vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have had a XXXX account with Bank of America since XXXX. I have used this account sparingly with balances generally less than {$500.00} XXXX Some months the card was not used at all XXXX. I have always paid my balance in full each month and always on time. 
Staring in XXXX XXXX, I began seeing multiple unauthorized charges on my statements, which I promptly reported to Bank of America. In the beginning, they promptly credited my account for the charges and said they were beginning an investigation. As time went on there were an increasing number of unauthorized charges for increasing amounts all of which I reported to Bank of America and for which they gave me provisional credits. 
Eventually, I identified the person ( living in my home ) who I suspected was the perpetrator of this fraud. I began eviction proceedings against this person and informed Bank of America that as soon as the eviction was final I would be filing a police report naming this individual as a suspect. On XXXX/XXXX/XXXX, I filed the report and called Bank of America with the police report number and the XXXX XXXX 's name. 
Beginning with my billing statement of XXXX, Bank of America began charging back to my account, nearly all of the fraudulent changes, stating that they had finished their investigation and had determined that no fraud had occurred. They did not give a reason for this finding. Now, they are expecting me to pay over {$16000.00} in fraudulent charges ( Even though the credit card agreement clearly states 0 % liability for fraudulent charges ).

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 2017-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
I have two student loans with payments being handled by American Education Services. Both loans are owned by XXXX XXXX XXXX XXXX XXXX and guaranteed by XXXX. I believe my account balances have been incorrectly calculated over the years, and I 'm not even confident that XXXX  and AES have the proper paperwork to still be collecting my payments. 

Both of my loans were disbursed in XX/XX/XXXX ; both are " standard variable '' interest rate types, and both are non-subsidized, private loans. 
AES was capitalizing interest on my loans every few months from XX/XX/XXXX. 

The two loans COMBINED had an ORIGINAL balance of {$39000.00}. 
My CURRENT balance for the two loans combined is {$40000.00} -- - more than the amount I borrowed despite the fact that, to date, I have PAID a total of {$52000.00}. 
( {$26000.00} to principal and {$25000.00} to interest and {$210.00} in fees ) Both loans have expected payoff dates of XXXX. 

I know XXXX and XXXX have been under scrutiny recently for their record-keeping practices. I have no issue with repaying what I borrowed plus some interest, but something does n't seem right when I 'll end up paying over {$92000.00} on loans that were less than {$40000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: MD

Complaint narrative:
Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( Transunion XXXX XXXX and XXXX XXXX. 

On XXXX XXXX, XXXX I called Transunion to have verbiage remarks removed from XXXX and hours latter my XXXX XXXX dropped XXXX points. I called Transunion back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. Transunion said that this could be due to human error. Transunion stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that XXXX and XXXX remove the same verbiage from my closed account with XXXX and 4 days later my XXXX score dropped XXXX points. I am assuming XXXX is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.

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 2017-10-24 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: MD

Complaint narrative:
Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( XXXX XXXX Equifax and XXXX XXXX. 

On XXXX XXXX, XXXX I called XXXX to have verbiage remarks removed from XXXX and hours latter my credit score dropped XXXX points. I called XXXX back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that Equifax and XXXX remove the same verbiage from my closed account with XXXX and 4 days later my Equifax score dropped XXXX points. I am assuming XXXX is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: MD

Complaint narrative:
Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( XXXX XXXX XXXX and Experian XXXX. 

On XXXX XXXX, XXXX I called XXXX to have verbiage remarks removed from XXXX and hours latter my XXXX XXXX dropped XXXX points. I called XXXX back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that XXXX and Experian remove the same verbiage from my closed account with XXXX and 4 days later my XXXX score dropped XXXX points. I am assuming Experian is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: LA

Complaint narrative:
On XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ( see attached ) I sent certified mail return receipt to the company mentioned for a dispute. The failed to comply with FCRA requirements not only XXXX time but multiply times. They broke a federal law by not marking my account disputed which is required by the FCRA law and guidlines. They have continued to ignore all of my request to this alleged account. They have not responded not even once to any of my certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express - Fraud Operations Dispute Refrence # XXXX I have been frustrated trying to resolve a fraudulent charge since XXXX XXXX. I have been told that the matter was raised under incorrect department which caused delay or complication in processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: TN

