vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I contacted by my Capital One/XXXX credit card collections department on or about XX/XX/18 about my credit report saying my account was closed but my account online saying it was open. I was made to believe that my account was only closed until my balance was below my credit line, then I would be reopened. On XX/XX/18 I checked my credit report again and it still said the account was closed even though I now had available credit according to my online account. I submitted a dispute with XXXX on XX/XX/18. On XX/XX/18 I got the results saying it was closed with a freeze on file updating. I contacted Capital One/XXXX  on XX/XX/18 inquiring about why it was being reported as closed now that I had available credit and explained what their collection department had led me to believe. They stated that they the collections department may not have had access to all the account information. I asked if they routinely made deceptive claims in order to get customers to pay. The only thing she kept referencing was the cardholder agreement saying that was all that mattered and not what/how a debt collector tried to collect the debt. I am wanting a copy of the audio call in which I agreed to make a payment, and of what the debt collector told me about my account. I know the call was recorded as they made me aware that the call was being recorded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
After submitting my complained finally the BBVA compass agent have left me messages on my voicemail. I found a job finally and my work is from XXXX to XXXX and my work is very detailed oriented and I can not receive calls on my job area. 

After filing my complain someone finally tried to call. I tried to call back after XXXX EST but was not possible. 

I want to continue my complain becuase they only refunded me {$220.00} on XX/XX/2018. And the total amount was {$500.00}. I am still waiting for {$270.00} more. Plus, the account is impossible for me to make a deposit becuase they took out all the features fron the online banking and also when I tried to print the direct deposit form, was not there either. I want the rest of my money back and I want my account restored. This bank has given me problems since the first time I opened the account and I want all my features back. I complained to them and they deactivated everything. All I received was appologizing emails for late response and emails to call the bank, when I am trying to contact the bank they always transfer the calls until the call drops ans they keep emailing to call the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Thank You XXXX XXXX  for returning my funds finally after 4 months of investigation. As you now know I did not commit any fraud or un authorized transactions by my mother who gave authorization and instructions to take money from her bank accounts when she became seriously ill again. So I want to up load this final document, Affidavit from my Mother to Bank of America that she sent by Fax yesterday to XXXX from within Bank of America Branch, and also e mailed to the person in charge of frauds mr. XXXX XXXX at XXXX. 
This Affidavit is indisputable evidence and documentary evidence that I did no wrong do and that my Mother made a gross error in filing a false claim on me due to XXXX, XXXX XXXX. 
Please keep this Affidavit from my Mother XXXX XXXX on file in the event you are ever contacted again about these issues on claim # XXXX with Bank of America. 

This is in regard to my accounts with XXXX ending in numbers XXXX, and XXXX. As you can see with all the other evidence I sent you audio and video recordings and my affidavit, this new affidavit from my mothers seals the case solid. 
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 explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I havve been paying my student loans rigurously. On XX/XX/XXXX Navient reported a late payment which was not my mistake and have not removed it form the 3 credit reports until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies. 

Yesterday and Today I had received 2 alerts. Navient is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on XXXX ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with Navient. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have struggled this year to make my mortgage payments on time due to switching jobs last year and having to take a salary reduction from what I was making last year. In addition we became foster parents to XXXX children and my wife is now XXXX. I have paid so far in 2018 my XXXX, XXXX, XXXX, XXXX, XXXX, XXXX payments. I called XXXX XXXX XXXX XXXX to let them know I have the funds to make the XXXX payment but they told me they would not accept them payment, the would only accept a minimum of 3 payments, this seems very unreasonable, if I had the funds to make 3 payments I would have made them. I don't think its right for the mortgage company to refuse payments, I told them my next payment after the one I attempted to make would be on XX/XX/XXXX and the next on XX/XX/XXXX because I finally have the funds set aside to make all these payments and get back on track, still they said they will not accept any less than 3 payments at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was offered a gift card of {$120.00} with approval for XXXX XXXX XXXX American Express credit card. I got an email with approval but have not received my {$120.00} gift card. Have tried speaking to both XXXX customer service and American Express customer service. They are giving me a run around. Have been on the phone for an hour today and a few minutes yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I have not received a bill in the past and suddenly have a notice on credit karma that I have an account in collections that I am not aware of. I dont not feel responsible and feel like this should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company called Portfolio Recovery has continued to harass me about debts from closed accounts that were the result of identify theft that happen over 15 years ago. A police report was filed when my wallet was stolen and everything had been taken care of at that time and the accounts closed, but in recent months this company seemed to have ran my social security number for debts I have informed them that I do not owe and have possibly put them back on my credit reports which I now need to check. They also made a call to me a few minutes ago which was after XXXX XXXX  Eastern time which I know is not legal and made continued calls to me while Im at work and late hours using different phones numbers that show on my caller ID coming from different states. Although I have continued to tell them these accounts are not mine and they could not collect from accounts from thar long ago they have continued to call almost every day and sometimes 2 or 3 times a day from different numbers for over 6 months now. Tonight was just too much and just all I can put up with and I felt I needed to file this complaint. Also there is another account they have been trying to collect from, but their was not a link or room to list an additional account Portfolio recovery is trying to collect for. It is from XXXX that is over 15 years as well. Your assistance would greatly be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/2018, {$4.00}, I complaint to the bank about fees and want the money back, but the US bank keep finding excusing on charging fees.

