vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America Cash Rewards World Mastercard Card. 

Automatic payments are a 2 step process. 
First a 'ebill ' is created by BAC at statement close plus 1 day, which has minimum, statement, account balance and such. 
Then the 'AutoPay ' picks the data at plus 2 days from the 'ebill ' and makes the chosen payment. 
Any subsequent credit or payments DO NOT change the 'eBill/AutoPay ' process. 

I can not imagine why except that this is a scheme to get around the 'credit/payments to be applied to required payments first ' rule for consumers. Since the AutoPay is based on the early eBill, BAC claims the amounts from the eBills have not changed despite credits and payments since eBill creation. Thus. consumers pay more than required by rules. 

Every other card I have reduces the required payments to reflect credits and payments first - as I believe the rule requires.

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 2019-10-28 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: NJ

Complaint narrative:
I have a closed credit card on my EXPERIAN credit report with late payments that are negatively affecting my credit score. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with Experian, but have not been successful. I really need and would appreciate some 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 2019-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I took a loan out for {$15000.00} approximately in XX/XX/XXXX. The car payments were being made automatically out of my checking account. 

In XXXX I'm told that I'm being sued from credit acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX through XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX I told XXXX XXXX XXXX that I wasn't aware the payments were not being made. Granted I should balance my checking, but I know the amount of money approximately going on so I know I'm safe. 

I never received any notices from credit acceptance stating they were going to repossess the car so I was confused. XXXX XXXX XXXX set me up on a payment plan for {$650.00} s month. I told them that amount was too much they said that was all they could do. I wasn't able to come up with the {$650.00} however the next month I post dated a check for {$650.00} to catch up. 

{$650.00} is too much but I was forced that amount for payment. Now my case has been reopened. 

I wasn't treated right by credit acceptance when I tried explaining the situation. I never received any paperwork from credit acceptance. Upon my own investigation I found out that credit acceptance used my insurance agents address for my address. This would explain why I wasn't getting paperwork from credit acceptance corporation. If I was that far behind on my car payments then I would have received a car repossession. I haven't used XXXX XXXX  in XXXX XXXX for my insurance in years. I can't help that the loan was set up with the wrong address. 

Please help me. It's not right that a company can say they tried contacting you and sent you multiple letters when they entered the wrong address in their system from the start of the loan. Then years later they lie and say they sent me letters.

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 2019-10-28 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: NC

Complaint narrative:
XXXX XXXX Ss # xxx-xx-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KS XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX   and XXXX  XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.

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 2019-10-28 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: NJ

Complaint narrative:
I have a closed credit card on my XXXX credit report with late payments that are negatively affecting my credit score. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with XXXX but have not been successful. I really need and would appreciate some help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have tried to contact Transunion about this issue and to no avail. They treat me as the villan and the creditors as the victim. They allow anyone to run my credit without verifying that they have my permission then tell me to contact the creditors that violated my rights. They then send a letter stating that these creditors do not need my written authorization which I know is a direct violation of the FCRA requirements. How do they keep getting away with this madness. They then proceed to tell me to contact these creditors that violated my rights individually which is clearly waht they are supposed to do before they place this information in my file. How am I supposed to contact 40 different creditors and pay for certified mail 40 times. That doesn't make any since.

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 2019-10-28 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: Colony Brands, Inc.
State: NY

Complaint narrative:
ON XX/XX/19, I INITIALLY SENT LETTERS TO XXXX XXXX XXXX AND XXXX XXXX  DISPUTING A DEBT BEING REPORTED TO THE CREDIT BUREAUS AND FOR THEM TO VALIDATE THIS DEBT. ON XX/XX/19, THEY RESPONDED WITH A PRINTOUT TRANSACTION SUMMARY FOR WHICH I SENT SUBSEQUENT LETTER ON XX/XX/19 DEMANDING THT THEY PROVIDE ME WITH ANY VIABLE EVIDENCE THAT THESE ACCOUNTS WERE MINE ( ie. SIGNED CONTRACT or ANYTHING BEARING MY SIGNATURE ) THAT GIVES THEM THE RIGHT TO COLLECT FROM ME OR REPORT THIS DEBT AGAINST ME. TO DATE THEY HAVE NOT DONE SO OR REFUSE TO. I HAVE NO RECORD OF EVER DOING BUSINESS WITH THESE COMPANIES AND HAVE DISPUTED THIS ALSO WITH THE BUREAUS, BUT THEY KEEP RESPONDING THAT THE DEBT IS VERIFIED WITHOUT OFFERING THE PROOF OF HOW THIS DEBT WAS VERIFIED. I HAVE REPEATEDLY ASKED THAT THE DEROGATORY INFORMATION BE DELETED AS THIS IS CAUSING SIGNIFICANT FINANCIAL HARM TO MY QUALITY OF LIFE AND IT WAS LAST YEAR AND SUBSEQUENTLY REINSTATED THIS YEAR WITHOUT ANY PRIOR NOTICE. THE REPORTING OF THIS DEROGATORY AND INCORRECT INFORMATION IS DETRIMENTAL TO ME AND MY FAMILY 'S QUALITY OF LIFE AND I REQUEST YOUR FURTHER ASSISTANCE IN HAVING IT REMOVED AS ALL MY PREVIOUS REQUESTS TO THE BUREAUS AND THESE TWO COMPANIES HAVE BEEN BLATANTLY IGNORED. PLEASE NOTE THAT XXXX HAS CHOSEN TO STALL THE PROCESS BY SENDING ME A LETTER ON XX/XX/19 REQUESTING I SEND INFORMATION TO VERIFY MY IDENTITY. THAT WAS DONE ON XX/XX/19 BUT ON XX/XX/19, THEY SENT ME THE SAME LETTER REQUESTING THE SAME INFORMATION AGAIN. THIS IS PAST THE 30 DAY WINDOW THAT THEY ARE REQUIRED TO CONDUCT THIS INVESTIGATION. XXXX  RESPONDED TO MY SECOND LETTER WITH TWO POSTCARDS STATING IN SOME INSTANCES THEY ARE ABLE TO DETERMINE WHETHER DISPUTED INFORMATION SHOULD BE DELETED OR CHANGED. HOW CAN THAT BE, IF THE INFORMATION IS WRONG?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MS

