vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Father XXXX XXXX in XX/XX/2018 leaving me as a beneficiary on his Traditional IRA. After multiple attempts at going into the branch to attempt some instruction on how to obtain the money I was finally told that the IRA deptartment would be sending me further instructions in XX/XX/2018 XXXX the people at the branch wouldnt let me talk to the IRA dept, nor would they give me any information whatsoever ). I received a letter from Bank of America a few weeks later stating we are unable to process your transaction at this time. This left me baffled as I wasnt trying to process anything, I was waiting on instructions from the IRA dept. So I called the number listed and after having to transfer to the fraud dept to even get a real person to ask a question to, found out the IRA dept. didnt work weekends even though the paper they sent me had weekend hours. I was told they decided to change their hours but failed to update their correspondence! I called back Monday, XX/XX/2018 and talked to XXXX XXXX who advised me I had to open my own money market IRA BEFORE they could release the funds to me that were left to ME as a beneficiary. He completed this over the phone and advised me he had also completed the beneficiary disbursement form that needed to be done in order for the money to transfer. He advised it would be about 14 business days and I should receive a check with my disbursement. As of XX/XX/2018 I still had not received a check so I called again and was advised the beneficiary disbursement form was never filled out or it was lost, so the money was never transferred into my account at all. Still waiting on a call back from a supervisor as to what happened now that I have waited over a month while they hold MY FUNDS hostage because they havent done what they said they were going to do on multiple occasions. This company has XXXX XXXX and lied every single time I have been in contact with them and none of their employees understand how any of this process works. I am absolutely appalled at how I have been treated through this whole process especially after losing my Father.

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 2018-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted numerous disputes regarding the reporting of XXXX XXXX XXXX reporting inaccurate information. Transunion has allowed them to correct dates that were wrong which indicates they have communicated with XXXX XXXX directly. I actually received a letter from XXXX XXXX outlining dates of payments and the date the account was sold to a third party. 
The information on my credit file shows a chapter XXXX filing which is a payment plan. XXXX XXXX states on the credit file that a last payment was made XX/XX/XXXX when they first stated the last payment was in XXXX. XXXX. XXXX XXXX states in their letter to me that they were notified of a filing by me on XX/XX/XXXX but provided no proof. Also they said they sold the loan to XXXX XXXX XXXX on XX/XX/XXXX after charging this account off on XX/XX/XXXX. A letter from XXXX states that they bought the loan not XXXX XXXX XXXX onXX/XX/XXXX.They also state that this account was charged off in a chapter XXXX bankruptcy not chapter XXXX. 
This account has been inaccurately reported for over 3 years with Transunion claiming they have investigated this account with the creditor which actually don't have the account! That in itself is a violation of the FCRA. 
I have provided copies of paperwork of the above mentioned facts which has been ignored. The original creditor information is incorrect to the dates and who they sold they account to. Also they no longer have the account and is reporting inaccurate information about a chapter XXXX bankruptcy that they haven't provided any proof exist. The same chapter XXXX that was deleted from my XXXX  file during my complaint to the CFPB ( reference complaint # XXXX ). 
There's a bankruptcy under XXXX XXXX XXXX XXXX which is not me. Im just XXXX XXXX XXXX. I believe the items reporting on my credit file ; XXXX XXXX XXXX acct # XXXX and XXXX   acct # XXXX belong to that individual and are being reported under my name and credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX etc. 

3-4 calls every single week, they don't have a valid debt they're trying to claim, have been calling for months and months, and have requested to be removed multiple times after telling them they don't have a claim. Nothing stops them from calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 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: ID Analytics, Inc.
State: AL

Complaint narrative:
Received letter dated XX/XX/18 from XXXX XXXX XXXX stating credit score of XXXX from XXXX. I havent applied for any service from XXXX XXXX XXXX and have excellent credit. I keep a freeze on my credit from 3 main agencies since all social security numbers were compromised in XXXX XXXX a few years ago. Why did my credit get run without me applying for something? I cant get any answers from phone calls attempted. Also, address is incorrect on letter.

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 2018-09-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Today I reached out to TransUnion due to me looking over my latest credit report from this particular bureau. The reason being is because I noticed XXXX hard inquiries that I did not authorize. When I was connected to a young man in the dispute department about my concerns. Instead of him asking for more detailed and personal information the customer service rep tries to push me to the idea of calling a company by the name of XXXX XXXX XXXX. The young man states that I should take advantage of the XXXX XXXX XXXX special deal for {$99.00} I could not believe that he was more focused on pushing me to call XXXX XXXX XXXX instead of helping me with the following inquiries that I have no knowledge about - 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and 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 non-monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
This is a complaint against SLS ( Specialized Loan Servicing ). 

I am refinancing a house in XXXX XXXX XXXX with my father. The mortgage is less than XXXX years old. Our current lender is Specialized Loan Servicing, otherwise known as SLS. We are refinancing using XXXX bank. 

The process began with XXXX bank at around XX/XX/XXXX. By XX/XX/XXXX, we had written a check to the law office representing SLS to kickoff the XXXX process. 

XXXX 's law office had estimated the process to take XXXX weeks. I check back with XXXX 's law office on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They informed me that they have been checking with SLS ( and their law office ) regularly and that the only information they have is that SLS is still working on getting the collateral documents. 

By XX/XX/XXXX I had already extended my rate lock-in with XXXX once. I directly call SLS at XXXX, but the customer service representative didn't have much information for me. They referred me to call XXXX Mortgage instead. XXXX  could only tell me that they have requested the files from their external custodian and there is no estimated time they can give me of when it will complete. 

On XX/XX/XXXX, XXXX 's law office CCs me on their email exchange with the law office representing SLS. I can see XXXX 's law office had been frequently requesting updates from them. From that day til now, XX/XX/XXXX, the only thing they have told us is that they are still working on the files and we will get it when it's ready. There were zero estimations, and zero status updates on their progress. 

With interest rates rising, I have to keep extending my rate lock-in with XXXX. This is costly. The lack of transparency and slow pace from SLS in the last 3 months, has cause me distress and increased risk in my refinance.

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 2018-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: KY

Complaint narrative:
I am coapplicant with exhusband on a home loan that we had obtained when we were married. There has never been a payment missed since we had the loan in 2008. My exhusband fiked bankrupcy an upon my notification of the bankruptcy Planet home lending would not take a payment from me nor allow me to make payments online or via phone automated systems. Planet wouldnt even send me a statement. I spoke to bankruptcy department many times an was advised that because they received notification of bankruptcy that I needed to talk to my lawyer in ref the account because they couldnt. After multiple failed attempts I finally got a hold of a mortgage counselor who was able to help me an apologized for what i was being told by other representatives. I was able to finally make payments an get account up to date. I was told by the mortgage counselor that i should not get a late payment an if i do to call back an they would submit to remove it. When I called back inwas told that if inwould have made the payment 2 days earlier it would not have reflected as late, but as i explained ine i couldnt an 2 i had to physically speak to someone to do it an they were closed on weekend an the XXXX fell on a Sunday.But Planet home lending still reported on my credit report as being late for the month of XXXX and XXXX when it shouldnt have because if i have no way to make a payment because they are closed an my due date falls on a Sunday they cant mark it as late because i couldnt use automated system it had to be with live representative.I am XXXX XXXX military an this late payment not only affects my security clearance but it also it affects my borrowing ability. I have never missed a payment ever an this one was clearly an error caused by the confusion of my exhusbands chapter XXXX bankruptcy. I contacted Planet hone lending an asked to speak with supervisor an was told that one would call me but never did. I also spoke with a rep an they said planet home lendings credit department stated that planet home lending did nothing wrong. I am not trying to say planet home lending is a bad company because they are not an they have taken care if me as a customer an thats why I have stayed with them for so many years. I just think that this was bad miscommunication due to the confusion of the bankruptcy an XXXX people being on loan where one did not file bankruptcy is complicated an I just hope an pray that planet home lending will continue to take care of me by fixing this critical error that could cause me my XXXX year career as an XXXX. I have reached out for a member of coporate to contact me via telephone annthey have not. I got a letter in mail but it does not include all details ... XXXX they left out calls to mortgage counselor an bankruptcy department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank offered a {$500.00} bonus for qualifying account and activities. Upon completing all qualifying activities, Citibank did not pay me bonus. Have emailed and called numerous times. They say they are working on it. I was assured by banking representative, XXXX XXXX, that I did qualify and I would get paid. I still have yet to see the bonus cash. I believe I was mislead/tricked into opening an account. They advertise for bonus, tell me I qualified for bonus, yet refuse to pay me. Very deceitful company. They should not be able to advertise bonuses to trick people into opening a accounts. Should be down right illegal.

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 2018-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX for a 24 month no interest payment plan. First payment was due XX/XX/XXXX and the last payment due XX/XX/XXXX. 

In XX/XX/XXXX I started to have problems. I received a late payment charge. I did not dispute the charge but did call to inquire and the agent said that payments are posted the day the check is received even on weekends. Thus, I monitored my bank account to see when the checks cleared. Recently, I reviewed statements and this is not the case. See attached transaction and posting dates : XX/XX/XXXX and XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX & XXXX, XXXX I started to monitor my checking account to see when checks were clearing. All was well until XX/XX/XXXX when my check had not cleared. I called to make a payment on XX/XX/XXXX. The next month XXXX payments cleared my checking account on XX/XX/XXXX. 

I also pay a XXXX Bank payment ( to XXXX, GA ) the XXXX of each month form XXXX, NY and I mail both checks the same day. The TD Bank payment goes to XXXX, MI. The XXXX 's account has never drawn a late charge. Why only TD Bank? Due a day later. 

On XX/XX/XXXX I paid the account in full. TD Bank continues to assess a late fee and incomplete payment charge ( {$65.00} total ). 

I have made extra payments XXXX XX/XX/XXXX ) and have paid the account off early. I believe the extra and early payments should close out the account and that the fees assessed are in error. These early payments should not allow TD Bank to put me a position to penalize me. Therefore, I am requesting a reversal of the {$65.00} and that TD Bank stop mailing me solicitations. Yet, TD Bank says that the early/extra payments don't count as the are not submitted with invoices. 

A strongly disagree. 

To summarize : 1. I have proof that TD Bank does not post payments on transaction dates. 
2. I have been ahead of the agreed payment schedule since XX/XX/XXXX. 
3. I have paid the account in full as of XX/XX/XXXX, XXXX months early according to the agreement. 

I am requesting TD Bank reverse the {$65.00} and stop sending me solicitations. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Fillied a disputes on XX/XX/XXXX About two transactions from XX/XX/XXXX for {$2500.00} and XX/XX/XXXX for {$2900.00} for XXXX. 
This vendor has failed and canceied all the services purchased. Capital One has failed to abide by Consumer Protection Laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
On or about XX/XX/2018 i called XXXX XXXX to begin resolving an old debt of {$430.00} was referred to XXXX XXXX XXXX and made arrangements to have {$40.00} taken from my debit card every month until debt was resolved gave the man on the phone my name ss # amount to be taken debit card number, expiration date and security code. Completing what i thought were legitimate payment arrangements since that day i have recieved daily harrassing phone calls and today XX/XX/2018 i recieved a dilinquent notice. I immediately called XXXX was told they never recieved arrangements. I asked to speak to a supervisor she informed me that i agreed to pay {$71.00} which i did not. I asked for copies of my phone calls, i would have to wait until friday i tried to explain my predicament and was met with more harrassment from the supervisor telling me i told the rep. I lost the card made agreements i didnt make and i would be held to what information was falsely written on my account. Account At which point i became very angry and hung up the phone. I called them to settle my debt, become healthy financially. My name is XXXX XXXX XXXX the acvount number in question is acct. # XXXX thank you for your assistance in this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
i had done a modification on the mortgage and what i just found out is unbelievable. The modification was done for XXXX years and I am only paying the interest on the loan. I have been paying paying biweekly thinking that the mortgage principle was getting paid down. This is underhanded by the financier on the loan. That they are getting away with this. I also had my loan bought and serviced 3 times. Even though I was paying my payment through ach from my bank account neither one of the banks or servicer 's will remove any of the supposed late payments. First it was Country Wide, then Bank of America, then XXXX XXXX XXXX, then and now XXXX XXXX. Whom which told me that the loan payments are for interest only. 

XXXX XXXX How can they get away with 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 explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
XX/XX/18 AARGON Agency Inc, XXXX XXXX  XXXX XXXX. XXXX XXXX NV XXXX place a collection on my credit report for {$2900.00}. Representing XXXX XXXX, XXXX Florida, for a XXXX XXXX  bill that I am not responsible for. I am uploading a document from Florida XXXX XXXX XXXX  showing that I am not responsible for the balance, and what AARGON and the XXXX XXXX are doing is illegal under Florida law.

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 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On or about XX/XX/2018 i called capital one to begin resolving an old debt of {$430.00} was referred to XXXX XXXX XXXX  and made arrangements to have {$40.00} taken from my debit card every month until debt was resolved gave the man on the phone my name ss # amount to be taken debit card number, expiration date and security code. Completing what i thought were legitimate payment arrangements since that day i have recieved daily harrassing phone calls and today XX/XX/2018 i recieved a dilinquent notice. I immediately called XXXX was told they never recieved arrangements. I asked to speak to a supervisor she informed me that i agreed to pay {$71.00} which i did not. I asked for copies of my phone calls, i would have to wait until friday i tried to explain my predicament and was met with more harrassment from the supervisor telling me i told the rep. I lost the card made agreements i didnt make and i would be held to what information was falsely written on my account. Account At which point i became very angry and hung up the phone. I called them to settle my debt, become healthy financially. My name is XXXX XXXX XXXX the acvount number in question is acct. # XXXX thank you for your assistance in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I have a vehicle lease with XXXX XXXX where I make a monthly minimum payment of {$320.00}. I have gone through a really deep financially hardship since XX/XX/XXXX and have been late on several payments. Also, I am new to credit and did not know that these late payments would be going on my credit reports.

The dates of the late payments include : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation