vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
i have filed 2 complaints on bank of america, now they have sent a {$27.00} return check fee to regulatory complaint servicing ( a debt collection agency ), who i can not reach because i could not hear the employee ext. # given by XXXX XXXX who called me on XX/XX/18 at XXXX XXXX. There # is XXXX I HAVE A XXXX BALANCE, THIS {$27.00} HAS BEEN CREDITED TO MY ACCT. I WANT BANK OF AMERICA TO CONTACT XXXX XXXX AND CORRECT THIS EVIL THEY ARE DOING TO ME. 
I CAN NOT REACH HIM BECAUSE I DON ' T HAVE HIS EXT # I CAN NOT BELIEVE THE EVIL SCHEMES OF THIS COMPANY, THIS IS A NEW LOW. PLEASE HELP ME. I WAS ENRAGED WHEN I REALIZED WHAT THIS COMPANY WAS DOING TO ME AND I TOOK IT OUT ON THE CS AGENTS, SO THIS IS THERE REPAYMENT. I WILL STOP THIS DEMONIC GAME RIGHT NOW BY APOLOGIZING FOR MY BEHAVIOR, BECAUSE I DID JUST WANT
EVIL WANTED ME TO DO, SHAMING MY LORD & SAVIOR XXXX XXXX. BUT HE WILL WIN, BECAUSE I FORGIVE.

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 2018-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have 2 accounts with Bank of America. One of the account use to be a saving account. After being charge the fee because they changed the policy and said you need to have XXXX or more on your account to not have fee charged to take money out I was told to switch it to a checking account and I wish I didnt do that. On the first account it has been open for 10 or more years the second maybe a year. I have been charged fee on fee things going into my account that I called and said was not authorized and it wasnt me. I was charge to pay my rent. I also have looked in my account and seen that the bigger amount are saved and the smaller amounts that have already been taken out have fees charged to it. I had a credit card with Bank of America and was charged for something they decided to refund back to my account. Something needs to be done because I am tired of it

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 2018-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
This fraudulent account was at one time disputed and removed/deleted from my credit file Now it is listed again on my credit file under a different creditor/ account number, Same company XXXX. Initially it was opened under a XXXX XXXX for his credit under my name Fraudulently. Here is proof below : experian_logo Prepared for XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XX/XX/XXXX divider About Dispute Results Our  reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 


If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. 
Here are your results XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

XXXX icon Deleted You can contact XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXX or ( XXXX ) XXXX After your dispute : This item was removed from your Credit Report. 
Before your dispute : Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1100.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: KY

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX   XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act XXXX/XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
ON XX/XX/XXXX I PAID MY BALANCE OF {$3600.00} TO BANK OF AMERICA CREDIT CARD, ON XX/XX/XXXX I CALLED AND ASKED THAT THE ACCT. BE CLOSED, BECAUSE I HAD ACCT. INFO STOLEN & PHISHING SCAMS. I ASKED IF MY BALANCE WAS XXXX, WAS TOLD YES. ON XX/XX/XXXX XXXX XXXX XXXX ATTEMPTED TO TAKE A FRAUDULENT PAYMENT FROM MY CLOSED CHECKING ACCT. OF {$36.00}, WHEN IT WAS REFUSED, THEY CHARGED MY CARD A FRAUDULENT {$27.00} RETURN CHECK FEE ON MY CLOSED XXXX BALANCE ACCT. I SPENT 3 DAYS TRYING TO STRAIGHTEN THIS ERROR OUT WITH THEIR CS AGENTS WHO SOMETIME DURING THIS EVIL, SENT THIS {$27.00} CHARGE TO REGULATORY COMPLAINT SERVICING ( A DEBT COLLECTION AGENCY ) i GOT A CALL FROM XXXX XXXX XXXX WHOSE EXT # I DID NOT GET IN THE MESSAGE SENT TO ME AT XXXX XXXX ON XX/XX/XXXX. I CAN NOT REACH THIS COMPANY AND I CAN NOT GET THROUGH TO XXXX 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 monetary relief
Consumer complaint received 2018-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I reported a fraud charge to capital one. On XX/XX/XXXX, the funds that were disputed were credited back, and available to use. At XXXX XXXX  on XX/XX/XXXX the disputed amount was put on a shadow hold. They are no longer available to use, but the hold does not show on my activity or statement. I was told that I can not overpay to cover the disputed amount and it was suggested to me by a fraud protection manager named XXXX that I apply for a credit increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I am concerned about XXXX XXXX because they did not notify me that I had a payment due and as a result, my credit could be adversely affected. 

