vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-27 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: IN

Complaint narrative:
Bank of American is purposely misleading on their auto-pay setup process so Consumers like myself can not understand what proper selections to make to pay off your " Statement Balance '' each month to purposely mislead you and charge you interest. 

When setting up auto-pay on the Bank of America credit card, the only " Amount '' options are : - Amount Due - Minimum Amount Due - Account Balance - Fixed Amount None of these options *clearly* state or clarifies to me ( the Consumer ) that I am selecting the option to pay off my " Statement Balance '' on a monthly basis and it is purposely setup in this manner so I ( the Consumer ) makes a mistake and has to pay them ( Bank of America ) interest. 

Due to this confusing language, I had to call Bank of America to figure out how to setup auto-pay. The agent also was confused by the setup and had me set it up incorrectly and I was charged interest on my next bill. If Bank of America customer service themselves are unable to distinguish between the options then how am I ( the Consumer ) supposed to figure it out?! 

All the other major credit cards that I have XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX clearly state in their auto-pay setup the option to pay " statement balance '' without any issues.

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 2019-11-27 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: IL

Complaint narrative:
Capitol One Credit card company took over my walmart credit card that was through XXXX XXXX. I reviewed my first statement from Capitol one and I found there is a discrepancy on my balances on the statement. I used the card with a promotion of no interest for 6-12 or 18 months. So under my promotional balance it shows I owe {$780.00} but in the new balance field it shows {$910.00}. I called Capitol One and was on the phone for over an hour trying to get a reason for the discrepancy. I was on hold for long periods of time and then after all that time I was told I had to call XXXX XXXX because Capitol One could not see my previous statements so they would have to fix it. I called XXXX XXXX and was on with them for over a half hour and was told they no longer have access to my account I have to call Capitol One. I then called Capitol One and was on for 1 1/2 hours and was finally transferred to a Manager. The manager was very rude and disconnected me or hung up on me. I am not able to get anywhere with them on resolving this issue. I have never had an interest charge to my account and always paid on time. I have not made any charges on this account since XX/XX/2019. I want to know where they are getting the {$120.00} extra that I owe. I have no problem paying it if I can get proof I owe it. I want to file a complaint for Capitol One trying to get more money from me than I owe and no willing to find out why there is a discrepancy of {$120.00} when my statement shows perfectly well the balances do not match. I asked both representatives from Capitol One to file a dispute for me and have my account audited and they both refused to do so. I will not pay the difference of {$120.00} when I don't have an explanation on why it happened and proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: OH

Complaint narrative:
I have a lot of info on my credit report that is not correct and I had identity theft with a checking account and the address below do not belong to me. Please remove incorrect info Never Lived at the below address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My address is XXXX XXXX XXXX, XXXX Ohio XXXX and i have lived there for over 10 years Please remove all other addresses address Below inquires I never applied for anything during this time, please remove these from my credit report. This is very scary, Im young and don't even want credit at this time. 

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: OH

Complaint narrative:
I have a lot of info on my credit report that is not correct and I had identity theft with a checking account and the address below do not belong to me. Please remove incorrect info Never Lived at the below address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My address is XXXX XXXX XXXX, XXXX Ohio XXXX and i have lived there for over 10 years Please remove all other addresses address Below inquires I never applied for anything during this time, please remove these from my credit report. This is very scary, Im young and don't even want credit at this time. 

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax and XXXX are reporting incorrectly where I am shown as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: OH

Complaint narrative:
The below address do not belong to me, please remove the below addresses. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX the below accounts do not belong to me, I have tried to contact them and i get no where, these accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Credit Limit {$17000.00} balance {$1500.00} Account # XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX UNPAID BALANCE CHARGED OFF CLOSED DATE : XX/XX/XXXX XXXX XXXXXXXX Opened XX/XX/XXXX credit limit {$750.00} balance {$750.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Credit {$300.00} balance {$300.00} XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Someone by the name of XXXX from Midland Credit Management keeps calling me numerous times a day despite the fact that I told him that I wanted him to stop contacting me and that I have representation regarding any credit issues and gave him the name of the legal representative. He uses numerous different numbers to call me from, but his call back number is XXXX with extension XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX and Transunion are reporting incorrectly where I am shown as an authorized user on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

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 2019-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Someone by the name of XXXX from XXXX XXXX XXXX keeps calling me numerous times a day despite the fact that I told him that I wanted him to stop contacting me and that I have representation regarding any credit issues and gave him the name of the legal representative. He uses numerous different numbers to call me from, but his call back number is XXXX with extension XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient Department of Education ... Student loans are reporting past due and will not fix the reporting of past-due student loans. loans we consolidated during the time and have all been paid off! Paid off XX/XX/2019 {$63000.00} Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My account was compromised via XXXX, and I was hit with a fraudulent transaction. via XXXX using my debit card which has since been replace, XXXX changed my transaction to a check/ach charge using my bank routing number " due to the large amount '' without informing me and leaving me unprotected as per the phone rep I spoke with at XXXX. the person below is a scammer and has not delivered the goods promised to me, I am asking for a chargeback from bank of america on this fraud and I insist XXXX be held accountable for their fraudulent behavior and for compromising my account by switching the transaction to ach without my permission or notifying me. Both Bank of America and XXXX has refused to help with my case

