vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-24 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:
I rented a van from XXXX for two days XX/XX/2018 to XX/XX/2018 using my Bank of America XXXX XXXX Visa XXXX ... XXXX. XXXX XXXX XXXX as a primary coverage for the XX/XX/XXXX rental car and all this agree and documented before I rent the car. On the morning of XX/XX/2018 I was returning the van to XXXX about 10 minutes a way from XXXX I felt some kind of winds kind of lost control of the van, but eventually went of the road manage to control it. However, the van got some damage and it has to be towed. On the day of the incident I paid XXXX the amount of {$170.00} for the two day rental and {$500.00} as reimbursement by XXXX XXXX XX/XX/XXXX when the damage of the estimate is complete. I contact to XXXX XXXX XX/XX/XXXX on the day of the incident with XX/XX/XXXXmanager and provide me information to open the claim. I opened the claim and provide all the document enterprise provide me and XXXX XXXX XXXX requested through the claim. XX/XX/XXXX request to be paid total {$6300.00} for the damage and then after everything completed XXXX XXXX denied my claim three times. I contact Bank of America about this issue and I did join conference call with XXXX XXXX XXXX and Bank of America, but they did nothing only talk. Since XXXX XXXX XXXX denied my claim XXXX sent the bills to me they wouldn't even give me a chance until I resolve the issue. I'm just a service member I don't have that much money and I contact law farms and other legal departments, they refer me to you and I'm hoping someone from this department can help me. Now XXXX sent it to collections because I couldn't paid off by know and its damaging my credits and its causing me a great deal of stress. Please help me and need justice.

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 2019-01-24 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: EOS Holdings, Inc.
State: FL

Complaint narrative:
I contacted EOS CCA via telephone on XX/XX/XXXX and by mailing a dispute letter to this company requesting a reasonable investigation regarding a negative account from XXXX that they are reporting in my credit file which the Co. ignored on or about XX/XX/XXXX. 

Account Name EOS CCA Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: CA

Complaint narrative:
We purchased a home with Taylor Morrison and closed on XX/XX/XXXX and used their financing company, Taylor Morrison Home Funding. We are in the process of refinancing with another company to capitalize on a lower interest rate and the new company ( XXXX XXXX XXXX XXXX XXXX ) have been in contact with Taylor Morrison to obtain a payoff amount and Taylor Morrison is refusing to give the payoff amount to us or the other company in order to finalize the refinance loan. They are stating they sold the mortgage to another company, however that company ( XXXX ) is not servicing the loan until XX/XX/XXXX. Taylor Morrison home funding is the current servicer of our loan and they refuse to give us Or the other companies the payoff amount. 

The request was made for a payoff in the middle from both XXXX and XXXX and after multiple calls and emails they still refuse to give the amount or documentation needed to close on our refinance loan which they are servicing until XX/XX/XXXX. We only have a few days before our rate lock is up and they ( Taylor Morrison & XXXX ) are not responding with the information XXXX needs to approve our refinance loan. 

Due to their ( Taylor Morrison and XXXX ) questionable businesses practices they are not allowing my husband and I to obtain better financing for our mortgage which will be a huge financial impact after a few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My husband, the only earner right now in our household was suddenly laid off without warning in early XXXX We have a few credit cards, most with very low monthly payments which we should be able to satisfy until we are back on our feet, all but one, a XXXX XXXX card which I opened through XXXX XXXX this past summer. I have a promotional rate which put me at a very high monthly obligation of {$150.00}. When I chose this deal, we had no reason to expect lay off and were meeting our obligations. I was planning on paying off half of this debt in the early spring when we get our tax return and that would have brought the monthly payment down to probably half this. I called the bank a few days ago asking about assistance during our severe hardship.I was told that I cant qualify for the 12 month because I am on a promotional program which would have been at a payment of {$60.00} per month at a 10 % but I cant take advantage of that because of the promotional rate I am on. 
The only thing they offered me was a program where I had to actually miss my payment and then i could be put in a program that would lower my payment to {$42.00} per month. 
My major problem with this is that I have to actually miss a payment to qualify. My credit is good. Not great but good and it took me years to get it where it is now. I have to ruin my credit in order to get this deal? Of course we can show proof of this lay off if needed. Why is that not good enough? Why should a cardholder have to be forced to ruin their credit in order to qualify for a program like this? what should I do, not make my mortgage payment which we actually don't know what we are doing about that ( we are of course seeking assistance from that bank ) to make this {$150.00} per month payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC
State: GA

Complaint narrative:
I emailed XXXX on XX/XX/2019 to advise that we had conflicting information - no response. 

I called on XX/XX/2019 - verified that we had conflicting information, and advised the representative that my lease had been paid in full and to discontinue taking funds from my account. 

My payments have not been accurately reflected on their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened my new bank of America checking account in XX/XX/2018, at the same time, l ask about credit card, because l don't have SSN, So they recommend me cash reward, but l need deposit XXXX dollars, and they charge XXXX dollars for annual fee. But l saw this card few days ago website said no annual fee. So l call to the service center asked my XXXX dollars back, they told me you need pay for this because you don't have credit like that but l only can pay XXXX dollars that money which l deposit belong to me. I said if l received my SSN get need card can l get that XXXX dollars annual fee back they said no, if like that they shouldn't recommend me cash reward credit card, because l already get my check 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 2019-01-24 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: NC

Complaint narrative:
I have disputed fraudulent accounts from XX/XX/XXXX - XX/XX/XXXX or accounts that need to be removed on my credit report for over years to XXXX  and Equifax and nothing has been done. 

XXXX  : XXXX XXXX XXXX {$230.00} - This was fraud XXXX XXXX {$0.00} - I want this removed. This account was paid off. 
XXXX ( XXXX XXXX XXXX ) {$630.00} - Fraud account. I had two for this company the other one was for the amount {$470.00} that was deleted not sure why {$630.00} account wasn't. 
XXXX XXXX ( XXXX XXXX XXXX ) - Fraud account which was deleted by XXXX  XXXX XXXX {$320.00} - Fraud account that has been on my account since XX/XX/XXXX and still not removed XXXX  ( XXXX XXXX XXXX ) {$470.00} - Fraud account that has not been removed Equifax : XXXX XXXX {$320.00} - Fraud account Allegacy {$0.00} that I want removed account was paid off. 
XXXX XXXX XXXX {$1400.00} account was paid off I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Transaction date XXXX amount {$120.00} I purchased tickets that I never received I disputed with my bank Chase that gave ne provisional credit at the time of complaint XXXX and now XXXX I receive s letter stating my account is going to be charged back {$120.00} This is unfair to me as a customer of the bank which is my money that is being taken from me on fraudulent charges at this point now. I paid for a service that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: NY

Complaint narrative:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I contacted XXXX  XXXX via telephone on XX/XX/XXXX and by mailing a dispute letter to this company requesting a reasonable investigation regarding a negative account from XXXX that they are reporting in my credit file which the Co. ignored on or about XX/XX/XXXX. 

Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Made a payment to my credit card out of an empty account. Called captiol one back once I saw I used the wrong one. 
They said they cant stop it that I have to wait until its posted then make the right payment. 
I follow up with making payment in cash at the branch. 
After a few weeks went to use the card it has a XXXX balance but no credit. 
Called the back they said they decided to close the card because of the mixup. 
But if I pay XXXX dollars to clear up the balance from the mixup they will open it up. I explain Im furloughed and dont have money, I need the credit card for gas but I can use what I have left if ok. 
She said pay it and then call back when it post. 
I did that called back and they said no, I got a different rep so I ask for supervisor who said rep was in error but will try to fix the issue. Explain the situation and need for the credit. She said there was a charge on my account from when the card was closed that overdraws my account. She clear that up and call me back after the holiday to get another card. 
No call in I called them today who says Im not eligible to have my card open. I explain the problem they said once closed it closed. I ask for a supervisor because I gave my funds up and there is no more but I am required to show up to work or could be terminated. She transferred me to manager who said I have to wait 7-10 business days and chances I wont get card back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing sent me a letter indicating I owed {$530.00}, the original creditor listed as XXXX XXXX ' The letter from Convergent referenced : Client Account # : XXXX Convergent Account # : XXXX I have never had a credit line with XXXX ; I contacted XXXX and inquired with respect to this debt collection attempt ( and provided the above account numbers ) but XXXX  was unable to locate any record of a credit line on my account. 

This seems to be a fraudulent debt collection attempt. The debt appears to be fictitious. 

Thank you for your help, XXXX 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 2019-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX {$110.00} to XXXX XX/XX/XXXX {$120.00} to XXXX XXXX refuses to give me my money back for these transaction that were fraudelant

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander is falsely reporting a paid off account 's status as currently in collections/charged off/referred to collections when the actual current status is paid. 

The current payment status for Closed and Paid account # XXXX was being erroneously reported as 120+ days late with XXXX and XXXX so I disputed it since the account was paid in 2016. In response, Santander recently maliciously changed that 120+ late status on the paid account to currently a BAD DEBT IN COLLECTION/CHARGED OFF to get my much better credit score to immediately drop from the supposed " new delinquency '' when it should reported as PAID/SETTLED. 