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 2018-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA Collection company called me on XX/XX/2018 at XXXXXXXX XXXX and said that becuase I did not hang up the phone I must be XXXX XXXX and that if I did not pay them {$180.00} tonight I was going to face a lawsuit seeking summary judgement. 

I am not the person they are looking for

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 2018-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened BOA checking account 8 years ago. That is e-checking account, means no fees as long as I am not using branch. Recently I was checking my BOA account and realized there is monthly XXXX dollar service fee charged from my account. I contacted BOA and they were saying they informed me by XX/XX/2017. I searched all my emails from BOA, none of them mentioned about there is additional fee charging. The customer service mentioned the notice is in statement. How should I open the statement everytime? And the notice is on the second page of PDF file. there is even no sign mentioned there is very important change/fee to my account. I argued with them, they said BOA is always like that to customer. I want my money back ( {$67.00} ). this amount money is small. But the way they inform customers is awful and they feel proud about their way. It is definitely need some regulation for this type of move from BOA. 
There is no obviously sign/indicator to let customer know the potential charge. I ask CFPB to investigate this.

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 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I havve been paying my student loans rigurously. On XX/XX/XXXX XXXX reported a late payment which was not my mistake and have not removed it form the 3 credit reports  until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies. 

Yesterday and Today I had received 2 alerts. XXXX is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on XXXX ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with XXXX. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.

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 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I havve been paying my student loans rigurously. On XX/XX/XXXX XXXX reported a late payment which was not my mistake and have not removed it form the 3 credit reports until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies.

Yesterday and Today I had received 2 alerts. XXXX is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on Equifax ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with XXXX. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I havve been paying my student loans rigurously. On XX/XX/XXXX XXXX reported a late payment which was not my mistake and have not removed it form the 3 credit reports until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies.

Yesterday and Today I had received 2 alerts. XXXX is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on XXXX  ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with XXXX. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.

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 2018-10-27 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XX/XX/18 XXXX XXXX placed a Hard Credit Inquiry for a  XXXX. This inquiry was not made by me. XXXX could not say how the inquiry was made online, in person or by mail. They did tell me they closed the account, which didnt make sense because according to the letter they sent me an account was not granted. They agreed to remove the inquiry but it remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
XXXX sold my XXXX Bank loans in XXXX, 2018 to Navient. I am XXXX and XXXX years old. I already am paying XXXX & XXXX a month and XXXX {$45.00} a month. My S. S. I. payments are {$750.00}. I tried to get a forgiveness, but they sent the application to the Dept. of Education. I am currently still in school and I can not stop the program yet. I needed a payment plan that would help include the other private loans from XXXX Bank that were sold to Navient. They said because I am already making no interest payments on the private loans of {$68.00} a month I can not lower any more payments, and they want to start raising payments for XXXX Bank to a total of {$150.00} starting in XXXX, and then, going up from there. I have tried to get some kind of payment plan that I can afford for all the private loans like an income contingent plan. They have offered me nothing and I need help asap. Instead, after I sent all the doctors information and their application, they sent the information to the Department of Education for total loan forgiveness, but that does not stop the private loan payments. They are just trying to delay addressing my application to them by sending the application to the Department of Education. I am willing to make payments but they need to do an income-contingent plan and they are not observing the contract I signed with XXXX for XXXX Bank that forgives loans if you have a physicians statement, which I sent them, in fact, I sent them 2 statements and my S. S. I. income statement. In my condition at XXXX years old, what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I XXXX XXXX do not have a complaint with any of the credit bureaus. This complaint is to make the credit bureaus aware that there is a debt collection agency that has abused my credit with Equifax and XXXX  respectfully. All debt collection agencies sign an agreement with the credit bureaus to report collections within the rules bureaus submit in their agreements. In 2015 the CFPC ( Consumer Financial Protection Bureau ) reached an agreement with the three major credit bureau on a change in rules on the reporting of medical debts. The rules call for a 180-day notice that must be submitted to the consumer that he/she has 180 days to rectify the collection, either through insurance, settlement or paid in full with the original medical facility or debt collection agency before the collection can be reported to a credit bureau. A copy of this decision from the CFPB is attached to this complaint. I am certain that the collection agency in question, XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX is in violation of the rules with thousands of consumers, and their agreement with the bureaus must be voided immediately to stop this egregious activity that destroys consumers credit ratings. The collections must be terminated permanently and this agency should be given serious fines and sanctions by the CFPB accordingly. This activity by medical collection agencies must be given a stern discipline to cease such activities that hard consumers credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I didn't realize this card had a yearly fee. The card I haven't used is charging me XXXX for an annual fee and 2 late payments to tallying over XXXX for a card I haven't used. They closed the account but wont refund the fee 's

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-27 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please remove the accounts XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX TX ) XXXX, XXXX/XXXX XXXX, XXXX   XXXX, XXXX/XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have disputed the late payments on XXXX XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX   XXXX accountsfor months. The credit bureaus never reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please this has hurt my credibility..

Company response to consumer: Closed with non-monetary relief