vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: OH

Complaint narrative:
XXXX XXXX added additional fraudulent charges on to my account in XXXX. After I graduated from XXXX XXXX University, my total principal balance was only {$48000.00} ( Federal Perkins loan : {$1900.00} ( which should have been paid in full ), Direct Stafford Subsidized Loans : {$18000.00}, and Direct Stafford Unsubsidized Loans : {$28000.00} ) before I consolidated my loans. XXXX or XXXX XXXX added two dollar amounts of {$40000.00} and {$19000.00}. This increase my total principal balance to be {$140000.00}. My principal balance should have been {$84000.00}, instead of {$140000.00}. In addition, XXXX XXXX charged me {$190.00} to consolidate my loans, which is also illegal. The struggle to pay on this fraudulent balance has caused me emotional and physical stress. Great Lakes should have caught this error. I am requesting that you all forgive the whole total balance due to XXXX and XXXX XXXX 's fraudulent activity and Great Lakes ' failure to catch this error and correct the error. In addition, I was not in school during XXXX. I graduated from XXXX XXXX University in XXXX and did not attend XXXX  XXXX University until XXXX. Please see the attached file for documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: EQUIFAX, INC.
State: DE

Complaint narrative:
My credit was pulled by XXXX XXXX back on XX/XX/XXXX ( unbeknownst to me ) by XXXX XXXX XXXX  with all ( 3 ) credit bureaus. I emailed the mortgage company contact back on XX/XX/XXXX to get the inquiry removed. We've gone back and forth about the issue, but the contact at the mortgage company advised that he would request for the hard pull to be removed with all ( 3 ) credit bureaus. I don't know if it has been him dragging his feet or if it is indeed XXXX XXXX giving him the run around. In our most recent email correspondence ( dated XXXX XXXX ), he forwarded me an email from Equifax stating that they have been back up but it typically takes 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: VA

Complaint narrative:
I have made a claim regarding a disputed transaction. 

The entire process so far has been mired with ADA ( Americans with Disability Act ) discrimination and discrimination based on religion & national origin. 

This is how Bank of America is choosing to drive away a " Platinum Tier '' customer over a {$45.00} credit card dispute. 

This is how the ordeal started.. 
On XX/XX/19 I attempted to buy an online membership for the AAC. The website form crashed as a pressed " Submit ''. The AAC has no record of the transaction but my card was still billed. This is why the Fair Credit Billing Act ( FCBA ) exists. 

After filing an online dispute, I revived a letter that has the wrong account number - I do not have an account with that number and worse of all it has a name that i worked with bank of america multiple times to change. 
I had previously submitted a CFPB complaint and worked with the bank to change my name as they " refused '' to use, y XXXX/XXXX   name, only after complaining to the CFPB for discrimination based on religion/national origin did Bank of America was willing to change it. 
And guess what? for some reason the correspondence that carried the account number I don't have used the number that took multiple attempts to change. Is Bank of America antisemitic? 

When I complained about how this process is being handled, the person that was assigned to this case had an unclear accent and I could barely communicated with her. Due to hearing loss ( military service related - long term exposure to explosions and gunfire ) I asked that this case would be moved or escalated to somebody else and was refused - in clear violation of the ADA. Despite multiple requests, that case has not moved to a different agent. 
That rude, person at BofA was " XXXX '' at XXXXXXXX   Extension XXXX. 

How bad can a bank treat a customer?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This account has passed it's statue of limitations and should no longer be reporting 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 2018-07-30 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: OR

Complaint narrative:
I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. I sent this company my dispute and my identity theft report on XX/XX/XXXX and XX/XX/XXXX but to my surprise this company have not removed the fraudulent inquiries from my credit report within the 4 days as required by law. Again this inquiries are fraudulently reporting on my report, please delete asap : XXXX pulled last XX/XX/XXXX XXXX/ XXXX pulled last XX/XX/XXXX This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information.

I have enclosed a copy of my Identity Theft Report and My Previous dispute to the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I reached out to them about the wrong information reporting on XX/XX/XXXX via certified mail. They received on XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to hear back from the company.The FCRA gives the company 30 days to respond. I have not gotten a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I called the customer service number XXXX XXXX XXXX XXXX on the back of the credit card and spoke to a customer service representative named XXXX at XXXX XXXX. on Monday, XX/XX/XXXX. I informed her that I did not request a credit card and I wanted to make sure there was no account in my name. She asked for the credit card number, which I gave her. She then asked for the last 4 numbers of my social security number, which I did not give her. She said that she could not close the account without that information. Since I never opened an account, there should not even be an account associated with my name. 

I received a second unsolicited communication from XXXX XXXX today ( dated XXXX XX/XX/2018 ) providing additional encouragement to use this card, which I did not request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: MN

Complaint narrative:
I contacted Ad Astra, a collection agency based out of Kansas who was been reporting I owe them {$650.00} from a XXXX  payday loan from XXXX. I contacted them in XX/XX/XXXX in which they offered me a settlement of {$500.00} on the debt for {$650.00}, I do not recall them saying anything about it expiring. 
I contacted them again in XXXX of XXXX in which they still had that settlement available for {$500.00}. The representative incorrectly disclosed the existing debt to what would be an unverified 3rd party  on the inbound call, which violates FDCPA. 
I called them again last week and asked to pay the {$500.00} settlement, and now they refuse to take it, stating that it expired and now I can only pay the {$650.00}. I asked to speak to a supervisor and received the run around by the rep who was apparently passing messages from myself to her supervisor, and back through to me about why she's not going to take the call. ( This is unprofessional ). 
I ask to speak to the Director of Operations or the director of the floor and was told that there was only one manager in, and it was XXXX. After alot of begging XXXX did finally take the call and refused the {$500.00} payment of the settlement I was offering to pay today. I advised her that one of the reps there committed 3rd party disclosure on the call in XXXX and although she said she can review the call, she did not seem to care much. Ad Astra never advised me of the settlement expiring and I feel that as soon as I was ready to pay, they took it away and want the full balance now. 

I request that the CFPB does an independent audit at Ad Astra,  reviewing every settlement call they have ever had to see if in fact they do or do not expire, and if they have ever accepted a settlement from a consumer after it allegedly " expired. '' I feel that that the {$500.00} COULD still be taken, but they are instead attempting to take advantage of an unemployed consumer to get more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
I had a {$5000.00} promissory note assigned to me in the short sale of my condo back in XXXX. Dyck O'Neal was the debt collector in charge of servicing my note. From the beginning, communication was poor. I began paying on my promissory note In XXXX of XXXX. I set up an autopay and each month, from XXXX of XXXX through XXXX of XXXX, Dyck O'Neal was paid the agreed upon monthly amount. In XXXX of XXXX, I began receiving late payment notifications in the mail, which confused me since I was on autopay. When I called Dyck O'Neal and inquired, they told me my account was fine and my monthly payment had been received. I continued to sporadically receive late payment notifications, and another time when I called, I was told my loan needed to be modified and they would send me the paperwork. Twice, I never received the paperwork they said they sent. So even though I paid Dyck O'Neal every single month, my account was in default. They never once told me this would affect my credit, and that my account was showing late payments month after month on my credit report. Whenever Dyck O'Neal would try and contact me, it was during working hours, and they would never leave messages. I finally did modify my account this year and ultimately paid the remainder off just to be done with them. I am extremely upset that my credit has been destroyed due to their lack of communication and mixed messages that I was told over the past 5 years. I never missed a month in payments, and I don't believe my credit should be impacted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Company was contacted on XX/XX/18 about debt via certified mail. Company received notification on XX/XX/18. It is now XX/XX/18 and I have not heard back from the company yet wrong information is being reported.The FCRA gives the company 30 days to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
On or around XX/XX/2018 I received a phone call from an individual claiming to be a representative of XXXX XXXX XXXX XXXX claiming I owed them {$1000.00}. I stated that I hadnt received any written communication in reference to the alleged debt they claimed I owed and stated that I had no intention of communicating with them via telephone and to put everything in writing. I received a letter dated XX/XX/2018 stating I have a past due balance of {$1000.00} and the creditor is XXXX XXXX. Account # XXXX. 
Lets make something perfectly clear. I OWE XXXX XXXX XXXX XXXX NOTHING. Ive never heard of them or done business with them. They continue to harass me on a daily basis, calling for fake local exchanges to mask there identy. As I stated I politely asked them to cease and desist telephone communication with me but they have blatantly violated my request. I owe these parasites nothing. They havent provided me any documentation that suggests that they are a legitimate company and not some SCAMMERS out to rip off an unsuspecting person like myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
In early XXXX we received a statement showing a payoff amount and due date of XX/XX/18. Regions bank proceeded, with no notice to us, with reporting a 60 day late report on an amount that was included in the payoff statement that gave us a due date of XX/XX/18. They reported to the credit bureau without notification except for another payoff statement sent out in early XXXX, again showing a due date of XX/XX/18 for the total amounts including late payment amounts. 
This payoff information was misleading regarding the payoff due date and amount. See attachment for a full account of what has transpired. 
Thank you! 
M

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
We owe no debt but have been getting robocalls attempting to collect debt from ( no name provided ) at my cell phone number. I cant report them to the FTC because apparently anyone pretending to be collecting a debt doesnt have to abide by the Do Not Call list, even if the debt is imaginary. The call on XX/XX/XXXX at XXXX came from XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: MN

Complaint narrative:
I contacted XXXX XXXX, a collection agency based out of Kansas who was been reporting I owe them {$650.00} from a SpeedCash payday loan from XXXX. I contacted them in XX/XX/XXXX in which they offered me a settlement of {$500.00} on the debt for {$650.00}, I do not recall them saying anything about it expiring. 
I contacted them again in XXXX of XXXX in which they still had that settlement available for {$500.00}. The representative incorrectly disclosed the existing debt to what would be an unverified 3rd party on the inbound call, which violates FDCPA. 
I called them again last week and asked to pay the {$500.00} settlement, and now they refuse to take it, stating that it expired and now I can only pay the {$650.00}. I asked to speak to a supervisor and received the run around by the rep who was apparently passing messages from myself to her supervisor, and back through to me about why she's not going to take the call. ( This is unprofessional ). 
I ask to speak to the Director of Operations or the director of the floor and was told that there was only one manager in, and it was XXXX. After alot of begging XXXX did finally take the call and refused the {$500.00} payment of the settlement I was offering to pay today. I advised her that one of the reps there committed 3rd party disclosure on the call in XXXX and although she said she can review the call, she did not seem to care much. XXXX XXXX never advised me of the settlement expiring and I feel that as soon as I was ready to pay, they took it away and want the full balance now. 

I request that the CFPB does an independent audit at XXXX XXXX, reviewing every settlement call they have ever had to see if in fact they do or do not expire, and if they have ever accepted a settlement from a consumer after it allegedly " expired. '' I feel that that the {$500.00} COULD still be taken, but they are instead attempting to take advantage of an unemployed consumer to get more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bryant, Hodge & Associates LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I received an email to my corporate email regarding a unknown debt and an attempt to collect this debt. When I return their phone called, I made them aware that I did not own this debt and they continued to harass me and tell me I owed the money without verifying you the original debt holder was. They have the last 4 of my SS # and my work email address, which any one can buy on the internet. 
I have also received several phone calls and text messages from multiple numbers. 
They are alleging I owe {$750.00} to a company names XXXX XXXX. They can not or will not supply me with more information than that. I have never heard of and I have never borrowed money from XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am the Borrower, XXXX XXXX XXXX. I reside in XXXX XXXX, Texas. 

In XXXX of XXXX, my business and affiliate self-employed business shut down. Within a few days of this hardship event, I contacted the lender of my mortgage ( as I thought to be at the time holding my Note and Mortgage ), XXXXXXXX XXXX XXXX XXXX with Loan # XXXX ), and further advised that my income had been severely diminished ( for a short period ). XXXX XXXX XXXX XXXX   representative received my application on or about XXXX XXXX and denied my application in less than 5 days from submission. Further, this lender ( their servicer ) never EVER responded to my formal QWR certified and mailed months ago. This is a federal violation of law. As importantly, I had been requesting a modification for many months between on or about XX/XX/XXXX and XXXX of XXXX, with no response from my servicer of the lender, US Bank.

12 U.S. Code 5219a provides that a borrower such as me has remedy rights and federal and state statute proper recourse to pursue a merit/income decreased based loan modification under certain circumstances, that I qualify for, by which my servicer and lender unequivocally did not comply with federal ( RESPA, Regulation Z & X ) and state guidelines under Mortgage Foreclosure law. Further, this lender and servicer is comfortable violating federal and state laws, as they feel I have no recourse nor a credible enforcement agency to seek equity or justice, based on the XXXX Administration. I disagree. There are over 40,000 government employees committed to the injustices pressed down upon good law abiding citizens by money-funded private bankers who never seek a voice to be heard by a homeowner, such as me. 

I seek a formal complaint against XXXXXXXX XXXX XXXX XXXX and will pursue every legal remedy to obtain justice and equity and fairness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This started XX/XX/XXXX whereas my cell phone started receiving repeated automated calls throughout the day with different recordings such as " please call Khols department store at .... '' The calls are coming from 3 to 4 different numbers ; XXXX, XXXX, XXXX. I have called the numbers back, but unable to reach a live person. They ask that I leave a message, but then the line disconnects. I did call the number left on some of the messages, XXXX, and advised them of receiving calls and that I do not have a Khols credit card, nor have I had one in the past. I asked that they remove my number from their system. All my accounts/credit cards are current and I also do not see any suspicious activity on my credit report. I was advised from this company that they too do not show me as having any account with them. I was unable to gain a name of their company and any affiliation with Khols department stores. I have blocked those numbers thru my cell phone company. However today I did receive another call from XXXX. Also important to note that my cell phone is used for business and has been listed on the nation do not call registry since XXXX. This is becoming an issue of harassment at the least. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I reached out to them on XX/XX/18 about incorrectly reported information via certified mail the information was received on XX/XX/18. It is now XX/XX/18 and I have not heard back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company response to consumer: Closed with explanation