Complaint narrative:
My husband passed away suddenly in XXXX of 2016. I had to bury him and so I got behind on my Mortgage, I tried to do modifications over 7 times. They kept responding with different answers. I finally had to file a chapter XXXX to stay in my house. I am not on the loan, but I am on the Deed, since I am the surviving spouse. I have 5 acres of land in the middle of my small town, and property is very hot at this time. My real estate lady told me I could sale overnight. I wanted to pay off some of my debt from his funeral and to catch up on my house note.I spoke with a supervisor named XXXX who understood that I did not have the funds to have property surveyed etc. He told me to write a letter to him explaining in detail what I wanted to do. I have faxed 10 pages with death certificate to them on two occasions 1st on on XXXX the XXXX and then again on XX/XX/XXXX from the XXXX store in my town. I paid {$10.00} each time. I them mailed a USPS letter envelope and paid {$7.00} for it. They are telling me they have never received anything from me at all. I need to resolve this issue, due to the fact they are not telling me the truth about anything. I have even asked for upper management, I also left a message for XXXX to call, no call has been made to me at all.

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 2019-10-28 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: NC

Complaint narrative:
XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and XXXX XXXX associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.

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 2019-10-28 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Ive been dealing with 2 banks. XXXX XXXX XXXX XXXX and BofA for the last 17months. The short version my boyfriend wrote me a check for XXXX i deposited it his bank couldn't reach him because he was in the hospital and passed a week later i never got the money and it wasnt returned to his account now in probate. neither bank could say where the money was finally bofa admited they have it after a year of me filing complaints to find it now they want XXXX bank to file a Alteration breach of warranty claim no one seems to know what that is and the lady at BofA Ms XXXX XXXX resulution specialist in XXXX NC office doesnt return calls from myself or XXXX so that we get the forms needed to get the funds released ive been calling her since XX/XX/2019 i faxed her a letter XX/XX/2019 and ive called again today. I think 17months is way to long for this to go on. Theres no way to speak to a superviser its horrible. not only that bofa reported me to XXXX  for no reason

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 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
date : XX/XX/2018 amounts : {$3900.00} violation : section 603e, section 623 ( a ) ( 1 ) ( A ) & 623 ( a ) ( 1 ) ( c ) Title 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ( I ) Title 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ( II ) there are 3 people on this collection but the entire amount is showing on my credit report so it is therefore on others credit report. meaning the amount owed is XXXX on 3 report. this furnisher does not have a written signature of me agreeing to this collection. 
section 609 ( c ) ( 1 )

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 2019-10-28 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: ID

Complaint narrative:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I have an unverified account from Online Information Services. I had previously disputed this account. I have never done business with Online Information Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Online Information Services provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any  additional interest, charges, or other fees placed on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
Closed a business platinum American Express card in XX/XX/2019 due to business closing. Credit balance was paid in full. The acct was closed via phone. We had three platinum cards assigned to company. Once the acct was closed we tried using the cards to check if acct was closed as requested. Each card was rejected when attempt to use. Just recently I was called by American Express to tell me there is a {$620.00} amount that is some 60 days past due on the platinum card acct.. When I asked what the charge is for, I was informed it is the annual fee and was due in XX/XX/2019. I advised them the acct was closed XX/XX/2019 & they say they dont have ant record of the acct being closed. I then ask them what activity ( charges ) were made on card since XXXX and they said no activity on the card since XXXX. Again, I told them the acct was closed. They are demanding the {$620.00} be paid or they will turn me into the credit reporting agencies. I explained it doesnt make sense to pay this charge since the acct is closed therefore we havent been able to charge on the card since and forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: St.John Cobb Inc
State: NC

Complaint narrative:
XXXX XXXX Ss # XXXX ST JOHN COBB INC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below,  please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a checking and savings account with Citibank since they kept emailing me promotions. I deposited two checks, one in the checking account and one in the savings account. Checks were drawn on my wifes account. On XX/XX/19 Citibank returned these deposited checks as altered/fictitious basted on the information they received from my wifes bank. I contacted citibank and explained to them that they were good checks and that the other bank made a mistake since they didnt update my wifes signature card when she changed her name to married name. Citibanks loss prevention asked that I submit a notarized letter from the other bank to prove it. I submitted that letter and Citibank even contacted my wife to confirm it. I called Citibank to find out if they will rescind their decision to close those account and was told they would based on the documents I submitted. I was told I just needed to deposit cash in both accounts and all holds would be removed. Today on XX/XX/19 Citibanks loss prevention told me my accounts were closed and the employee couldnt give me more information nor could they get a supervisor or manager to assist. Ive spent many hours on the phone trying to resolve it and was asked by them to make multiple trips to different banks to resolve it and it all ended up being a waste of time. I was lied to by loss prevention and essentially wasted a lot time for nothing. Different employees told me different things and promised a positive outcome which was all a lie. Now they refuse to talk to me and just say someone will call you within 24-48 hours. I did nothing wrong and submitted all documents Citibank asked for to clear me of any wrongdoing. They refuse to correct the problem and just avoid taking the time to correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation