vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: MS

Complaint narrative:
On XX/XX/2020 my brother called and reported his card missing or stolen. He has not received the new card. He was told he would receive the card XX/XX/2020. When he checked his balance today money has been removed from his account. After we reported it missing and ordered a new card. He has now been on hold for over an hour and he can not talk to anyone. His money goes into the bank on the third of every month. Before we talk to anyone they will have taken all his money. He has a direct express card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
We had a car loan with Bank of America, the final payoff amount on XX/XX/XXXX was approximately {$64.00}, the bank continued the automatic withdraw we had been paying for the life of the loan at {$740.00}, about {$670.00} dollars more then we owed them. We called the Bank and were told they would process the credit and give us a refund, in the next two weeks or more. They are not compensating us for interest and banking fees and we are just supposed to accept as standard operating procedure. If we were late on a payment, I would receive a whole list of fees and interest. They basically stole money from our account that we did not owe and we are being told to be grateful they will give it back to us sometime in the future. On top of this they closed our account since no balance due and removed our access to the account. However we are owed money from a closed account.

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 2020-02-04 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: EQUIFAX, INC.
State: AR

Complaint narrative:
There are multiple duplicated errors listed.Department Of XXXX, showing delinquent hsitory from over 7 years ago. The way that they are reporting is damaging my oppourtunitis to continue my education. 

XXXX XXXX XXXX is showing delinquent history over 7 years reporting. This account is paid as agreed. XXXX XXXX not mine, my account paid as agreed. 

XXXX XXXX XXXX is not mine belongs to my spouse. I don't recall signing this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are multiple duplicated errors listed.Department Of XXXX, showing delinquent hsitory from over 7 years ago. The way that they are reporting is damaging my oppourtunitis to continue my education. 

XXXX XXXX XXXX is showing delinquent history over 7 years reporting. This account is paid as agreed. XXXX XXXX not mine, my account paid as agreed. 

XXXX XXXX XXXX is not mine belongs to my spouse. I don't recall signing this loan.

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 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Most of the accounts in adverse sections are past 7 years reporting and the others are basically duplication 's XXXX XXXX never delinquent, XXXX  not mine.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX duplication 's exceeding 7 years reporting.XXXX  XXXX  Paid agreed. XXXX XXXX never delinquent being paid as agreed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are paid accounts that exceed the 7 year reporting.

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 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one placed a derogatory mark on my credit and made my credit score dropped significantly. I called up to try to work with them and restore everything and they were unwilling to work with me. I feel this is unfair and should be made known to the public to be aware of this company. They do not work with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: PA

Complaint narrative:
The reason for this complaint is for inquiry into the Collection item listed on my credit report from Military Star, This account was opened back in XXXX, I've spoken to a representative from Military star about the two missing payments that I located none of which were capture on my account. The payments are- XX/XX/XXXX and XX/XX/XXXX both for {$260.00}, when I read off the address that I mailed the money orders off to ( AAfes. Attn : CP operations XXXX XXXX  XXXX XXXX TX XXXX ). 

The representative from Military Star stated, Oh you were given the wrong mailing location, I stated even if so I'm sure the items would have been forward to the correct department? Somehow these two payments we're never credited to my account the receipts for these two items where missed placed and could not be found until just recently, The first thing I did was to check to see if the items were cashed this took some time due to the time that had elapsed. 

As shown in the attached paperwork these items were cashed but not applied to my account, when my account went delinquent I'm not sure where these payments would have placed my account, now I do understand that I did owe money to Military Star and because these were cashed and not credited to my account I do not want any funds back but could my account be cleared of the collection or removed completely. Please feel free to review the information that I have submitted and the actions that I took to ensure completeness of all issues to show good faith.

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 2020-02-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Most of the accounts in adverse sections are past 7 years reporting and the others are basically duplication 's XXXX  XXXX never delinquent, XXXX  not mine.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX duplication 's exceeding 7 years reporting.XXXX  XXXX  Paid agreed. XXXX XXXX never delinquent being paid as agreed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are paid accounts that exceed the 7 year reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Most of the accounts in adverse sections are past 7 years reporting and the others are basically duplication 's XXXX  XXXX never delinquent, XXXX  not mine.XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX duplication 's exceeding 7 years reporting.XXXX  XXXX  Paid agreed. XXXX XXXX never delinquent being paid as agreed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are paid accounts that exceed the 7 year reporting.

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 2020-02-04 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: Capital Accounts, LLC
State: KY

Complaint narrative:
Spoke over the phone with a representative from Capital accounts and explained I knew nothing about the debt they are claiming. Requested they send the debt back to the original creditor. They told they were not going to to that. And threaten a payment or they was going to send to my credit report. I told them this is willful violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: AR

Complaint narrative:
XXXX XXXX XXXX US Department of Edu , XXXX XXXX XXXX are duplicated accounts. Duplication of same accounts is against the rules. The actual account belong to me has been rehabilitated and should reflect paid as agreed without delinquent history. 

XXXX XXXX this is not my accounts.

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 2020-02-04 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: NM

Complaint narrative:
Experian dropped my FICO score by 23 points twice within the last three months. In that time my financial information and status did not change. Not one of the variables changed for which a FICO score would be proportionately impacted. Credit card utilization, credit hard inquiries, payment history, variation of debts used have all been relatively the same, yet my credit score dropped 23 points on XX/XX/XXXX, and after going up 23 points on XX/XX/XXXX dropped again on XX/XX/XXXX for no apparent reason. If Credit card utilization, credit hard inquiries, payment history, variation of debts used have all been relatively the same there should not be any change in my FICO score. Given that my FICO score has had an upward trend in the last year, it seems that the apparent method being used to calculate my credit score is inconsistent. If any change, my financial status and the upward trend of my credit score should be reflecting an increase in the FICO score, not drastically dropping my score. The scoring model is inconsistent and does not keep to a standard.

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 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I received a direct deposit to my checking account on XXXX for {$60000.00}. There was a 4 % charge upfront ( {$2400.00} ) and a 0 % promotional for 12 months. I was charged additional interest on XX/XX/XXXX and XX/XX/XXXX. When I called customer service, I was notified that I was subject to 16.49 % interest along with the 4 % upfront. 
I have transacted this direct deposit with Bank of America 10+ times since XXXX. I am certain that the promotional was offered on the website. I certainly would not sign up for 20.49 % all in interest. When I asked for some evidence, the customer service person said that everything happened on the website and that there was no evidence of the rate that was communicated to me. 

I paid off the credit card and closed the account 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 monetary relief
Consumer complaint received 2020-02-04 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: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX US Department of Edu , XXXX XXXX XXXX are duplicated accounts. Duplication of same accounts is against the rules. The actual account belong to me has been rehabilitated and should reflect paid as agreed without delinquent history. 

XXXX XXXX this is not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX US Department of Edu , & XXXX XXXX are duplicated accounts. Duplication of same accounts is against the rules. The actual account belong to me has been rehabilitated and should reflect paid as agreed without delinquent history. 

XXXX XXXX this is not my accounts.

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 2020-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Hello, my loan was being serviced by XXXX but was transferred to NewRez ( Shellpoint ) as of XX/XX/2020. I made a full XX/XX/XXXX payment. I wanted to make a partial payment ; however, their site did not allow for the partial payment. I called and spoke with a young lady who told me to mail a check to a P.O. box and include the verbiage " partial payment '' on my check. I followed her instructions mailed the check on XX/XX/20. The check was applied as a principal only payment. I called again and spoke with a gentleman and he said he would reverse the payment, I called a 3rd time and the payment has not been corrected. I can see the transaction history showing where the payment has been applied and reversed ; however, it continues to be applied as a principal only payment. I am very concerned about this servicer 's practices, the misinformation given to consumers and I'm extremely concerned that my payment will not be applied correctly which could affect my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: TN

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX sent me a letter to confirm that they had closed the following accounts : # XXXX ( 3 ) accounts. 
Equifax continues to list these inaccurate and unverified accounts on my report.I have read the FCRA.This collection account should be deleted from my file immediately as it is severely harming my ability to obtain credit. 
XX/XX/XXXX They completed an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My student loan was with Salle Mae, about 27years ago. I consolidated in XX/XX/XXXX and made payments accordingly. in XX/XX/XXXX I  refinanced and made a lump sum payment to Salle Mae for XXXX dollar and another {$2300.00}. to pay off the balance of my student loan. I have had no communication with Salle Mae since then, until 2 years ago i started getting call from Navient saying I was in default and how much money can i pay to bring my account current. of course i did not believe this was legitimate, since i paid off my student loan and did not know of Navient, i thought they were scam calls. The calls still kept coming, when finally i ask for proof. The proof sent to me was a copy XX/XX/XXXX promissory note, which does not prove that i had a balance. I call Navient to explain how i happen to owe a balance after my lump sum payment -they said they would look into my account - i ask for a copy of they account history. I finally got a copy a couple months ago. It show may lump sum payment, but no balance after the payment was posted, but a lot of other charges over the years to the tune of {$26000.00}. I ask how is it that after 10 years they are now contacting about this issue. I have no explanation. I have now contact Navient, XXXX, XXXX, XXXX XXXX. They threaten garnishing my salary, my Social Security, my taxes. but no explanation of the balance which they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have been attempting to work with USAA regarding my autoload which is XXXX past due. I want to pay this and cure. I have called only to be handed around to 7 different departments and none of them could help me in any meaningful way. 

