vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX I send Collection Bureau of Fort Walton Beach Inc. XXXX XXXX XXXX XXXX XXXX, FL XXXX a letter asking for validation of a debt they claim I owe I asked for competent evidence bearing my signature showing that I have or ever had some contractual Obligation to pay them. 
I have also send other letters on XX/XX/XXXX and on XX/XX/XXXX asking for documentation bearing my signature they have yet to send me any documentation bearing my signature and continue to report this on my credit report without Evidence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
One Main XX/XX/2014, {$1800.00}. They did not notify me and seems to be the same as Spring Leaf Financial XX/XX/2014 {$3100.00}. They never notified me. I reached out to them. This is not fair because Im living with my mom and cant get a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
As a minor, I was given a credit card under my mothers name - no information about me was given nor was I an account holder. The company - Barclay credit card - added me onto the account as a holder and it is now effecting my credit score when I have not been on the account for over a year and is continuing to show up on my credit report.

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 2020-10-11 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: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
For the past several months I was harassed by The First National Bank of Omaha with regards to a credit card that I opened in XX/XX/XXXX. Every month I made my payments in full and on time. But back in XXXX of XXXX, I lost my job due to the current Pandemic and was unable to make my payments on time. I called the First National Bank of Omaha and explained my situation, but the did not accept my reasons for the delayed payments and did not off any assistance. In fact they insisted that I make full payment otherwise I would acrue late fees on top of my balance. So with that, I said I could try, but it would mean choosing between feedingy family or starving. I chose my family and thus didn't make any payments. What happened next was terrible as each and every day I received up to 5 phone calls from The First National Bank of Omaha demanding payment. 
This went on for 8 months. This was definitely harassment during a very dire world epidemic. But they didn't care and all they wanted was their money. They reported me to all 3 Credit Bureau 's and my credit score was badly affected. More over, on XX/XX/XXXX, I was finally able to pay off my balance in full of {$370.00}, yet The First National Bank of Omaha claimed to all 3 Credit Bureau 's that I never made any payments. I have proof from my account that a payment was made in full and I also have proof that the amount was debited from my Checking Account. So I want to file a fraudulent claim against The First National Bank of Omaha and demand they update my information with all 3 Credit Bureau 's and remove any defamatory remarks This is affecting my chances of getting a new job and getting a new apartment. They Lied and now I am paying for it. I will seek a lawsuit against them if they do not resolve 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 explanation
Consumer complaint received 2020-10-11 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: VA

Complaint narrative:
Hello, on XX/XX/XXXX I received a notification that XXXX updated my payment information on my Equifax Reporting from past due XX/XX/XXXX to current. However all 3 bureaus were not updated so I sent a request to have all 3 bureaus updates. On XX/XX/XXXX, I received notification that XXXX had removed the positive payment history and reported the negative history again. I feel like this was a very bad experience and that Ive been discriminated against. The decision to add back negative historys UNJUST, negative and has violated my consumer rights and is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: NY

