vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 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: IN

Complaint narrative:
I have a Bank of America credit card that was opened when I purchased    AAA. I opened the card to get a discount on AAA. I paid with a check for the first year of the AAA then the next year was billed to my credit card. I called and told them I no longer wanted AAA and I was under  the impression that it was canceled and the charge was being credited back to my credit card this was in  XXXX  of    2017.  I did n't get another bill until   XX/XX/XXXX  I  was still being billed f or AAA alo ng with late fees and interest I called Bank of America and they removed the fees but told me to conta ct AAA with my dispute. I called AAA and they told me that my membership was n't canceled a nd that it was to late to cancel it and that I had to pay for it. I called Bank of America back and tried to dispute it with them but they are telling me I have to pay it. I do n't understand how a credit card company can hold me responsible for something that I do n't w ant. AAA is telling me that there is no notes from where I called in  XX/XX/XXXX  however they also told me that if there is no change made to the AAA account that they do n't have to note 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 monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: WA

Complaint narrative:
On  XXXX   XXXX  I received a SIF offer letter where at the bottom it said I could dispute debt. I disputed the debt and the very next day I received a threatening call.  XXXX   XXXX  just called me at  XXXX  on  XXXX  the  XXXX . The day after I disputed to debt. He threatened to add this collection to my credit report. He told me that I had to prove this debt was n't mine and proceeded to tell me that he had been in the collection business for 7 years and 100 % of the time the person says they do n't recognize the debt. I told him because you are the collection agency you need to provide proof that this debt is mine. I went  to US ban k and they said there was no debt. As the creditor it is your responsibility to send verification of debt when I ask for 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 2017-05-16 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: The Bureaus, Inc.
State: CA

Complaint narrative:
The Bureaus is repo rting a bill of {$5000.00} as unpaid by me. The Superior Court of the State of California,  XXXX   XXXX , ordered in my divorce that the bill be paid by my former husband  XXXX   XXXX   XXXX .   I have supplied a copy of the court findings, and names and addresses of the Executor o f his Estate to the B ureaus. At that time I explained to the Bureaus that there was plenty of money to cover the debt. Th e Bureaus failed  to follow up on this information and was negligent in trying to collect the money. Therefore they should not be allowed to report it as my debt.   Respectfully  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In reviewing my credit report, I noticed  a Hard Inquiry from Capital One  on  XXXX  of    2016. I made no attempt to apply for any credit through capital one, and in my attempt at mortgage financing I was lead to believe that the number of inquiries on my account contributes to lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion Credit Bureau illegally gave my credit report and  credit score to a   company I had no credit with, while I had the credit freeze in place. On   XXXX   XXXX   XXXX    , I pulled my credit report as part of annual review. I noticed  XXXX   XXXX  had pulled my credit report with Permissible Purpose stated as : COLLECTIONS. I never had any credit with  XXXX   XXXX , so I called TransUnion on   XXXX   XXXX   XXXX   XXXX   to fix the issue. They kept transferring me to different person and a few times they hung up on me. I finally requested a  manager an d she indicated, " do n't worry, it will go away  in two years a nd no one can see it ''. I told her do you want a copy of the report so you can see the word collection on it. I told her it will interfere with my employment check and she indicated, since this is a soft pulled we ca n't help you. She indicated I should file a stolen credit report with local police and they indicated the report was n't stolen since I had gotten dental work with them. They stated I need to go to court and then take that information to the credit bureau. Transunion can remove the word collection, if I get the police report, while at the same time they told  me it ca n't be removed, well which it. What good is the money I paid Transunion for credit freeze, i f they do n't enforce it and even worse they lied to me and I thought I was protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: MO