Santander is attempting to keep the false Current Payment Status on my credit reports as negative as possible while placing the actual current status that it was paid /settled collection way down on the report as a comment/note/remarks section instead of correcting the Current Payment Status to PAID/SETTLED FOR LESS THAN BALANCE. Accurate reporting is required under the Fair Credit Reporting Act 5 U.S.C. 1681 and that means a certain level of above board transparency about what the current status of the account is. No money is due or has been due for 2 1/2 years now and never will be again, yet they are pretending that the current status of the account field is for stating what had happened with the account instead of its actual current disposition. This is illegal. 

Instead, Santander continues to reporting the CURRENT PAYMENT STATUS as a CURRENT BAD DEBT REFERRED TO COLLECTION, IN COLLECTION/CHARGEOFF or as CURRENTLY 120+ DAYS LATE, which is inaccurate and in contravention of the requirements of the Fair Credit Reporting Act 5 U.S.C. 1681. The account is not currently a bad debt, in collections or referred to any agency because it was settled and paid. This error needs to be corrected immediately. 

I am requesting that this item be either deleted or adjusted to accurately reflect that the CURRENT PAYMENT STATUS is PAID or SETTLED in order to adequately reflect my true credit history and final disposition on the affected XXXX and XXXX  reports. 

Both of our records ( mine and Santander 's ) reflect that this account was PAID/SETTLED in 2016 and that the title of the vehicle was released to me free and clear. The vehicle was later sold with a clean title and I have records of the bill of sale. 


***Documents Attached*** - Not for Posting Examples from credit reports of how Santander is falsely reporting my paid account # XXXX on my credit reports. 

On XXXX, Santander changed the false report of it being currently 120+ days late to a Current Payment Status of " in collections/charge off. '' On XXXX, Santander reported the Current Status as a current Charge Off/Referred to Collections making it appear new

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX  sent me a letter indicating I owed {$530.00}, the original creditor listed as 'Paypal Inc. ' The letter from XXXX   referenced : Client Account # : XXXX XXXX   Account # : XXXX I have never had a credit line with Paypal ; I contacted Paypal and inquired with respect to this debt collection attempt ( and provided the above account numbers ) but Paypal was unable to locate any record of a credit line on my account. 

This seems to be a fraudulent debt collection attempt. The debt appears to be fictitious. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  is falsely reporting a paid off account 's status as currently in collections/charged off/referred to collections when the actual current status is paid.

The current payment status for Closed and Paid account # XXXX was being erroneously reported as 120+ days late with XXXX and Equifax so I disputed it since the account was paid in 2016. In response, XXXX recently maliciously changed that 120+ late status on the paid account to currently a BAD DEBT IN COLLECTION/CHARGED OFF to get my much better credit score to immediately drop from the supposed " new delinquency '' when it should reported as PAID/SETTLED.

XXXX  is attempting to keep the false Current Payment Status on my credit reports as negative as possible while placing the actual current status that it was paid /settled collection way down on the report as a comment/note/remarks section instead of correcting the Current Payment Status to PAID/SETTLED FOR LESS THAN BALANCE. Accurate reporting is required under the Fair Credit Reporting Act 5 U.S.C. 1681 and that means a certain level of above board transparency about what the current status of the account is. No money is due or has been due for 2 1/2 years now and never will be again, yet they are pretending that the current status of the account field is for stating what had happened with the account instead of its actual current disposition. This is illegal.

Instead, XXXX continues to reporting the CURRENT PAYMENT STATUS as a CURRENT BAD DEBT REFERRED TO COLLECTION, IN COLLECTION/CHARGEOFF or as CURRENTLY 120+ DAYS LATE, which is inaccurate and in contravention of the requirements of the Fair Credit Reporting Act 5 U.S.C. 1681. The account is not currently a bad debt, in collections or referred to any agency because it was settled and paid. This error needs to be corrected immediately.

I am requesting that this item be either deleted or adjusted to accurately reflect that the CURRENT PAYMENT STATUS is PAID or SETTLED in order to adequately reflect my true credit history and final disposition on the affected XXXX and Equifax reports.

Both of our records ( mine and XXXX  's ) reflect that this account was PAID/SETTLED in 2016 and that the title of the vehicle was released to me free and clear. The vehicle was later sold with a clean title and I have records of the bill of sale.

***Documents Attached*** - Not for Posting Examples from credit reports of how XXXX is falsely reporting my paid account # XXXX  on my credit reports.

On XXXX, XXXX  changed the false report of it being currently 120+ days late to a Current Payment Status of " in collections/charge off. '' On Equifax, XXXX  reported the Current Status as a current Charge Off/Referred to Collections making it appear new

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. There are 3 accounts reporting to Experian which are fraudulent & I'd like them to be removed from my report. I thought they had dutifully complied to the law to cease any fraudulent account unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

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