Complaint narrative:
I recent disputed inquries on my credit report to Equifax due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Equifax XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
On XXXX the XXXX I sent a letter via certified mail to XXXX XXXX XXXX XXXX asking them to validate a debt that they reported on my credit report and to provide me with my signature. By law i have that right to have the debt validated. XXXX XXXX XXXX XXXX received my letter on XXXX XXXX and around the XXXX or XXXX of XXXX i received a letter back stating that they were unable to locate XXXX XXXX in their systems. If they were not able to locate me then why are they reporting to the collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I advised this company that the landlord under Texas law has failed to provide what is required by law. If the landlord has failed to either provide me with the security deposit or an itemized list of deductions within thirty days from moving out, the law may allow me to collect {$100.00}, three times the amount of the security deposit wrongly withheld, court costs, and attorney 's fees. If the landlord improperly made deductions from the deposit I will also have the opportunity to obtain the same damages and penalties. Section 92.109, Texas Property Code. Here the landlord has acted in bad faith, and therefore the landlord by law can not make any deductions to the deposit whether or not I damaged the premises. Section 92.109 ( b ), Texas Property Code. Additionally, I will be filing a lawsuit against this credit collection company tactics to immediately report a debt to all three credit bureaus for a debt I do not owe and their communication tactics and constant harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
At purchaae, the car was not reprogrammed to clear out other owners information. I was not told by a previous accident. I emailed the customer service person and inquired if there was something wrong with the vehicle, she did not respond. I emailed the extended warranty company and sent me the information needed that should have happened at the finance table.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I began to pay extra toward the Principal Deferred Balance.  Since then, I have paid a total of {$2000.00} and Wells Fargo has failed to deducted the paid amounts from the Deferred Balance. Or in the alternative, Wells Fargo has also failed to deduct the extra payments from the 'Outstanding Principal Balance '', which would have caused a recalculation of the 'total ' owed and a new monthly payment amount would be less. I have addressed the credit several times and Wells Fargo has refused to credit my account accordingly. In fact, Wells Fargo has not shown to which balance the extra funds have been applied to. Rather, Wells Fargo has shown that making extra payments toward the Deferred Balance is not allowed and yet it refuses to refund my extra payments that I have made. My contract does not forbid me from making extra payments toward the 'Outstanding Principal Balance '. Wells Fargo has accepted by extra payments that were clearly marked " Principal '' and has failed and refused to deduct said amounts from the total balance. Wells Fargo has not applied the extra payments toward any balance and it has not given my account credit, it has not recalculated the total due nor has it recalculated my monthly payment. Instead, it has taken my money and it continues to charge me the same interest rate and amount amounts in spite of the lesser total balance that was caused by the additional payments. On XXXX/XXXX/XXXX, once again, Wells Fargo refused to apply credit for the payments, readjust the balance and give me credit for the interest it charges since XXXX/XXXX/XXXX and in the alternative has refused to refund my money.

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 2017-10-24 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: NC

Complaint narrative:
The XXXX XXXX XXXX XXXX is reporting a lien on my Equifax and XXXX credit reports. I went on the XXXX XXXX XXXXXXXX XXXX 's website and searched my last name to see if it was any information, there isnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In XX/XX/XXXX Navient prevented me from receiving a lower rate. When the interested rates were changing refused to release my loan information to the lender from the government who promised to lower my loan. I am not XXXX in debt. One loan was XXXX it is now over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX Trans Union and XXXX are continuing to report inaccurate information. This collection with XXXX should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.

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 2017-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I had a HELOC with PNC Bank that was nearing the end of the drawdown period. It was interest only repayment loan. In XXXX, I asked loan officer XXXX XXXX to extend the drawdown period with same interest only payment. After not hearing back for 10 days, I went to the branch and found he was no longer employed. I asked for all my documents back, and they could not be found. Which is pretty concerning. I was contacted the next day by the manager, and found my request was sent to another LO XXXX XXXX. He never spoke to me or asked what I was looking to do ; only emailed me more requests for documents. Then in XXXX I found out my HELOC was refinanced into an interest and principal repayment loan. Not what I requested. I spoke with XXXX XXXX and XXXX XXXX, who are in the PNC Executive Client Relations Dept. I explained how my case was mishandled ; from losing all my documents, to no communication with the Loan Officer, to refinancing my loan into terms I did not request, and was told there is nothing they can do other than I try and refinance again. I am currently going through the process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XXXX XXXX, I made a payment to Ally Financial in the amount of {$900.00} because I fell behind in my car payments due to losing a job and just started a new job on XXXX/XXXX/2017. I explained my situation to the representative at the time. The week of XXXX/XXXX/2017, I received a phone call at work from my father in law stating Ally Financial called him in XXXX looking for me. I called Ally Financial and told them my situation and informed that I will be making my payment when I get paid. I do n't get paid till XXXX/XXXX/2017 because I just started my job and this will be the first pay cycle for me. I called Ally Financial and told them do not call anyone in my family looking for me and I was told that no problem and his number will be removed. 

I never gave Ally Financial my father in law phone number and they are using extreme secret practices to humiliate me with out allowing me to call back. On XXXX/XXXX/2017, I received while at work 6 calls back to back from a representative named Precious at Ally Financial bank on my cell phone. Before I can give her a call back when I get off work, she called my Supervisor at my brand new job at the XXXX University hospital and humiliated me because I did n't call her back soon enough ( I attached a copy of the email my Supervisor sent me ). When I called the representative Precious at Ally Financial and asked her how did she get my new job number which I did n't even know yet. She refused to I was told by her supervisor that are secret tools they use to locate people. I informed that that they are never to call no number to look for me except my home and cell number. This is the 2nd time I 've explained to Ally Financial they were violating my rights. It is threatening and scary knowing they are most likely illegally using methods to track me without my permission. They called my father in law as well as job looking for me and will not disclose where are they getting my information. 

I want the threats from Ally Financial to end. They act like I have no rights as a consumer and it is really scary my personal information is being used as a weapon against me. They are withholding methods and refuse to tell me if they are using google or what other searches putting my personal information such as social security, address and date of birth on the internet. They may even have someone following me. Please help me resolve this matter. I am afraid and really need assistance or to know my other options. No creditor should be able to get away with 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 2017-10-24 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: CO

Complaint narrative:
I sent transunion, XXXX and XXXX a certified letter advising that XXXX  XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my 2 CLOSED ACCTS with XXXX then knocking my credit score down 9 more points. This bankruptcy was filed XXXX/XXXX/XXXX and discharged XXXX/XXXX/XXXX. So to add that comment now after over 2 yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have 5 student loans when I consolidated into 1 in XXXX if XXXX. I have proof all 3 credit bureaus received my certified letters with signature required. And have done more damage now to my credit.

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 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
i have debt validation request with not response and i have told them repeatedly and that the account that they are reporting is fraud and i did not open them. Ashmer Collections will not comply with any of the XXXX laws and will not give me verifiable proff. I have told them several time the accounts are fraudulent and i get no response from them or put on hold

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation