vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have had an account with Bank of America for about 10 years. In those 10 years I cant tell you the number of times Bank of America has purposefully posted transactions to make me overdraw so they can charge me a fee. I was part of the class action law suit years ago but for some reason I continue to bank with them. This past Sunday XX/XX/XXXX I was overdrawn by {$6.00}. I do not drive and the bank is across town. I was told if I do a mobile deposit for {$7.00} it would bring my account current and avoid overdraft because nothing is processed until Monday. Which I did. Monday morning my account didnt have an overdraft fee so I assumed I was good. Monday night I received another deposit of {$400.00} to my account. To my surprise, Tuesday morning XX/XX/XXXX, I was also charged {$35.00} for an overdraft which should have been covered by the check I deposited Sunday as advised. Even if that hadnt cleared, the {$400.00} Monday night should have covered it. Bank of America is still lining up transactions in a way that debits before it deposits so they can charge you a fee. I called the company and sat on hold for over 30 minuets while they played a recording that still waiting for a manager XXXX XXXX, hopefully it wont be too much longer which I could tell was a recording and not even a live person. I was placed on hold and left on hold with no intention of a manager picking up. Bank of America apparently didnt learn after they were sued not to do this to people anymore.

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 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK
State: PA

Complaint narrative:
We have had bi-weekly mortgage and a home equity loan with Investors bank for several years, when it was with XXXX there was no servicing problem. When Investors purchased XXXX the servicing became a complete nightmare. Their online system is a complete joke and is never correct, they do n't apply payments the proper way. We should never be charged more than 24 bi-weekly payments for the mortgage, so far this year we have paid 22 payments and should only owe investors to payments for remainder of this year. Their website shows we owe {$2000.00} and they probably will add another payment, this is n't correct. The HE loan should be no more than 12 payments in a year, we have paid 10 payments this year. Their website keeps adding payments no showing we owe {$970.00} and that is n't correct. I was working with some girl called XXXX XXXX who was responding until I threatened to report Investors for their terrible servicing. They have had these mortgages a complete mess from day one. This year they went into the account and made all these corrections but it 's a complete mess again. It 's not like I have n't tried to fix this problem. A mortgage payment was made in error to the HE loan, I told XXXX to fix it instead investors ignored my requests. When we took this loan we were given an option that this could be taken off bi-weekly and made into a monthly payment plan. Investors seem to have lost paperwork in the process. I do n't think Investors is servicing this account but maybe another party. We get these random typed bills from this bank occasionally, it is n't even like a regular statement. We own another home and have that mortgage with another bank and we have none of these problems. Every month XXXX sends a detailed bill out showing how all payments are applied, it is n't some unprofessional bill. Please help us because this bank is terrible.

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 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a letter from Citi listing account ending XXXX with Customer Reference # XXXX  regarding submitting a claim for a potential refund before XX/XX/XXXX, today.  I don't have an account with Citi and believe this is a scam of some sort.  Also listed is a Tracking Number: XXXX XXXX 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 2017-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc.
State: FL

Complaint narrative:
The company in question is XXXX XXXX of XXXX, OR. They hired Capital Credit & Collection of XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX with a phone number of ( XXXX ) XXXX as collector on my account. 

This company ( XXXX XXXX ) purported to provide XXXX page 1 ranking for my company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contracted to pay them $ XXXX/month for this service. I never received any ranking results nor communication from them after I started paying  them. 

After approximately 9 months of them taking out $ XXXX/month I asked them to stop all charges ( by telephone ). They said I was under a contractual obligation to continue. I told them I was getting no results and was very unhappy with the service. They refused to stop charging me or cancel my subscription. 

I continued to pay until my card expired, at which point they could no longer charge me. They said I still owed them. I argued they provided no tangible results nor proof they were doing anything for me. 

The final amount owed was {$75.00}. I ended up just paying the {$75.00} in XXXX of 2017 to close the account. However, my personal credit was negatively affected as a result of the collection effort they took upon me. It should never have attached to me personally as an individual as this was a company account. 

I believe they are continuing this practice with other unsuspecting people/companies. I also believe they do nothing to help increase ones ranking on XXXX as no reports were ever provided. 

This kind of practice needs to be stopped. 

Here is a link to XXXX where many people have said the same thing as I have and had similar bad experiences not being able to cancel their subscription. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the Borrowers Defense. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. Borrowers defense told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.

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 2017-12-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the XXXX XXXX. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. XXXX XXXX told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXXXXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the Borrowers Defense. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. Borrowers defense told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.

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 2017-12-19 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I had applied for a credit card online for XXXX XXXX XXXX, with XXXX XXXX XXXX and I was denied by XXXX. XXXX. They stated My credit score as of XX/XX/XXXX was XXXX. I know for a fact what my scores are otherwise I would not have applied. I never heard of this company. They have a P.O.Box Address In XXXX XXXX, Ca. I am wondering if this consumer agency is legitimate? 


There address : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ca. XXXX 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 2017-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a letter from Citi Bank that I was enrolled in Balance Protector, an optional debt protection program, and was charged a monthly fee, and that I may be eligible for a refund. I moved and just received this information today which is XXXX. I called Citi Bank today and gave the CSR my reference number, and she stated that I had to respond by XXXX. I was one day late filing this claim ( because I moved ) and I feel they should let me submit this reference number to find out if I 'm eligible for any refunds.

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 2017-12-19 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: Risecredit, LLC
State: AL

Complaint narrative:
I was a victim of Identity Theft this summer. There was a loan taken out in my name on XXXX XXXX, 2017. This was the first incident and it took me a minute to realize it until I started receiving debt collector calls about it. The loan itself has been taken care of because the person pleaded guilty and the debt collection company removed the open account. However, XXXX XXXX XXXX absolutely refuses to take the inquiry off of my XXXX Report and denies that it is fraud. Ive had about 10 inquiries total added to my report in the past few months so I am not okay with them ignoring my case like this. The person is in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hello, this is in regard to the previous CFPB complaint XXXX. 
American express has responded to my claim that they confirmed with XXXX that the XXXX points have been successfully transferred to etihad airways account in XXXX which was NOT true. I have attached the account activity from account XXXX for the reference. I also have contacted XXXX that they never received any American Express points on this account. 

Here is the full story : I was trying to transfer XXXX points from my XXXX MR account XXXX to XXXX account in XXXX on XX/XX/XXXX and it was rejected as I realized later that I could not transfer to my wife XXXX XXXX 's account. So I made another transfer of XXXX points to my own XXXX  account in XXXX which was successful. I have contacted XXXX that the account XXXX has NEVER received any points from american express. I did not authorize the transfer that happened on my account on XX/XX/XXXX as the transfer made on XX/XX/XXXX to XXXX was NOT successful. Please see the attachment from the account activity. 

Please return the XXXX points to my MR account or have them transferred to XXXX. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo generated a message indicating that my mortgage payment was past due despite having paid the mortgage via an online transfer the previous business day. The availability of these funds was immediately deducted from my account. This notice resulted in me hastily making a second payment in error. Upon contacting Wells Fargo they indicated that there was nothing they could do ( even though it was an internal transfer ) to stop or reverse that transfer. I would either need to call back the following business day or they could reverse out the payment from the XXXX, but it would be 3-4 business days to be processed. 

The second payment was a result of their inaccurate notification.

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 2017-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/XXXX, we paid off in full, over a year in advance, our lease financing contract. XXXX XXXX would not give us a return shipping address at that time, to return our copiers ( 10 in all ) as per the lease. Our lease ends XX/XX/XXXX and once again, we requested a return address as well as a buy out price as per the lease. CIT has failed to provide a return address or a buyout price. With respect to the buyout price, we did receive the attached email stating that the buyout quote would need to come from XXXX XXXX, our local copier vendor, which no longer owns the copiers. The buyout price was many multiples ( {$35000.00} vs, {$2000.00} ) of the fair market value ( called for under the lease ) according to competing copier vendors. 
After questioning other copier vendors, I am told that it is a fairly common practice for financing companies like CIT to conspire with the local copier vendor, to hold the customer hostage so that the customer has little choice but to renew their lease or enter a new lease with the local vendor. The attached email is direct evidence of that practice as CIT is directing us to the local vendor, which does not own the copiers, to set the price while at the same time refusing to give us a return address. This practice is both fraudulent, deceptive and coercive, and the financing company has every incentive to do this to get continued future referrals of business from the local vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of America has both admitted fault in the handling of my dispute AND refused to take responsibility of their negligence. I 've spoken with Managing Director XXXX XXXX of the LOB responsible, who was as bold as to argue that they are not responsible for what his Claims associates say on the phone, nor are they responsible for what they do or do n't do as a result of a customer conversation in the Claims process. 

