vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account ending XXXX ( settled with XXXX- BOA agent ) and account should show XXXX balance and close status should be CLOSED and not charged off since it is paid/settled. XXXX settlement letter is attached here with .... 

XXXX XXXX XXXX XXXX XXXX Office Hours ( Eastern Time ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX  XXXX XXXX XXXXXXXX CA XXXX Creditor : Bank of America, N.A. Account Number : XXXX Reference # : XXXX Balance : {$33000.00} XXXX XXXX XXXX , Please accept this letter as confirmation of the agreement reached on XXXX with XXXX XXXX . We can resolve your account in the amount of {$22000.00} which must be received on or before XX/XX/18. Failure to comply with these proposed conditions will make this offer null and void and the full balance minus any payments that have been made to the account will be due. We are not obligated to renew this offer. There may be  tax consequences as a result of a settlement. Please consult a tax professional if you have questions or want advice about any potential tax consequences. We offer an on-line correspondence service that will reduce paper consumption and may improve your customer experience. Please visit XXXX to access your account information or make payment ( s ) on-line. You may also mail payment ( s ) to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Calls to or from this company may be monitored or recorded. Interest and/or fees will not accrue on your account. This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PH: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 non-monetary relief
Consumer complaint received 2018-09-20 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: AZ

Complaint narrative:
I am a victim of identity theft. My XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, UT XXXX Mastercard # : XXXX is lost/stolen. All of the transactions on the account is fraudulent and unauthorized. My entire credit limit of {$800.00} was used in a fraudulent manner.

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 2018-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
My pay was interrupted for two months by the va with minimal notice. This caused my mortgage to default. The va fixed the issue eventually and wrote a letter to the mortgage company explaining the situation. In the time that my loan was in default, we had a small fire in our laundry room/ bathroom. I completed the work myself even though the mortgage company insisted I needed a contractors liscence to install new flooring, a piece of drywall, a pocket door, some cleaning and paint. I explained that I was a XXXX for a family member for over ten years before I joined the XXXX. Nothing in the repairs was above the average home owners skills and anyone could learn to do everything I did to my home watching videos on XXXX. I had called them at least 6 times before they gave in to letting me work on my own property. They only told me half of the actual process to get the insurance checks endorsed and sent back to me to deposit. They advised me that if I wanted my money within 5 days to send the checks in an overnight mailer to include a return overnight mailer to get it back in said due time. I did this to a cost of almost {$50.00}. This was over 3 weeks ago and since that day, I was told Id have to wait an additional 10 ten for the inspection. The inspector came last Friday on XX/XX/XXXX. I called yesterday to ask when the funds would be realesed to me and they said it would take an additional 10 days after receiving the inspection for corporate to sign off on it. This was all given to me over 8 different phone calls and I believe 7 different employees all telling me different things. When asked to give me an idea of when the funds will be released to me and why it was taking so long after I was told 5 days well over a month ago so I could write down exactly what they told me this time. The manager stopped talking. They didnt ask to put me on another hold, they didnt hang up, they simply stopped responding to me. I demanded an answer several times and when they still refused to respond I hung up the phone. The insurance adjuster and the independent adjuster both stated that I completed the repairs in a timely and proper manner. I had to borrow money to complete the repairs and since I was told Id have the money back in 5 days, I returned it to the person I owed it to ASAP. The repairs cost me about {$1500.00}, and my mortgage payment is {$1200.00}. I told them hey can have the mortgage payment when I receive the {$8900.00} due to me from them. I also believe that they are a predatory lender and since my property is worth well over what I agreed to pay for it, they want to lay claim to it or try to get me to refinance from them for the full equity so they can make their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX  for my XXXX XXXX  earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to XXXX the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.

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 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX for my XXXX XXXX earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to XXXX the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.

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 2018-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018 there were two unauthorized transactions placed on my debit card followed by five large ATM withdrawals ranging from $ XXXX- {$1000.00} leaving my account in the negatives ( with the inability to withdrawal anymore ).  Once I checked my online banking, I noticed my card was missing and I immediately called Bank of America and filed in a claim as well as a police report. The bank eventually closed my account and denied my claim stating I said I wrote my pin number down when it was clearly stated in my police report and verbally stated over the phone that I did not write down nor give my pin to anyone. The bank reconsidered my claim and once again was denied based on reasons they would not disclose to me. I asked for my claim to be reconsidered for the third time, begging to speak to any investigator who was working with the claim and again it was denied as a final decision. Bank of America claimed that someone called in asking for an increase in the amount that can be withdrawn. I never approved of this nor was I aware of this until after the matter. I have asked multiple times for the ATM cameras to be pulled as well as the voice recordings per telephone calls.

