vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Account ending in # XXXX was closed w/ XXXX balance in XX/XX/XXXX with Bank of America credit card . I closed my email account with XXXX and destroyed the said credit card. I received emails stating that I owed a balance on my new email account with XXXX. I tried to respond but the email from BOA was returned undeliverable. I finally received a bill from BOA to my physical address om XX/XX/XXXX stating that I owed BOA {$9.00} in overdue payment. I mailed a check for that amount that same day. Today, XX/XX/XXXX I received my dispute report from XXXX  XXXX   stating that I am overdue in payments to BOA and the fee is now {$10.00}. This dispute could have been resolved in XX/XX/XXXX if BOA would have sent a bill to my physical address instead of online.

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 2018-03-19 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/2018, I received a letter from BOA indicating my {$25000.00} credit line was being reduced to {$14000.00}. 

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether BOA states in their letter they have nothing to do with FICO, their actions do! 

In our attempt to pay down our balances, we moved ours to BOA because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX children. 

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed BOA account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX on the enclosed docs. I have personally been the XXXX to my mom with XXXX for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.

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 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
Dear Financial Services Manager,  XXXX XXXX : I am writing this letter in extreme frustration. This comes from the continuous and ongoing requests I have made to receive my credit balance on my PayPal Mastercard. I made two transactions in XX/XX/XXXX towards my overall balance, resulting in a credit balance of {$250.00}. On XX/XX/XXXX, I made my first request to receive my money via a telephone call. I was told it would take 5-7 days to issue. My second contact was on. XX/XX/XXXX via your chat option on the website. I did a screenshot of the entire conversation for documentation. I was told that the check had been issued on  XX/XX/XXXX and that it would have to go through a cancellation and then a new one would be issued. Again, nothing happened. My third and last request to receive my money was on XX/XX/XXXX via telephone call to a supervisor named XXXX. She assured me that nothing had been done from my last request and that she would take care of it. She said that the cancellation would take the remainder of that week and the new check would be sent out the following week ( that would be the week of XX/XX/XXXX ). Two weeks, fourteen days, have passed since that last request. 

If this {$250.00} was an amount I owed and I didnt make my payment for two monthly cycles I would owe compounded interest and penalty fees amounting to at least an additional {$120.00}. My next step is to take legal action which will then result in additional compensation for all of my time, my legal fees, and compounded interest and penalty fees. I also will be filing with the XXXX XXXX XXXX and posting to media wildly to warn other customers of your extremely bad consumer practices. 

As you can tell I am extremely frustrated. I dont care if this was {$1.00}, it is MY MONEY and you are REFUSING to REFUND MY MONEY. I am, for the last time, making an official request for you 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 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
I have a re-finance home mortgage through XXXX XXXX XXXX ( henceforth known as XXXX ). It was set-up with an escrow account for home owners insurance as well as property taxes. 

XX/XX/XXXX I received an overdue tax statement from my township stating my winter property taxes were overdue. 

That evening we first contacted XXXX and then promptly followed the instructions in trying to get the delinquent tax notice paid. All information required was provided multiple times via e-mail and fax ( pictures, .pdf, etc ). 

My wife handled the situation until XX/XX/XXXX when I took over because the stress was too much for her to handle with her XXXX struggles. Number of phone calls between XX/XX/XXXX and XX/XX/XXXX is >4 but unknown to me. 

XX/XX/XXXX at XXXX XXXX EST : Spoke with Customer Service Rep and supervisor. Confirmed fax # and information re-requested was received. Feedback was requested by COB. No feedback. 

XX/XX/XXXX at XXXX XXXX EST : Confirmed with local township taxing authority that tax bill was indeed submitted to XXXX. Local tax authority informed me that the issue was handed to the county on XX/XX/XXXX due to the closing of the books. Township also submitted a formal inquiry to try to help me with resolving the issue. 

XX/XX/XXXX at XXXX XXXX EST : Follow-up phone call with a different supervisor. Feedback was issue would be resolved by XX/XX/XXXX after amount due and legal description were clarified by taxing authority. Phone call to be received within 5 business days max ( most likely 3 ). 

