vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently received a letter from the IRS stating that there has been a change in my XXXX taxes due to Bank of America reporting a cancellation of debt. This came as a complete surprise because I had never received any notice or 1099C regarding this matter and the debt was written off ( not on my credit reports ) many years earlier. 
History : BOA repossessed our boat in approximately late XXXX even though payments had not lapsed 60 days. We lost everything during the crash and used all of our savings, etc. to try and keep current with bills, even though we were advised to claim bankruptcy. I had called BOA to ask for arrangements because of our situation. Their response was a flat no and the boat was picked up soon after that call. In addition, they kept all my personal belongings left inside the boat. 
Today, I just spent almost 2 hours on the phone with BOA trying to get some proof of this charge off reported to the IRS of {$18000.00}. I was transferred thru five phone numbers and disconnected twice, and no one could supply me with information. I was able to find someone to send me a copy of the 1099C from XXXX, and another person read me a letter that BOA mailed to me in XXXX that offered a settlement of approx. {$16000.00}. However ; he claimed it was in PDF form and there was no way he could get a copy to me. I feel that if BOA can cancel a debt six years after  the fact, they should be well prepared to supply the paperwork to back it up. Again, this debt has not been on my credit for many years. I feel the amount has been inflated and erroneous.

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 2020-03-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched transactions XXXX XXXX see attatched transactions XX/XX/XXXX. Duplicate charges are XX/XX/XXXX, {$340.00} XX/XX/XXXX ALL XXXX are charges from XX/XX/XXXX TOTAL {$470.00}. All XXXX Transactions are ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX. XX/XX/XXXX statement ( MERCHANTS PAID {$340.00} XX/XX/XXXX back on card XX/XX/XXXX as New Purchases ) THERE ARE NO CREDITS FROM USAA. All these are duplicate charges. XX/XX/XXXX AND XX/XX/XXXX TOTAL {$810.00} ON CARD 2Xs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Collection agency continues to call me on my cell phone. When I answered they immediately have a recording and then someone picks up. When I asked them to identify themselves they told me the name of the company was Collection Serv. I asked why they were calling me, they told me they were calling me on behalf of a client. I asked what client, they said XXXX XXXX XXXX. I asked why they were calling me. They began by asking me to verify my ssn #, I refused. They asked me to verify my address, I refused. They told me that I owed their client. And I told them I did not know what this was about and I owed XXXX  nothing. I asked them to stop calling me. I hung up. 2 hrs later I get another call, same person calling me harassing me once again. Finally I called the number back and faxed over a Cease and Desist letter to the fax number they gave me. Next day I get another call. When I told them I faxed over the Cease and Desist they laughed and hung up on me. I do not know who  this company is but I do not like being harassed for something I know nothing about. The next month I see something on my credit report, I dispute it and tell them to send me documents that this is my debt. They refused. And as of today I still have not received anything from this agency but constant calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
some one forged a personal check from my account form santander Bank for {$800.00} and three weeks later some one tried to cash a {$1200.00} from my check and on XX/XX/2020 i got a call from the bank saying that some one in a different state tried to take money out of my new account with a fake passport. i filed three police reports one for every incident.

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 2020-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
The latest phone call was made on XX/XX/2020. I was asked to give the last four of my social which I refused due to my personal information being stolen.The representative proceeded by saying well I can confirm by your date of birth which she did. The representative stated that I owe {$35.00} for a medical bill from XXXX  hospital and I could pay with a credit card.I simply asked could she send me a copy of the bill because to my knowledge I just paid the last bill that I saw on my credit report. The representative said no I can not have a copy of the bill and I should've paid it by now. I told her I wasn't paying a bill I know nothing about. She proceeded to say well you just paid {$25.00} to us a few weeks ago so you have knowledge of this company. I stated I only knew of the {$25.00} because it was on my credit report and I contacted XXXX  XXXX XXXX hospital and the info for this {$25.00} bill was the only amount given to me. The representative was adamant about not giving me any additional information. I asked again for a copy of the bill and she denied my request again and said it was going to be reported to the credit bureau. The conversation was not moving forward so I decided to end the call. I called back a few minutes later and asked to speak to a supervisor, I was told I was speaking with a supervisor. I was once again denied information so I ended the call with no resolve. The representatives were very unprofessional and rude. I wanted the information to verify that the bill belong to me and if so I would have no problem paying 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 2020-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX Credit Card offered an 18-month free interest rate. I took advantage of this offer on XX/XX/2018 and made my payments on time according to my statements. 
After completing my last payment in accordance to my online statement. The company added the full deferred interest of {$930.00} plus a late fee. 
After singing up for the card I joined online statements. I logged into the portal every month and made payments in accordance to the site. 
I called the customer service team to report the issue and I got no help was so ever. The team was unprofessional and told me I needed to pay 6 days prior to the indicated date in my statement. 
This practice from my perspective is deceiving and show no value from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Someone has stolen my identity opened up accounts in my name. They are opening accounts in fake names I need help to get this resolved.

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 2020-03-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Someone has stolen my identity opened up accounts in my name. They are opening accounts in fake names I need help to get this resolved.

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 2020-03-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Someone has stolen my identity opened up accounts in my name. They are opening accounts in fake names I need help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
I went online, to my Account, to see what the payoff amount was, on XX/XX/20, the early payoff was {$820.00}. I waited to check my account or call the company, to give my payment enough time to process. After I didn't hear anything, from them, I went back online, to check my payment, and it showed up. But it was still showing a balance, so I called the company, Sunday XX/XX/XXXX, I spoke to a representative, he stated he didn't see my payment, I said it's showing up on my online account, then he proceeded to say oh I see it. I asked why is there still showing a balance of, {$300.00} in the early payoff and showing scheduled payments, of XXXX. The rep stated that the XXXX is what I owed, so I asked him, if on XX/XX/20, the payment was {$820.00}, and that's what I paid, why is it a balance, he couldn't explain that to me, so he placed me on a long hold and came back and said, what we will do is refund your {$820.00}, to readjust your account, them get the {$820.00} back, I said no, that don't make sense. He said it should still be the XXXX something, after we adjust your account, I said no, you will keep my payment and close this account out, he kept trying to tell me they will refund, the money, I said no, you will keep the money and close the account, and if you all try to debit my account again I will take y'all to court, on XX/XX/2020, they tried to take the {$78.00}, that caused my account to be charged a {$35.00} Insufficient Funds fee, I called my bank to block them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: SC

Complaint narrative:
This company continues to refuse to provide verification of their debt allegations. They state they sent identity theft verification packets. I have never received any identity theft packets from them. I have repeatedly written and called saying I know of nothing that supports their allegations that I owe them anything. Further upon speaking to them on recorded line they stated to me this record of my date of birth, this was incorrect.All three credit agencies are reporting my identity theft yet this organization refuses to acknowledge this and provide me with their verification.This is not my debt.The continue to illegally report derogatory marks upon my credit having NEVER verified nor provided to me what has been asked of them to compliantly do as was stated to them by FCRA Rules and regulations.This has been asked of them to do since XXXX and we are now in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. 

Experian, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. XXXX XXXX XXXX still showing on credit report even though it is told old to be reported.

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 2020-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts are fraudulent accounts : XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$430.00} XXXX  XXXX  XX/XX/XXXX {$750.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/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 2020-03-11 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: TN

Complaint narrative:
Equifax, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. 

XXXX, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. XXXX XXXX XXXX  still showing on credit report even though it is told old to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called chase auto finance to make a payment on time ( with in my 10day grace period ). i can verify that call throught XXXX XXXX call logs. 

With out any notification from chase it was brought to my attention that my payment was late and passed the 30 day mark, which then dropped my credit score disqualifying me from a home loan. 

I called chase to see what went wrong and the first lady i spoke to told me that there was an attempt to make the payment but it was not processed. i had more than enough funds to cover that payment. As i start to dispute their claim, their story changed and they said they have no record of me calling them on XX/XX/XXXX. 

I send them my call logs that came from XXXX  to show that i called to make the payment. 

Chase decided to stand by their decision to not change the late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are fraudulent accounts : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX  XX/XX/XXXX {$750.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: U.S. BANCORP
State: MI

Complaint narrative:
Elan Financial Services shows i have account open on my credit report ( see attached ) which is completely wrong and incorrect. This account has been closed for years and years. i just checked my credit report and i noticed this incorrect reporting by Elan Financial, which violates the fair credit reporting act.  furthermore, the remarks are also incorrect and it is also showing i was late 30 days which is not correct. 

I ask the Consumer Financial Protection Bureau ( CFPB ) to address this matter to the fullest extent of the law, plus I will be filing other complaints with the state of Michigan attorney general office and the FCC if this is not addressed and correct immediately. 

these accounts must reflect status as closed, with {$0.00} balance, and not past due, as This is wrong and it must be corrected with all credit bureaus including XXXX, XXXX, and XXXX. 

Regards, 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 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: CA

Complaint narrative:
We were assured that we could apply for a loan and that the application process would be simple. The mortgage company misled us and requested voluminous documents without disclosing that the application process would be extremely burdensome. I complained multiple times to the mortgage company, but they have deferred to their underwriter who keeps creating new requests. These delays are going to cause us to incur a late payment penalty with our current mortgage because we believed the mortgage company was that a decision would be made after we complied with prior requests for documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Cash App has no customer service #. My phone was stolen on XX/XX/2020. The culprit asked Cash App for a Code to change my cash app PIN & stole money {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm trying to buy a house and the information that my credit is reporting unknown to me it's all health information which is also illegal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
On XX/XX/2020, after submitting an inquiry request online, a mortgage lender from AmeriSave Mortgage Corporation called me to discuss refinance options. I was quoted a rate of 2.875 % over 15 years with {$3600.00} in closing costs to refinance my {$97000.00} mortgage. I explained to him that, with my present 3.5 % 30-year mortgage ( 23.5 years left ),  this would not make sense. 

He then proceeded to tell me that I would save about {$40000.00} by refinancing. I calculated it in XXXX and and told him that I would only save {$850.00} in payments paying over 15 years ( I could pay {$690.00} over 180 months to pay off my current mortgage, while my payment with closing costs bundled in the new mortgage would be {$680.00}, a difference of {$4.00} or {$850.00} in nominal terms ). Even looking at the life of loan payment total for my remaining existing mortgage vs. the refinance being offered, I would only save {$18000.00} in nominal dollars ( and that's paying my current mortgage over the remaining 23.5 years vs. paying the refinance in 15 years ). 

In addition to belittling me and telling me that I should trust him since he's the loan officer and I'm the consumer ( even though I'm a former XXXXXXXX with an inactive XXXX license  and current XXXX XXXXXXXX XXXX at a XXXX   XXXX XXXX with nearly 13 years of total professional experience ), he was flat our wrong and overstated my true saving by more than 40x what it would be! My concern is that he could deceive those who are not as financially savvy into refinancing based upon falsely-calculated savings in an effort to increase his closing rate.

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