vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: LA

Complaint narrative:
Request card closed on XX/XX/XXXX and  as of XX/XX/XXXX card has not been closed. Card is still accruing {$34.00} a month payment. Card was not used since XX/XX/XXXX. Card was dormant in use for XX/XX/XXXX, XX/XX/XXXX and then in XX/XX/XXXX card still was not closed and billings still arrived, first asking for {$56.00}, and now {$95.00} in collections which is black mark on my credit report. 

Why would it take that long to get a deposit from a secured credit card, more than 6 months has passed since my written request. Representative advised that I pay off th {$95.00} and then I will be able to get the entire {$300.00} which is the amount I originally secured this card with. 

Please advise a resoluaiton to this problem.

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 2018-01-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I would like this case looked at again, this is completely wrong what Bank of America has done. 

I had a Home Equity line of credit, with Bank of America, Loan XXXX as of XX/XX/XXXX they put me on a Balloon Modification program " trial period '' per the letter attached. IT states that the payments due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were the {$4400.00} due on XXXX of those months. Clearly as you can see in the copies of the cashed checks, all was paid each of those months on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- -- NOT LATE, I decided this loan payment was absurd and paid off the loan on XX/XX/XXXX, in full {$560000.00}!!!!! Clearly I am not going to accept their falsifying information on my credit score when it dropped from XXXX to the low XXXX OVER 100 points!!!! This has effected my future purchases since then!!! AND AGAIN, completely false. I have attached all the documentation again along with MORE proof on the XXXX CREDIT FILE XX/XX/XXXX CONFIRMATION # XXXX, ON PAGE 3 OF 6, SEE HIGHLIGHTED AREA WHERE SAYS AMOUNT PAST DUE AND SAYS {$0.00}. ON XX/XX/XXXX PAGE 4 SAYS SCHEDULED PAYMENT AMOUNT, {$1400.00}, ACUTAL PAYMENT AMOUNT ON SAME LINE {$4400.00} AND AMOUNT PAST DUE, XXXX!!!!! SAME FOR LINE XX/XX/XXXX AND XX/XX/XXXX!!! SO HOW CAN THEY FALSIFY INFORMATION AND SAY I WAS LATE FOR XX/XX/XXXX AND XX/XX/XXXX SEE ALL  ATTACHMENTS, I NEED THIS CORRECTED IMMEDIATELY I HAVE SPENT COUNTLESS HOURS ON THIS WITH FAXES AND PHONE CALLS TO BANK OF AMERICA WITH NO PREVAIL ... .I NEED THIS CORRECTED IMMEDIATELY PLEASE

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 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MD

Complaint narrative:
this is a fraudulent account att already gave me credit and cancelled the account do to fraud ... i have a letter from XXXX clearing me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: BANK OF THE WEST
State: OK

Complaint narrative:
This loan was paid in full in 2013. Acct. # was XXXX. It was never reported as paid in full or closed. Tried to call the bank but line is always busy.

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 2018-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: FL

Complaint narrative:
I received a loan from Higher Education with my parents as co-signers. 6months in XXXX ( I believe )! after I finished school my co-signers got a notice that I was late on my monthly payments and they needed to pay. I contacted Higher Ed and said i the primary ( living at the same address as my parents ) never received any notifications to start payment or how much my monthly payment would be. They said I know what I owe, so I should just pay it. i borrowed $ XXXX. It felt like they expected me to pay it upfront. Next month I never received any bill again but my parents received a second notice. I called, emailed, and hand wrote letters to them asking to please tell me what I owe monthly and to send ME the primary a bill. Again, they never did and their phone customer service wouldnt tell me again what I owed. I later got the first contact from them saying my loan was in default and being sent to a collections office. I felt like that wanted this to be the case so they would get a large sum upfront. The lawyer they sent the loan to was not willing to work with me. They told me to get a personal loan to pay the student loan off, or borrow $ XXXX from a friend. I was XXXXyr old I didnt have $ XXXX to pay upfront. Also told them If I had a friend that would lend me $ XXXX I would have never gotten a loan. I payed large sums of {$2500.00} and monthly payments of {$170.00} for 9 months with the verbal agreement they would contact the credit bureau to say I was making good on my loan and help my credit score a little. They never held up their end of the deal and in fact later said that is something they couldnt even do. I lost my job in XXXX and got XXXX shortly after. I couldnt afford to send my children to child care and my mother became XXXX, I had to declare bankruptcy, I currently live with my parents and take care of my mother and children. I contacted the lawyer recently and was told they would not allow me to make payments. They wanted a large sum to cover the loan. I could only afford to make {$50.00} a month and that wouldnt even cover the interest accrued every month. The lawyer asked why my father wouldnt send money since he is working and I explained he is the sole provider in a house of XXXX, there is no extra income he can give. I was told so hed rather pay other things instead of this collection I explained the mortgage is important, would you rather us default on the mortgage? I have other student loans with different companys as do my parents and we have never defaulted on any of them. Im at my wits ends. My credit is destroyed and my parents credits are affected as well. I dont know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC
State: VA

Complaint narrative:
The debt in question has been resolved with the help of CFPB under complaint number : XXXX. 

On X/XX/18 at approximately XXXX I, XXXX XXXX  spoke with XXXX XXXX XXXX XXXX XXXX XXXX with regard to client account number : XXXX and was informed that the debt was still owed. I tried to explain to XXXX that the debt has been resolved and I have communication stating that fact. XXXX refused to listen and say I owed the full amount in question. 

This is not true as you can see under my original complaint number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: AK

Complaint narrative:
I HAVE SEVERAL CHARGES ON MY VISA CARD THROUGH BANK OF AMERICA THAT I NEVER DID BUSINESS WITH AND NEVER AUTHORIZE ANY OF THESE TRANSACTIONS. I WILL LIST CHARGES AND DATES AND AMOUNTS AND COMPANY NAMES. I DID REACH OUT TO THE CREDIT CARD COMPANY WHEN ALL THIS HAPPEN BUT THEY SPOKE TO ME SO MEAN I COULDNT BELIEVE IT. THIS IS SENIOR CITIZEN ABUSE AND I WANT MY MONEY BACK. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX ALL ON MY OLD VISA CARD ENDING IN XXXX PLEASE HELP ME GET MY MONEY BACK

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 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION
State: FL

Complaint narrative:
Standard Mortgage Corporation XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, LA XXXX Original contact date was XXXX XXXX, XXXX to set up an arrangement to have house appraised to lift Private Mortgage Insurance should it appraise at a pre-determined amount. Early XX/XX/XXXX would have been the 2-year mark of ownership, allowing eligibility for the appraisal according to their terms. They said I was eligible for appraisal in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, 4 emails were sent and about 7 phone calls. All calls except for one were eventually routed to random voicemails, where several voicemails were left with no returns. One call on XX/XX/XXXX was received by Customer Service, whom routed me to an agent that again just landed on voicemail. 

Absolute and complete avoidance of me wanting to work on paying the needless, draining costs of PMI every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I paid off an auto loan with XXXX a couple years ago. XXXX XXXX XXXX has 2 late payments on my credit for that car when I was never late. I set up the payments to come out of my account. I had some trouble getting the payment to process and was assured by customer service reps the payment was made. The payments were always made. I contacted them via mail, over the phone and through the bureaus about the dispute but they refuse to remove this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I 'm filling a complaint because I have an XXXX XXXX account I did not open, it is a result of identity theft or fraud. my wife opened the account without my consent or knowledge and when I found out and asked her to give me the logins an passwords she created for the account to access the account she refused, and she set the account up to get paperless billing sent to her private email address witch she also refused to give me access to. I called XXXX XXXX and notified them of the identity theft by my wife and asked they close the account witch evidently they did not and are continuing to send letters saying my account is past due, And stating my credit score as reported by Experian has downgrade from XXXX to XXXX as result of pass due amount owed on this account witch I did open.

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 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Someone open an account using my name and personal information. I am a victim of identity theft. The account is with a company by the name of XXXX XXXX XXXX. I want this information removed from my file.

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 2018-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Trying to open an account in the app called XXXX and they need to connect to my TD account for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Last XX/XX/XXXX Walmart XXXX closed my account based on a payment taken from an account that was closed! I have never made a missed or late payment! There was a glitch in the system when I made a payment and it was sent back! Walmart has not as of yet assisted me in deleting this closed account from their system! In fact, this has impacted and negatively affected my credit report! Other lenders are viewing this report and are decreasing my credit because of this report! This is against the fair credit act! Please help!!!

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 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ABR Recovery Services LLC.
State: TX

Complaint narrative:
they keep saying its verified i do n't owe this company i have no contract with them

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 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Hello, This collection company is called XXXX XXXX XXXX XXXX and they are located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

They have shown up on my XXXX credit report. I attempted to contact this company via certified mail asking them to verify this " medical bill '' and show me proof that I owe them, I have also included my updated mailing address to ensure they have the right address to send me back any documents. They failed to respond to me. I contacted XXXX and disputed this collection account several times and everytime they said they couldn't take it off because of the collection agency. I contacted the doctor 's office that is listed on the account and they mailed me a document showing " XXXX   balance '' and that I don't owe anything. I disputed the item again with XXXX and attached the document showing I have a XXXX balance with the doctors office and I also included the letter and certified mail receipt showing I sent this to the collection agency. XXXX failed to take this account off my account and instead of listening to me they transferred to me to the collection agency who were very rude and ended up hanging up on me despite admitting they did get the letters from me. This collection agency is violating the law by putting something negative on my credit report despite proof that I owe nothing and even the amount they out there is different that the amount that was paid to the doctor 's office. 

This is the only negative thing on my credit reports and it is ruining my life. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX / Navient never calls to notify primary account holder of past due or issues with payments and calls my parents 10-20 times a day to get them to pay. I have deferment ongoing and if it falls off or renewal forms are lost/not received they will aggressively attempt to get payments from parents and I never know there is an issue with my deferment or forbearance until I hear that my parents have exhausted their bank accounts to get them to stop harassing them. 

I have attempted to resolve this with the BBB and they continued their practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX notes to XXXX that my account was in collections. On XX/XX/XXXX XXXX XXXX XXXX but my account in collection to XXXX. I have both companies listing the same debt I owe on my XXXX credit file. I believe that it should only be listed once. I called XXXX XXXX on XX/XX/XXXX at XXXX and they said when I pay the debt then both companies will remove it from my report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
I am currently in a real estate transaction for which my lender is required to verify my past two years of employment which included Stearns Lending. This request was initially submitted to Stearns Lending on X/X/18 by my current lender. Their request has been ignored and I personally have attempted to contact via telephone and email the company, however ; my calls have not been returned nor have I received an email response. 
The lack of receiving the Verification of Employment is holding up the close of escrow, and thereby costing me 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 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Credit Service, Inc.
State: AZ

Complaint narrative:
I have received 2 calls today from a debt recovery company in Illinois. There phone # is ( XXXX ) XXXX 1st cal to me was at XXXX XXXX Az time, 2nd call at XXXX XXXX  Az time. Asked for XXXX XXXX, I asked who they were with. 1st call refused to tell me, I said I'm confident you have the wrong person, he was beligerent and I asked why are you so hateful. He made a desparaging comment that I could not understand. I asked him to repeat and he hung up. He was a XXXX male. 2nd call was a XXXX female, she asked the same questions, I told her my dob and it didn't match nor did the social security # she had. I said you have the wrong person, please stop calling me, with that she unloaded on me calling me every name in the book and frankly I didn't understand a lot that she said. Then she called me an XXXX. Remember, I said nothing bu that she had the wrong person and to please stop calling. I then asked her, " did you call me XXXX ''? She said yes and continued with her vulgarity, I told her I was going to report them. She said go ahead and continued her belligerent tirade and then hung up. I am XXXX and I don't need this type of treatment from anyone. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMA Credit Association
State: TX

Complaint narrative:
i dont owe this company hippa violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
This dispute involves XXXX XXXX and their collection subsidiary GC Services Limited Partnership. I entered into a payment plan with GC Services Limited Partnership to reduce my interest rate, waive late fees, and pay off my debt. I was told it was a 27 month program where I paid {$200.00} per month which would cover my balance. At the time of this arrangement I had a past due amount owed. I was told that the past due amount was rolled into the balance and that the payments would cover the past due amount as well as the remaining balance. I checked my credit report however to find that since the arrangement in XX/XX/XXXX, I have still been receiving late payment reports on my credit report each and every month even though payments have been made each month. I was also told that the program of reduced interest and waived fees only in fact lasts 12 months, not the 27 months I was promised when I agreed to the payment arrangement. None of my {$200.00} payments had gone toward the past due amount. ( i 've paid {$1200.00} so far ) the past due amount was {$700.00} approximately so it should be paid at this point. Now I just get passed back and forth between XXXX and this collection service and no one can help me.

Company response to consumer: Closed with explanation