Complaint narrative:
In reviewing my credit report, I notice d a Hard Inquiry f rom  XXXX   XXXX  on    XXXX   XXXX     2016. I ma de no attempt to apply for any credit through   XXXX   XXXX  , and in my attempt at mortgage financing I was lead to believe that the number of inquiries on my account contributes to lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The  Bureaus i s reporting a bill of {$5000.00} as unpaid by me. The Superior Court of the State of California,  XXXX  County, ordered in my divorce that the bill be paid by my former husband  XXXX   XXXX   XXXX .   I have supplied a copy of the court findings, and names and addresses of the Executor of his  Estate to the Bureaus. At that time I explained to the Bureaus that there was plenty of money to cover the debt. The Bureaus failed to follow up on this information and was negligent in trying to collect the money. The refore they should not be allowed to report it as my debt.    Respectfully   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On   XXXX   XXXX   XXXX    , we refinanced a home with  XXXX  ( d.b.a . Military Family Home Loans ). Because we just today sold the home and pulled out some old paperwork, we reali zed we were never contacted by  XXXX  after we complained during the closing that we had never obtained a  Good Faith Estimate. Thus, when the HUD-1  arrived, we were surprised by some of the numbers. When we told the settlement agent, she advised that we write on the closing documents that a GFE had not been received, and that she would speak with the lender about i t. ( The lender als o said we could delay closing but that our rate lock would expire if we did so. ) If there is anything that can be done at the juncture, we would appreciate 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 2017-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of transunions injury issue.   I have :  XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  These hard inquiries were already off my credit and now they are back on. Please fix this issue, thanks.

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 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have been receiving bills from a debt collector who is acting of behalf of  XXXX . The debt collector is called Convergent. The debt is from 2008. The issue I had was my account was broken into and my personal information stolen resulting in erroneous charges being made to my account over a 9 month period. The charges were for a subscription I never signed up for. Subsequently my personal information was used to make other charges resulting in me having to close my checking accounts.
When I approached  XXXX  with what had been going through I was told by one of the Sales Managers that they would credit my account for the erroneous charges however they could do nothing to stop the charges from being charged to my account.
After nine months of this kind of treatment I closed my account in   XXXX   of 2008. My issue is it is still showing on my credit report. The last report pulled was from  XXXX  in   which I was denied credit for what they called a serious delinquency.

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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: WY

Complaint narrative:
On Friday  XXXX   XXXX ,    2017  my husband and I were contacted b y the county that we live in that the property taxes on our account had not been paid by our mortgage company and that we are now in default. Immediately I called the mortgage company more than once and was told it was going to be handled within 10 business days  and that a supervisor would call me Monday.     Monday  XXXX   XXXX ,  2017  I called the mortgage company and was told the supervisor would call me later that day, that the supervisor would n't be in until  XXXX    XXXX   central standard time. I called back around  XXXX  central standard time after not hearing from the supervisor, the supervisor told me my property taxes had been paid to  a county in Nebraska. When I looked online the mortgage company had the correct county on our statement. The supervisor stated that the payment may not be paid toda y instead it could be up until the  XXXX  of  XXXX  for this to be paid at no extra charge to us.     How can  Moneysource  do this and still be in business?!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the 30-day period. I disputed this account sending certified with return receipt in which Chase rec eived and signed on  XXXX   XXXX  by  XXXX   XXXX  in which  Chase  did n't respond to my letter in a timely manner that was dated  XXXX   XXXX  which is another violation of Federal and state law and they also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Keep in mind I also have time stamped copies of my credit report showing proof of the violations. I lived with an aunt that had the same exact name as myself so I also requested copies of a contract bearing my signature.  Chase  send on  XXXX  of   XXXX   copies of printouts of bills and itemized documents, which does not constitute verification as per FTC opinion letter from Attorney  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's w ebsite showed the balance owed and I paid that balance. I requested that my credit card be closed.     I continued to be on their email list for sales but just ignored the mails then I get a call a few months later saying that somehow when I closed my account they billed me another dollar so I had a few months of fees ( each month a few more dollars to be paid ). I did not think this was correct but the representative assured me that if I paid the  XXXX  the account would be  XXXX  balance. He processed the payment and then the next month I see again they are charging me another fee.     When I complained over their website portal they said I 'd have to call another part of their company to take care of it. When I explained that I would make a legal complaint against their company they replied that they were sorry and " Our record indicates that your account was closed on  XXXX / XXXX / XXXX , as you requested. As of today,  XXXX / XXXX / XXXX , you have a zero balance. '' Now I get an email and it has a balance due for  XXXX  of {$2.00}! How many people are they doing this to?

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 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: MS

Complaint narrative:
The Judgements were paid on  XXXX   XXXX ,  XXXX  in the full amount of {$1600.00} through the Courts of  XXXX ,  MS . Th e Courts finally took the public records off of my account on  XXXX   XXXX ,  XXXX .  XXXX  and  XXXX  refuse to remove the collections off my account Case or ID #  XXXX  Case or ID #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: TX

Complaint narrative:
I have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have 5 XXXX XXXX XXXX accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over 4  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated 1 or more of these accounts and reflected it as a Paid " XXXX XXXX  '' account with the main derogatories reporting as recent asXX/XX/XXXX even though supposedly it 's been paid since XXXX 2015. This has caused a significant drop in my credit score and is preventing me from moving forward on a home loan for my family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored. <P/>Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NV

Complaint narrative:
I have mailed certified le tters to Swiss Colony, a nd   XXXX   regarding this account.     XXXX   XXXX   to Swiss Colony   XXXX   XXXX   to Swiss Colony   XXXX   XXXX   to  XXXX  They claim I owe {$240.00} to an account that is not mine, or related to me.     I have asked numerous times for documents/contracts bearing my signature and they refuse to provide.      Swiss Colony sen t a letter to me  X/XX/2017    asking for information from me including a signed affidavit. I do not need to provide them a thing, and they continue to say things are mine, and  XXXX  is not deleting and claiming they verified account with  Swiss Colony with no signature.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: MS

Complaint narrative:
The Judgements were paid on XX/XX/XXXX in the full amount of {$1600.00} through the Courts of XXXX, MS . The Courts finally took the public records off of my account on XX/XX/XXXX. XXXX and XXXX  refuse to remove the collections off my account Case or ID # XXXX  Case or ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase mislead my expectations when I applied for their  Chase Slate card to p erform a balance transfer. During the application process they asked for the amount that I would like to transfer, and upon completing the application, I learned they gave me a lower limit than the transfer amount I requested. Obviously, credit card limits are based on a clients ' credit worthiness. So, why would you ask me for the amount I would like to transfer, if that does n't have any bearing on the limit I will get on the card? Now, I 'm expected to ask for a credit line increase which will count as a second hard inquiry, and again, it was n't increased to the amount I asked to transfer. In essence, do n't ask your potential clients how much they plan to transfer to yo ur Chase Slate card  because the card limit is not based on the transfer request, but on their credit history, like any other credit card! I expected to receive a balance transfer of {$6400.00} and was subsequently approved fo r a Chase Slate card with  a limit of {$2000.00}. I spoke to their representative, and they said I would have to ask for a credit limit increase and I was approved for a poultry {$400.00} ( new limit {$2400.00} ). In what way does this " balance transfer card '' ( misrepresentation of this product ) help me eliminate the entire debt balance I was hoping to transfer? Simply speaking, if you had n't asked for the transfer amount I would have like, this situation would be less frustrating because I now ha ve 2 inquiries a nd a reduce d credit score for a pro duct that mislead my expectations. Alas, thank you, for misleading me into completing the application for this credit card disguised as a balance transfer card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have yet to be contacted regarding resolving fraudulent charges on my Bank of America credit card. Initially they refunded my card of charges around {$3000.00} for fuel purchases over a couple month period. I requested my visa be cancelled and reissued a new card number. B of  America took th e money back after their 'investigation ' stating that it could not be fraud because a chip card was used. Clearly my banking history for more than 20 years with this same bank shows I have never made purchases like this. It 's not even possible to buy as much gas as was being charged within the same day  ( s )  at multiple locations when worki ng 40 hours+ a  week. I have been to  2 Ba nk of America branches in-person to have this looked at and brought documentation. It was a bank mgr that informed me of card cloning. I have been in contact with the week-day fraud depart., the customer svc depart, the weekend/after hours fraud depart, everyone does/says the same thing - they apologize, say they will have someone contact me re my appeal of the denial and my requesting a further investigation. It 's been over a year. Yes, over a year. I 'm so irritated that I 've only been making the minimum payments since this happened, I initially never activated my new card number because I want to close my whole banking experience with B of A because of this. Not  one pe rson has followed through with my multiple requests. This is absolutely unbelievable.

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