Complaint narrative:
For the past several months I was harassed by The XXXX XXXX XXXX XXXX XXXX with regards to a credit card that I opened in XX/XX/XXXX. Every month I made my payments in full and on time. But back in XXXX of XXXX, I lost my job due to the current Pandemic and was unable to make my payments on time. I called the XXXX XXXX XXXX XXXX XXXX and explained my situation, but the did not accept my reasons for the delayed payments and did not off any assistance. In fact they insisted that I make full payment otherwise I would acrue late fees on top of my balance. So with that, I said I could try, but it would mean choosing between feedingy family or starving. I chose my family and thus didn't make any payments. What happened next was terrible as each and every day I received up to 5 phone calls from XXXX XXXX XXXX XXXX XXXX XXXX demanding payment. 
This went on for 8 months. This was definitely harassment during a very dire world epidemic. But they didn't care and all they wanted was their money. They reported me to all 3 Credit Bureau 's and my credit score was badly affected. More over, on XX/XX/XXXX, I was finally able to pay off my balance in full of {$370.00}, yet The XXXX XXXX XXXX XXXX XXXX claimed to all 3 Credit Bureau 's that I never made any payments. I have proof from my account that a payment was made in full and I also have proof that the amount was debited from my Checking Account. So I want to file a fraudulent claim against XXXX XXXX XXXX XXXX XXXX XXXX and demand they update my information with all 3 Credit Bureau 's and remove any defamatory remarks This is affecting my chances of getting a new job and getting a new apartment. They Lied and now I am paying for it. I will seek a lawsuit against them if they do not resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I attended XXXX XXXX XXXX College in XXXX, CA in XXXX. 
I unexpectantly received an overpayment by my college for my student aid-informing me that I now owe {$950.00}. ( now {$970.00} ) I was a single mom at the time-barely getting by-and health issues. 
I had to stop my studies because I could not pay this. 
It went to collections, I received letters offering lower amounts if I paid in full. 
I noticed on my credit report The Dept Of Education showed up as if I had been making timely monthly payments to them-every month. 
( I never received a loan-I only received the grant ). 
I recently diputed this-as my debt was there already past 7 years-even though it showed paid. 
I disputed with Experian. They denied the dispute. Then I see my credit report now says XXXX and that it will be on record until XXXX! 
I disputed twice afterward with Experian. I also called them as well with my complaint. 
My credit report shows that in XX/XX/XXXX my loan is in collection-when aside from everything else-the Cares Act alone-it should not especially be reported late for the month of XXXX. 
They just keep denying it-so I can be in default with them another 7 years! It shows a charge off-with being late and in collection, presently. 
I now call the number for the Dept Of Education loan default Customer Service ( after so much run around ) -after signing in-the system knew who I was-but wouldn't give me any more information than that. 
So when calling the default number-in order to speak to a rep-it asks me to enter my social security number-then tells me that they can't assist me-then tells me a website address-which says to call them! 
I am beyond frustrated. Because it looks like I have 7 years of a student loan debt-that I just defaulted on in XXXX, XXXX=my credit score dropped so much! 
This is very unethical-as basically they are just trying to start the " loan '' all over again. Please help remove this off of my credit report. 
No one will even speak to me.

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 2020-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020 I called Synchrony Bank ( CareCredit ) to pay my balance in full. I was instructed that there was a {$10.00} charge to pay over the phone. I agreed to the charge, as I wanted to make sure my balance was paid in full, the reason I called in the first place. I thought this {$10.00} was being added to the large payment I made that day, I went about my life thinking my account was paid in full. 
On XXXX XXXX, I was conducting a check on my finances and saw that my credit score had dropped nearly 100 points. Alarmed, I quickly searched for the source of the drop. I found that on XX/XX/2020, Synchrony Bank had ( unbeknownst to me ) charged the {$10.00} pay by phone fee to my credit card account. I was completely unaware of the charge, thinking I had settled my debt in it's entirety the day prior. 
Synchrony Bank subsequently charged me a late fee and two interest charges as a result of their {$10.00} pay by phone fee. I was unaware of this, as I was told my balance was paid in full and was not monitoring any statements coming through my email. CareCredit regularly sends tons of advertisement emails and spam, so I was not on the lookout for any statement emails that may have come through and must have deleted them. 
I made contact with the company on XXXX XXXX, 2020 and spoke with customer service agent, XXXX. I spent 1 hour on the phone with him. After several long hold periods, He informed me that they were willing to remove the late fee, but that I was still responsible to pay the {$10.00} pay by phone fee from XXXX, as well as {$4.00} in interest from that fee. 
Though I am unhappy with this result, I agreed to pay the {$14.00} to avoid further damage to my credit report. The company also agreed to send a letter to the credit bureau on my behalf. 
I feel the company has taken advantage of me as a consumer and also done significant damage to my credit report. Prior to this incident, my credit score was over 750. 
Had I been made aware that this " convenience '' fee was going to be so inconvenient, I would have never agreed to pay it. I only paid it to insure that my balance would be at {$0.00} following my phone call.

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 2020-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have a mortgage with Bank of america account no XXXX the monthly payment is automatically deducted on the XXXX of each month of {$3800.00} which includes Principal, interest and escrow. 

On XX/XX/2020 I made an extra payment of {$10000.00} towards principal. ( See attached file ) On XX/XX/2020 I made an additional payment of {$5000.00} towards principal in addition to the monthly payment of {$3800.00}. ( Total payment was {$8800.00} ) ( See attached file ) However, bank of america assigned the {$10000.00} towards escrow. They show that I made principal payment of {$12000.00} during XXXX ( See attached file ) whereas I had made much more than that. 

I called them three times. I waited 2 hours each time to talk to a representative but nothing was done. I then wrote a letter of errors and sent it by certified return receipt and finally an agent called me back. But they have not given my money towards principal still. It has been more than 4 weeks since my first payment of {$10000.00} and they continue to defraud me of my hard earned money by applying it to escrow rather than principal reduction. 