I was involved in a a series of medical procedures that I just recently because conscious from and that I needed a little more time to pay the past due balance. Instead of working with me and giving me more time USAA simply hands me around to the next Represenative and each Represenative can't give me the 10 additional days I am requesting to cure this. I couldn't ' pay due to a major life changing medical event and USAA doesn't want to modify, defer, assist, extend, ... nothing. They simply threaten repossession of the vehicle that I rely on to get to my many medical appointments. 

I am requesting that USAA give me 10 more days to pay and cure this debt. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: IL

Complaint narrative:
XXXX XXXX account on my EQUIFAX report does not belong to me. I have contacted them. XXXX XXXX had an address that was not mine ( XXXX, Il XXXX - I never lived there ). XXXX XXXX had a phone number that is not mine. I have sent numerous letters with this info. It is still on my report. It is not on any other report. 

XXXX XXXX. Ac # XXXX. Date opened XX/XX/XXXX {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bureau of Accounts Control
State: NJ

Complaint narrative:
I had an been in collections by Burea of Accounts CONTR XXXX Address XXXX XXXX XXXX XXXX XXXX NJ XXXX. Phone XXXX XXXX XXXX. I am filing this complaint with this collections agency for destroying my credit to low 500s. I  am unable to even rent an apartment, or lease a car, or obtain a credit card due to their refusal to submit a claim to my medical insurance company or through my XXXX car insurance company. In NJ a person has the right to submit a claim to either medical or car insurance at their discretion. I confirmed with this company that a year and a half ago they had been informed of my medical insurance that covers ambulance bills. My emergency room visit had gone through my medical insurance but the company refused to submit the claim. I had confirmed with XXXX and there are notations made where I had attempted to even submit the claim myself but was advised the company must submit it. XXXX ID XXXX group XXXX. I am now being billed {$1600.00} with a ruined credit score and according to my plan I was only to be held responsible for 25 % of my ambulance bill because of my great medical coverage. Also, I do not appreciate the discrimination in having my ambulance bill refused to be put through as a claim to my medical and/or through a XXXX car accident claim under XXXX. The other people involved had been given free ambulance ride covered through my XXXX car insurance policy. This company had TWO options of submitting in a claim before they completed ruined my credit score. This company had not only refused to allow me to make monthly payments if it was past claim submission but they had lied to me a year and a half stating they will put the claim through my medical which had been provided over the phone. I had mental health issues for the past 3 years and was put on family medical leave and I do not appreciate them taking advantage of a person with mental health XXXX issues since the date of XX/XX/2017 where I had taken an ambulance to the emergency room. The emergency bill had been covered through my insurance and the ambulance refused to submit the claim to my insurance. I find this discrimination horrific and it has caused me even more emotional distress that could have been solved if they had not discriminated against me. Not to mention, I am unable to even rent an apartment that had led me to end up renting rooms where I was in horrific situations that caused me even more emotional distress. I had attempted to solve this issue on numerous calls about 2 years ago and they refused to cooperate with me. As a resolution I would like to be held accountable for the 25 % of the {$1600.00} that they are billing me for since they had refused to put in the claim within coverage dates to be covered through two insurance companies.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: HI

Complaint narrative:
I have received several bills from Convergent saying I owe {$1700.00} to XXXX XXXX XXXX. The most recently dated XX/XX/20. 
This is a fraudulent claim. Years ago the same fraudulent claim was made, I researched it, disputed it and it was found to be fraudulent and therefore was dismissed. 
It has now resurfaced again. 
This company is committing fraud for demanding I pay money for a debt I did not incur.

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