XX/XX/XXXX : E-mail from township informing me that inquiry was received by service agent of XXXX. Township clarified reconciliation needed to be complete with county and that it was in settlement. 

XX/XX/XXXX : Phone call received by my wife from customer service rep stating issue was still being worked on. She asked them to contact me as I am the primary phone number and have taken over the issue to see it resolved. 

XX/XX/XXXX at XXXX XXXX EST : Follow-up phone call with customer service rep and supervisor. Internal inquire supposedly submitted again within XXXX. Feedback requested by end of day. 

XX/XX/XXXX at XXXX XXXX EST : No feedback received. Follow-up phone call initiated requesting support of not only super visor but also next level up manager due to lack of resolution thus far. Confirmed last notes on account was from phone call earlier in the day. No action or feedback other than they are working on it. Manager assured next action would be completed by XX/XX/XXXX. 

Based on previous commitments, expectations of resolution are low by the time the county takes next action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I'm a XXXX XXXX XXXX XXXX XXXX Veteran, for sometime now Wells Fargo has altered records, lied on records, destroyed records, discriminated and committed Fraud. 

They have made false statements, submitted false Credit Reporting information causing me much harm, they have DISCRIMINATED AGAINST ME, VIOLATED MY CIVIL RIGHTS AND MORE. 

There response is to delay, delay and cover up there ongoing fraud. Just today one of there many boiler room offices told me that " Do Not expect to ever get a Honest Answer ''

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 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged a minimum interest fee of {$1.00} in XX/XX/XXXX, but there was no balance subject to interest ( per the creditor 's own billing statement from XX/XX/XXXX - the creditor is Bank of America ). I carry a balance on this credit card from a 0 % balance transfer. I believe the reditor has, at best, a system problem and for me it is unfair and incorrect to attempt to bill me that minimum interest fee. 

I spoke with their customer service center manager on XX/XX/XXXX, who informed me this was interest in arrears from the former billing cycle. However, the billing statement where I was charged was in XX/XX/XXXX ( {$0.00} from an annual fee of {$79.00} on the account and which had no grace period for interest accrual since I carried a balance ), payable in XX/XX/XXXX.  In early XX/XX/XXXX I made a payment far in excess of the minimum due plus any amount that might have still remained on the annual fee and the {$0.00} interest on that. This payment was reflect as paid when the creditor issued the XX/XX/XXXX billing statement. That XX/XX/XXXX statement itself showed NO AMOUNTS OR BALANCE SUBJECT TO INTEREST. 

If not a violation of Regulation Z or UDAAP, it is at least misleading and confusing. I will also I have had the same scenario with other creditors ( 0 % balance transfer offer in place when an annual fee cycles on the account ) and have never experienced 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 monetary relief
Consumer complaint received 2018-03-19 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: CA

Complaint narrative:
XXXX charged me {$390.00} on a Bank of America credit card for a service I did not want to renew from 3 years ago and did not authorize. When I complained about it, they refunded {$380.00}, which leaves a {$11.00} charge. 

If I could freeze my credit card, I would have done that years ago. I'm astounded BoA allowed this charge to go through. 

I closed my complaint with Bank of America when XXXX agreed to refund me, but I haven't been able to reach out after realizing they are not refunding me the full amount.

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 2018-03-19 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: TN

Complaint narrative:
I am a victim of identity theft. I have filed identity theft report and sent to Experian and Creditor. The Creditor sold the account to collection agency, that company is not reporting on credit bureau. The Creditor states that it is my account and I am telling them that the account was open fraudently. If this matter is not resolved I will be forced to file a lawsuit against both Creditor and Credit Bureau. I want signature on the account and the original application.

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 2018-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: CA

Complaint narrative:
None of the options related to my situation but it is an illegal communication tactic that I wish to report. 
I am reporting an abusive, deceptive, and unfair debt collection tactic practiced by XXXX XXXX. According to what I have read and understand under The Fair Debt Collection Practices Act Debt Collectors can not contact you through your work email. On XX/XX/2018 this is what I received in my Real Estate work email. See below. I feel this to be deceptive and harassment.