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 2018-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MI

Complaint narrative:
I have recently been in contact with XXXX XXXX on XX/XX/2018 and XX/XX/2018 in regards to a monthly payment increase on my student loans. The program that I was in and able to maintain was {$210.00} and has now increased to {$460.00}. I called XXXX XXXX to ask if the payment could be lowered to an amount that I could maintain being that I am the sole provider in our household due to my husband returning to school full time for an XXXX XXXX XXXX program. When I spoke XXXX at XXXX XXXX I was asked to provide my financial profile including monthly income from my job, expenses such as rent, car note/insurance, groceries, cable, and what I currently have in my checking and savings account. I was then told that XXXX XXXX would need to contact my co-signer who is a XXXX year old retired veteran, my grandfather was harassed about his monthly income and payments and was told that if he was not providing enough information. I was then asked by XXXX XXXX what are you willing to do to maintain your payment because based on your credit profile you are not able to maintain your payment. I was then informed by XXXX at XXXX XXXX that my request was denied to lower my monthly payment or offer an alternative method. I begged them and never once said that I was unwilling to make a payment, I simply asked to lower it so the loan would not be defaulted and I was denied. XXXX then asked for my routing and account number and stated that my interest rate would be lowered .25 % if I enrolled in automatic payments which did not lower the monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XX/XX/2018 Bank of America employee called me and said a check was put in my account that looked like fraud. I asked the employee what check she was talking about as I knew nothing of any check going into my account. So she said we were going to close that account and start a new one to which I agreed. This was the middle part of XX/XX/XXXX and I told her I would not have another deposit till last working day of XX/XX/XXXX. She said that would be fine. Before my check could go into the account I received a letter that they were closing my accounts all the way. It was too late to stop my check so the check went to Bank of America. I called the bank and they said after the closure and everything was settled I would get the remainder of my check. I said ok. I was in constant contact with them and they finally told me I would have to drive to a Bank of America to receive my money. So I drove the 100 miles to a bank and they refunded all my check. In XX/XX/XXXX I called Bank of America and asked them to file a fraud report over the check.So we did that and they told me it would be 60 days for them to investigate the claim.In XX/XX/XXXX I  called to inquire about the fraud claim and got sent to several different people. Nobody could talk to me on the phone and half could not even find a claim. So now it is where I can not open a checking account in XX/XX/XXXX because of this XXXX report. I get the report and Bank of America says closure status is unpaid. if there was money owed then why didn't they take their money from my retirement check that went to them. Now I received my mail from my daughters house and in the mail is online banking checks made out to other people. I never authorized these checks and the Bank of America can see I never had this money in my account. I never use online banking. One check  the bank sent out was cashed in New York. All this is fraud. Please help as I need a checking account for ss checks And other income as well as a couple bills.

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 2018-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One bank of a fraudulent application submitted with his information without his consent that resulted in an inquiry on his XXXX  credit XX/XX/2018. An official dispute of this application was mailed certified with return receipt to Capital One XX/XX/2018 however as of this date Capital One has failed to send a reply or an update concerning or even clearing this issue as fraudulent. This action is a violation of my clients federal consumer rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I called Citibank customer support to report there is an unauthorized charge on my diamond preferred card and was told that Im not liable for the charge and they will conduct an investigation. Then on the week of XX/XX/XXXX I followed up via chat as to why I still see the balance on my Credit card, I was told by one of their representative that I will see the credit next week. I then check again the whole week and still theres a balance. On XX/XX/XXXX I contacted them again and asked as to why I have a minimum payment due on my card and also as to why they havent credited the unauthorized charge. I was told that I have to contact their security department to find out. I called that department and was told to file a police report due to the amount. I felt I was discriminated and treated unfairly because when I told the representative that I am on XXXX he told me that I can do it online. I have checked the cards terms and condition and there is nowhere that says that if its over {$5000.00} theyll need a police report. I read about the zero fraud liability and yet they are not standing by their word. Lastly, I had to pay {$300.00} plus to avoid penalties.

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 2018-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
After several years of applying my monthly mortgage over-payment directly to the pri? nciple balance, my statement this month from Select Portfolio Services , Inc. says they are placing extra money in an " unapplied '' or Partial Payment column. The footnotes suggest when the amount equals a full monthly payment, it will be credited to my mortgage balance. First of all, I never asked Select Portfolio Services , Inc. to save money for me. If I am not the only victim here, how much free money is SPS accumulating for their benefit and the detriment of everyone wanting to chip away at that principle mortgage balance? Do they have some lofty goal for the use of all these surplus funds or are they just trying to discourage paying off mortgages before maturity? As a mortgage loan " Servicer '', are they not already accepting a fee for handling my account? Could the fact that I was forced into Bankruptcy to protect my house ( which means they won't communicate directly with me ) make me vulnerable to a mortgage loan servicer or whomever they represent? Is this designed to pressure me to do even more? I have never missed a payment, always paying more, never paid a late fee. Select Portfolio Services , Inc. threatens the very notion that you can retire that mortgage early!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: QUALITY ACCEPTANCE LLC
State: TX

Complaint narrative:
I XXXX have spoke to someone at Quality acceptance which I have a car loan repossessed my vehicle on XX/XX/XXXX .I spoke a several different agents telling me I have 20 days to redeem my vehicle and it will not be a repossession on my credit. On XX/XX/XXXX they reported it repossessed and it showed up on XX/XX/XXXX. I called back and 2 other agents told me it will be changed and will just continue and repossessed will not be on my credit. Everything is not adding up I'm trying to purchase a home due to close which I told them next thing you know I see this info on my credit. How can they do this to my credit when I'm current and they told me I have 20 days and it won't be placed on my credit if I redeem in that time frame. Which it was. Please assist me with this situation. My family needs their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: AZ

Complaint narrative:
I am a victim of identity theft. My XXXX Mastercard # : XXXX issued by XXXX XXXX, XXXX XXXX XXXX, UT is lost/stolen. All of the transactions is fraudulent and unauthorized. My entire credit limit of {$1000.00} was used in a fraudulent and unauthorized manner. I never used my XXXX MasterCard. The fraudulent transactions dont belong to me.

Company response to consumer: Closed with explanation