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 2019-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
I was incorrect on the dates in complaint XXXX. I have corrected the dates below : On XX/XX/2019, I paid {$500.00} via my debit card to have a master extentionist, XXXX XXXX, ( turns out she lied and is not a master ) to purchase hair to install on my head. On XX/XX/XXXX, she told me she needed to buy more hair. I paid {$700.00} cash, ( new hair XXXX and XXXX for install ) .The woman purchased the wrong color and proceeded to die the hair an even worse color. On XX/XX/2019, I paid {$250.00} to remove the old hair from my head. After removal, she install the new hair. The woman did a horrible install. On XX/XX/2019, a {$700.00} charge was made by XXXX XXXX through XXXX XXXX XXXX. I was not present when the charge was made, I did not sign the receipt as she forged my signature, I did not receive services for the {$700.00} nor did I authorize the charge nor did I sign the receipt. I was not present at the time of the charge, I was at the gym with a biometric signature at the gym. Upon research, I learned the woman had little experience in install of extensions as she only finished school recently and her company is not state licensed. She claimed to have XXXX clients which is untrue. I filed a civil suit for damages done to my hair and I filed a police report XXXX for the unauthorized {$700.00} charged to my card. The receipt is forged. I contacted my bank, First National Bank of Omaha. I was issued a provisional credit for {$700.00}. On XX/XX/2019, First National Bank of Omaha reversed the {$700.00} credit leaving me in Minnesota with no gas money, no money for my hotel and there are freezing temperatures. I am stranded and can not go home with no gas. If I leave, I lose my job. I do not know anyone here. First National Bank of Omaha is claiming the forged signature on the receipt the merchant presented is my signature. I was at the gym signed in using biometrics to enter the gym at the time the charge was made for {$700.00} to my card. I did not sign the receipt. She had my signature on an authorization form which she used to copy my signature. She has done this to 4 other patrons. The police are going to issue a warrant for her arrest for forgery, fraud and theft over $ {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was out of work in XXXX of XXXX for one month. I missed a credit card payment, and they reported me to al three credit bureaus. I did send them a letter asking for a " goodwill '' adjustment. I have not heard from them. This letter was submitted on XX/XX/XXXX. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Our escrow account has been mismanaged : Escrow has been impounded since origination at our convenience. In 2019, we noted that escrow was being impounded at rates significantly in excess of the stated property bills due to supplemental property tax bills that Shellpoint does not handle. We contacted Shellpoint and asked for a refund of the excess in the escrow account so that we could make payment on the account.

Shellpoint was unable to indicate if/when this was possible. We received multiple conflicting statements of balances that would be refunded, none of which reconciled to any amounts.

Additionally, Shellpoint made payment on our earthquake insurance policy, which is not a bill that historically been escrowed/paid for by Shellpoint, as this amount has always been paid out of pocket. This was subsequently refunded by our insurance provider, but put the amount being placed into escrow out of balance. Conversation with customer service indicates that they dont know what bills are supposed to be paid. 
We have been unable to track what payments have been made on our behalf. We have spent significant time and effort on the phone, on hold, and with customer service agents who dont know whats happening. 
We received multiple sets of conflicting instructions on how to get the escrow requirement removed. Multiple requests were denied for not following proper instructions, despite following instructions exactly as provided each time. Final request to eliminate the escrow requirement were denied. 
In response, we are refinancing our loan. Payoff letter generated included the property tax payment due XX/XX/XXXX19 as part of the payoff balance in addition to principal, interest, and fees, despite having over {$20000.00} in the escrow account, and that they would not use the escrow funds to pay. Customer service for Shellpoint ( via conference call with both homeowners ) that if we paid the upcoming tax bill in full and sent them a receipt, they would remove the upcoming tax payment from the payoff amount. Email receipt was emailed to Shellpoint on XX/XX/XXXX19. On XX/XX/XXXX19,  Shellpoint sent a payment for the tax bill using funds in the escrow account ; however, that amount has already been paid. Customer service indicated that the tax assessor would refund the amount directly to the homeowner. Call to the tax assessor indicates that they have not received the check and that payment will be refunded to the originator ( Shellpoint. ) Call to Shellpoint is unwilling to put a stop payment on the check. 


At all steps along the way, customer service has been rude and unknowledgeable. Representatives have denied that conversations happened, despite the prior calls not being with that specific customer service representative. Requests to escalate to a supervisor or managers are uniformly denied. Representatives have said that they do not accept or acknowledge complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
XXXX Account number or transaction number From PayPal For the dollar amount unauthorized by me under a XXXX *** **** number no longer in use by me or anyone authorized. 

Amount {$130.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did a voluntary repossession of the vehicle I purchased on XX/XX/XXXX due to going into labor more than 3 months early for my daughter. I understood it would be a balance remaining on the loan with XXXX XXXX  XXXX also DBA XXXX XXXX I do not dispute that, however I filed bankruptcy and this debt was included in my bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX and the company is still reporting a balance and missed payments on my XXXX  and Equifax credit reports.

Company response to consumer: Closed with explanation