From : XXXX XXXX XXXX Email : XXXX Home Phone : XXXX-XXXX-XXXX BuyerSeller Just Looking Doesn't want mortgage pre-approval Not working with an agent About This Contact Interested In : All Types 0 bd, 0 baths Contact Profile : BuyerSeller Just Looking Doesn't need mortgage pre-approval Not working with an agent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have been trying to make a payment for past two weeks they refused to take one very rude demanding full amount. I asked to defer a payment back in XX/XX/XXXX due to all the repairs that were now needed on my XXXX XXXX. Wells Fargo said yes mailed out the paperwork told me to fax it back which I did. My vehicle was in an accident the week before XXXX I had to pay {$1000.00} deductible towards the repair. In XX/XX/XXXX when I called to make XX/XX/XXXX payment they told me my truck was out for repo that I was 120 days late. Customer Service Agent refused a payment until I threatened to file a complaint told her I had returned my deferment she said too bad that I had not. I had to fight to get a manager. Than my car engine caught on Fire a week later the alternator was ruined and so was the entire electrical system. I opened a claim with XXXX called Wells Fargo to say I had to hold off on my scheduled payment until the mechanic knew if the car was totaled or could be repaired. My case manger screamed at me that I still had to PAY even though I told her it would be covered under the insurance policy if it was totaled and that XXXX said entire loan would be paid. I finally got my truck back 14 days later it cost {$980.00} for new wiring & a rebuilt Alternator but my oil tank was still leaking and the transmission is mixing. Wells Fargo has refused all payments from me in the past two weeks and they will not honor the deferment that was supposed to be granted even after I emailed the copy to the Office of the Dealer President and spoke to them about the refused payments on a truck with 141,000 miles XXXX. I can not pay over the automated system since XX/XX/XXXX when they disabled my account at XXXX the guy on Thursday laughed and they lady on Friday said it was too late. They have misapplied previous payments and than sent out letters months later apologizing they are horrible to work with. I have had this loan since XX/XX/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 2018-03-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pathfinder Credit Services
State: FL

Complaint narrative:
I have been called by creditors from pathfinder credit services about paying a debt in the amount of $ XXXX.After asking for  a copy of a signed agreement with my signature, i did not receive a response.I do not own the account i am being told to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

Santander Consumer USA, in the amount of {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: VA

Complaint narrative:
Account ending in # XXXX was closed w/ XXXX balance in XX/XX/XXXX with XXXX XXXX XXXX credit card . I closed my email account with XXXX and destroyed the said credit card. I received emails stating that I owed a balance on my new email account with XXXX. I tried to respond but the email from XXXX  was returned undeliverable. I finally received a bill from XXXX to my physical address om XX/XX/XXXX stating that I owed XXXX {$9.00} in overdue payment. I mailed a check for that amount that same day. Today, XX/XX/XXXX I received my dispute report from Experian Credit stating that I am overdue in payments to XXXX and the fee is now {$10.00}. This dispute could have been resolved in XX/XX/XXXX if XXXX would have sent a bill to my physical address instead of online.

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 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

XXXX XXXX XXXX XXXX in the amount of {$7000.00}

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 2018-03-19 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: TX

Complaint narrative:
On or around XX/XX/XXXX I signed up for a six week subscription to our local newspaper XXXX XXXX XXXX XXXX for {$29.00} -On XX/XX/XXXX I called to XXXX XXXX about an unauthorized charge for {$24.00} on my credit card, I called canceled my subscription before the end of my six week trial and requested a refund for the unauthorized charge. My paper stopped being delivered shortly after this call. I noticed a 2nd unauthorized charge for {$29.00} on XX/XX/XXXX, called again to inquire about the unauthorized charge. On XX/XX/XXXX I complained to my credit card company. My credit card company declined my claim because I could not prove that I canceled the paper. I shared that I canceled via a phone call and paper stopped being delivered.

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