I would like you to intervene and press upon Bank of America to stop defrauding people hard earned money that they want to use for payment of principal and stop keeping money that is not theirs to themselves. 


Thanks 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 non-monetary relief
Consumer complaint received 2020-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I requested for the previous bank named Suntrust Bank now called Truist to transfer {$250.00} plus an accepted {$3.00} fee five times on five different dates to my checking account at the XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/2020. 

{$250.00} was to be received at XXXX beginning the XXXX of XXXX except not one dime has been received in my XXXX  checking account. 

I filed an electronically file a complaint to the bank using a way to file a dispute. 

On Friday I received an electronic document asking me a XXXX to complete some more information about the amounts while the document was not complete to ask about my complaint. The instructions are requesting that I sign the completed document then " fax '' it to a number. 

I have informed the manager that I am so XXXX that I struggle to place a stamp on a letter for a business purpose. 

I have electronically communicated through their secure services messages but I am and have not received any responses.

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 2020-10-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immiedietly remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.

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 2020-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
We have made regular payments as agreed with new servicer, Shellpoint Mortgage, however their records show I am one month behind. They have charged late fees after two months without resolution, I was forced to pay an extra payment to get ahead and avoid the late charges, hoping it would be resolved in the meantime. I was wrong. The company has been unresponsive via telephone, has hung up on me, transfer me to someone else and then start over as if no knowledge. I have spent hours on the phone with no resolution or real help. Was told someone would call back next day, nothing. I then called a Supervisor, who has been contacted on two occasions and has not ever responded. Wrote Error resolution notice letter, with my phone number, and they took over 30 days to respond and simply wrote back " unable to determine that any error has occurred ''. It's bad! There are so many errors and inconsistent reporting I wonder if the Servicing company is legitimate company or scam.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: IL

Complaint narrative:
XX/XX/XXXX, {$950.00}. 
XX/XX/XXXX {$620.00} I was not notified no this debt is affecting my credit and Im living with my mom and cant get a mortgage. I reached out and they were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.

Complaint narrative:
I was the victim of an attempted fraud on my checking account with CITIBANK. 

Three weeks ago I tried to make a money transfer from CITIBANK website when the system showed a similar message like " Its not possible to make the transaction, try again ''. 

At that moment I decided to call to customer support to know what was the problem, and the operator told me that my account was blocked due to there was a pending payment by paper check with suspicious activity. The paper check was made out to XXXX XXXX. Just to be clear I DO NOT KNOW XXXX XXXX. 

At this moment I created a claim in CITIBANK number XXXX and it is related to a previous claim made last year about fraud and identity thief from my savings account on the same bank ( CITIBANK ). With this it had been 2 fraud attempts to my savings and checking accounts on CITIBANK. 

On XX/XX/2020, I accessed to my bank account and I realized that on " Manage Bills & Payees '' section on CITIBANK website there was a register to XXXX XXXX, immediately I delete the record from my personal checking account. I have evidence of that and attached to this claim. 

I want to let you know that on XX/XX/2020 I went personally to a CITIBANK branch in XXXX, to change my personal address, personal phone number, account password and the recommend me to asked for a new debit card to avoid other issues in the future.

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 2020-10-11 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: R & B Corporation of Virginia
State: SC

Complaint narrative:
Looking through my report and noticed there are some accounts that don't belong to me. This is an act of fraud and the following accounts need to be removed from my credit report. 
XXXX/XXXX  # XXXX CREDIT CONTROL CORP # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
XX/XX/2019, {$1700.00}. I reached out to the company and they would not help me. Now this reporting would not allow me to get a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation
State: CA

Complaint narrative:
Academy Mortgage Corp. rejected my mortgage application ( {$230000.00} ) because of my age. I am XXXX years old. After reviewing may credit status with each credit company and finding no negative items, no late payments or poor reviews from any creditors, and I have credit scores from each of the three credit corps ; XXXX, XXXX  and XXXX, of 800 or better. Without any negative responses they rejected my application with the standard XXXX data sheet about credit scores. Since there are no negatives on any credit report, and credit scores over 800, and my only depts a mortgage of {$210000.00}, with 8.5 years left on it, and a car loan of {$17000.00}, with an after tax income of over {$10000.00} a month and a net worth of {$2.00} XXXX dollars in property and investments ; the only conclusion reached is that my age of XXXX  years can be the only reason I was denied a pre approved ( {$230000.00} ) mortgage from Academy Mortgage Corporation.

Company response to consumer: Closed with explanation