Specifically : *We made a purchase, it turned out to be different than what was described ( with contradictory pre and post transaction descriptions of the product from the merchant himself, i.e. a  slam dunk case ) *BAC took the claim *They denied the claim asking for a second opinion *I called, offered the second opinion, reviewed all other additional information ( see attached ) *BACs representative said the second opinion actually is not required, they would pursue the claim without it *Following BACs direction I called 2 times to verify the claim process was on track, BAC confirmed both times they were waiting to hear back from the merchant *3rd time, BAC rep realized they never actually continued the claim as previously promised, said I 'm out of luck *I escalate *Their Executive Relations team reviews my case, pulls the call where in which the representative promised to move forward without second opinion *ER REP LISTENED TO MY CALL AND OPENLY ADMITTED THE BANKS WRONG DOING ( her name was XXXX ) *ER had the LOB review again, but they denied any further consideration *I asked for the LOB contact information directly ( ER was happy to provide it ) *After a short debate ( first line LOB contact with XXXX XXXX ), the LOB ALSO OPENLY ADMITTED THE BANKS WRONG DOING , but argued they did at one point ask for second opinion, to which I technically did not provide ( because they told me not to, this again happened in the call recording that the ER rep pulled and saved ) *LOB promised to send to their manager, rather I was given back to ER, only for them to say again the LOB will not consider any further *This ER rep and I talk at length ( XXXX ), SHE ALSO OPENLY ADMITTED THE BANKS WRONG DOING, offers escalation *I talk to their " managing director '', he holds ground, refusing to discuss any logical or rational reasoning, just stating repeatedly that they did ask for something and technically I did not provide it ( again, because they said not to ... the MD at least avoided admitting any fault ). 

This ca n't be possible, right? Please see attachments.

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 2017-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
ORIGINAL COMPLIANT Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Action taken : SUBMITTED TO FTC SENTINEL NETWORK Product : Debt collection Issue : Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va. XXXX through their attorney, XXXX XXXX XXXX XXXX XXXX file suit against me on XX/XX/XXXX in State Court of XXXX County, Georgia Civil Case # XXXX. 
1. This action was time-barred since it was taken on a debt/default which occurred XXXX XXXX- ( 9 years after the fact ) 2. I was never notified of r XXXX XXXX XXXX 's request for a judgement/or the judgement dated XXXX XXXX. 
3. I was never notified that XXXX XXXX XXXX XXXX as a result of the judgement obtained a lien on my home dated XX/XX/XXXX. 
4. I only discovered the Judgement & Lien as a result of a routine home mortgage refinance- which is now in limbo.

5. Portfolio Recovery Associates, attorney XXXX XXXX XXXX XXXX XXXX has failed to respond to 2 request to resolve this matter.

6. A request was made today directly to Portfolio Recovery Associates to have the suit /lien vacated immediately.

7. I advised after the suit/lien has been vacated I am more than willing to work with Portfolio Recovery Associates toward a mutually satisfactory resolution of this matter.

8. I notified Portfolio Recovery Associates that their actions are a violation of their XX/XX/XXXX signed Consent Agreement, which specifically prohibited them from suing past the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The address, birth date and employer name on my equifax credit report seems wrong. I am in the process of changing my apartment and when they tried to pull up my information from equifax, it showed the wrong birthdate, address and employment information.

Company response to consumer: Closed with non-monetary relief