJ

Complaint narrative:
I was contacted by CKS financial through a letter that they are representing XXXX XXXX a debt collector company. I vehemently disputed the incorrect and inconsistent content of their letter. I have sent a request for debt validation to the company since the original lender will not provide me with any documentation.

Company response to consumer: Closed with explanation