To date, I have received two statements from XXXX XXXX for a Perkins loan. 

The first stated I owed {$0.00} on XX/XX/2018. 

The second stated I owed {$160.00} on XX/XX/2018. This statement said {$84.00} of this was past due. 

My concern lies with the past due portion. My previous statement showed that I owed {$0.00} so I could not have been past due. 

I corresponded with the company via online chat. The woman wrote I owed for XX/XX/XXXX and XX/XX/XXXX. She did not acknowledge my concern and told me to check my account online. I expressed that I would have made a payment had I been notified. She did not seem to understand this. I believe this is predatory lending. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Was approved for credit card XX/XX/18. The offer was to spend {$2500.00} to get XXXX bonus miles. I spent around {$2400.00} and now my card is frozen. I was told to summit a XXXX on XX/XX/2018. My account has still been frozen during this entire time. I have called many times asking about the progress and they have responded they are still working on it. I have only until XX/XX/XXXX to meet the spend. I want to be able to meet the spend to get the bonus but having a frozen card makes it hard. I do not think it is fair to have a card frozen when it is so close to the minimum spend for the rewards. They should not of approved my card if they had doubts about my ability to pay in the first place.

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 2018-10-06 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: FL

Complaint narrative:
EQUIFAX INFO SERVICES STATES THAT HARD INQUIRIES ARE A MATTER OF FACTUAL DATA, BUT DOES NOT VERIFY BY INVESTIGATION PER MY WRITTEN OR ELECTRONIC REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX Wells Fargo sent me its annual Escrow Review that projected a significant increase on monthly escrow payments. The actual taxes for the XXXX fiscal year was {$12000.00}. The increased escrow payments were based on the projected property taxes for the upcoming year increasing to ~ {$17000.00} ( based on the last 4 payments made to the town ). The primary reason for the last 4 payments being this amount, was that the town 's initial estimate for the first 2 quarters of XXXX was {$2000.00} based on XXXX taxes ***when no property existed on the land. ***. The final XXXX taxes were based on the fully built up lot. While the town has not decided on the tax rate and assessment for XXXX, it is unrealistic to project that the XXXX taxes are going to be 34 % higher or XXXX {$4300.00} higher!! I complained to Wells Fargo about this increase and the only resolution I got in a XX/XX/XXXX escrow review used the same projections over 24 months instead of 12. I expect that a finance company will do due diligence on analyzing why their previous projections didn't match the actual payouts instead of blindly using past payments as the sole authority in determining future payments. While Wells Fargo is likely to refund excess escrow balances next year, it is a needless burden on our family 's monthly cash flow.

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 2018-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
This fraudulent account was at one time disputed and removed/deleted from my credit file Now it is listed again on my credit file under a different creditor/ account number, Same company XXXX. Initially it was opened under a XXXX XXXX for his credit under my name Fraudulently. Here is proof below : XXXX  Prepared for XXXX XXXX XXXX Personal & Confidential Date  Generated XX/XX/XXXX Report Number XXXX divider About Dispute Results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 


If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. 
Here are your results SOURCE RECEIVABLES MNG Account XXXX This item was removed from your credit report. Please review your report for the details. 

XXXX icon Deleted You can contact SOURCE RECEIVABLES MNG at XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXX or ( XXXX ) XXXX After your dispute : This item was removed from your Credit Report. 
Before your dispute : Account Name SOURCE RECEIVABLES MNGMN Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1100.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My ex husband applied for XXXX XXXX & used my name XXXX a co signer. It was {$1000.00} credit line. He never paid on it. I started getting collection notices from Portfolio Recovery and asked him what had happened. He took full responsibility, & said he'd take care of it. Fast forward to 2016, we were both sued & iin court my attorney asked the Portfolio attorney to remove me from the legal action. He refused stating as long as my ex paid the monthly payments, I wouldn't have to worry. He didn't pay. I now have a lien on my home. I've disputed numerous times via XXXX XXXX & XXXX. Each time they upheld it, however, no one has provided me with proof of my signature on the contract. When i've specifically asked for proof, they just send me a credit card statement. That's not proof. I've contacted the attorneys directly and asked for this proof and have been ignored. My ex husband signed a notarized statement stating he was solely responsible for this debt. I was still ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2018 at XXXX I had a alert on my phone about my account. I check my account on it inform me that it was close. On XX/XX/2018 I got and text from bank of America about a identification code. Call the bank asked them why did send me that code. The representative mention that someone probably trying to hack into my account.i asked will the bank inform me about any fraud, the answer was yes. They close my account what out telling me why they close my 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 2018-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  INFO SERVICES STATES THAT HARD INQUIRIES ARE A MATTER OF FACTUAL DATA, BUT DOES NOT VERIFY BY INVESTIGATION PER MY WRITTEN OR ELECTRONIC REQUEST

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 2018-10-06 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: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
On XX/XX/2018, HCRVGRP. ( Heath Care Receivable Group ) ( collection agency ) reported an inaccurate debt to all 3 credit  bureaus. ( I do not owe the debt reported ) They were made aware this information was not correct and sent a delete letter to all three bureaus. I was told it can take up to 90 days for the inaccurate reporting to delete. The Information was deleted from all 3 within 30 days. Great right um no. The problem is on XXXX XXXX  HCRVGRP rereported the false information to XXXX  again causing my Credit score to drop. XXXX points. They have information from the original creditor acknowledging the debt is not owed. I called and spoke with HCRVGRP on XX/XX/18 I was told the would resubmit delete later to XXXX  for the second time. Meanwhile, it can take up to 90 to fix the error once again. I'm currently in the home buying process and can not afford mistakes like this. This error put a major ding on my credit report and home buying process for the second time. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
During the months of XXXX to XX/XX/XXXX I was going through a very serious financial hardship where it was very difficult for me to make my payments. I was not working, I was XXXX  and trying to work with XXXX  on getting my payments figured out. They did nothing to help me and placed 4 late payments on my credit. I was so disappointed because I thought compaines would be more understanding when consumers are put in terrible financial situations. I now have a career job and a roof over my head so I am able to make all payments on time without any problems. I have been a XXXX customer since XXXX and I have never been late for a payment not until XX/XX/XXXX when I was struggling financially.

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 2018-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Sallie Mae sold my loan to Navient. I was assured that the consolidated loan was eligible for forgiveness after 10 years of on-time payments because I work for a state university ( non-profit organization ). Now I'm told my loan type does not qualify. I would intend to join class-action suit. They've cheated thousands of us, please help. 

Thank you for your attention. 
Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Back in XX/XX/2018 I requested for Experian to validate and delete the debt of a negative paid/charged off/inaccurate/closed credit card that I had with XXXX ( Account # XXXX ), ( Amount {$0.00} ). I have sent my last 4th letter to Experian on the XX/XX/2018. I have not received any copies in regards to my request. XXXX and XXXX   have deleted or updated this account on my credit report within the 30 day time frame already. My XXXX  credit score is XXXX & XXXX   credit score is XXXX. This item is negatively impacting my Experian credit score. Experian is involved with illegal business practices and is  committing fraud on various levels.

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 2018-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account has been paid off and it is still showing as a current debt from 2011 as per FCRA requirements this should be closed, this debt is no longer valid

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